• Journal of Service Research and Studies
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• v.9 no.3
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• pp.39-60
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• 2019

The purpose of this study is to analyze the determinants of insurance product cross selling performance. For the study, 11 insurance managers and 2 sales managers belonging to A insurance agency were selected and in-depth interviews were conducted. The analysis of the research data was done by the open coding method suggested by Strauss & Corbin(2001). As a result, 84 concepts, 28 subcategories and 10 categories were derived. The ten categories that were determinants of insurance product cross-selling performance were personal characteristics, consultation method, cross-selling ratio, sales culture, education, customer change, customer DB provision, satisfaction, business support system, and customer service. In order to verify the qualitative results, quantitative analysis was emplyed to the actual performance data of insurance planners belonging to A insurance agency during April 2016~March 2019. As a result of the analysis, the age, position, and the number of months worked in the insurance company had a statistically significant effect on the number of life insurance contracts in total insurance contracts and life insurance contracts in total insurance contracts. In addition, the age, position, and the number of months worked in the insurance company had a statistically significant negative impact on the number of non-life insurance contracts in the total number of insurance contracts and the total amount of insurance contracts in total insurance contracts. The result of this study can be an important basic data for the development of educational programs and job support systems for the training of insurance planners. Insurance companies should refer to ten categories derived from qualitative research in order to increase the performance of insurance planners and to promote long-term service. Especially, it is necessary to develop specialized education programs and job support systems so that cross sales that increase the proportion of life insurance sales increase.

• Journal of the Korean Institute of Traditional Landscape Architecture
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• v.34 no.3
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• pp.28-37
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• 2016

Through the research and analysis on the hydrological environment and soil environment of habitats through documentary and field studies over 14 habitats of Euryale ferox Salisb. within Jeollabukdo, with the objective of acquiring the basic data for forming an environment based on plantation of reservoirs that are composed with Euryale ferox, the following results were obtained. As a result of analyzing the construction period of the habitats of Euryale ferox from a total of 14 places, the average period of duration after construction of all subject reservoirs appeared to be 71.8 years. Moreover, when examining the relationship between the age of reservoirs and eutrophication, it could be judged that at least the eutrophication of subsoil and water environment is not an obstacle to the growth of Euryale ferox grows in habitats that have a reservoir age of approximately 70 years or more. As a result of analyzing the gardening of soil sediment of the Euryale ferox habitats, the component ingredients appeared to be composed of 80.2% of clay, 16.7% of silt and 3.1% of sand, and the soil class pursuant to such was classified as 'heavy clay'. The organic matter contents of soil sediment appeared to be an average of 36g/kg, and there appeared to be no noticeable difference between the habitats and non-habitats of Euryale ferox. The water quality environment of Euryale ferox habitat appeared to be pH 6.5~7.9, concentration of dissolved oxygen to be $1.8{\sim}8.8mg/{\ell}$, concentration of COD to be $6.8{\sim}74mg/{\ell}$, floating materials to be $2.0{\sim}213mg/{\ell}$, total nitrogen to be $0.422{\sim}10.723mg/{\ell}$, and phosphate to be $0.003{\sim}0.126mg/{\ell}$. The average DO concentration of Aedang Reservoir at Jeongeup, Daejeong Reservoir at Imsil, and Myeongdeokji at Gimje with high vitality and green coverage ratio of Euryale ferox appeared to be $3.5mg/{\ell}$, total nitrogen to be $1.33mg/{\ell}$, and concentration of phosphorus-phosphate to be $0.061mg/{\ell}$. When comparing such with the entire average value, the DO and total nitrogen concentration appeared to be rather low, and the phosphorus-phosphate concentration appeared to be higher by two times or more, thus, an in-depth study on the correlation of the vitality of Euryale ferox Salisb. and concentration of phosphorate-phosphorus will be needed in the future.

• The Journal of Engineering Geology
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• v.25 no.4
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• pp.533-545
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• 2015

