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28.11.2013
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Every single famous person you will see in this quiz has influenced the world one way or another. It’s been a long time since I had so much fun guessing the faces that were popular since I was a little girl. A common misconception about market cycles is they are caused by reactions to changes in loss ratio- when losses start trending up, the market reacts with higher prices. Of course there will always be shock industry events or shifting trends that will drive price changes, so market cycles will never truly disappear, but they need to be relied on less when making pricing decisions.
When carriers know what they insure, they can make rational pricing decisions at the account level regardless of how the larger market is pricing. What’s our potential vulnerability if the competition uses predictive analytics and we don’t?
World-class implementation, leadership and execution allowed this insurer to improve performance while growing premium. Learn why Valen is calling this a pivotal year for insurers competing in an increasingly data-driven environment. Hard X-rays can penetrate solid objects, and their largest use is to take images of the inside of objects in diagnostic radiography and crystallography.
The roentgen (R) is an obsolete traditional unit of exposure, which represented the amount of radiation required to create one electrostatic unit of charge of each polarity in one cubic centimeter of dry air.
The rad is the (obsolete) corresponding traditional unit, equal to 10 millijoules of energy deposited per kilogram. The sievert (Sv) is the SI unit of equivalent dose, which for X-rays is numerically equal to the gray (Gy).
X-rays are generated by an X-ray tube, a vacuum tube that uses a high voltage to accelerate the electrons released by a hot cathode to a high velocity.
In crystallography, a copper target is most common, with cobalt often being used when fluorescence from iron content in the sample might otherwise present a problem. X-ray fluorescence: If the electron has enough energy it can knock an orbital electron out of the inner electron shell of a metal atom, and as a result electrons from higher energy levels then fill up the vacancy and X-ray photons are emitted. So the resulting output of a tube consists of a continuous bremsstrahlung spectrum falling off to zero at the tube voltage, plus several spikes at the characteristic lines.
In medical diagnostic applications, the low energy (soft) X-rays are unwanted, since they are totally absorbed by the body, increasing the dose. To generate an image of the cardiovascular system, including the arteries and veins (angiography) an initial image is taken of the anatomical region of interest. A specialized source of X-rays which is becoming widely used in research is synchrotron radiation, which is generated by particle accelerators.
The most commonly known methods are photographic plates, photographic film in cassettes, and rare earth screens. Before the advent of the digital computer and before invention of digital imaging, photographic plates were used to produce most radiographic images.
Since photographic plates are sensitive to X-rays, they provide a means of recording the image, but they also required much X-ray exposure (to the patient), hence intensifying screens were devised. Areas where the X-rays strike darken when developed, causing bones to appear lighter than the surrounding soft tissue.
Contrast compounds containing barium or iodine, which are radiopaque, can be ingested in the gastrointestinal tract (barium) or injected in the artery or veins to highlight these vessels. An increasingly common method is the use of photostimulated luminescence (PSL), pioneered by Fuji in the 1980s. The PSP plate can be reused, and existing X-ray equipment requires no modification to use them. For many applications, counters are not sealed but are constantly fed with purified gas, thus reducing problems of contamination or gas aging. Some materials such as sodium iodide (NaI) can "convert" an X-ray photon to a visible photon; an electronic detector can be built by adding a photomultiplier. Nighttime patrol ends with the boys cornering two car thieves in a shopping mall parking garage with a truckload of stolen hubcaps.


