...PRODUCT WRITE-UP PLAN NAME: PLAN CODE: LAUNCH DATE: Great Treasure Wonder (EDM-GTW) 0405 2 May 2012 Offer Period: 2 months, from 2 May 2012 to 2 July 2012 (based on proposal submission date and both dates inclusive), or until sales amount reach RM100 million, whichever occurs first. PLAN DESCRIPTIONS 1. This is a limited pay Endowment plan with participation in profits. st 2. Survival Benefits are payable every 6 months starting from the end of the 1 policy year. 3. Term of Assurance and Premium Payment Term offered. Term of Assurance 20 years 25 years Premium Payment Term 5 years PLAN BENEFITS 1. Death Benefit Upon death of the Life Assured, the Company will pay (a) sum assured at time of death; (b) accumulated survival benefit (if any); (c) any cash bonus (including accumulated cash bonus, if any); and (d) terminal bonus on death (if any); in one lump sum. In the event of death of the Life Assured occurring before age 5 years next birthday, a child lien as follows shall apply: Age Next Birthday on Policy Sum Assured at Time of Death Anniversary Preceding Death 1 20% of sum assured 2 40% of sum assured 3 60% of sum assured 4 80% of sum assured Note: Sum assured is defined as basic sum assured + additional sum assured (if any) 2. Additional Sum Assured An additional sum assured will be payable upon occurrence of the following event: (a) Death of the Life Assured; or (b) TPD of the Life Assured prior to the age of 65 years next birthday; or (c) Maturity of the policy;...
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...Lecture 12: Introduction to Survival Analysis In many biomedical studies, the outcome variable is a survival time, or more generally a time to an event. We will describe some of the standard tools for analyzing survival data. Most studies of survival last a few years, and at completion many subjects may still be alive. For those individuals, the actual survival time is not known – all we know is how long they survived from their entry in the study. Similarly, certain individuals may drop out from the study or be lost to follow-up. Each of these cases is said to be censored, and the recorded time for such individuals is their time until the censoring event. Example: HPA staining for breast cancer survival We consider data from a retrospective study of 45 women who had surgery for breast cancer. Tumor cells, surgically removed from each woman, were classified according to the results of staining on a marker taken from the Roman snail, the Helix pomatia agglutinin (HPA). The marker binds to cancer cells associated with metastasis to nearby lymph nodes. Upon microscopic examination, the cancer cells stained with HPA are classified as positive, corresponding to a tumor with the potential for metastasis, or negative. It is of interest to determine the relationship of HPA staining and the survival of women with breast cancer. The survival times in months Ti and staining results (xi = 0 for negative and xi = 1 for positive) for the 45 women are presented in the following table. Also included...
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...responding to traditional chemotherapy” regimens (PubMed Health, 2011). Progress in this area of oncology research has been very slow with the “average prognosis for patients with stage IV metastatic melanoma being 8-18 months” (Chapman., 2011). Proven research shows that the standard chemotherapy regimens don’t actually extend the lives of these patients. The standard first line treatment for late stage metastatic melanoma is dacarbazine (DTIC), used either alone as a single agent or in combination with other chemotherapy agents, and the effects have been minimal. The dacarbazine regimen usually shrinks the tumors for a temporary period, “about 3-6 months,” and then they begin to grow again. (Melanoma Skin Cancer, 2011). Recent research in the past five years has led to some targeted immunotherapy drugs like ipilimumab and peginterferon alpha-2b which have shown some promising results in helping to extend life expectancies for these patients. On August 17, 2011 the Food and Drug Administration gave some much needed hope to these patients with the approval of vemurafenib (Zelboraf). An orally administered targeted chemotherapy agent that has shown statistically significant results in “reducing the risk of the persons illness progressing and improved short term survival rates” of people with metastatic melanoma who have the BRAF V600E mutation as compared to standard treatments of dacarbazine in a Randomized Phase III large multi-center clinical trial (Vemurafenib - New Drug for...
