• Title/Summary/Keyword: Partial coverage

Search Result 139, Processing Time 0.025 seconds

Status Quo Bias in Ocean Marine Insurance and Implications for Korean Trade

  • Jung, Hongjoo;Lim, Soyoung
    • Journal of Korea Trade
    • /
    • v.25 no.5
    • /
    • pp.39-57
    • /
    • 2021
  • Purpose - This research uses ocean marine insurance (OMI) statistics, international emails, focus-group interviews, and surveys to fill the gap between the theory of behavioral insurance, particularly status quo bias (SQB), and the practice of OMI in Korea. The contractual forms of OMI, the oldest and most globalized form of commercial insurance, were developed in the UK as the Institute Cargo Clauses in 1906 and revised in 1963, 1982, and 2009. SQB has been academically explored, mostly in health insurance and the financial services sector, but never in OMI. Thanks to the availability of OMI statistics in Korea, we can conduct SQB research here for the first time in this field. Design/methodology - We show the existence of SQB in the OMI of Korea through Korean statistics between 2009 and 2018, email correspondence with experts in the UK, Germany, and Japan, focus-group interviews with Korean OMI underwriters, an in-depth interview with one underwriter, and a survey of 15 OMI insureds (company representatives). Findings - We find that Korean foreign traders rely on the old-type OMI contracts developed in 1963, whereas other industrialized countries use the newest type of OMI contract developed in 2009. With a simple loss ratio analysis during 2009-2018, we show that the behavior of insurers has little to do with rational profit maximization and is instead driven by irrational bias, as they forgo the more profitable contracts provided by the new clauses by keeping the old clauses. The consistent addiction to old types of contracts in the OMI market suggests strong SQB among Korean exporters, importers, bankers, or insurers, which we confirmed in our interviews and survey. Originality/value - This research has significant originality and academic value because it reports new findings with crucial implications for the development of efficient trade practices and policy. First, this research is based on actual statistics that have not been used in previous Korean research on OMI. Second, this research shows that all-risk OMI policies provide more value to insureds, in terms of coverage given premium, than partial coverage policies, which differs from arguments previously made in Korea. Third, this research reveals strong SQB in Korea, where foreign trade plays a pivotal role in economic growth. That bias could be attributable to uninformed traders, informed but idle insurers, or conservative bankers. Fourth, to further develop foreign trade, policy initiatives are needed to review the current practices of OMI contracts and move forward with the new contract forms. All of these findings and arguments are both new and important.

Detection of Drought Stress in Soybean Plants using RGB-based Vegetation Indices (RGB 작물 생육지수를 활용한 콩 한발 스트레스 판별기술 평가)

  • Sang, Wan-Gyu;Kim, Jun-Hwan;Baek, Jae-Kyeong;Kwon, Dongwon;Ban, Ho-Young;Cho, Jung-Il;Seo, Myung-Chul
    • Korean Journal of Agricultural and Forest Meteorology
    • /
    • v.23 no.4
    • /
    • pp.340-348
    • /
    • 2021
  • Continuous monitoring of RGB (Red, Green, Blue) vegetation indices is important to apply remote sensing technology for the estimation of crop growth. In this study, we evaluated the performance of eight vegetation indices derived from soybean RGB images with various agronomic parameters under drought stress condition. Drought stress influenced the behavior of various RGB vegetation indices related soybean canopy architecture and leaf color. In particular, reported vegetation indices such as ExGR (Excessive green index minus excess red index), Ipca (Principal Component Analysis Index), NGRDI (Normalized Green Red Difference Index), VARI (Visible Atmospherically Resistance Index), SAVI (Soil Adjusted Vegetation Index) were effective tools in obtaining canopy coverage and leaf chlorophyll content in soybean field. In addition, the RGB vegetation indices related to leaf color responded more sensitively to drought stress than those related to canopy coverage. The PLS-DA (Partial Squares-Discriminant Analysis) results showed that the separation of RGB vegetation indices was distinct by drought stress. The results, yet preliminary, display the potential of applying vegetation indices based on RGB images as a tool for monitoring crop environmental stress.

