Stacking of Uninsured and Underinsured Motor Vehicle Coverages

Often, the first question asked by a plaintiff\u27s attorney in evaluating a serious automobile accident case is, How much insurance coverage is available? That same question can pose perplexing issues for defense attorneys or insurance counsel in assessing a client\u27s exposure to liability. In Virginia, these questions often re- quire the attorney to consider the application of Virginia\u27s Uninsured Motorist statutes and the import of stacking of coverage

Using shared goal setting to improve access and equity: a mixed methods study of the Good Goals intervention

Background: Access and equity in children’s therapy services may be improved by directing clinicians’ use of resources toward specific goals that are important to patients. A practice-change intervention (titled ‘Good Goals’) was designed to achieve this. This study investigated uptake, adoption, and possible effects of that intervention in children’s occupational therapy services. Methods: Mixed methods case studies (n = 3 services, including 46 therapists and 558 children) were conducted. The intervention was delivered over 25 weeks through face-to-face training, team workbooks, and ‘tools for change’. Data were collected before, during, and after the intervention on a range of factors using interviews, a focus group, case note analysis, routine data, document analysis, and researchers’ observations. Results: Factors related to uptake and adoptions were: mode of intervention delivery, competing demands on therapists’ time, and leadership by service manager. Service managers and therapists reported that the intervention: helped therapists establish a shared rationale for clinical decisions; increased clarity in service provision; and improved interactions with families and schools. During the study period, therapists’ behaviours changed: identifying goals, odds ratio 2.4 (95% CI 1.5 to 3.8); agreeing goals, 3.5 (2.4 to 5.1); evaluating progress, 2.0 (1.1 to 3.5). Children’s LoT decreased by two months [95% CI −8 to +4 months] across the services. Cost per therapist trained ranged from £1,003 to £1,277, depending upon service size and therapists’ salary bands. Conclusions: Good Goals is a promising quality improvement intervention that can be delivered and adopted in practice and may have benefits. Further research is required to evaluate its: (i) impact on patient outcomes, effectiveness, cost-effectiveness, and (ii) transferability to other clinical contexts

Applying psychological type theory to cathedral visitors : a case study of two cathedrals in England and Wales

This study employs Jungian psychological type theory to profile visitors to Chester Cathedral in England and St Davids Cathedral in Wales. Psychological type theory offers a fourfold psychographic segmentation of visitors, distinguishing between introversion and extraversion, sensing and intuition, thinking and feeling, and judging and perceiving. New data provided by 157 visitors to Chester Cathedral (considered alongside previously published data provided by 381 visitors to St Davids Cathedral) demonstrated that these two cathedrals attract more introverts than extraverts, more sensers than intuitives, and more judgers than perceivers, but equal proportions of thinkers and feelers. Comparison with the population norms demonstrated that extraverts and perceivers are significantly under-represented among visitors to these two cathedrals. The implications of these findings are discussed both for maximising the visitor experiences of those already attracted to these cathedrals and for discovering ways of attracting more extraverts and more perceivers to explore these cathedrals

Large magnetoresistance at room-temperature in semiconducting polymer sandwich devices

We report on the discovery of a large, room temperature magnetoresistance (MR) effect in polyfluorene sandwich devices in weak magnetic fields. We characterize this effect and discuss its dependence on voltage, temperature, film thickness, electrode materials, and (unintentional) impurity concentration. We usually observed negative MR, but positive MR can also be achieved under high applied electric fields. The MR effect reaches up to 10% at fields of 10mT at room temperature. The effect shows only a weak temperature dependence and is independent of the sign and direction of the magnetic field. We find that the effect is related to the hole current in the devices.Comment: 3 pages, 4 figure

Patterns, causes, and consequences of marine larval dispersal

Quantifying the probability of larval exchange among marine populations is key to predicting local population dynamics and optimizing networks of marine protected areas. The pattern of connectivity among populations can be described by the measurement of a dispersal kernel. However, a statistically robust, empirical dispersal kernel has been lacking for any marine species. Here, we use genetic parentage analysis to quantify a dispersal kernel for the reef fish Elacatinus lori, demonstrating that dispersal declines exponentially with distance. The spatial scale of dispersal is an order of magnitude less than previous estimates—the median dispersal distance is just 1.7 km and no dispersal events exceed 16.4 km despite intensive sampling out to 30 km from source. Overlaid on this strong pattern is subtle spatial variation, but neither pelagic larval duration nor direction is associated with the probability of successful dispersal. Given the strong relationship between distance and dispersal, we show that distance-driven logistic models have strong power to predict dispersal probabilities. Moreover, connectivity matrices generated from these models are congruent with empirical estimates of spatial genetic structure, suggesting that the pattern of dispersal we uncovered reflects long-term patterns of gene flow. These results challenge assumptions regarding the spatial scale and presumed predictors of marine population connectivity. We conclude that if marine reserve networks aim to connect whole communities of fishes and conserve biodiversity broadly, then reserves that are close in space (<10 km) will accommodate those members of the community that are short-distance dispersers.We thank Diana Acosta, Alben David, Kevin David, Alissa Rickborn, and Derek Scolaro for assistance with field work; Eliana Bondra for assistance with molecular work; and Peter Carlson for assistance with otolith work. We are grateful to Noel Anderson, David Lindo, Claire Paris, Robert Warner, Colleen Webb, and two anonymous reviewers for comments on this manuscript. This work was supported by National Science Foundation (NSF) Grant OCE-1260424, and C.C.D. was supported by NSF Graduate Research Fellowship DGE-1247312. All work was approved by Belize Fisheries and Boston University Institutional Animal Care and Use Committee. (OCE-1260424 - National Science Foundation (NSF); DGE-1247312 - NSF Graduate Research Fellowship)Published versio

The Reddest DR3 SDSS/XMM Quasars

We have cross-correlated the SDSS DR3 Schneider et al. (2005) quasar catalog with the XMM-Newton archive. Color and redshift selections (g - r > 0.5 and 0.9 z < 2.1) result in a sample of 17 red, moderate redshift quasars. The redshift selection minimizes possible contamination due to host galaxy emission and Lyalpha forest absorption. Both optical and X-ray information are required to distinguish between the two likely remaining causes of the red colors: 1) dust-reddening and 2) an intrinsically red continuum. We find that 7 of 17 quasars can be classified as probable `intrinsically red' objects. These 7 quasars have unusually broad MgII emission lines (=10,500 km s^{-1}), moderately flat, but unabsorbed X-ray spectra =1.66+/-0.08), and low accretion rates (mdot/mdot_{Edd}} ~ 0.01). We suggest low accretion rates as a possible physical explanation for quasars with intrinsically red optical continua. We find that 8 of 17 quasars can be classified as dust-reddened. Three of these have upper-limits on the absorption column from X-ray spectral fits of N_H = 3-13 x 10^{22} cm^2, while the other five quasars must be absorbed by at least N_H = 10^{23} cm^2 in order to be consistent with a comparably selected alpha_{ox}-l_{uv} distribution. Two objects in the sample are unclassified.Comment: 20 pages, 12 figures, Accepted for publication in Ap