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Notice that each table consists of an unordered set of zero or more records, or rows (formally called tuples) Each row contains either a proper value for an attribute or NULL The NULL designation doesn't mean that a value is zero or empty it simply means that it's unknown and that no conclusions can be drawn from its existence For example, suppose the employee table also has this row:

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The NULL value for Gary Jones's DEPT_NAME and SALARY doesn't mean that he doesn't work in a particular department or earn a salary It just means that this information is not known The fact that NULL doesn't imply anything about the data for that attribute is an important realization and can affect the way you query and populate a database

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For most people, KNOPPIX is a special-use Linux system It s a great way to try Linux or to access a computer that isn t set up the way you like However, there are a few challenges with using KNOPPIX that you should keep in mind: n Reboot clears out KNOPPIX Unless you save your data to some other media (which you can do, as I describe later in this chapter), the entire KNOPPIX system goes away when you reboot That means files on the desktop, installed software, system configuration, and anything else you do during your KNOPPIX session will be gone unless you explicitly save that information to a hard disk or some removable medium (floppy, CD, and so on).

Constraints are used to implement integrity in the database They are one of the distinguishing features of the relational model, and they also play a role in the data-modeling process Generally speaking, there are three types of constraints supported by relational databases:

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1 Financials A The primary measure used in evaluating an insurance company is its nancial strength The selection of an insurance company by consumers generally involves six factors: (1) Financial strength (2) Willingness and ability to pay claims (3) Lines of coverage offered (4) Service before and after a claim (5) Cost of the coverage (6) Age of the company B Only after adequately identifying sound companies should a planner compare products C A company s primary line of business and policy size provide important information The following are generalities to consider: (1) Companies selling only life insurance, with a substantial portion of permanent insurance, will have better nancial stability than those companies dabbling in many product lines (2) Companies dealing mostly with term insurance are less stable because the price of term insurance is so competitive, and poor underwriting can create substantial nancial stress 2 Ratios A Another reference for insurance company analysis is the NAIC Watch-list This Insurance Regulatory Information System (IRIS) is a series of 12 nancial ratios designed to measure the nancial strength of insurers A company that has a number of bad ratios can be put on the NAIC Watch-list The insurance commissioners then tend to keep a close eye on the company to see how it is doing relative to improving those ratios B Risk-based capital (RBC) ratio is a method developed by the NAIC to measure the minimum amount of capital that an insurance company needs to maintain to support its overall operations The RBC ratio is used as a warning sign for insurance commissioners to keep track of companies having nancial problems Currently there are four major categories of risk that must be measured to arrive at an overall risk-based capital amount: asset risk, credit risk, underwriting risk, and off-balance-sheet risk C The lapse ratio is based on the percentage of policies that are canceled A high lapse ratio can make pro tability dif cult D Policy persistency is a measure of longevity of policies The most pro table policies are those that remain in force for a long time.

n Memory limitations KNOPPIX is made to be able to run without touching your hard disk, so when you save files to KNOPPIX, they are (by default) stored in your computer s memory (RAM) As a result, precious memory is devoted to holding files that might otherwise be used for running demanding applications n Performance hits Even with today s faster CD and DVD drives, it s still slower getting data from CDs and DVDs than it is getting them from a local hard disk Almost every component needed to run KNOPPIX (commands, libraries, and so on) is grabbed from the CD or DVD and decompressed on-the-fly So it can take a bit longer to run commands with KNOPPIX than it would to run them from hard disk Watch the blinking light on your CD or DVD drive to see how often KNOPPIX goes there to get data.

Entity integrity ensures that all rows in an entity (a table) are unique Recall that tables normally consist of an unordered set of rows There's no guarantee that two rows won't contain the same values for each attribute, making them identical However, this may not make sense semantically Consider the EMPLOYEE table above: It's possible that two employees named Jill Arroyo are hired on the same day and issued the same salary From the record-keeping point of view, it makes sense that there are two employees with

n Uses your CD/DVD drive Because KNOPPIX relies so heavily on data from the CD or DVD, you can t remove it while you are using the system So, if you have only one drive for removable media, you can t use it to access a music CD, install from another software disk, or burn data while you are using KNOPPIX..

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