^- L /-?^ MINUTES OF MEETING WITH REPRESENTATIVES OF STATE MENTAL HOSPITALS ON WHAT DO WE fcnow ABOUT ALGOlioLlSk

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "^- L /-?^ 805589. MINUTES OF MEETING WITH REPRESENTATIVES OF STATE MENTAL HOSPITALS ON WHAT DO WE fcnow ABOUT ALGOlioLlSk"

Transcription

1 ^- L /-?^ MINUTES OF MEETING WITH REPRESENTATIVES OF STATE MENTAL HOSPITALS ON WHAT DO WE fcnow ABOUT ALGOloLlSk IN THE STATE MENTAL HOSPITALS OF MARYLAND March 13, 196l PERSONS PRESENT Eastern Shore State Hosptal - C. Van Eyk Grobler (Psychologst), Sprngfeld - Dr. Julan Abrams (Psychologst), Sprng Grove - Dr. Fernando Cabrera (Psychatrst), Dr. John W. Shaffer (Psychologst), and Dr. A. Smopoulos (Psychatrst), Crownsvlle - Dr. John A. McGee (Psychatrst), Dr. Carl B. Schlefer (Psychatrst) and Gwendolyn 0. Krkland (Psychologst). Other persons present were Dr. Isadore Tuerk (Commssoner, Department of Mental Hygene), Dr. Lous P. Gundry (Charman, Commsson on Alcoholsm), Dr. Leo Bartemeer (Member of Commsson on Alcoholsm) and Mss Lllan M. Snyder (Research Assocate). SUMMARY OF FINDINGS Mss Snyder presented a bref statement of the reason the Governor apponted the Maryland Commsson on Alcoholsm and how the Commsson has proceeded to fulfll ts charge. Although the major concern of the Commsson s the ndvdual whose alcohol pathology s hdden or the uncommttable alcoholc (about 75% of persons for whom alcohol has become a problem), before ths group can be studed and asssted attenton must be gven to the problem of the polce court nebrate (about 3 to 1% of the alcoholc populaton) and the psychatrc patent wth alcohol pathology (about 20% of the alcoholc populaton). Servces and treatment of the two latter groups should be approached smultaneously n vew of the fact that the polce

2

3 - 2 - brng about 80% of the alcoholcs who are admtted to the State Mental Hosptals (also called polce patents). Whch Alcoholcs Come to the State Mental Hosptals? The General Assembly of Maryland has desgnated the Department of Mental Hygene to have "full and complete power and supervson of all matters relatng to custody, care and treatment of the nsane." In lne wth ths charge every alcoholc admtted to the State Mental Hosptals must be certfed by one or two physcans that he s nsane and n need of hosptal care. No alcoholc wth a physcan's statement has been turned away. Some patents at ther own request wthout a physcan's statement have been admtted. Alcoholc patents admtted to State Mental Hosptals are gven the followng dagnoses: Acute Bran Syndrome Assocated wth Alcohol Intoxcaton (02.1) Ths typcally refers to those persons sufferng from delrum tremens and acute alcoholc hallucnatons. Chronc Bran Syndrome Assocated wth Alcohol Intoxcaton (13.0) Ths refers to types of chronc delrum formerly called Korsakoff's psychoss and mples some degree of permanent bran damage resultng from use of alcohol. Socopathc Personalty Dsturbance wth Alcoholsm (addcton) (52.3). Under ths dagnoss are placed cases of well-establshed addcton to alcohol wthout recognzable underlyng dsorders. Patents sufferng from psychoses n whch excessve drnkng may be contrbutory are not classfed as alcoholcs n the State Mental Hosptals.

4

5 A 3 '- How do Indvduals wth Alcohol Pathology Com to the State Mental Hosptals? IQ^q Type of Admsson Alcoholc Patents Voluntary 171 Two Physcans 656 Court 197 Percent All Patents Percent 17% kzk 10% 6k% % 19% % TOTAL: 102^ 100% ^2^1 100% Durng the calendar year 960, 125 nebrate court orders were ssued from the Baltmore Cty and Baltmore County Courts. Of ths number, 122 alcoholcs were asssted by the Legal Ad Bureau, Inc. These patents were sent to the followng hosptals: Crownsvlle - 'f (2 women) Sprngfeld - 7k (6 women) Sprng Grove - hh (5 women) What was the Admsson Procedure? The alcoholc, hs famly or others (ncludng polce offcers) very seldom used the State Hosptal Pre-admsson Servce. Voluntary admsson was usually used the frst tme at the suggeston of staff members at Johns Hopkns or Unversty or medcal departments the of ndustry. Few persons seemed to be aware of the exstence of/voluntary admsson. After the alcoholc has used ths type of admsson once, he usually prefers to use t agan n subsequent admssons f ths becomes necessary. Some State Hosptals permt only two voluntary admssons a year. Ths s to dscourage the alcoholc from usng the State Cental Hosptal as a free dryng-out faclty. When the patent presents hmself n the Admttng Offce, the socal worker sees hm and hs famly frst to see that hs papers are n order and to be sure he s where he thnks he s. The socal worker

6

7 - k 1 prepares hm for the next twentyj-fou- houts. The admttng physcan then examnes the patent. Alcoholc patents comng to the Admttng Offce wth the famly request or communt.y request are usually accompaned by a relatve or a polce offcer. The group s frst seen by the socal worker who looks over the papers and attempts to prepare the patent and famly members for the hosptal experence. The polce offcer who accompanes the patent s seldom the one who has made the arrest or who has talked wth the famly. The Inebrate Court Order s prepared by a staff member (usually a law student) of the Legal Ad Bureau.between 9 and 10 A.M. The patent wats at the Legal Ad Offce whle a clerk takes the papers to Judge Allen's offce (Crcut Court No. 2) before 10 A.M. Judge Allen sgns the petton sometme between 10 and 12 before hs Court convenes. It s not necessary for the patent to appear at Court. As soon as the patent s gven the Court Order, he may take the streetcar to Sprng Grove or may go n a taxcab. Occasonally, he goes n a polce car. Sometmes he holds the Order untl hs money runs out or untl a week or so before t expres. The Court Orders are usually wrtten for 60 days. Through What Process s the Patent Gven the Label of an Alcoholc? As soon as possble after the patent s admtted, the examnng physcan, usually a thrd-year resdent or less, sees the patent. Hs dagnostc mpresson s based on the patent's hstory, nformaton from the referral source (often a prvate physcan or a physcan from a general hosptal), the physcan's certfcates, the observed behavor of the patent durng the examnaton and the relatves' story. The

8

9 - 5 - examnng physcan may not make a fnal dagnoss untl after the acute stage has passed. Labelng s not done by a medcal specalst for the treatment of alcoholcs nor s there an admsson staff conference n whch a jont, mult-professonal study and dagnoss s made. What Therapes and Treatments are Provded? Attenton s frst gven to savng the alcoholc's lfe. There were thrty-seven deaths of alcoholcs n State Mental Hosptals durng the year endng June 30, 960 (k% of all deaths). Fve alcoholcs ded n polce lockups before they ever reached the hosptal. The next step n treatment s to provde relef of pan and dscomfort durng the acute stage. Attenton s also gven to other lls assocated wth drnkng. Ths may nclude malnutrton and lver dsfuncton among other lls. Followng recovery from the acute stage, patents who reman n the hosptal are provded a varety of therapes by many professons de- pendng upon the needs of the ndvdual. At Sprng Grove State Hosptal n the Alcoholc Rehabltaton Unt, these therapes are specfcally drected toward the alcoholc ndvdual. What Are the Goals n Treatment? Staff members state that ther goals n assstng the alcoholc patent are as follows: (1) to acheve sobrety (for lfe) (2) to assst n vocatonal rehabltaton (3) to get along wth others ncludng famly members and the boss (k) to develop self-apprecaton, self-confdence and usefulness Some staff members concentrate on one of the goals and others beleve they are all mportant.

