Using data on municipal bonds issued in California and New York between 1996 and 2014, this paper documents a decline in the benefit of municipal bond insurance, explores its underlying determinants, and quantifies its aggregate effect. First, we find that the insurance benefit declined remarkably from approximately 5.1% of the overall deal value between 1996 and 2001 to 0.5% by 2011-2014. Seco...

During the past five decades recreational alpine skiing has become increasingly safer. The numerous annual media reports on ski injuries have to be interpreted on the basis of the tremendous numbers of skiers. These favourable changes seem primarily be due to the introduction of short carving skis, more rigid and comfortable ski boots, the use of protective gear like helmets, and the optimized ...

Even under the 1950 amendments to the Social Security Act, there are many aged persons in this country who are not able to qualify for benefits under the old-age and survivors insurance program. Some of them, as their opportunities for employment and ability to work decline, are forced to apply for oldage assistance. Before the amendments, of course, the number of such persons tvas greater. The...

the rational use of insurance finance, insurance benefits decision based on evidence, or clinical decision based on direct evidence, is not different. Therefore, demand for these research activities will increase in the future in Korea. Recently, the National Evidencebased Healthcare Collaborating Agency has launched a research project about CER and the Korean Association of Medical Science has...

A partially informed expert, A, strategically transmits information to a principal, P. The residual uncertainty faced by the expert effectively causes the bias between P and A to be random, with two consequences. First, by misreporting, A is likely to induce a decision choice by P, after the resolution of the residual uncertainty, that is either close to A’s ideal position or too far from it, w...

fuller, in 1989, described probiotic microorganisms as “a live microbial feed supplement,which beneficially affects the host animal, by improving its intestinal microbial balance”.saccharomyces cerevisiae var. boulardii (s.boulardii) is an accurate probiotic yeast idol.the detection and budding of s.boulardiiis firmly related to the impression of healthinessto promote microorganisms from foodst...

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Internet websites are a resource for patients seeking information about probiotics. We examined a sample of 71 websites presenting probiotic information. We found that descriptions of benefits far outnumbered descriptions of risks and commercial websites presented significantly fewer risks than noncommercial websites. The bias towards the presentation of therapeutic benefits in online content s...

abortion traditionally means miscarriage and is still known as a problem, which societies have been trying to reduce its rate by using legal means. despite the fact that  pregnant women and fetuses have been historically supported;  abortion  was firstly criminalized in 1926 in iran, 20 years after establishment of modern legal system. during next 53 years this situation changed dramatically, t...