Willingness to pay for insurance in Denmark

We estimate how much Danish households are willing to pay for auto, home, and house insurance. We use a unique combination of claims data from a large Danish insurance company, measures of individual risk attitudes and discount rates from a field experiment with a representative sample of the adult Danish population, and information on household income and wealth from registers at Statistics Denmark. The results show that the willingness to pay is marginally higher than the actuarially fair value under expected utility theory, but significantly higher under rank-dependent utility theory, and up to 600 percent higher than the actuarially fair value

Resonant Absorption as Mode Conversion?

Resonant absorption and mode conversion are both extensively studied mechanisms for wave "absorption" in solar magnetohydrodynamics (MHD). But are they really distinct? We re-examine a well-known simple resonant absorption model in a cold MHD plasma that places the resonance inside an evanescent region. The normal mode solutions display the standard singular resonant features. However, these same normal modes may be used to construct a ray bundle which very clearly undergoes mode conversion to an Alfv\'en wave with no singularities. We therefore conclude that resonant absorption and mode conversion are in fact the same thing, at least for this model problem. The prime distinguishing characteristic that determines which of the two descriptions is most natural in a given circumstance is whether the converted wave can provide a net escape of energy from the conversion/absorption region of physical space. If it cannot, it is forced to run away in wavenumber space instead, thereby generating the arbitrarily small scales in situ that we recognize as fundamental to resonant absorption and phase mixing. On the other hand, if the converted wave takes net energy way, singularities do not develop, though phase mixing may still develop with distance as the wave recedes.Comment: 23 pages, 8 figures, 2 tables; accepted by Solar Phys (July 9 2010

Alfv\'en Reflection and Reverberation in the Solar Atmosphere

Magneto-atmospheres with Alfv\'en speed [a] that increases monotonically with height are often used to model the solar atmosphere, at least out to several solar radii. A common example involves uniform vertical or inclined magnetic field in an isothermal atmosphere, for which the Alfv\'en speed is exponential. We address the issue of internal reflection in such atmospheres, both for time-harmonic and for transient waves. It is found that a mathematical boundary condition may be devised that corresponds to perfect absorption at infinity, and, using this, that many atmospheres where a(x) is analytic and unbounded present no internal reflection of harmonic Alfv\'en waves. However, except for certain special cases, such solutions are accompanied by a wake, which may be thought of as a kind of reflection. For the initial-value problem where a harmonic source is suddenly switched on (and optionally off), there is also an associated transient that normally decays with time as O(t-1) or O(t-1 ln t), depending on the phase of the driver. Unlike the steady-state harmonic solutions, the transient does reflect weakly. Alfv\'en waves in the solar corona driven by a finite-duration train of p-modes are expected to leave such transients.Comment: Accepted by Solar Physic

The extended empirical process test for non-Gaussianity in the CMB, with an application to non-Gaussian inflationary models

In (Hansen et al. 2002) we presented a new approach for measuring non-Gaussianity of the Cosmic Microwave Background (CMB) anisotropy pattern, based on the multivariate empirical distribution function of the spherical harmonics a_lm of a CMB map. The present paper builds upon the same ideas and proposes several improvements and extensions. More precisely, we exploit the additional information on the random phases of the a_lm to provide further tests based on the empirical distribution function. Also we take advantage of the effect of rotations in improving the power of our procedures. The suggested tests are implemented on physically motivated models of non-Gaussian fields; Monte-Carlo simulations suggest that this approach may be very promising in the analysis of non-Gaussianity generated by non-standard models of inflation. We address also some experimentally meaningful situations, such as the presence of instrumental noise and a galactic cut in the map.Comment: 15 pages, 6 figures, submitted to Phys. Rev.

Towards a Simple Model of Compressible Alfvenic Turbulence

A simple model collisionless, dissipative, compressible MHD (Alfvenic) turbulence in a magnetized system is investigated. In contrast to more familiar paradigms of turbulence, dissipation arises from Landau damping, enters via nonlinearity, and is distributed over all scales. The theory predicts that two different regimes or phases of turbulence are possible, depending on the ratio of steepening to damping coefficient (m_1/m_2). For strong damping (|m_1/m_2|<1), a regime of smooth, hydrodynamic turbulence is predicted. For |m_1/m_2|>1, steady state turbulence does not exist in the hydrodynamic limit. Rather, spikey, small scale structure is predicted.Comment: 6 pages, one figure, REVTeX; this version to be published in PRE. For related papers, see http://sdphpd.ucsd.edu/~medvedev/papers.htm

Testing for non-Gaussianity of the cosmic microwave background in harmonic space: an empirical process approach

We present a new, model-independent approach for measuring non-Gaussianity of the Cosmic Microwave Background (CMB) anisotropy pattern. Our approach is based on the empirical distribution function of the normalized spherical harmonic expansion coefficients a_lm of a nearly full-sky CMB map, like the ones expected from forthcoming satellite experiments. Using a set of Kolmogorov-Smirnov type tests, we check for Gaussianity and independency of the a_lm. We test the method on two non-Gaussian toy-models of the CMB, one generated in spherical harmonic space and one in pixel (real) space. We also provide some rigorous results, possibly of independent interest, on the exact distribution of the spherical harmonic coefficients normalized by an estimated angular power spectrum.Comment: 29 pages, 7 figures, submitted to Phys. Rev.

Dynamic nuclear polarization and spin-diffusion in non-conducting solids

There has been much renewed interest in dynamic nuclear polarization (DNP), particularly in the context of solid state biomolecular NMR and more recently dissolution DNP techniques for liquids. This paper reviews the role of spin diffusion in polarizing nuclear spins and discusses the role of the spin diffusion barrier, before going on to discuss some recent results.Comment: submitted to Applied Magnetic Resonance. The article should appear in a special issue that is being published in connection with the DNP Symposium help in Nottingham in August 200

PLZF targets developmental enhancers for activation during osteogenic differentiation of human mesenchymal stem cells

The PLZF transcription factor is essential for osteogenic differentiation of hMSCs; however, its regulation and molecular function during this process is not fully understood. Here, we revealed that the ZBTB16 locus encoding PLZF, is repressed by Polycomb (PcG) and H3K27me3 in naive hMSCs. At the pre-osteoblast stage of differentiation, the locus lost PcG binding and H3K27me3, gained JMJD3 recruitment, and H3K27ac resulting in high expression of PLZF. Subsequently, PLZF was recruited to osteogenic enhancers, influencing H3K27 acetylation and expression of nearby genes important for osteogenic function. Furthermore, we identified a latent enhancer within the ZBTB16/PLZF locus itself that became active, gained PLZF, p300 and Mediator binding and looped to the promoter of the nicotinamide N-methyltransferase (NNMT) gene. The increased expression of NNMT correlated with a decline in SAM levels, which is dependent on PLZF and is required for osteogenic differentiatio

Proton-proton scattering above 3 GeV/c

A large set of data on proton-proton differential cross sections, analyzing powers and the double polarization parameter A_NN is analyzed employing the Regge formalism. We find that the data available at proton beam momenta from 3 GeV/c to 50 GeV/c exhibit features that are very well in line with the general characteristics of Regge phenomenology and can be described with a model that includes the rho, omega, f_2, and a_2 trajectories and single Pomeron exchange. Additional data, specifically for spin-dependent observables at forward angles, would be very helpful for testing and refining our Regge model.Comment: 16 pages, 19 figures; revised version accepted for publication in EPJ