The Use of Telematics Devices to Improve Automobile Insurance Rates

Most automobile insurance databases contain a large number of policyholders with zero claims. This high frequency of zeros may reflect the fact that some insureds make little use of their vehicle, or that they do not wish to make a claim for small accidents in order to avoid an increase in their premium, but it might also be because of good driving. We analyze information on exposure to risk and driving habits using telematics data from a pay‐as‐you‐drive sample of insureds. We include distance traveled per year as part of an offset in a zero‐inflated Poisson model to predict the excess of zeros. We show the existence of a learning effect for large values of distance traveled, so that longer driving should result in higher premiums, but there should be a discount for drivers who accumulate longer distances over time due to the increased proportion of zero claims. We confirm that speed limit violations and driving in urban areas increase the expected number of accident claims. We discuss how telematics information can be used to design better insurance and to improve traffic safety.     

When implicit prejudice does not predict explicit prejudice: Spanish version of the Concern with Acting Prejudiced scale / Cuando el prejuicio implícito no predice el explícito: versión española de la escala Concern with Acting Prejudiced

The aim of this research was to adapt and validate the Concern with Acting Prejudiced (CAP) scale for a Spanish sample. This measure evaluates concern about appearing prejudiced to others or oneself and the motivation not to deviate from personal egalitarian standards. First, we completed the translation and an item content validity analysis. Then, in Study 1 (N = 198), we conducted an exploratory factor analysis. In Study 2 (N = 383), we conducted a confirmatory analysis of the unifactorial structure of the Spanish version of the scale and examined its validity. In Study 3 (N = 89), we explored the moderating role of participants’ concern with acting prejudiced in the relation between implicit prejudice and explicit prejudice. The results confirmed the unifactorial structure of the scale, its appropriate psychometric properties and its predictive validity. Moreover, we confirmed that the CAP moderated the relation between implicit and explicit prejudice. In participants with a low concern with acting prejudiced, implicit prejudice was positively related with modern prejudice; in participants with a high concern with acting prejudiced, these variables were not related.     

Measuring and Analysing Community Action for Health: An Indicator-Based Typology and Its Application to the Case of Barcelona

Social welfare systems face major challenges, particularly in a context of social transformation, austerity and growing inequalities. This process is highly visible in the health sector. In this context, many voices ask for public sector reforms and community action for health as a relevant practice. However, analyses and evaluations of this kind of practices are still limited, particularly beyond the cases of single community health actions or interventions. We still need to identify key indicators for measuring and characterising what community action for health consists of, as well as to what degree this kind of intervention has been developed across a city. Based on a research about 49 neighborhoods in Barcelona, this paper creates an index to measure and characterize community action for health, using different indicators: citizen engagement programs in community health, organizational transformation of the health and social protection systems, stable participatory structures with specific teams, and urban health policies. We apply the index to the case of Barcelona and build a map of community action for health in the city using 4 categories: strong community health development (one neighbourhood), middle (9 neighborhoods), emergent (25 neighborhoods) and without specific community health promotion (14 neighbourhoods). We find that community action for health is extensive within the city of Barcelona, have great potential as a response to the need for change in the relationship between the public (health) sector and the citizenry, but is still implemented unequally across the urban territory in terms of types and methods.     

Urban ecosystem Services in Latin America: mismatch between global concepts and regional realities?

Urban Ecosystems - Latin America and the Caribbean (LAC) is one of the most urbanized and biologically diverse regions in the world but is often characterized by weak environmental governance and...     

Controlling the illusion of control: a grounded theory of sports betting advertising in the UK

Sports betting advertising has arguably permeated contemporary sport consumption in many countries. Advertisements build narratives that represent situations and characters that normalize betting behaviour and raise public concerns regarding their detrimental effect on vulnerable groups. Adopting a grounded theory approach, the present study examined a British sample of sports betting advertisements (N = 102) from 2014 to 2016. The analysis revealed that individual themes aligned in a single core narrative, constructing a dual persuasive strategy of sports betting advertising: (i) to reduce the perceived risk involved in betting (with themes such as betting with friends, free money offers, humour, or the use of celebrities) while (ii) enhancing the perceived control of bettors (including themes of masculinity and sport knowledge). In addition, new technological features of sports betting platforms (e.g. live in-play betting) were used by advertisers to build narratives in which the ability to predict a sports outcome was overlapped by the ability of bettors to use such platforms, equalizing the ease of betting with the ease of winning. Based on the data analysed, it was concluded that the construction of a magnified idea of control in sports betting advertising is a cause for concern that requires close regulatory scrutiny.     

