The Effectiveness of Insurance Fraud Statutues: Evidence from Automobile Insurance

Insurance fraud, which adds an estimated $85 billion per year to the total insurance bill in the U.S., is an extremely serious problem for consumers, regulators, and insurance companies. This paper analyzes the effects of state legislation and market conditions on automobile insurance fraud from 1988 to 1999, a period representing a substantial increase in the enactment of antifraud legislation. Our empirical results show that the laws have mixed effects; two laws have no statistically significant effect on fraud. The strongest evidence of fraud mitigation effects are associated with mandatory Special Investigation Units, classification of insurance fraud as a felony, and mandatory reporting of professionals to licensing authorities. However, laws requiring insurers to report potentially fraudulent claims to law enforcement authorities increase fraud, which may reflect some substitution from more efficacious private efforts to less productive state activity. Many underlying characteristics of the market also affect fraud.Insurance Fraud, Automobile Insurance, Moral Hazard

A framework for mapping cultural resources in landscape conservation planning

Abstract Cultural resources can be an important means of connecting people to conservation efforts. Currently, it is difficult to identify and map these tangible and intangible aspects of the landscape. We propose a framework to include cultural resources in spatial conservation planning that acknowledges the different scales of importance and management of sites. Through categorizing and mapping sites of national, state, local, interest group, and community management, cultural resources can be measured and included in existing planning tools. Data on cultural resources are a primary limitation due to availability and fragmentation. Until data sources improve, our framework provides a stopgap that allows for cultural resources to be included in conservation‐planning efforts

How does interpretive tour guiding promote tourists’ pro-environmental behaviour? Evidence from Tanzania

Tour guides play a central role in the implementation of sustainable tourism practices through maximizing tourists’ appreciation and enjoyment of the destination and minimizing their negative impacts. Utilizing Stimulus–Organism–Response framework, this study aims to examine how tour guide performance directly and indirectly predicts tourists’ pro-environmental behaviour. Confirmatory Factor Analysis and Structural Equation Modelling were used to test a pro-environmental behaviour model using a sample of 396 tourists who visited Serengeti, Lake Manyara, Tarangire national parks and Ngorongoro conservation area in northern Tanzania. The results indicated that tour guides positively and significantly influenced tourists’ experience, satisfaction and pro-environmental behaviours. Further, tourists’ experience is found to positively mediate the relation between tour guide and pro-environmental behaviour. The study presents managerial implications, limitations and future research directions in light of the results

Gastrointestinal flora and gastrointestinal status in children with autism – comparisons to typical children and correlation with autism severity

Abstract Background Children with autism have often been reported to have gastrointestinal problems that are more frequent and more severe than in children from the general population. Methods Gastrointestinal flora and gastrointestinal status were assessed from stool samples of 58 children with Autism Spectrum Disorders (ASD) and 39 healthy typical children of similar ages. Stool testing included bacterial and yeast culture tests, lysozyme, lactoferrin, secretory IgA, elastase, digestion markers, short chain fatty acids (SCFA's), pH, and blood presence. Gastrointestinal symptoms were assessed with a modified six-item GI Severity Index (6-GSI) questionnaire, and autistic symptoms were assessed with the Autism Treatment Evaluation Checklist (ATEC). Results Gastrointestinal symptoms (assessed by the 6-GSI) were strongly correlated with the severity of autism (assessed by the ATEC), (r = 0.59, p Children with autism had much lower levels of total short chain fatty acids (-27%, p = 0.00002), including lower levels of acetate, proprionate, and valerate; this difference was greater in the children with autism taking probiotics, but also significant in those not taking probiotics. Children with autism had lower levels of species of Bifidobacter (-43%, p = 0.002) and higher levels of species of Lactobacillus (+100%, p = 0.00002), but similar levels of other bacteria and yeast using standard culture growth-based techniques. Lysozyme was somewhat lower in children with autism (-27%, p = 0.04), possibly associated with probiotic usage. Other markers of digestive function were similar in both groups. Conclusions The strong correlation of gastrointestinal symptoms with autism severity indicates that children with more severe autism are likely to have more severe gastrointestinal symptoms and vice versa. It is possible that autism symptoms are exacerbated or even partially due to the underlying gastrointestinal problems. The low level of SCFA's was partly associated with increased probiotic use, and probably partly due to either lower production (less sacchrolytic fermentation by beneficial bacteria and/or lower intake of soluble fiber) and/or greater absorption into the body (due to longer transit time and/or increased gut permeability).</p

