In pricing insurance contracts based on the individual policyholder’s aggregate losses for non-life insurers, the literature has mainly focused on using detailed information from policies and closed claims. However, the information on open claims can reflect shifts in the distribution of the expected claim payments better than closed claims. Such shifts may be needed to be reflected in the ratemaking process earlier rather than later, especially when insurers are experiencing environmental changes. In practice, actuaries use ad hoc techniques to adjust data to current levels to determine premiums. This paper presents an intuitive ratemaking model, employing a marked Poisson process framework, which ensures that the multivariate risk analysis is done more routinely using all reported claims and makes an adjustment for Incurred But Not Reported claims. Utilizing data from the Wisconsin Local Government Property Insurance Fund, we find that by determining rates based on current data, the proposed ratemaking model leads to better alignment of premiums and provides insurers with a more financially sound portfolio.

The Holocene and late Pleistocene environmental history of the teri ('sandy waste' in local parlance) red sands in the southeast coastal Tamil Nadu was examined using remote sensing, stratigraphy, and optically stimulated luminescence (OSL) dating. Geomorphological surveys enabled the classification of the teri red sands as, 1) inland fluvial teri, 2) coastal teri and 3) near-coastal teri dunes. The inland teri sediments have higher clay and silty-sand component than the coastal and near-coastal teri, suggesting that these sediments were deposited by the fluvial process during a stronger winter monsoon around ≫ 15 ka. The coastal teri dunes were deposited prior to 11.4 ± 0.9 ka, and the near-coastal dunes aggraded at around 5.6 ± 0.4 ka. We; interpret that the coastal dunes were formed during a period of lower relative sea level and the near-coastal dunes formed during a period of higher sea level. Dune reddening is post deposition occurred after 11.4 ± 0.9 ka for the coastal teri dunes and after 5.6 ± 0.4 ka for the near-coastal teri dunes. Presence of microlithic sites associated with the coastal dunes suggest that the cultures existed in the region during 11.4 ± 0.9 ka and 5.6 ± 0.4 ka.

Palynological studies document forest disappearance during the late Holocene in the tropical Maya lowlands of northern Guatemala. The question remains as to whether this vegetation change was driven exclusively by anthropogenic deforestation, as previously suggested, or whether it was partly attributable to climate changes. We report multiple palaeoclimate and palaeoenvironment proxies (pollen, geochemical, sedimentological) from sediment cores collected in Lake Petén Itzá, northern Guatemala. Our data indicate that the earliest phase of late Holocene tropical forest reduction in this area started at ∼ 4500 cal yr BP, simultaneous with the onset of a circum-Caribbean drying trend that lasted for ∼ 1500 yr. This forest decline preceded the appearance of anthropogenically associated Zea mays pollen. We conclude that vegetation changes in Petén during the period from ∼ 4500 to ∼ 3000 cal yr BP were largely a consequence of dry climate conditions. Furthermore, palaeoclimate data from low latitudes in North Africa point to teleconnective linkages of this drying trend on both sides of the Atlantic Ocean.

Freedom from fear and freedom from want are two of the fundamental freedoms and likely related to changes in the environment. It has usually been assumed that our subjective feelings should change accordingly with changes in the objective environment. However, two counterintuitive effects reviewed in this article imply a rather complex psychological mechanism behind how people respond to environmental changes and strive for the freedom from fear and want. The first is the ‘psychological typhoon eye’ effect, in which the closer people are to hazards, the calmer they feel. Several possible explanations have been proposed, but the mechanism behind this effect remains unclear. The findings are important for future post-disaster interventions and helpful for policy makers in risk management and researchers in risk studies. The second effect is the ‘town dislocation’ effect, wherein although inhabitants’ objective quality of life is improved during the urbanisation process, the projected endorsement and rated social ambience of town residents is lower than that of residents in the country and in the city; this effect is mediated by social support. The findings have implications for how to better assess the urbanisation process and how to improve people's affective appraisals of their living environment.

Amiantis purpurata shells from the San Matías Gulf (SMG) were analysed in order to compare both morphology and size throughout the late Quaternary in relation to environmental changes. Shells from modern beaches, Holocene marine assemblages (late Holocene, 3630 ± 100 years bp) and interglacial Pleistocene marine assemblages (MIS 5, 100 ka years bp) were studied by measuring the height and length, and using the elliptic Fourier analysis (EFA) to take an outline contour. The Pleistocene shells were smaller, more elliptical and with a deeper lunule than the Holocene and modern ones. No significant differences were recorded in the allometry index throughout the late Quaternary. The variation in size and shape of the A. purpurata shells could be related to the phenotypic plasticity of this species as a response to the environmental changes registered in the SMG during the Quaternary. These changes include variations in sea surface temperatures, salinities and substrates, and also water circulation changes, which would have modified nutrient availability. Morphological changes imply burrowing activity, mechanical stability, nutrient uptake and defence response to predation.

Low external-input agriculture seeks to optimize interactions between species that permit processes at the ecological community level to shift inputs away from nonrenewable or synthetic sources. This goal can be reached through the study of the ecological basis of an array of plant-plant and plant-insect interactions, especially in intercropping systems where particular plant mixtures are of benefit to the entire crop community. These polyculture systems can be managed for nutrient cycling efficiency and pest and disease regulation using knowledge of multi-trophic level interactions and application of recent developments in mutualism and competition theory. A mechanistic model of additive and removal reactions on the environment is proposed as a means of studying species interactions.