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...Research name | No of individuals | Reason for use | Reason for discard | | Donor Structural and Functional Parameters Are IndependentPredictors of Renal Function at 3 Months | 202(111 biopsied) | | A donor preimplantation biopsy with sufficient material forevaluation was available in 111 cases. Mean global glomerularsclerosis was 1.2% _ 3.5% and in seven cases globalglomerular sclerosis was greater than 10%. Mean donorchronic damage score was 0 in 77 cases; 1 in 15 cases; 2 in13 cases; and _3 in five cases(LOW PERCENTAGE OF GLOMEROSCLEROSIS) | | Histopathologic Evaluation of Pretransplant Biopsy as a Factor InfluencingGraft Function After Kidney Transplantation: A 1-Year Observation | 92 | We observed a significant correlation between immediate graft function (IGF)and lack of ATN in the pre-0 biopsy. We observed no correlation between renal functionand arterial hyalinization and fibrosis, inflammatory infiltration, tubular atrophy. In thepostoperative period, we observed a significant correlation between IGF and lack ofinterstitial fibrosis with significantly lower levels of creatinine, urea, and potassium andhigher urine output early after transplantation. IGF and better function of the right kidneywas correlated with shorter time to reach a creatinine level of 2 mg%. In the postoperativeperiods, we also observed a difference between renal function depending on gender. Thepresence of acute tubular necrosis, arterial fibrosis, lack of inflammatory infiltration in thepre-0 biopsy correlated...
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...Paying Not to Go to the Gym By STEFANO DELLAVIGNA AND ULRIKE MALMENDIER* How do consumers choose from a menu of contracts? We analyze a novel dataset from three U.S. health clubs with information on both the contractual choice and the day-to-day attendance decisions of 7,752 members over three years. The observed consumer behavior is difficult to reconcile with standard preferences and beliefs. First, members who choose a contract with a flat monthly fee of over $70 attend on average 4.3 times per month. They pay a price per expected visit of more than $17, even though they could pay $10 per visit using a 10-visit pass. On average, these users forgo savings of $600 during their membership. Second, consumers who choose a monthly contract are 17 percent more likely to stay enrolled beyond one year than users committing for a year. This is surprising because monthly members pay higher fees for the option to cancel each month. We also document cancellation delays and attendance expectations, among other findings. Leading explanations for our findings are overconfidence about future self-control or about future efficiency. Overconfident agents overestimate attendance as well as the cancellation probability of automatically renewed contracts. Our results suggest that making inferences from observed contract choice under the rational expectation hypothesis can lead to biases in the estimation of consumer preferences. (JEL D00, D12, D91) “Saturday 31 December. New Year’s Resolutions. I WILL...
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...using theories, terns, and concepts of organizational behavior. (10 points) Survival and Succession Not addressed. (0 points) Survival or succession appropriately addressed. (4 points) Survival and succession appropriately addressed. (7 points) Survival and succession appropriately addressed with at least two specific concrete suggestions that could be implemented in the next 12 months and at least one secondary source (in addition to class textbook) was used. (10 points) Referent Power concerns Not addressed. (0 points) One appropriate concern was identified. (4 points) Two appropriate concerns were identified. (7 points) At least two appropriate concerns were identified using theories, terns, and concepts of organizational behavior and at least suggestion to address each concern identified. (10 points) Secondary Research ** Not addressed. (0 points) Class textbook cited in paper. (4 points) At least 1 secondary research reference in addition to class text cited and used appropriately. (7 points) At least 2 secondary research references in addition to class text cited and used appropriately. (10 points) Context: Grammar, spelling, word choice, organization, APA References Too many context issues to earn credit. (0 points) 7-10 context issues. (5 points) 3-6 context issues. (7 points) 2 or fewer context issues. (10 points) Paper Length Body of paper over 6 pages (-10 points) Body of paper over 5 pages (-7 points) Body of paper...