10

11 - 6 - How Effectve s the Treatment? Staff members can see mprovement n ther alcoholc patents from the tme of admsson to the tme of dscharge. Comments about the nature of the mprovement s summarzed n the Medcal Record. Staff members, however, do not know what happens to ther alcoholc patents after dscharge. Nothng s known about whether the mprovement has been mantaned at the end of one month, sx months, one year or three years. There s no follow-up bult nto the servce program ether by letter, by appontment or by home vst. There are no agreed upon crtera for evaluatng results. What Researches are beng Done to Fnd Out More About Alcoholsm? Two researches have been publshed. These studes have been made on the effcacy of drug therapy durng the acute stage at Sprngfeld State Hosptal and Sprng Grove. The results of several other studes at Sprng Grove are about to be publshed. Multvaret factors are currently beng studed among alcoholc patents at Sprng Grove. About 150 patents have completed these studes. The most urgent need s to know more about the phenomenon of alcoholsm. Is t a dsease? Psychatry says "no", that t s a symptom and yet psychatry dentfes three dsease labels. Is t a syndrome wth medcal, socal and moral components? Members of Alcoholcs Anonymous say that t s. Is t a symptom that can be used at wll by ndgent ndvduals who need a "tcket of admsson" to an nsttuton such as a jal, mental hosptal or correctve nsttuton. There s a need to classfy the dverse types of alcoholcs and to

12

13 - 7 - compare the types of alcoholcs wth the types of therapes rendered and results obtaned. There s an excellent opportunty at the present tme to make classfcaton studes before more selecton s made of patents admtted to the Sprng Grove Rehabltaton Unt. There s already some natural selecton such as the economc factor. There s a need to study responsveness. Under what condtons can we expect responsveness? We must dentfy the response types. The general practcng physcan s at a loss to know how to treat hs alco- holce patents untl he knows what therapes have been proven successful. What s the purpose of buldng large rehabltaton facltes for varous alcoholcs f we do not know who the alcoholc s and what hs needs are and how responsve he wll be to the rehabltaton provded? How Many Alcoholcs were Processed n the State Mental Hosptals? The number of alcoholc patents admtted to the four State Mental Hosptals durng the calendar year 1959 was as follows: Crowns- Eastern Sprng Sprng- Admsson vlle Shore Grove Feld Total Percent Frst 212 k ^ 558 5^% Re-adms. 10k ^66 W Total ^ 100% There was a slght ncrea-je n the alcoholc admssons durng the year endng June 30, I960. Alcoholc Admssons: Frst Admsson Re-admssons % (2k% of all hosptal admssons) 552 k8% (26% of all hosptal re-admssons) Total: % (25% of all patents)

14

15 * 8 - If we compare the alcoholc patents wth patents admtted for treatment of schzophrenc reactons, we observe the followng hfor^- maton: Schzophrenc Admssons; Frst Admsson 539 (21% of all frst admssons) Re-admssons 856 (kl% of all re-admssons) Total: 1395 (30% of all admssons) On any one day n the State Hosptals there are ^l^ alcoholc patents (a 15% ncrease n fve years) and 4,309 schzophrenc patents (a 2% decrease durng the last fve years). Durng the year endng June 3Q, I960, a total of 1,121 alcoholc patents were dscharged. Of ths number 621 were dscharged on completon of ther frst admsson. Study of the 621 alcoholc patents who were dscharged at the end of ther frst hosptal experence revealed the fact that these patents averaged 65 days hosptalzaton (50 days n Eastern Shore to 79 days n Sprng Grove). At an overall per dem cost of $k.69 per day, the average cost of care per patent amounted to $30^.85. About k2% of these patents were dscharged at the end of a month's hosptalzaton (as compared wth 33% for all alcoholc patents dscharged (ncludng re-admssons) and 11.6% for all hosptal patents dscharged (ncludng re-admssons). Questons for Dscusson What s the meanng of the nformaton collected? What are the gaps n the data? Why dd Crownsvlle have the lowest percent of returnees?

16

17 - 9 - Why dd Sprngfeld have the hghest percent of returnees? Does Crownsvlle provde the most effectve treatment, or s the treatment program so bad that patents refuse to return? Are patents gong to Crownsvlle n a later stage of ther llness so that they de before returnng? Is the dagnoss changed on the return trp? Is there a post dscharge treatment program whch holds the treatment gans made n the hosptal? Is there greater selecton for admsson n the pre-admsson servce? Do the returnees reman longer n the hosptal? Do we really know why patents come back? Before the Chapter on the State Mental Hosptals n the Commsson's fnal report s completed, what more do staff members wsh to know? SUMMARY OF DISCUSSION The queston was asked, "What proporton of alcoholcs admtted to State Mental Hosptals are admtted n the acute stage?" Dr. Cabrera repled that from 60 to 70 out of the last koo patents admtted to Sprng Grove were admtted n the acute stage. Many ntoxcated alcoholcs sober up n jal before enterng the State Mental Hosptal. Dr. Bartemeer wondered what proporton of patents enter the State Hosptal by way of the polce lockup. Although t s estmated that approxmately S0% of alcoholc patents are "polce patents" the exact number s unknown. Dr. Bartemeer hopes that the tme s near at hand when all alcoholcs and mental patents wll be taken drectly to a medcal faclty and by-pass the polce staton. Dr. Tuerk ponted out that he hao recommended that a recevng hosptal be establshed. Ths plan has worked well n other ctes and should meet the need n Baltmore. Dr. Cabrera stated that there were 6,000 arrests last year n Baltmore

18

19 due to drnkng. Most persons who de n jal have an elevaton of alcohol n the blood stream at autopsy. Dr. Smopoulos expressed the fear that f facltes for treatment are mproved that there wll be more patents. Hosptals could not handle the 6,000 ndvduals arrested for drnkng. It was ponted out that there would need to be a screenng devce so that the mentally ll patent would be classfed and routed to the approprate faclty for care. Dr. McGee crtczed the current method of classfyng the alcoholc n the State Mental Hosptals. He felt that many ndvduals were called alcoholcs who really are not true alcoholcs. He wondered f the man factor n the treatment of the alcoholc s not the psychogenc factor. He commented further that the AMA publshed a seres of artcles n 1956 advsng the general practcng physcan that alcoholsm s a dsease. Ths was an attempt to nterest the prvate physcan n the alcoholc. Dr. McGee feels that professonal ndvduals treatng the alcoholc should certanly be sympathetc and understandng toward the ndvdual wth a drnkng problem rather than consder hm as a degenerate or a crmnal. At the same tme, we should not oversmplfy the problem and class all alcoholcs n one overall category. Mr. Grobler rased the pont that f the alcoholc s treated n a mental hosptal he should be treated lke any other patent and should not be segregated. He mpled that segregaton lowers the status of the alcoholc and lessens the opportunty for all staff members to treat hm and for other patents to assocate wth hm. Dr. Abrams commented that the re-admsson of alcoholc patents s

20

21 ". automatc. He mpled that alcoholcs are expected to return and that they are never turned away. Dr. Shaffer asked "Where do we go from here?" Do we buld bgger and better mental hosptals or do we apply the knowledge we know and at the same tme attempt to gan a greater knowledge about ths problem? He felt there s greater need for classfcaton of the ndvduals who become excessve drnkers; and ve must fnd a more humane way to treat them. Through the research already begun at Sprng Grove the staff beleves that t s possble to analyze all of the dfferent factors that go nto the makeup of an alcoholc. We need to determne whch type responds better to whch types of treatment. The alcoholc s defned as one who gets nto repeated trouble because of the lls assocated wth drnkng. Many of the alcoholcs are pure and smple character dsorders. Dr. Tuerk wondered f physcans n prvate practce would see hs group of patents as character dsorders. He descrbed the studes currently beng done on personalty types at the V/nter General Hosptal n Kansas. Dr. Shaffer commented about ther study of condtoned reflex whch may ndcate whch patents can use antabuse. Dr. Bartemeer wondered how many patents currently beng admtted as alcoholcs are also addcted to other drugs. Dr. Cabrera estmated that about 3% of these patents use barbturates or other drugs. It was agreed that the multple addcton makes treatment much more dffcult. Does the hope for the future le n the use of transqulzers as a substtute for all other drugs ncludng alcohol? Dr. Bartemeer commented that n hs experence many alcoholcs have told hm that whle they were n the hosptal they had no desre to drnk.

