The Regulation of Specialty Policies in Life Insurance

Every entrepreneur is vitally concerned with selling methods. Success depends upon sales. Sales depend upon desire for the product. Desire for most products, including life insurance, is not inherent but is created by the efforts of the entrepreneur. In the case of life insurance, an effective job of creating the desire, i.e., of selling, is usually necessary to convince a prospective insurance buyer that over a long period he should allocate a significant portion of his income to the purchase of an intangible such as life insurance

Physiological serum 25-hydroxyvitamin D concentrations are associated with improved thyroid function—observations from a community-based program

Purpose: Vitamin D deficiency has been associated with an increased risk of hypothyroidism and autoimmune thyroid disease. Our aim was to investigate the influence of vitamin D supplementation on thyroid function and anti-thyroid antibody levels. Methods: We constructed a database that included 11,017 participants in a health and wellness program that provided vitamin D supplementation to target physiological serum 25-hydroxyvitmain D [25(OH)D] concentrations (>100 nmol/L). Participant measures were compared between entry to the program (baseline) and follow-up (12 ± 3 months later) using an intent-to-treat analysis. Further, a nested case-control design was utilized to examine differences in thyroid function over 1 year in hypothyroid individuals and euthyroid controls. Results: More than 72% of participants achieved serum 25(OH)D concentrations >100 nmol/L at follow-up, with 20% above 125 nmol/L. Hypothyroidism was detected in 2% (23% including subclinical hypothyroidism) of participants at baseline and 0.4% (or 6% with subclinical) at follow-up. Serum 25(OH)D concentrations ≥125 nmol/L were associated with a 30% reduced risk of hypothyroidism and a 32% reduced risk of elevated anti-thyroid antibodies. Hypothyroid cases were found to have higher mean serum 25(OH)D concentrations at follow-up, which was a significant positive predictor of improved thyroid function. Conclusion: The results of the current study suggest that optimal thyroid function might require serum 25(OH)D concentrations above 125 nmol/L. Vitamin D supplementation may offer a safe and economical approach to improve thyroid function and may provide protection from developing thyroid disease

The Repressors of mTORC1 Signaling, REDD1 and REDD2, Are Induced in Immobilized Rat Skeletal Muscle

Please view abstract in the attached PDF file

XWeB: the XML Warehouse Benchmark

With the emergence of XML as a standard for representing business data, new decision support applications are being developed. These XML data warehouses aim at supporting On-Line Analytical Processing (OLAP) operations that manipulate irregular XML data. To ensure feasibility of these new tools, important performance issues must be addressed. Performance is customarily assessed with the help of benchmarks. However, decision support benchmarks do not currently support XML features. In this paper, we introduce the XML Warehouse Benchmark (XWeB), which aims at filling this gap. XWeB derives from the relational decision support benchmark TPC-H. It is mainly composed of a test data warehouse that is based on a unified reference model for XML warehouses and that features XML-specific structures, and its associate XQuery decision support workload. XWeB's usage is illustrated by experiments on several XML database management systems

A multi-dimensional energy-based analysis of neighbourhood sustainability assessment tools: are institutional indicators really missing?

Neighbourhood Sustainability Assessment Tools (NSATs) have become the modern day template for urban planners to achieve sustainable development in their communities, districts and cities. The popularity of the pioneering NSATs led to the creation of other tools in different regions. Also, with the popularity and replication of these tools came the replication of their limitations. The most notable limitation and motivation for this study is the inadequate recognition of the complexities of institutional dimensions (i.e. policies, laws and regulation) that contribute to mainstreaming and operationalising sustainable neighbourhood development. Studies that have investigated NSATs generally argue lack of coverage of the institutional dimension. However, there has been little consistent and explicit mention of the precise indicators and criteria sought out to make this claim. Also, there is a clear confusion as to what institutional indicators actually are, what characteristics they possess and how best they can be identified. This study, via the lens of energy-based indicators, expands on the role of the institutional indicator and its associated dimensions. This study also utilises a multi-dimensional approach to indicator analysis and draws out current trend or characteristics of institutional indicators in 15 currently existing NSATs. The results show a limited view on the classification of institutional indicators. The study also demonstrates that there are more institutional indicators than previously reported in prior studies. Additionally, this study confirms that an institutional indicator cannot be a single entity or identity but rather it must operate under the linkage of the other dimensions (environment, social and economic). Finally, this study, based on the analysis of 15 NSATs provides a definition of what can be considered an institutional indicator. In conclusion, it is recommended that future development of NSATs should ensure a constant institutional link to indicators, as this could provide an enhanced alternative to the development of NSATs, particularly for regions that are looking into developing their own assessment tools

Research Notes: University of Wisconsin

Tissue culture methods may benefit soybean breeders if whole plants can be differentiated from aneuploid, mutated, fused, or haploid cells. However, in order to realize this potential, it must be possible to derive plantlets from previously undifferentiated tissues - and ultimately from masses of callus cells. This report summarizes the information we obtained concerning adventitious budding from soybean tissues (Kimball and Bingham, 1973), early stages of embryo formation within masses of callus cells, and actual differentiation of plantlets from callus tissue

Iron Sharpens Iron: A Student’s Perspective on Diversity Outreach

POWER (Providing the Outside World with Empowerment and Resources), a student organization within the Texas Tech’s Collegiate Recovery Program established December 2015, elaborated on their members experience when engaging in the important effort of diversity outreach to persons in recovery from substance and alcohol use disorders and eating disorders.  POWER describes their mission statement to provide a foundation and a voice for underrepresented individuals in recovery by delivering positive end results through opportunities for success with a vision to instill hope for a promising future. These members along with the director of the CCRC and another staff member shared what they have found to be most effective and ineffective when presenting to diverse groups in their community. The presenters provided educational and recovery resources used in reaching out but also the varying and tailored approaches and techniques utilized when conducting outreach work to specific marginalized populations.  These materials and techniques have been honed through many presentations and experience since 2015.  During their presentation, student leaders, and members of POWER, shared their own personal experiences of marginalization as well as their experience as presenters/peer leaders

Bulk versus brane running couplings

A simplified higher dimensional Randall-Sundrum-like model in 6 dimensions is considered. It has been observed previously by Goldberger and Wise that in such a self-interacting scalar theory on the bulk with a conical singularity there is mixing of renormalization of 4d brane couplings with that of the bulk couplings. We study the influence of the running bulk couplings on the running of the 4d brane couplings. We find that bulk quantum effects may completely alter the running of brane couplings. In particular, the structure of the Landau pole may be drastically altered and non-asymptotically free running may turn into asymptotically safe (or free) behavior.Comment: 11 pages, no figures, REVTeX

Shoreface and Beach Dynamics of the Coastal Region from Cape Henry to False Cape, Virginia

The processes which drive the beach and nearshore changes vary considerably in space and time. The spatial variability is the result of modulations of waves and wave induced processes by the complex topography of the shoreface and inner shelf fronting the beaches. In this study we employed a state-of-the-art computer model to evaluate the nature of these modifications and their impact on coastal processes. The model estimates wave modifications by shoaling, refraction, diffraction. and loss of wave energy by frictional interaction with the bottom