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...Commercial Murrel Culture Problem / Need Freshwater aquaculture can play a pivotal role in improving the state’s economy and solving the nutritional problems besides acting as a tool for rural development. It offers tremendous potentialities for providing employment opportunities to the vast rural poor and unemployed youths. Among freshwater fish species, murrels (snakeheads) and catfishes secure the top rank economically. Murrels have long been commercially cultured in Thailand, Taiwan and Philippines. But fish farmers in India are not much familiar with murrel culture due to want of breeding, feeding and culture techniques. Therefore it is imperative to make murrel culture popular among fish farmers and unemployed youths for income generation. • Conservation of the threatened species is ensured through artificial propagation Conditions for Feasibility Project area of at least 50 square meter (10m x 5m) is essential for murrel culture.Water supply from nearby bore well or any other source must be available.Bio wastes like chicken intestine or fish waste must be available. Technology Package r Brood fish nutrition Approach / Strategy Murrel culture is about four decades old and in our country with the first demonstration in Madras at Sunkesula fishfarm (now in AP) by the State Fisheries Department. Further attempts made by the State Fisheries Departments of Hyderabad and Bombay and CIFRI Bhadra Centre (Karnataka) have not produced tangible results. Moreover fish...
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...Qu’ran. Muhammad is loosely credited with the origin of Islam, although many Muslims believe that Islam existed way before Muhammad was even alive. And although Muhammad dictated the Qu’ran, the Qu’ran states that Muhammad was not the originator. The Qu’ran instead states that God wrote the Qu’ran, who in turn had the angel Gabriel dictate it to the prophet Muhammad (“Origin”). In contrast, the church of Scientology was formed just 55 years ago, in 1954. The American author L. Ron Hubbard created the basis and teachings of the religion throughout his life. The beginning of Hubbard’s research into the purposes of life started in 1938, with the publishing of Excalibur, in which he hypothesized that the common denominator of existence was survival. In 1950, he published a book called Dianetics. At first, only 6,000 copies of the book were published,...
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...Deadliest Cancers There are over 200 types of cancers. Many are very deadly, while others are fightable. The least deadly is testicular cancer with an estimated death per year is 380 out of 8,720 men, survival percentage is 98%. The next is skin cancer, in the U.S. there are an estimated 76,380 people diagnosed each year, 10,130 people die from the 76,380 diagnosed, survival percentage 89%. Those are only a few of the least deadly, but what is the survival percentage of the deadliest? Some of the most deadly cancers are Non-Small Cell Lung, Hepatocellular Carcinoma, Colorectal Cancer, Breast Cancer, and Pancreatic Cancer. Non-Small Cell Lung Cancer (NSCLC) is the leading cause of death in cancer, with an estimated 1.59 million deaths total...
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...lesions represent the best options. Treatment includes high-dose chemotherapy preceded by surgical resection and followed by autologous stem cell transplantation, although biologic therapies seem to be promising. Strict adherence to a gluten-free diet remains the only way to prevent EATL. (Blood. 2012;119(11): 2458-2468) Introduction Celiac disease (CD) is a chronic gluten-sensitive enteropathy characterized by a high prevalence in the general population and an increased mortality.1,2 It is well known that the increased mortality is mainly the result of the complications of CD itself, represented by refractory CD (RCD) and enteropathy-associated T-cell lymphoma (EATL).2 RCD is a form of CD that does not respond histologically to at least 12 months of a...
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...Fayette County Schools Research Paper Survival Guide June 2009 (revised November 2011) Compiled by: Jillian Bowen, Joanne Dirring, Monica Dorner, Greta Jackson, Shery Kearney, Ann Richardson, and Cheryll Thompson-Smith Based on the work of: Linda Brem, Kathy Franks, Cathy Nix, Ann Richardson, and Cynde Snider Table of Contents Plagiarism………………………………………………………………. Plagiarism Statement - Middle School……………………………..... Plagiarism Statement - High School……………………………….... English Research Requirements…………………………………….. Middle School Requirements…………………………………... 9th Grade Requirements………………………………………… 10th Grade Requirements………………………………………. 11th Grade Requirements………………………………………. 12th Grade Requirements………………………………………. Frequently Asked Questions…………………………………………. Annotated Bibliographies……………………………………….. Citation Formats…………………..……………………………... Common Mistakes………………………………………………. Documentation and Plagiarism…………..…………………….. Internet and Databases…………………………………………. MLA Manuscript Form…...……………………………………… Note Cards…..…………………………………………………… Outlines…………………………………………………………… Paraphrases and Quotations..…………………………………. Parenthetical Documentation……………………………...…... Quoting Poetry……………………………..……………………. Research Papers..………………………………………………. Research Process……………….……………………………… Research Projects……….……………………………………… Source Cards..…………………………………………………… Works Cited Page……………………………………………….. Research Glossary……………………………………………………. Online Resources……………………………………………………… Works Cited…………………………………………………………….....