22

23 Mss Snyder commented that Professor Trce has often rased ths pont that one of the dffcultes n dealng wth ths problem s that t s quescent about 90% of the tme. It s only durng the acute stages that the ndvdual gets nto trouble. The quescent stage may occur at any tme, and the factors accountng for ths are unknown. Dr. Cabrera stated that n hs opnon hs staff s workng to capacty; In comparng hs program wth the other State Mental Hosptals, the therapes used n other hosptals are not orented toward the alcoholc. He felt that hosptals should use more communty help and cooperaton such as Alcoholcs Anonymous and the psychatrc clncs. He elaborated on the dffcultes he has n carryng out a follow-up program. He would lke to see a follow-up program developed smlar to the one n Mnnesota. He also felt that the type of commtment should be changed. The alcoholc should be admtted as an alcoholc and the admsson should be a voluntary agreement for a defnte perod of tme smlar to type of commtment now n use n Florda and Mnnesota. Dr. Tuerk stated that the dfference n the varous programs n the State Mental Hosptals depends on the nterest of at least one person n every hosptal who s dedcated to the treatment of the alcoholc. He beleves that the establshment of the Central Regstry wll ad n the follow-up program. The jont program wth the Health Department wll ad n the exchange of nformaton. There has been a lag n Baltmore Cty. However, at the present tme, Doctors Schnedmuhl wth the Cty Health Department, Fedler at the Unversty Hosptal and Neustadt at Cty Hosptals are all n the process of workng out programs to assst the alcoholc.

24

25 Dr. McGee stated that t s certanly necessary for a person who s dedcated to assst the alcoholc to spearhead the program at each State Mental Hosptal. Ths person, however, should have the admnstratve responsblty for the program. There are three groups whch should be asssted: the psychotc alcoholc, the alcoholc undergong a psychotc epsode durng the acute stage and the schzophrenc patent wth alcohol complcatons. The acutely medcally ll alcoholc should be treated n a general hosptal. Dr. Schlefer emphaszed the fact that there s a great deal of confuson n gatherng nformaton about alcoholc patents n makng a clear-cut dagnoss. Usually there s very lttle nformaton about the alcoholc when he s brought nto the admttng offce. If he s drunk, he s very lkely to get the label of acute bran syndrome; and f he s sober but has been drunk he may get the label of chronc bran snydrome. If he has ncpent DT's, he may be called acute. There s no logc or reason for the current labelng process. The fgures factually don't mean anythng because one patent n one hosptal may have one label whereas n another t would be somethng else. Even dfferent physcans may have a dfferent opnon or on dfferent days the patent may present dfferent symptoms. Before there s any meanng to a dagnostc label, the process s gong to have to be standardzed. Ths wll take a great deal more knowledge than we have at our dsposal. Dr. Shaffer ponted out that ths s exactly what hs group s tryng to do at Sprng Grove. At the present tme they are usng about a hundred pre-admsson varables and a hundred and ffty post-admsson varables n a study of each person who agrees to partcpate. The studes nclude psychatrc nter-

26

27 vews, personalty tests, ntellgence tests, medcal studes and others. Although some of the studes may be redundant, t s hoped that n phase 2 of the research that a short cut can be found, so that there can be a Standardzed psychatrc work-up. Mss Krkland emphaszed the fact that as a frst step n any program to assst the alcoholc the professonal staff n the mental hosptals must be educated. There s very lttle nterest or understandng of the alcoholc patent. Nothng much s gong to be accomplshed untl the atttude of professonal staff members toward the alcoholc s changed; Dr. Smopoulos put n a word of cauton about devotng so much tme and energy to treatng the alcoholc patent to the neglect of other patents n the mental hosptals. The admnstrator of a mental hosptal has a bg job to do and the needs of many patents to consder. He usually tres to make nvestments of money and personnel n those projects whch wll brng the hghest return. The alcoholc s often not as well motvated n dealng wth hs llness as other patents are. We do not know f any of our efforts are actually makng more alcoholcs sober. We should be makng comparsons of treatment efforts toward a specfc segregated group of alcoholcs wth results n other treatment approaches now beng used n other hosptals n order to justfy a specalzed type of servce. Dr. Cabrera ended the dscusson by statng that the problem of the alcoholc s a very serous one n the communty. Every alcoholc who s rehabltated becomes an ndvdual who wll be a taxpayer. Tax money expended n the rehabltaton of the alcoholc wll be returned to the communty n tax ncome. Lllan M. Snyder Research Assocate Maryland Commsson on Alcoholsm

28

29 TABLE I AGE ON FIRST ADMISSION OF ALCOHOLIC PATIENTS BY RACE AND SEX DISCHARGED FROM EACH STATE MENTAL HOSPITAL DURING YEAR ENDING JUNE 30, I960! Crowns-] Eastern, Sprng j Sprng-- j Grand vlle 1 t Shore Grove fe:ld j Total Total!Total Age j Negro Whte! Whte. Whte T Whte Ne'groj Group [ M F ' M F.j M F M F! M F M Ft M T Under 20 1: j ko-kk j ! Unknown Total Total , ?7, j ',38 f , j 55! ! 9' 2! 11 -f 6 20 I 8: 34! ?4! 9 j : I 59 $ 8 3 : loj 81 \2k\ ! 10! 85 jlsl 103., 9 j 14 j 2 86 llj ; 51 65! 13 1 Zl 8 L-j. 3 ; ^ j 11 ;, 42 5 I 4? J- n 25 j j 1 I !! -U 21 j ^54! 46 5l2 l09j !

30

31 FIGURE I. FIRST ADMISSION ALCOHOLIC PATIENTS DISCHARGED FROM STATE MENTAL HOSPITALS DURING YEAR ENDING JUNE 30, I960 NUMBER OF 80 PATIENTS 70 BY SEX AND RACE ko t o Age Group W Male W Female N Male N Female

32

33 FIGURE 2. FIFST AJT'ISSIOW EXOESrVE IF.PJKERS DISCHARGED FROM PS V CHIATPIC OUTPATIENT CLINICS DUB-D^G YEAR ENDING JUNE 30, I NUMBER OF 70 PATIENTS BY 60 SEX 50 AND RACE ho UO h5 $05$' &) Ape Group W Male W Female,._. N Male ' r~- N Femgle

34

35 I FIGURE 3. ALCOHOLIC PATIENTS ADMITTED TO STATE MENTAL HOSPITALS 1959 CROWNSVILLE EASTERN SHORE SPRING GROVE SPRINGFIELD NUMBER OF PATIENTS j lao! 120 ; 100 j 8d 6o ko!. J n -*. 1 N! ^ : Krj ^ ; t a N 1 1 ^! 'x.'x 1 }. *\ t j j N X 1 r > M "" v! ^. 1 S * ^ X X, "s ; -. s K s S r h j. 1 j t 4 X v Nl S j! I 1 ; ; -C - s * v^ 20 > 1 s N I X v v V > "N '""S *>-. 1 t,.) Frst Admsson vy\v.\\l Re-admsson

36

37 Fgure *f. ALCOHOLIC PATIENTS DISCHARGED FROM STATE MENTAL HOSPITALS (k) AND PSYCHIATRIC CLINICS (32) HOSPITALS June 30, I960 CLINICS June 30, NUMBER OF PATIENTS Frst Admsson NXWWH Re-admsson

38

An Alternative Way to Measure Private Equity Performance

An Alternative Way to Measure Private Equity Performance An Alternatve Way to Measure Prvate Equty Performance Peter Todd Parlux Investment Technology LLC Summary Internal Rate of Return (IRR) s probably the most common way to measure the performance of prvate

