Mary L. Hardy

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Under a guaranteed annuity option, an insurer guarantees to convert a policyholder's accumulated funds to a life annuity at a fixed rate when the policy matures. If the annuity rates provided under the guarantee are more beneficial to the policyholder than the prevailing rates in the market the insurer has to make up the difference. Such guarantees are(More)
Under a guaranteed annuity option an insurer guarantees to convert a policyholder's accumulated funds to a life annuity at a fixed rate when the policy matures. If the annuity rates provided under the guarantee are more beneficial to the policyholder than the prevailing rates in the market the insurer has to make up the difference. Such guarantees are(More)
Herbal medicines are often combinations of botanical extracts that are assumed to have additive or synergistic effects. The purpose of this investigation was to compare the effect of individual botanical extracts with combinations of extracts on prostate cell viability. We then modeled the interactions between botanical extracts in combination(More)
  • Andreas Milidonis, Yijia Lin, Samuel H Cox, Daniel Bauer, Mary Hardy, Jeffrey
  • 2010
Mortality dynamics are characterized by changes in mortality regimes. This paper describes a Markov regime switching model which incorporates mortality state switches into mortality dynamics. Using the 1901-2005 US population mortality data, we illustrate that regime switching models can perform better than well-known models in the literature. Furthermore,(More)
ALL RIGHTS RESERVED iii Acknowledgements My parents have been not only the most inspirational and solid supporters of me through every bad or stupid decision I've made along the way, but also made me continue to strive to make good decisions and choices. I never could have made it to the end of this without their support. I lucked out when I moved into a(More)
The growing popularity of botanical dietary supplements (BDS) has been accompanied by concerns regarding the quality of commercial products. Health care providers, in particular, have an interest in knowing about product quality, in view of the issues related to herb-drug interactions and potential side effects. This study assessed whether commercial(More)
  • Julia Lynn Wirch, Ken Vetzal, Seng Ken, Gord Tan, Jed Willmot, Frees +13 others
  • 2000
I hereby declare that I am the sole author of this thesis. This is a true copy o f t h i s thesis, including any required nal revisions, as accepted by m y examiners. I understand that my thesis may be made electronically available to the public. ii Abstract This thesis compares insurance premium principles with current nancial risk paradigms and uses(More)
OBJECTIVE 7-Hydroxymaitairesinol (7-HMR) is a naturally occurring plant lignan found in whole grains and the Norway spruce (Piciea abies). The purpose of this study was to evaluate the bioavailability of a proprietary 7-HMR product (HMRlignan, Linnea SA, Locarno, Switzerland) through measurement of lignan metabolites and metabolic precursors. METHODS A(More)