WEATHER-BASED ADVERSE SELECTION AND THE U.S. CROP INSURANCE PROGRAM: THE PRIVATE INSURANCE COMPANY PERSPECTIVE

Surprisingly, investigations of adverse selection have focused only on farmers. Conversely, this article investigates if insurance companies, not farmers, can generate excess rents from adverse selection activities. Currently political forces fashioning crop insurance as the cornerstone of U.S. agricultural policy make our analysis particularly topical. Focusing on El Nino/La Nina and winter wheat in Texas, we simulate out-of-sample reinsurance decisions during the 1978 through 1997 crop years while reflecting the realities imposed by the risk-sharing arrangement between the insurance companies and the federal government. The simulations indicate that economically and statistically significant excess rents may be garnered by insurance companies through weather-based adverse selection.Risk and Uncertainty,

Practical Interventions for Groupwork Leader Training in Master’s Counseling Programs

Groupwork in counseling has been utilized to promote client wellness, but little attention has been paid to the development and standardization of group leadership skills training in counselor education. This paper highlights this gap and offers practical, evidence-based solutions to help counselor educators train effective group leaders at the master’s level. The authors developed skill-building solutions using the core competencies for group leadership training in the Professional Standards for the Training of Group Workers (2000) by the Association for Specialists in Group Work (ASGW)

Health sciences librarians in academic libraries: a brief review of their developing role

Information relating to health has been gathered since ancient times. Physicians often gathered their own books which were sometimes donated to create early medical libraries. The explosion of information, the demands of qualification accrediting bodies and technological developments have also helped to promote the work of health libraries. The professionalisation of health occupations has tended to move their library support from hospitals into academic settings. Librarians are increasingly concerned with promoting their services and teaching patrons to use library resources. While some health sciences librarians see the availability of health information on the internet as a threat, to those that can see ways to exploit it, it may serve to enhance their role

Good images, effective messages? Working with students and educators on academic practice understanding

Work at Northumbria University has focussed on activity that extends opportunities for students to engage directly with the skills development necessary for sound academic practice. This has included highly visual campaigns on the "Plagiarism trap", providing access to Turnitin plagiarism detection software, guides and sessions to highlight use of associated referencing tools. Sessions on a variety of topics, such as supporting study skills and reading originality reports, have been provided for students on taught, undergraduate and postgraduate programmes. This provision has included students working on collaborative partners' sites and also those on research programmes. Alongside the activities with students, "designing out" approaches have been embedded in staff development within the educator community at Northumbria. Formative use of Turnitin is integrated throughout programmes and academic practice development is formally recognised within the University Learning and Teaching Strategy's focus on information literacy. This article outlines and reviews these activities in a critical institutional context and evaluates responses from a variety of students and educators to determine how effective these measures have been

Acoustic detection and quantification of benthic egg beds of the squid Loligo opalescens in Monterey Bay, California

Author Posting. © Acoustical Society of America, 2006. This article is posted here by permission of Acoustical Society of America for personal use, not for redistribution. The definitive version was published in Journal of the Acoustical Society of America 119 (2006): 844-856, doi:10.1121/1.2149840.The squid Loligo opalescens is a key species in the nearshore pelagic community of California, supporting the most valuable state marine fishery, yet the stock biomass is unknown. In southern Monterey Bay, extensive beds occur on a flat, sandy bottom, water depths 20–60 m, thus sidescan sonar is a prima-facie candidate for use in rapid, synoptic, and noninvasive surveying. The present study describes development of an acoustic method to detect, identify, and quantify squid egg beds by means of high-frequency sidescan-sonar imagery. Verification of the method has been undertaken with a video camera carried on a remotely operated vehicle. It has been established that sidescan sonar images can be used to predict the presence or absence of squid egg beds. The lower size limit of detectability of an isolated egg bed is about 0.5 m with a 400-kHz sidescan sonar used with a 50-m range when towed at 3 knots. It is possible to estimate the abundance of eggs in a region of interest by computing the cumulative area covered by the egg beds according to the sidescan sonar image. In a selected quadrat one arc second on each side, the estimated number of eggs was 36.5 million.funding from the National Sea Grant, Essential Fish Habitat Program, Sea Grant Project No. NA16RG2273

Arizona\u27s Vulnerable Populations

Arizona’s vulnerable populations are struggling on a daily basis but usually do so in silence, undetected by traditional radar and rankings, often unaware themselves of their high risk for being pushed or pulled into a full crisis. Ineligible for financial assistance under strict eligibility guidelines, they don’t qualify as poor because vulnerable populations are not yet in full crisis. To be clear, this report is not about the “poor,” at least not in the limited sense of the word. It is about our underemployed wage earners, our single-parent households, our deployed or returning military members, our under-educated and unskilled workforce, our debt-ridden neighbors, our uninsured friends, our family members with no savings for an emergency, much less retirement

WEATHER-BASED ADVERSE SELECTION AND THE U.S. CROP INSURANCE PROGRAM: THE PRIVATE INSURANCE COMPANY PERSPECTIVE

Surprisingly, investigations of adverse selection have focused only on farmers. Conversely, this article investigates if insurance companies, not farmers, can generate excess rents from adverse selection activities. Currently political forces fashioning crop insurance as the cornerstone of U.S. agricultural policy make our analysis particularly topical. Focusing on El Nino/La Nina and winter wheat in Texas, we simulate out-of-sample reinsurance decisions during the 1978 through 1997 crop years while reflecting the realities imposed by the risk-sharing arrangement between the insurance companies and the federal government. The simulations indicate that economically and statistically significant excess rents may be garnered by insurance companies through weather-based adverse selection