this study investigated utilization of electronic learning facilities among agricultural students in michael okpara university of agriculture, umudike. one hundred and twenty (120) students undergoing training in different agricultural courses in the university were randomly selected. data were collected with a structured questionnaire and analyzed with descriptive statistics such as frequency ...

We study longevity and usage of medical resources of a sample of individuals aged 65 years or more who are covered by a private insurance policy. A longitudinal analysis is presented, where the yearly cumulative number of medical coverage requests by each subject characterizes insurance intensity of care until death. We confirm that there is a significant correlation between the longitudinal da...

communication. Later on electronic connections have been established to other financial institutions and to major business customers. The SWIFT network managing international payment transactions established in 1973, is an early example of this. A major barrier towards development of a full digital circuit, which includes all steps in production and distribution, has been the lack of an extensi...

This paper considers models of intratemporal consumption–labor choice and intertemporal consumption choice under heterogeneity and private information in preferences towards labor. We show that market regime regarding unemployment insurance is important to determine the effects of heterogeneity and private information on allocations and valuations. There are two main results. First, intertempor...

Insurers’ Use of Vehicle Telematics Data Offers Lessons to Other Industries Vehicle telematics technology involves the collection, transmission and analysis of data collected from a device installed in a motor vehicle. Such usage-based driving information is a powerful decision-making tool for auto insurance companies. Decades of auto insurance practices are changing as insurers start to price ...