Spatial and seasonal variations in hydrogeochemical characteristics and the factors affecting the deterioration in quality of shallow portable groundwater in an agricultural area are examined. The aquifer consists of (from the surface to depth) agricultural soil, weathered soil, weathered rock, and bedrock. The geochemical signatures of the shallow groundwater are mostly affected by the NO₃⁻ and Cl⁻ contaminants that show a gradual downward increase in concentration from the upper area, due to the irregular distribution of contamination sources. The concentrations of the major cations do not varied with the elapsed time and the NO₃⁻ and Cl⁻ ions, when compared with concentrations in background groundwater, increase gradually with the distance from the upper area. This result suggests that the water quality in shallow groundwater deteriorates due to contaminant sources at the surface. The contaminations of the major contaminants in groundwater show a positive linear relationship with electrical conductivity, indicating the deterioration in water quality is related to the effects of the contaminants. The relationships between contaminant concentrations, as inferred from the ternary plots, show the contaminant concentrations in organic fertilizer are positively related to concentrations of NO₃⁻, Cl⁻, and SO₄²⁻ ions in the shallow portable groundwaters, which means the fertilizer is the main contaminant source. The results also show that the deterioration in shallow groundwater quality is caused mainly by NO₃⁻ and Cl⁻ derived from organic fertilizer with additional SO₄²⁻ contaminant from livestock wastes. Even though the concentrations of the contaminants within the shallow groundwaters and the contaminant sources are largely variable, it is useful to consider the ratio of contaminant concentrations and the relationship between contaminants in groundwater samples and in the contaminant source when analyzing deterioration in water quality.

• Economic and Environmental Geology
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• v.47 no.6
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• pp.611-623
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• 2014

The alluvial aquifer, widely developed near the four major rivers such as Nakdong River, can be used effectively for groundwater artificial recharge and is expected to be the future water resources in Korea. This study is aimed at examining the impact of repeatedly injected river water into the riverside alluvial aquifer on injection rate or efficiency in its system at Changweon area. For this, injection tests were performed two times, first on June 19 and second on September 25 through October 9, 2013, and the mixing ratios of river water to groundwater were used as the tool to compare the efficiency of injection. The mixing ratios were evaluated by using electrical conductivities of injected river water (average $EC=303{\mu}S/cm$) and groundwater ($EC{\fallingdotseq}6,000{\mu}S/cm$) measured at 20 m depth of four observation wells installed 10 m apart from each injection well. The result shows the remarkable differences on two respects. First, in some observation well, detection time for incipient injection effect during $2^{nd}$ injection test was shown to be much slower than that of $1^{st}$ injection test. Second, the hourly increasing rate of mixing ratios in $2^{nd}$ test was revealed to be reduced much more than that of $1^{st}$ test. This means that the efficiency of injection was badly deteriorated by only 1,210 minute injection work. Therefore, injection water needs to be adequately treated beforehand and repeated pumping work and/or resting phase is needed afterwards. To a certain extent, the improvement of water quality in saline aquifer was verified in this system by injection tests.

• Journal of Intelligence and Information Systems
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• v.25 no.4
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• pp.105-122
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• 2019

Dimensionality reduction is one of the methods to handle big data in text mining. For dimensionality reduction, we should consider the density of data, which has a significant influence on the performance of sentence classification. It requires lots of computations for data of higher dimensions. Eventually, it can cause lots of computational cost and overfitting in the model. Thus, the dimension reduction process is necessary to improve the performance of the model. Diverse methods have been proposed from only lessening the noise of data like misspelling or informal text to including semantic and syntactic information. On top of it, the expression and selection of the text features have impacts on the performance of the classifier for sentence classification, which is one of the fields of Natural Language Processing. The common goal of dimension reduction is to find latent space that is representative of raw data from observation space. Existing methods utilize various algorithms for dimensionality reduction, such as feature extraction and feature selection. In addition to these algorithms, word embeddings, learning low-dimensional vector space representations of words, that can capture semantic and syntactic information from data are also utilized. For improving performance, recent studies have suggested methods that the word dictionary is modified according to the positive and negative score of pre-defined words. The basic idea of this study is that similar words have similar vector representations. Once the feature selection algorithm selects the words that are not important, we thought the words that are similar to the selected words also have no impacts on sentence classification. This study proposes two ways to achieve more accurate classification that conduct selective word elimination under specific regulations and construct word embedding based on Word2Vec embedding. To select words having low importance from the text, we use information gain algorithm to measure the importance and cosine similarity to search for similar words. First, we eliminate words that have comparatively low information gain values from the raw text and form word embedding. Second, we select words additionally that are similar to the words that have a low level of information gain values and make word embedding. In the end, these filtered text and word embedding apply to the deep learning models; Convolutional Neural Network and Attention-Based Bidirectional LSTM. This study uses customer reviews on Kindle in Amazon.com, IMDB, and Yelp as datasets, and classify each data using the deep learning models. The reviews got more than five helpful votes, and the ratio of helpful votes was over 70% classified as helpful reviews. Also, Yelp only shows the number of helpful votes. We extracted 100,000 reviews which got more than five helpful votes using a random sampling method among 750,000 reviews. The minimal preprocessing was executed to each dataset, such as removing numbers and special characters from text data. To evaluate the proposed methods, we compared the performances of Word2Vec and GloVe word embeddings, which used all the words. We showed that one of the proposed methods is better than the embeddings with all the words. By removing unimportant words, we can get better performance. However, if we removed too many words, it showed that the performance was lowered. For future research, it is required to consider diverse ways of preprocessing and the in-depth analysis for the co-occurrence of words to measure similarity values among words. Also, we only applied the proposed method with Word2Vec. Other embedding methods such as GloVe, fastText, ELMo can be applied with the proposed methods, and it is possible to identify the possible combinations between word embedding methods and elimination methods.

