Self-Driving Cars and Insurance

One thing I find interesting about risk management and insurance is that there are new risks popping up all the time. 3D printing, nanotechnology, cyber risks, legalized marijuana, pandemics, etc. to name a few. If you want to do the same thing for the next 30 years, don't go into risk management!

According to the Insurance Institute for Highway Safety, it is anticipated that there will be 3.5 million self-driving vehicles on U.S. roads by 2025, and 4.5 million by 2030. However, the institute cautioned that these vehicles would not be fully autonomous, but would operate autonomously under certain conditions.

Safety is an obvious key benefit of self-driving cars. With lasers and radar for eyes, the computer can monitor the surrounding environment and react much quicker than a human ever could. Not to mention a computer doesn’t fall victim to fatigue, texting, or get caught up chatting with passengers the way human drivers can. Self-driving cars could reduce accidents and congestion by driving smarter and safer.

If vehicles do end up safer, some companies are predicting it could reduce auto premiums- but there are several other factors to consider first. Auto insurance companies will have to re-evaluate how to write auto insurance policies and how to discover how to find fault in an accident. Regulations will have to evolve to account for electronics, rather than management.

Let's jump ahead 10 years or so. After performing your due diligence, you purchase a self-operating car designed and built by a leading automobile manufacturer. Due to a major technical glitch in the robot's operating system, a horrific accident ensues. Who is the culpable party? Could you face some liability in not properly performing your due diligence or failing to perform the requisite maintenance on the vehicle? Conversely, some experts would argue that in a fully autonomous auto, the robot itself is liable. Could a robot with full autonomy be held civilly liable for its actions? Or the firm that manufactures it? So, what do you think? Who should bear the legal liability of negligence in auto accidents pertaining to semi-autonomous or autonomous autos? How would our laws have to be altered? What are some other factors that might play into assigning this responsibility?

As an investment advisor, you have been approached by a client called Kiprono, who wants some help in investment-related matters. Kiprono is currently 45 years old and has Ksh. 600,000 in the bank. He plans to work for 15 more years and retire at the age of 60. Kiprono’s present salary is Ksh. 400,000 per year. He expects his salary to increase at the rate of 12 percent per year until his retirement. Kiprono has decided to invest his bank balance and future savings in a portfolio in which stocks and bonds would equally be weighted. For the sake of simplicity, assume that these proportions will be maintained by him throughout. He also believes that bonds would provide a return of 7 percent and stocks a return of 13 percent. You concur with his assessment. Once he retires at the age of 60 he would like to withdraw Ksh. 500,000 per year from his investment for the following 15 years as he expects to live up to the age of 75 years. He also wants to bequeath Ksh. 1 million to his children at the end of his life.

Required

i. How much money would he need 15 years from now? ii. How much should Kiprono save each year for the next 15 years to be able to meet his investment objectives as shown above? Assume that the savings will occur at the end of each year.

iii. Suppose Kiprono wants to donate Ksh. 200,000 per year in the last three years of his life to a charitable cause. Each donation would be made at the beginning of the year. How much money would he need when he reaches the age of 60 to meet his specific need?

iv. Kiprono recently attended a seminar on human capital where the speaker talked about a person's human capital as the present value of his lifetime earnings. Kiprono is curious to find out the present value of his lifetime salary. For the sake of simplicity assume that his present salary of Ksh. 400,000 will be paid exactly one year from now, and his salary will be paid in installments. what is the present value of his lifetime salary, if the discount rate is 8 percent? Remember that he expects his salary to increase at the rate of 12 percent per year until his retirement. (Ignore the taxation)

CASE-1

Nurse Lucy works in the internal medicine service. Her patient Mary is staying in a quadruple room. While Mary was sitting in her room, her son Dylan came to visit. Dylan asked the ward nurse the day before for his mother to move into a quiet room. And he is angry when he sees that the situation has not changed, although the room was promised to be changed. With this anger, Dylan goes to the hallway and started to talk loudly, shouting for everyone to hear. He then quickly closes the door and returns to his mother's room.

Dylan is an only child. After discharge, he has to take care of his mother alone, and he has many difficulties in this regard.

a) In this case, what could be the reason for Dylan’s anger?

b) In this case, what would you do if you were nurse Lucy?

CASE-2

Dilek works in the surgery service as a nurse. She enters Mrs. Ayşe’s room, who will be operated on the next day. She sees that the patient is thoughtful:

Nurse: Mrs. Ayşe, I see you thoughtful. What do you think?

Ayşe: I'm going to have operation tomorrow, I'm thinking about it. I'm a little worried ...

Nurse: Nothing to worry about, it's a small operation. Many patients undergo this operation every day.

Ayşe: I'm afraid of anesthesia ..

Nurse: There is nothing to afraid of; you will sleep and wake up… Come on now rest. (says and leaves the room).

a) Assess the attitude of the nurse in the case given above? What are her right or wrong behaviors and why?

b) What could the patient feel during this communication?

c) What would you do if you were a nurse in such a situation? Write with your own sentences.

CASE-3

You are alone at home in the evening and study for your exam tomorrow. At that time, a friend of yours called you to chat. You want to hang up the phone, but your friend continues talking.

