A logistic regression approach to estimating customer profit loss due to lapses in insurance

This article focuses on business risk management in the insurance industry. A methodology for estimating the profit loss caused by each customer in the portfolio due to policy cancellation is proposed. Using data from a European insurance company, customer behaviour over time is analyzed in order to estimate the probability of policy cancelation and the resulting potential profit loss due to cancellation. Customers may have up to two different lines of business contracts: motor insurance and other diverse insurance (such as, home contents, life or accident insurance). Implications for understanding customer cancellation behaviour as the core of business risk management are outlined.Policy cancellation, customer loyalty, profit loss, customer behavior.

Multipartite maximally entangled states in symmetric scenarios

We consider the class of (N+1)-partite states suitable for protocols where there is a powerful party, the authority, and the other N parties play the same role, namely the state of their system live in the symmetric Hilbert space. We show that, within this scenario, there is a "maximally entangled state" that can be transform by a LOCC protocol into any other state. In addition, we show how to make the protocol efficiently including the construction of the state and discuss security issues for possible applications to cryptographic protocols. As an immediate consequence we recover a sequential protocol that implements the one to N symmetric cloning.Comment: 6 pages, 4 figure

Electron heating and mechanical properties of graphene

The heating of electrons in graphene by laser irradiation, and its effects on the lattice structure, are studied. Values for the temperature of the electron system in realistic situations are obtained. For sufficiently high electron temperatures, the occupancy of the states in the $\sigma$ band of graphene is modified. The strength of the carbon-carbon bonds changes, leading to the emergence of strains, and to buckling in suspended samples. While most applications of `strain engineering' in two dimensional materials focus on the effects of strains on electronic properties, the effect studied here leads to alterations of the structure induced by light. This novel optomechanical coupling can induce deflections in the order of $\sim 50$ nm in micron size samples