The effect of 1980s tort reform legislation on general liability and medical malpractice insurance

A large number of states adopted tort reforms in the mid-1980s to limit the dramatic surge in insurance losses and premiums. Evidence based on liability insurance data by state indicates that these reforms substantially influenced general liability insurance. The levels of losses, premiums, and loss ratios (a measure of insurance profitability) all reflected the impact of the reforms. The large-scale reform efforts in 1986 were particularly influential. Medical malpractice insurance was much less sensitive to the reform efforts.     

Thriving Under Uncertainty: The Effect of Achievement Goal Orientation on Job Insecurity and Flourishing

Social Indicators Research - Flourishing, a construct encompassing optimal human functioning, is an indicator of well-being. The purpose of this study was to examine the direct and indirect effects...     

Assessing Overweight,Obesity, Diet,and Physical Activity in College Students

Abstract

The authors surveyed 738 college students aged 18 to 27 years to assess overweight, obesity, dietary habits, and physical activity. They used BMI (body mass index) > 25 kg/m² or BMI > 85th percentile and BMI > 30 kg/m¹ or BMI > 95th percentile to estimate overweight and obesity in those aged < 19 years. To define overweight and obesity in those > 20 years, they used BMI > 25 kg/m² and > 30 kg/m². They found overweight rates of 21.6% using BMI directly and 16.2% using BMI percentile and obesity rates of 4.9% using BMI directly and 4.2% using BMI percentile. More than 69% of the participants reported < 5 servings of fruits and vegetables per day and more than 67% reported < 20 g of fiber per day; participants reported physical activity on fewer than 3 d/wk. Most college students are not meeting dietary and physical activity guidelines, suggesting the need for prevention interventions and increased understanding of overweight in college students.     

Functional connectivity in urban landscapes promoted by <Emphasis Type="Italic">Ramphastos toco</Emphasis> (Toco Toucan) and its implications for policy making

The scarcity of green areas in urban landscapes hinders connectivity among sites reducing the flux of organisms and seed dispersal. Ramphastos toco is an effective plant disperser in tropical landscapes, playing an important role in conserving plant connectivity. In this study we combined two methods of landscape connectivity analysis, in a way not yet explored, to assess the potential contribution of Ramphastos toco to enhancing connectivity among urban vegetation patches. We used spatial modeling techniques to evaluate least cost routes, or those that facilitate bird movement through green urban areas, in Belo Horizonte, a city in Southeast Brazil. We also assessed the relative importance of forest patches for conserving both bird and seed dispersal fluxes using the integral index of connectivity. The resulting least cost route of greater accessibility for the species included in its course an important forest patch under environmental licensing for the construction of a residential condominium. The number of green urban areas covered by forest, of highest habitat quality for the species, summed to 155 patches. Of this total only 5.2% were relevant for regional connectivity, while the four most important patches are targeted by the city’s expansion plans. Ramphastos toco is an effective connector for tropical green urban areas given its adaptability, wide range of movement and seed dispersal effectiveness. We emphasize the need for incorporating ecological knowledge and the prioritization of green areas into city planning, since current expansion projects jeopardize forest patches that are crucial to the functional connectivity of the urban landscape.     

How Leaders Affect Followers’ Work Engagement and Performance: Integrating Leader−Member Exchange and Crossover Theory

Drawing on leader?member exchange and crossover theory, this study examines how leaders’ work engagement can spread to followers, highlighting the role of leader?member exchange as an underlying explanatory process. Specifically, we investigate if leaders who are highly engaged in their work have better relationships with their followers, which in turn can explain elevated employee engagement. For this purpose, we surveyed 511 employees nested in 88 teams and their team leaders in a large service organization. Employees and supervisors provided data in this multi‐source design. Furthermore, we asked the employees to report their annual performance assessment. We tested our model using multilevel path analyses in Mplus. As hypothesized, leaders’ work engagement enhanced leader?member exchange quality, which in turn boosted employee engagement (mediation model). Moreover, employee engagement was positively linked to performance and negatively linked to turnover intentions. As such, our multilevel field study connects the dots between work engagement research and the leadership literature. We identify leaders’ work engagement as a key to positive leader?follower relationships and a means for promoting employee engagement and performance. Promoting work engagement at the managerial level may be a fruitful starting point for fostering an organizational culture of engagement.     