For this situation, write examples of passive, aggressive and assertive behaviors?

Passive behavior:

Aggressive behavior:

Assertive behavior:

QUESTION

Define the concept of empathy in communication. Write down the importance of empathy in nursing with your own words.

QUESTION

How does Joyce Travelbee define the concept of sympathy in the Human to Human Relationship Model? What are your opinions about this? Please write with your own sentences.

The Wentworth Corporation is a mid-sized manufacturing company located in the metropolitan area of Atlanta, Georgia. In business for ten (10) years, it has become one of the area’s largest producers of Widgets. James Henderson and three (3) associates founded the company, which has slowly grown to employ 500 employees, primarily production workers, in its three (3) existing facilities. Henderson is the President and CEO of the corporation, and Mike Johnson is the newly appointed Manager of Human Resources. Wentworth has not employed a full-time HR manager in the past. Henderson is currently in the final stages of securing a major new account. If awarded to Wentworth, it would be a major accomplishment for the firm. However, the additional business would require setting up a new production facility in the state of Wisconsin and hiring 275 additional employees. Mike Johnson has had little experience in creating large staffing initiatives, and both he and Henderson are unsure how to proceed. Henderson and Johnson turn to HR Strategies, Inc., a consulting firm specializing in the functional areas of human resources. As a senior-level consultant in the staffing and recruitment division, you have been asked to head up the team designed to assist Wentworth in the development of a staffing initiative for the new facility. Your Stand-Alone Project responses should be both grammatically and mechanically correct and formatted in the same fashion as the project itself. In addition, you must appropriately cite all resources used in your response and document them in a bibliography using APA style.

Part E: Selection Plan (40 points) As we enter the final stages of this project, we have the results of our recruitment efforts and must now help Wentworth make the final hiring decisions for the new facility. The selection process involves the use of various assessment methods to evaluate the quality of our applicant pool. Consider and respond to the following questions. a. Discuss a selection plan for making the final hiring decisions to include the progression of an applicant to a candidate, to finalist, to job offer? b. Discuss initial applicant data collection (biodata inventories), reference checks, the initial interview, and testing for Wentworth. c. Discuss three (3) methods of final choice to be used in making the final hiring decisions and indicate the method you would use and why. Discuss who the decision makers should be within the Wentworth organization.

The costs below all relate to Sounds Good, a company based in Alberta that manufactures high-end audio equipment such as speakers, receivers, CD players, turntables, and home theatre systems. The company owns all of the manufacturing facilities (building and equipment) but rents the space used by the non-manufacturing employees (accounting, marketing, sales, human resources).

Required: For each cost, indicate whether it would most likely be classified as a direct labour, direct material, manufacturing overhead, marketing and selling, or administrative cost.(Select all that apply.)

1. Depreciation, taxes, and insurance on the manufacturing facilities.

2. Rent on the office space used by the non-manufacturing staff.

3. Salaries paid to the employees who produce the audio equipment.

4. Cost of the glue used to fasten the company’s logo to the grill used on all of its speakers.

5. The cost of online advertising.

6. Salaries paid to the accounting employees.

7. Salary paid to the production manager who supervises the manufacturing activities for all products.

8. Cost of the plastic used for turntable dust covers.

9. Bonuses paid to sales staff for meeting their monthly sales goals.

10. Salary paid to the manager of the human resources department.

I need new and unique answers, please. (Use your own words, don't copy and paste), Please Use your keyboard (Don't use handwriting) Thank you..

BIOL 102

Choose any system of the human body and prepare a response to the following questions in 1-2 pages:
1. Introduction (Explain the system with the components)
2. Body (Explain how the system relates to achieve homeostasis in human body)
3. Conclusion (Choose any disease common in Kingdom of Saudi Arabia and explain how and which part of the system is affected)

________

please complete my answer to be 500 words And I need new and unique answers, please. (Use your own words, don't copy and paste)

A:

1.The cardiovascular system also called circumlocutory system or blood vascular system. This system responsible for transporting gases, nutrients, hormones, and cellular waste products throughout the body. The cardiovascular system consists of three interrelated components : blood, heart and blood vessels.

Blood: Blood is a liquid connective tissue composed of blood plasma and formed elements( blood cells). The main function of the blood is transporting gases, nutrients, hormones, etc. Blood have three types of blood cell - RBC, WBC and platelets.

Heart: Heart is a mesodermally derived muscular pumping organ. Heart has four chamber right and left atria, right and left ventricles.

Blood vessels: The cardiovascular system has three types of blood vessels. These are the arteries, which carry blood away from the heart to other organs. The capillaries, which permit the exchange of substance between the blood and body tissues. And the veins, which return blood from the tissues back to the heart.

2. In order to maintain the homeostasis in the cardiovascular system and provided adequate blood to the tissue, blood flow must be redirected continually to the tissue as they become more active. Three homeostatic mechanisms ensure adequate blood flow, blood pressure and distribution are neural, endocrine and autoregulatory mechanism.