Chief assigns the boys to the local zoo; they think to solve a crime, but actually to teach them a lesson in cleanliness. Trevor uncovers a Tijuana-style enamel-on-velvet painting of an Aztec hummingbird god in a bookcase.
Tow foolishly buys a map to a goldmine from a seedy character on the Las Vegas strip; he and Sasha and their stumblebum underlings immediately head out across the desert. The boys are playing with a radio remote-control truck, sending it down the block for pizza. The boys are working on a carnival midway when Sasha gets mistaken for a late-arriving contortionist known as the Inside-Out Girl. When Spark and Plug run out of gas on the freeway, Tow fires them and proudly shows off their replacement: a baby elephant who trumpets her greeting and pushes cars around the salvage yard all day for the cost of hay and peanuts. Control X assigns the boys to work as executive protection for a visiting European royal prince and his son on their visit to Los Angeles.
The boys mistake a Replacement Wanted poster outside a firehouse a€“ the station is retiring their aged Dalmatian firehouse dog a€“ for a recruitment poster as junior firefighters. From musicians, through actors and entertainers, to politicians and people from the business area. I know you are an adult who would easily guess every single person, but wait until you see the proposed answers.
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So when the market overreacts and increases prices too much, it results in very low loss ratios, increased competition, and prices decreasing into a softening market. Bohra compiled a graph of past workers’ compensation market cycles, as shown in the image below. Contrary to the other two lines, this one has been virtually flat since 1995, meaning that on an aggregate basis, there has been no fundamental change in loss rate for the past 20 years.
We see now that market cycles are led by pricing inefficiency, and more carriers are becoming increasingly sophisticated with pricing through the use of predictive analytics, rather than reacting to broader market trends.
In a hard market they can accumulate the best new business by correctly offering them quotes below the market price. He serves as an advocate for Valen’s clients, bridging the gap that sometimes grows between technical modeling and client service teams, executives, actuaries, and underwriters. This process produces an emission spectrum of X-ray frequencies, sometimes referred to as the spectral lines.
The intensity of the X-rays increases linearly with decreasing frequency, from zero at the energy of the incident electrons, the voltage on the X-ray tube. A second image is then taken of the same region after iodinated contrast material has been injected into the blood vessels within this area. The contrast compounds have high atomic numbered elements in them that (like bone) essentially block the X-rays and hence the once hollow organ or vessel can be more readily seen. In modern hospitals a photostimulable phosphor plate (PSP plate) is used in place of the photographic plate. Meanwhile the neighbors are petitioning the city to demolish the Steffia€™s derelict house. Meanwhile we dissolve back to Aztec times where the high priest known as The Overlord, surveying the poor harvest and resulting famine, orders a warrior bat to go a€?through the portala€? to find a suitable sacrificial victim. Downstairs the Steffis find free tickets to a Monster Tow Truck Pull in the citya€™s domed arena. But first the boys have to attend a Diplomatic Protocol School, known among the bodyguard community as a€?Charm School,a€? and run by a prune-faced Miss Nicely.
Then when prices fall in soft markets, carriers make the opposite choice and see how low they will let prices go before throwing in the towel and letting a lower-priced competitor take the good business. In this aggregate view of the work comp industry results, the blue line represents accident year loss ratio and the red line represents price. So when they’re in a soft market, they can shed the worst renewal business to their naive competitors. He helps the models drive success stories as they translate how data analytics helps people make better decisions and deliver tangible results.


The spectral lines generated depend on the target (anode) element used and thus are called characteristic lines. These two images are then digitally subtracted, leaving an image of only the iodinated contrast outlining the blood vessels. Photographic film largely replaced these plates, and it was used in X-ray laboratories to produce medical images. In the pursuit of a non-toxic contrast material, many types of high atomic number elements were evaluated. After the plate is X-rayed, excited electrons in the phosphor material remain "trapped" in "colour centres" in the crystal lattice until stimulated by a laser beam passed over the plate surface. Electrons accelerate toward the anode, in the process causing further ionization along their trajectory.
The boys scramble to the target the LA power plant where Sebastiana€™s quick thinking to surround the plant with refrigerator trucks generates a cool zone, which diverts the missile to the desert. Soon the boys are bowing and scraping, learning the doa€™s and dona€™ts of proper table etiquette, and holding the door for each other, resulting in madcap mayhem.
We see volatility in both, but is price reacting to loss ratio or are movements in loss ratio a result of changes in price? The radiologist or surgeon then compares the image obtained to normal anatomical images to determine if there is any damage or blockage of the vessel. In more recent years, computerized and digital radiography has been replacing photographic film in medical and dental applications, though film technology remains in widespread use in industrial radiography processes (e.g. For example, the first time the forefathers used contrast it was chalk, and was used on a cadaver's vessels. This process, known as a Townsend avalanche, is detected as a sudden current, called a "count" or "event". In grateful thanks the city throws a party for the boys; clowning around on roller skates, Nacho lights his gas, which results in the missile turning around and zeroing in on him. From 2006 to 2008, Bret served as CFO of an environmental consulting and construction firm. When the film is developed, the parts of the image corresponding to higher X-ray exposure are dark, leaving a white shadow of bones on the film. Back at the firehouse the boys suffer through various menial jobs without getting closer to becoming firefighters. Immediately prior to this, Bret held numerous positions including Senior Actuary, Underwriting Director, and Predictive Modeling Manager during his ten-year tenure at Travelers.
Photographic plates are mostly things of history, and their replacement, the "intensifying screen", is also fading into history.
The metal silver (formerly necessary to the radiographic & photographic industries) is a non-renewable resource.
Thus it is beneficial that this is now being replaced by digital (DR) and computed (CR) technology. As they talk, the house flies overhead, accidentally snagged by the house movers on a low slung power line, and lands on its site in the new neighborhood. Where photographic films required wet processing facilities, these new technologies do not. The boys fly into their new attic home unseen by the family downstairs but eyed unhappily by Schizo the cat. Tow tracks down his missing a€?employeea€? and threatens Spark and Plug; they stammer and stutter but he doesna€™t listen to them as a huge, African elephant looms up behind him.
The boys arrange a formal dinner for the Prince and Sasha; her atrocious table manners he finds cute, her crude language prompted by Nacho whispering in her ear makes him laugh. But when she criticizes the chimpa€™s dancing ability, the Prince sees her true nature and his heart turns cold; he follows the escape route laid out by the boys and Tow and Sasha are reunited.



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