Product Focus versus Diversification: Estimates of X-Efficiency for the US Life Insurance Industry

Using data for the life insurance industry during 1990-1995, we empirically test for a relationship between a firm's output choice and measures of X-efficiency. Our empirical evidence suggests that diversification across multiple insurance and investment product lines resulted in greater X-efficiency than a more focused production strategy. The analysis in this article is consistent with the proposition that managers of multiproduct firms are able to achieve greater cost efficiencies than their counterparts in more focused firms by sharing inputs and efficiently allocating resources across product lines in response to changing industry conditions. Our findings are important since they justify the existence of multiproduct firms in the absence of cost complementarities and identify product diversification as a source of efficiency in the life insurance industry that should be recognized by managers, policyholders, and regulators.

Protein structural variation in computational models and crystallographic data

Normal mode analysis offers an efficient way of modeling the conformational flexibility of protein structures. Simple models defined by contact topology, known as elastic network models, have been used to model a variety of systems, but the validation is typically limited to individual modes for a single protein. We use anisotropic displacement parameters from crystallography to test the quality of prediction of both the magnitude and directionality of conformational variance. Normal modes from four simple elastic network model potentials and from the CHARMM forcefield are calculated for a data set of 83 diverse, ultrahigh resolution crystal structures. While all five potentials provide good predictions of the magnitude of flexibility, the methods that consider all atoms have a clear edge at prediction of directionality, and the CHARMM potential produces the best agreement. The low-frequency modes from different potentials are similar, but those computed from the CHARMM potential show the greatest difference from the elastic network models. This was illustrated by computing the dynamic correlation matrices from different potentials for a PDZ domain structure. Comparison of normal mode results with anisotropic temperature factors opens the possibility of using ultrahigh resolution crystallographic data as a quantitative measure of molecular flexibility. The comprehensive evaluation demonstrates the costs and benefits of using normal mode potentials of varying complexity. Comparison of the dynamic correlation matrices suggests that a combination of topological and chemical potentials may help identify residues in which chemical forces make large contributions to intramolecular coupling.Comment: 17 pages, 4 figure

Can a Kasner Universe with a Viscous Cosmological Fluid be Anisotropic?

A Bianchi type -I metric of Kasner form is considered, when the space is filled with a viscous fluid. Whereas an ideal (nonviscous) fluid permits the Kasner metric to be anisotropic provided that the fluid satisfies the Zel'dovich equation of state, the viscous fluid does not permit the Kasner metric to be anisotropic at all. In the latter case, we calculate the Kasner (isotropic) metric expressed by the fluid's density, pressure, and bulk viscosity, at some chosen instant $t=t_0$. The equation of state is also calculated. The present paper is related to a recent Comment of Cataldo and del Campo [Phys. Rev. D, scheduled to April 15, 2000], on a previous work of the present authors [Phys. Rev. D {\bf 56}, 3322 (1997)].Comment: 8 pages, LaTeX, no figures. To appear in PR

Validation of Proposed Metrics for Two-Body Abrasion Scratch Test Analysis Standards

The objective of this work was to evaluate a set of standardized metrics proposed for characterizing a surface that has been scratched from a two-body abrasion test. This is achieved by defining a new abrasion region termed Zone of Interaction (ZOI). The ZOI describes the full surface profile of all peaks and valleys, rather than just measuring a scratch width as currently defined by the ASTM G 171 Standard. The ZOI has been found to be at least twice the size of a standard width measurement, in some cases considerably greater, indicating that at least half of the disturbed surface area would be neglected without this insight. The ZOI is used to calculate a more robust data set of volume measurements that can be used to computationally reconstruct a resultant profile for detailed analysis. Documenting additional changes to various surface roughness parameters also allows key material attributes of importance to ultimate design applications to be quantified, such as depth of penetration and final abraded surface roughness. Data are presented to show that different combinations of scratch tips and abraded materials can actually yield the same scratch width, but result in different volume displacement or removal measurements and therefore, the ZOI method is more discriminating than the ASTM method scratch width. Furthermore, by investigating the use of custom scratch tips for our specific needs, the usefulness of having an abrasion metric that can measure the displaced volume in this standardized manner, and not just by scratch width alone, is reinforced. This benefit is made apparent when a tip creates an intricate contour having multiple peaks and valleys within a single scratch. This work lays the foundation for updating scratch measurement standards to improve modeling and characterization of three-body abrasion test results

Standardization of a Volumetric Displacement Measurement for Two-Body Abrasion Scratch Test Data Analysis

