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11 Pages
Review Exercises_2011
Course: ACTSC 463, Fall 2011School: Waterloo
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Word Count: 1321
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XYZ 1. Insurance Company has been writing business since 1/1/2005 and has provided you with following incurred loss data evaluated at 12/31/2009: Report Year Accident Year 2005 2006 2007 2008 2009 10,000 4,000 2,000 1,000 2005 12,000 5,000 2,500 1,500 2006 16,000 6,500 3,500 2007 18,000 7,000 2008 20,000 2009 Development Interval 1-2 Years 2-3 Years 3-4 Years 4-5 Years 5-Ultimate Accident Year Report Year 1.50...
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XYZ 1. Insurance Company has been writing business since 1/1/2005 and has provided you with
following incurred loss data evaluated at 12/31/2009:
Report Year
Accident Year
2005
2006
2007
2008
2009
10,000
4,000
2,000
1,000
2005
12,000
5,000
2,500
1,500
2006
16,000
6,500
3,500
2007
18,000
7,000
2008
20,000
2009
Development
Interval
1-2 Years
2-3 Years
3-4 Years
4-5 Years
5-Ultimate
Accident Year Report Year
1.50
1.10
1.25
1.10
1.10
1.00
1.10
1.00
1.05
1.00
Assuming the development factors are correct, estimate unreported losses as of 12/31/2009.
1. Solution
Calculate ultimate AY and RY loss development factors:
Cumulative LDFs
Development
Interval
1-2 Years
2-3 Years
3-4 Years
4-5 Years
5-Ultimate
Accident Year
1.500
1.250
1.100
1.100
1.050
Cumulative
AY
2.382
1.588
1.271
1.155
1.050
Report Year
1.100
1.100
1.000
1.000
1.000
Cumulative
RY
1.210
1.100
1.000
1.000
1.000
Calculate ultimate Accident Year and Report Year losses.
AY Incurred
RY Incurred to
AY/RY
to Date
AY LDF
AY Ultimate
Date
2005
17,000
1.050
17,850
10,000
2006
21,000
1.155
24,255
16,000
2007
26,000
1.271
33,046
23,000
2008
25,000
1.588
39,700
28,000
2009
20,000
2.382
47,640
32,000
Total
109,000
162,491
109,000
Estimated unreported losses = AY Ultimate - RY Ultimate
43,971
RY LDF
RY Ultimate
1.000
10,000
1.000
16,000
1.000
23,000
1.100
30,800
1.210
38,720
118,520
2. List two things that make the selection of a tail factor difficult.
2. Solution:
i) Limited data
ii) leveraging effect
3. What is the estimate of unpaid claims as of 12/31/2009 for accident years 2005 to 2009, using the
Bornhuetter-Ferguson technique and the following information?
Accident
Year
2005
2006
2007
2008
2009
Expected
Ult Claim Claims Paid to
Earned Premium
Ratio
Date
1,000,000
650,000
0.65
1,000,000
650,000
0.65
1,000,000
500,000
0.70
1,000,000
500,000
0.70
1,000,000
500,000
0.80
Accident Year Ultimate Paid Development Factors
2009 to Ultimate
2.000
2008 to Ultimate
1.600
2007 to Ultimate
1.250
2006 to Ultimate
1.105
2005 to Ultimate
1.000
3. Solution
Since loss development factors are for paid losses we can calculate unpaid losses directly:
Expected
Accident
Ult Claim
Year
Earned Premium
Ratio
% Unpaid
Unpaid
1,000,000
0.0%
2005
0.65
1,000,000
9.5%
61,765
2006
0.65
1,000,000
20.0%
140,000
2007
0.70
1,000,000
37.5%
262,500
2008
0.70
1,000,000
50.0%
400,000
2009
0.80
Total
5,000,000
864,265
4. You are given the following information as at December 31, 2009:
Accident
Year
2006
2007
2008
2009
Earned
Premium
Incurred
Loss
15,000
16,000
17,000
18,000
4,500
4,800
3,200
2,500
Incurred
LDF to
Ultimate
1.500
1.750
2.000
4.500
The expected loss ratio for all accident years is 65%.
