Making index insurance attractive to farmers

There are several factors that influence whether people will want to participate in index insurance programs. A number of these influence their attractiveness on economic grounds, including both the size and timing of the premium and potential payouts, and the degree of risk aversion of the potential customers. Other factors make programs attractive for reasons that are not economic, but no less valid. These have to do with the trust that people have in the insurance product and the organizations involved in selling and managing it. Indeed, data from India, Africa, and South America show that these factors may be more important than the economic ones in influencing demand. Index insurance pilot projects, in order to estimate demand for alternative products, have typically involved a great deal of interaction with potential customers. It is important to recognize that such interaction is crucial not just as a research tool, but also as a means to build understanding and trust in the products. When scaling up from isolated pilots to operational programs, it is vital to recognize this trust building function by replicating participation efforts in every community. In this paper, we examine the role of field games in establishing and building trust in three important aspects of these projects for participants: trust in the insurance product, trust in the participating organizations, and trust in their own ability to make good decisions. While games have previously been used as a way to gauge interest in the product and to identify design features, we argue that these games are also valuable tools for constructing these kinds of trust.     

Nutrient compensatory foraging in a free-living social insect

The geometric framework model predicts that animal foraging decisions are influenced by their dietary history, with animals targeting a combination of essential nutrients through compensatory foraging. We provide experimental confirmation of nutrient-specific compensatory foraging in a natural, free-living population of social insects by supplementing their diet with sources of protein- or carbohydrate-rich food. Colonies of the ant Iridomyrmex suchieri were provided with feeders containing food rich in either carbohydrate or protein for 6 days, and were then provided with a feeder containing the same or different diet. The patterns of recruitment were consistent with the geometric framework: while feeders with a carbohydrate diet typically attracted more workers than did feeders with protein diet, the difference in recruitment between the two nutrients was smaller if the colonies had had prior access to carbohydrate than protein. Further, fewer ants visited feeders if the colony had had prior access to protein than to carbohydrates, suggesting that the larvae play a role in worker foraging behaviour.     

Biodynamics of steering wheel induced facial trauma

The present study was undertaken to determine the impact biomechanics of the facial skeleton secondary to steering wheel loading. Because of the particular relevance of the zygomatic bony complex in facial trauma during motor-vehicle accidents, tests were conducted by impacting the zygoma using a vertical drop impact test system. Zygoma was impacted once onto either soft or rigid wheel surfaces at velocities of up to 6.7 m/s. Peak impact forces at the cadaver zygoma were computed from the generalized force and deformation histories using matrix transformation principles. Structural abnormalities were assessed using pre- and post-test plain radiography, two-and three-dimensional computed tomography, and defleshing techniques. At impact velocities of 1.7 to 6.7 m/s, the human cadaver zygoma did not exhibit clinically significant fractures if the peak force was below 1335 N for the soft wheel interface and 1153 N for the rigid wheel interface. Consequently, to mitigate facial injuries due to unsupported rim impact, the data from the present study suggests that the peak dynamic force should be kept within these limits.     

Regulatory attitudes and environmental innovation in a model combining internal and external R&D

The extent to which environmental regulatory institutions are either ‘green’ or ‘brown’ impacts not just the intensity of regulation at any moment, but also the incentives for the development of new pollution-control technologies. We set up a strategic model of R&D in which a polluter can deploy technologies developed in-house, or license technologies developed by specialist outsiders (an ‘eco-industry’). Polluters exert R&D effort and may even develop redundant technologies to improve the terms on which they procure technology from outside. We find that, while regulatory bias has an ambiguous impact on the best-available technology, strategic delegation to systematically biased regulators can improve social welfare.