Bullshit. The gender pay gap starts at entry to the workforce, for both graduate and non-graduate entry. And there are plenty of studies out there that control for structural differences, and show very clearly the gap still exists.
It's a hell of a leap to go from observed distributions to finding that that means that everything is OK. And you still haven't mentioned the pay gap within professions or explained why women are overwhelmingly concentrated in lower paid professions with no career structure.
Anything with a tuner and anything that can be used to watch online media. You need to be using it; having a dusty TV on top of a cupboard is OK, but having on your living room wall attached to your PC is probably not.
Just because it can be discussed does not make it relevant. What changes based on the answer you find? It doesn't make rape OK. It doesn't make abortion wrong. When you're arguing about rape statistics, you are fighting on the wrong ground.
Whenever you introduce a new rating factor, you will attract the favourable bank of customers. That doesn't really affect you, because you're charging the correct price for each risk. It does affect your competitors, since they get stuck with whoever you charge a higher price to. This is why you can't buy life insurance that doesn't distinguidh between smoker/non-smoker rates.
You are confusing the idea of risk. An insured event has a probability of occuring. If you can work out this probability, you can charge p*sum assured*loading for profit and as long as your risks are independent, the law of large numbers will deliver you a reasonable result.
Insurance companies typically lose money on motor lines as a whole. It's not much of a racket to be into, to be honest.
As for your motorist, if your risk of accident per year is p, there's a chance 1-(1-p)^50 youll go 50 years without an accident. If p is 5%, about 8% of motorists will go fifty years accident free. Doesn't make them any safer.
It makes no difference. Rates in the UK are already too low - insurers have not made a profit on motor lines for years - and even with this system rates will still be driven down to or below the pure risk premium.
Well, the French did it, ask them. But it wasn't pretty, I tell you.
Did they? They way I heard tell, a mob killed a king and then fell to strugling amongst themselves. The leadership was eventually seized by a power-mad dictator, who attempted to conquer a European empire. It took Waterloo to stop him. Democracy never really entered into it.
There are damned few buildings in the world where you can't pull up in a white van, press the button, and announce "parcel delivery" and not be let in.
Claim incidences for an individual driver are Poisson distributed, with the parameter itself being Gamma distributed. Obviously these are approximations, but surprisingly good ones.
I have two questions: one, how do you expect to overcome the network effect of TCP/IP, and two, how does this prevent the free rider problem? Who pays for Youtube?
The problem is focus. You're being asked to use your eyes as if things are metres away but the point of focus is centimetres away. It would be possible to fix using microlens arrays but the cost would be an order of magnitude higher and there are still open problems needing solved first.
How many people are there out there who are genuinely inconvenienced by receiving an HTML email these days? I, for one, still send in plain text by default but frankly it ceased to be an issue of interest to me some time circa 2002.
My (20k employee) company hands out an A4 form every January with your total number of days entitlement written at the top. You keep it, and when you want holiday during the year, you write it down, subtract the total, and your manager signs it off. At the end of the year the form goes back to local HR, who file it.
I don't disagree that Stuxnet was a smart move. However, it did no long term damage and can't be repeated. You can't fight a war with weapons that cost millions a time and can only be fired once. To fight a war is to compel someone to do your will, and I don't see cyberwar doing that any time soon.
Slashdot Mirror
Yes. Here you go.
Yeah, welcome to academic computing.
Bullshit. The gender pay gap starts at entry to the workforce, for both graduate and non-graduate entry. And there are plenty of studies out there that control for structural differences, and show very clearly the gap still exists.
It's a hell of a leap to go from observed distributions to finding that that means that everything is OK. And you still haven't mentioned the pay gap within professions or explained why women are overwhelmingly concentrated in lower paid professions with no career structure.
Then why does Microsoft, er, not want it?
Anything with a tuner and anything that can be used to watch online media. You need to be using it; having a dusty TV on top of a cupboard is OK, but having on your living room wall attached to your PC is probably not.
Just because it can be discussed does not make it relevant. What changes based on the answer you find? It doesn't make rape OK. It doesn't make abortion wrong. When you're arguing about rape statistics, you are fighting on the wrong ground.
That's real helpful when you're tetraplegic and you were hit by someone who lives in a caravan.
Whenever you introduce a new rating factor, you will attract the favourable bank of customers. That doesn't really affect you, because you're charging the correct price for each risk. It does affect your competitors, since they get stuck with whoever you charge a higher price to. This is why you can't buy life insurance that doesn't distinguidh between smoker/non-smoker rates.
You are confusing the idea of risk. An insured event has a probability of occuring. If you can work out this probability, you can charge p*sum assured*loading for profit and as long as your risks are independent, the law of large numbers will deliver you a reasonable result.
As for your motorist, if your risk of accident per year is p, there's a chance 1-(1-p)^50 youll go 50 years without an accident. If p is 5%, about 8% of motorists will go fifty years accident free. Doesn't make them any safer.
It makes no difference. Rates in the UK are already too low - insurers have not made a profit on motor lines for years - and even with this system rates will still be driven down to or below the pure risk premium.
Did they? They way I heard tell, a mob killed a king and then fell to strugling amongst themselves. The leadership was eventually seized by a power-mad dictator, who attempted to conquer a European empire. It took Waterloo to stop him. Democracy never really entered into it.
There are damned few buildings in the world where you can't pull up in a white van, press the button, and announce "parcel delivery" and not be let in.
Claim incidences for an individual driver are Poisson distributed, with the parameter itself being Gamma distributed. Obviously these are approximations, but surprisingly good ones.
I have two questions: one, how do you expect to overcome the network effect of TCP/IP, and two, how does this prevent the free rider problem? Who pays for Youtube?
More underwriters and claims managers. Us actuaries just tell you what risks cost in the future and what to charge for them now.
Capitalise your sentences, you wanker.
The problem is focus. You're being asked to use your eyes as if things are metres away but the point of focus is centimetres away. It would be possible to fix using microlens arrays but the cost would be an order of magnitude higher and there are still open problems needing solved first.
How many people are there out there who are genuinely inconvenienced by receiving an HTML email these days? I, for one, still send in plain text by default but frankly it ceased to be an issue of interest to me some time circa 2002.
Marvellous! Thank you.
How on earth have you gotten to know them so well? Generally, most people learn to back up after the *first* time.
My lawn, get off it.
Yes, but once you've fixed everything that can go wrong...you're done. It's Star Wars, except this time it works.
I don't disagree that Stuxnet was a smart move. However, it did no long term damage and can't be repeated. You can't fight a war with weapons that cost millions a time and can only be fired once. To fight a war is to compel someone to do your will, and I don't see cyberwar doing that any time soon.