mk This page intentionally left blank Actuarial Mathematics for Life Contingent Risks How can actuaries best equip themselves for the products and risk structures of the future? In this new textbook‚ three leaders in actuarial science give a modern perspective on life contingencies. The book begins traditionally‚ covering actuarial models and theory‚ and emphasizing practical applications using computational techniques. The authors then develop a more contemporary outlook‚ introducing multiple
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Ch. 51- FAP: sequence of behaviors that are usually carried through to completion. Habituation:loss of sensitivity to unimportant stimuli. Associative learning: associating one stimulus with another. Class. Conditioning: association of an irrelevant stimulus with a fixed physiological response. Cognition: animal’s ability to perceive‚ store‚ process‚ and use info. from its sensory receptors. Agonistic behavior: contest to determine which competitor gains access to a resource. Ch. 54- Nitrogen fixation:
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CH10 The government debt totaled 27% of total credit market debt although this number has risen since that time.Mortgages comprised 28%‚ Corporate and Foreign Bonds 22% and Municipal Bonds 5% of total credit market debt in the third quarter of 2008. The issuing company may choose to call the bond and require the bondholder to turn in the bond in exchange for receiving the bond’s call price. A callable bond gives the issuing company the right to call in the bond by paying the bondholder the call price
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Hand-CARPAL BONES-Scaphoid‚ Lunate‚ Triquetrum‚ Pisiform‚ Trapezium‚ Trapezoid‚ Capitate‚ Hamate‚ Hamulus of Hamate-METACARPLES-PROXIMAL PHALANX-MIDDLE PHALANX (2-5)-DISTAL PHALANX Humerus A/V- Head‚ Grater/Lesser tubercle‚ Intertubercular sulcus‚ Surgical neck‚ deltoid tuberosity‚ Medial supracondylar ridge‚ radial fossa‚ Coronoid fossa‚ Medial epicondyle‚ Capirulim‚ Trochlea. P/V- Anatomical neck‚ Nutrient Foramen‚ Lateral supracondylar ridge‚ Olecranon Fossa. Femur-Fovea capitis‚ Head‚ Neak
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(1) Consolidated Statement of Income Operating Revenues Revenue from services Sales revenue Less: Credit Card Discount Less: Sales Discount Less: Sales Returns & Allowances Total revenues Operating Expenses Cost of goods sold Salaries expense Rent expense Advertising expense General and administrative expenses Depreciation expense Other operating expenses Total expenses Operating Income Other Items Investment income Interest expense Loss on PPE sold Income before Income Taxes
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ANSWERS Quiz 1 profit margin on sales for 2013. Net income/net sales. receivables turnover ratio net sales/average A/R inventory turnover ratio for 2013. COGs/average inventory asset turnover ratio for 2013.Net sales/average total sales average collection period for 2013.365/receive turnover ratio. average days in inventory for 2013.365 / inventory turnover ratio decimal place. return on assets for 2013. Profit margin*assets turnover. return on stockholders’ equity for 2013. Net income/ average
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1. Weapons serve as the tools that the soldiers must use > to do their job: killing beasts or men without getting > killed. As a artist may be fond of his paintbrush‚ the > soldiers greatly cherish their weapons. Often a weapon is > valued for its pedigree. The author often interrupts action > to delve into a weapon’s previous owners and its history. > In the introduction‚ Burton Raffel states‚ “The important > tools‚ in this poem‚ are weapons: proven swords and helmets > are handed down
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1. Detecting ‘self’ and ‘non self’ molecules: the role of antigens and the membrane receptors. Class I MHC molecules | Class II MHC molecules | * Are found on almost all nucleated cells of the body (so are not on red blood cells) * Body Cells that have become infected or become cancerous can display antigens by using their Class I MHC molecules on their cell surface * These antigens that get displayed were made inside these cells * Cytotoxic T cells will recognise antigens displayed
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Types of Forecasts: Judgmental Time Series Associative Models Judgmental Forecasts: Executive opinions Sales force Composite Consumer surveys Outside opinion Opinions of managers/staff Delphi technique Time Series Forecasts Level-Long-term “base” of the data Trend- long-term upward or downward movement in data Seasonability- short-term regular variations in data at constant time intervals Cyclicity- long term variations due to economic cycle Random variations- Caused by chance. Unpredictable-
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Forces What Is a Force? Forces represent the interaction of distinguishable objects. Specific forces: The weight W with magnitude W = m * g acts near Earth’s surface with g the gravitational acceleration. (m= mass) The normal force N is due to contact with a surface. It is directed perpendicular to the surface. The tension T is due to a taut‚ massless string. It is directed along the string. The external contact force Fext acts along the direction of the push. Unit: Force and force
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