LOTOS Protocol Conformance Testing for Formal Description Specifications (형식 기술 기법에 의한 LOTOS 프로토콜 적합성 시험)

  • Chin, Byoung-Moon;Kim, Sung-Un;Ryu, Young-Suk
    • The Transactions of the Korea Information Processing Society
    • /
    • v.4 no.7
    • /
    • pp.1821-1841
    • /
    • 1997
  • This paper presents an automated protocol conformance test sequence generation based on formal methods for LOTOS specification by using and applying many existing related algorithms and technique, such as the testing framework, Rural Chinese Postman tour concepts. We use the state-transition graphs obtained from LOTOS specifications by means of the CAESAR tool. This tool compiles a specification written in LOTOS into an extended Petri net, from which a transition graph of a event finite-state machine(EvFSM) including data is generated. A new characterizing sequence(CS), called Unique Event sequence(UE sequence) is defined. An UE sequence for a state is a sequence of accepted gate events that is unique for this state. Some experiences about UE sequence, partial UE sequence and signature are also explained. These sequences are combined with the concept of the Rural Chinese Postman Tour to obtain an optimal test sequence which is a minimum cost tour of the reference transition graph of the EvFSM. This paper also presents a fault coverage estimation experience of an automated method for optimized test sequences generation and the translation of the test sequence obtained by using our tool to TTCN notation are also given. A prototype of the proposed framework has been built with special attention to real application in order to generated the executable test cases in an automatic way. This formal method on conformance testing can be applied to the protocols related to IN, PCS and ATM for the purpose of verifying the correctness of implementation with respect to the given specification.

  • PDF

Energy Efficient Query Processing based on Multiple Query Optimization in Wireless Sensor Networks (무선 센서 네트워크에서 다중 질의 최적화 기법을 이용한 에너지 효율적인 질의 처리 기법)

  • Lee, Yu-Won;Chung, Eun-Ho;Haam, Deok-Min;Lee, Chung-Ho;Lee, Yong-Jun;Lee, Ki-Yong;Kim, Myoung-Ho
    • Journal of KIISE:Databases
    • /
    • v.36 no.1
    • /
    • pp.8-21
    • /
    • 2009
  • A wireless sensor network is a computer network which consists of spatially distributed devices, called sensor nodes. In wireless sensor networks, energy efficiency is a key issue since sensor nodes must resides upon limited energy. To retrieve sensor information without dealing with the network issues, a sensor network is treated as conceptual database on which query can be requested. When multiple queries are requested for processing in a wireless sensor network, energy consumption can be significantly reduced if common partial results among similar queries can be effectively shared. In this paper, we propose an energy efficient multi-query processing technique based on the coverage relationship between multiple queries. When a new query is requested, our proposed technique derives an equivalent query from queries running at the moment, if it is derivable. Our technique first computes the set of running queries that may derive a partial result of the new query and then test if this set covers all the result of the new query attribute-wise and tuple-wise. If the result of the new query can be derived from the results of executing queries, the new query derives its result at the base station instead of being executed in the sensor network.

Comparison of Dosimetrical and Radiobiological Parameters on Three VMAT Techniques for Left-Sided Breast Cancer

  • Kang, Seong-Hee;Chung, Jin-Beom;Kim, Kyung-Hyeon;Kang, Sang-Won;Eom, Keun-Yong;Song, Changhoon;Kim, In-Ah;Kim, Jae-Sung
    • Progress in Medical Physics
    • /
    • v.30 no.1
    • /
    • pp.7-13
    • /
    • 2019
  • Purpose: To compare the dosimetrical and radiobiological parameters among various volumetric modulated arc therapy (VMAT) techniques using restricted and continuous arc beams for left-sided breast cancer. Materials and Methods: Ten patients with left-sided breast cancer without regional nodes were retrospectively selected and prescribed the dose of 42.6 Gy in 16 fractions on the planning target volume (PTV). For each patient, three plans were generated using the $Eclipse^{TM}$ system (Varian Medical System, Palo Alto, CA) with one partial arc 1pVMAT, two partial arcs 2pVMAT, and two tangential arcs 2tVMAT. All plans were calculated through anisotropic analytic algorithm and photon optimizer with 6 MV photon beam of $VitalBEAM^{TM}$. The same dose objectives for each plan were used to achieve a fair comparison during optimization. Results: For PTV, dosimetrical parameters such as Homogeneity index, conformity index, and conformal number were superior in 2pVMAT than those in both techniques. $V_{95%}$, which indicates PTV coverage, was 91.86%, 96.60%, and 96.65% for 1pVMAT, 2pVMAT, and 2tVMAT, respectively. In most organs at risk (OARs), 2pVMAT significantly reduced the delivered doses compared with the other techniques, excluding the doses to contralateral lung. For the analysis of radiobiological parameters, a significant difference in normal tissue complication probability was observed in ipsilateral lung while no difference was observed in the other OARs. Conclusions: Our study showed that 2pVMAT had better plan quality and normal tissue sparing than 1pVMAT and 2tVMAT but not for all parameters. Therefore, 2pVMAT could be considered the priority choice for the treatment planning for left breast cancer.