More information

1.1 The University may award Higher Doctorate degrees as specified from time-to-time in UPR AS11 1.

1.1 The University may award Higher Doctorate degrees as specified from time-to-time in UPR AS11 1. HIGHER DOCTORATE DEGREES SUMMARY OF PRINCIPAL CHANGES General changes None Secton 3.2 Refer to text (Amendments to verson 03.0, UPR AS02 are shown n talcs.) 1 INTRODUCTION 1.1 The Unversty may award Hgher

More information

Hollinger Canadian Publishing Holdings Co. ( HCPH ) proceeding under the Companies Creditors Arrangement Act ( CCAA )

Hollinger Canadian Publishing Holdings Co. ( HCPH ) proceeding under the Companies Creditors Arrangement Act ( CCAA ) February 17, 2011 Andrew J. Hatnay ahatnay@kmlaw.ca Dear Sr/Madam: Re: Re: Hollnger Canadan Publshng Holdngs Co. ( HCPH ) proceedng under the Companes Credtors Arrangement Act ( CCAA ) Update on CCAA Proceedngs

More information

Using Series to Analyze Financial Situations: Present Value

Using Series to Analyze Financial Situations: Present Value 2.8 Usng Seres to Analyze Fnancal Stuatons: Present Value In the prevous secton, you learned how to calculate the amount, or future value, of an ordnary smple annuty. The amount s the sum of the accumulated

More information

benefit is 2, paid if the policyholder dies within the year, and probability of death within the year is ).

benefit is 2, paid if the policyholder dies within the year, and probability of death within the year is ). REVIEW OF RISK MANAGEMENT CONCEPTS LOSS DISTRIBUTIONS AND INSURANCE Loss and nsurance: When someone s subject to the rsk of ncurrng a fnancal loss, the loss s generally modeled usng a random varable or

More information

Objectives How Can Pharmacy Staff Add to the Accountability of ACO s?

Objectives How Can Pharmacy Staff Add to the Accountability of ACO s? Objectves How Can Pharmacy Staff Add to the Accountablty of ACO s? Sandra Van Trease Group Presdent, BJC HealthCare Presdent, BJC HealthCare ACO, LLC The speaker has no conflct of nterest to declare. 1.

More information

Small pots lump sum payment instruction

Small pots lump sum payment instruction For customers Small pots lump sum payment nstructon Please read these notes before completng ths nstructon About ths nstructon Use ths nstructon f you re an ndvdual wth Aegon Retrement Choces Self Invested

More information

Answer: A). There is a flatter IS curve in the high MPC economy. Original LM LM after increase in M. IS curve for low MPC economy

Answer: A). There is a flatter IS curve in the high MPC economy. Original LM LM after increase in M. IS curve for low MPC economy 4.02 Quz Solutons Fall 2004 Multple-Choce Questons (30/00 ponts) Please, crcle the correct answer for each of the followng 0 multple-choce questons. For each queston, only one of the answers s correct.

More information

To manage leave, meeting institutional requirements and treating individual staff members fairly and consistently.

To manage leave, meeting institutional requirements and treating individual staff members fairly and consistently. Corporate Polces & Procedures Human Resources - Document CPP216 Leave Management Frst Produced: Current Verson: Past Revsons: Revew Cycle: Apples From: 09/09/09 26/10/12 09/09/09 3 years Immedately Authorsaton:

More information

Chapter 11 Practice Problems Answers

Chapter 11 Practice Problems Answers Chapter 11 Practce Problems Answers 1. Would you be more wllng to lend to a frend f she put all of her lfe savngs nto her busness than you would f she had not done so? Why? Ths problem s ntended to make

More information

One Click.. Ȯne Location.. Ȯne Portal...

One Click.. Ȯne Location.. Ȯne Portal... New Addton to your NJ-HITEC Membershp! Member Portal Detals & Features Insde! One Clck.. Ȯne Locaton.. Ȯne Portal... Connect...Share...Smplfy Health IT Member Portal Benefts Trusted Advsor - NJ-HITEC s

More information

Number of Levels Cumulative Annual operating Income per year construction costs costs ($) ($) ($) 1 600,000 35,000 100,000 2 2,200,000 60,000 350,000

Number of Levels Cumulative Annual operating Income per year construction costs costs ($) ($) ($) 1 600,000 35,000 100,000 2 2,200,000 60,000 350,000 Problem Set 5 Solutons 1 MIT s consderng buldng a new car park near Kendall Square. o unversty funds are avalable (overhead rates are under pressure and the new faclty would have to pay for tself from

More information

r~ P. k'js L O l - ' " UNITED, STATES DISTRICT DISTRICT OF CONNECTICUT STIPULATION AND ORDER

r~ P. k'js L O l - '  UNITED, STATES DISTRICT DISTRICT OF CONNECTICUT STIPULATION AND ORDER r~ P. Dstrct Com! Connectcut AT \R E W HAVEN k'js L O l - ' " UNITED, STATES DISTRICT DISTRICT OF CONNECTICUT Depot? Clexk CONNECTICUT TRAUMATIC BRAIN INJURY ASSOCIATION, ET AL. Plantffs V. MICHAEL HOGAN,

More information

: da:j :!: b ;hich all its officers, regardless of

: da:j :!: b ;hich all its officers, regardless of TERRTORY OF GUAM OFFCE OF THE GOVERNOR AGANA, GUAM 96910 U.S.A. h EfECUTVE ORDER NO. 96-16 RELAT VE TO CREATON OF A PEACE OFF CER STANDARDS land TRANNG COMMSSON (POST), AND G A POST REVO LVNG FUND. ESTABLSDN

More information

The Development of Web Log Mining Based on Improve-K-Means Clustering Analysis

The Development of Web Log Mining Based on Improve-K-Means Clustering Analysis The Development of Web Log Mnng Based on Improve-K-Means Clusterng Analyss TngZhong Wang * College of Informaton Technology, Luoyang Normal Unversty, Luoyang, 471022, Chna wangtngzhong2@sna.cn Abstract.

More information

Financial Mathemetics

Financial Mathemetics Fnancal Mathemetcs 15 Mathematcs Grade 12 Teacher Gude Fnancal Maths Seres Overvew In ths seres we am to show how Mathematcs can be used to support personal fnancal decsons. In ths seres we jon Tebogo,

More information

Simple Interest Loans (Section 5.1) :

Simple Interest Loans (Section 5.1) : Chapter 5 Fnance The frst part of ths revew wll explan the dfferent nterest and nvestment equatons you learned n secton 5.1 through 5.4 of your textbook and go through several examples. The second part

More information

Tuition Fee Loan application notes

Tuition Fee Loan application notes Tuton Fee Loan applcaton notes for new part-tme EU students 2012/13 About these notes These notes should be read along wth your Tuton Fee Loan applcaton form. The notes are splt nto three parts: Part 1

More information

Assurant Employee Benefits City of Frisco Dental DHMO & Dental PPO

Assurant Employee Benefits City of Frisco Dental DHMO & Dental PPO Assurant Employee Benefts Cty of Frsco Dental DHMO & Dental PPO Dental Health Goes Beyond Your Teeth Bad dental health mpacts overall health and ncreases the rsk for dabetes, heart dsease, and poor brth

More information

AN APPOINTMENT ORDER OUTPATIENT SCHEDULING SYSTEM THAT IMPROVES OUTPATIENT EXPERIENCE

AN APPOINTMENT ORDER OUTPATIENT SCHEDULING SYSTEM THAT IMPROVES OUTPATIENT EXPERIENCE AN APPOINTMENT ORDER OUTPATIENT SCHEDULING SYSTEM THAT IMPROVES OUTPATIENT EXPERIENCE Yu-L Huang Industral Engneerng Department New Mexco State Unversty Las Cruces, New Mexco 88003, U.S.A. Abstract Patent