• Korean Journal of Weed Science
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• v.12 no.2
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• pp.144-157
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• 1992

The study was conducted to compare the interprete methods and examine the feasibility of mixture use of oxyfluorfen and bensulfuron in controlling principal Paddy weeds, annuals and perennials. Application ratio of both chemicals were obtained from the combinations of 5 levels(0, 5, 10, 15, 20 g ai/ha) of each chemicals, respectively. All the treatments were applied at 5 days after transplanting and water was maintained at 3.0cm in depth. Shoot fresh-weight of weeds was assessed at 35 days after treatments. Data obtained was analysed by Colby, Isobole, Calculus, Regression and EQM method, respectively. The results from the analysis of variance on the principal weeds treated with oxyfluorfen and bensulfuron showed significant interactions at 1% level on both Echinochloa crus-galli and Eleocharis Kuroguwai, and total species at 0.5% level on both Potamogeton distinctus and Cyperus serotinus, but non significant on Scirpus juncoides and Sagittaria pygmaea. Thereafter, the results of the models applied to Echinochloa crus-galli, Eleocharis kuroguwai and total species were as follows ; 1. The Colby method gave values nearly identical to regression estimate method (both multiplicative models) as provided by Akobundu et al. The Colby method and Regression method indicated synergistic toward Echinochloa curs-galli, and total species, but antagonistic toward Eleocharis kuroguwai. 2. The Isobole method shows synergism on Echinochloa crus-galli at $ID_{50}$, and total species at $ID_{60}$ on Eleochari kuroguwai. 3. The Calculus method gave positive signs for the first differentiation and negative signs for the second differentiation except for some rates on Echinochloa crus-galli and total species, but reverse on Eleocharis kuroguwai. These result does not agree with the observed values. 4. ${\theta}$ value from the EQM method was greater than one at all combinations. This result was quite different from those of other methods. 5. The various models did not show the same results, but mixture of oxyfluorfen and bensulfuron tend to have synergistic effect. Weeding effect also was high. Treatment in terms of two chemical combination was expected to reduce rates, and to enhence weeding efficacy compared with single treatment.

• The Sea:JOURNAL OF THE KOREAN SOCIETY OF OCEANOGRAPHY
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• v.8 no.4
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• pp.392-400
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• 2003

We used an oxygen microelectrode to measure the vertical profiles of oxygen concentration in sediments located near point sources of organic matter. The measurements were carried out between 13th and 17th May, 2003, in semi-closed bay and coastal sediments in the central part of the South Sea. The measured oxygen penetration depths were extremely shallow and ranged from 1.30 to 3.80 mm. This suggested that the oxidation and reduction reactions in the early diagenesis should be studied at the mm depth scale. In order to estimate the oxygen consumption rate, we applied the one-dimension diffusion-reaction model to vertical profiles of oxygen near the sediment/water interface. Oxygen consumption rates were estimated to be between 10.8 and 27.6 mmol O$_2$ m$\^$-2/ day$\^$-1/(average: 19.1 mmol O$_2$ m$\^$-2/ day$\^$-1/). These rates showed a positive correlation with the organic carbon of the sediments. The corresponding benthic organic carbon oxidation rates calculated using an modified Redfield ratio (170/110) at the sediment/water interface were in the range of 89.5-228.1 mg C m$\^$-2/ day$\^$-1/(average: 158.0 mg C m$\^$-2/ day$\^$-1/). We suggest that these results are maximum values at the presents situation in the bay because the sampling sites were located near point sources of organic materials. This study will need to be carried out at many coastal sites and throughout the seasons to allow an understanding of the mechanisms of eutrophication e.g. the spatial distribution of oxygen consumption within the oxic zone and hypoxic conditions in the coastal sea.