Effects of Combustor-Level High Inlet Turbulence on the Endwall Flow and Heat/Mass Transfer of a High-Turning Turbine Rotor Cascade

  • Lee, Sang-Woo;Jun, Sang-Bae;Park, Byung-Kyu;Lee, Joon-Sik
    • Journal of Mechanical Science and Technology
    • /
    • v.18 no.8
    • /
    • pp.1435-1450
    • /
    • 2004
  • Experimental data are presented which describe the effects of a combustor-level high free-stream turbulence on the near-wall flow structure and heat/mass transfer on the endwall of a linear high-turning turbine rotor cascade. The end wall flow structure is visualized by employing the partial- and total-coverage oil-film technique, and heat/mass transfer rate is measured by the naphthalene sublimation method. A turbulence generator is designed to provide a highly-turbulent flow which has free-stream turbulence intensity and integral length scale of 14.7% and 80mm, respectively, at the cascade entrance. The surface flow visualizations show that the high free-stream turbulence has little effect on the attachment line, but alters the separation line noticeably. Under high free-stream turbulence, the incoming near-wall flow upstream of the adjacent separation lines collides more obliquely with the suction surface. A weaker lift-up force arising from this more oblique collision results in the narrower suction-side corner vortex area in the high turbulence case. The high free-stream turbulence enhances the heat/mass transfer in the central area of the turbine passage, but only a slight augmentation is found in the end wall regions adjacent to the leading and trailing edges. Therefore, the high free-stream turbulence makes the end wall heat load more uniform. It is also observed that the heat/mass transfers along the locus of the pressure-side leg of the leading-edge horseshoe vortex and along the suction-side corner are influenced most strongly by the high free-stream turbulence. In this study, the end wall surface is classified into seven different regions based on the local heat/mass transfer distribution, and the effects of the high free-stream turbulence on the local heat/mass transfer in each region are discussed in detail.

Immediate Toe-to-Hand Transfer in Acute Hand Injuries (급성 수부 손상시 즉시 족지 전이술)

  • Woo, Sang-Hyun;Kim, Hak-Soo
    • Archives of Reconstructive Microsurgery
    • /
    • v.11 no.1
    • /
    • pp.19-28
    • /
    • 2002
  • From 1994-2001, 25 mutilated digits were reconstructed with immediate toe-to-hand transfer in acute hand injury in 21 patients. There were 15 cases of great toe-to-hand transfer(partial great toe transfer 8 cases, modified wrap-around procedure 2 cases, and trimmed great toe transfer 2 cases) for thumb reconstruction, 2 cases of second toe transfer for index reconstruction, and 4 cases of simultaneous two toe-to-hand transfer(great toe & second toe transfer 1 case, bilateral second-toe transfer 2 cases, combined second & third toe transfer 1 case) for reconstruction of multiple digit amputations. Two cases of emergency exploration(2/25, 8%) were successfully salvaged. The incidence of emergency exploration and postoperative infection was not significantly different from that of the elective toe-to-hand transfer cases. Duration of industrial insurance coverage was 225 days, which is much shorter than that of elective cases. Among 43% of patients maintained their original job even after injury and immediate toe-to-hand transfer. The subjective satisfaction self- assessment scores of aesthetic appearance and function on the new reconstructed thumb were 80 and 88 in average, respectively, over a total score of 100. These were higher than those of reconstruction of other digits, but lower than those of elective reconstruction. The donor site after harvest of the great toe was mostly unsatisfied in a view of appearance. Immediate toe-to-hand transfer provides many advantages over elective procedure in acute hand injuries such as single stage reconstruction, shortened convalescent period, early return to work and efficient socio-economic factor. Furthermore because there were no significant differences in success rate, frequency of complications or ultimate functional result, immediate toe-to-hand transfer is a safe and reliable procedure in case of limited indications for acute digits loss.

