The Pricing Effects of European Union Insurance

Shifting from a government-controlled system ofmotor insurance regulation to a marketbased system has caused unexpected outcomes in Italy. Although there is more competition since deregulation occurred twelve years ago, the government has had mixed results attempting to continue to control the market. This paper will examine how pricing deregulation on the European Union level has caused significant changes in the Italian market. Furthermore, it will seek to develop a national solution for regulation ofauto insurance pricing within the United States using Italian experience. Regulation in the insurance industry in the United States has been a subject ofdebate for quite some time, and although there has been consensus among researchers on the need to change current regulations, agreement on changes to make has not been quite as simple. The recommendationofthisstudyisto implementasystem offederal supervision in pricing regulation, while allowing states to conduct day-to-day oversight

Convective injection and photochemical decay of peroxides in the tropical upper troposphere: Methyl iodide as a tracer of marine convection

The convective injection and subsequent fate of the peroxides H2O2 and CH3OOH in the upper troposphere is investigated using aircraft observations from the NASA Pacific Exploratory Mission-Tropics A (PEM-Tropics A) over the South Pacific up to 12 km altitude. Fresh convective outflow is identified by high CH3I concentrations; CH3I is an excellent tracer of marine convection because of its relatively uniform marine boundary layer concentration, relatively well-defined atmospheric lifetime against photolysis, and high sensitivity of measurement. We find that mixing ratios of CH3OOH in convective outflow at 8-12 km altitude are enhanced on average by a factor of 6 relative to background, while mixing ratios of H2O2 are enhanced by less than a factor of 2. The scavenging efficiency of H2O2 in the precipitation associated with deep convection is estimated to be 55-70%. Scavenging of CH3OOH is negligible. Photolysis of convected peroxides is a major source of the HOx radical family (OH + peroxy radicals) in convective outflow. The timescale for decay of the convective enhancement of peroxides in the upper troposphere is determined using CH3I as a chemical clock and is interpreted using photochemical model calculations. Decline of CH3OOH takes place on a timescale of a 1-2 days, but the resulting HOx converts to H2O2, so H2O2 mixing ratios show no decline for ∼5 days following a convective event. The perturbation to HOx at 8-12 km altitude from deep convective injection of peroxides decays on a timescale of 2-3 days for the PEM-Tropics A conditions. Copyright 1999 by the American Geophysical Union

Distribution of hydrogen peroxide and methylhydroperoxide over the Pacific and South Atlantic Oceans

The gas phase hydrogen peroxide and methylhydroperoxide concentrations were measured in the troposphere over the tropical Pacific Ocean as a component of NASA's Global Tropospheric Experiment/Pacific Exploratory Mission-Tropics A field campaign. Flights on two aircraft covered the Pacific from 70°S to 60°N and 110°E to 80°W and South Atlantic from 40°S to 15°N and 45°W to 70°E, and extending from 76 to 13,000 m altitude. H2O2 and CH3OOH have the highest concentrations at a given altitude at the equator and decrease with increasing latitude in both the northern and southern hemispheres. Above 4 km the gradient is substantially reduced for both H2O2 and CH3OOH with latitude, and at altitudes in excess of 8 km there is no latitudinal dependence. H2O2 and CH3OOH exhibit maximum mixing ratios between 1 and 2 km at all latitudes. The mean mixing ratio of H2O2 at the equator was 1600 ± 600 parts per trillion by volume (pptv) decreasing to 500 ± 250 pptv at latitudes greater than 55° north and south between 1 and 2 km altitude. CH3OOH at the equator was 1400 ± 250 pptv, decreasing to 330 ± 200 pptv at high latitudes at altitudes between 1 and 2 km. The concentration of peroxides at high latitudes in the northern hemisphere was generally a factor of 2 higher than at corresponding latitudes in the southern hemisphere. The ratio of H2O2 to CH3OOH was between 1 and 2 from 45°S to 35°N at altitudes below 4 km. Between 5° to 15°N the ratio is less than 1, due to preferential removal of H2O2 in the Intertropical Convergence Zone. Copyright 1999 by the American Geophysical Union

Chemical signatures of aged Pacific marine air: Mixed layer and free troposphere as measured during PEM-West A

The Pacific Ocean is one of the few remaining regions of the northern hemisphere that is relatively free of direct anthropogenic emissions. However, long-range transport of air pollutants is beginning to have a significant impact on the atmosphere over the Pacific. In September and October 1991, NASA conducted the Pacific Exploratory Mission-West A expedition to study the atmospheric chemistry and background budgets of key atmospheric trace species. Aircraft sampling centered on the northern Pacific, 0° to 40°N and 115° to 180°E. The paper summarizes the chemical signature of relatively well-aged Pacific marine air (residence time ≥10 days over the ocean). The chemical signatures show that marine air is not always devoid of continental influences. Aged marine air which circulates around the semipermanent subtropical anticyclone located off the Asian continent is influenced by infusion of continental air with anthropogenic emissions. The infusion occurs as the result of Asian outflow swept off the continent behind eastward moving cold fronts. When compared to aged marine air with a more southerly pathway, this infusion results in enhancements in the mixing ratio of many anthropogenic/continental species and typically those with lifetimes of weeks in the free troposphere. Less enhancement is seen for the short-lived species with lifetimes of a few days as infused continental emissions are depleted during transport (about a week) around the semipermanent subtropical high. Copyright 1996 by the American Geophysical Union

