The aim of this article is to assess the impact of Big Data technologies for insurance ratemaking, with a special focus on motor products.The first part shows how statistics and insurance mechanisms adopted the same aggregate viewpoint. It made visible regularities that were invisible at the individual level, further supporting the classificatory approach of insurance and the assumption that all members of a class are identical risks. The second part focuses on the reversal of perspective currently occurring in data analysis (...) with predictive analytics, and how this conceptually contradicts the collective basis of insurance. The tremendous volume of data and the personalization promise through accurate individual prediction indeed deeply shakes the homogeneity hypothesis behind pooling. The third part attempts to assess the extent of this shift in motor insurance. Onboard devices that collect continuous driving behavioural data could import this new paradigm into these products. An examination of the current state of research on models with telematics data shows however that the epistemological leap, for now, has not happened. (shrink)

The establishment of a functional vascular system requires multiple complex steps throughout embryogenesis, from endothelial cell (EC) specification to vascular patterning into venous and arterial hierarchies. Following the initial assembly of ECs into a network of cord‐like structures, vascular expansion and remodeling occur rapidly through morphogenetic events including vessel sprouting, fusion, and pruning. In addition, vascular morphogenesis encompasses the process of lumen formation, critical for the transformation of cords into perfusable vascular tubes. Studies in mouse, zebrafish, frog, and human endothelial (...) cells have begun to outline the cellular and molecular requirements underlying lumen formation. Although the lumen can be generated through diverse mechanisms, the coordinated participation of multiple conserved molecules including transcription factors, small GTPases, and adhesion and polarity proteins remains a fundamental principle, leading us closer to a more thorough understanding of this complex event. (shrink)

This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work. This work is in the public domain (...) in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work. As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant. (shrink)

With their intensive use of data to classify and price risk, insurers have often been confronted with data-related issues of fairness and discrimination. This paper provides a comparative review of discrimination issues raised by traditional statistics versus machine learning in the context of insurance. We first examine historical contestations of insurance classification, showing that it was organized along three types of bias: pure stereotypes, non-causal correlations, or causal effects that a society chooses to protect against, are thus the main sources (...) of dispute. The lens of this typology then allows us to look anew at the potential biases in insurance pricing implied by big data and machine learning, showing that despite utopic claims, social stereotypes continue to plague data, thus threaten to unconsciously reproduce these discriminations in insurance. To counter these effects, algorithmic fairness attempts to define mathematical indicators of non-bias. We argue that this may prove insufficient, since as it assumes the existence of specific protected groups, which could only be made visible through public debate and contestation. These are less likely if the right to explanation is realized through personalized algorithms, which could reinforce the individualized perception of the social that blocks rather than encourages collective mobilization. (shrink)

En s'inscrivant dans une problématique posée par Pierre Schaeffer à propos d'une utilisation des moyens de communication au profit de groupes sociaux d'intérêts communs, cet article présente les conditions d'émergence et de fonctionnement des réseaux spécifiques de communication sociale à partir de l'exemple concret de la radio Antélim, et il s'interroge sur une éventuelle préfiguration d'Internet. Dans un premier temps, un rappel des théorisations, recherches et expériences, menées au cours des années 1960-1970, dégagera les conditions d'une communication participative, interactive et (...) multipolaire, modèle alternatif à celui, dominant, des mass média. Puis, l'étude de l'expérimentation d'Antélim menée en France entre 1978 et 1985 avec le milieu de la marine marchande mettra en lumière l'origine du projet, sa mise en oeuvre et présentera une évaluation de l'expérience. Enfin, la question de la préfiguration d'Internet par ces réseaux spécifiques de communication sociale via la radio sera posée pour tenter de définir des parallèles possibles entre ces deux dispositifs.By entering in a problem posed by Pierre Schaeffer about a use of means of communication for the benefit of groups of common interests, this article presents the conditions for the emergence and operation of specific networks of social communication from the example of the radio Antélim, and he wondered about a possible forerunner of the Internet. At first, a reminder of the theories, research and experiments, conducted in the years 1960-1970, will identify the conditions for participatory communication, interactive and multipolar alternative model to the dominant, mass media. Then, the study of Antélim experimentation conducted in France between 1978 and 1985 with the middle of the Merchant will highlight the origin of the project, its implementation and present an evaluation of the experience. Finally, the question of the forerunner of the Internet by these specific networks of social communication via the radio will be asked to try to identify possible parallels between these two devices. (shrink)