The company has no exposure prior to 2006.
a) Use the Bornhuetter-Ferguson method to calculate the IBNR for AY 2009 at December 31, 2009.
b) Use the Cape Cod technique to calculate the IBNR for AY 2009 at December 31, 2009.
c) Which method would you choose and why?
4. Solution a)
Accident
Year
2006
2007
2008
2009
Earned
Premium
Incurred
Loss
Incurred
LDF to
Ultimate
15,000
16,000
17,000
18,000
4,500
4,800
3,200
2,500
1.500
1.750
2.000
4.500
Earned
Premium
Incurred
Loss
Incurred
LDF to
Ultimate
15,000
16,000
17,000
18,000
4,500
4,800
3,200
2,500
1.500
1.750
2.000
4.500
Expected
% Unreported Loss Ratio B-F Method
33.3%
65%
3,250
42.9%
65%
4,457
50.0%
65%
5,525
77.8%
65%
9,100
Solution b)
Accident
Year
2006
2007
2008
2009
Total
66,000
15,000
% Unreported
33.3%
42.9%
50.0%
77.8%
%
Reported
66.7%
57.1%
50.0%
22.2%
Used Up
Premium
10,000
9,143
8,500
4,000
31,643
Cape Cod
LR
45.0%
52.5%
37.6%
62.5%
47.4%
Solution c)
Depends on how much information you have about the expected loss ratio of 65%. The Cape Cod uses
actual experience to select the loss ratio so is more appropriate in some situations.
Cape Cod
IBNR
2,370
3,251
4,029
6,637
16,287
5. You are given the following information for a line of business:
Disposal Rates
Report
Year
0-12
2006
0.50
2007
0.45
2008
0.55
2009
0.55
Report
Year
2006
2007
2008
2009
Paid Severities
12-24
0.25
0.15
0.20
# of Reported
Claims
120
140
160
200
24-36
0.15
0.24
Interval
0-12
12-24
24-36
37-Ult
37-Ult
0.10
0-12
800
840
900
950
12-24
24-36
1,200
1,300
1,500
37-Ult
1,600
1,800
2,000
Annual
Paid
Severity
Trend
5%
10%
12%
15%
Use the Adler-Kline technique to estimate ultimate claims for all report years.
5. Solution
Select disposal Ratios.
Report
Year
0-12
2006
0.50
2007
0.45
2008
0.55
2009
0.55
Select
0.50
Calculate future claim closings
12-24
0.25
0.15
0.20
0.20
Calculated Trended Paid Severities
Report
Year
0-12
12-24
926
1,597
2006
926
1,573
2007
945
1,650
2008
950
2009
Select
937
1,607
Report
Year
2006
2007
2008
2009
Total
Ultimate RY
Losses
136,800
191,300
222,413
298,198
848,712
24-36
0.15
0.24
0.20
37-Ult
0.10
Report Year
2006
2007
2008
2009
0-12
12-24
60
63
88
110
24-36
30
21
32
37-Ult
18
34
27
36
36
Ultimate
120
22
140
13
160
18
200
12
0.10
Actual Paid Severities
24-36
37-Ult
2,248
2,258
3,042
2,253
3,042
Report Year
2006
2007
2008
2009
Select
0-12
12-24
24-36
37-Ult
800
840
900
950
1,200
1,300
1,500
1,607
1,600
1,800
2,253
2,253
2,000
2,300
2,645
3,042
937
1,607
2,253
3,042
6. For each of the techniques listed below, explain how and why each would react to data with claim
ratio deterioration and case outstanding strengthening:
a) Incurred loss development technique
b) Incurred Bornhuetter-Ferguson technique
c) Expected loss ratio technique
d) Paid development technique
6. Solution
a) IBNR would be overstated. The incurred development technique reacts appropriately to
loss ratio deterioration, but will overstate when there is case strengthening.
b) The B-F method understates when there is loss ratio deterioration and overstates when
there is case reserve strengthening.
c) The expected loss technique will appropriately reflect case reserve strengthening, but
doesn't reflect loss ratio deterioration so will understate unless you adjust the LR.
d) Paid development is independent of case reserves so is unaffected by strengthening.
