This paper presents the results of a laboratory experiment designed to investigate whether the option of a Prize Linked Savings (PLS) product alters the likelihood that subjects choose to delay payment. By comparing PLS and standard savings products in a controlled way, we find strong evidence that a PLS payment option leads to greater rates of payment deferral than does a straightforward inter...

This paper shows that some policy features are crucial to explain the decision of the policyholder to surrender her contract. We point it out by applying two segmentation models to a life insurance portfolio : the Logistic Regression model and the Classification And Regression Trees model. Protection as well as Savings lines of business are impacted, and results clearly explicit that the profit...

RFC 6724 defines default address selection mechanisms for IPv6 that allow nodes to select an appropriate address when faced with multiple source and/or destination addresses to choose between. RFC 6724 allows for the future definition of methods to administratively configure the address selection policy information. This document defines a new DHCPv6 option for such configuration, allowing a si...

In Japan, neoliberal discourses rationalize English language proficiency as a pathway to meritocratic reward and success in the global knowledge economy. With this ideology mind, review engages market orientation of domestically causative implications class-distinguished capital. Specifically, Bourdieu’s theory social reproduction is employed foster comprehension Japanese foreign policies which...

The Northern Sea Route (NSR) is an emerging alternative route to the Suez Canal; however, inconclusive research exists on its benefits and viability. This paper uses a two-stage Delphi approach collect qualitative data from experts, what actions Nordic countries (Nordic are Denmark, Norway, Sweden, Finland, Iceland, as well Faroe Islands, Greenland, Åland Co-operation, 2020)) can undertake prep...

We consider a model in which two players choose between learning about the quality of a risky option (modelled as a Poisson process with unknown arrival rate), and competing for the use of a single shared safe option that can only be used by one agent at a time. Firstly, when players cannot reverse their decision to switch to the safe option, the socially optimal policy makes them experiment fo...

Most real-world reinforcement learning problems have a hierarchical nature, and often exhibit some degree of partial observability. While hierarchy and partial observability are usually tackled separately, we illustrate on a complex robotic task that addressing both problems simultaneously is simpler and more efficient. We decompose our complex partially observable task into a set of sub-tasks,...

Abstract Introduction Community Conservation Initiatives o Two Regions with Special Partnerships and Selective Strategies o Example 1: West Coast Vancouver Island (WCVI) o Example 2: Lower Fraser River Summary Analysis of Key Barriers to Community Conservation Initiatives and Options for Overcoming Identified Barriers o Category 1 Barriers  Barrier: Government's Desire to Control Data  Option...