The Metaphysical Club, a gathering of intellectuals in the 1870s associated with Harvard, is widely recognized as the crucible where pragmatism, America's distinctively original philosophy, was refined and proclaimed. Louis Menand's bestseller about the group was a dramatic publishing success. However, only three actual members - Oliver Wendell Holmes Jr., Charles S. Peirce, and William James - appear in this book, alongside other thinkers such as John Dewey who were never in the Club. The Real Metaphysical Club tells the full (...) story of how this influential group shifted the course of philosophy in America. In addition to pioneering pragmatism, the group explored radical empiricism and idealism, and formulated personalism and process philosophy, equally important developments. This volume contains thirty-seven important writings dating from 1870 to 1885 by the real members of the Metaphysical Club. The first section centers on pragmatism and science; the second part collects writings of the lawyers; and the third part covers idealist and personalist philosophers. Many of these writings have never been reprinted before, and nothing like this impressive collection has ever been attempted. A general introduction provides a narrative history, and the editors' three introductions to the volume's sections vividly bring to life the intense meetings, sustained debates, and pioneering thought from the Metaphysical Club. (shrink)

This essay illustrates what the Chinese family-based and harmony-oriented model of medical decision making is like as well as how it differs from the modern Western individual-based and autonomy-oriented model in health care practice. The essay discloses the roots of the Chinese model in the Confucian account of the family and the Confucian view of harmony. By responding to a series of questions posed to the Chinese model by modern Western scholars in terms of the basic individualist concerns and values (...) embedded in the modern Western model, we conclude that the Chinese people have justifiable reasons to continue to apply the Chinese model to their contemporary health care and medical practice. (shrink)

In this paper I interrogate the notion of `debunking conspiracy theories’, arguing that the term `debunk’ carries with it pejorative implications, given that the verb `to debunk’ is commonly understood as `to show the wrongness of a thing or concept’. As such, the notion of `debunking conspiracy theories’ builds in the notion that such theories are not just wrong but ought to be shown as being wrong. I argue that we should avoid the term `debunk’ and focus on investigating conspiracy (...) theories. Looking at recent research work in epistemology on conspiracy theory, I argue that the best way to avoid talk of `debunking’ conspiracy theories is by working with a non-pejorative definition of `conspiracy theory’, and forming communities of inquiry which allow us to investigate the warrant of such theories without the prejudice associated with working with a pejorative definition. (shrink)

A remarkable feature of the philosophical work on conspiracy theory theory has been that most philosophers agree there is nothing inherently problematic about conspiracy theories (AKA the thesis of particularism). Recent work, however, has challenged this consensus view, arguing that there really is something epistemically wrong with conspiracy theorising (AKA generalism). Are particularism and generalism incompatible? By looking at just how much particularists and generalists might have to give away to make their theoretical viewpoints compatible, I will argue that particularists (...) can accept many of the concerns that motivate generalism because generalism can never be about ‘all’ conspiracy theories without being either ahistorical or apolitical. In the end generalist critiques are best seen as useful guidelines or considerations for the appraising of particular conspiracy theories. (shrink)

Conspiracy theories and conspiracy theorists have been accused of a great many sins, but are the conspiracy theories conspiracy theorists believe epistemically problematic? Well, according to some recent work, yes, they are. Yet a number of other philosophers like Brian L. Keeley, Charles Pigden, Kurtis Hagen, Lee Basham, and the like have argued ‘No!’ I will argue that there are features of certain conspiracy theories which license suspicion of such theories. I will also argue that these features only license a (...) limited suspicion of these conspiracy theories, and thus we need to be careful about generalising from such suspicions to a view of the warrant of conspiracy theories more generally. To understand why, we need to get to the bottom of what exactly makes us suspicious of certain conspiracy theories, and how being suspicious of a conspiracy theory does not always tell us anything about how likely the theory in question is to be false. (shrink)

Health has been called the first wealth, and global health justice and governance call us to consider how justly and ethically to share this wealth. In formulating a proper political theory for glo...