It also reflects loss ratio deterioration appropriately.
7. You are given the following information:
AY
2007
2008
2009
AY
2007
2008
2009
Cumulative Paid Losses
12
24
29,040
38,100
32,000
41,900
70,400
36
65,800
Cumulative Closed Counts
12
24
40
50
40
50
80
AY
2007
2008
2009
36
70
Ultimate
90
130
140
AY
2007
2008
2009
Cumulative Incurred Losses
12
24
36
40,740
62,700
50,880
30
60
40
a) Using the Berquist-Sherman reserve adequacy method develop an adjusted case outstanding
triangle. Assume the actual loss trend is 5% and start with the latest diagonal.
b) Using the Berquist-Sherman closure rate method develop an adjusted paid loss triangle.
Select disposal ratios from the latest diagonal and use linear interpolation to calculate the
paid losses.
c) Using your answers to a) and b), derive an adjusted cumulative incurred loss triangle.
d) an Use incurred development method to calculate the adjusted IBNR for AY 2009. Assume
a geometric average for selection of the 12-24 month development factor.
a)
Calculate case outstanding triangle.
AY
12
24
11,700
20,000
2007
24,600
26,250
2008
18,880
2009
Calculate average case o/s triangle
AY
12
24
390
500
2007
410
525
2008
472
2009
Trend average case backwards at 5%
AY
12
24
428.12
500.00
2007
449.52
525.00
2008
472.00
2009
Calculate adjusted case triangle
AY
12
24
12,844
20,000
2007
26,971
26,250
2008
18,880
2009
36
17,100
36
855
36
855.00
36
17,100
b)
Calculate disposal ratios and select latest diagonal
AY
12
24
36
44.44%
55.56%
77.78%
2007
38.46%
61.54%
2008
28.57%
2009
Select
28.57%
61.54%
77.78%
Calculate adjusted paid losses by interpolation of factors
AY
12
24
36
18,669
48,335
65,800
2007
28,303
70,400
2008
32,000
2009
c)
Sum the adjusted case and adjusted paid triangles.
AY
12
24
36
31,512
68,335
82,900
2007
55,274
96,650
2008
50,880
2009
d)
Calculate development factors and use geometric average to select
36-Ult
AY
12-24
24-36
2.169
1.213
2007
1.749
2008
Select
1.947
1.213
1.05
2.480
Cumulative
1.274
1.05
IBNR = (2.137-1)(50,880)
75,323.44
82,900
Open Claim Counts
12
24
The selected incurred development factor from 36 months to ultimate is 1.05.
7. Solution
61,900
96,650
40
50
36
20
8. You are given the following information:
Calendar
Year
2007
2008
2009
Paid ULAE
175,000
100,000
100,000
# Open
Claims at
Year End
105
100
110
Claims
Opened
During
Year
10
20
75
ULAE is incured throughout the life of the claim
The cost of claim file maintenance is twice as great in the first year as in subsequent years.
Assume no inflation
There is no need to adjust for claims closed during the year.
Using the Wendy Johnson technique, what is the expense per open claim for calendar year 2009?
8. Solution
Determine weighted number of open claims.
=110+75 = 185
Expense per open claim is
=100,000/185
540.54
9. You are given the following data for a line of business:
Cumulative Incurred Losses
Earned
AY Premium
12
24
36
2006
1200
300
600
750
2007
1400
400
800
1000
2008
1500
500
1000
2009
2000
600
48
825
You have been informed that the company's actuary has correctly applied the Bornhuetter-Ferguson
technique and estimated unpaid claims at $1,300. Assuming that claims are completely developed
at 48 months, calculate the expected claim ratio underlying the estimate. Assume that all years
have the same ratio. Show all work.