More information

. TITLE 37 INSURANCE PART XI CHAPTER 27: EMERGENCY - RULE 17 or DIRECTIVE 187

. TITLE 37 INSURANCE PART XI CHAPTER 27: EMERGENCY - RULE 17 or DIRECTIVE 187 . TTLE 37 NSURANCE PART X CHAPTER 27: EMERGENCY - RULE 17 or DRECTVE 187 SUSPENSON OF CERTAN STATUTES AND REGULATONS REGARDNG HEALTH NSURANCE.. ANDRELATEDPROVSONSREGARDNG ANY AND ALL NSURANC:EMATTERS AFFECTNG

More information

Lecture 3: Force of Interest, Real Interest Rate, Annuity

Lecture 3: Force of Interest, Real Interest Rate, Annuity Lecture 3: Force of Interest, Real Interest Rate, Annuty Goals: Study contnuous compoundng and force of nterest Dscuss real nterest rate Learn annuty-mmedate, and ts present value Study annuty-due, and

More information

The State of South Carolina OFFICE OF THE ATTORNEY GENERAL

The State of South Carolina OFFICE OF THE ATTORNEY GENERAL The State of South Carolna OFFCE OF THE ATTORNEY GENERAL HENRY MCMASTER A"TORNEY GENERAL Gwen Fuller McGrff, Deputy Drector and General Counse1 South Carolna Department of nsurance P.O. Box 100105 Columba,

More information

Study on CET4 Marks in China s Graded English Teaching

Study on CET4 Marks in China s Graded English Teaching Study on CET4 Marks n Chna s Graded Englsh Teachng CHE We College of Foregn Studes, Shandong Insttute of Busness and Technology, P.R.Chna, 264005 Abstract: Ths paper deploys Logt model, and decomposes

More information

LIFETIME INCOME OPTIONS

LIFETIME INCOME OPTIONS LIFETIME INCOME OPTIONS May 2011 by: Marca S. Wagner, Esq. The Wagner Law Group A Professonal Corporaton 99 Summer Street, 13 th Floor Boston, MA 02110 Tel: (617) 357-5200 Fax: (617) 357-5250 www.ersa-lawyers.com

More information

Overview of monitoring and evaluation

Overview of monitoring and evaluation 540 Toolkt to Combat Traffckng n Persons Tool 10.1 Overvew of montorng and evaluaton Overvew Ths tool brefly descrbes both montorng and evaluaton, and the dstncton between the two. What s montorng? Montorng

More information

Finite Math Chapter 10: Study Guide and Solution to Problems

Finite Math Chapter 10: Study Guide and Solution to Problems Fnte Math Chapter 10: Study Gude and Soluton to Problems Basc Formulas and Concepts 10.1 Interest Basc Concepts Interest A fee a bank pays you for money you depost nto a savngs account. Prncpal P The amount

More information

Trivial lump sum R5.0

Trivial lump sum R5.0 Optons form Once you have flled n ths form, please return t wth your orgnal brth certfcate to: Premer PO Box 2067 Croydon CR90 9ND. Fll n ths form usng BLOCK CAPITALS and black nk. Mark all answers wth

More information

ADVERTISEMENT FOR THE POST OF DIRECTOR, lim TIRUCHIRAPPALLI

ADVERTISEMENT FOR THE POST OF DIRECTOR, lim TIRUCHIRAPPALLI ADVERTSEMENT FOR THE POST OF DRECTOR, lm TRUCHRAPPALL The ndan nsttute of Management Truchrappall (MT), establshed n 2011 n the regon of Taml Nadu s a leadng management school n nda. ts vson s "Preparng

More information

SUPPLIER FINANCING AND STOCK MANAGEMENT. A JOINT VIEW.

SUPPLIER FINANCING AND STOCK MANAGEMENT. A JOINT VIEW. SUPPLIER FINANCING AND STOCK MANAGEMENT. A JOINT VIEW. Lucía Isabel García Cebrán Departamento de Economía y Dreccón de Empresas Unversdad de Zaragoza Gran Vía, 2 50.005 Zaragoza (Span) Phone: 976-76-10-00

More information

7.5. Present Value of an Annuity. Investigate

7.5. Present Value of an Annuity. Investigate 7.5 Present Value of an Annuty Owen and Anna are approachng retrement and are puttng ther fnances n order. They have worked hard and nvested ther earnngs so that they now have a large amount of money on

More information

------ Evidence from a Natural Experiment in China

------ Evidence from a Natural Experiment in China Are Assets n Medcal Savngs Accounts Dscounted? ------ Evdence from a Natural Experment n Chna Maoyong Fan, Zhen Le and Guoen Lu November 23rd, 2010 Abstract: In Chna, Medcal Savngs Accounts (MSAs) are

More information

A powerful tool designed to enhance innovation and business performance

A powerful tool designed to enhance innovation and business performance A powerful tool desgned to enhance nnovaton and busness performance The LEGO Foundaton has taken over the responsblty for the LEGO SERIOUS PLAY method. Ths change wll help create the platform for the contnued

More information

IT09 - Identity Management Policy

IT09 - Identity Management Policy IT09 - Identty Management Polcy Introducton 1 The Unersty needs to manage dentty accounts for all users of the Unersty s electronc systems and ensure that users hae an approprate leel of access to these

More information

DEFINING %COMPLETE IN MICROSOFT PROJECT

DEFINING %COMPLETE IN MICROSOFT PROJECT CelersSystems DEFINING %COMPLETE IN MICROSOFT PROJECT PREPARED BY James E Aksel, PMP, PMI-SP, MVP For Addtonal Informaton about Earned Value Management Systems and reportng, please contact: CelersSystems,

More information

LAW ENFORCEMENT TRAINING TOOLS. Training tools for law enforcement officials and the judiciary

LAW ENFORCEMENT TRAINING TOOLS. Training tools for law enforcement officials and the judiciary chapter 5 Law enforcement and prosecuton 261 LAW ENFORCEMENT TRAINING TOOLS Tool 5.20 Tranng tools for law enforcement offcals and the judcary Overvew Ths tool recommends resources for tranng law enforcement

More information

Section 2.2 Future Value of an Annuity

Section 2.2 Future Value of an Annuity Secton 2.2 Future Value of an Annuty Annuty s any sequence of equal perodc payments. Depost s equal payment each nterval There are two basc types of annutes. An annuty due requres that the frst payment

More information

Certificate No. 68613082 ONTARIO COURT (PROVINCIAL DIVISION) - versus - PAULO RAPOSO TRANSCRIPT OF PROCEEDINGS

Certificate No. 68613082 ONTARIO COURT (PROVINCIAL DIVISION) - versus - PAULO RAPOSO TRANSCRIPT OF PROCEEDINGS Certfcate No. 686182 ONTARIO COURT (PROVINCIAL DIVISION) HER MAJESTY THE QUEEN - versus - PAULO RAPOSO TRANSCRIPT OF PROCEEDINGS Heard before The Honourable Mr. Justce D. Cooper at Hamlton, Ontaro on Aprl

More information

CHOLESTEROL REFERENCE METHOD LABORATORY NETWORK. Sample Stability Protocol

CHOLESTEROL REFERENCE METHOD LABORATORY NETWORK. Sample Stability Protocol CHOLESTEROL REFERENCE METHOD LABORATORY NETWORK Sample Stablty Protocol Background The Cholesterol Reference Method Laboratory Network (CRMLN) developed certfcaton protocols for total cholesterol, HDL

More information

The Safety Board recommends that the Penn Central Transportation. Company and the American Railway Engineering Association revise

The Safety Board recommends that the Penn Central Transportation. Company and the American Railway Engineering Association revise V. RECOWNDATONS 4.! The Safety Board recommends that the Penn Central Transportaton Company and the Amercan Ralway Engneerng Assocaton revse ther track nspecton and mantenance standards or recommended

More information

Help is a tou ch of a button away. Telecare - keeping you safe and independent in your own home. i Personal emergency equipment

Help is a tou ch of a button away. Telecare - keeping you safe and independent in your own home. i Personal emergency equipment Help s a tou ch of a button away Telecare - keepng you safe and ndependent n your own home Personal emergency equpment 24/7 moble response - ncludng a dgnty savng lftng servce Professonal support Welcome

More information

Extending Probabilistic Dynamic Epistemic Logic

Extending Probabilistic Dynamic Epistemic Logic Extendng Probablstc Dynamc Epstemc Logc Joshua Sack May 29, 2008 Probablty Space Defnton A probablty space s a tuple (S, A, µ), where 1 S s a set called the sample space. 2 A P(S) s a σ-algebra: a set

More information

Module 2 LOSSLESS IMAGE COMPRESSION SYSTEMS. Version 2 ECE IIT, Kharagpur

Module 2 LOSSLESS IMAGE COMPRESSION SYSTEMS. Version 2 ECE IIT, Kharagpur Module LOSSLESS IMAGE COMPRESSION SYSTEMS Lesson 3 Lossless Compresson: Huffman Codng Instructonal Objectves At the end of ths lesson, the students should be able to:. Defne and measure source entropy..