Conspiracy theories are often portrayed as unwarranted beliefs, typically supported by suspicious kinds of evidence. Yet contemporary work in Philosophy argues provisional belief in conspiracy theories is—at the very—least understandable (because conspiracies occur) and if we take an evidential approach—judging individual conspiracy theories on their particular merits—belief in such theories turns out to be warranted in a range of cases. Drawing on this work, I examine the kinds of evidence typically associated with conspiracy theories, showing that the evidential problems typically (...) associated with conspiracy theories are not unique to such theories. As such, if there is a problem with the conspiracy theorist’s use of evidence, it is one of principle: is the principle which guides their use of evidence somehow in error? I argue that whatever we might think about conspiracy theories generally, there is no prima facie case for a scepticism of conspiracy theories based purely on their use of evidence. (shrink)

Class line is a fundamental line of the Party. To be the Communist Party is to make revolution, eradicate the bourgeoisie and promote the proletariat, stress class status, and implement the proletarian class line!

The contributors to this volume argue that whilst there is a commonplace superstition conspiracy theories are examples of bad beliefs (and that the kind of people who believe conspiracy theories are typically irrational), many conspiracy theories are rational to believe: the members of the Dewey Commission were right to say that the Moscow Trials of the 1930s were a sham; Woodward and Bernstein were correct to think that Nixon was complicit in the conspiracy to deny any wrongdoing in the Watergate (...) Hotel break in; and if we either accept the terrorist events of 9/11 were committed by Al-Qaeda, or that the Bush Administration was responsible, then it seems we are endorsing some theory about a conspiracy to commit an act of terror on American soil. As such, there is no reason to reject conspiracy theories sui generis. This volume challenges the prima facie that conspiracy theories are irrational beliefs, arguing that we should treat conspiracy theories and the phenomena of conspiracy theories seriously. It presents fresh perspectives from the wider philosophical, sociological and psychological community on what is becoming an issue of increasing relevance in our time. (shrink)

Conspiracy theories are typically thought to be examples of irrational beliefs, and thus unlikely to be warranted. However, recent work in Philosophy has challenged the claim that belief in conspiracy theories is irrational, showing that in a range of cases, belief in conspiracy theories is warranted. However, it is still often said that conspiracy theories are unlikely relative to non-conspiratorial explanations which account for the same phenomena. However, such arguments turn out to rest upon how we define what gets counted (...) both as a ‘conspiracy’ and a ‘conspiracy theory’, and such arguments rest upon shaky assumptions. It turns out that it is not clear that conspiracy theories are prima facie unlikely, and so the claim that such theories do not typically appear in our accounts of the best explanations for particular kinds of events needs to be reevaluated. (shrink)

Abduction and metaphor are two significant concepts in cognitive science. It is found that the both mental processes are on the basis of certain similarity. The similarity inspires us to seek the answers to the following two questions: Whether there is a common cognitive mechanism behind abduction and metaphor? And if there is, whether this common mechanism could be interpreted within the unified frame of modern intelligence theory? Centering on these two issues, the paper attempts to characterize and interpret the (...) generation and evolution of scientific metaphors from the perspective of the cognitive mechanism of abductive inference. Then it interprets the common cognitive mechanism behind abduction and metaphor within Hawkins’ frame of intelligence theory. The commonality between abduction and metaphor indicates the potential to further explore human intelligence. (shrink)