The Economics of Property-Casualty Insurance


Book Description

The Economics of Property-Casualty Insurance presents new research and findings on key aspects of the economics of the property-casualty insurance industry. The volume explores the industrial organization, regulation, financing, and taxation of this business. The first paper, on external financing and insurance cycles, contains a wealth of information on trends and patterns in the industry's financial structure. The last essay, which compares performance of stock and mutual insurance companies, takes a fresh look at the way a company's organizational structure affects its responses to different economic situations. Two papers focus on rate regulation in the auto insurance industry, and provide broad overviews of the structure and economics of the insurance industry as a whole. Also addressed are the system of regulating insurance companies in the United States, who insures the insurers, and the effects of tax law changes in the 1980s on the prices of insurance policies.







False Alarm


Book Description

Darkly handsome and dangerously sexy, these voracious vampires are out for blood--and bound for eternal love . . .Dark Secret by Hannah HowellAlone in the world and on a desperate search, Murdina Dunbar finds an ally in mysterious Sir Gillanders Baldwin. Something about her sexy protector stirs her blood. Soon, not even whispers that he's a dangerous demon can keep her from his bed . . .Highland Vampire by Diana CosbyAs King of the Highland Coven, vampire Aedan MacGregor knows that falling for the fey Rowan Campbell could destroy her. But one taste of her healing blood and he craves her like no other. Dare he claim her, knowing he might lose her forever? . . .Never Been Bitten by Erica RidleyRumored to be a vampire, rakish Mr. Macane is ravishing all the ladies of the ton! Yet, Miss Elspeth Ramsay cannot bring herself to tremble in his presence. But once Ellie feels the thrill of his teeth at her throat, she finds herself biting him back! . . .




Legislative Calendar


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Journal of the House of Representatives of the United States


Book Description

Some vols. include supplemental journals of "such proceedings of the sessions, as, during the time they were depending, were ordered to be kept secret, and respecting which the injunction of secrecy was afterwards taken off by the order of the House".













Vanishing Borders


Book Description

The world is shrinking faster than ever. Goods, money, microbes, pollution, people and ideas are crossing boundaries ever more frequently. The implications for our future and for the health of the planet are profound. Vanishing Borders outlines the ecological challenges posed and then goes on to define the necessary strategies for tackling them. Presently, national governments are singularly ill-equipped for tackling transitional environmental problems-from ozone depletion to soaring trade in commodities such as timbre- problems which are climbing ever higher on the international political agenda. Industrial and developing countries are on a collision course over climate change, and water shortages are creating tensions in several parts of the world. The author argues that only a worldwide commitment to strengthening treaties and institutions needed to integrate ecological considerations into the rules of global commerce holds out hope. Over 200 international environmental treaties exist but most need more stringent conditions and enforcement, and continuing support from NGO and business communities. Significantly, the digital revolution, integral in itself to processes to globalization, offers channels through which powerful coalitions can effect change. The book provides a compelling and accessible analysis and a clear plan of action in pursuit of environmental stability. Originally published in 2000