9. Solution
Calculate LDFs and make selections:
AY
12
24
2006
2.00
1.25
2007
2.00
1.25
2008
2.00
Select
2.00
1.25
Cumulative
2.75
1.375
36
1.10
1.10
1.1
Use B-F formula to calculate the ratio
Expected Unreported = Loss Ratio((1-1/1.1)(1400)+(1-1/1.375)(1500)+(1-1/2.75)(2000))
1300=Loss Ratio(1809.09)
Loss Ratio = 71.9%
10. You are given the following information about an insurance company's liabilities:
Cumulative Paid Losses
Accident Year
2006
2007
2008
2009
2010
12
24
6,338
6,075
7,290
8,201
7,715
36
8,809
9,113
7,594
10,024
-
48
9,094
9,799
8,123
-
60
9,300
9,900
9,300
Ultimate
0
0
0
0
0
0
0
9,300
9,900
8,646
11,078
10,706
The market rate of return on the assets supporting the liabilities is 5%.
The company uses an asset-liability matching strategy to perfectly hedge interest
rate movements.
The long-term credit spread on the assets is 25 basis points.
The claims development PFAD is 10% for all years.
There is no reinsurance assumed or ceded.
a) Calculate the interest rate PFAD based on the explicit quantification approach.
b) Assuming an interest rate PFAD of 100 basis points and simple averaging for selection of
a payment pattern, what is the Actuarial Present Value (discounted value) of the
outstanding claim liabilities?
10. Solution
a)
Sum of the credit spread, timing risk and mismatch risk
=25bp + .1(5%) + 0
0.75
=75 basis points
b)
Calculate payment pattern
Accident Year
2006
2007
2008
2009
2010
Select
Incremental
Cumulative
0-12
36-48
48-60
68.1%
61.4%
84.3%
74.0%
72.1%
12-24
94.7%
92.0%
87.8%
90.5%
24-36
97.8%
99.0%
93.9%
100.0%
100.0%
100.0%
72.0%
72.0%
100.0%
91.3%
19.3%
28.0%
96.9%
5.6%
8.7%
100.0%
3.1%
3.1%
100.0%
0.0%
0.0%
2013
Ultimate
2014
9,300
9,900
8,646
11,078
10,706
Calculate discount factors
Accident Year
2006
2007
2008
2009
2010
2010
2011
0.0%
0.0%
100.0%
64.5%
68.8%
Discounted @ 5%
Accident Year
2006
2007
2008
2009
2010
2012
0.0%
0.0%
0.0%
35.5%
20.1%
0.0%
0.0%
0.0%
0.0%
11.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
5%
0.5
1.5
2.5
3.5
4.5
0.0%
0.0%
97.6%
63.0%
67.2%
0.0%
0.0%
0.0%
33.0%
18.7%
0.0%
0.0%
0.0%
0.0%
9.8%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Int PFAD
2
8
25
35
Claim
PFAD %
10%
10%
10%
10%
10%
Accident Year Outstanding Disc @ 5%
2007
523
511
2008
1,054
1,011
2009
2,991
2,861
2010
Total
4,568
4,382
Disc @
4.0%
513
1,019
2,886
4,418
Discounted @ PFAD rate = 4%
Accident
Year
Total
0.5
0.0%
0.0%
2005
0.0%
0.0%
2006
97.6%
98.1%
2007
95.9%
63.3%
2008
95.7%
67.5%
2009
Claim
PFAD
51
101
286
438
Total PFAD
-
54
109
311
474
APV
-
564
1,120
3,172
4,856
4%
1.5
2.5
3.5
4.5
0.0%
0.0%
0.0%
33.5%
19.0%
0.0%
0.0%
0.0%
0.0%
10.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Total
0.0%
0.0%
98.1%
96.7%
96.5%
11. You are given the earned premiums and incurred losses for a small book of business as follows:
Cumulative Incurred Losses ($000s)
Age of Development
Earned
Premium
8,100
8,450
8,800
9,150
9,500
9,850
AY
2005
2006
2007
2008
2009
2010
12
100
1750
600
350
1230
300
24
420
2000
2700
830
1750
36
1320
1900
2700
4300
48
3400
4500
2850
60
7100
9500
You believe that the changes in the book of business are accurately reflected in the earned premiums.