More information

The OC Curve of Attribute Acceptance Plans

The OC Curve of Attribute Acceptance Plans The OC Curve of Attrbute Acceptance Plans The Operatng Characterstc (OC) curve descrbes the probablty of acceptng a lot as a functon of the lot s qualty. Fgure 1 shows a typcal OC Curve. 10 8 6 4 1 3 4

More information

1. Math 210 Finite Mathematics

1. Math 210 Finite Mathematics 1. ath 210 Fnte athematcs Chapter 5.2 and 5.3 Annutes ortgages Amortzaton Professor Rchard Blecksmth Dept. of athematcal Scences Northern Illnos Unversty ath 210 Webste: http://math.nu.edu/courses/math210

More information

Thursday, December 10, 2009 Noon - 1:50 pm Faraday 143

Thursday, December 10, 2009 Noon - 1:50 pm Faraday 143 1. ath 210 Fnte athematcs Chapter 5.2 and 4.3 Annutes ortgages Amortzaton Professor Rchard Blecksmth Dept. of athematcal Scences Northern Illnos Unversty ath 210 Webste: http://math.nu.edu/courses/math210

More information

An Interest-Oriented Network Evolution Mechanism for Online Communities

An Interest-Oriented Network Evolution Mechanism for Online Communities An Interest-Orented Network Evoluton Mechansm for Onlne Communtes Cahong Sun and Xaopng Yang School of Informaton, Renmn Unversty of Chna, Bejng 100872, P.R. Chna {chsun,yang}@ruc.edu.cn Abstract. Onlne

More information

The Current Employment Statistics (CES) survey,

The Current Employment Statistics (CES) survey, Busness Brths and Deaths Impact of busness brths and deaths n the payroll survey The CES probablty-based sample redesgn accounts for most busness brth employment through the mputaton of busness deaths,

More information

Health Insurance for the AEed: The Statistical Program

Health Insurance for the AEed: The Statistical Program Health Insurance for the AEed: The Statstcal Program u v by HOWARD WEST* On July, 966, the health nsurance program for the aged under the Socal Securty Act went nto effect. Ths program helps to close a

More information

What is Candidate Sampling

What is Candidate Sampling What s Canddate Samplng Say we have a multclass or mult label problem where each tranng example ( x, T ) conssts of a context x a small (mult)set of target classes T out of a large unverse L of possble

More information

Section 5.4 Annuities, Present Value, and Amortization

Section 5.4 Annuities, Present Value, and Amortization Secton 5.4 Annutes, Present Value, and Amortzaton Present Value In Secton 5.2, we saw that the present value of A dollars at nterest rate per perod for n perods s the amount that must be deposted today

More information

Activity Scheduling for Cost-Time Investment Optimization in Project Management

Activity Scheduling for Cost-Time Investment Optimization in Project Management PROJECT MANAGEMENT 4 th Internatonal Conference on Industral Engneerng and Industral Management XIV Congreso de Ingenería de Organzacón Donosta- San Sebastán, September 8 th -10 th 010 Actvty Schedulng

More information

Proceedings of the Annual Meeting of the American Statistical Association, August 5-9, 2001

Proceedings of the Annual Meeting of the American Statistical Association, August 5-9, 2001 Proceedngs of the Annual Meetng of the Amercan Statstcal Assocaton, August 5-9, 2001 LIST-ASSISTED SAMPLING: THE EFFECT OF TELEPHONE SYSTEM CHANGES ON DESIGN 1 Clyde Tucker, Bureau of Labor Statstcs James

More information

Can Auto Liability Insurance Purchases Signal Risk Attitude?

Can Auto Liability Insurance Purchases Signal Risk Attitude? Internatonal Journal of Busness and Economcs, 2011, Vol. 10, No. 2, 159-164 Can Auto Lablty Insurance Purchases Sgnal Rsk Atttude? Chu-Shu L Department of Internatonal Busness, Asa Unversty, Tawan Sheng-Chang

More information

Time Value of Money. Types of Interest. Compounding and Discounting Single Sums. Page 1. Ch. 6 - The Time Value of Money. The Time Value of Money

Time Value of Money. Types of Interest. Compounding and Discounting Single Sums. Page 1. Ch. 6 - The Time Value of Money. The Time Value of Money Ch. 6 - The Tme Value of Money Tme Value of Money The Interest Rate Smple Interest Compound Interest Amortzng a Loan FIN21- Ahmed Y, Dasht TIME VALUE OF MONEY OR DISCOUNTED CASH FLOW ANALYSIS Very Important

More information

Multiple-Period Attribution: Residuals and Compounding

Multiple-Period Attribution: Residuals and Compounding Multple-Perod Attrbuton: Resduals and Compoundng Our revewer gave these authors full marks for dealng wth an ssue that performance measurers and vendors often regard as propretary nformaton. In 1994, Dens

More information

10.2 Future Value and Present Value of an Ordinary Simple Annuity

10.2 Future Value and Present Value of an Ordinary Simple Annuity 348 Chapter 10 Annutes 10.2 Future Value and Present Value of an Ordnary Smple Annuty In compound nterest, 'n' s the number of compoundng perods durng the term. In an ordnary smple annuty, payments are

More information

Intra-year Cash Flow Patterns: A Simple Solution for an Unnecessary Appraisal Error

Intra-year Cash Flow Patterns: A Simple Solution for an Unnecessary Appraisal Error Intra-year Cash Flow Patterns: A Smple Soluton for an Unnecessary Apprasal Error By C. Donald Wggns (Professor of Accountng and Fnance, the Unversty of North Florda), B. Perry Woodsde (Assocate Professor

More information

Hot and easy in Florida: The case of economics professors

Hot and easy in Florida: The case of economics professors Research n Hgher Educaton Journal Abstract Hot and easy n Florda: The case of economcs professors Olver Schnusenberg The Unversty of North Florda Cheryl Froehlch The Unversty of North Florda We nvestgate

More information

Gender differences in revealed risk taking: evidence from mutual fund investors

Gender differences in revealed risk taking: evidence from mutual fund investors Economcs Letters 76 (2002) 151 158 www.elsever.com/ locate/ econbase Gender dfferences n revealed rsk takng: evdence from mutual fund nvestors a b c, * Peggy D. Dwyer, James H. Glkeson, John A. Lst a Unversty

More information

Heterogeneous Paths Through College: Detailed Patterns and Relationships with Graduation and Earnings

Heterogeneous Paths Through College: Detailed Patterns and Relationships with Graduation and Earnings Heterogeneous Paths Through College: Detaled Patterns and Relatonshps wth Graduaton and Earnngs Rodney J. Andrews The Unversty of Texas at Dallas and the Texas Schools Project Jng L The Unversty of Tulsa

More information

Lecture 3: Annuity. Study annuities whose payments form a geometric progression or a arithmetic progression.

