1 In The 1980s And 1990s Many States Passed Any Willing Provider Awp Legislations Th 3300634

1.In the 1980s and 1990s many states passed Any-Willing-Provider (AWP) legislations that require managed care organizations to accept any provider into their network if the provider agreestotheconditions,termsandreimbursementrates. Supposeyouarehiredbyanagency to estimate the effect of AWP legislation on state-level hospital and physician expenditures (EXP). You have state-level data on expenditures, year AWP law passed, and demographic and health characteristics spanning 1980 through 1998. Note that both EXP and AWPvary across years and states. The state-level demographic and health characteristics include population density, percent of the population of African American race, HMO market share, real per capita income and unemployment rate. Assume that data are available for 50 states. A.[20 Points] What approach would you use to estimate the effect of the policy change (i.e.,AWP) on total hospital and physician expenditures? Specify your model (the equation and important assumptions), and then explain your estimation approach. B. [10 Points] Do we need to worry about potential endogeneity in AWP? Explain. Hint: You have panel data on 50 states (n= 50) and 9 years (t = 9). In part (A), set-up a linear panel data model with dependent variable EXP?? and key explanatory variable AWPit, other regressors (population,….unemployment rate), year dummies, individual effects and the idiosyncratic error term. Note AWPit = 1 if state i passed the law (or the law was in effect) during year t. Depending on the assumptions you make, you can in principle use fixed effects, random effects or first difference. You need to explain your chosen approach. The FE estimator might be preferable, though. For part (B), explain why the AWP legislation might be endogenous. Basically, if the AWP legislation is related to the underlying changes in health expenditures, then AWP may be endogenous. This is the so called policy endogeneity. If states implement the legislation in response to upward trends in health expenditures, then AWP may be correlated with the idiosyncratic error term.

 
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1 In Pics There Is Question 2 In Excel There Is Main Stuff To Fallo 2766565

1. in pics there is question2. in excel there is main stuff to fallo

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1 Is The Fixed Manufacturing Overhead Of 1 060 000 Treated As A Product Cost In Both 1732971

1-Is the fixed manufacturing overhead of $1,060,000 treated as a product cost in both absorption costing and variable costing? 2-What is the unit product cost under variable costing? 3-What is the unit product cost under absorption costing? 4-In the first year, does the company produce more products than it sells? Under absorption costing, does this mean fixed manufacturing overhead costs are released from inventory, or deferred in inventory? 5-What is the company’s total contribution margin under variable costing? can you selove these please with steps? Please find the attachment for complete question

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1 In Straight Rebuy Buying Mode Business Buyer Makes The A Fewest Decision B Most Of 2846925

1.In straight rebuy buying mode, business buyer makes the A. fewest decision B.most of the decision C.new decisions D.modified purchases 2. Expenditures that are tailored to particular value chain and organization are classified as A. vertical investments B.horizontal investments C.specific investments D.contractual investments 3. Business buyers seek benefits in economic, social and technical terms and in total classified as A. highest benefit package B.lowest benefit package C.medium benefit package D.initiating benefit package 4. Stronger buyer and seller ties are facilitated in A. vertical coordination B.horizontal coordination C.contract coordination D.selling coordination 5. Industrial strategy to build large scale industries by bidding process is classified as A. systems buying B.management supplies C.systems contracting D.system selling

 
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1 Management Responsibilities And Internal Controls Please Respond To The Following 2812394

1- Management Responsibilities and Internal Controls” Please respond to the following:

  • From the e-Activity, analyze management’s role in the fraud and make recommendations as to how management could have prevented the fraud. Support your recommendation with examples.
  • Imagine that you are a member of the management team and are having financial difficulties. You need money for a short period of time and plan to pay it back. Develop a scheme that is likely to be undetected by internal controls. Make recommendations that would prevent you from carrying out your scheme. Support your scheme and recommendations with examples.