Using the least-squares development method, estimate the ultimate losses for accident year 2009.
Assume a 60-to-ultimate loss development factor of 1.100 for all accident years. Show all work.
11. Solution (note: the ideal solution would use loss ratios instead of loss dollars, but the derivation is the same.
7,810
AY 2005 Ultimate = 7100 x 1.1
10,450
AY 2006 Ultimate = 9500 x 1.1
6,490
AY 2007 Ultimate = as below
5,457
AY 2008 Ultimate = as below
AY 2009 Ultimate = as below
AY 2010 Ultimate = as below
7,655
4,763
Start with AY 2007:
Use data from AY 2005 and 2006
Average Y:
9130
36,789,500
Average XY:
b:
2.4
AY 2007 Ultimate:
1973.3333
4214133
10618.986
Average X:
Average X^2:
a:
1487.5
3038825
6966.6863
Average X:
Average X^2:
a:
1540
3804450
4083.9363
7,655
AY 2010:
Use data from AY 2005 - 2009
Average Y:
7,572
14,907,134
Average XY:
b:
2.2652083087
AY 2010 Ultimate:
Average X:
Average X^2:
a:
5,457
AY 2009:
Use data from AY 2005 - 2008
Average Y:
7,552
11,558,094
Average XY:
b:
0.3932927381
AY 2009 Ultimate:
3950
15905000
-350
6,490
AY 2008:
Use data from AY 2005 - 2007
Average Y:
8250
15,895,733
Average XY:
b:
-1.2004998611
AY 2008 Ultimate:
Average X:
Average X^2:
a:
4,763
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Tutorial 1ACTSC 232, Fall, 20111. You are given the following probability distribution function (cdf) for T0 , the futurelifetime of a newborn (0):0,0.005t,F0 (t) = 0.3 + 0.0175(t 60),1,t<00 t < 6060 t < 100t 100.(a) Verify that S0 (t) 1 F0 (
Waterloo - ACTSC - 232
SYLLABUSFall 2011ACTSC 232-001 Introduction to Actuarial MathematicsInstructor:Lectures:Tutorials:Oce hours:Pre-requisites:Dr. Chengguo Weng, M3 3136, ext.31132, c2weng@uwaterloo.ca12:30-01:20pm MWF, PHY 14505:30-06:20pm Monday, MC 20661:30-2:30
Waterloo - ACTSC - 232
Chapter 1. Introduction to life insuranceACTSC 232 Introduction to Actuarial MathematicsDepartment of Statistics and Actuarial ScienceUniversity of WaterlooFall 2011Instructor: Chengguo WengC. Weng (c2weng@uwaterloo.ca) p. 1/9Life insuranceA cont
Waterloo - ACTSC - 232
Chapter 2. Survival modelsACTSC 232 Introduction to Actuarial MathematicsDepartment of Statistics and Actuarial ScienceUniversity of WaterlooFall 2011Instructor: Chengguo WengC. Weng (c2weng@uwaterloo.ca) p. 1/42Review on Prob. & StatRandom varia
Waterloo - ACTSC - 232
Tutorial 3ACTSC 232, Fall, 2011The rst two questions use this select table of mortalityl[x][ x][40] 100000[41] 99802[42] 99597[43] 99365[44] 99120l[x]+1 l[x]+2 l[x]+399899 99724 9952099689 99502 9928399471 99268 9903099225 99007 9874798964 9
Waterloo - ACTSC - 371
ActSc 371 F2011 - Assignment TwoInstructor: Dr. Lysa PorthPossible MarksPart 1: MultipleChoice (MC)33Student ScoreID Number: _Last Name:_First Name:_This assignment is due on November 2, 2011, at the beginning of class (i.e. 2:30 pm in MC2066).
