Public and Private Health Insurance in Germany: The Ignored Risk Selection Problem

While risk selection within the German public health insurance system has received considerable attention, risk selection between public and private health insurers has largely been ignored. This is surprising since – given the institutional structure – risk selection between systems is likely to be more pronounced. We find clear evidence for risk selection in favor of private insurers. While private insurers are unable to select the healthy upon enrollment they manage to dump high risk individuals who then end up in the public system. This gives private insurers an unjustified competitive advantage vis-à-vis public insurer. A risk adjusted compensation would mitigate this advantage.risk selection, public and private health insurance, risk adjustment

Detroit is Under Construction: Rebuilding Detroit, Rebuilding Detroiters, A Construction Careers Pipeline that Works

This report represents the culmination of a over a year of research, interviews, and vetting by D4 board andstaff, and is intended to present a snapshot of some of the more pressing issues and opportunities currently at play for the construction careers pipeline in Detroit and surrounding communities. The report explores how to increase opportunities for Detroit residents within the construction industry, identifying ways to address the obstacles that prevent many Detroiters from gaining access to construction careers, proposing a new way to define and monitor "success", and suggesting public policy solutions that will rebuild the broken pipeline into the industry and employmore Detroiters. While we focus on solutions within construction, this report contains some useful parallels for other industries.

Liberialism in Contrast to the Biblical Faith

This paper is a study of the doctrines of Liberalism. By being thoroughly familiar with these doctrines, the student will not be misled by the sheep’s clothing of orthodox phraseology which Liberalists often employ

Full 3+1 dimensional simulation of the relativistic Boltzmann equation

Relativistic hydrodynamics has been the tool of choice to simulate the dynamics of the quark-gluon plasma produced in heavy-ion collisions. Despite the success of hydrodynamics, it has several shortcomings stemming from the fact that it assumes a system close to equilibrium. An alternative to hydrodynamics is solving the Boltzmann equation, which describes the evolution of the full distribution function of the system without the close to equilibrium requirement. Large scale simulations using the Boltzmann equation, however, has hitherto proved computationally intractable due to their computational expense. By using a novel algorithm, and leveraging the computational power of graphical processor units, we numerically integrate the Boltzmann equation in the relaxation time approximation

The Concept of Authority in the Persuasion of Christ and St Paul

It will be our purpose in this paper to review some of the more prominent concepts of persuasive authority found in churches today. We will then endeavor to present the Biblical concept of persuasive authority, as it is found in the New Testament, especially in the Gospels and in the life and writings of St. Paul