We study how altruism networks affect the adoption of formal insurance. Agents have private CARA utilities and are embedded in a network altruistic relationships. Incomes subject to both common shock large idiosyncratic shock. can adopt insurance cover show that ex-post transfers induce interdependence ex-ante decisions. characterize Nash equilibria game. decisions substitutes number adopters i...

Abstract We construct text-based measures of the primary concerns listed firms associated with spread COVID-19 and other epidemic diseases. identify which perceive to lose or gain from a given textually decompose epidemic's effect on firm's demand supply. find that effects manifest as simultaneous shock supply, both shocks affecting firms’ market valuations in equal measure average. By contrast...

BACKGROUND Burnout is a prolonged response to chronic emotional and interpersonal stressors on the job, defined by 3 dimensions: exhaustion, depersonalization, and reduced personal accomplishment. While there is a growing body of research on burnout in physicians, there is a dearth of literature on burnout in pain medicine physicians. OBJECTIVE This study aimed to determine the incidence of b...

This paper describes the use of Pichia pastoris X-33 as a bioremediator to reduce the chemical oxygen demand (COD), total Kjeldahl nitrogen (TKN), and phosphorus (P-PO(4) (3-)), after culture in parboiled rice effluent supplemented with p.a. glycerol or a glycerol by-product of the biodiesel industry. The greatest reduction in the COD (55%), TKN (45%), and P-PO(4) (3-) (52%) of the effluent was...

Global guidelines for new technologies are based on cost and efficacy data from a limited number of trial locations. Country-level decision makers need to consider whether cost-effectiveness analysis used to inform global guidelines are sufficient for their situation or whether to use models that adjust cost-effectiveness results taking into account setting-specific epidemiological and cost het...

This paper analyzes a household's optimal demand for reverse mortgage. We study rich life-cycle model that can explain the low mortgages as observed in US data. find is particularly pronounced cash-poor, house-rich retirees, and households with strong bequest motive pension income. analyze response of household confronted health shock or financial disaster. If an agent suffers from unexpected s...

This study constructs an agent-based model suitable for analyzing the propagation of economic shocks based on a macroeconomic structure that covers major entities. Instead setting upstream and downstream firms in inter-firm networks, our includes mechanism connects each firm through supplier–customer relationships incorporates interactions between mutually buying selling intermediate input mate...

The objectives of the study were: (i) to examine the efficiency of nutrient removal during the treatment of dairy farm effluent in a two-pond system, and (ii) to produce an inexpensive but effective nutrient trap which could be recycled as a nutrient source or soil mulch. The concentration of chemical oxygen demand (COD), biological oxygen demand (BOD), nitrogen (N), phosphorus (P) and potassiu...

The characterization of landfill leachate has been well established. However, its biodegradation properties have not been well reported. Therefore, this research was undertaken to investigate the biodegradability of semi-aerobic sanitary landfill and the ratio of the biological oxygen demand (BOD) to chemical oxygen demand (COD) BOD5/COD, COD fraction on leachate from Pulau Burung landfill Site...

The health of a river depends on the quality of its water, which is influenced by the presence of pollutants. The quality of water is generally assessed by a range of parameters, which express physical, chemical and biological composition of water (Meybeck and Helmer 1992). This research deals with some specific water quality parameters of the Buriganga River, which include: temperature, pH, di...