Pricing risk- data is available on the premium rates charged by life insurance companies. Are there differences between large firms and small firms? Between mutual firms and proprietary firms?

Life insurance companies are important part of the economy. They have charges on their policies which cover their expenses and make a profit. This study seeks to find the reasons why charges of life insurance companies differ. Exploiting recently available data from the Financial Services Authority, this dissertation use a regression model to test if firm size and organizational form are significantly determining charges. In addition, data are used to estimate the price of different product characteristics in the UK stakeholder & personal pension and investment bonds markets. The results show that firm size, organizational form and product characteristics have significant relationship with charges to some extent. Pricing strategy is also taken into consideration. The findings show that if insurance companies have low charges for personal pension, there is high probability they will have low charges for investment bonds

Fairguard: Harness Logic-based Fairness Rules in Smart Cities

Smart cities operate on computational predictive frameworks that collect, aggregate, and utilize data from large-scale sensor networks. However, these frameworks are prone to multiple sources of data and algorithmic bias, which often lead to unfair prediction results. In this work, we first demonstrate that bias persists at a micro-level both temporally and spatially by studying real city data from Chattanooga, TN. To alleviate the issue of such bias, we introduce Fairguard, a micro-level temporal logic-based approach for fair smart city policy adjustment and generation in complex temporal-spatial domains. The Fairguard framework consists of two phases: first, we develop a static generator that is able to reduce data bias based on temporal logic conditions by minimizing correlations between selected attributes. Then, to ensure fairness in predictive algorithms, we design a dynamic component to regulate prediction results and generate future fair predictions by harnessing logic rules. Evaluations show that logic-enabled static Fairguard can effectively reduce the biased correlations while dynamic Fairguard can guarantee fairness on protected groups at run-time with minimal impact on overall performance.Comment: This paper was accepted by the 8th ACM/IEEE Conference on Internet of Things Design and Implementatio

S3C: Semi-Supervised VQA Natural Language Explanation via Self-Critical Learning

VQA Natural Language Explanation (VQA-NLE) task aims to explain the decision-making process of VQA models in natural language. Unlike traditional attention or gradient analysis, free-text rationales can be easier to understand and gain users' trust. Existing methods mostly use post-hoc or self-rationalization models to obtain a plausible explanation. However, these frameworks are bottlenecked by the following challenges: 1) the reasoning process cannot be faithfully responded to and suffer from the problem of logical inconsistency. 2) Human-annotated explanations are expensive and time-consuming to collect. In this paper, we propose a new Semi-Supervised VQA-NLE via Self-Critical Learning (S3C), which evaluates the candidate explanations by answering rewards to improve the logical consistency between answers and rationales. With a semi-supervised learning framework, the S3C can benefit from a tremendous amount of samples without human-annotated explanations. A large number of automatic measures and human evaluations all show the effectiveness of our method. Meanwhile, the framework achieves a new state-of-the-art performance on the two VQA-NLE datasets.Comment: CVPR202

Structured air lasing of N2+

Structured light has attracted great interest in scientific and technical fields. Here, we demonstrate the first generation of structured air lasing in N2+ driven by 800 nm femtosecond laser pulses. By focusing a vortex pump beam at 800 nm in N2 gas, we generate a vortex superfluorescent radiation of N2+ at 391 nm, which carries the same photon orbital angular momentum as the pump beam. With the injection of a Gaussian seed beam at 391 nm, the coherent radiation is amplified, but the vorticity is unchanged. A new physical mechanism is revealed in the vortex N2+ superfluorescent radiation: the vortex pump beam transfers the spatial spiral phase into the N2+ gain medium, and the Gaussian seed beam picks up the spatial spiral phase and is then amplified into a vortex beam. Moreover, when we employ a pump beam with a cylindrical vector mode, the Gaussian seed beam is correspondingly amplified into a cylindrical vector beam. Surprisingly, the spatial polarization state of the amplified radiation is identical to that of the vector pump beam regardless of whether the Gaussian seed beam is linearly, elliptically, or circularly polarized. Solving three-dimensional coupled wave equations, we show how a Gaussian beam becomes a cylindrical vector beam in a cylindrically symmetric gain medium. This study provides a novel approach to generating structured light via N2+ air lasing.Comment: 18 pages, 5 figures, 3 equation

Noninvasive electromyometrial imaging of human uterine maturation during term labor

