A novel book that argues that, contrary to received wisdom, some adverse selection in insurance markets is beneficial to society as a whole. It is for all those interested in public policy arguments about insurance and discrimination: policymakers, academics, actuaries, underwriters, disability activists, geneticists and other medical professionals.
Understanding the conditions under which variability in performance may arise, and the processes related to its emergence, gives us insight into the development of techniques for improving the quality of performance. Variability in Human Performance details the scientific and the practical implications of human performance variability by providing a broad perspective on how and why such variability occurs across a number of disciplinary domains. The text takes an approach that rests upon the idea of context, or design, specificity in performance, namely that variability in performance is closely referenced to design factors in the environment in which performance is occurring. An exploration of the link between variability and related processes, the book introduces a comprehensive framework for understanding human performance variability, presented in terms of how human control of behavior is closely tied to design factors in the performance environment. The authors introduce empirical evidence, as well as practical examples and application areas, in support of this framework. The book begins with coverage of neurobiological and biomechanical basis of movement variability, then examines rich and extensive empirical evidence available for context specificity in cognitive performance and learning, as a basis for cognitive performance variability. The book then reviews the evidence for context specificity in: Student learning Displaced feedback conditions Human error behavior Affective performance Social and team performance The authors also explore work performance as influenced by complex sociotechnical systems and as a basis for performance variability, applying control systems concepts to an interpretation of the nature and basis of performance variability in all of these domains. They conclude by taking an evolutionary perspective on the origins and behavioral significance of human performance variability. The book then provides strategies on how individuals, groups, and organizations can significantly reduce variability in human performance that often leads to systems failures.
In recent years, the concept of risk has become paramount in international food regulation, and industries are increasingly required to undertake product risk assessment, particularly in the export arena. This publication has been developed as a complete package on how to undertake risk assessment for use by seafood technologists, regulators and health professionals. It is designed in five parts to guide the user through the risk assessment process. This publication also includes a CD-ROM : the Resources Bank - that provides extensive additional information for the would-be risk assessor.
ESSENTIALS OF PERSONAL FINANCIAL PLANNING Essentials of Personal Financial Planning was written to challenge the status quo by promoting personal financial planning (PFP) as a profession, not as a sales tool to gather assets under management or facilitate sales of insurance products. The book takes a comprehensive and integrated approach to PFP for accounting students, allowing them to view the profession through the lens of a CPA – with integrity and objectivity. This book systematically introduces the essentials of all the major PFP topics (estate, retirement, investments, insurance, and tax), as well as: The PFP process, concepts and regulatory environment. Professional responsibilities of a CPA personal financial planner and the requirements of the Statement on Standards in PFP Services. Time value of money concepts. The book then builds on these foundational concepts, showing their interconnectivity and professional opportunities, to provide a deeper understanding of PFP and its application. After reading this book, students will be able to apply the knowledge and skills gained from this course to have an immediate and long-term positive impact for themselves and for the clients they serve.
Industrial hygienists are being called on to provide expertise in more and more different fields. It is often difficult to keep up with the latest technologies in all these fields. This quick reference includes terms found in journals, books, manufacturers' literature, and other sources used daily by industrial hygienists and others. It is filled with nearly 5,000 terms in industrial hygiene, safety, and occupational medicine, plus relevant terms and abbreviations from acoustics, physics, chemistry, and biology. It contains vital information pertaining to bacteriology, environmental health, epidemiology, illumination, mathematics, medicine, microscopy, mineralogy, and other fields. Designed in an easy-to-access format, this handy sourcebook also includes terms and abbreviations used by government to enforce regulations in occupational health and safety. All information is presented in simple, non-technical language for easy understanding. In the health and safety field the disciplines of environmental health, industrial hygiene, occupational health, and safety are managed, supervised, and addressed by single groups instead of separately, as was previously done. As a result the health/safety professionals in industry today must be generalists instead of specialists. This book has been expanded in recognition of the changes in the field of Industrial hygiene. What's new in the new edition: Contains 50% more terms, definitions and abbreviations Increases coverage on each discipline Includes new entries from other disciplines such as epidemiology, microbiology, indoor air quality environmental health, and sanitation Features
The goal of every safety professional and safety program is to be proactive and to identify problems while complying within safety guidelines. This book clarifies basic questions about legal liability, how to minimize, prevent, and identify legal risks. Appendices, case studies, and sample forms are included in this resource. The whole book will be revised due to the laws and regulations in the workplace changing. This revised edition will address all of the changes in the laws as well as providing guidance on how to achieve and maintain compliance. Features Covers methods to achieve and maintain compliance Includes new standards and regulations Discusses defense, rights, and responsibilities Provides a guide to professionals who are unfamiliar with reviewing, analyzing, and briefing a court decision Offers a new chapter on environmental and labor
This volume presents a comprehensive and comprehensible set of guidelines for reporting the statistical analyses and research designs and activities commonly used in biomedical research.
