The Evolution of the Insurance Sector in Central and Eastern Europe and the Former Soviet Union

This paper provides a detailed profile of the development of the insurance industry between 1989-98 in the countries of Central and Eastern Europe (CEE) and the New Independent States (NIS) of the former Soviet Union. In doing so, the author utilizes various sources of data to describe the nature of the insurance market in the region. On an individual host country basis, attention is given to data on premium income with respect to both life and non-life coverage, an analysis of average annual growth rates, as well as insurance density and penetration rates by type of coverage. The paper also addresses a number of issues pertaining to the competitive environment, including the legal conditions for insurance operators, a profile of the key players, and the role of foreign insurers operating within the region. The paper concludes by identifying the three main trends of the insurance industry in the region, the associated policy implications of each, as well as the need for future research.http://deepblue.lib.umich.edu/bitstream/2027.42/39720/3/wp336.pd

XMM-Newton First Observation in the Pleiades

We present the first results from a 40 ks Guaranteed Time XMM-Newton pointing in the Pleiades. We detect almost all early-mid dM members in the field and several very low mass (VLM) stars - including the brown dwarf (BD) candidate Roque 9 - and investigate the variation of X-ray activity levels, hardness ratios and flare frequency with spectral type down to the BD regime.Comment: 5 pages, 6 figures, to be published in proceedings of `Stellar Coronae in the Chandra and XMM-Newton Era

An XMM-Newton observation of the young open cluster NGC 2547: coronal activity at 30 Myr

We report XMM-Newton observations of the young open cluster NGC 2547 which allow us to characterise coronal activity in solar-type stars at an age of 30 Myr. X-ray emission peaks among G-stars at luminosities (0.3-3keV) of Lx~10^{30.5} erg/s and declines to Lx<=10^{29.0} erg/s among M-stars. Coronal spectra show evidence for multi-temperature differential emission measures and low coronal metal abundances (Z~0.3). The G- and K-type stars follow the same relationship between X-ray activity and Rossby number established in older clusters and field stars, although most solar-type stars in NGC 2547 exhibit saturated/super-saturated X-ray activity levels. Median levels of Lx and Lx/Lbol in the solar-type stars of NGC 2547 are similar to T-Tauri stars of the Orion Nebula cluster (ONC), but an order of magnitude higher than in the older Pleiades. The spread in X-ray activity levels among solar-type stars in NGC 2547 is much smaller than in older or younger clusters. Coronal temperatures increase with Lx, Lx/Lbol and surface X-ray flux. Active solar-type stars in NGC 2547 have coronal temperatures between those in the ONC and the most active older ZAMS stars. A flaring rate (for total flare energies [0.3-3keV] >10^{34} erg) of 1 every 350^{+350}_{-120} ks was found for solar-type stars, similar to rates found in the ONC and Pleiades. Comparison with ROSAT HRI data taken 7 years previously reveals that only 10-15 percent of solar-type stars or stars with Lx>3x10^{29} erg/s exhibit X-ray variability by more than a factor of two. The similar levels of X-ray activity and rate of occurrence for large flares in NGC 2547 and the ONC demonstrate that the X-ray radiation environment around young solar-type stars remains relatively constant over their first 30 Myr (abridged).Comment: Accepted for publication in MNRAS. Electronic tables available from the autho

XMM-Newton and the Pleiades - I. Bright coronal sources and the X-ray emission from intermediate-type stars

We present results of X-ray spectral and timing analyses of solar-like (spectral types F5-K8) and intermediate-type (B4-F4) Pleiads observed in a 40-ks XMM-Newton EPIC exposure, probing X-ray luminosities (LX) up to a factor 10 fainter than previous studies using the ROSAT PSPC. All eight solar-like members have ‘quasi-steady'LX≳ 1029erg s−1, consistent with the known rotation-activity relation and four exhibit flares. Using a hydrodynamic modelling technique, we derive loop half-lengths for the two strongest flares, on H ii 1032 and H ii 1100. Near the beginning of its flare, the light curve of H ii 1100 shows a feature with a profile suggestive of a total occultation of the flaring loop. Eclipse by a substellar companion in a close orbit is possible but would seem an extraordinarily fortuitous event; absorption by a fast-moving cloud of cool material requires NH at least two orders of magnitude greater than any solar or stellar prominence. An occultation may have been mimicked by the coincidence of two flares, though the first, with its decay time being shorter than its rise time and suggestive of , would be unusual. Spectral modelling of the quasi-steady emission shows a rising trend in coronal temperature from F and slowly rotating G stars to K stars to fast-rotating G stars, and a preference for low coronal metallicity. These features are consistent with those of nearby solar-like stars, although none of the three stars showing ‘saturated' emission bears the significant component at 2 keV seen in the saturated coronae of AB Dor and 47 Cas. Of five intermediate-type stars, two are undetected (LX < 4 × 1027erg s−1) and three show X-ray emission with a spectrum and LX consistent with origin from an active solar-like companio