2-“External Auditors and Governing Bodies” Please respond to the following:

  • You are an auditor assigned to XYZ’s Company’s annual audit. The company has not reported an item because management’s assertion is that the item is immaterial. You may agree or disagree. Construct an argument that supports whether you agree or disagree with management’s assertion. Support your answer with examples.
  • The Securities and Exchange Commission (SEC) is a key governing body when it comes to financial statements. Evaluate the effectiveness of the SEC over financial statement reporting and take a position as to its effectiveness. Construct an argument that supports your position that the SEC is not effective or is effective in regulating financial reporting. Support your answer with examples.
  • 3–Financial Statement Fraud and Bribery” Please respond to the following:
    • Evaluate at least three methods that are used to commit financial statement fraud. Give your opinion of which method is mostly likely to be detected by external auditors. Provide support for your rationale.
    • From the e-Activity, explain the type of transactions the fraudster(s) was involved in, the organization the fraudster worked in, and how the bribery was detected.
 
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1 List Five Structural Steel Elements Used In Typical Building Construction And Thei 3697975

1. list five structural steel elements used in typical building construction and their primary function.

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1 Let B Be A Bayesian Network And X A Variable That Is Not A Root Of The Network Sho 2528150

1. Let B be a Bayesian network, and X a variable that is not a root of the network. Show that PB may not be the optimal proposal distribution for estimating PB(X = x).

2. In exercise we defined the edge reversal transformation, which reverses the directionality of an edge X → Y. How would you apply such a transformation in the context of likelihood weighting, and what would be the benefits?

 

 
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1 List Five Reasons That Individuals With Auto Insurance May Qualify For Reduced Pre 2719527

1. List five reasons that individuals with auto insurance may qualify for reduced premiums. (Hint: These can be related to the automobile that they drive or their own characteristics, or both).

2. MATCHING

Match each term with the correct statement below.

a.

additional living expenses

b.

comprehensive personal liability

c.

Dwelling

d.

loss settlement clause

e.

Other structures

1. When an insured peril damages an individual’s house, any increase in living costs is covered by _________________ insurance.

2. _________________ coverage protects an insured against loss to a detached garage.

3. The residence premises is called the _________________ in the homeowners’ policy.

4. The _________________ determines how items will be valued for adjustment purposes.

5. The _________________ provides liability coverage in the homeowners’ policy.

3. What are four methods for reducing moral hazard?

4. What are some methods for reducing asymmetric information?
5. What are riders? What are endorsements?

6. How can risk management benefit a corporation?

7. What are some appropriate techniques that an employer could use to reduce health care costs for its employees?

8a. What are some potential repercussions if underwriting standards are too lenient? What if underwriting standards are too stringent?

b. What are characteristics of a soft market?

c. What are some methods for an insurance company to reduce fraud in insurance? (list three)

9. What is the probability of dying for a male from ages 30 up to age 34?

What is the probability of living?

10. What are some of the motivations for employers offering employee benefits?

11. What do the average expected value, standard deviation, and coefficient of variation tell you about loss exposures?

Part Two

1. Explain the concepts of indemnity, adverse selection, asymmetric information, and moral hazard as they pertain to insurance.

2. What are the major sources of risk that we have discussed in this course? List and explain the sources of risks and why it is imperative to plan for these risks?

Part Three

1.

A. A health insurance policy contains a $200 calendar-year deductible, an 80 percent coinsurance provision, and a $2,500 out-of-pocket cap. If a $10,000 covered claim is the only claim made this year, the insurance company will pay

B. A health insurance policy contains a $200 per-cause deductible, a 75 percent coinsurance provision, and a $2,000 coinsurance cap. If a $10,000 covered claim is the only claim made this year, the insured would have to pay

3. Use the risk management process; incorporate loss control methods where appropriate. Analyze this as if you are a risk manager from a corporation that lends money. (hint: some risks might include default risk and credit risk)

http://www.azcentral.com/business/articles/0610biz-cashforcredit0610.html

Credit-boost loophole scares lending industry

Associated Press

Jun. 10, 2007 12:00 AM

Only a low credit score stood between Alipio Estruch and a mortgage to buy a $449,000 Spanish-style house in Weston, Fla., a few miles west of Fort Lauderdale.

Instead of spending several years repairing his credit rating, which he said was marred by two forgotten cellphone bills and identity theft, the 37-year-old real estate agent paid $1,800 to an Internet-based company to bump up his score almost overnight.

