Insurance is a term in law and economics. It is something people buy to protect themselves from losing money. People who buy insurance pay a "premium" (often paid every month) and promise to be careful (a "duty of care"). In exchange for this, if something bad happens to the person or thing that is insured, the company that sold the insurance will pay the money back. (However, there are some times when the company will not have to pay the money back, such as if the person was not careful.)
There are different kinds of insurance. There are life insurance and general insurance.
In life insurance, someone ensures their life or someone else's life. At the death of the insured person or on the date of maturity whichever happens earlier, the amount insured will be paid.
General insurance is a non-life policy, such as:
Actuaries are the people who figure out how much the premium should be, forecast trends, evaluate the cost impact of medical programs, design and price new products, assist in designing formulary models, and forecast the impact of risk adjustment on revenues. They balance how much the insurer might have to pay out against the chances of having to pay out. If actuaries think there is a big chance that the company will have to pay out, they will make the premium higher.
Bunsen burner
A Bunsen burner is a common piece of laboratory equipment. It is commonly used for heating chemical substances, sterilization, and combustion. It works by burning flammable gas. It is named after Robert Wilhelm Bunsen, a German chemist. He made important improvements on an earlier burner invented by Michael Faraday.
The Bunsen burner can be adjusted to make a flame that is very hot without making much light. This allows seeing the different colors that various chemicals make when they are sprinkled into the flame.
Reaction
A reaction might refer to:
Michael Faraday
Michael Faraday (Newington Butts, Surrey, 22 September 1791 – Hampton Court, Surrey, 25 August 1867) was the son of a blacksmith who became one of the most famous scientists of the 19th century.
He was sent to a local school to learn how to read and write. A local vicar paid for this, seeing his obvious intelligence. Faraday became the greatest experimental physicist of the nineteenth century.
Faraday became a Fellow of the Royal Society, and was awarded the Royal, Copley and Rumford medals of the Society. Although Faraday had only primary school education, and did not know higher mathematics, he became one of the most influential scientists in history. For the most part, he was an autodidact: he taught himself.
At the time when he lived, people like him were called "natural philosophers". Then, only a little was known about electricity. Michael Faraday discovered many things about the way electricity flowing in a wire can act like a magnet (now called electromagnetism). He also found out a lot about the way electricity can be used with chemicals to make them change (now called electrochemistry).
He showed that magnetism is able to affect rays of light, as there is an underlying relationship between the two phenomena. His inventions of electromagnetic rotary devices formed the foundation of electric motor technology, and it was largely due to his efforts that electricity became viable for use in technology. He made the first electric motor. It is thanks to his early work that electricity has been made into a useful thing today.
As a chemist, Michael Faraday discovered benzene, invented an early type of Bunsen burner and popularized terminology such as anode, cathode, electrode and ion. Faraday was the first Fullerian Professor of Chemistry at the Royal Institution of Great Britain, a position to which he was appointed for life. He was also the Director of the Royal Institution after Sir Humphrey Davy.
Albert Einstein kept a photograph of Faraday on his study wall alongside pictures of Isaac Newton and James Clerk Maxwell.
Michael Faraday's family was poor. His father, James, was a blacksmith. James Faraday had come to London in the 1780s from North-West England. The young Michael Faraday was one of four children and only had the most basic school education.At fourteen he went to learn how to be a bookbinder and bookseller from a man called George Riebau.
During his seven-year study of making books with Riebau, he read many books. He read Isaac Watts's "The improvement of the mind". Faraday loved to use the ideas in this book in his work. He started to become interested in science, especially in electricity. He began to attend public lessons run by the best scientists in London at the time. He showed the notes he made to the great chemist Sir Humphrey Davy. Davy liked him and offered him a job as an assistant in March 1813.
Faraday's knowledge continued to grow as he helped Sir Humphrey Davy until he was making new discoveries on his own. He was eventually made a professor in 1833. The importance of his work was seen within his own lifetime and the British government gave him a pension in his old age as a reward.
Faraday also discovered that if electricity strikes a metal object, it will only pass through the outside of the object. The inside is unaffected by the electricity. This is what keeps the people inside safe when lightning strikes a car or a plane. This is now called Faraday's Cage.
Robert Bunsen
Robert Wilhelm Eberhard Bunsen (30 March 1811 – 16 August 1899) was a German chemist. He improved the bunsen burner which now has his name. It was invented by Michael Faraday.
Much more important was the work he did which led to spectroscopy. Together with Gustav Kirchhoff, he developed a method of using the spectrum of light to identify the composition of solids,liquids or gases. Spectroscopy originated through the study of visible light dispersed according to its wavelength, for example, by a prism. Bunsen found the elements caesium and rubidium with his spectroscope.
In 1841, Bunsen developed the Bunsen cell, by improving the galvanic cell William Grove had developed in 1839.
Keith Haring
Keith Haring (May 4, 1958 - February 16, 1990) was an American artist. He was famous in the 1980s for his art, which was a mixture of graffiti and pop art and used bright colors and simplistic images, as well as social and homoerotic themes. Haring also donated money to children's causes and organizations. His artwork became well known around the world. Haring was openly gay. He died of an AIDS-related illness in 1990. The Keith Haring Foundation set up in 1989, continues his legacy of promoting art and helping children.
The Adventures of Tintin
The Adventures of Tintin () is a Belgian comic strip, created by Hergé (Georges Remi) starting in the late 1920s and into the 1970s. They were originally written and published in French, but have been translated into many languages and are popular around the world.
The stories center around a young reporter from Belgium named Tintin, who travels the world and has many exciting adventures with his dog, a white wire fox terrier named Snowy (Milou, in French) and later (starting with "The Crab with the Golden Claws" in 1941) his friend, Captain Haddock, a bearded drunk with a temper. Other popular characters include Professor Cuthbert Calculus (Professeur Tryphon Tournesol) an absent-minded and mostly deaf (but he insists he's hard of hearing) scientist and inventor, and Thomson and Thompson (Dupond et Dupont), two silly detectives.
The stories are a mixture of many different genres, including adventure, satire, and social commentary and changed over time. Twenty-three completed books, came out between 1929 and 1976. A twenty-fourth story, "Tintin in Alph-Art", was never officially finished following the death of Hergé in 1983. There have been many unofficial books, but most of those are parodies or not part of the official series. The books in the official series are: