• The Journal of the Korean life insurance medical association
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• v.24
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• pp.97-117
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• 2005

Internally Korean insurance market is that whole life products' growth are becoming slowdown that's why new insurance products have appeared on the market in consideration of consumer's needs recently. Externally domestic insurance market competitions has drifted from insurance industry to whole financial industry since bankasurance started. Life insurance companies should open up a new market to survive from severe competitions. Worksite marketing can be an alternative. An insurer make arrangements with an employer about an insurance terms which an insurer offers in Worksite marketing. Then eligible individuals enroll in the plans at their own discretion and pay 100 percent of the premium for coverage through payroll deductions. An employer doesn't need to pay extra money for additional benefit but can raise employee's loyalty and satisfaction of company through worksite marketing. An employee can be covered at discounted premium rate and less strict underwriting guidelines to an insurer compared to individual insurance. In developed countries specially U.S insurance market, Worksite marketing is getting very popular and growing rapidly due to the advantages. Worksite marketing has both individual insurance characters and group insurance characters. Individual insurance characters are that employees enroll in the plans at their own discretion and pay 100 percent of the premium for coverage. Group insurance characters are that actively at work and participation etc. An insurer have to reflect these two characters on Worksite marketing when an insurance company work out a plan for developing products and underwriting guidelines. When an insurer devise worksite products, one should consider participation level which means percentage of eligible employees participating. Participation is related to anti-selection. As we know underwriting is essential for every kind of insurance, especially underwriting plays major role in worksite marketing. We can see that in the below. Firstly, it has a function in calculation of premium rate. When calculate premium rate for worksite products underwriters have to estimate expected participation level and risk factors. So underwriters and acturies keep in close contact with each other. Secondly, underwriting methods are important. When an insurer underwrite worksite products, there are three kinds of underwriting methods. These are Simplified issue underwriting, Full underwriting and Guaranteed issue underwriting. Simplified issue underwriting typically requires no medical examination, but usually requires supplying satisfactory answers to one or several health and/or lifestyle questions. Full underwriting requires a complete medical history questionnaire that may further require an exam. Guaranteed issue underwriting means that coverage is issued without the employee having to provide evidence of insurability. When insurer set the GI limit are usually based on the type of industry, number of eligible employees, the average amount of coverage and participation level. In addition to insurer should have a clear definition of eligible employee on the insurance provision and application form. It will minimize possibility of trouble claims and anti-selection. An insurer also establish preexisting condition exclusion and special guidelines for late entrants. When an insurer introduce Worksite marketing to Korean insurance market, an insurer has to examine market research to analyze potential market and strategy of sales most of all. Also an insurer should review real situation of the U.S, England and Japanese market etc. There are a lot of new technologies about worksite marketing process that an insurer should learn. When an insurer consider many things which we explained it can be a real alternative.

• Journal of the Mineralogical Society of Korea
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• v.17 no.3
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• pp.221-233
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• 2004

Mineralogical characteristics and genesis of phlogopite in the talc deposits of the chungnam area were studied. Mica is one of the major impurity of talc ores in the study area. Talc-related micas show typical phlogopite composition, whereas talc-unrelated micas show wide compositional variations between biotite and phlogopite. Phlogopite mainly occurs in the black-wall type zone, especially in the nodular talc ores near the outer part of talc ore bodies. Interleaving textures of phlogopite and chlorite are easily observed under the optical microscope and back-scattered electron images. Interleaving textures of phlogopite and talc are observed also. Examination of the phlogopite by transmission electron microscope reveals that 14 $\AA$ layers of chlorite are randomly interlayered within the 10 $\AA$ layers of phlogopite, which suggests that the genesis of phlogopite is closely related to chlorite. Considering the occurrence and mineralogical characteristics of phlogopite, and the possible origin of K for the formation of phlogopite, phlogopite of the study area was formed by interaction between talc ore body and hydrothermal solution containing sufficient K at the late stage of talc formation. K might be introduced from the granitic gneiss at the contact zone between the talc ore body and the granitic gneiss under favorable structural condition for the potash metasomatism.

• Transactions of the Korean hydrogen and new energy society
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• v.18 no.3
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• pp.230-237
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• 2007

Titania nanotube(TiNT) and CdS sol were synthesized by hydrothermal reaction under strongly basic condition and by precipitation reaction of $Cd(N0_3)_2$ and $Na_2S$ aqueous solutions, respectively. After preparing a series of CdS-TiNT composite films on $F:SnO_2$ conducting glass with variation of the mole ratio (r) of TiNT/(CdS+TiNT), their visible light absorption, photocatalytic activities for hydrogen production, and the photocurrent generation were examined. In general, this CdS-TiNT series showed lower photocatalytic activities and photocurrent generation under Xe light irradiation compared to their counterparts, i.e., CdS-$TiO_2$ particulate series. It appeared that TiNTs are not so effective photocatalyic material in spite of their larger specific surface areas compared to $TiO_2$ nanoparticles, because they indicate a poor crystallinity and less intimate interaction or contact with CdS particles owing to the tubular morphology and an easy agglomeration among themselves.

• Transactions of the Korean Society of Mechanical Engineers A
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• v.34 no.2
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• pp.145-152
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• 2010

This study evaluated the fatigue degradation in a SUS316L specimen using the nonlinear ultrasonic method. The nonlinearity of the ultrasonic wave was estimated by a relative nonlinear parameter defined as the ratio of the amplitudes for the fundamental wave to the second harmonic wave. In the experiment, a measurement system with contact transducers was constructed; reliable measurements were assured by keeping measurement conditions consistent and reducing extra harmonics generated in the measurement system. Two types of SUS316L specimen were used in experiments; a rotating bar fatigue specimen and a tensile fatigue specimen. The fatigue condition used was high cycle fatigue. The former specimen had a cylindrical shape and was used to observe the change in the nonlinear parameter after fatigue accumulation in a specimen. The latter was a plate-shaped specimen and was used to confirm the change in the nonlinear parameter at the position where the fatigue stress was concentrated. The measured nonlinear parameter showed a strong correlation to the damage level in both fatigue tests.

• Journal of Korean Society of Water and Wastewater
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• v.21 no.6
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• pp.727-735
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• 2007

The use of water by cities is increasing owing to industrialization, the concentration of population, and the enhancement of the standard of living. Accordingly, the amount of waste water is also increasing, and the degree of pollution of the water system is rising. In order to solve this problem, it is necessary to remove organisms and suspended particles as well as the products of eutrophication such as nitrates and phosphates. This study developed a high-end treatment engineering solution with maximum efficiency and lower costs by researching and developing a advanced treatment engineering solution with the use of Biosorption. As a result, the study conducted a test with a $50m^3/day$ Pilot Scale Plant by developing treatment engineering so that only the secondary treatment satisfies the standard of water quality and which provided optimal treatment efficiency along with convenient maintenance and management. The removal of organisms, which has to be pursued first for realizing nitrification during the test period, was made in such a way that there would be no oxidation by microorganisms in the reactor while preparing oxygen as an inhibitor for the growth of microorganism in the course of moving toward the primary settling pond. The study introduced microorganisms in the endogeneous respiration stage to perform adhesion, absorption, and filtering by bringing them into contact with the inflowing water with the use of a sludge returning from the secondary settling pond. Also a test was conducted to determine how effective the microorganisms are as an inner source of carbon. The HRT(Hydraulic Retention Time) in the nitrification tank (aerobic tank) could be reduced to two hours or below, and the stable treatment efficiency of the process using the organisms absorbed in the NAR reactor as a source of carbon could be proven. Also, given that the anaerobic condition of the pre-treatment tank becomes basic in the area of phosphate discharge, it was found that there was excellent efficiency for the removal of phosphate when the pre-treatment tank induced the discharge of phosphate and the polishing reactor induced the uptake of phosphate. The removal efficiency was shown to be about 94.4% for $BOD_5$. 90.7% for $COD_{Cr}$ 84.3% for $COD_{Mn}$, 96.0% for SS, 77.3% for TN, and 96.0% for TP.

