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duplicate values for name, salary, and hiring date However, in real life it makes no sense we know they're two distinct people In relational databases, a primary key is the mechanism that implements entity integrity and distinguishes rows from each other Referential integrity ensures that row values that refer to values in another table are consistent This is necessary in order to obey real-world constraints, and it can be an important technique for reducing data duplication throughout the database For example, if we have a table called EXECUTIVE, we might use the same names as in the EMPLOYEE tables In this sense, NAME is the attribute that underlies the relationship between EMPLOYEE and EXECUTIVE Rather than copy the name of each employee who is an executive into the EXECUTIVE table, we can simply point to that entry from the EXECUTIVE table In addition to saving space, this has another important benefit: It forces us to deal with the case where an employee who is also an executive is deleted from the EMPLOYEE table Either that operation should fail or the corresponding row in the EXECUTIVE table should also be deleted In relational databases, a foreign key is used to implement referential integrity Semantic integrity ensures that row values obey some other kind of semantic or application-level constraint For example, it may make sense to prevent anyone from entering an employee salary that is below zero This makes sense in the real world, but the database doesn't know what a "salary" is and would normally not force all salary entries to be zero or above To enforce this property, we implement a semantic integrity constraint, which is also frequently referred to as a check constraint



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1. I. S. Gradshteyn and I. M. Ryzhik, Table of Integrals, Series, and Products, 5th ed. San Diego, CA: Academic Press, 1994. 2. M. Abramowitz and I. A. Stegun, Handbook of Mathematical Functions with Formulas, Graphs, and Mathematical Tables, 9th ed. New York, NY: Dover Press, 1972. 3. J. I. Marcum, Table of Q Functions, U.S. Air Force Project RAND Research Memorandum M-339, ASTIA Document AD 11 65 451, Rand Corporation, Santa Monica, CA, January 1, 1950. 4. J. I. Marcum and P. Swerling, Studies of target detection by pulsed radar, IEEE Trans. Inform. Theory, vol. IT-6, April 1960. 5. A. Nuttall, Some Integrals Involving the Q-Function, Technical Report 4297, Naval Underwater Systems Center, New London, CT, April 17, 1972. 6. M. K. Simon, Probability Distributions Involving Gaussian Random Variables: A Handbook for Engineers and Scientists, Boston, MA: Kluwer Academic Publishers, 2002.





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Let's take a quick break to discuss how a database can be queried In this section, we'll cover basic SQL as well as what's involved in single-table and multitable querying This will not only make the next section easier to understand, but it will help categorize the queries that we'll refer to later

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Topic 34: Insurance Company Selection and Due Diligence - 101 3 Ratings A Ratings of nancial strength are best obtained from the ve primary established rating organizations: (1) A M Best, (2) Fitch (formed by merger of Duff & Phelps and Fitch IBCA), (3) Moody s, (4) Standard & Poor s, and (5) Weiss B Ratings are generally based on the analysis of ve factors: (1) Underwriting results (2) Economy of management (3) Adequacy of reserves for undischarged liabilities (4) Adequacy of policyholders surplus to absorb shocks (5) Soundness of investments C The following list identi es the lowest rating system used by each rating agency in identifying a good insurance company a higher rating indicates a stronger company, and a lower rating indicates a weaker company A M Best FPR 5 Good Fitch BBB- Good Moody s Baa3 Adequate Standard & Poor s BBB- Adequate Weiss B- Good D It is often suggested that before any insurance company is recommended, it should have one of the top three ratings from at least three of the previously listed organizations 4 Mutual versus stock A Stock insurance companies (1) Capital stock insurance companies are pro t-making ventures in which stockholders assume the risk from individual insureds (2) Stockholders own the company and elect a board of directors (3) The premium charged by the company is nal (4) Earnings are distributed to shareholders in the form of dividends (5) Capital invested by stockholders provides a surplus to protect against adverse contingencies B Mutual insurance companies (1) Policyholders own the company Ownership is acquired when they purchase a policy from the mutual insurer There is no vested right of ownership except in the case of liquidation (2) The premium charged by the company is not xed (3) There is a lack of capital stock and distribution of earnings (4) The company must accumulate a surplus to protect against adverse contingencies 5 Reinsurance A Reinsurance is insurance for insurers B The purpose is the diversi cation of losses when catastrophic events occur In this way, it enhances the nancial strength of the insurance company C Reinsurance also enhances the growth of small companies by having a reinsurer take over part of the requirement for maintaining adequate reserve D The policyowner looks to the primary insurer for paying a claim The primary insurer is then reimbursed by the reinsurer.

There are other theoretical fields besides the neo-liberal stage and its two principal players that contextualize the spatiality of state and immigrant projects. Precisely because the homunculus of homo economicus presents an

Clients interact with DBMSs by issuing queries To query means to inquire, so, it's no surprise that queries is the database term used to refer to the retrieval of data However, when talking about databases, query also applies to the inserting, updating, and deleting of data as well as to the creation, alteration, and destruction of database objects (such as tables) To issue a query to a database means to express it in a query language The standard relational query language, defined by ANSI and supported by all major database vendors, is Structured Query Language (SQL) The SQL standard is long and complex, with recent versions specifying more advanced notions such as stored procedures Unless otherwise specified, we'll be concerned with the SQL-92 standard and focus mostly on two categories of SQL statement: those that manage data structures (database definition language, or DDL) and those that manipulate data (database manipulation language, or DML) DDL and DML statements are by far the most common type of SQL, and so we'll focus our discussion on them The easiest way to distinguish DDL from DML is that the former always involves the creation, alteration, or destruction of database objects (including tables) In contrast, DML statements simply manipulate data in a table Here's an example of a DDL query that creates a database table:

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Contents xvii 11.2 Evaluation paradigms and techniques 340 11.2.1 Evaluation paradigms 341 11.2.2 Techniques 345 D E C I D E: A framework to guide evaluation 348 11.3.1 Determine the goals 348 11.3.2 Explore the questions 349 11.3.3 Choose the evaluation paradigm and techniques 11.3.4 identify the practical issues 350 1 1.3.5 Decide how to deal with the ethical issues 351 11.3.6 Evaluate, interpret, and present the data 355 pilot studies 356

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