A practitioners approach to individual claims models for bodily injury claims in german non-life insurance

The aim of our paper is to discuss the difficulties non-life actuaries are currently facing from a practical point of view. Based on this, we show that individual claims models are the key to address these difficulties and discuss how such models give actuaries a new and very powerful tool to explore further fields of application. Moreover, we address a very essential question: What data is needed for developing individual claims models? For bodily injury claims in German motor liability insurance, we shall derive specific attributes based on a detailed discussion of the legal background. All our ideas are based on practical experience for a large German motor insurance portfolio.

Risky interpretations across the length scales: continuum vs. discrete models for soft tissue mechanobiology

Modelling and simulation in mechanobiology play an increasingly important role to unravel the complex mechanisms that allow resident cells to sense and respond to mechanical cues. Many of the in vivo mechanical loads occur on the tissue length scale, thus raising the essential question how the resulting macroscopic strains and stresses are transferred across the scales down to the cellular and subcellular levels. Since cells anchor to the collagen fibres within the extracellular matrix, the reliable representation of fibre deformation is a prerequisite for models that aim at linking tissue biomechanics and cell mechanobiology. In this paper, we consider the two-scale mechanical response of an affine structural model as an example of a continuum mechanical approach and compare it with the results of a discrete fibre network model. In particular, we shed light on the crucially different mechanical properties of the ‘fibres’ in these two approaches. While assessing the capability of the affine structural approach to capture the fibre kinematics in real tissues is beyond the scope of our study, our results clearly show that neither the macroscopic tissue response nor the microscopic fibre orientation statistics can clarify the question of affinity.

Truth and Privilege

Truth and Privilege is a comparative study that brings together legal, constitutional and social history to explore the common law's diverging paths in two kindred places committed to freedom of expression but separated by the American Revolution. Comparing Nova Scotia and Massachusetts, Lyndsay Campbell examines the development of libel law, the defences of truth and privilege, and the place of courts as fora for disputes. She contrasts courts' centrality in struggles over expression and the interpretation of individual rights in Massachusetts with concerns about defining protective boundaries for the press and individuals through institutional design in Nova Scotia. Campbell's rich analysis acts as a lens through which to understand the role of law in shaping societal change in the nineteenth century, shedding light on the essential question we still grapple with today: what should law's role be in regulating expression we perceive as harmful?

CCST: Cell clustering for spatial transcriptomics data with graph neural network

Spatial transcriptomics data can provide high-throughput gene expression profiling and spatial structure of tissues simultaneously. An essential question of its initial analysis is cell clustering. However, most existing studies rely on only gene expression information and cannot utilize spatial information efficiently. Taking advantages of two recent technical development, spatial transcriptomics and graph neural network, we thus introduce CCST, Cell Clustering for Spatial Transcriptomics data with graph neural network, an unsupervised cell clustering method based on graph convolutional network to improve ab initio cell clustering and discovering of novel sub cell types based on curated cell category annotation. CCST is a general framework for dealing with various kinds of spatially resolved transcriptomics. With application to five in vitro and in vivo spatial datasets, we show that CCST outperforms other spatial cluster approaches on spatial transcriptomics datasets, and can clearly identify all four cell cycle phases from MERFISH data of cultured cells, and find novel functional sub cell types with different micro-environments from seqFISH+ data of brain, which are all validated experimentally, inspiring novel biological hypotheses about the underlying interactions among cell state, cell type and micro-environment.

Tracking Adaptation and Fidelity When Embedding COPE, Evidence-Based Dementia Care, in PACE Sites

One essential question in moving dementia care interventions to practice is, “What is the optimal balance between fidelity to, and adaptation of, a proven program in “real world” settings?" We present a protocol for measuring the adaptation/fidelity and implementation of an evidence-based dementia care program (Care of Persons in their Environment, COPE) in PACE settings. During pre-implementation, science-based elements of COPE were documented including the theory of change, logic model and core components. Possible adaptations to COPE in its delivery were identified and included program structure (sequence of sessions), content (assessments), and delivery methods (online). During implementation, documentation of implementation strategies is captured using an evidence-informed checklist derived from the Expert Recommendations for Implementing Change (ERIC) workgroup. Ongoing documentation of fidelity/adaptation aspects of program implementation is conducted using the FRAME framework. Understanding methods and measures deployed in adaptation and implementation of evidence-based dementia programs can help guide future translation efforts.

The Legacy of Rush Limbaugh Will Always Be Tied to Donald Trump

This article explores Rush Limbaugh’s efforts to tribalize American politics through his racially divisive, falsehood-ridden portrayal of President Obama. By playing and preying on white anxiety, the host laid the groundwork for the election of a president who essentially adopted his view of the Obama presidency. Limbaugh’s rhetoric about Obama serves as a case study whereby the most influential part of the conservative media during those years represents the whole. “How did we get here?” is the essential question right now in American politics. How did we go from a society that relatively easily elected Barack Obama twice to one that, popular vote loss aside, elected Donald Trump, and came within a small popular vote shift in three states from doing so again in 2020? Analyzing how Limbaugh ginned up white racial anxiety about a Black president helps us understand the rise of Trump, who began his White House campaign by serving as the nation’s birther-in-chief and who, in his reaction to the white nationalist terrorist attack in Charlottesville, Virginia, to name just one example, demonstrated his reliance on white identity politics. As Jamelle Bouie wrote: “You can draw a direct line to the rise of Trump from the racial hysteria of talk radio—where Rush Limbaugh, a Trump booster, warned that Obama would turn the world upside down.”

