In this study we analyze the variability and average level of spending in retirement under
two strategies: the popular" 4% rule" and what we will term the self-funded variable annuity …

While a growth-oriented investment-style manager focuses on companies with consistent
earnings, growth and momentum, a value-oriented style manager targets companies with low …

Suppose your insurance company has issued a new block of equity-indexed products. To
manage these policies, you use stochastic scenarios based upon your economist’s best …

Simple Summary Immune escape mechanisms have been identified in every step of lung
tumorigenesis. A heterogeneous ensemble of immune evasion processes shapes the …

Japan’s financial markets are great examples of the kinds of powerful trends that can develop
in markets. Japan’s broad equity market index, the TOPIX, had a 40-year bull market that …

Males of several animals, including insects, use acoustic signals to attract a sexually receptive
conspecific partner. In the orthopteran chorusing genus Poecilimon (Tettigoniidae), male …

An increase in measles cases worldwide, with outbreaks, has been registered in the last
few years, despite the availability of a safe and highly efficacious vaccine. In addition to an …

Graphene is a 2D material combining numerous outstanding physical properties, including
high flexibility and strength, extremely high thermal conductivity and electron mobility, …

The molecular identification and characterization of antigenic epitopes recognized by T cells
on human cancers has rapidly evolved since the cloning in 1991 of MAGEA1, the first gene …

Due to their increased transmissibility, three variants of high concern have emerged in the
United Kingdom (also known as B.1.1.7 lineage or VOC-202012/01), South Africa (B.1.351 …