This second edition of Epidemiologic Methods offers a rigorous introduction to the concepts and tools of epidemiologic research. Aimed chiefly at future epidemiologists, the book offers clear descriptions, practical examples, and question/answer sections for each of the science's key concepts. Authored by two award-winning epidemiology instructors, this book is ideally suited for use as a text in a graduate-level course sequence in epidemiologic methods. The book's chapters are organized around three main themes: general concepts and tools of epidemiology; major study designs; and special topics, including screening, outbreak investigations, and use of epidemiology to evaluate policies and programs. With additional exercises at the end of each chapter and expanded attention to topics such as confounding, this new edition of Epidemiologic Methods is an indispensable resource for the next generation of epidemiologic study.
Safety and health professionals face potential legal and ethical issues on an almost daily basis. In a landscape of changing responsibilities and new laws, they often make difficult decisions that can result, in hindsight, in the creation of legal issues and liabilities for themselves and their companies. Written by occupational health and safety e
A respected introduction to biostatistics, thoroughly updated and revised The first edition of Biostatistics: A Methodology for the Health Sciences has served professionals and students alike as a leading resource for learning how to apply statistical methods to the biomedical sciences. This substantially revised Second Edition brings the book into the twenty-first century for today’s aspiring and practicing medical scientist. This versatile reference provides a wide-ranging look at basic and advanced biostatistical concepts and methods in a format calibrated to individual interests and levels of proficiency. Written with an eye toward the use of computer applications, the book examines the design of medical studies, descriptive statistics, and introductory ideas of probability theory and statistical inference; explores more advanced statistical methods; and illustrates important current uses of biostatistics. New to this edition are discussions of Longitudinal data analysis Randomized clinical trials Bayesian statistics GEE The bootstrap method Enhanced by a companion Web site providing data sets, selected problems and solutions, and examples from such current topics as HIV/AIDS, this is a thoroughly current, comprehensive introduction to the field.
This series is dedicated to serving the growing community of scholars and practitioners concerned with the principles and applications of environ mental management. Each volume is a thorough treatment of a specific topic of importance for proper management practices. A fundamental ob jective of these books is to help the reader discern and implement man's stewardship of our environment and the world's renewable resources. For we must strive to understand the relationship between man and nature, act to bring harmony to it, and nurture an environment that is both stable and productive. These objectives have often eluded us because the pursuit of other in dividual and societal goals has diverted us from a course of living in balance with the environment. At times, therefore, the environmental manager may have to exert restrictive control, which is usually best applied to man, not nature. Attempts to alter or harness nature have often failed or backfired, as exemplified by the results of imprudent use of herbicides, fertilizers, water, and other agents. Each book in this series will shed light on the fundamental and applied aspects of environmental management. It is hoped that each will help solve a practical and serious environmental problem. Robert S. DeSanto East Lyme, Connecticut Acknowledgments Compilation of the materials reviewed in this inventory was facilitated greatly by several staff members of the Disaster Research Center, University of Delaware (formerly at The Ohio State University) and the Natural Haz ards Research and Applications Information Center, University of Colorado.