Lecture 3: Annuity. Study annuities whose payments form a geometric progression or a arithmetic progression. Lecture 3: Annuty Goals: Learn contnuous annuty and perpetuty. Study annutes whose payments form a geometrc progresson or a arthmetc progresson. Dscuss yeld rates. Introduce Amortzaton Suggested Textbook

More information

Uncrystallised funds pension lump sum payment instruction

Uncrystallised funds pension lump sum payment instruction For customers Uncrystallsed funds penson lump sum payment nstructon Don t complete ths form f your wrapper s derved from a penson credt receved followng a dvorce where your ex spouse or cvl partner had

More information

Staff Paper. Farm Savings Accounts: Examining Income Variability, Eligibility, and Benefits. Brent Gloy, Eddy LaDue, and Charles Cuykendall

Staff Paper. Farm Savings Accounts: Examining Income Variability, Eligibility, and Benefits. Brent Gloy, Eddy LaDue, and Charles Cuykendall SP 2005-02 August 2005 Staff Paper Department of Appled Economcs and Management Cornell Unversty, Ithaca, New York 14853-7801 USA Farm Savngs Accounts: Examnng Income Varablty, Elgblty, and Benefts Brent

More information

Assessment of the legal framework

Assessment of the legal framework 46 Toolkt to Combat Traffckng n Persons Tool 2.4 Assessment of the legal framework Overvew Ths tool offers gudelnes and resources for assessng a natonal legal framework. See also Tool 3.2 on crmnalzaton

More information

Ameriprise Financial Services, Inc. or RiverSource Life Insurance Company Account Registration

Ameriprise Financial Services, Inc. or RiverSource Life Insurance Company Account Registration CED0105200808 Amerprse Fnancal Servces, Inc. 70400 Amerprse Fnancal Center Mnneapols, MN 55474 Incomng Account Transfer/Exchange/ Drect Rollover (Qualfed Plans Only) for Amerprse certfcates, Columba mutual

More information

HOUSEHOLDS DEBT BURDEN: AN ANALYSIS BASED ON MICROECONOMIC DATA*

HOUSEHOLDS DEBT BURDEN: AN ANALYSIS BASED ON MICROECONOMIC DATA* HOUSEHOLDS DEBT BURDEN: AN ANALYSIS BASED ON MICROECONOMIC DATA* Luísa Farnha** 1. INTRODUCTION The rapd growth n Portuguese households ndebtedness n the past few years ncreased the concerns that debt

More information

CHAPTER 5 RELATIONSHIPS BETWEEN QUANTITATIVE VARIABLES

CHAPTER 5 RELATIONSHIPS BETWEEN QUANTITATIVE VARIABLES CHAPTER 5 RELATIONSHIPS BETWEEN QUANTITATIVE VARIABLES In ths chapter, we wll learn how to descrbe the relatonshp between two quanttatve varables. Remember (from Chapter 2) that the terms quanttatve varable

More information

Causal, Explanatory Forecasting. Analysis. Regression Analysis. Simple Linear Regression. Which is Independent? Forecasting

Causal, Explanatory Forecasting. Analysis. Regression Analysis. Simple Linear Regression. Which is Independent? Forecasting Causal, Explanatory Forecastng Assumes cause-and-effect relatonshp between system nputs and ts output Forecastng wth Regresson Analyss Rchard S. Barr Inputs System Cause + Effect Relatonshp The job of

More information

APPLICATION OF PROBE DATA COLLECTED VIA INFRARED BEACONS TO TRAFFIC MANEGEMENT

APPLICATION OF PROBE DATA COLLECTED VIA INFRARED BEACONS TO TRAFFIC MANEGEMENT APPLICATION OF PROBE DATA COLLECTED VIA INFRARED BEACONS TO TRAFFIC MANEGEMENT Toshhko Oda (1), Kochro Iwaoka (2) (1), (2) Infrastructure Systems Busness Unt, Panasonc System Networks Co., Ltd. Saedo-cho

More information

The program for the Bachelor degrees shall extend over three years of full-time study or the parttime equivalent.

The program for the Bachelor degrees shall extend over three years of full-time study or the parttime equivalent. Bachel of Commerce Bachel of Commerce (Accountng) Bachel of Commerce (Cpate Fnance) Bachel of Commerce (Internatonal Busness) Bachel of Commerce (Management) Bachel of Commerce (Marketng) These Program

More information

On the Optimal Control of a Cascade of Hydro-Electric Power Stations

On the Optimal Control of a Cascade of Hydro-Electric Power Stations On the Optmal Control of a Cascade of Hydro-Electrc Power Statons M.C.M. Guedes a, A.F. Rbero a, G.V. Smrnov b and S. Vlela c a Department of Mathematcs, School of Scences, Unversty of Porto, Portugal;

More information

Calculation of Sampling Weights

Calculation of Sampling Weights Perre Foy Statstcs Canada 4 Calculaton of Samplng Weghts 4.1 OVERVIEW The basc sample desgn used n TIMSS Populatons 1 and 2 was a two-stage stratfed cluster desgn. 1 The frst stage conssted of a sample

More information

Children in Immigrant Families in Connecticut. Children in immigrant families have diverse national origins

Children in Immigrant Families in Connecticut. Children in immigrant families have diverse national origins Chldren n Immgrant Famles n Connectcut Fact Sheet The Center for Socal and Demographc Analyss www.albany.edu/csda September 2009 The Anne E. Casey Foundaton s a prvate chartable organzaton dedcated to

More information

SPECIALIZED DAY TRADING - A NEW VIEW ON AN OLD GAME

SPECIALIZED DAY TRADING - A NEW VIEW ON AN OLD GAME August 7 - August 12, 2006 n Baden-Baden, Germany SPECIALIZED DAY TRADING - A NEW VIEW ON AN OLD GAME Vladmr Šmovć 1, and Vladmr Šmovć 2, PhD 1 Faculty of Electrcal Engneerng and Computng, Unska 3, 10000

More information

_] A Clinical Study of LSD Treatment in Alcoholisnl

_] A Clinical Study of LSD Treatment in Alcoholisnl ,r Y ) l _ (196g) LSD18S3 d 1 Amer.J.Psychat. I;_, 59-69 _] A Clncal Study of LSD Treatment n Alcoholsnl BY ARNOLD LUD_VIG I.D._.IEHO_IE LEVINE_ 3I.I)._ LOUIS STARK9 AND ROB}_HT LAZAR One hundred seventy-sx

More information

Canon NTSC Help Desk Documentation

Canon NTSC Help Desk Documentation Canon NTSC Help Desk Documentaton READ THIS BEFORE PROCEEDING Before revewng ths documentaton, Canon Busness Solutons, Inc. ( CBS ) hereby refers you, the customer or customer s representatve or agent

More information

Section 5.3 Annuities, Future Value, and Sinking Funds

Section 5.3 Annuities, Future Value, and Sinking Funds Secton 5.3 Annutes, Future Value, and Snkng Funds Ordnary Annutes A sequence of equal payments made at equal perods of tme s called an annuty. The tme between payments s the payment perod, and the tme

More information

Communication Networks II Contents

Communication Networks II Contents 8 / 1 -- Communcaton Networs II (Görg) -- www.comnets.un-bremen.de Communcaton Networs II Contents 1 Fundamentals of probablty theory 2 Traffc n communcaton networs 3 Stochastc & Marovan Processes (SP

More information

1.4 We propose that the Access Agreement be valid for the intakes of students in 2006, 2007 and 2008.

1.4 We propose that the Access Agreement be valid for the intakes of students in 2006, 2007 and 2008. THE LONDON SCHOOL OF ECONOMICS AND POLITICAL SCIENCE THE ACCESS AGREEMENT, 2006 TO 2008 1 Preamble 1.1 From October 2006 the LSE proposes to charge Home/EU undergraduates an annual fee of 3000 for all

More information

Formula of Total Probability, Bayes Rule, and Applications

Formula of Total Probability, Bayes Rule, and Applications 1 Formula of Total Probablty, Bayes Rule, and Applcatons Recall that for any event A, the par of events A and A has an ntersecton that s empty, whereas the unon A A represents the total populaton of nterest.

