For life insurance, risk analysis and pricing is done at the time of sale. How healthy are you now? For 1 year term (policy expires in 1 year) this is very accurate. For a whole life policy (inforce until you die or stop paying premiums) policy this is a statistical question. Thus actuaries... Policies can be on the books for up to 100 years (issue around birth, inforce until death). (Aside: This is a technical debt nightmare from a systems perspective)
The article says there are discounts for things like exercise, insurance is traditionally a fixed premium situation (excepting UL/VUL policies where premiums have a floor but can mostly be determined by the insured - there are tax limitations). That's interesting and novel.
What are they attempting? John Hancock is trying to pre-select who they insure. They want to focus on those who have a healthy lifestyle and are willing to be tracked. They want to only sell Preferred policies (skipping table ratings for more risky individuals). Makes pricing much easier, and they can probably undercut competitors who to some degree subsidize more risky individuals via a bit higher premium on preferred customers.
Finally, I highly doubt the phrase "will stop underwriting traditional life insurance" because they will still want to know if you smoke or have pre-existing medical conditions. They may be skipping the medical testing (I'm sure they won't for larger policies).
It's a rather clever play on "If you don't have anything to hide...".
Pretty cool, looks like a semi-HDR approach based on aperture bracketing (per Google, Depth of Field bracketing) rather than time bracketing (I've done that).
Instead of color matching for highlights (time bracketing) they compare the focus differences (and somehow color correct, maybe a normalized light level based on the input/output images).
What's most interesting to me is that it shows us what "AI" is about at this time. It isn't self aware. It isn't making decisions. It isn't free learning.
AI today is advanced pattern recognition. Better than humans. Good at games, image manipulation, and other certainly useful tasks.
Data analysis is a big one, more variables than humans could ever consider.
Terrifying to consider, and also know, this type of stuff is being used on the financial markets already...
My I have no idea Question:
Have we trained an AI on Chess and Go at the same time, with alternative output scenarios? It would have to identify the games and then process inputs and outputs for that section separately from another game. That's a more generalized approach. Fun to think about.
The police only tazed the old woman. But they did have guns drawn.
I mean, she was stealing dandelions while brandishing a deadly weapon. Her slow manner was obviously a guise, she was probably a ninja.
As well, the police were afraid, that by moving back to give her space, one of them might trip and accidentally discharge a service weapon. This is a very common problem in the US and only further reinforces the legitimacy of their "taze the old woman" decision.
Me, I would have turned and run (maybe 10ft/3m or so, and then reassessed the situation).
You do know, that in Britain, there are gangs of old ladies that attack people? And left turn signs that do the same? At least it was a problem back in the early 1970s:
That was a rather complicated read... Increased particle acceleration firing electrons into a mix of more electrons and positive ions instead being in a vacuum.
To what end, I have no idea. But interesting.
Regarding the movie, from one paragraph in TFA: 1. Super Proton Synchrotron 2. rubidium plasma 3. A specially built smaller accelerator produces electrons that are inserted in the protonsâ(TM) wake. 4. Energies in even the 50-GeV range could be useful for experiments in which electrons are shot at a fixed target.
#3 and 4 have me mystified, great lines for a mad scientist.
Plot: Just have reality rip apart rather than some earthquake, tsunami, meteor, or Sharknado. Reality rips like broken glass, spreading from the experiment center. There is a twist ending.
Someone write the script, let's get this movie made!
I only read the summary and the comments that followed.
I see several facets.
News provided at the speed of reality via websites doesnâ(TM)t allow time for contemplation in most cases. We read some, hit refresh, and move on to the next story. I do this. How many news articles do you read a day? How many times a day do you refresh Slashdot?
As well, most of us put on blinders and have a handful of sources for information. Many times this serves to reinforce our views of the world; and many time it prevents us from seeing things that are actually relevant to us.
News on the TV, specifically the cable channels, is inane. Thereâ(TM)s still no time to think because some asshat is droning on about his/her opinion, usually as part of a group. I donâ(TM)t watch it.
Movies, TV, Books. Holy content Batman! Too much of everything. I use BookBub to get cheap books for the Kindle, and I read pulp fiction zombie and military fiction stuff. Everyday I get an email with 10 books in those genres that are on sale. Different every day. Every day.