Striking a Balance between Free Association and Regulating Membership of a ‘Community’: Exploring s 235 of the Constitution of South Africa

Section 235 of the Constitution of South Africa contains a promise of potential self-determination of language and cultural communities. An essential question arising from this promise is how an individual’s freedom of association interacts with the ability of a community to determine its membership. This article reflects on this question with reference to standards developed in international law and practices in the constitutional law of selected case studies. Whereas international law sets a universal standard of free association, states have developed practices whereby the individual’s right to free association is recognised, but where there are also some measures allowed to ensure that an individual is indeed accepted by and part of the community. Any conflicts that arise are, generally speaking, subject to a form of judicial review.

Functional responsibility for internal communication management and its integration in contemporary businesses

Purpose Despite the proven link between internal communication and more effective business results, only a few attempts have been made to answer the essential question of who is responsible for managing internal communication in an organisation. This paper aims to examine the presence of internal communication management (ICM) practices in companies in Latvia and launch a new discussion on who should manage internal communication in a modern company to support business strategy and development. Design/methodology/approach In the first phase of the study, a survey was conducted in three business sectors in Latvia involved in managing and implementing the internal communications function. Using the multiple case study method, the second phase of the study examined in-depth, ICM and the implementation practices in four different Latvian companies. In total, 13 in-depth interviews were conducted within 4 companies, and thematic analysis was used to analyse the material gained from the interviews. Findings The target companies and relevant professionals from different fields have divergent opinions about who should manage the internal communication function. From the research across four companies, it was concluded that internal communication was implemented in a fragmented manner. There was a weak understanding of the meaning and goal of internal communication. The potential of effective internal communication in reaching strategic goals has not been realised. Responsibility for ICM is often limited to the reactive performance of public relations departments, human resources or marketing specialists. The companies clearly did not have a defined scope of responsibilities for managing internal communication amongst the different parts of their organisations. It can be concluded that company managers should pay attention to how internal communication is conducted, clearly delegate this function to a manager and define the expected results that meet the company’s strategic goals. The results of this research can be used to inform recommendations for integrating the ICM function. Originality/value Only a few research papers have discussed responsibility for internal communication functions. This research particularly fills this gap and emphasises the need to assign responsibility for an organisation’s ICM function as it is the core factor in strategic implementation and input related to business goals.

35 Detecting Effective Starting Point of Genomic Selection by Divergent Trends from BLUP and ssGBLUP

Genomic selection has been adopted nationally and internationally in different livestock and plant species. However, understanding whether genomic selection has been effective or not is an essential question for both industry and academia. Once genomic evaluation started being used, estimation of breeding values with pedigree BLUP became biased because this method does not consider selection using genomic information. Hence, the point of divergence of genetic trends obtained with BLUP and Single-step genomic BLUP (ssGBLUP) may indicate the start date of genomic selection. This study aimed to find the start date of genomic selection for a set of economically important traits in pigs and Angus cattle by comparing genetic and Realized Mendelian sampling (RMS) trends obtained using BLUP and ssGBLUP. In pigs, the genetic trends from ssGBLUP and BLUP diverged for all traits with different intensity. In beef cattle, the trends started diverging in 2009 for weaning weight and in 2016 for postweaning gain, with little divergence for birth weight. In pigs, the RMS trends from ssGBLUP and BLUP diverged strongly for one trait and weakly for another trait. In beef cattle, the RMS trends started diverging in 2009 for weaning weight and in 2016 for postweaning gain, with little trend for birth weight. Divergence of the genetic trends from ssGBLUP and BLUP indicate onset of the genomic selection. Presence of trends for RMS indicates selective genotyping, with or without the genomic selection. The onset of genomic selection and genotyping strategies agree with industry practices across the two species. In summary, the effective start of genomic selection can be detected by the divergence between genetic and RMS trends from BLUP and ssGBLUP.

Common Places: Sharing Spaces in Early Modern ‘Ordinary’ Houses

The debate on common spaces inside buildings is linked to twentieth-century forms of popular housing, often devoid of places and opportunities to share a space which is conceived as fragmented and not collective. In recent years, an interest in the appropriation of urban space from the bottom up and the unanimous recognition of the need for places to meet within (or annexed to) buildings, have led to the definition of these ‘intermediate spaces’ as an essential part of living together. Compared to these common spaces, early modern houses pose an essential question: how was proximity within buildings structured, prior to the birth of intimacy? The well-known different perception of promiscuity, in fact, allowed a different structuring of collective housing and a physical proximity that coexisted with the strong social distance sanctioned by inequality by birth. To answer this question, the article examines the types of intermediate spaces, called loci comuni – stairs, landings, passages and courtyards – rather well-known in noble residences, much less in the houses of the popular classes. Through sources such as the fund of the Presidenza delle strade, inventories, land registers, notarial deeds of sale of houses and experts’ estimations, the article will investigate the uses of these spaces made by their inhabitants.