Medicare's resource-based relative value scale (RBRVS) was implemented 1 January 1992 for physician payment using a conversion factor of $31 for each relative value unit (RVU). We calculated a conversion factor of $42.24 for The Travelers Insurance Company's group health plan business using the RBRVS methodology and the calendar year 1990 Travelers Large Case Norms Extract of active employees. ...

Numerous firms offer competing ratings of insurer financial condition. Insurance consumers, producers, and others commonly puzzle over which rating is more accurate. A 1994 Government Accounting Office (GAO) report judged the performance of a group of these insurance rating agencies. That report focused on Type I error (i.e., too high a rating on an insurer that defaults) rather than an appropr...

We consider the fair martingale prize of insurance contracts with benefit received either at the insurer's demise or at maturity. We show how to modify the dynamics of the underlying so as to incorporate the possibility that the traded stock has a strong support at some level. The resulting dynamics is integrated and the fair prize of several natural endowment-insurance contracts is obtained.

The regulatory stringency of New York insurance law, along with its extraterritorial application, makes it unique among state regulatory jurisdictions. This is the first study to simultaneously examine the relation between a broad array of firm-specific characteristics and the probability of being licensed in New York. We make predictions about expected characteristics of New York licensed life...

Many proteins are composed of structural and chemical features—“sites” for short—defined by definite interaction capabilities, such as non-covalent binding or covalent modification of other proteins. This modularity allows for varying degrees of independence, as the behavior of a site might be controlled by the state of some but not all sites of the ambient protein. Independence quickly generat...

There are wide individual differences in pharmacokinetic parameters of mycophenolate mofetil (MMF) among transplanted patients. Some studies have shown that single nucleotide polymorphisms (SNPs) of the Uridine Diphosphate Glucuronosyl Transferase1A9 (UGT1A9) are responsible for these differences in early days after transplantation. Therefore it was decided to evaluate the influence of UGT poly...

There are wide individual differences in pharmacokinetic parameters of mycophenolate mofetil (MMF) among transplanted patients. Some studies have shown that single nucleotide polymorphisms (SNPs) of the Uridine Diphosphate Glucuronosyl Transferase1A9 (UGT1A9) are responsible for these differences in early days after transplantation. Therefore it was decided to evaluate the influence of UGT poly...

this paper assesses the design guidelines of different classification codes for the liquefied natural gas carriers considering the effect of liquid sloshing. with regard the increasing importance of lng carriers in today’s marine transportation, and also considering that the marine accidents involve significant loss, classification societies by regulating national and international standards ai...