Breaking of valley degeneracy by magnetic field in monolayer MoSe2

Using polarization-resolved photoluminescence spectroscopy, we investigate valley degeneracy breaking by out-of-plane magnetic field in back-gated monolayer MoSe$_2$ devices. We observe a linear splitting of $-0.22 \frac{\text{meV}}{\text{T}}$ between luminescence peak energies in $\sigma_{+}$ and $\sigma_{-}$ emission for both neutral and charged excitons. The optical selection rules of monolayer MoSe$_2$ couple photon handedness to the exciton valley degree of freedom, so this splitting demonstrates valley degeneracy breaking. In addition, we find that the luminescence handedness can be controlled with magnetic field, to a degree that depends on the back-gate voltage. An applied magnetic field therefore provides effective strategies for control over the valley degree of freedom.Comment: expanded discussion section, corrected typo in eq.

Trace chemical measurements from the northern midlatitude lowermost stratosphere in early spring: Distributions, correlations, and fate

In situ measurements of a large number of trace chemicals from the midlatitude (37-57°N) lower stratosphere were performed with the NASA DC-8 aircraft during March 1994. Deepest penetrations into the stratosphere (550 ppb O3, 279 ppb N2O, and 350 K potential temperature) corresponded to a region that has been defined as the "lowermost stratosphere" (LS) by Holton et al [1995]. Analysis of data shows that the mixing ratios of long-lived tracer species (e. g. CH4, HNO3, NOy, CFCs) are linearly correlated with those of O3 and N2O. A ΔNOy/ΔO3 of 0.0054 ppb/ppb and ΔNOy/ΔN2O of -0.081 ppb/ppb is in good agreement with other reported measurements from the DC-8. These slopes are however, somewhat steeper than those reported from the ER-2 airborne studies. We find that the reactive nitrogen budget in the LS is largely balanced with HNO3 accounting for 80% of NOy, and PAN and NOx together accounting for 5%. A number of oxygenated species (e. g. acetone, H2O2) were present and may provide an important in situ source of HOx in the LS. SO2 mixing ratios were found to increase in the stratosphere at a rate that was comparable to the decline in OCS levels. No evidence of particle formation could be observed. Ethane, propane, and acetylene mixing ratios declined rapidly in the LS with Cl atoms likely playing a key role in this process. A number of reactive hydrocarbons/halocarbons (e. g. C6H6, CH3I) were present at low but measurable concentrations

The Kelvin Formula for Thermopower

Thermoelectrics are important in physics, engineering, and material science due to their useful applications and inherent theoretical difficulty, especially in strongly correlated materials. Here we reexamine the framework for calculating the thermopower, inspired by ideas of Lord Kelvin from 1854. We find an approximate but concise expression, which we term as the Kelvin formula for the the Seebeck coefficient. According to this formula, the Seebeck coefficient is given as the particle number $N$ derivative of the entropy $\Sigma$, at constant volume $V$ and temperature $T$, $S_{\text{Kelvin}}=\frac{1}{q_e}\{\frac{\partial {\Sigma}}{\partial N} \}_{V,T}$. This formula is shown to be competitive compared to other approximations in various contexts including strongly correlated systems. We finally connect to a recent thermopower calculation for non-Abelian fractional quantum Hall states, where we point out that the Kelvin formula is exact.Comment: 6 pages, 2 figure

Chemical characteristics of air from different source regions during the second Pacific Exploratory Mission in the Tropics (PEM-Tropics B)

Ten-day backward trajectories are used to determine the origins of air parcels arriving at locations of airborne DC-8 chemical measurements during NASA's second Pacific Exploratory Mission in the Tropics B that was conducted during February-April 1999. Chemical data at sites where the trajectories had a common geographical origin and transport history are grouped together, and statistical measures of chemical characteristics are computed. Temporal changes in potential temperature are used to determine whether trajectories experienced a significant convective influence during the 10-day period. Trajectories describing the aged marine Southern Hemispheric category remain over the South Pacific Ocean during the 10-day period, and their corresponding chemical signature indicates very clean air. The category aged marine air in the Northern Hemisphere is found to be somewhat dirtier. Subdividing its trajectories based on the direction from which the air had traveled is found to be important in explaining the various chemical signatures. Similarly, long-range northern hemispheric trajectories passing over Asia are subdivided depending on whether they had followed a mostly zonal path, had originated near the Indian Ocean, or had originated near Central or South America and subsequently experienced a stratospheric influence. Results show that the chemical signatures of these subcategories are different from each other. The chemical signature of the southern hemispheric long-range transport category apparently exhibits the effects of pollution from Australia, southern Africa, and South America. Parcels originating over Central and northern South America are found to contain the strongest pollution signature of all categories, due to biomass burning and other sources. The convective category exhibits enhanced values of nitrogen species, probably due to emissions from lightning associated with the convection. Values of various species, including peroxides and acids, confirm that parcels were influenced by the removal of soluble gas and particle species due to precipitation. Finally, current results are compared with those from the first PEM-Tropics mission that was conducted in the same region during the southern hemispheric dry season (August-October 1996) when extensive biomass burning occurred. Results show that air samples during PEM-Tropics B are considerably cleaner than those of its dry season counterpart. Copyright 2001 by the American Geophysical Union