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Retailers regularly target users with online ads based on their web browsing activity, benefiting both the retailers, who can better reach potential customers, and content providers, who can increase ad revenue by displaying more e↵ective ads. The e↵ectiveness of such ads relies on third-party brokers that maintain detailed user information, prompting privacy legislation such as “do-not-track” ...
abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...
Conversations are a basic unit of analysis in studies of human interaction. These units are conventionally distinguished by reference to the set of ratified participants who take part, often by appeal to their physical proximity/orientation. We show that within such conversational units there are distinct dialogue contexts which are more fine-grained than this. We present experimental evidence ...
Presence Information Data Format (PIDF) defines a common presence data format for Common Profile for Presence (CPP) compliant presence protocols. This memo defines a PIDF extension to represent SIP User Agent capabilities. Lonnfors & Kiss Standards Track [Page 1] RFC 5196 User Agent Capability Presence Status September 2008 Table of
insurers have in the past few decades faced longevity risks - the risk that annuitants survive more than expected - and therefore need a new approach to manage this new risk. in this dissertation we survey methods that hedge longevity risks. these methods use securitization to manage risk, so using modern financial and insurance pricing models, especially wang transform and actuarial concepts, ...
to teach english adequately, qualified teachers are needed. unfortunately, there are still teachers who are teaching english without an academic degree in tefl. it is necessary for teachers to have a major in english to have subject knowledge, but it is not sufficient. teachers need to have an understanding of the social, cultural, moral, ethical, and pedagogical issues of education and practic...
abstract pragmatics is the study of communicative action in its sociocultural context. communicative action includes not only using speech acts (such as apologizing, complaining, complimenting, and requesting), but also engaging in different types of discourse and participating in speech events of varying length and complexity. the present study aimed to investigate the assessment of pragm...
There is good evidence that some ape behaviors can be transmitted socially and that this can lead to group-specific traditions. However, many consider animal traditions, including those in great apes, to be fundamentally different from human cultures, largely because of lack of evidence for cumulative processes and normative conformity, but perhaps also because current research on ape culture i...
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