Family functioning differences across the deployment cycle in British Army families: the perceptions of wives and children

Introduction Military deployment can have an adverse effect on a soldier’s family, though little research has looked at these effects in a British sample. We investigated wives’ of UK serving soldiers perceptions of marital and family functioning, across three stages of the deployment cycle: currently deployed, post-deployment and pre-deployed, plus a non-military comparison group. Uniquely, young (aged 3.5 – 11 years) children’s perceptions of their family were also investigated, using the Parent-Child Alliance (PCA) coding scheme of drawings of the family. Materials and Methods Two hundred and twenty British military families of regular service personnel from the British Army’s Royal Armoured Corps (RAC), were sent survey packs distributed with a monthly welfare office newsletter. Wives were asked to complete a series of self-report items, and the youngest child in the family between the ages of 3.5 and 11 years was asked to draw a picture of their family. Complete data were available for 78 military families, and an additional 34 non-military families were recruited via opportunity sampling. Results Results indicated wives of currently deployed and recently returned personnel were less satisfied with their family and its communication, and children’s pictures indicated higher levels of dysfunctional PCA, whilst pre-deployed families responded similarly to non-military families. Marital satisfaction was similar across all groups except pre-deployed families who were significantly more satisfied. Non-military and pre-deployed families showed balanced family functioning, and currently and recently deployed families demonstrated poor family functioning. In comparison to non-military families, pre-deployed families showed a large ‘spike’ in the rigidity subscale of the FACES IV. Conclusion Wives’ perceptions of family functioning, but not marital satisfaction, differed between the deployment groups. The results from the coded children’s drawings correlated with the self-report measures from the wife/mother, indicating that children’s drawings could be a useful approach when working with younger children in this area. It is tentatively suggested that the differences across deployment stage on family functioning could be mediated not only by communication difficulties between deployed personnel and their families, but also by its effect on the children in the family. Larger-scale longitudinal research is needed to investigate this further

X-ray emission from a brown dwarf in the Pleiades

We report on the first detection of X-ray emission from a brown dwarf in the Pleiades, the M7-type Roque 14, obtained using the EPIC detectors on XMM-Newton. This is the first X-ray detection of a brown dwarf intermediate in age between ≈12 and ≈320 Myr. The emission appears persistent, although we cannot rule out flare-like behaviour with a decay time-scale >4 ks. The time-averaged X-ray luminosity of LX≈ 3.3 ± 0.8 × 1027 erg s−1 and its ratios with the bolometric (LX/Lbol≈ 10−3.05) and Hα (LX/LHα≈ 4.0) luminosities suggest magnetic activity similar to that of active main-sequence M dwarfs, such as the M7 old-disc star VB 8, although the suspected binary nature of Roque 14 merits further attention. No emission is detected from four proposed later-type Pleiades brown dwarfs, with upper limits to LX in the range 2.1-3.8 × 1027 erg s−1 and to log (LX/Lbol) in the range −3.10 to −2.9

Audio-based event detection for sports video

In this paper, we present an audio-based event detection approach shown to be effective when applied to the Sports broadcast data. The main benefit of this approach is the ability to recognise patterns that indicate high levels of crowd response which can be correlated to key events. By applying Hidden Markov Model-based classifiers, where the predefined content classes are parameterised using Mel-Frequency Cepstral Coefficients, we were able to eliminate the need for defining a heuristic set of rules to determine event detection, thus avoiding a two-class approach shown not to be suitable for this problem. Experimentation indicated that this is an effective method for classifying crowd response in Soccer matches, thus providing a basis for automatic indexing and summarisation

Suzaku Discovery of the Strong Radiative Recombination Continuum of Iron from the Supernova Remnant W49B

We present a hard X-ray spectrum of unprecedented quality of the Galactic supernova remnant W49B obtained with the Suzaku satellite. The spectrum exhibits an unusual structure consisting of a saw-edged bump above 8 keV. This bump cannot be explained by any combination of high-temperature plasmas in ionization equilibrium. We firmly conclude that this bump is caused by the strong radiative recombination continuum (RRC) of iron, detected for the first time in a supernova remnant. The electron temperature derived from the bremsstrahlung continuum shape and the slope of the RRC is 1.5 keV. On the other hand, the ionization temperature derived from the observed intensity ratios between the RRC and K-alpha lines of iron is 2.7 keV. These results indicate that the plasma is in a highly overionized state. Volume emission measures independently determined from the fluxes of the thermal and RRC components are consistent with each other, suggesting the same origin of these components.Comment: 5 pages,4 figures, accepted for publication in ApJ Lette