Property insurance,quality and reservation premium: A note

The aim of this note is to investigate the effects of the introduction of a ‘quality’ variable in a model of non-life insurance demand. The framework, based on the model of Mossin (1968) with deductible, analyses the variations of the reservation premium when the quality is of the additive or the multiplicative type and the deductible is absolute or proportional.     

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Ohne Zusammenfassung     

Diffusion of HDO in pure and acid-doped ice films

In these experiments, a few bilayers of D(2)O were vapor-deposited on a pure crystalline H(2)O ice film or an ice film doped with a small amount of HCl. Upon deposition, H/D isotopic exchange quickly converted the D(2)O layer into an HDO-rich mixture layer. Infrared absorption spectroscopy followed the changes of the HDO from the initial HDO mixture layer to HDO isolated in the H(2)O ice film. This was possible because isolated HDO in H(2)O ice has a unique, sharp peak in the O-D stretch region that can be distinguished from the broad peak due to the initial HDO mixture layer. The absorbance of isolated HDO displayed first-order kinetics and was attributed to diffusion of HDO from the HDO-rich mixture layer into the underlying H(2)O ice film. While negligible diffusion was observed for pure ice films and for ice films with HCl concentrations up to 1 x 10(-4) mole fraction, diffusion of HDO occurred for higher concentrations of (2-20) x 10(-4) mole fraction HCl with a concentration-independent rate constant. The diffusion under these conditions followed Arrhenius behavior for T = 135-145 K yielding E(a) = 25 +/- 5 kJ/mol. The mechanism for the HDO diffusion involves either (i) molecular self-diffusion or (ii) long-range H/D diffusion by a series of multiple proton hop and orientational turn steps. While these spectroscopic results compare favorably with recent studies of molecular self-diffusion in low-temperature ice films, the diffusion results from all the ice film studies at low temperatures (ca. T < 170 K) differ from earlier bulk ice studies at higher temperatures (ca. T > 220 K). A comparison and discussion of the various diffusion studies are included in this report.     

Bulk flow in ferrofluids in a uniform rotating magnetic field

Direct measurements of the bulk flow of a ferrofluid in a uniform rotating magnetic field were obtained using the ultrasonic velocity profile method. The fluid was observed to corotate with the field in a rigid-body-like fashion throughout the bulk of the container, except near the air-fluid interface, where it was observed to counterrotate. The results were found in qualitative agreement with the spin diffusion theory of Zaitsev and Shliomis [J. Appl. Mech. Tech. Phys. 10, 696 (1969)]10.1007/BF00907424.