1. The Fruitvale Branch of Manzana Insurance is experiencing loss of business due to late renewals‚ and long lead times on new policies and quotes. These problems have created an opportunity for a competitor to take market share. Incorrect interpretation of company income for new policy versus policy renewals has placed an overemphasis on new policies that is causing loss of profitability. The company has official priorities with respect to turn around time and processing order of insurance policies
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Case Manzana Insurance: Fruitvale Branch Manzana Insurance is one of the largest property-liability insurers in California (USA). Fruitvale is one of Manzana’s smaller branches‚ with three underwriting teams supporting 76 agents in three geographical territories. Fruitvale is at this moment facing deteriorating profits due to operational problems. The effect of these operational problems is (particularly in comparison with competing insurers like Golden Gate) a high Turnaround Time (TAT)‚ a high
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Summary The main problem of Manzana Fruitvale is a significant loss in profits. It originates in operating performance failures characterized by a total throughput time of 8.2 days. This situation can be improved through structural changes in the underwriting process‚ reorganization of the incentive structure and redefinition of priorities concerning renewal policies. The total turnaround time (TAT) then decreases to 0.7 days. Industry Manzana Insurance is a leading player in the Californian commercial
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1.How is the Fruitvale Branch doing? How the branch is doing according to key external performance measures-financial performance‚ turnaround times‚ late renewals‚ and renewal rates. Fruitvale encounters a significant loss of business due to late renewals‚ and long lead times on new policies and quotes. From the following perspectives‚ we can have a better view of what Fruitvale Branch’s problems are:Financial performance: Profitability is declining. It suffered a loss of $174 and $121 in 1st and
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Using this online NPV Calculation Tool http://finance.thinkanddone.com/online-n… we get the following NPV at 15% Net Cash Flows CF0 = -3000000 CF1 = 1100000 CF2 = 1450000 CF3 = 1300000 CF4 = 950000 Discounted Net Cash Flows DCF1 = 1100000/(1+0.15)^1 = 1100000/1.15 = 956521.74 DCF2 = 1450000/(1+0.15)^2 = 1450000/1.3225 = 1096408.32 DCF3 = 1300000/(1+0.15)^3 = 1300000/1.52087 = 854771.1 DCF4 = 950000/(1+0.15)^4 = 950000/1.74901 = 543165.58 NPV Calculation NPV = 956521.74
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Date and Observations: I’ll send you the picture by text message: (561-542-5608) Calculations: 1. Write the balanced equation for the reaction conducted in this lab‚ including appropriate phase symbols. Mg(s) + 2HCl(aq) --> H2(g) + MgCl2(aq) 2. Determine the partial pressure of the hydrogen gas collected in the gas collection tube. The partial pressure of the hydrogen gas is 1.07 atm 3. Calculate the moles of hydrogen gas collected. pv=mrt ; n= .0013mol of hydrogen gas 4. If magnesium was
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CULINARY CALCULATIONS The Standardized Recipe The standardized recipe is the hallmark of the foodservice industry today. The information contained in the standardized recipe ensures that a consistent product is always served to the guest. A consistent product means the look‚ taste‚ texture‚ and portion size of the menu item is the same each time the item is prepared and served‚ regardless of who is in the kitchen on a given day. Each standardized recipe has a specific yield‚ which can be increased
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Many nurses are weak with drug calculations of all sorts. This article will help to review the major concepts related to drug calculations‚ help walk you through a few exercises‚ and provide a few exercises you can perform on your own to check your skills. There are many reference books available to review basic math skills‚ if you find that you have difficulty with even the basic conversion exercises. Common Conversions: 1 Liter = 1000 Milliliters 1 Gram = 1000 Milligrams 1 Milligram = 1000
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Yr: 2014 Yr: 2013 Remarks 1.1 Profitibality Ratio 1.1.1 ROE= x 100 = 10.71% x100 = 10.30% Higher the better 1.1.2 ROTA= x100 = 18.27% x100 = 19.45% Higher the better 1.1.3 GPM= x100 = 71.67% x100 =70.35% Higher the better 1.1.4 OPM= x100 =28.72% x100 =29.79% Higher the better 1.1.5 NPM= x100 =43.48% x100 =39.46% Higher the better 1.1.6 NPM= x100 =38.74% x100 =35.04% Higher the better 1.2 Asset Utilisation 1.2.1 TA TURN= x100 =18.27% x100 =19.45% Higher the better 1.2.2
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Sample Calculations I-Beam (S8x18.4) Dimensions: D= 8 in; h= 7.148 in; bf= 4.001 in; tw= 0.271in; tf= 0.426in; L (length of the beam) =18.4 in I= (bf*D3 – h3 (bf – tw))/12= 57.6 in4; E (Referenced value of Young’s modulus) = 29X106 psi Theoretical Strain: ε= σ/E= (M*y)/(E*I) P = load a = distance from support to the applied load (48 in) y = distance from neutral axis to the extreme element in y-direction The sing in the theoretical strain (±) determines if the strain is in compression
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