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...promise to transform into a reality, and is the act of following through (Ashbash, 2005). This is a common occurrence within families, neighbors, employers, religious beliefs, our health, and in all things we do and say (6:5, Ephesians; 10:25, Hebrews; 1 Corinthians 6:19, 31, n.d.). Joe Simpson; the author of Touching the Void and Nando Parrado; the author of Miracle in the Andes, share the same communication of this idea throughout their writing. Throughout Joe Simpson’s novel, Touching the Void, two mountain climbers make a perilous venture to the summit of Peruvian Andes and strike tragedy on their decent, displaying the...
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...When I was 4 years old, my mom told my older sister and me that we were going to have a little brother. What none of us knew and nobody could predict, was that he would be born 3 months premature. Good afternoon fellow classmates. I’m going to tell you about premature babies. Being personally affected by premature birth while watching my brother grow up throughout the years, I understand much of the attention premature babies need. There are several things that people don’t know about premature birth and I would like to talk to you about what it means to be born prematurely, common health problems, and the survival rates and outcomes for premature babies. According to March of Dimes, an organization that funds research and gives medical help to premature babies, a premature baby is one who is born too early, sometime between 23 and 37 completed weeks of pregnancy. There are 3 different ways to describe a baby born too early: premature, moderately premature, and extremely premature. My little brother was in the extremely premature category being born 13 weeks early. A premature baby is also classified by birth weight, somewhere between 2 and 5 pounds. The average baby is born weighing 8 pounds; my brother was 2 pounds 6 ounces. Because of the attention that premature babies need, many have to stay in the hospital longer than those born on time. The neonatal intensive care unit is where these babies will stay under the care of doctors specialized in caring for sick and early...
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...Females will not breed again until they separate from their young. The length of the gestation period (pregnancy) is about 8 months. April through June is the typical mating season for these mammals. The female will stay on land in a maternal den during the entire pregnancy. Because the polar bear is deprived of food, she relies solely on fat reserves for her survival, and her cubs. She can have 1 to 4 cubs, but normally only has 2. They are blind at birth, but not hairless and weigh 1lb 3oz - 1lb 6 oz. They are some of the most underdeveloped of all the placental mammals. The cubs nurse for at least one year and are weaned at about 24-28 months. They stay with their mother until they are 2 ½ years...
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...Definition Organ transplantation is the moving of an organ from one body to another or from a donor site to another location on the person's own body, to replace the recipient's damaged or absent organ. The emerging field of regenerative medicine is allowing scientists and engineers to create organs to be re-grown from the person's own cells (stem cells, or cells extracted from the failing organs). Organs and/or tissues that are transplanted within the same person's body are called auto grafts. Transplants that are recently performed between two subjects of the same species are called allograft. Allograft can either be from a living or cadaveric source. Organs that can be transplanted are the heart, kidneys, liver, lungs, pancreas, intestine, and thymus. Tissues include bones, tendons (both referred to as musculoskeletal grafts), cornea, skin, heart valves, nerves and veins. Worldwide, the kidneys are the most commonly transplanted organs, followed by the liver and then the heart. Cornea and musculoskeletal grafts are the most commonly transplanted tissues; these outnumber organ transplants by more than tenfold. Organ donors may be living, brain dead, or dead via circulatory death. Tissue may be recovered from donors who die of circulatory death, as well as of brain death – up to 24 hours past the cessation of heartbeat. Unlike organs, most tissues (with the exception of corneas) can be preserved and stored for up to five years, meaning they can be "banked". Transplantation...
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