Assessing overweight, obesity, diet, and physical activity in college students

The authors surveyed 738 college students aged 18 to 27 years to assess overweight, obesity, dietary habits, and physical activity. They used BMI (body mass index) > or = 25 kg/m2 or BMI > or = 85th percentile and BMI > or = 30 kg/m2 or BMI > or = 95th percentile to estimate overweight and obesity in those aged < or = 19 years. To define overweight and obesity in those > or = 20 years, they used BMI > or = 25 kg/m2 and > or = 30 kg/m2. They found overweight rates of 21.6% using BMI directly and 16.2% using BMI percentile and obesity rates of 4.9% using BMI directly and 4.2% using BMI percentile. More than 69% of the participants reported < 5 servings of fruits and vegetables per day and more than 67% reported < 20 g of fiber per day; participants reported physical activity on fewer than 3 d/wk. Most college students are not meeting dietary and physical activity guidelines, suggesting the need for prevention interventions and increased understanding of overweight in college students.     

Managing Network Economies: The Competitive Advantage of Commons as Ecosystems of Innovation

Among the serious concerns raised by the socioeconomic development of the twenty-first century is the question of how regional development, especially in economically weak areas, can be supported in such a way as to bring about flexibility and innovation, matters causally associated with the long-term viability and evolution of living systems. This contribution employs research results derived from the management of common-pool resources (commons) to reconstruct the ways and means by which knowledge in robust and enduring organizations of commons may support the regional development of ecosystems of innovation, that is, systems of distributed knowledge featuring polycentric administration and decision mechanisms that mutually facilitate flexible and innovative solutions. All these matters are addressed by the application of the language-information-reality (LIR) framework and its extensions. The use of this framework of analysis helps to broaden awareness and understand where common sense is a synergistic consideration, and where an enhancement of our background knowledge is necessary.     

Testing for Serial Correlation in Fixed-Effects Panel Data Models

In this article, we propose various tests for serial correlation in fixed-effects panel data regression models with a small number of time periods. First, a simplified version of the test suggested by Wooldridge (2002) and Drukker (2003) is considered. The second test is based on the Lagrange Multiplier (LM) statistic suggested by Baltagi and Li (1995), and the third test is a modification of the classical Durbin–Watson statistic. Under the null hypothesis of no serial correlation, all tests possess a standard normal limiting distribution as N tends to infinity and T is fixed. Analyzing the local power of the tests, we find that the LM statistic has superior power properties. Furthermore, a generalization to test for autocorrelation up to some given lag order and a test statistic that is robust against time dependent heteroskedasticity are proposed.     

Reflexivity and Ambivalence: Culture,Creativity and Government in the BBC

The BBC is an exemplary institution in the government of culture. In the context of the neo-liberalism of the 1990s it became also a key experimental site for the development of a new culture of government, one in which notions of markets, efficiency, accountability and audit were translated into the public sector. The focus of this paper is an analysis, based on ethnographic research, of the BBC's culture of markets, accountability and audit in the mid to late nineties. Indebted in part to the Foucauldian concern with the relations between forms of political rationality and specific technologies of government, the paper charts the substance and the anti-creative effects of these techniques. But it stresses also their contestability and negotiability, how they evoke ambivalance and coexist with diverse forms of resistance. In particular, through the case of the BBC, the paper sketches the contours of a sociology of reflexivity based on a more differentiated account of reflexivity than is found in the speculative, often normatively-directed writings of Beck, Giddens and Lash. It points to the layering of reflexivities in and around the contemporary BBC, and to the competing and antagonistic reflexivities that may inhabit any social space.     

The catastrophic effects of natural disasters on insurance markets

Natural disasters often have catastrophic risks on insurance companies as well as on the insured. Using a very large dataset on homeowners’ insurance coverage by state, by firm, and by year for the 1984 to 2004 period, this paper documents the positive effect on losses and loss ratios of both unexpected catastrophes as well as large events that the authors term “blockbuster catastrophes.” Insurers adapt to these catastrophic risks by raising insurance rates, leading to lower loss ratios after the catastrophic event. There is a widespread event of unexpected catastrophes and blockbuster catastrophes that reduces total premiums earned in the state, reduces the total number writing insurance coverage in the state, and leads to the exit of firms from the state. Firms with low levels of homeowners’ premiums are most adversely affected by the catastrophes.