Is poverty a fact of life? Can the wealthiest nation in the world do nothing to combat the steadily rising numbers of Americans living in poverty - or the 50 million American's living in 'near poverty'? Senator Edwards and other prominent scholars, businesspeople, and community activists say otherwise.
[Siren Classic ManLove: Erotic Alternative Paranormal Romance, M/M, werewolves, public exhibition, HEA] Greg Stevens and Andrew Dean met online years ago through a mutual interest—they are both shifters, enhanced humans able to take the form of wolves at will.
When Greg's English pack decides to form a merger with an American pack, he jumps at the chance to act as an ambassador, as well as meet Andrew in the flesh. After a nervous start, their relationship quickly moves up to the next level, and love soon blossoms. At the same time, though, Greg is busy interviewing Andrew's pack to see if they're suitable to merge with his own. Are the two packs compatible? And what will happen to Greg and Andrew's relationship if they aren't?
Annuities are financial products that guarantee the holder a fixed return so long as the holder remains alive, thereby providing insurance against lifetime uncertainty. The terms of these contracts depend on the information available to insurance firms. Unlike age and gender, information about individual survival probabilities cannot be readily ascertained. This asymmetric information causes market inefficiencies, such as adverse selection. Groundbreaking in its scope, The Economic Theory of Annuities offers readers a theoretical analysis of the functioning of private annuity markets. Starting with a general analysis of survival functions, stochastic dominance, and characterization of changes in longevity, Eytan Sheshinski derives the demand for annuities using a model of individuals who jointly choose their lifetime consumption and retirement age. The relation between life insurance and annuities that have a bequest option is examined and "annuity options" are proposed as a response to the lack of secondary markets.
This book also investigates the macroeconomic policy implications of annuities and changes in longevity on aggregate savings. Sheshinski utilizes statistical population theory to shed light on the debate of whether the surge in savings and growth in Asia and other countries can be attributed to higher longevity of the population and whether this surge is durable. This book shows how understanding annuities becomes essential as governments that grapple with insolvency of public social security systems place greater emphasis on individual savings accounts.
The carnival is in town... What was supposed to be an evening of fun and laughter for JD Cole and the other students of Whitebridge High turns into a never-ending night of terror. Trapped inside the Castle of Horrors by the demonic Proprietor, good friends and bitter rivals must band together to make it through the maze of torturous attractions, where fictional monsters come to life, eager to feast on human flesh. Vampires, zombies, werewolves, and aliens lurk around every corner as JD and his friends struggle from one room to the next, fighting for their sanity, fighting to survive, fighting to escape ... The Carnival of Fear.
Enhance your understanding of Computer Vision and image processing by developing real-world projects in OpenCV 3 About This Book Get to grips with the basics of Computer Vision and image processing This is a step-by-step guide to developing several real-world Computer Vision projects using OpenCV 3 This book takes a special focus on working with Tesseract OCR, a free, open-source library to recognize text in images Who This Book Is For If you are a software developer with a basic understanding of Computer Vision and image processing and want to develop interesting Computer Vision applications with Open CV, this is the book for you. Knowledge of C++ is required.
What You Will Learn Install OpenCV 3 on your operating system Create the required CMake scripts to compile the C++ application and manage its dependencies Get to grips with the Computer Vision workflows and understand the basic image matrix format and filters Understand the segmentation and feature extraction techniques Remove backgrounds from a static scene to identify moving objects for video surveillance Track different objects in a live video using various techniques Use the new OpenCV functions for text detection and recognition with Tesseract In Detail Open CV is a cross-platform, free-for-use library that is primarily used for real-time Computer Vision and image processing. It is considered to be one of the best open source libraries that helps developers focus on constructing complete projects on image processing, motion detection, and image segmentation. Whether you are completely new to the concept of Computer Vision or have a basic understanding of it, this book will be your guide to understanding the basic OpenCV concepts and algorithms through amazing real-world examples and projects. Starting from the installation of OpenCV on your system and understanding the basics of image processing, we swiftly move on to creating optical flow video analysis or text recognition in complex scenes, and will take you through the commonly used Computer Vision techniques to build your own Open CV projects from scratch. By the end of this book, you will be familiar with the basics of Open CV such as matrix operations, filters, and histograms, as well as more advanced concepts such as segmentation, machine learning, complex video analysis, and text recognition. Style and approach This book is a practical guide with lots of tips, and is closely focused on developing Computer vision applications with OpenCV. Beginning with the fundamentals, the complexity increases with each chapter. Sample applications are developed throughout the book that you can execute and use in your own projects.