Instantcreditbuilders.com, or ICB, helped Estruch boost his score by arranging for him to be added as an authorized user on several credit cards of people with stellar credit who were paid to allow this coattailing. Parents also use this practice when they add their children to their credit cards to help them build solid credit.

The result was a happy ending for Estruch, but the growing practice is sending shivers through the mortgage industry. Federal regulators are also becoming increasingly concerned.

And after being contacted by The Associated Press for this story, Fair Isaac Corp., the developer of the widely used FICO score, said it will change its credit scoring system beginning later this year in a way it contends will end this little-known but potentially high-impact mortgage loan loophole.

Benefits for renters

The pitch to those who are essentially renting their credit history for pay is seductive: You don’t need to worry about users of this service receiving duplicate copies of your credit cards, account numbers or personal information.

Brian Kinney, 44, a retired Army officer in Glendale, Calif., pulls in more than $2,500 a month by lending out 19 credit-card spots on two old Citibank cards with strong payment histories. Kinney, whose FICO score is above 800 on the scale of 300 to 850, quit his job working at a Farmers Insurance agency and uses the ICB income to tide him over until he starts his own agency.

Lenders are worried, however, that they’re taking on greater default risks by unknowingly offering lower interest rates than they otherwise would to applicants who artificially boost their credit scores.

Estruch paid $1,800 in December for three credit-card spots, and by January, his FICO score jumped from 550 to 715. In mid-March, he closed on his four-bedroom beige stucco house after obtaining a 30-year fixed-rate mortgage from a unit of American Home Mortgage Investment Corp. It carried a 7.5 percent interest rate and required no down payment.

How it works

Companies like Largo, Fla.-based ICB are sprouting on the Internet with little overhead and no-frills marketing. They post ads on community Web sites like Craigslist and have sponsored links on Google and Yahoo. Competitors of ICB have even reached out to mortgage brokers, lenders and real estate agents, flooding their e-mail with advertisements.

Jason LaBossiere, who founded ICB a year and a half ago, said his company receives 100 to 150 new leads daily, a number that has been growing, and those inquiries lead to 10 to 20 new clients a week.

ICB charges $900 for the first credit-card account, with a discount for additional ones. The cardholder allowing the piggybacking on his or her credit history can receive $100 to $150 per slot, depending on the age and credit limit of each card. ICB pockets the rest.

The effect on a credit score can vary depending on what else is in a client’s report. But one borrowed credit-card account can increase a score between 30 and 45 points, two between 60 and 90 points, and five between 150 and 205 points, according to ICB. That’s because the computer program that calculates scores is essentially tricked into believing the credit renter has a better repayment history when it sees the added accounts and that helps lift the credit score.

Once the credit-card company files an updated report to credit bureaus, leading to a higher FICO score, the credit renter is removed from the account of the person allowing the piggybacking.

Fraud concerns

Kinney, the retired Army officer in California, said those borrowing his good credit history don’t get his personal information, full credit-card number or credit-card expiration dates. Any sensitive data is handled through ICB, and Kinney adds the users himself by calling his credit-card company. ICB also destroys any duplicate cards that are issued to the credit renter, according to its contract.

In fact, Kinney fears that those seeking a credit hike are most at risk to be swindled. They give the cardholder their names and Social Security numbers, which, in the wrong hands, could lead to identity theft. Kinney said he also receives credit-card offers in the mail for the credit borrowers on his accounts.

Ginny Ferguson, a mortgage broker in Pleasanton, Calif., and a credit expert for the National Association of Mortgage Brokers, considers the practice mortgage fraud, and the trade organization is about to release a policy statement against it.

“These companies are encouraging consumers to commit fraud,” Ferguson said.

ICB’s LaBossiere said he sees his business as a second chance for the consumer who has had little financial education to make good decisions. “People who are our clients are spending an incredible amount of money to get their finances back in order,” he said.

So far, federal authorities have yet to make a ruling on the issue.

And lenders, who depend on credit scores to assess a person’s ability to pay back a loan, are closely watching the practice’s growth.