And kids and YouTube videos, holy shit! Massively degrades any ability to focus for any period of time.
Oh, and social media.
As a society we donâ(TM)t take the time to contemplate and think. This is why I love camping and take my kids as much as possible. To get away from the information stream and the ADHD that it is.
The article quotes that Apple hired "at least 46 people who worked at Tesla directly". Almost "four scores", which would have been historically interesting.
Oh, and some had already been laid off or left Tesla.
So, Apple hired a staggering 0.123% of Tesla's folk (46/37,500).
Given the # of people that work at Apple, they probably hire far more than 46 people on a given day (maybe even a given hour).
Is the voting history the standard stuff, not including actual candidate selection?
I have to assume so unless people are voluntarily providing this. Per the article below public information can include: * Name * Street address * Party affiliation * Elections in which you did (or did not) vote * Phone number * Email address
I have to assume that's what is available, then aggregated with other information since the summary referred to dozens of data points.
Frightening that such data could be public to be honest.
I just read the article, pretty scary shit, people should stop participating in surveys or any sort:
"For example, the data includes fields that might score an individualâ(TM)s believed views on immigration, hunting, abortion rights, government spending and views on the Second Amendment."
The timing and details around the Stormy payment makes it seem related to the election. That payment was about a month before the election (right after the "pussy grabbing" story broke). Her lawyer had mentioned a possible payment (she was going to go public with the story) to Cohen a month before that and was rebuffed.
Here's an article going over the timeline details.
Don't knock Nat Geo, it is one of the best periodicals around. Recall the recent awareness around plastic straws? That was Nat Geo.
The two issues I hold dear are: 1982 - The Chip/Silicon Valley - Awesome article about the coming of the modern microprocessor and the rise of San Jose/Silicon Valley. Interviews with Steve Jobs, Marvin Minsky, and many others: http://blog.modernmechanix.com... 1969 - Landing on the Moon
Most of the time they are having their feet stepped on by cleats or banging fast moving legs together. There have also been quite a few hard body collisions in the tourney.
Most anyone would writhe around in pain for 20-30 seconds until the initial wave of pain recedes. And the team can play down for a bit, happens all the time.
These are the highest level players, they can determine if their injury is significant enough to leave play, except for:
I would agree with you with regards to hard head contact, a recent game had a player that was obviously concussed; he chose to keep playing and collapsed about a minute later looking confused.
Make sure to file it privately if you include those sort of details. When I lived in Arizona I found public records of wills and prenuptials that contained such things as Social Security numbers and even bank account information.
It was interestingly scary. I went so far as to send an anonymous letter to one person because the info available was basically an identity theft guide.
Arizona also was exposing residential addresses (I'm fine with that) AND alternate addresses which were usually out of state or blank. Where they existed, it identified the snowbirds who usually only live in Arizona in that house during winter. Basically just a robber's guide for houses to target.
This was a decade ago, I'm not sure of the current situation as I no longer live there.
Slashdot Mirror
Actuarial background.
For life insurance, risk analysis and pricing is done at the time of sale. How healthy are you now? For 1 year term (policy expires in 1 year) this is very accurate. For a whole life policy (inforce until you die or stop paying premiums) policy this is a statistical question. Thus actuaries... Policies can be on the books for up to 100 years (issue around birth, inforce until death). (Aside: This is a technical debt nightmare from a systems perspective)
The article says there are discounts for things like exercise, insurance is traditionally a fixed premium situation (excepting UL/VUL policies where premiums have a floor but can mostly be determined by the insured - there are tax limitations). That's interesting and novel.
What are they attempting? John Hancock is trying to pre-select who they insure. They want to focus on those who have a healthy lifestyle and are willing to be tracked. They want to only sell Preferred policies (skipping table ratings for more risky individuals). Makes pricing much easier, and they can probably undercut competitors who to some degree subsidize more risky individuals via a bit higher premium on preferred customers.
Finally, I highly doubt the phrase "will stop underwriting traditional life insurance" because they will still want to know if you smoke or have pre-existing medical conditions. They may be skipping the medical testing (I'm sure they won't for larger policies).
