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Essay Instructions: This is a actuarial science report focusing on Markov Chain, we need to apply Markov property to investigate whether the No-claim discount scheme is appropriate for health insurance and the effect of a proposed frequency-based experience rating No-claim discount scheme in the health insurance industry.

This report is a group work and I am doing part 3 which has been highlighted in the pdf file. Please only do part 3 which is the "Actuary representing retired population in Australia". The target group of people is those with age above 65 in the excel file data tab.

For the Markov Chain, our group has been discussed to have 13 states:
State 1: no claims in the past 2 consecutive years (HH)
State 2: made a M claim last year, but no claim in the year before (HM)
State 3: made a S claim last year, but no claim in the year before (HS)
State 4: made a no claim in the year before and died last year (HD)
State 5: made a M claim in the year before and become healthy last year (MH)
State 6: made a M claim in the past 2 consecutive years (MM)
State 7: made a S claim last year and made a M claim in the year before (MS)
State 8: made a M claim in the year before and died last year (MD)
State 9: made a S claim in the year before and become healthy last year (SH)
State 10: made a M claim last year and made a S claim in the year before (SM)
State 11: made a S claim in the past 2 consecutive years (SS)
State 12: made a S claim in the year before and died last year (SD)
State 13: already died in the year before (DD)
where H=healthy, M=moderate claim, S=severe claim and D=die
Please correct it if you think this is incorrect.

The No-claim discount scheme has 11 level, all new customs start at level 0, where level 0 is the lowest lever and level 10 is the highest. If a customer have no claim in the last year, he will move up one level. Penalty for a moderate claim is to move down one level, and that for severe claim is to move down 3 levels.
There are faxes for this order.

Essay Instructions: this course is sport as the subject of the arttist as well as looking at sport as medium for aesthetic expression.
this is the material for u to write the paper , u can get it on the google" The Elements of Sport
by Bernard Suits" In additon have some Link for your wirte the paper are optional for this course:
-Fiore, A. M., and P. A. Kimle (1997). Understanding Aesthetics for the
Merchandising and Design Professional. New York, New York: Fairchild
Publications.
-Palmer, D. (1994). Looking at Philosophy. Mountain View, California: Mayfield
Publishing Company.
-Suits, B. (1988). The Elements of Sport. In W.J. Morgan & K.V. Meier (Eds.)
Philosophic Inquiry in Sport (pp. 39??"48). Champaign, IL: Human Kinetics
Publishers, Inc.

the paper should answer those question, pay attention don't copy from the internet and don't plagiarism. my teacher will check it.

Question 1. Review the list of activities below and indicate which activities are sports. Copy the list of activities into an e-mail message and make a decision as to whether or not each activity is a sport. Consider "yes" OR "no" for the sport status of each activity. Justify your decisions! In addition to your personal views be sure to consider the ideas expressed by Bernard Suits and Harry Edwards in the module readings.

Note: You should describe the circumstances associated with the activity before granting or rejecting "sport status" to the activity:

•Croquet
•Roller Derby
•Tubing
•World Wrestling Entertainment (WWE)
•Rodeo
•Team Handball
•Sky Diving
•NOTE: If you are not familiar with an activity in the above list, seek out references and information about the nature and scope of the activity before making your decision to grant "sport status" for each of the activities. Question 2. Review the nature and scope of aesthetics...With specific reference to your major and/or career choice, indicate IF aesthetics has any importance in your major/career choice. my major is Actuarial Sciences ,study math and usually work on the insurance company .

There are faxes for this order.