Waterloo - ACTSC - 371
ActSc 371 Lecture 4 HandoutInstructor: Dr. Lysa PorthHANDOUT: Useful Financial Ratios (Ross et al. 2011)SHORTTERM SOLVENCY RATIOSCurrent ratio = Current assets Current liabilitiesQuick ratio = (Current assets Inventory) Current liabilitiesACTIVITY R
Waterloo - ACTSC - 371
9/11/2011ActSc 371 Corporate Finance 1Introduction to Corporate FinanceInstructor: Dr. Lysa PorthAir Canada Case StudyIntroductionLecture 1Sections 1.1 and 1.2 from Chapter 1: Introduction toCorporate Finance(Corporate Finance by Ross et al.)AC
Waterloo - ACTSC - 371
9/13/2011ActSc 371 Corporate Finance 1Introduction to Corporate FinanceInstructor: Dr. Lysa Porth1.3 The Corporate Firm1.4 Goals of the Corporate Firm1.5 Financial Institutions, Financial Markets, and the Corporation1.6 Trends in Financial Markets
Waterloo - ACTSC - 371
ActSc 371 Corporate Finance 1Instructor: Dr. Lysa PorthLecture 2Practice Questions11. Firms issue securities or financial instruments (orclaims) to raise capital. These claims are classifiedas:A) stocks or bondsIntroductionB) debt or equityC) c
Waterloo - ACTSC - 371
9/15/2011ActSc 371 Corporate Finance 1Introduction to Corporate FinanceInstructor: Dr. Lysa Porth2.1 The Balance Sheet2.2 Statement of Comprehensive Income2.3 Net Working CapitalLecture 3IntroductionSections 2.1-2.3 from Chapter 2: Introduction t
Waterloo - ACTSC - 371
ActSc 371 Corporate Finance 1Instructor: Dr. Lysa PorthLecture 5Sections 3.1- and 3.2 from Chapter 3: Introduction toCorporate Finance (Corporate Finance by Ross et al.)1Introduction to Corporate Finance3.1 What is Financial Planning?3.2 A Financi
Waterloo - ACTSC - 371
ActSc 371 Corporate Finance 1Instructor: Dr. Lysa PorthLecture 16Sections 6.A: The Term Structure of Interest Rates(Corporate Finance by Ross et al.)1Spot Rates and Yield to MaturityIn chapter 6 we assumed interest was constant over allfuture peri
Waterloo - ACTSC - 371
ActSc 371 Corporate Finance 1Instructor: Dr. Lysa PorthLecture 22Sections 23.1 23.4:Options and Corporate Finance Basic ConceptsRules(Corporate Finance by Ross et al.)123.1 OptionsOptions are special contractual arrangements giving theowner the r
Waterloo - ACTSC - 371
ActSc 371 Corporate Finance 1Instructor: Dr. Lysa PorthLecture 23Sections 23.7 23.8:Options and Corporate Finance Basic ConceptsRules(Corporate Finance by Ross et al.)123.7 Valuing OptionsThe last sectionconcerned itselfwith the value ofan opti
Waterloo - ACTSC - 371
9/19/2011ActSc 371 Corporate Finance 1Introduction to Corporate FinanceInstructor: Dr. Lysa Porth3.1 What is Financial Planning?3.2 A Financial Planning Model: The IngredientsIntroductionLecture 5Sections 3.1- and 3.2 from Chapter 3: Introduction
UPenn - PSYC - 001
UNIT 2 startCh 6: LearningA relatively permanent change in an organisms behavior as a result of experienceHabituation process by which we respond less strongly over time to repeated stimuliLearning & Behaviorismoriginal behaviorists focused solely o
UPenn - PSYC - 001
Ch 6 (cntd)Operant Condg (cntd)SCHEDULES OF REINFORCEMENTPartial reinforcement behaviors reinforced only occasionallyo at different times, or different occurrences of behavior, asopposed to continuous: reinforcing every occurrence of behavior parti
UPenn - PSYC - 001
Ch 5 cntdRETRIEVAL cntdBiased RecallConsistency, Change, EgocentrismPositivity bias Were the good ole days always so good?Misattribution Remembering info but not its sourceo E.g, recog someone but not remember from where; havea memory but unsure
UPenn - PSYC - 001
start Ch 7 IntelligenceHypothetical mental ability to direct your thinking, learn fromexperience & adapt to your environmentINT AS A SOCIAL CONSTRUCTIONNot an objective quality that exists independent of culture.Each culture decides what abilities ar
UPenn - PSYC - 001