It's a rather clever play on "If you don't have anything to hide...".
Commerce Clause is a good place to start.
Shoot, it doesn't even require "parties", one party and regulation is enough. Be careful how much wheat you grow to feed your own livestock:
https://en.wikipedia.org/wiki/...
Pretty cool, looks like a semi-HDR approach based on aperture bracketing (per Google, Depth of Field bracketing) rather than time bracketing (I've done that).
Instead of color matching for highlights (time bracketing) they compare the focus differences (and somehow color correct, maybe a normalized light level based on the input/output images).
What's most interesting to me is that it shows us what "AI" is about at this time. It isn't self aware. It isn't making decisions. It isn't free learning.
AI today is advanced pattern recognition. Better than humans. Good at games, image manipulation, and other certainly useful tasks.
Data analysis is a big one, more variables than humans could ever consider.
Terrifying to consider, and also know, this type of stuff is being used on the financial markets already...
My I have no idea Question:
Have we trained an AI on Chess and Go at the same time, with alternative output scenarios? It would have to identify the games and then process inputs and outputs for that section separately from another game. That's a more generalized approach. Fun to think about.
I was wondering this myself and found this article. Very detailed and well written (which I would expect from the HBR).
https://hbr.org/2017/04/how-ph...
And let's not forget the Actuarial Program from TRON.
Jeff Bridges was not impressed.
https://www.youtube.com/watch?...
It's rare to have a business style degree based on calculus (mixing in linear algebra and operations research, OR was awesome!).
Calculus based statistics was hard (sophomore year). Life contingencies was much more difficult (senior year).
I moved into IT right after graduation. Not much calculus after that, but I always enjoyed it (until sin/cos came into the equation).
The police only tazed the old woman. But they did have guns drawn.
I mean, she was stealing dandelions while brandishing a deadly weapon. Her slow manner was obviously a guise, she was probably a ninja.
As well, the police were afraid, that by moving back to give her space, one of them might trip and accidentally discharge a service weapon. This is a very common problem in the US and only further reinforces the legitimacy of their "taze the old woman" decision.
Me, I would have turned and run (maybe 10ft/3m or so, and then reassessed the situation).
You do know, that in Britain, there are gangs of old ladies that attack people? And left turn signs that do the same? At least it was a problem back in the early 1970s:
https://www.youtube.com/watch?...
Molten Salt Solar is a potential answer. And perfect for James Bond movies.
https://www.scientificamerican...
Thanks for the "more clear than the article" summary.
This does sound like the end of the world: "high energy labs on tabletops"...
That was a rather complicated read... Increased particle acceleration firing electrons into a mix of more electrons and positive ions instead being in a vacuum.
To what end, I have no idea. But interesting.
Regarding the movie, from one paragraph in TFA:
1. Super Proton Synchrotron
2. rubidium plasma
3. A specially built smaller accelerator produces electrons that are inserted in the protonsâ(TM) wake.
4. Energies in even the 50-GeV range could be useful for experiments in which electrons are shot at a fixed target.
#3 and 4 have me mystified, great lines for a mad scientist.
Plot: Just have reality rip apart rather than some earthquake, tsunami, meteor, or Sharknado. Reality rips like broken glass, spreading from the experiment center. There is a twist ending.
Someone write the script, let's get this movie made!
I only read the summary and the comments that followed.
I see several facets.
News provided at the speed of reality via websites doesnâ(TM)t allow time for contemplation in most cases. We read some, hit refresh, and move on to the next story. I do this. How many news articles do you read a day? How many times a day do you refresh Slashdot?
As well, most of us put on blinders and have a handful of sources for information. Many times this serves to reinforce our views of the world; and many time it prevents us from seeing things that are actually relevant to us.
News on the TV, specifically the cable channels, is inane. Thereâ(TM)s still no time to think because some asshat is droning on about his/her opinion, usually as part of a group. I donâ(TM)t watch it.
Movies, TV, Books. Holy content Batman! Too much of everything. I use BookBub to get cheap books for the Kindle, and I read pulp fiction zombie and military fiction stuff. Everyday I get an email with 10 books in those genres that are on sale. Different every day. Every day.