The declining representativeness of the British party system, and why it matters

In a recent article, Michael Laver has explained ‘Why Vote-Seeking Parties May Make Voters Miserable’. His model shows that, while ideological convergence may boost congruence between governments and the median voter, it can reduce congruence between the party system and the electorate as a whole. Specifically, convergence can increase the mean distance between voters and their nearest party. In this article we show that this captures the reality of today’s British party system. Policy scale placements in British Election Studies from 1987 to 2010 confirm that the pronounced convergence during the past decade has left the Conservatives and Labour closer together than would be optimal in terms of minimising the policy distance between the average voter and the nearest major party. We go on to demonstrate that this comes at a cost. Respondents who perceive themselves as further away from one of the major parties in the system tend to score lower on satisfaction with democracy. In short, vote-seeking parties have left the British party system less representative of the ideological diversity in the electorate, and thus made at least some British voters miserable

Development of a Coherent Lidar for Aiding Precision Soft Landing on Planetary Bodies

Coherent lidar can play a critical role in future planetary exploration missions by providing key guidance, navigation, and control (GNC) data necessary for navigating planetary landers to the pre-selected site and achieving autonomous safe soft-landing. Although the landing accuracy has steadily improved over time to approximately 35 km for the recent Mars Exploration Rovers due to better approach navigation, a drastically different guidance, navigation and control concept is required to meet future mission requirements. For example, future rovers will require better than 6 km landing accuracy for Mars and better than 1 km for the Moon plus maneuvering capability to avoid hazardous terrain features. For this purpose, an all-fiber coherent lidar is being developed to address the call for advancement of entry, descent, and landing technologies. This lidar will be capable of providing precision range to the ground and approach velocity data, and in the case of landing on Mars, it will also measure the atmospheric wind and density. The lidar obtains high resolution range information from a frequency modulated-continuous wave (FM-CW) laser beam whose instantaneous frequency varies linearly with time, and the ground vector velocity is directly extracted from the Doppler frequency shift. Utilizing the high concentration of aerosols in the Mars atmosphere (approx. two order of magnitude higher than the Earth), the lidar can measure wind velocity with a few watts of optical power. Operating in 1.57 micron wavelength regime, the lidar can use the differential absorption (DIAL) technique to measure the average CO2 concentration along the laser beam using, that is directly proportional to the Martian atmospheric density. Employing fiber optics components allows for the lidar multi-functional operation while facilitating a highly efficient, compact and reliable design suitable for integration into a spacecraft with limited mass, size, and power resources

Rapid determination of N-Methylpyrrolidine in Cefepime by combining direct infusion electrospray ionisation-time-of-flight mass spectrometry with field asymmetric waveform ion mobility spectrometry

The determination of N-methyl pyrrolidine, a potential impurity in the cephalosporin antibiotic cefepime, by direct infusion ESI combined with field asymmetric waveform ion mobility spectrometry-mass spectrometry (ESI-FAIMS-MS) is demonstrated. The addition of a chip-based FAIMS separation prior to detection by time-of-flight mass spectrometry enables selective transmission of NMP in the presence of cefepime without interference from NMP formed by CID in the mass spectrometer interface. The limits of detection and quantification of NMP in cefepime were 0.011% (w/w) and 0.036% (w/w) NMP in cefepime respectively, well below the 0.3% (w/w) threshold concentration for NMP in cefepime. The % relative standard deviation was 3.9% with linearity for standard additions in the range 0.005 – 0.5 μg/ml NMP. Novel Aspect (ToC) FAIMS separation prior to mass spectrometry enables selective transmission of NMP in cefepime without interference from NMP formed by in-source CID

Supporting Parental Decisions About Genomic Sequencing for Newborn Screening: The NC NEXUS Decision Aid

Advances in genomic sequencing technology have raised fundamental challenges to the traditional ways genomic information is communicated. These challenges will become increasingly complex and will affect a much larger population in the future if genomics is incorporated into standard newborn screening practice. Clinicians, public health officials, and other stakeholders will need to agree on the types of information that they should seek and communicate to parents. Currently, few evidence-based and validated tools are available to support parental informed decision-making. These tools will be necessary as genomics is integrated into clinical practice and public health systems. In this article we describe how the North Carolina Newborn Exome Sequencing for Universal Screening study is addressing the need to support parents in making informed decisions about the use of genomic testing in newborn screening. We outline the context for newborn screening and justify the need for parental decision support. We also describe the process of decision aid development and the data sources, processes, and best practices being used in development. By the end of the study, we will have an evidenced-based process and validated tools to support parental informed decision-making about the use of genomic sequencing in newborn screening. Data from the study will help answer important questions about which genomic information ought to be sought and communicated when testing newborns