Development of model for insurance risk management and its application to insurance companies operating in the Serbian market

The literature on the topic of risk management in insurance generally separately treat insurance risk and insurance company risk, however such a separate treatment of risk excludes a third type of risk which is defined here, that is the risk of incorrectly calculating insurance risk, which causes uncertainties and disruptions in the operations of an insurance company and its concept of risk management arising from its activities. This paper presents a Model developed for insurance risk management and its attempt to assess the calculation of insurance risk. Also, the Model has been applied to the 2005 to 2010 results of five insurance companies in the Serbian market.Risk; Insurance; Management

Development and validation of the ACE tool: Assessing medical trainees' competency in evidence based medicine

BACKGROUND: While a variety of instruments have been developed to assess knowledge and skills in evidence based medicine (EBM), few assess all aspects of EBM - including knowledge, skills attitudes and behaviour - or have been psychometrically evaluated. The aim of this study was to develop and validate an instrument that evaluates medical trainees’ competency in EBM across knowledge, skills and attitude. METHODS: The ‘Assessing Competency in EBM’ (ACE) tool was developed by the authors, with content and face validity assessed by expert opinion. A cross-sectional sample of 342 medical trainees representing ‘novice’, ‘intermediate’ and ‘advanced’ EBM trainees were recruited to complete the ACE tool. Construct validity, item difficulty, internal reliability and item discrimination were analysed. RESULTS: We recruited 98 EBM-novice, 108 EBM-intermediate and 136 EBM-advanced participants. A statistically significant difference in the total ACE score was observed and corresponded to the level of training: on a 0-15-point test, the mean ACE scores were 8.6 for EBM-novice; 9.5 for EBM-intermediate; and 10.4 for EBM-advanced (p < 0.0001). Individual item discrimination was excellent (Item Discrimination Index ranging from 0.37 to 0.84), with internal reliability consistent across all but three items (Item Total Correlations were all positive ranging from 0.14 to 0.20). CONCLUSION: The 15-item ACE tool is a reliable and valid instrument to assess medical trainees’ competency in EBM. The ACE tool provides a novel assessment that measures user performance across the four main steps of EBM. To provide a complete suite of instruments to assess EBM competency across various patient scenarios, future refinement of the ACE instrument should include further scenarios across harm, diagnosis and prognosis

The flux ratio of the [OIII] 5007,4959 lines in AGN: Comparison with theoretical calculations

By taking into account relativistic corrections to the magnetic dipole operator, the theoretical [OIII] 5006.843/4958.511 line intensity ratio of 2.98 is obtained. In order to check this new value using AGN spectra we present the measurements of the flux ratio of the [OIII] 4959,5007 emission lines for a sample of 62 AGN, obtained from the Sloan Digital Sky Survey (SDSS) Database and from published observations. We select only high signal-to-noise ratio spectra for which the line shapes of the [OIII] 4959,5007 lines are the same. We obtained an averaged flux ratio of 2.993 +/- 0.014, which is in a good agreement with the theoretical one.Comment: Accepted for publication in the MNRA

A multicarrier amplifier design linearized trough second harmonics and second-order IM feedback

A novel linearisation technique for reduction in the first and second kind of the third-order intermodulation products was applied in this paper. The second harmonics and second-order intermodulation products are led from the output to the input of a power amplifier through a feedback loop. The power amplifier including the feedback loop components (bandpass filter, phase shifter and attenuator) was designed as a hybrid microwave integrated circuit by using program ADS. The phase and amplitude of the loop signals are the adjustable parameters. Therefore, a voltage that controls a phase shift of the phase shifter and a control current of a PIN diode in the attenuator circuit were optimised to obtain a reduction in the third-order intermodulation distortion. For three fundamental signals at the power amplifier input, the lowest improvement of 13 dB for the first and 18 dB for the second kind of the third order intermodulation product levels was achieved

Miniaturized Quadrature Hybrid Couplers based on Novel U-shaped Transmission Lines

In this paper, a miniaturized microstrip quadrature hybrid coupler (QHC) using U-shaped transmission lines (USTLs) is presented. The proposed approach replaces all arms of the conventional QHC with its equivalent USTL to achieve compactness. The proposed coupler structure is designed to operate in the 1.5 GHz (1427-1518 [MHz]) band which is one of the 5G bands of interest. At such low RF/microwave bands below 3-4 GHz, the size of the conventional coupler is considerably very large which raises a concern for the next generation networks. The pro- posed coupler is designed, simulated and fabricated using Rogers 5880 with thickness of 0.79 mm, dielectric con- stant (εr) of 2.2 and loss tangent of 0.0021. The proposed QHC size is 70% smaller in circuit area (30% relative area) than the conventional equivalent. Simulation and mea- sured results are presented and good matching between the results is observed, confirming the outstanding coupler performance properties. The proposed miniaturized QHC structure will play a vital role for next generation 4G and 5G wireless communication systems operating below 6 GHz