In insurance applications yearly claim totals of different coverage fields are often dependent. In many cases there are numerous claim totals which are zero. A marginal claim distribution will have an additional point mass at zero, hence this probability function (pf) will not be continuous at zero and the cumulative distribution functions will not be uniform. Therefore using a copula approach ...

I argue that God’s holiness as conceived in Hebrew Scripture grounds human obligations to obey divine commands. To disobey the commands of a holy God would disrespect basic good, which we have decisive reason avoid doing. may be somewhat obscure property––though propose transcendence and perfect morality necessary conditions––but His omniscience guarantee He not command beings do things ground ...

A longstanding question in science and religion is whether standard evolutionary models are compatible with the claim that world was designed. In The Compatibility of Evolution Design, theologian E. V. Rope Kojonen constructs a powerful argument not only evolution design compatible, but processes (and biological data) strongly point to design. Yet Kojonen’s model faces several difficulties, eac...

Abstract Artificial intelligence is an emerging technology with average growth rate of 64.70% in patent filings worldwide and 39.71% Europe between 2015 2019, according to Espacenet queries. This trend has raised several concerns regarding the implications for Intellectual Property rights, including disclosure, which one main components justifying existence system. Despite its importance, this ...

The main trigger to effect insurance cover of a claim made against the company or firm is proper notification of circumstances to insurers. Once again, many of you reading this article will not consider that there is much of an issue here. However, place yourself in the shoes of the small businessman or woman. A director is aware of an issue, which may give rise to a claim. He is caught in a di...