Malaysia will be an ageing population by 2030 as the number of those aged 60 years and above has increased drastically from 6.2 percent in 2000 and is expected to reach 13.6 percent by 2030. There are many challenges that will be faced due to the ageing population, one of which is the increasing cost of pensions in the future. In view of that, it is necessary to investigate the effect of actuarial assumptions on pension liabilities under the perspective of ageing. To estimate the pension liabilities, the Projected Unit Credit method is used in the study and commutation functions are employed in the process. Demographic risk and salary risk have been identified as major risks in analyzing pension liabilities in this study. The sensitivity analyses will be conducted in the study to investigate how the pension liabilities will be affected when these major risks changes. This study analyzes nine scenarios under assumptions in the actuarial model, namely age of retirement, rate of mortality and rate of salary growth. The result of this study indicates that the implied mortality experience and salary growth rate assumptions have a significant impact on pension liabilities.
In this paper, we introduce the concepts of Large-lifting and Large-supplemented modules as a generalization of lifting and supplemented modules. We also give some results and properties of this new kind of modules.
Secure information transmission over the internet is becoming an important requirement in data communication. These days, authenticity, secrecy, and confidentiality are the most important concerns in securing data communication. For that reason, information hiding methods are used, such as Cryptography, Steganography and Watermarking methods, to secure data transmission, where cryptography method is used to encrypt the information in an unreadable form. At the same time, steganography covers the information within images, audio or video. Finally, watermarking is used to protect information from intruders. This paper proposed a new cryptography method by using thre
... Show MoreThe pilgrimage takes place in several countries around the world. The pilgrimage includes the simultaneous movement of a huge crowd of pilgrims which leads to many challenges for the pilgrimage authorities to track, monitor, and manage the crowd to minimize the chance of overcrowding’s accidents. Therefore, there is a need for an efficient monitoring and tracking system for pilgrims. This paper proposes powerful pilgrims tracking and monitoring system based on three Internet of Things (IoT) technologies; namely: Radio Frequency Identification (RFID), ZigBee, and Internet Protocol version 6 (IPv6). In addition, it requires low-cost, low-power-consumption implementation. The proposed
In this paper we show that if ? Xi is monotonically T2-space then each Xi is monotonically T2-space, too. Moreover, we show that if ? Xi is monotonically normal space then each Xi is monotonically normal space, too. Among these results we give a new proof to show that the monotonically T2-space property and monotonically normal space property are hereditary property and topologically property and give an example of T2-space but not monotonically T2-space.
The notion of a Tˉ-pure sub-act and so Tˉ-pure sub-act relative to sub-act are introduced. Some properties of these concepts have been studied.
Background: spontaneous abortion constitutes one of the most important adverse pregnancy outcomes affecting human reproduction, and its risk factors are not only affected by biological, demographic factors such as age, gravidity, and previous history of miscarriage,but also by individual women’s personal social characteristics, and by the larger social environment. Objective:To identifyEnvironmental effects on Women's with Spontaneous Abortion. Methodology:Non-probability(purposive sample)of(200) women, who were suffering from spontaneous abortion in maternity unitfrom four hospitals at Baghdad City which include Al-ElwiaMaternity Teaching Hospital, and Baghdad Teaching Hospital at Al-Russafa sector. Al–karckhMaternityHospita
... Show MoreThe investigation of signature validation is crucial to the field of personal authenticity. The biometrics-based system has been developed to support some information security features.Aperson’s signature, an essential biometric trait of a human being, can be used to verify their identification. In this study, a mechanism for automatically verifying signatures has been suggested. The offline properties of handwritten signatures are highlighted in this study which aims to verify the authenticity of handwritten signatures whether they are real or forged using computer-based machine learning techniques. The main goal of developing such systems is to verify people through the validity of their signatures. In this research, images of a group o
... Show MoreCuO-ZnO-Al2O3 catalyst was prepared in the ratios of 20:30:50 respectively, using the coprecipitation method of Cu, Zn and Al carbonates from their nitrate solutions dissolved in distilled water by adding sodium bicarbonate as precipitant.The catalyst was identified by XRD and quantitatively analysis to determine the percentages of its components using flame atomic absorption technique. Also the surface area was measured by BET method. The activity of this prepared catalyst was examined through the oxidation of ethanol to acetaldehyde which was evaluated by gas chromatography.