A limitation has been identified in the existing test standards used for making controlled, two-body abrasion scratch measurements based solely on the width of the resultant score on the surface of the material. A new, more robust method is proposed for analyzing a surface scratch that takes into account the full three-dimensional profile of the displaced material. To accomplish this, a set of four volume displacement metrics are systematically defined by normalizing the overall surface profile to statistically denote the area of relevance, termed the Zone of Interaction (ZOI). From this baseline, depth of the trough and height of the ploughed material are factored into the overall deformation assessment. Proof of concept data were collected and analyzed to demonstrate the performance of this proposed methodology. This technique takes advantage of advanced imaging capabilities that now allow resolution of the scratched surface to be quantified in greater detail than was previously achievable. A quantified understanding of fundamental particle-material interaction is critical to anticipating how well components can withstand prolonged use in highly abrasive environments, specifically for our intended applications on the surface of the Moon and other planets or asteroids, as well as in similarly demanding, harsh terrestrial setting

Defining an Abrasion Index for Lunar Surface Systems as a Function of Dust Interaction Modes and Variable Concentration Zones

Unexpected issues were encountered during the Apollo era of lunar exploration due to detrimental abrasion of materials upon exposure to the fine-grained, irregular shaped dust on the surface of the Moon. For critical design features involving contact with the lunar surface and for astronaut safety concerns, operational concepts and dust tolerance must be considered in the early phases of mission planning. To systematically define material selection criteria, dust interaction can be characterized by two-body or three-body abrasion testing, and subcategorically by physical interactions of compression, rolling, sliding and bending representing specific applications within the system. Two-body abrasion occurs when a single particle or asperity slides across a given surface removing or displacing material. Three-body abrasion occurs when multiple particles interact with a solid surface, or in between two surfaces, allowing the abrasives to freely rotate and interact with the material(s), leading to removal or displacement of mass. Different modes of interaction are described in this paper along with corresponding types of tests that can be utilized to evaluate each configuration. In addition to differential modes of abrasion, variable concentrations of dust in different zones can also be considered for a given system design and operational protocol. These zones include: (1) outside the habitat where extensive dust exposure occurs, (2) in a transitional zone such as an airlock or suitport, and (3) inside the habitat or spacesuit with a low particle count. These zones can be used to help define dust interaction frequencies, and corresponding risks to the systems and/or crew can be addressed by appropriate mitigation strategies. An abrasion index is introduced that includes the level of risk, R, the hardness of the mineralogy, H, the severity of the abrasion mode, S, and the frequency of particle interactions, F

Relative Invertebrate Abundance and Biomass in Conservation Reserve Program Plantings in Northern Missouri

We measured relative invertebrate abundance, biomass, and diversity in Conservation Reserve Program (CRP) fields planted to red clover (Trifolium pratense)/timothy (Phleum pratense), timothy, orchard-grass (Dactylis glomerata), tall fescue (Festuca pratensis), warm-season grasses (big bluestem [Andropogon gerardi]/switch grass [Panicum virgatum]), orchard-grass/Korean lespedeza (Kummerowia stipu/,acea), and conventionally-tilled soybeans, to assess brood habitat quality for northern bobwhite (Colinus virginkinus). We sampled invertebrate populations by vacuuming along 3 15-m transects (4.56 m2/sample) within 4 fields of each planting type, at 2-week intervals from 1 July to 15 August 1990 and 1991. Invertebrate abundance and biomass were lowest in early August (P \u3c 0.05). The CRP fields planted to a red clover/timothy mixture, and dominated by red clover, had the highest levels of invertebrate abundance and biomass (P \u3c 0.05). Conventionally-tilled soybeans had lower invertebrate abundance and biomass than all CRP covertypes (P\u3c 0.05). Mean invertebrate abundance and biomass in CRP fields were 4 times that of soybean fields. In northern Missouri, CRP fields could provide quality brood habitat if structural characteristics are also consistent with brood foraging needs. Incorporation of a legume in CRP plantings may produce higher invertebrate densities and improve the value of these fields as brood habitat

Validation of Proposed Metrics for Two-Body Abrasion Scratch Test Analysis Standards