3. Coronary artery disease is common health problem in Saudi Arabia. Coronary artery disease is also called coronary heart disease, that causes narrowing of coronary arteries so that blood flow to the heart is reduced. In this disease affects the coronary arteries that supply blood to the heart muscle. It is made up of fat, cholesterol, calcium and other substance found in the blood.   

Several severe accidents have recently occurred in the 12-employee assembly department of Blakely Company, which has a total work force of 65 employees. The supervisor of this department, Joe Benson, is quite perturbed and, in response to questions by the general manager and owner of the company, claimed the employees do not listen to him. He has warned them about not taking safety precautions, he explained, but he can’t police their every move. The general manager countered, “Accidents cost us money for repairs, lost time, medical expenses, human suffering, and what not. It’s important that you stop it. Your department has a bad safety record—the worst in the company. You are going to have to correct it.” Joe believed he had taken the necessary precautions but was not getting satisfactory results.

He also believed there were more possibilities of accidents occurring in his department than in any other department of the company. He decided to talk it over with the human resource manager, Fay Thomas. Fay suggested scheduling a 10-minute safety talk by a different employee each week. The first subject would be “using machine guards.” Joe thought that “good housekeeping and safety” and “no smoking” would also be good subsequent subjects.

Fay suggested that Joe schedule part of his time to review his department periodically. Furthermore, she suggested that any unsafe act he discovered should result in an immediate twoday suspension for the offender. “You have to get tough when it comes to safety. Your people are taking safety much too lightly. Of course, you start by making an announcement of what you are going to do. Put a notice to that effect on the bulletin board. Then enforce it to the letter.”

Joe believed that simply talking personally to each of his employees and urging them to work safely might get better results. However, he was convinced that some type of incentive was needed. As a result, he devised a plan in which the employee with the fewest safety violations over the next three months would be given a day off with pay. Joe’s plan was approved by his boss.

1. What is Joe’s problem? In your opinion, how did this problem develop? What were its main causes? Discuss.   

2. What actions do you recommend Joe take? Why?

subject : occupational safety and health

(12 pts) Imagine that you are part of an international medical team. You are investigating a strange virus that has broken out in the US. You have samples of the virus from January when it was first detected and samples taken from patients in May. The virus uses a specific protein to attach to a receptor on lung cells and infect the people. You notice the that the attachment protein in the January samples has a different amino acid sequence than the attachment protein in the May samples. In the 20th position of the primary structure the January sample has serine. In the May sample serine has been replaced by alanine. Early in the outbreak doctors were giving a medicine to people that seemed to decrease the duration of the disease. The same medicine is not working in May. The medicine blocks the attachment protein so it cannot adhere to the lung cell.

1. (2pts) Propose a logical, hypothesis, supported by the evidence provided that states this virus will mutate if exposed to the medicine. Use a major biological theory to help explain you hypothesis. Is this an example of inductive or deductive reasoning? Explain

2. (4pts) Describe a controlled experiment to test your hypothesis. You must Include the number of subjects, and the type of statistic you would use to compare the groups as well as:

   i. Control and experimental variable.
   ii. Independent and dependent variable

3. If the p value for a t-test between the control and experimental group = 0.03 what would you conclude about the experiment. Explain.

4. (2pts) How could exposure to a medicine create a resistant virus? Use a specific theory to support your ideas and describe a step by step process that could result in a resistant virus.

5. (2pts) Provide a logical, chemistry based explanation, the describes potential changes at the molecular level, for why the substitution of alanine for serine in the viral attachment protein could change the effectiveness of the medicine.

6. (2 pts) Which level/s of protein structure does the substitution of alanine for serine affect? Explain

Please type or submit a PDF document so that I am able to legibly understand the answer. ( This is ome question

2. In the case study below you will explore the causes of B12 deficiency in three patients.

A. Patient A is a college student who has become increasingly tired over the last six months. She thought it was because of her tough schedule but since she noticed tingling in her feet, she thought she should see a doctor. Patient A also has hyperparathyroidism, an autoimmune disorder that affects 100,000 people in the U.S. every year. She is not a vegetarian and eats milk, eggs and meat - all great sources of B12. The doctor ran some blood work and found very low levels of B12. The patient also had parietal cell antibodies present in her blood.

• What do you think is the cause of her B12 deficiency? Why is her body not able to absorb the necessary B12?

• What is the treatment and prognosis for this patient?

• B. **** Patient B had gastric bypass surgery three years ago. He is a vegetarian and sees a nutritionist who ensures his diet is adequate to meet his nutritional needs. Despite this, on a recent trip to his doctor, his blood work showed declining levels of vitamin B12.

• Why does this patient have low B12 even though his diet should be providing enough?

• Why didn’t Patient B have low B12 until three years after surgery?

• C. **** Patient C suffers from Crohn’s disease and had a 60 cm terminal ileal resection 4 months ago.

• What is a terminal ileal resection?

• What is Crohn’s disease and what complication led to the need for an ileal resection?

• What is absorbed by the ileum?

• Will amino acid and glucose uptake be affected by the ileal resection? Explain.

• What is the treatment and prognosis for this patient to ensure she receives necessary nutrition?