The single most important number in the accounts of a non-life insurance company is likely to be the estimate of the outlying liabilities. Since nonlife insurance is a major part of our financial industry (amounting to up to 5% of BNP in western countries), it is perhaps surprising that mathematical statisticians and experts of operational research (the natural experts of the underlying problem...

Photodynamic therapy (PDT) has significant promise in improving outcomes of patients with a variety of cutaneous conditions. A group of experts met to review the principles, indications, and clinical benefits of PDT with 5-aminolevulinic acid (ALA). They also reviewed PDT with methyl aminolevulinate. The experts established consensus statements for pretreatment, posttreatment, ALA contact time,...

the purpose of this research was to study the role of non-governmental organization inpreserving of urban green areas in the city of tehran. this is a descriptive-correlationresearch method. population of this study was 120 active members of two non-governmentalorganizations in tehran. after distributing the questionnaires, 62 questionnaires werereturned. content and face validity of the instru...

so far, the financial experts could not calculate independent earnings to have a necessary quality. in this case, they can reach a range of earnings, which show a more correct form of quality of earnings, of course with performing the suitable equitabilities. therefore, the concept of quality of earnings is not a fixed defining. however, it is a relative concept that depends to its relation to ...

We review research on financial expertise and provide a foundation for future empirical advances in behavioral finance. The expert-performance approach is introduced and used to reveal the circumstances in which financial professionals display superior and reproducible stock selection skill (expertise). However, expert performance does not on average exceed transaction costs and data suggest th...