Ch 7 Intelligence (cntd)More on ReliabilityIQ tests quite reliable reliability coefficients in the .90sIQ is mostly stable* across age and across retestingMore on ValidityAre IQ tests valid? Depends on what for, but the answer is a qualified "yes"
UPenn - PSYC - 001
UNIT 2Ch 7 & Ch 15 (see Reading Agenda)Critical Thinking & ReasoningAs a follow-up to our discussion of IQ and g ,well discuss severalhabits of thinking that can improve or compromise our everydayjudgments. This info (along with all youll learn about
UPenn - PSYC - 001
Ch 10: DevelopmentGeneral Age RangesDevelopmental Psychology: The study of agerelated changes throughout the life span What do developmental psychologists study? What are the general methodologies? What Influences Development? What is the Nature of
UPenn - PSYC - 001
Ch 10 cntd PsychologyTheory of MindAbility to understand that ones self and other people havemental states (e.g. thoughts, beliefs, wishes), about the world,which may differ from reality or from others. To realize "others may not know what I know."T
UPenn - PSYC - 001
Psychosocial Development (cntd)CHANGES IN ADOLESCENCEBodily changes Puberty Awkwardness of growing into your body SleepBrain changes Second major pruning of unused synaptic connections Frontal lobe still developingPotential family conflicts dise
UPenn - PSYC - 001
Ch 9 Emotion & MotivationEmotionEmotionsFeeling states that include several components:Physiological Internal physical changes related to arousalRapid heart beat, butterflies in stomachExpressive/Behavioral Outward manifestations/behaviors of an e
UPenn - PSYC - 001
CH 11: PERSONALITYWho are You? Howd You Get That Way?Psychoanalytic Childhood experiences and unconscious motivationsTrait Your specific qualities /characteristics we can measureBehavioral (radical) Environment (punishers/reinforcers) & your learning
UPenn - PSYC - 001
PSYC 001 Sec 2 Exam 4 (Final Exam) Study SheetWednesday May 5 9:00-11:00am MeyH B1 (our regular room)Bring a #2 pencil with an eraser. Avoid sitting in the last four rows; sit as close to the front as possible. You must alsobring your Student ID. At th
UPenn - PSYC - 001
UNIT 4Ch 12 Psychological DisordersAlthough the origins/causes of disorders are briefly addressed in thetext (and covered in more detail in other psych courses), we wontfocus on causes in Psych 001. Our focus will be mainly restricted todescribing th
UPenn - PSYC - 001
Ch 13: TX of DisordersLectures will be mainly on the psychotherapies. Focus on lecturecontent first to know how Im organizing each TX, then readabout each in the text. I wont be lecturing much on biomedicaltreatmentsthere wont be much to know from tha
UPenn - PSYC - 001
Ch 15: Social PsychologyThe study of how people think, feel, & behave in social situations.Social InfluenceCONFORMITYAdjusting attitudes or behaviors b/c of actual/perceived pressure.Two general reasons:informational influence conform to others b/c
UPenn - PSYC - 001
Factors of influence in Altruism Clarity of the need for help Mood & traits of the helper Environment Presence of others Bystander effect & diffusion of responsibilityAbsence of Help: The Bystander Effect Kitty Genovese incident 38* witnesses repo
UPenn - PSYC - 001
Interpersonal AttractionPHYSICAL ATTRACTIVENESSSize, shape, facial features, etc. What is beautiful is good biaso An example of the halo effecto Tendency for one good trait in a person topositively bias our ratings of the person's other traito E.g
GWU - CSC - 6232
ConcurrencyState Models and Java ProgramsJeff MageeConcurrency: introductionandJeff Kramer1Magee/Kramer 2nd EditionWhat is a Concurrent Program?A sequential program has asingle thread of control.A concurrent program hasmultiple threads of cont
GWU - CSC - 6232