And kids and YouTube videos, holy shit! Massively degrades any ability to focus for any period of time.
Oh, and social media.
As a society we donâ(TM)t take the time to contemplate and think. This is why I love camping and take my kids as much as possible. To get away from the information stream and the ADHD that it is.
Apple has about 123,000 FTEs:
https://www.google.com/search?...
Tesla has about 37,500:
https://www.google.com/search?...
The article quotes that Apple hired "at least 46 people who worked at Tesla directly". Almost "four scores", which would have been historically interesting.
Oh, and some had already been laid off or left Tesla.
So, Apple hired a staggering 0.123% of Tesla's folk (46/37,500).
Given the # of people that work at Apple, they probably hire far more than 46 people on a given day (maybe even a given hour).
Is the voting history the standard stuff, not including actual candidate selection?
I have to assume so unless people are voluntarily providing this. Per the article below public information can include:
* Name
* Street address
* Party affiliation
* Elections in which you did (or did not) vote
* Phone number
* Email address
https://www.forbes.com/sites/m...
I have to assume that's what is available, then aggregated with other information since the summary referred to dozens of data points.
Frightening that such data could be public to be honest.
I just read the article, pretty scary shit, people should stop participating in surveys or any sort:
"For example, the data includes fields that might score an individualâ(TM)s believed views on immigration, hunting, abortion rights, government spending and views on the Second Amendment."
The timing and details around the Stormy payment makes it seem related to the election. That payment was about a month before the election (right after the "pussy grabbing" story broke). Her lawyer had mentioned a possible payment (she was going to go public with the story) to Cohen a month before that and was rebuffed.
Here's an article going over the timeline details.
http://www.msnbc.com/rachel-ma...
Here's a great Nat Geo article about the Netherlands and the future (for everyone else) of farming.
https://www.nationalgeographic...
And atheists have empathy...
Seriously. This is pretty stupid.
A cassette recorder pleading for it's life would have been the same (think 1980s).
We are wired for empathy, well, most of us.
Here's a political from the British Wood Party falling into the Earth's crust, courtesy of Monty Python:
https://www.youtube.com/watch?...
For maximum performance, use outside during the winter.
This one plant makes 4 billion per year.
https://www.manufacturing.net/...
My original info may not have been correct, but that's a shitload of straws and only one plant.
The actual news around non-decomposing straws is made clear by how many straws, per DAY, are used and disposed of in the United States alone.
500,000,000, which is about 1.4 straws per person, per day.
I found that surprisingly high when I read about it.
Don't knock Nat Geo, it is one of the best periodicals around. Recall the recent awareness around plastic straws? That was Nat Geo.
The two issues I hold dear are:
1982 - The Chip/Silicon Valley - Awesome article about the coming of the modern microprocessor and the rise of San Jose/Silicon Valley. Interviews with Steve Jobs, Marvin Minsky, and many others:
http://blog.modernmechanix.com...
1969 - Landing on the Moon
Most of the time they are having their feet stepped on by cleats or banging fast moving legs together. There have also been quite a few hard body collisions in the tourney.
Most anyone would writhe around in pain for 20-30 seconds until the initial wave of pain recedes. And the team can play down for a bit, happens all the time.
These are the highest level players, they can determine if their injury is significant enough to leave play, except for:
I would agree with you with regards to hard head contact, a recent game had a player that was obviously concussed; he chose to keep playing and collapsed about a minute later looking confused.
Make sure to file it privately if you include those sort of details. When I lived in Arizona I found public records of wills and prenuptials that contained such things as Social Security numbers and even bank account information.
It was interestingly scary. I went so far as to send an anonymous letter to one person because the info available was basically an identity theft guide.
Arizona also was exposing residential addresses (I'm fine with that) AND alternate addresses which were usually out of state or blank. Where they existed, it identified the snowbirds who usually only live in Arizona in that house during winter. Basically just a robber's guide for houses to target.
This was a decade ago, I'm not sure of the current situation as I no longer live there.
We should track the # of references to Manna on /. over time as an indicator of when our dystopian future will be upon us.
Someone should offer all three options, and enforce it (with regards to monetization of user data at least).