Christiaan Nel

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OBJECTIVE This study was conducted to determine the prevalence of hazardous, harmful and dependent drinking among hostel-dwelling students on the main campus of the University of the Free State (UFS), and the influence of sex and academic year on the habit. METHOD A quarter of all hostel-dwelling students of UFS were selected by systematic random(More)
An emerging consensus among long-term insurance regulators worldwide means that statutory supervision will involve a more detailed and scientific assessment of risk. The strong expectation is that in the future regulators will set capital adequacy standards that are based on a true assessment of a company’s own specific underlying risks, implying the use of(More)
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