Clustering driving styles via image processing

It has become of key interest in the insurance industry to understand and extract information from telematics car driving data. Telematics car driving data of individual car drivers can be summarized in so-called speed acceleration heatmaps. The aim of this study is to cluster such speed acceleration heatmaps to different categories by analysing similarities and differences in these heatmaps. Making use of local smoothness properties, we propose to process these heatmaps as RGB images. Clustering can then be achieved by involving supervised information via a transfer learning approach using the pre-trained AlexNet to extract discriminative features. The K-means algorithm is then applied on these extracted discriminative features for clustering. The experiment results in an improvement of heatmap clustering compared to classical approaches

Accurate measurement of ^{13}C - ^{15}N distances with solid-state NMR

Solid-state NMR technique for measureing distances between hetero-nuclei in static powder samples is described. It is based on a two-dimensional single-echo scheme enhanced with adiabatic cross-polarization. As an example, the results for intra-molecular distances in $\alpha$-crystalline form of glycine are presented. The measured NMR distances ^13 C(2) - ^15 N and ^13 C(1) - ^15 N are 1.496 $\pm$ 0.002 \AA and 2.50 $\pm$ 0.02 \AA, respectively.Comment: 12 page

Reversible jump Markov chain Monte Carlo method for parameter reduction in claims reserving

We present an application of the reversible jump Markov chain Monte Carlo (RJMCMC) method to the important problem of setting claims reserves in general insurance business for the outstanding loss liabilities. A measure of the uncertainty in these claims reserves estimates is also needed for solvency purposes. The RJMCMC method described in this paper represents an improvement over the manual processes often employed in practice. In particular, our RJMCMC method describes parameter reduction and tail factor estimation in the claims reserving process, and, moreover, it provides the full predictive distribution of the outstanding loss liabilities

On the lifetime and one-year views of reserve risk, with application to IFRS 17 and Solvency II risk margins

This paper brings together analytic and simulation-based approaches to reserve risk in general (P&C) insurance, applied to the traditional actuarial view of risk over the lifetime of the liabilities and to the one-year view of Solvency II. It also connects the lifetime and one-year views of risk. The framework of the model in Mack (1993) is used throughout, although the results have wider applicability. The advantages of a simulation-based approach are highlighted, giving a full predictive distribution, which is used to estimate risk margins under Solvency II and risk adjustments under IFRS 17. We discuss methods for obtaining capital requirements in a cost-of-capital risk margin, and methods for estimating risk adjustments using risk measures applied to a simulated distribution of the outstanding liabilities over their lifetime

Rezidivierende Urolithiasis mit progredienter Niereninsuffizienz

Zusammenfassung: Bei einem 30-jährigen Patienten bestand bei rezidivierender Urolithiasis und progredienter Niereninsuffizienz die initiale Diagnose einer sekundären Hyperoxalurie. Die vertiefte Anamnese sowie neue klinische Aspekte ließen dann eine primäre Hyperoxalurie (PH) vermuten, die molekulargenetisch als PH1 bestätigt werden konnte. Pathogenese, klinischer Verlauf und therapeutische Optionen der PH werden diskutier