Evaluatie experimenten Participatiewet: Effecten op de uitstroom naar werk.

Hervorming Sociale Regelgevin

Inkomensongelijkheid naar migratieachtergrond.

Hervorming Sociale Regelgevin

In Absolute or Relative Terms? How Framing Prices Affects the Consumer Price Sensitivity of Health Plan Choice

This paper provides field evidence on (a) how price framing affects consumers' decision to switch health insurance plans and (b) how the price elasticity of demand for health insurance can be influenced by policymakers through simple regulatory efforts. In 2009, in order to foster competition among health insurance companies, German federal regulation required health insurance companies to express price differences between health plans in absolute Euro values rather than percentage point payroll tax differences. Using individual-level panel data, as well as aggregated health plan-level panel data, we find that the reform led to a sixfold increase in an individual's switching probability and a threefold demand elasticity increase

Genomic organisation of the Mal d 1 gene cluster on linkage group 16 in apple

European populations exhibit progressive sensitisation to food allergens, and apples are one of the foods for which sensitisation is observed most frequently. Apple cultivars vary greatly in their allergenic characteristics, and a better understanding of the genetic basis of low allergenicity may therefore allow allergic individuals to increase their fruit intake. Mal d 1 is considered to be a major apple allergen, and this protein is encoded by the most complex allergen gene family. Not all Mal d 1 members are likely to be involved in allergenicity. Therefore, additional knowledge about the existence and characteristics of the different Mal d 1 genes is required. In the present study, we investigated the genomic organisation of the Mal d 1 gene cluster in linkage group 16 of apple through the sequencing of two bacterial artificial chromosome clones. The results provided new information on the composition of this family with respect to the number and orientation of functional and pseudogenes and their physical distances. The results were compared with the apple and peach genome sequences that have recently been made available. A broad analysis of the whole apple genome revealed the presence of new genes in this family, and a complete list of the observed Mal d 1 genes is supplied. Thus, this study provides an important contribution towards a better understanding of the genetics of the Mal d 1 family and establishes the basis for further research on allelic diversity among cultivars in relation to variation in allergenicity

Insurance Search and Switching Behaviour at the time of the Dutch Health Insurance Reform

The Netherlands introduced a new health insurance system in January 2006, a system based on managed competition. Such a system critically hinges on consumers that search. It is for this reason we think it is important to investigate the extend to which consumers search, how they search and why they search ´or don’t search. The price dispersion observed in the insurance market after the reform suggests the number of consumers that searches is low. We set up a search model for insurance that includes the main features of the Dutch health insurance market after the reform and test the hypotheses from this model on the data.

Electromagnetic mode matching in a Wilson basis: optical fiber connections with a gap

On the basis of two optical fibers with an optional lateral and longitudinal displacement in a homogeneous background medium, we describe a general full-vectorial Wilson-basis discretized mode-matching method that evaluates the converged electromagnetic fields after all resonances in the possible gap cavity have settled. Wilson basis functions feature strong localization in both the spatial and the spectral domain, which allows for efficient modal electromagnetic field expansions, adequate truncation of field propagation operators, and sparse translation operators, which in turn allow to make ad hoc electromagnetic field-matching operators. For physical contact connections between single-mode fibers with a mode-field diameter mismatch, we obtain attenuation curves that are right between those obtained from approximation methods that either effectively match the electric field or the magnetic field under the assumption of a vanishing reflection. For fibers separated by a growing gap, constructive and destructive interference patterns in the cavity are computed by the successive application of Love’s equivalence principle and the propagation operator. By leveraging the physical width of the Wilson basis functions and the stepsize of the propagation operator, the initial operators may be reused in solving the interface problem for other wavelengths. For multi-mode fiber connections, we provide attenuation curves on a modal electromagnetic field level, as well as for overfilled and core-confined target encircled-flux compliant launches. A comparison to geometrical-optics based approaches shows attenuation differences in the order of several hundredth of a dB, and although that is small, it is significant for modern connection attenuation specifications. In the final example of connections between regular and trench-assisted multi-mode fibers, we notice that the relative change in the cumulative near-field power distribution can be significant, despite a marginally small attenuation. The influence of a core diameter and/or numerical aperture mismatch can be examined with a deliberate lateral misalignment