Automobile insurance, particularly motor third liability insurance covers dominant share in the portfolio of non-life insurance in almost all countries of the world.The aim of this paper is to analyze the process of determining premium rates in automobile liability insurance using the bonus-malus system as one of the key instruments to increase tra
Exposure therapies are based on the premise that fears are acquired through associative learning (classical or butter silk sarees pothys operant conditioning).Commonly used behavior therapies are flooding and systematic desensitization in patients of phobia.However, in our index case, we could not introduce any of these modes of therapy due to meat
Easy-removal skin adhesives require a robust reversible adhesion.This requirement is addressed in this study with the fabrication of PDMS micro-patterned surfaces that inspired by gecko feet.The design of these gecko-inspired structures were aimed to maximize the ratio between pull-off strength and peel strength.They were fabricated using the laser
Background: Acquired Immune Deficiency Syndrome (AIDS) has piled enormous tension all over the world in recent times due to its diverting phenomenon.Recent estimates of more than 2.5 million infected HIV cases in India contribute largest number in the world.Objective: To assess the socio-demographic profile of HIV /AIDS patients attending the ART c