Hazardous energy present in systems, machines, and equipment has injured, maimed, and killed many workers. One serious injury can stop the growth of your business in its tracks. Management of Hazardous Energy: Deactivation, De-Energization, Isolation, and Lockout provides the practical tools needed to assess hazardous energy in equipment, machines,
The use of credit scoring - the quantitative and statistical techniques to assess the credit risks involved in lending to consumers - has been one of the most successful if unsung applications of mathematics in business for the last fifty years. Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgages and credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the ideas in credit scoring. This book reviews the current methodology and measures used in credit scoring and then looks at the models that can be used to address these new challenges. The first chapter describes what a credit score is and how a scorecard is built which gives credit scores and models how the score is used in the lending decision. The second chapter describes the different ways the quality of a scorecard can be measured and points out how some of these measure the discrimination of the score, some the probability prediction of the score, and some the categorical predictions that are made using the score. The remaining three chapters address how to use risk and response scoring to model the new problems in consumer lending. Chapter three looks at models that assist in deciding how to vary the loan terms made to different potential borrowers depending on their individual characteristics. Risk based pricing is the most common approach being introduced. Chapter four describes how one can use Markov chains and survival analysis to model the dynamics of a borrower's repayment and ordering behaviour . These models allow one to make decisions that maximise the profitability of the borrower to the lender and can be considered as part of a customer relationship management strategy. The last chapter looks at how the new banking regulations in the Basel Accord apply to consumer lending. It develops models that show how they will change the operating decisions used in consumer lending and how their need for stress testing requires the development of new models to assess the credit risk of portfolios of consumer loans rather than a models of the credit risks of individual loans.
Are the tried and true safety practices still effective in the changing workplace? Is there a better way of safeguarding employees from accidents and injuries? In short, why do you perform the safety activities that you do on a daily basis and do they produce the results necessary to keep your safety program and your company competitive in the global market? Answering these questions and more, Workplace Safety and Health: Assessing Current Practices and Promoting Change in the Profession analyzes the current practices and identifies emerging issues and challenges in the safety and health profession. We Need a Game Changer ... A New Way of Achieving a Safe and Healthful Workplace Safety pioneer and educator Thomas Schneid makes a strong case that mandatory compliance with OSHA regulations is only the first step in a safety program. And that, due to globalization and the current emphasis on sustainability, the requirements of the safety profession have changed. He explores new sources of information and guidance for addressing the new and emerging issues created by the current economic situation, globalization, and the changing workplace. He also identifies and analyzes emerging ethical issues within the safety and health profession, then suggests potential solutions. Schneid then examines the basic assumptions and challenges you to assess and evaluate your activities in search of a better and more effective way of achieving the results necessary to be competitive in today’s workplace. Taking a provocative look at the current issues facing the safety profession, he shows you how to view safety activities and actions from a different perspective and see the real impact they have on the lives of others. He gives you the tools you need to go beyond OSHA compliance and develop safety programs that will be effective in the global workplace and create and maintain a safe workplace that eliminates all injuries and illnesses.
The use of non-standard technologies such as superconductivity, cryogenics and radiofrequency pose challenges for the safe operation of accelerator facilities that cannot be addressed using only best practice from occupational safety in conventional industry. This book introduces readers to different occupational safety issues at accelerator facilities and is directed to managers, scientists, technical personnel and students working at current or future accelerator facilities. While the focus is on occupational safety – how to protect the people working at these facilities – the book also touches on “machine safety” – how to prevent accelerators from doing structural damage to themselves. This open access book offers a first introduction to safety at accelerator facilities. Presenting an overview of the safety-related aspects of the specific technologies employed in particle accelerators, it highlights the potential hazards at such facilities and current prevention and protection measures. It closes with a review of safety management and organization at accelerator facilities.
This book describes the current state of the art in cryogenic safety best practice, helping the reader to work with cryogenic systems and materials safely. It brings together information from previous texts, industrial and laboratory safety polices, and recent research papers. Case studies, example problems, and an extensive list of references are included to add to the utility of the text. It describes the unique safety hazards posed by cryogenics in all its guises, including issues associated with the extreme cold of cryogenics, the flammability of some cryogenic fluids, the displacement of oxygen by inert gases boiling off from cryogenic fluids, and the high pressures that can be formed during the volume expansion that occurs when a cryogenic fluid becomes a room temperature gas. A further chapter considers the challenges arising from the behavior of materials at cryogenic temperatures. Many materials are inappropriate for use in cryogenics and can fail, resulting in hazardous conditions. Despite these hazards, work at cryogenic temperatures can be performed safely. The book also discusses broader safety issues such as hazard analysis, establishment of a safe work culture and lessons learned from cryogenic safety in accelerator labs. This book is designed to be useful to everyone affected by cryogenic hazards regardless of their expertise in cryogenics.
