Life insurance model: concept, structure and assessment of financial stability

The Institute of Life Insurance is actively growing all over the world and especially in developing countries in order to provide an increase in the duration and quality of life of the population. The increasing role of life insurance in the economic and social sphere of the country requires a theoretical understanding of its place in the system of market relations and effective implementation. The purpose of the study is to develop the theoretical and methodological basis of life insurance, substantiate methodological approaches to its study in the context of a systematic approach through the prism of various models functioning. As a result of the study theoretical determinants of life insurance model are revealed, and a methodology for determining the financial stability of the applied life insurance model has been developed

Classification of Intersystem Accidents in Infrastructure-Complex Territories

Urbanisation led to the establishment of infrastructure-complex territories (ICTs). The growing interaction between critical infrastructures in such territories, combined with an increase in the frequency and scale of natural disasters, caused a surge in intersystem accidents (ISA). ISAs are characterised by cascading processes and catastrophic consequences for regional socio-economic development, since they affect both the critical infrastructure and environment. The paper aims to classify intersystem accidents in infrastructure-complex territories, as well as to assess the adaptive resilience of these areas to external influences. An examination of available statistics on domestic and foreign intersystem accidents demonstrated the importance of the issue and allowed us to identify common features of ISAs. The research analysed various approaches to the classification of territories and their adaptive resilience to external influences, showing that the existing classifications mostly do not consider infrastructure-complex territories and the possibility of intersystem accidents. Based on the analysis of statistical data and simulation of cascade failures and emergencies, the article proposes a new approach to the classification of intersystem accidents in infrastructure-complex territories. The scale of economic and social consequences, location of the accident, structure of the development of emergency processes, and other classification features were used. The proposed classification will help simulate emergencies, develop methods for assessing the consequences and resistance of infrastructure-complex territories to external influences, and, subsequently, increase adaptive resilience and economic efficiency of regional development. Further research will be aimed at predicting the development of ISAs and assessing the resulting damage in accordance with the proposed classification

Classification of Intersystem Accidents in Infrastructure-Complex Territories

Urbanisation led to the establishment of infrastructure-complex territories (ICTs). The growing interaction between critical infrastructures in such territories, combined with an increase in the frequency and scale of natural disasters, caused a surge in intersystem accidents (ISA). ISAs are characterised by cascading processes and catastrophic consequences for regional socio-economic development, since they affect both the critical infrastructure and environment. The paper aims to classify intersystem accidents in infrastructure-complex territories, as well as to assess the adaptive resilience of these areas to external influences. An examination of available statistics on domestic and foreign intersystem accidents demonstrated the importance of the issue and allowed us to identify common features of ISAs. The research analysed various approaches to the classification of territories and their adaptive resilience to external influences, showing that the existing classifications mostly do not consider infrastructure-complex territories and the possibility of intersystem accidents. Based on the analysis of statistical data and simulation of cascade failures and emergencies, the article proposes a new approach to the classification of intersystem accidents in infrastructure-complex territories. The scale of economic and social consequences, location of the accident, structure of the development of emergency processes, and other classification features were used. The proposed classification will help simulate emergencies, develop methods for assessing the consequences and resistance of infrastructure-complex territories to external influences, and, subsequently, increase adaptive resilience and economic efficiency of regional development. Further research will be aimed at predicting the development of ISAs and assessing the resulting damage in accordance with the proposed classification

Using Internet-Memes In Teaching English Grammarto Students Of Pedagogical Programs

The purpose of this study is to consider Internet memes as a material for teaching English grammar to students of pedagogical universities. The scientific novelty of the study is to analyze the possibility of using Internet memes for training and using grammatical structures in exercises aimed at finding and correcting grammatical errors in the text of Internet memes. The result of the study is the development of a block of exercises aimed at training the skill of correcting grammatical errors and their justification, which also contributes to updating students' attention to aspects of a particular grammar of the English language

Target-Speaker Voice Activity Detection: a Novel Approach for Multi-Speaker Diarization in a Dinner Party Scenario

Speaker diarization for real-life scenarios is an extremely challenging problem. Widely used clustering-based diarization approaches perform rather poorly in such conditions, mainly due to the limited ability to handle overlapping speech. We propose a novel Target-Speaker Voice Activity Detection (TS-VAD) approach, which directly predicts an activity of each speaker on each time frame. TS-VAD model takes conventional speech features (e.g., MFCC) along with i-vectors for each speaker as inputs. A set of binary classification output layers produces activities of each speaker. I-vectors can be estimated iteratively, starting with a strong clustering-based diarization. We also extend the TS-VAD approach to the multi-microphone case using a simple attention mechanism on top of hidden representations extracted from the single-channel TS-VAD model. Moreover, post-processing strategies for the predicted speaker activity probabilities are investigated. Experiments on the CHiME-6 unsegmented data show that TS-VAD achieves state-of-the-art results outperforming the baseline x-vector-based system by more than 30% Diarization Error Rate (DER) abs.Comment: Accepted to Interspeech 202

2014-2015 Dean\u27s Showcase No. 2

https://spiral.lynn.edu/conservatory_deansshowcase/1011/thumbnail.jp

Synthesis, structures, and reactivity of isomers of [RuCp*(1,4- (Me2N)2C6H4)]2

[RuCp*(1,3,5-R3C6H3)]2 {Cp* = &eta;5-pentamethylcyclopentadienyl, R = Me, Et} have previously been found to be moderately air stable, yet highly reducing, with estimated D+/0.5D2 (where D2 and D+ represent the dimer and the corresponding monomeric cation, respectively) redox potentials of ca. &minus;2.0 V vs. FeCp2+/0. These properties have led to their use as n-dopants for organic semiconductors. Use of arenes substituted with &pi;-electron donors is anticipated to lead to even more strongly reducing dimers. [RuCp*(1-(Me2N)-3,5-Me2C6H3)]+PF6&minus; and [RuCp*(1,4-(Me2N)2C6H4)]+PF6&minus; have been synthesized and electrochemically and crystallographically characterized; both exhibit D+/D potentials slightly more cathodic than [RuCp*(1,3,5-R3C6H3)]+. Reduction of [RuCp*(1,4-(Me2N)2C6H4)]+PF6&minus; using silica-supported sodium&ndash;potassium alloy leads to a mixture of isomers of [RuCp*(1,4-(Me2N)2C6H4)]2, two of which have been crystallographically characterized. One of these isomers has a similar molecular structure to [RuCp*(1,3,5-Et3C6H3)]2; the central C&ndash;C bond is exo,exo, i.e., on the opposite face of both six-membered rings from the metals. A D+/0.5D2 potential of &minus;2.4 V is estimated for this exo,exo dimer, more reducing than that of [RuCp*(1,3,5-R3C6H3)]2 (&minus;2.0 V). This isomer reacts much more rapidly with both air and electron acceptors than [RuCp*(1,3,5-R3C6H3)]2 due to a much more cathodic D2˙+/D2 potential. The other isomer to be crystallographically characterized, along with a third isomer, are both dimerized in an exo,endo fashion, representing the first examples of such dimers. Density functional theory calculations and reactivity studies indicate that the central bonds of these two isomers are weaker than those of the exo,exo isomer, or of [RuCp*(1,3,5-R3C6H3)]2, leading to estimated D+/0.5D2 potentials of &minus;2.5 and &minus;2.6 V vs. FeCp2+/0. At the same time the D2˙+/D2 potentials for the exo,endo dimers are anodically shifted relative to those of [RuCp*(1,3,5-R3C6H3)]2, resulting in much greater air stability than for the exo,exo isomer. &nbsp;</p