The development of marine insurance has been imperative for the expansion of longdistance maritime trade. Without marine insurance, the Dutch Republic would not have been able to enlarge its trade networks and in all likelihood would not have prospered as it did in the early modern era. The emergence and early development of marine insurance in the Netherlands has been fairly well documented. T...

The classic Leftover Hash Lemma (LHL) is often used to argue that certain distributions arising from modular subset-sums are close to uniform over their finite domain. Though very powerful, the applicability of the leftover hash lemma to lattice based cryptography is limited for two reasons. First, typically the distributions we care about in lattice-based cryptography are discrete Gaussians, n...

In this paper, we propose a new score normalization method for text-independent speaker verification using GMM (Gaussian Mixture Model). In the proposed method, cohort model is designed as virtual speaker model based on the similarity of local acoustic information between the reference speaker and other customers. The similarity is determined using statistical distance between model components ...

Abstract As artificial intelligence (AI) becomes ubiquitous, it will be increasingly involved in novel, morally significant situations. Thus, understanding what means for a machine to responsible is important ethics. Any method ascribing moral responsibility AI must intelligible and intuitive the humans who interact with it. We argue that appropriate approach determine how AIs might fare on sta...