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.     

‘Systemic thinking’, ‘regenerative culture’, and new forms of prefigurative politics: challenges for the global left

ABSTRACT

One of the aspects of the current crisis of the Left is an ‘epistemological blindness’ that prevents it from identifying opportunities for its own renewal. That includes the dismissal of the contribution of prefigurative forms of collective action which do not fit its institutionalized orthodoxies. Their most significant expression is a range of grassroots initiatives based on ‘systemic thinking’ and aimed at promoting a ‘regenerative culture’. It includes non-capitalist economic initiatives, such as those of the transition movement, social and solidarity economy and the Global Ecovillage Network, as well as of the temporary communities created by Occupy Wall Street movement and the Dakota Access Pipeline protests. They regard social polarization, patriarchy, and the crisis of democracy as interconnected dimensions of a civilizational dysfunction that asks for whole-systems solutions. Such approach, if adopted by the Left, may contribute to its renewal and political strengthening.     

What is Integration? A Comparative View from Immigrants and Municipal Policy

The ongoing project of citizenship construction in societies receiving international immigration demands a perspective that takes into account the interests, views and needs of all socio-demographic groups, including those of newcomers as potential new citizens. We interviewed representatives of 16 immigrant associations operating in the Spanish autonomous community of Galicia, reviewed immigration policy in 13 Spanish (Galician) municipalities, and interviewed 20 municipal government staff members who put these into practice. With this research, we aim to explore the perspectives of immigrants with respect to their own integration and to examine how these compare with local policies designed to facilitate these processes. By comparing the immigrant representatives' perceptions with local policy discourses and practice, our study reveals how local integration practice is not only inconsistent with its own policy discourse but also fails to consider and include immigrants' own understandings of what integration means and how it can be achieved.     

International Adaptation of a Treatment Program for Situational Couple Violence

Intimate Partner Violence (IPV) is a serious international problem. Stith, S. M., McCollum, E. E., and Rosen, K. H. received funding from the US National Institute of Mental Health to develop and test a program for couples experiencing IPV: Domestic Violence Focused Couples Treatment (DVFCT). This article provides an overview of DVFCT, and presents three case studies illustrating how DVFCT has been adapted for use in Colombia, Iran, and Finland. This article emphasizes the need for adapting treatment models to be culturally informed, provides practice-based evidence for DVFCT as a treatment model, and highlights the importance of careful screening and assessment when working with couples who have experienced violence, no matter the country or location where treatment is being conducted.     

L’évolution démographique et l’automatisation,deux enjeux mondiaux pour l’avenir du travail

Les auteurs s'interrogent sur le nombre des emplois qu'il conviendra de créer demain pour répondre aux besoins engendrés par l'évolution démographique, économique et technologique. Ils font le calcul pour la période 2020-2030, en se fondant sur des projections de croissance démographique et de taux d'activité et en fixant des taux de chômage cibles. Les résultats sont ventilés par âge et par sexe. Les auteurs tiennent compte également de l'influence du niveau de revenu du pays et de l'automatisation. D'après leurs projections, les besoins de création d'emplois atteindront 340 millions en 2020-2030, et ils seront imputables à l'évolution démographique bien plus qu'à l'automatisation.     

Relationship between duration of second stage of labour and postpartum anaemia

Aim

To assess the relationship between the duration of the second stage of labour and postpartum anaemia during vaginal birth.

Gender gaps in STEM in Japanese academia: The impact of research productivity,outside offers,and home life on pay

To understand differences in labor market outcomes between genders, economists must examine a complex array of potentially significant factors, such as institutional context, productivity differences, child-bearing and home production, and bargaining behavior. Many of these factors are not well captured by standard data sources. We use a new survey of academics in Japan to better understand the sources of gender pay differences. We find a 6% pay gap which persists when we control for research productivity, despite an institutional context shaped by explicit salary tables. We do not find a motherhood wage penalty, and the gender salary we document is not affected by differences in outside job offers.     

Does it pay to care? Volunteering and employment opportunities

We investigate whether volunteering has a causal effect on individual employment opportunities. To this end, a field experiment is conducted in which volunteering activities are randomly assigned to fictitious job applications sent to genuine vacancies in Belgium. We find that volunteers are 7.3 percentage points more likely to get a positive reaction to their job applications. The volunteering premium is higher for females but invariant with respect to the number of engagements.     

Effects of variations in water quantity and quality in the structure and functions of invertebrates’ community of a Mediterranean urban stream

Urban Ecosystems - Urban streams provide important ecosystem services to cities’ population, from the maintenance of urban biodiversity, temperature, humidity and air quality to improving...