Implications of Money-Back Guarantees for Individual Retirement Accounts: Protection Then and Now

Money-Back Guarantees in Individual Pension Accounts: Evidence from the German Pension Reform

The German Retirement Saving Act instituted a new funded system of supplementary pensions coupled with a general reduction in the level of state pay-as-you-go old-age pensions. In order to qualify for tax relief, the providers of supplementary savings products must offer a guarantee of the nominal value at retirement of contributions paid into these saving accounts. This paper explores how this...

The OSCILLATE trial: Implications for respiratory therapists then and now

McMaster University, Hamilton, Ontario Correspondence: Ms Lori Hand, McMaster University c/o Hamilton Health Sciences, McMaster Clinics Room 432, 237 Barton Street East, Hamilton, Ontario L8L 2X2. Telephone 905-527-4322 ext 44553, fax 905-527-0250, e-mail [email protected] Acute respiratory distress syndrome (ARDS) continues to be associated with a high mortality rate, ranging from 26% to 28% (1...

Schizophrenia: Then and Now

EPS—Then and Now

"Slime" played a brief and spectacular role in the 19th century founded by the theory of primordial slime by Ernst Haeckel. However, that substance was never found and eventually abandoned. Further scientific attention slowly began in the 1930s referring to slime as a microbial product and then was inspired by "How bacteria stick" by Costerton et al. in 1978, and the matrix material was conside...

Then and Now