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![]() Free Download Bring Home the Bakery: Sourdough Recipes for High Hydration Breads, Laminated Pastries and Swedish Buns by Grego Montalbán Sánchez, Hanna Lӧfgren English | November 26th, 2024 | ISBN: 9798890031389 | 160 pages | True EPUB | 198.95 MB Master the Art of Quality Sourdough at Home ![]() Free Download Brainiac by Justin Vellucci English | May 16, 2024 | ISBN: 9798989194704 | True EPUB | 184 pages | 4.96 MB Days before flying to New York City to ink a major-label deal that might have propelled his band Brainiac to stardom, front man Tim Taylor was killed in a car crash. But that's only the beginning of the story. Rooted in the musical community and history of their native Rust Belt home, Dayton, Ohio, Brainiac left its punk and New Wave brand of indie rock on musicians ranging from Beck to the Mars Volta. ![]() Free Download Bonus-Malus Systems in Automobile Insurance By Jean Lemaire (auth.) 1995 | 285 Pages | ISBN: 9401042756 | PDF | 7 MB Most insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems, penalizing at-fault accidents by premium surcharges and rewarding claim-free years by discounts, are called bonus-malus systems (BMS) in Europe and Asia. With the current deregulation trends that concern most insurance markets around the world, many companies will need to develop their own BMS. The main objective of the book is to provide them models to design BMS that meet their objectives. Part I of the book contains an overall presentation of the pros and cons of merit-rating, a case study and a review of the different probability distributions that can be used to model the number of claims in an automobile portfolio. In Part II, 30 systems from 22 different countries, are evaluated and ranked according to their `toughness' towards policyholders. Four tools are created to evaluate that toughness and provide a tentative classification of all systems. Then, factor analysis is used to aggregate and summarize the data, and provide a final ranking of all systems. Part III is an up-to-date review of all the probability models that have been proposed for the design of an optimal BMS. The application of these models would enable the reader to devise the system that is ideally suited to the behavior of the policyholders of his own insurance company. 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In addition to the didactic lectures (for which these chapters are the foundation), the course also offers the opportunity for presentation of research reports, progress reports from the various companies currently commercializing products, and round table discussions of selected subjects. Thus, we are grateful to past participants for their helpful comments. Production of a book, especially on a short timeline, is not an easy feat. ![]() Free Download Alex E. Fernández Jilberto, Barbara Hogenboom, "Big Business and Economic Development: Conglomerates and Economic Groups in Developing Countries and Transition Economies under Globalisation" English | 2006 | pages: 449 | ISBN: 0415412684 | PDF | 2,0 mb Bringing together an international and multidisciplinary group of experts, this is the first comprehensive volume to analyze conglomerates and economic groups in developing countries and transition economies. 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