Electromyometrial imaging (EMMI) was recently developed to image the three-dimensional (3D) uterine electrical activation during contractions noninvasively and accurately in sheep. Herein we describe the development and application of a human EMMI system to image and evaluate 3D uterine electrical activation patterns at high spatial and temporal resolution during human term labor. We demonstrate the successful integration of the human EMMI system during subjects\u27 clinical visits to generate noninvasively the uterine surface electrical potential maps, electrograms, and activation sequence through an inverse solution using up to 192 electrodes distributed around the abdomen surface. Quantitative indices, including the uterine activation curve, are developed and defined to characterize uterine surface contraction patterns. We thus show that the human EMMI system can provide detailed 3D images and quantification of uterine contractions as well as novel insights into the role of human uterine maturation during labor progression

Efficacy of two different dosages of prednisone for treatment of subacute thyroiditis: a single-centre, prospective, randomized, open-label, non-inferiority trial

Introduction: The study aimed to explore the efficacy and safety of low-dose (LD) and regular-dose (RD) prednisone (PDN) for the treatment of subacute thyroiditis (SAT). Material and methods: Patients were randomly allocated using the block randomization method to the 2 groups. The primary outcome was the time required for PDN treatment. Secondary outcomes included percentages of relapse, mean score for the Morisky Medication Adherence Scale-8© (MMAS-8), time required for symptoms to resolve, cumulative PDN dose (mg), and mean erythrocyte sedimentation rate (ESR) at 2 weeks and at baseline. Results: The study cohort included 77 patients, randomized 74 participants, and 68 completed the study. There was no significant difference in the treatment duration between the LD and RD groups (55.31 ± 14.05 vs. 61.25 ± 19.95 days, p = 0.053). The mean difference in the time required for PDN treatment between the LD and RD groups was –1.86 [95% confidence interval (CI) = –10.64 to 6.92] days, which was within the non-inferiority margin of 7 days. There was a significant difference in the mean score for MMAS-8 between the LD and RD groups (5.84 ± 0.88 vs. 5.33 ± 1.12, p = 0.031). Also, there was a significant difference in the cumulative PDN dose between the LD and RD groups (504.22 ± 236.86 vs. 1002.28 ± 309.86, p = 0.046). The ESR at 2 weeks was statistically significant compared to baseline values in both groups, with pre-treatment and post-treatment ESRs of 49.91 ± 24.95 and 17.91 ± 12.60/mm/h, (p < 0.0001) in the LD group and 65.08 ± 21.77 and 17.23 ± 13.61/mm/h (p < 0.0001) in the RD group. Conclusion: Low-dose PDN therapy may be sufficient to achieve complete recovery and better outcomes for SAT. This study is registered with the Chinese Clinical Trial Registry (02/10/2021 ChiCTR2100051762)

Fructose Promotes Uptake and Activity of Oligonucleotides With Different Chemistries in a Context-dependent Manner in mdx Mice

Antisense oligonucleotide (AO)-mediated exon-skipping therapeutics shows great promise in correcting frame-disrupting mutations in the DMD gene for Duchenne muscular dystrophy. However, insufficient systemic delivery limits clinical adoption. Previously, we showed that a glucose/fructose mixture augmented AO delivery to muscle in mdx mice. Here, we evaluated if fructose alone could enhance the activities of AOs with different chemistries in mdx mice. The results demonstrated that fructose improved the potency of AOs tested with the greatest effect on phosphorodiamidate morpholino oligomer (PMO), resulted in a 4.25-fold increase in the number of dystrophin-positive fibres, compared to PMO in saline in mdx mice. Systemic injection of lissamine-labeled PMO with fructose at 25 mg/kg led to increased uptake and elevated dystrophin expression in peripheral muscles, compared to PMO in saline, suggesting that fructose potentiates PMO by enhancing uptake. Repeated intravenous administration of PMO in fructose at 50 mg/kg/week for 3 weeks and 50 mg/kg/month for 5 months restored up to 20% of wild-type dystrophin levels in skeletal muscles with improved functions without detectable toxicity, compared to untreated mdx controls. Collectively, we show that fructose can potentiate AOs of different chemistries in vivo although the effect diminished over repeated administration.This is the publisher’s final pdf. The article is copyrighted by the author(s) and published by Nature Publishing Group on behalf of the American Society of Gene and Cell Therapy. It can be found at: http://www.nature.com/mtna/journal/v5/n6/full/mtna201646a.htmlKeywords: antisense oligonucleotide, Duchenne muscular dystrophy, exon skipping, fructos