Risk Manager Blake wants you to calculate the average expected loss, variance, standard deviation, and coefficient of variation for this loss experience.

 
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1 Knowledge And Understanding Demonstrate An Understanding Of The Importance Of Stra 2914475

1 Knowledge and understanding Demonstrate an understanding of the importance of strategic resource capabilities of business organisations, the organisations’ strengths and weaknesses and their impact upon organisational dynamics. 2 Knowledge and understanding Demonstrate an understanding of the nature and dynamics of the competitive environment in which business organisations operate, with particular focus on environmental threats and opportunities. 3 Intellectual, practical, affective and transferable skills Undertake a detailed analysis and evaluation of the resource capability and competitive environment of business organisations, with particular focus on the strategic fit of such organisations. 4 Intellectual, practical, Interpret that detailed analysis correctly and then report and present those findings in an appropriate manner. Module Guide Page 3 affective and transferable skills 3.1 Employability skills delivered in this module It is important that we help you develop employability skills throughout your course which will assist you in securing employment and supporting you in your future career. During your course you will acquire a wide range of key skills. In this module, you will develop those identified below: Document Preview:

Lord Ashcroft International Business School Strategic Management Analysis [For F2F Students] [Distance Learning/ Online Students – Please refer page 25] Department: Marketing, Strategy and Enterprise Module Code: MOD001074 Year: 2013/14 Semester: 2 Academic Year: 2013/14 Semester/Trimester:Module Guide Contents 1. Key Information ……………………………………………………………………………………….. 2 2. Introduction to the Module (MDF, section 6A) ……………………………………………….. 2 3. Intended Learning Outcomes (MDF, section 7) …………………………………………….. 2 3.1 Employability skills delivered in this module ………………………………………………… 3 4. Outline Delivery ……………………………………………………………………………………….. 4 4.1 Attendance Requirements ……………………………………………………………………….. 6 5. Assessment …………………………………………………………………………………………….. 7 5.1 Submitting via Turnitin®UK GradeMark [Cambridge and Chelmsford students] … 9 5.2 Submitting your work [Students in all other locations at Associate Colleges] ….. 11 5.3 Marking Rubric and Feedback ……………………………………………………………….. 11 5.4 Re-Assessment (resit) …………………………………………………………………………… 11 6. How is My Work Marked? ………………………………………………………………………… 11 7. Assessment Criteria and Marking Standards ………………………………………………. 14 7.1 Specific Assessment Criteria and Marking Rubric………………………………………. 14 7.2 University Generic Assessment Criteria – Level 6…

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1 Learners Are Required To Submit Their Work Using The Lsbf Assessment Cover Sheet A 2925378

1. Learners are required to submit their work using the LSBF Assessment cover sheet and write > 2. You are required to submit your assignment electronically to My Page 3. If you need an extension (even for one day) for a valid reason, you must request one, using a reasonable adjustment form available from the Edexcel Programme Leader. Do not ask the lecturers responsible for the course – they are not authorised to award an extension. The completed form must be accompanied by evidence such as a medical certificate in the event of you being sick. 4. General guidelines for submission of assignment: a) All work must be word-processed and must be of “good” standard. b) Document margins shall not be more than 2.5cm or less than 1.5cm c) Font size in the range of 11 to 14 points distributed to including headings and body text. Preferred typeface to be of a common standard such as Arial or Times New Roman for the main text. d) Any computer files generated such as program code (software), graphic files that form part of the course work must be submitted either online or with the documentation. Document Preview:

Order IdEHUK4021Order TypeAssignmentWords2500Deadline2014-11-11TopicInternet MarketingSubjectBusinessReference SystemHarvard (No Page Numbers)Writer NameD & M AssociateAdditional RequirementAdmin RemarkNO PLAGIARISM , NO BASIC ERROR, ALL REQUIREMENTS MUST MET, MUST FOLLOW THE STRUCTURE • Need a high standard of work • Please follow the primary research strictly • Do make sure all the requirements have met and cross checked. • No basic mistakes will be accepted such as – grammer , spelling error, meaningless lengthy sentences,missing references , PLAGIARISM and/or SIMILARITIES

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