  • PDF

Free Rectus Muscle or Myocutaneous Flap for Reconstruction on the Various Sites (다양한 부위의 재건에 있어 유리복직근 피판술의 이용)

  • Ahn, Ki-Young;Lee, Jae-Wook;Han, Dong-Gil
    • Archives of Reconstructive Microsurgery
    • /
    • v.5 no.1
    • /
    • pp.80-91
    • /
    • 1996
  • A free rectus abdominis flap can include a variable amount of muscle length depending on recipient site requirements. There is also great flexibility in flap design in terms of size, orientation of its axis, and the level of its location over the muscle. It is safe to design the skin island across the midline. Though skin islands designed over the most inferior portion of the abdomen have not always proved reliable when based on the superior epigastric artery, free flaps based on the inferior pedicle can be successfully designed in this area. As free flap based on the inferior epigastric vessels, this flap has been useful for large head and neck defects following ablative procedures, for facial contour restoration as a buried flap, for upper extremity defects, for lower extremity defects such as coverage of grade III tibial fractures and for breast reconstruction. A free rectus abdominis muscle or myocutaneus flap was used in 8 patients. The operations were performed between Sep. of 1994 and April of 1996. The patients were tongue cancer 1 case, chronic facial palsy 1 case, unilateral breast reconstruction 1 case, upper and lower extremity injury 5 cases. The free rectus abdominis muscle flaps were 4 cases and the free myocutaneous flaps were 4 cases. There was no failure of the flap, except one partial necrosis. One case of the skin grafts on the muscle flap was regrafted. One case of reoperation due to venous thrombosis was performed. In tongue cancer patient, a orocutaneous fistula was occurred, but conservative treatment and secondandry skin graft were done. In conclusion, a free rectus abdominis flap has many advantages such as a long and constant pedicle, easy dissection, enough soft tissue available, scar on the donor site to be hiddened, no need for changing position. So we think that this flap is the most useful one for small or moderate sized defects on the various sites.

  • PDF

Surgical Treatment of Dermatomal Capillary Malformations in the Adult Face

  • Kim, Yoo-Jeong;Oh, Suk-Joon;Lee, Jun-Sang;Yang, Ji-Hoon;Koh, Sung-Hoon;Jung, Sung-Won
    • Archives of Plastic Surgery
    • /
    • v.39 no.2
    • /
    • pp.126-129
    • /
    • 2012
  • Background : Facial capillary malformations (CMs) rarely recede; they often become darker and raised in proportion to their growth. These malformations may hypertrophy in adulthood, resulting in increased disfigurement and dysfunction. Laser treatment is considered a first-line therapy for focal CMs, but thick wide lesions, which are accompanied by hypertrophy and have a well-circumscribed nodularity, may be treated with surgical excision and reconstruction. Methods : We retrospectively reviewed the records of 25 consecutive patients who had undergone complete or partial excisions of facial capillary malformations in our unit. After the excisions, the defects that encompassed their facial aesthetic units were subsequently covered by various methods, including primary closures, local flaps, expanded flaps, split-thickness skin grafts, and full thickness skin grafts. Results : The data demonstrated satisfactory results and reliability. Our patients were treated without significant complications, and all of the patients were moderately or fully satisfied with the outcome of their surgeries. Conclusions : Among the many reconstructive options for adult patients with facial capillary malformations, thick split-thickness skin grafts can be a good choice for the coverage of widely excised wounds.

Soft Tissue Reconstruction Using Perforator Flap in Patients with Infected Knee Prosthesis

  • Lee, Jin Won;Kim, Sung Hoon;Yoo, Jun Ho;Roh, Si Gyun;Lee, Nae Ho;Yang, Kyoung Moo
    • Archives of Reconstructive Microsurgery
    • /
    • v.23 no.2
    • /
    • pp.70-75
    • /
    • 2014
  • Purpose: Soft-tissue reconstruction in the knee area requires thin, pliable, and tough skin. The range of motion of the knee also acts as a limitation in using only local flaps for coverage. The author has successfully used various perforator flaps for soft tissue reconstruction around the knee while preserving its functional and cosmetic characteristics. Materials and Methods: Out of the twenty patients assessed from April 2009 to March 2011, seven received anterolateral thigh perforator flaps, four received medial sural perforator island flaps, four received lateral supragenicular perforaor perforator flaps, and five received medial genicular artery flaps. The age of the patients ranged from 44 to 79 and the size of the defects ranged from $4{\times}5cm$ to $17{\times}11cm$. Fifteen of the twenty patients had histories of total knee replacement (TKR) surgery. Results: There were no flap losses in any of the twenty patients assessed. Two patients showed partial losses in the distal area of the flap, but were treated through careful wound care. One patient presented with pedicle adhesion at the drainage site from a past TKR, but it did not hinder the flap survival. Primary closure at the donor site was possible in nine patients, while split skin graft was necessary for the other 13. Conclusion: In soft tissue reconstruction of the knee, various perforator flaps can be used depending on the condition of the preoperation scar, wound site, and size. It also proved to provide better functional and cosmetic results than in primary wound closure or skin grafts.