Abrasion of mechanical components and fabrics by soil on Earth is typically minimized by the effects of atmosphere and water. Potentially abrasive particles lose sharp and pointed geometrical features through erosion. In environments where such erosion does not exist, such as the vacuum of the Moon, particles retain sharp geometries associated with fracturing of their parent particles by micrometeorite impacts. The relationship between hardness of the abrasive and that of the material being abraded is well understood, such that the abrasive ability of a material can be estimated as a function of the ratio of the hardness of the two interacting materials. Knowing the abrasive nature of an environment (abrasive)/construction material is crucial to designing durable equipment for use in such surroundings. The objective of this work was to evaluate a set of standardized metrics proposed for characterizing a surface that has been scratched from a two-body abrasion test. This is achieved by defining a new abrasion region termed Zone of Interaction (ZOI). The ZOI describes the full surface profile of all peaks and valleys, rather than just measuring a scratch width. The ZOI has been found to be at least twice the size of a standard width measurement; in some cases, considerably greater, indicating that at least half of the disturbed surface area would be neglected without this insight. The ZOI is used to calculate a more robust data set of volume measurements that can be used to computationally reconstruct a resultant profile for de tailed analysis. Documenting additional changes to various surface roughness par ameters also allows key material attributes of importance to ultimate design applications to be quantified, such as depth of penetration and final abraded surface roughness. Further - more, by investigating the use of custom scratch tips for specific needs, the usefulness of having an abrasion metric that can measure the displaced volume in this standardized manner, and not just by scratch width alone, is reinforced. This benefit is made apparent when a tip creates an intricate contour having multiple peaks and valleys within a single scratch. The current innovation consists of a software- driven method of quantitatively evaluating a scratch profile. The profile consists of measuring the topographical features of a scratch along the length of the scratch instead of the width at one location. The digitized profile data is then fed into software code, which evaluates enough metrics of the scratch to reproduce the scratch from the evaluated metrics. There are three key differences between the current art and this innovation. First, scratch width does not quantify how far from the center of the scratch damage occurs (ZOI). Second, scratch width does not discern between material displacement and material removal from the scratch. Finally, several scratches may have the same width but different zones of interactions, different displacements, and different material removals. The current innovation allows quantitative assessment of all three

Evaluation of Vapor Pressure and Ultra-High Vacuum Tribological Properties of Ionic Liquids (2) Mixtures and Additives

Ionic liquids are salts, many of which are typically viscous fluids at room temperature. The fluids are characterized by negligible vapor pressures under ambient conditions. These properties have led us to study the effectiveness of ionic liquids containing both organic cations and anions for use as space lubricants. In the previous paper we have measured the vapor pressure and some tribological properties of two distinct ionic liquids under simulated space conditions. In this paper we will present vapor pressure measurements for two new ionic liquids and friction coefficient data for boundary lubrication conditions in a spiral orbit tribometer using stainless steel tribocouples. In addition we present the first tribological data on mixed ionic liquids and an ionic liquid additive. Post mortem infrared and Raman analysis of the balls and races indicates the major degradation pathway for these two organic ionic liquids is similar to those of other carbon based lubricants, i.e. deterioration of the organic structure into amorphous graphitic carbon. The coefficients of friction and lifetimes of these lubricants are comparable to or exceed these properties for several commonly used space oils

Three-Body Abrasion Testing Using Lunar Dust Simulants to Evaluate Surface System Materials

Numerous unexpected operational issues relating to the abrasive nature of lunar dust, such as scratched visors and spacesuit pressure seal leaks, were encountered during the Apollo missions. To avoid reoccurrence of these unexpected detrimental equipment problems on future missions to the Moon, a series of two- and three-body abrasion tests were developed and conducted in order to begin rigorously characterizing the effect of lunar dust abrasiveness on candidate surface system materials. Two-body scratch tests were initially performed to examine fundamental interactions of a single particle on a flat surface. These simple and robust tests were used to establish standardized measurement techniques for quantifying controlled volumetric wear. Subsequent efforts described in the paper involved three-body abrasion testing designed to be more representative of actual lunar interactions. For these tests, a new tribotester was developed to expose samples to a variety of industrial abrasives and lunar simulants. The work discussed in this paper describes the three-body hardware setup consisting of a rotating rubber wheel that applies a load on a specimen as a loose abrasive is fed into the system. The test methodology is based on ASTM International (ASTM) B611, except it does not mix water with the abrasive. All tests were run under identical conditions. Abraded material specimens included poly(methyl methacrylate) (PMMA), hardened 1045 steel, 6061-T6 aluminum (Al) and 1018 steel. Abrasives included lunar mare simulant JSC- 1A-F (nominal size distribution), sieved JSC-1A-F (<25 m particle diameter), lunar highland simulant NU-LHT-2M, alumina (average diameter of 50 m used per ASTM G76), and silica (50/70 mesh used per ASTM G65). The measured mass loss from each specimen was converted using standard densities to determine total wear volume in cm3. Abrasion was dominated by the alumina and the simulants were only similar to the silica (i.e., sand) on the softer materials of aluminum and PMMA. The nominal JSC- 1A-F consistently showed more abrasion wear than the sieved version of the simulant. The lunar dust displayed abrasivity to all of the test materials, which are likely to be used in lunar landing equipment. Based on this test experience and pilot results obtained, recommendations are made for systematic abrasion testing of candidate materials intended for use in lunar exploration systems and in other environments with similar dust challenges