September 11, 2001 had a profound impact upon individuals, institutions, and governments, but also upon the world of global trade. Years later, the reverberations of this deliberate and focused act of terrorism are manifest in much more stringent logistics, documentary requirements, and regulations. A single source on compliance and security, writt
Green Chemistry in Practice: Greener Material and Chemical Innovation Through Collaboration collects a unique set of case studies based on researchers' experiences in developing practical, green chemistry-driven solutions to industry problems as part of the Greener Solutions Program at the Berkeley Center for Green Chemistry. Beginning with an introduction to green chemistry, the book goes on to provide an overview of the interdisciplinary approach taken by the Center, which aims to bring about a generational transformation toward the design and use of inherently safer chemicals and materials through research, teaching and outreach. This is followed by four detailed case studies revealing each step of the process involved in assessing and designing greener solutions to real-world problems in the fields of preservatives, textiles, additive manufacturing, and green energy. Drawing together the hands-on, practical experience of an interdisciplinary team from across academia and industry, Practice in Green Chemistry provides a unique insight into the practicalities of applying green chemistry principles in support of a global push toward a more sustainable world. Green Chemistry in Practice: Greener Material and Chemical Innovation Through Collaboration is also a valuable resource for both academia and industry students and researchers. - Reviews the foundational principles of green chemistry in the context of real-world scenarios - Highlights successes, pitfalls, and practical steps to take when working with a multifaceted, interdisciplinary group - Supports those involved in designing and implementing green solutions across a whole range of fields
Medical Risk Prediction Models: With Ties to Machine Learning is a hands-on book for clinicians, epidemiologists, and professional statisticians who need to make or evaluate a statistical prediction model based on data. The subject of the book is the patient’s individualized probability of a medical event within a given time horizon. Gerds and Kattan describe the mathematical details of making and evaluating a statistical prediction model in a highly pedagogical manner while avoiding mathematical notation. Read this book when you are in doubt about whether a Cox regression model predicts better than a random survival forest. Features: All you need to know to correctly make an online risk calculator from scratch Discrimination, calibration, and predictive performance with censored data and competing risks R-code and illustrative examples Interpretation of prediction performance via benchmarks Comparison and combination of rival modeling strategies via cross-validation Thomas A. Gerds is a professor at the Biostatistics Unit at the University of Copenhagen and is affiliated with the Danish Heart Foundation. He is the author of several R-packages on CRAN and has taught statistics courses to non-statisticians for many years. Michael W. Kattan is a highly cited author and Chair of the Department of Quantitative Health Sciences at Cleveland Clinic. He is a Fellow of the American Statistical Association and has received two awards from the Society for Medical Decision Making: the Eugene L. Saenger Award for Distinguished Service, and the John M. Eisenberg Award for Practical Application of Medical Decision-Making Research.
Flooding may occur as an overflow of water from water bodies, such as a river, lake, or ocean, in which the water overtops or breaks levees, resulting in some of that water escaping its usual boundaries. Kerala state covers an area of 38,863 km2 with a population density of 859 per km2 spread across 14 districts. Beginning on 15 August 2018, severe floods affected the south Indian state of Kerala, due to unusually high rainfall during the monsoon season. It was the worst flooding in Kerala in nearly a century. Kerala received heavy monsoon rainfall, which was about 256% more than the usual rain fall in Kerala, on the mid-evening of August 8, resulting in dams filling to capacity; in the first 24 hours of rainfall the state received 310 mm (12 in) of rain. With the use of sophisticated technologies, it has been easier to manage disasters both natural and man-made. The main objectives of the proposed research work is identify the various aspects of IT which were used efficiently for the flood disaster management during August 2018 in Kerala State. A QuickBird image taken during August 2018 with 0.6 m resolution was downloaded from Google Earth (Google Inc., Mountain View, CA, USA) and landuse maps (Landsat L7 ETM+, USGS) were used to track the flooded area in Kerala State. For the baseline survey, semi-structured questionnaires were prepared covering demographic, socio-economic and characteristics of households, as well as aspects of flood damage to house, property and agricultural production. Information Technology is widely used to save the lives of thousands of flood affected people in the Kerala state during the heavy floods in August 2018. These technologies could be further explored for more efficient flood coordination and disaster management in future.