• Journal of the Korean Geotechnical Society
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• v.29 no.1
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• pp.93-107
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• 2013

Thermal conduction of the particulate composites or granular materials can be widely used in porous materials and geotechnical engineering. And it has continued to develop "effective thermal conductivity" of medium by modeling energy relationship among particles in medium. This study focuses on the development of the effective thermal conductivity at the unsaturated conditions of soils using the modified network model approach assisted by synthetic 3D random packed systems (DEM method, Discrete Element Method) at the particle scale. To verify the network model, three kinds of glass beads and the Jumunjin sand are used to obtain experimental values at various unsaturated conditions. The PPE (Pressure Plate Extractor) test is then performed to obtain SWCC (Soil-Water Characteristic Curve) of soil samples. In the modified network model, SWCC is used to adjust the equivalent radius of thermal cylinder at contact area between particles. And cutoff range parameter to define the effective zone is also adjusted according to the SWCC at given conditions. From a series of laboratory tests and the proposed network model, the modified network model which adopts a SWCC shows a good agreement in modeling thermal conductivity of granular soils at given conditions. And an empirical correlation between the fraction of the mean radius (${\chi}$) and thermal conductivity at given saturated condition is provided, which can be used to expect thermal conductivity of the granular soils, to estimate thermal conductivity of granular soils.

• Journal of Mechanical Science and Technology
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• v.18 no.5
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• pp.770-779
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• 2004

This paper describes the micro cutting of wear resistant tungsten carbides using PCD (Poly-Crystalline Diamond) cutting tools in performance with SEM (Scanning Electron Microscope) direct observation method. Turning experiments were also carried out on this alloy (V50) using a PCD cutting tool. One of the purposes of this study is to describe clearly the cutting mechanism of tungsten carbides and the behavior of WC particles in the deformation zone in orthogonal micro cutting. Other purposes are to achieve a systematic understanding of machining characteristics and the effects of machining parameters on cutting force, machined surface and tool wear rates by the outer turning of this alloy carried out using the PCD cutting tool during these various cutting conditions. A summary of the results are as follows: (1) From the SEM direct observation in cutting the tungsten carbide, WC particles are broken and come into contact with the tool edge directly. This causes tool wear in which portions scrape the tool in a strong manner. (2) There are two chip formation types. One is where the shear angle is comparatively small and the crack of the shear plane becomes wide. The other is a type where the shear angle is above 45 degrees and the crack of the shear plane does not widen. These differences are caused by the stress condition which gives rise to the friction at the shear plane. (3) The thrust cutting forces tend to increase more rapidly than the principal forces, as the depth of cut and the cutting speed are increased preferably in the orthogonal micro cutting. (4) The tool wear on the flank face was larger than that on the rake face in the orthogonal micro cutting. (5) Three components of cutting force in the conventional turning experiments were different in balance from ordinary cutting such as the cutting of steel or cast iron. Those expressed a large value of thrust force, principal force, and feed force. (6) From the viewpoint of high efficient cutting found within this research, a proper cutting speed was 15 m/min and a proper feed rate was 0.1 mm/rev. In this case, it was found that the tool life of a PCD tool was limited to a distance of approximately 230 m. (7) When the depth of cut was 0.1 mm, there was no influence of the feed rate on the feed force. The feed force tended to decrease, as the cutting distance was long, because the tool was worn and the tool edge retreated. (8) The main tool wear of a PCD tool in this research was due to the flank wear within the maximum value of $V_{max}$ being about 260 $\mu\textrm{m}$.

