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The Circle example class used above provides us with a clear picture of one of the most important features of object-oriented programming: no matter how the internal data of a class is organized and stored, it is the public interface that de nes how a user of the class (a programmer) will write code to interact with it We try to simplify the way objects are used by hiding all of the complex data mechanisms behind the class boundaries and exposing only those methods that manipulate objects of the class in such a way as to maintain an internal (and external) consistency To make a class ruly robust, this consistency must be maintained throughout the entire period that an object is in use When we create a new object from a class using the New operator, it is important that from the word go, the object is in a valid state The default state of a new object is for every member variable to be null; ie numbers to have a zero value, strings to be empty, etc While this is acceptable for many classes of object, in some situations we need an object to be in a valid but non-null state from the instant it is created For example, if we have a Circle object, it is a null circle immediately after it has been created We could say that one essential feature of a circle is that it has a non-zero radius, since otherwise, it is really a point However, when we create a Circle object, we rst have to create a circle with a zero radius, and then update the radius If we are concerned about objects being used consistently, this poses a problem, since, for at least a short period of time, every Circle object has to go through an inconsistent state immediately after creation If a programmer who is unfamiliar with the class was to create a new circle and not set its radius to a non-zero value, this could cause problems Visual Basic and NET provide a way around this possible situation: the class constructor A constructor is a method whose purpose is to build an object in a valid state Recall that we use the New operator to create a new object of any class We can change the way that New works by creating a constructor method for a class This is a sub that sets up a new class member into a valid state, and is invoked automatically at the point an object is created Currently, we create a new Circle object by using statements like:. idautomation-code128.asp with your unique URL that is . 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Topic 23: Legal Aspects of Insurance - 65 $100,000 of the required $120,000 of coverage That is 83 percent of the required amount Take 8333 percent of the $30,000 loss, which is $25,000 If John has a $500 deductible, the insurance company will pay $24,500 B Health insurance calculation (1) The deductible is the retained risk When covered expenses are incurred, the rst part of the expenses is applied to the deductible, which is paid by the insured (2) After the deductible is paid, the next provision is coinsurance Coinsurance, also known as co-payment, is a split between the insured and the insurance company The most common is 80/20 If an insured has a $1,500 medical bill, a $300 deductible, and 80/20 coinsurance, the insured pays the rst $300 and 20 percent of the next $1,200 The insurance company pays 80 percent of that $1,200 (3) Next is the stop-loss limit, sometimes called the maximum out-of-pocket expense Its use becomes vital in cases of catastrophic medical expenses where the coinsurance provision may result in an individual s paying a large sum of cash For example, a plan may have a $200 deductible and an 80 percent coinsurance provision that applies to the next $5,000 In this case, the most the individual pays out of pocket is $1,200 ($200 + $1,000) C Life insurance calculation (1) There are three primary factors used to calculate the premiums of a life insurance policy (a) Mortality The probability of dying or living at a certain age An actuary determines the rate of death at each age and lists an arbitrary number of lives at each age (b) Interest Insurance companies do not need to collect the full amount of future losses from the members of the group, because they earn interest on the funds that are collected The allowance for interest is made by discounting the future claims to obtain their present value (c) Loading The portion of the premium that is designed to cover the expenses, pro t, and margin for contingencies (2) Mortality and interest are used to calculate the net premium of insurance, excluding operating expenses The gross premium adds net premium and operating expenses and is the amount that the insured pays for the policy (3) Under level premium plans, the insured pays more than the cost of protection in the early years of the policy The difference between what the insured pays and the cost of protection is the policy reserves The reserves represent the cash value of the policy Reserves equal present value of future bene ts minus present value of future remiums. bc.PDFECLevel=3; bc.PDFMode=1; bc.processTilde=true; // create the file . 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