Student degree program and attitudes toward gays and lesbians in the military: is there a connection?

Individuals routinely experience discrimination based on sexual orientation. Since the implementation of Don't Ask, Don't Tell in 1994, over 13,000 military personnel have been discharged from the U.S. military on the basis of sexual orientation. As helping professionals, social workers will often provide services to returning gay and lesbian veterans. Therefore, social work programs must ensure that students develop positive attitudes toward and understanding of the needs presented by this population. Little is known about whether a specific degree program can be a predictor of student attitude toward gay and lesbian individuals in the military. Eighty-nine graduate students completed the Attitudes Toward Homosexuals in the Military (ATHM) scale, and scores were compared between two graduate degree programs: Social Work and Business Administration. A statistically significant relationship was found between degree program and ATHM scores. Implications for policy, practice and research related to gay and lesbian veterans are discussed.     

Implementing the Power to Kids programme in home-based (foster) care: Identifying the SAFETY approach

Sexual abuse and dating violence are chronic problems for children and young people in out-of-home care. This study explored the impact of a prevention and response programme Power to Kids, which targets harmful sexual behaviour (HSB), child sexual exploitation (CSE) and dating violence (DV) for children and young people in home-based (foster) care. Twenty-eight case managers, 25 foster carers and 13 children and young people participated in a mixed methods study in Victoria, Australia informed by the research question: How does the Power to Kids programme impact the sexual health and safety of children and young people in home-based (foster) care? The data analysis revealed a SAFETY approach whereby the sexual health and safety knowledge of carers and case managers was enhanced, and carers were given permission to have Brave Conversations with children and young people, who could then apply the new knowledge to their lives. Case managers were upskilled in identifying indicators of sexual abuse and empowered to escalate stalled therapeutic and disruption practice when children and young people were identified as experiencing HSB, CSE or DV.     

Financial frictions and indebtedness of Balkan firms: A comparison with Mediterranean and Central European countries

Using a large database of financial data for non-financial corporations, we study the process of debt accumulation and its influence on liquidity through the boom-bust-recovery regimes (2006–2010) in the Balkan countries and benchmark this against the Mediterranean and Central European countries. The domestic amplification effects (through the financial accelerator and collateral pricing) of both the capital surge from developed EU countries at the onset of the crisis and the capital reversal afterwards are the focus of the analysis. We show that domestic generators and amplificators of the crisis have much larger effects in the Balkan countries than in the Mediterranean countries, not to mention the countries of Central Europe. In the boom period, the financial accelerator was several times stronger in the Balkan countries than in the Mediterranean and Central European countries. In the bust and recovery periods, however, the direct effects of the financial accelerator declined, but the indirect effects increased considerably due to liquidity squeezes and contagion, especially strong were corresponding intercompany debt effects. In the Balkan countries, these effects in the bust and recovery periods were at least 50% larger than in the Mediterranean and Central European countries. Higher crisis costs in the Balkan countries, relative to the benchmark regions, could be attributed to the late integration of these economies into international financial and trade flows, weak institutions of financial intermediation, and inexperienced regulators; however, the importance of the contribution of misguided EU convergence doctrine cannot be ignored. Lessons for improving macromanagement in EU periphery countries are suggested.     

A new way of quantifying the symmetry of a random variable: Estimation and hypothesis testing

New measures of skewness for real-valued random variables are proposed. The measures are based on a functional representation of real-valued random variables. Specifically, the expected value of the transformed random variable can be used to characterize the distribution of the original variable. Firstly, estimators of the proposed skewness measures are analyzed. Secondly, asymptotic tests for symmetry are developed. The tests are consistent for both discrete and continuous distributions. Bootstrap versions improving the empirical results for moderated and small samples are provided. Some simulations illustrate the performance of the tests in comparison to other methods. The results show that our procedures are competitive and have some practical advantages.