This text focuses on the contemporary economic, social, geographical, environmental and political realities of the Caribbean region. Historical aspects of the Caribbean, such as slavery, the plantation system and plantocracy are explored in order to explain the contemporary nature of, and challenges faced by, the Caribbean. The book is divided into three parts, dealing respectively with: the foundations of the Caribbean, rural and urban bases of the contemporary Caribbean, and global restructuring and the Caribbean: industry, tourism and politics.
This comprehensive text and reference book addresses the questions and problems of cultural resources archaeology for undergraduate and graduate students and practicing archaeologists. Neumann, Sanford, and Neumann use their decades of field experience to discuss in great detail the complex processes involved in conducting a cultural resources management (CRM) project. Dealing with everything from law to logistics, archival research to artifact analysis, project proposals to report production, they provide an invaluable sourcebook for archaeologists who do contract archaeology. After introducing the legal and ethical aspects of CRM and stakeholder engagement, the authors describe the processes of designing a proposal and contracting for work, doing background research, conducting assessment, testing, mitigation work (Phase I, II, and III), laboratory analysis, and preparing reports for project sponsors. The volume’s emphasis on practical problems, use of extensive examples, and detailed advice on a host of subjects make it an ideal manual for archaeologists and field schools. This revised and expanded third edition of Practicing Archaeology: A Manual for Cultural Resources Archaeology updates Federal and state contracting protocols and covers preparing safety plans for occupational hazards, organization of an archaeology laboratory, use of electronic technology and digital media, advice on field and personnel management, and how to make a living doing cultural resources archaeology.
The goal of every safety professional and safety programs is to proactively identify problems while complying within safety guidelines. This text clarifies basic questions for safety and loss prevention professionals about legal liability, how to minimize, prevent and identify legal risks. Appendices, case studies, and sample forms are also included to engage the reader in active learning.
Credit Scoring and Its Applications?is recognized as the bible of credit scoring. It contains a comprehensive review of the objectives, methods, and practical implementation of credit and behavioral scoring. The authors review principles of the statistical and operations research methods used in building scorecards, as well as the advantages and disadvantages of each approach. The book contains a description of practical problems encountered in building, using, and monitoring scorecards and examines some of the country-specific issues in bankruptcy, equal opportunities, and privacy legislation. It contains a discussion of economic theories of consumers' use of credit, and readers will gain an understanding of what lending institutions seek to achieve by using credit scoring and the changes in their objectives.? New to the second edition are lessons that can be learned for operations research model building from the global financial crisis, current applications of scoring, discussions on the Basel Accords and their requirements for scoring, new methods for scorecard building and new expanded sections on ways of measuring scorecard performance. And survival analysis for credit scoring. Other unique features include methods of monitoring scorecards and deciding when to update them, as well as different applications of scoring, including direct marketing, profit scoring, tax inspection, prisoner release, and payment of fines.?
Written by two experienced toxicology lecturers, Principles of Toxicology is an easy-to-read, comprehensive textbook for a first course in toxicology at the undergraduate or graduate level - filling the acute need for a well-rounded introductory text. Students will no longer need to struggle with material that is too difficult or that has too narrow a toxicological focus. Principles of Toxicology covers this broad and interdisciplinary field from the viewpoint of three different functional levels: molecular and cellular; physiological; and environmental and ecological. Within each chapter, the authors combine background material with new information in a manner that stresses principles and concepts. These principles are then illustrated with selected specific examples. This design helps students focus on understanding the subject rather than simply memorizing details. Your search for the perfect introductory toxicology text is over! Principles of Toxicology elegantly facilitates the teaching and learning of this challenging subject.
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