Guaranteed Annuity Options (GAOs) are options available to holders of certain pension policies. Under these contracts, policyholders contribute premiums into a fund managed by the insurer. At retirement, the policyholders buy life annuities at a guaranteed rate provided by the original insurer, or annuitize with another insurer. If the guaranteed annuity rates are better than the prevailing rat...

This article assesses insurance uptake in three community-based health insurance (CBHI) schemes located in rural parts of two of India's poorest states and offered through women's self-help groups (SHGs). We examine what drives uptake, the degree of inclusive practices of the schemes and the influence of health status on enrolment. The most important finding is that a household's socio-economic...

hymenolepis diminuta is a cestode frequently found in rodents and humans. species of flour moths of the genus pyralis and bee­tles in the genus tribolium are common intermediate hosts. humans can be accidentally infected through the ingestion of the insects, including larvae in precooked cereals, dried fruits or other food items, and directly by ingesting the insects from the environment. this ...

abstract because of relation between digestive enzyme activity and feeding of insects that directly is in relation with the damage of insects; studying digestive enzyme systems is important in finding new control methods based on inhibiting digestive enzyme activity. recently using transgenic plants containing enzyme inhibitors is important in improving resistance of crops to pests because of s...

Fungus-growing termites have long been considered as ecosystem engineers for the modifications they make to soil, through their ability concentrate nutrients and create patches of fertile land. However, few studies highlighted degree which, in building mounds, are able modify grain-size distributions sediments soils surroundings. Therefore, aim this study is document potential impact fungus-gro...