• Korean Journal of Psychosomatic Medicine
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• v.27 no.2
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• pp.173-180
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• 2019

Objectives : Loneliness is associated with negative mental and physical health. However, little is known about the risk factors of loneliness in the Korean elderly living alone. The aim of this study was to examine sociodemographic and social network related risks for loneliness among the elderly living alone. Methods : This is a cross-sectional study that enrolled 1,091 subjects who are the community-residing elderly living alone. Sociodemographic status, medical condition, cognition, mood disorder and levels of loneliness were collected using a self-administered questionnaire and a specific semi-structured interview conducted by a trained nurse. Descriptive statistics were used to analyze data regarding sociodemographic variable and loneliness. Univariate and Multivariate regression analyses were applied to examine factors associated with loneliness. Results : The mean score of loneliness was 3.8 (SD=1.7). No family contact (standardized β=0.115, p<0.001), no religious attendance (standardized β=0.057, p=0.028), no gathering with friends (standardized β=0.088, p=0.001) and high score of Short for of Geriatric Depression Scale (standardized β=0.502, p<0.001) were significantly associated with high loneliness in the elderly living alone. Conclusions : Family function, social network and depressive mood could be significant risk factors for high loneliness in the elderly living alone. Public health promotion efforts to reduce loneliness should focus on improving family function, social network and decreasing depression.

• Journal of Conservation Science
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• v.30 no.1
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• pp.1-11
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• 2014

Stabilization of iron artifacts is focused on desalination than corrosion inhibitors. However artifacts are not condition of desalination treatment must be applied to corrosion inhibitors. But iron artifacts is not representative of inhibitors which drug is most effective qualities have not been identified. Therefore in this study validates the effectiveness of existing inhibitors and its purpose is to suggest corrosion inhibitors for iron artifacts. In this study, Comparative experiment of corrosion inhibitors is selected BTA, DAN and MEA, TEA. This study was studied using Corrosion resistance test, Contact angle, XPS. As a result, all the samples treated with corrosion inhibitors was formed hydrophobic coating and was rising corrosion resistance. Also, the concentration of corrosion inhibitors was 3% better than 0.3%. BTA in the XPS experiment, the corrosive material to block the CH bond of the peak concentration was highly. This is considered corrosion potential is very high to see out the effect in the polarization experiment. Ethanolamine was superior to the MEA rather than in the TEA. MEA is likely to be appropriate in an outdoor iron artifacts seem to be suitable as corrosion inhibitors.

• Applied Chemistry for Engineering
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• v.25 no.2
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• pp.142-146
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• 2014

The separation of nitrogen heterocyclic compound (NHC) contained in a model coal tar fraction of nine components system was investigated by distribution equilibrium. The model coal tar fraction comprising NHC group (NHCs; indole (In), quinoline (Q), iso-quinoline (iQ), quinaldine(Qu)), bicyclic aromatic compound group (BACs; 1-methylnaphthalene (1MN), 2-methylnaphthalene (2MN), dimethylnaphthalene (DMN)), biphenyl (Bp) and phenyl ether (Pe) and the aqueous methanol were used as the raw materials and the solvent of this work, respectively. A batch-stirred tank was used as the liquid-liquid contact unit of this work. The distribution coefficient of NHCs increased by increasing the equilibrium operation temperature, whereas the selectivity of NHCs with respect to BACs decreased. Decreasing the initial volume ratio of water to the solvent resulted in deteriorating the selectivity of NHCs in reference to BACs, but improving the distribution coefficients of NHCs. At a fixed experimental condition, the sequence of the distribution coefficient and the selectivity with reference to BACs for each groups was increased in order of NHCs > Bp > BACs > Pe and NHCs > Bp> Pe, respectively. Also, the sequence of the distribution coefficient for entire compounds was in order of In > iQ = Q > Qu > Bp > 1MN = 2MN > Pe > DMN. The maximum yield of NHCs and the selectivity of NHCs based on BACs obtained by methanol extraction were 94 and 23%, respectively. Furthermore, the recovery process for NHCs from coal tar was studied by using the experimental results from this work.