155 research outputs found
Applications of Clustering with Mixed Type Data in Life Insurance
Death benefits are generally the largest cash flow item that affects
financial statements of life insurers where some still do not have a systematic
process to track and monitor death claims experience. In this article, we
explore data clustering to examine and understand how actual death claims
differ from expected, an early stage of developing a monitoring system crucial
for risk management. We extend the -prototypes clustering algorithm to draw
inference from a life insurance dataset using only the insured's
characteristics and policy information without regard to known mortality. This
clustering has the feature to efficiently handle categorical, numerical, and
spatial attributes. Using gap statistics, the optimal clusters obtained from
the algorithm are then used to compare actual to expected death claims
experience of the life insurance portfolio. Our empirical data contains
observations, during 2014, of approximately 1.14 million policies with a total
insured amount of over 650 billion dollars. For this portfolio, the algorithm
produced three natural clusters, with each cluster having a lower actual to
expected death claims but with differing variability. The analytical results
provide management a process to identify policyholders' attributes that
dominate significant mortality deviations, and thereby enhance decision making
for taking necessary actions.Comment: 25 pages, 6 figures, 5 table
Integration of sequence-similarity and functional association information can overcome intrinsic problems in orthology mapping across bacterial genomes
Existing methods for orthologous gene mapping suffer from two general problems: (i) they are computationally too slow and their results are difficult to interpret for automated large-scale applications when based on phylogenetic analyses; or (ii) they are too prone to making mistakes in dealing with complex situations involving horizontal gene transfers and gene fusion due to the lack of a sound basis when based on sequence similarity information. We present a novel algorithm, Global Optimization Strategy (GOST), for orthologous gene mapping through combining sequence similarity and contextual (working partners) information, using a combinatorial optimization framework. Genome-scale applications of GOST show substantial improvements over the predictions by three popular sequence similarity-based orthology mapping programs. Our analysis indicates that our algorithm overcomes the intrinsic issues faced by sequence similarity-based methods, when orthology mapping involves gene fusions and horizontal gene transfers. Our program runs as efficiently as the most efficient sequence similarity-based algorithm in the public domain. GOST is freely downloadable at http://csbl.bmb.uga.edu/~maqin/GOST
Dietary Modulation of Gut Microbiota Contributes to Alleviation of Both Genetic and Simple Obesity in Children
Gut microbiota has been implicated as a pivotal contributing factor in diet-related obesity; however, its role in development of disease phenotypes in human genetic obesity such as Prader–Willi syndrome (PWS) remains elusive. In this hospitalized intervention trial with PWS (n = 17) and simple obesity (n = 21) children, a diet rich in non-digestible carbohydrates induced significant weight loss and concomitant structural changes of the gut microbiota together with reduction of serum antigen load and alleviation of inflammation. Co-abundance network analysis of 161 prevalent bacterial draft genomes assembled directly from metagenomic datasets showed relative increase of functional genome groups for acetate production from carbohydrates fermentation. NMR-based metabolomic profiling of urine showed diet-induced overall changes of host metabotypes and identified significantly reduced trimethylamine N-oxide and indoxyl sulfate, host-bacteria co-metabolites known to induce metabolic deteriorations. Specific bacterial genomes that were correlated with urine levels of these detrimental co-metabolites were found to encode enzyme genes for production of their precursors by fermentation of choline or tryptophan in the gut. When transplanted into germ-free mice, the pre-intervention gut microbiota induced higher inflammation and larger adipocytes compared with the post-intervention microbiota from the same volunteer. Our multi-omics-based systems analysis indicates a significant etiological contribution of dysbiotic gut microbiota to both genetic and simple obesity in children, implicating a potentially effective target for alleviation
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