Chapter 2Processes & ThreadsConcurrency: processes & threads1Magee/Kramer 2nd Editionconcurrent processesWe structure complex systems assets of simpler activities, eachrepresented as a sequential process.Processes can overlap or beconcurrent, so
GWU - CSC - 6232
Chapter 3Concurrent ExecutionConcurrency: concurrent execution1Magee/Kramer 2nd EditionConcurrent executionConcepts: processes - concurrent executionand interleaving.process interaction.Models: parallel composition of asynchronous processes- int
GWU - CSC - 6232
Chapter 4Shared Objects &Mutual ExclusionConcurrency: shared objects & mutual exclusion1Magee/Kramer 2nd EditionShared Objects & Mutual ExclusionConcepts: process interference.mutual exclusion.Models: model checking for interferencemodeling mutu
GWU - CSC - 6232
Chapter 5Monitors &Condition SynchronizationConcurrency: monitors & condition synchronization1Magee/Kramer 2nd Editionmonitors & condition synchronizationConcepts: monitors:encapsulated data + access proceduresmutual exclusion + condition synchro
GWU - CSC - 6232
Chapter 6DeadlockConcurrency: Deadlock1Magee/Kramer 2nd EditionDeadlockConcepts:system deadlock: no further progressfour necessary & sufficient conditionsModels:deadlock - no eligible actionsPractice:blocked threadsAim: deadlock avoidance - t
GWU - CSC - 6232
Chapter 7Safety & LivenessPropertiesConcurrency: safety & liveness properties1Magee/Kramer 2nd Editionsafety & liveness propertiesConcepts:properties: true for every possible executionsafety: nothing bad happensliveness: something good eventuall
GWU - CSC - 6232
Chapter 8Model-Based DesignConcurrency: model-based design1Magee/Kramer 2nd EditionDesignConcepts: design process:requirements to models to implementationsModels: check properties of interest:- safety on the appropriate (sub)system- progress on
GWU - CSC - 6232
Chapter 9Dynamic SystemsConcurrency: dynamic systems1Magee/Kramer 2nd EditionDynamic SystemsConcepts: dynamic creation and deletion of processesResource allocation example varyingnumber of users and resources.master-slave interactionModels:stat
GWU - CSC - 6232
Chapter 10Message PassingConcurrency: message passing1Magee/Kramer 2nd EditionMessage PassingConcepts: synchronous message passing - channelasynchronous message passing - port- send and receive / selective receiverendezvous bidirectional comms -
GWU - CSCI - 6907
CSci 6907: Data Managementand Exploration on the WebNan ZhangCourse InformationMeeting time: Mondays 06:10-08:40PM Meeting location: Philips Hall, Room 108Office Hours: Mondays 12:00-2:00pm Office: Academic Center 715 Phone: (202) 994-5919 Email:
GWU - CSCI - 6907
Preliminaries:Information RetrievalIntroductionText mining refers to data mining using text documents asdata. Most text mining tasks use Information Retrieval (IR)methods to pre-process text documents. These methods are quite different from traditi
GWU - CSCI - 6907
Information IntegrationAdapted from slides for Liu, Web Data Mining: Exploring Hyperlinks, Contents, and Usage Data, 2nd ed., Springer, 2009.Introduction Atthe end of last topic, we identified the problem ofintegrating extracted data:o column match
GWU - CSCI - 6907
WEB CRAWLINGOutline Motivation and taxonomy of crawlers Basic crawlers and implementation issues Universal crawlers Preferential (focused and topical) crawlers Crawler ethics and conflictsQ: How does asearch engineknow that allthese pagescontai
GWU - CSCI - 6907
DATA EXPLORATION AND PRIVACYPRESERVATION OVER HIDDEN WEBDATABASESNan Zhang, The George Washington University1*Collaborative work with Xin Jin of George Washington University,Arjun Dasgupta, Bradley Jewell, Anirban Maiti, and Dr. Gautam Dasof Univer
GWU - CSCI - 6232
Concurrency, 3C03, 2002Answer Question 1 and two further questions.Marks for each part of each question are indicated in square brackets1.rsCalculators are NOT permitteda. Show an equivalent labelled transition system for each of the following FSP p