Most individual life insurance policies lapse, with lapsers cross-subsidizing non-lapsers. We show that and lapse patterns predicted by standard rational expectations models are the opposite of those observed empirically. propose two behavioral consistent evidence: (i) consumers forget to pay premiums (ii) understate future liquidity needs. conduct surveys a large insurer. New buyers believe th...

Reservoir modeling is the process of generating numerical representations of reservoir conditions and properties on the basis of geological, geophysical, and engineering data measured on the Earth’s surface or in depth at a limited number of borehole locations. Therefore, reservoir modeling requires an incorporation of the data from a variety of sources, along with an integration of knowledge a...

The United States federal animal welfare regulations and the Public Health Service Policy on Humane Care and Use of Laboratory Animals require that institutional animal care and use committees (IACUCs) conduct continuing reviews of all animal research activities. However, little is known about the lapse rate of IACUC continuing reviews, and how frequently investigators continue research activit...

BACKGROUND Addiction to narcotics ‎can cause serious problems and ‎monetary losses. Therapeutic ‎success can be predicted ‎through identifying lapse risk ‎factors.‎ OBJECTIVE Determining Job Risk ‎Factor of Lapse.‎ METHODS This was a cross ‎sectional study on 351 addicts ‎visiting five methadone clinics. A ‎Data collection sheet consisting ‎of questions on demographic ‎and job information w...

Using a data set with approximately four years of elapsed time between the earliest and most recent images of an iris (23 subjects, 46 irises, 6,797 images), we investigate template aging for iris biometrics. We compare the match and nonmatch distributions for short-time-lapse image pairs, acquired with no more than 120 days of time lapse between them, to the distributions for long-time-lapse i...

Glacier mass-balance models that employ the degree-day method of melt modeling are most commonly driven by surface air temperatures that have been downscaled over the area of interest, using digital elevation models and assuming a constant free air lapse rate that is often taken to be the moist adiabatic lapse rate (MALR: –6.58Ckm). Air-temperature lapse rates measured over melting glacier surf...