What determines the choice of a production technology within a country? While there could be many factors, the e¢ ciency of the country’s …nancial system may play a signi…cant role. To address this question, a dynamic contract model is embedded into a general equilibrium setting with competitive intermediation. The ability of an intermediary to monitor the activity of a …rm plays an important r...

To measure economic profits generated by an insurance policy during its life time, we compare the terminal assets of the policy account with certain breakeven value. Policies with mutil-year loss payments and income tax payments are studied. The breakeven value of terminal assets is given in closed form, and shown to be an increasing function of the claims risk and the asset investment risk. Pr...

The initial chest x-ray is used to classify the stage of sarcoidosis. This report shows x-rays with findings of Stages I to IV. Underwriting sarcoidosis requires information of the history, the stage and pulmonary function tests.

A detailed description of the types of Gaucher’s is beyond the scope of this paper. Classicall3~ three types are described. Type 2, acute neurologic, is usually fatal in infancy with an average age at death of 18 months.2 Type 3, chronic neurologic, usually presents during childhood with diffuse progressive neurologic symptoms. There is a distinct subgroup whose sole neurological defect is a la...

The routine clinical chemistry profile is a major screening tool for physicians. Using the values obtained on the chemistry profile as one element of the patient assessment, the physician can determine the presence of disease states such as diabetes, alcoholism, and coronary artery disease. The physician can also use the data from the chemical profile to predict potential problems before the pa...

OBJECTIVE Dissociative identity disorder (DID) has been diagnosed more frequently and is under greater scrutiny. Because of the number of comorbid conditions, the underwriting risks must be evaluated to determine morbidity and mortality implications. BACKGROUND The number of diagnosed cases of DID has increased in recent years. The diagnosis often coexists with other diagnoses such as bipolar...