More information

Screening Tools Chart As of November 2011

Screening Tools Chart As of November 2011 Screenng Chart As of November 2011 Ths tools chart reflects the results of the fourth annual revew of screenng tools by the Center s Techncal Revew Commttee (TRC). The Center defnes screenng as follows:

More information

The demand for private health care in the UK

The demand for private health care in the UK Journal of Health Economcs 19 2000 855 876 www.elsever.nlrlocatereconbase The demand for prvate health care n the UK Carol Propper ) Department of Economcs, CASE and CEPR, UnÕersty of Brstol, Brstol BS8

More information

FREQUENCY OF OCCURRENCE OF CERTAIN CHEMICAL CLASSES OF GSR FROM VARIOUS AMMUNITION TYPES

FREQUENCY OF OCCURRENCE OF CERTAIN CHEMICAL CLASSES OF GSR FROM VARIOUS AMMUNITION TYPES FREQUENCY OF OCCURRENCE OF CERTAIN CHEMICAL CLASSES OF GSR FROM VARIOUS AMMUNITION TYPES Zuzanna BRO EK-MUCHA, Grzegorz ZADORA, 2 Insttute of Forensc Research, Cracow, Poland 2 Faculty of Chemstry, Jagellonan

More information

Commissioning responsibilities

Commissioning responsibilities Publc Health n Local Government Commssonng responsbltes Local authortes wll be responsble for: tobacco control and smokng cessaton servces alcohol and drug msuse servces publc health servces for chldren

More information

Marginal Returns to Education For Teachers

Marginal Returns to Education For Teachers The Onlne Journal of New Horzons n Educaton Volume 4, Issue 3 MargnalReturnstoEducatonForTeachers RamleeIsmal,MarnahAwang ABSTRACT FacultyofManagementand Economcs UnverstPenddkanSultan Idrs ramlee@fpe.ups.edu.my

More information

CISCO SPA500G SERIES REFERENCE GUIDE

CISCO SPA500G SERIES REFERENCE GUIDE CISCO SPA500G SERIES REFERENCE GUIDE Part of the Csco Small Busness Pro Seres, the SIP based Csco SPA504G 4-Lne IP phone wth 2-port swtch has been tested to ensure comprehensve nteroperablty wth equpment

More information

Time Value of Money Module

Time Value of Money Module Tme Value of Money Module O BJECTIVES After readng ths Module, you wll be able to: Understand smple nterest and compound nterest. 2 Compute and use the future value of a sngle sum. 3 Compute and use the

More information

Identifying Community-Level Predictors of Depression Hospitalizations

Identifying Community-Level Predictors of Depression Hospitalizations Identfyng Communty-Level Predctors of Depresson Hosptalzatons September 2005 John Fortney Gerard Rushton Scott Wood Lxun Zhang Kathryn Rost Western Interstate Commsson for Hgher Educaton Mental Health

More information

PRIVATE SCHOOL CHOICE: THE EFFECTS OF RELIGIOUS AFFILIATION AND PARTICIPATION

PRIVATE SCHOOL CHOICE: THE EFFECTS OF RELIGIOUS AFFILIATION AND PARTICIPATION PRIVATE SCHOOL CHOICE: THE EFFECTS OF RELIIOUS AFFILIATION AND PARTICIPATION Danny Cohen-Zada Department of Economcs, Ben-uron Unversty, Beer-Sheva 84105, Israel Wllam Sander Department of Economcs, DePaul

More information

DISCLOSURES I. ELECTRONIC FUND TRANSFER DISCLOSURE (REGULATION E)... 2 ELECTRONIC DISCLOSURE AND ELECTRONIC SIGNATURE CONSENT... 7

DISCLOSURES I. ELECTRONIC FUND TRANSFER DISCLOSURE (REGULATION E)... 2 ELECTRONIC DISCLOSURE AND ELECTRONIC SIGNATURE CONSENT... 7 DISCLOSURES The Dsclosures set forth below may affect the accounts you have selected wth Bank Leum USA. Read these dsclosures carefully as they descrbe your rghts and oblgatons for the accounts and/or

More information

A Master Time Value of Money Formula. Floyd Vest

A Master Time Value of Money Formula. Floyd Vest A Master Tme Value of Money Formula Floyd Vest For Fnancal Functons on a calculator or computer, Master Tme Value of Money (TVM) Formulas are usually used for the Compound Interest Formula and for Annutes.

More information

The covariance is the two variable analog to the variance. The formula for the covariance between two variables is

The covariance is the two variable analog to the variance. The formula for the covariance between two variables is Regresson Lectures So far we have talked only about statstcs that descrbe one varable. What we are gong to be dscussng for much of the remander of the course s relatonshps between two or more varables.

More information

Texas Instruments 30X IIS Calculator

Texas Instruments 30X IIS Calculator Texas Instruments 30X IIS Calculator Keystrokes for the TI-30X IIS are shown for a few topcs n whch keystrokes are unque. Start by readng the Quk Start secton. Then, before begnnng a specfc unt of the

More information

ADVERSE SELECTION IN INSURANCE MARKETS: POLICYHOLDER EVIDENCE FROM THE U.K. ANNUITY MARKET *

ADVERSE SELECTION IN INSURANCE MARKETS: POLICYHOLDER EVIDENCE FROM THE U.K. ANNUITY MARKET * ADVERSE SELECTION IN INSURANCE MARKETS: POLICYHOLDER EVIDENCE FROM THE U.K. ANNUITY MARKET * Amy Fnkelsten Harvard Unversty and NBER James Poterba MIT and NBER * We are grateful to Jeffrey Brown, Perre-Andre

More information

Uncrystallised funds pension lump sum

Uncrystallised funds pension lump sum For customers Uncrystallsed funds penson lump sum Payment nstructon What does ths form do? Ths form nstructs us to pay the full penson fund, under your non-occupatonal penson scheme plan wth us, to you

More information

Types of Injuries. (20 minutes) LEARNING OBJECTIVES MATERIALS NEEDED

Types of Injuries. (20 minutes) LEARNING OBJECTIVES MATERIALS NEEDED U N I T 3 Types of Injures (20 mnutes) PURPOSE: To help coaches learn how to recognze the man types of acute and chronc njures. LEARNING OBJECTIVES In ths unt, coaches wll learn how most njures occur,

More information

Passive Filters. References: Barbow (pp 265-275), Hayes & Horowitz (pp 32-60), Rizzoni (Chap. 6)

Passive Filters. References: Barbow (pp 265-275), Hayes & Horowitz (pp 32-60), Rizzoni (Chap. 6) Passve Flters eferences: Barbow (pp 6575), Hayes & Horowtz (pp 360), zzon (Chap. 6) Frequencyselectve or flter crcuts pass to the output only those nput sgnals that are n a desred range of frequences (called

More information

Robust Design of Public Storage Warehouses. Yeming (Yale) Gong EMLYON Business School

Robust Design of Public Storage Warehouses. Yeming (Yale) Gong EMLYON Business School Robust Desgn of Publc Storage Warehouses Yemng (Yale) Gong EMLYON Busness School Rene de Koster Rotterdam school of management, Erasmus Unversty Abstract We apply robust optmzaton and revenue management

More information

Risk-based Fatigue Estimate of Deep Water Risers -- Course Project for EM388F: Fracture Mechanics, Spring 2008

Risk-based Fatigue Estimate of Deep Water Risers -- Course Project for EM388F: Fracture Mechanics, Spring 2008 Rsk-based Fatgue Estmate of Deep Water Rsers -- Course Project for EM388F: Fracture Mechancs, Sprng 2008 Chen Sh Department of Cvl, Archtectural, and Envronmental Engneerng The Unversty of Texas at Austn

More information