The accident insurance as a promising direction for insurance in Russia

Статья посвящена анализу состояния рынка услуг страхования от несчастных случаев. Актуальность исследования определяется тем, что страхование является неотъемлемым атрибутом цивилизованного общества, позволяющим сохранить обеспеченность доходами при неблагоприятных ситуациях. По статистике в России уровень травматизма и непредвиденных обстоятельств весьма велик. Люди традиционно уделяют мало внимания формированию резервов на случай временной или постоянной нетрудоспособности. Цель работы: рассмотреть систему страхования от несчастных случаев. Методы исследования: метод сопоставления, необходимый для выявления главных тенденций на рынке страховых услуг; аналитический метод, позволяющий понять, какие проблемы характерны для этого вида страхования; статистический метод, выявляющий масштабы страхования от несчастных случаев. Результаты: раскрывается сущность и виды страхования от несчастных случаев.The article is devoted to analysis of service market of accident insurance. The relevant of the study is determined by the fact that insurance is an integral attribute of a civilized society that allows you to save security income in adverse situations. According to statistics, in Russia the level of injury and unforeseen circumstances is very great. People traditionally pay little attention to formation of reserves in case of temporary or permanent incapacity for work. The main aim of the study is to consider the system of the accident insurance. Methods: the matching method required to identify the main trends in the insurance market; the analytical technique which allows understanding the typical problems for this type of insurance; the statistical method allows us to identify the extent of accident insurance. Results. The paper reveals the essence and types of accident insurance and considers the model events when the insurance company indemnifies for the damage. The causes of the demand for this type of insurance in Russia are identified. Based on the statistical data the author has determined the proportion of the accident insured people

A new model linking atmospheric methane sources to Pleistocene glaciation via methanogenesis in sedimentary basins

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Formation of carbonate concretions in surface sediments of two mud mounds offshore Costa Rica: A stable isotope study

The surface sediments of two mud mounds (‘‘Mound 11’’ and ‘‘Mound 12’’) offshore southwest Costa Rica contain abundant authigenic carbonate concretions dominated by high-Mg calcite (14–20 mol-% MgCO3). Pore fluid geochemical profiles (sulfate, sulfide, methane, alkalinity, Ca and Mg) indicate recent carbonate precipitation within the zone of anaerobic oxidation of methane (AOM) at variable depths. The current location of the authigenic carbonate concretions is, however, not related to the present location of the AOM zone, suggesting mineral precipitation under past geochemical conditions as well as changes in the flow rates of upward migrating fluids. Stable oxygen and carbon isotope analysis of authigenic carbonate concretions yielded d18Ocarbonate values ranging between 34.0 and 37.7 % Vienna standard mean ocean water (VSMOW) and d13Ccarbonate values from -52.2 to -14.2 % Vienna Pee Dee belemnite (VPDB). Assuming that no temperature changes occurred during mineral formation, the authigenic carbonate concretions have been formed at in situ temperature of 4–5 °C. The d18Ocarbonate values suggest mineral formation from seawater-derived pore fluid (d18Oporefluid = 0 % VSMOW) for Mound 12 carbonate concretions but also the presence of an emanating diagenetic fluid (d18Oporefluid &5 %) in Mound 11. A positive correlation between d13Ccarbonate and d18Ocarbonate is observed, indicating the admixing of two different sources of dissolved carbon and oxygen in the sediments of the two mounds. The carbon of these sources are (1) marine bicarbonate (d13Cporefluid &0 %) and (2) bicarbonate which formed during the AOM (d13Cporefluid &-70 %). Furthermore, the d18Oporefluid composition, with values up to ?4.7 % Vienna standard mean ocean water (VSMOW), is interpreted to be affected by the presence of emanating, freshened and boronenriched fluids. Earlier, it has been shown that the origin of 18O-enriched fluids are deep diagenetic processes as it was indicated by the presence of methane with thermogenic signature (d13CCH4 = -38 %). A combination of present geochemical data with geophysical observations indicates that Mounds 11 and 12 represent a single fluid system interconnected by deep-seated fault(s)