• Korean Journal of Fisheries and Aquatic Sciences
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• v.31 no.1
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• pp.45-55
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• 1998

Phytoplankton community and primary productivity have been investigated in a fall season in the southern coastal waters of the last Sea, Korea. A strong thermocline formed at the 20\~60\;m$ layer and a cold water mass also existed in the bottom around Yong-il Bay. The offshore of the surveyed area was likely to be influenced by relatively warmer water, whereas the inshore represented Higher primary productivity with lower water temperature and lower salinity. A total of 133 species of phytoplankton occurred, representing 107 spp. of diatom, 23 spp. of dinoflagellate 3 spp. of silicoflagellate. Skeletonema costatum and Asterionellepsis glacialis were most predominant with more than $30\%$ dominance ratio, while Leptocylindrus danicus was also dominant at all transect lines. Standing crops of phytoplankton ranged from $2.7{\times}10^3\;to\;141.6{\times}10^3\;cell^{\ell-1}$. Chlorophyll a concentration varied with stations and layers, but the $30\~50$ m layer showed maximun with about $1.18{\mu}g{\ell}^{-1}$ rather than at the surface layer. It is believed that the maximun in standing crops and chlorophyll of phytoplankton formed at the $20\~50$ m layer above the thermocline during the survey. Phytoplankton primary productivity ranged from 0.32 to 3.04 mgC $m^{-3}\;hr^{-1}$, showing higher at the inshore than at the offshore. The range of integrated primary productivity was $263.3\~1085.5 mgC\;m^{-2}\;day^{-1}$ for the euphotic layer. Photosysthesis rates varied with the range from 0.76 to 8.04 mgC mgChl $\alpha^{-1}\;hr^{-1}$. Phytoplankton photosynthesis at the inshore was saturated at lower irradiance ($15\~35\%$ of surface) and showed higher efficiency, Thus, it revealed that the phytoplankton community probably adapted to the middle of euphotic layer because the depth of mixing layer became thinner due to the formation of thermocline.

• Journal of Korean Tunnelling and Underground Space Association
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• v.13 no.4
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• pp.347-370
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• 2011

Slurry type shield would be very effective for the tunnelling in a sandy ground, when the slurry pressure would be properly adjusted. Low slurry pressure could cause a tunnel face failure or a ground settlement in front of the tunnel face. Thus, the stability of tunnel face could be maintained by applying an excess slurry pressure that is larger than the active earth pressure. However, the slurry pressure should increase properly because an excessively high slurry pressure could cause the slurry flow out or the passive failure of the frontal ground. It is possible to apply the high slurry pressure without passive failure if a horizontal impermeable layer is located in the ground in front of the tunnel face, but its location, size, and effects are not clearly known yet. In this research, two-dimensional model tests were carried out in order to find out the effect of a horizontal impermeable layer for the slurry shield tunnelling in a saturated sandy ground. In tests slurry pressure was increased until the slurry flowed out of the ground surface or the ground fails. Location and dimension of the impermeable layer were varied. As results, the maximum and the excess slurry pressure in sandy ground were linearly proportional to the cover depth. Larger slurry pressure could be applied to increase the stability of the tunnel face when the impermeable layer was located in the ground above the crown in front of the tunnel face. The most effective length of the impermeable grouting layer was 1.0 ~ 1.5D, and the location was 1.0D above the crown level. The safety factor could be suggested as the ratio of the maximum slurry pressure to the active earth pressure at the tunnel face. It could also be suggested that the slurry pressure in the magnitude of 3.5 ~4.0 times larger than the active earth pressure at the initial tunnel face could be applied if the impermeable layer was constructed at the optimal location.

• Korean Journal of Remote Sensing
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• v.14 no.4
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• pp.353-365
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• 1998

Light absorption coefficient per unit mass of particles, i.e., specific absorption coefficient, is important as one of the main parameters in developing algorithms for ocean color remote sensing. Specific absorption coefficient of chlorophyll ($a^*_{ph}$) and suspended sediment ($a^*_{ss}$) were analyzed with a spectrophotometer using the "wet filter technique" and "Kishino method" for the seawater collected in the Yellow and Mediterranean Sea. An improved data-recovery method for the filter technique was also developed using spectrum slopes. This method recovered the baselines of spectrum that were often altered in the original methods. High $a^*_{ph}({lambda})$ values in the oligotrophic Mediterranean Sea and low values in the Yellow Sea were observed, ranging 0.01 to 0.12 $m^2$/mg at the chlorophyll maximum absorption wavelength of 440 nm. The empirical relationship between $a^*_{ph}$(440nm) and chlorophyll concentrations () was found to fit a power function ($a^*_{ph}$=0.039 $^{-0.369}$), which was similar to Bricaud et al. (1995). Absorption specific coefficients for suspended sediment ($a^*_{ss}$) did not show any relationship with concentrations of suspended sediment. However, an average value of $a^*_{ss}$ ranging 0.005 - 0.08 $m^2$/g at 440nm, was comparable to the specific absorption coefficient of soil (loess) measured by Ahn (1990). The morepronounced variability of $a^*_{ss}$ than $a^*_{ph}$ was determined from the variable mixing ratio values between particulate organic matter and mineral. It can also be explained by a wide size-distribution range for SS which were determined by their specific gravity, bottom state, depth and agitation of water mass by wind in the sea surface.