The study is designed to provide an informal summary of what is known about consumer switching of health insurance plans and to contribute to knowledge about what motivates consumers who choose to switch health plans. Do consumers switch plans largely on the basis of critical reflection and assessment of information about the quality, and price? The literature suggests that switching is complicated, not always possible, and often overwhelming to consumers. Price does not always determine choice. Quality is very hard for consumers to understand. Results from a random sample survey (n = 2791) of the Alkmaar region of the Netherlands are reported here. They suggest that rather than embracing the opportunity to be active critical consumers, individuals are more likely to avoid this role by handing this activity off to a group purchasing organization. There is little evidence that consumers switch plans on the basis of critical reflection and assessment of information about quality and price. The new data reported here confirm the importance of a group purchasing organizations. In a free-market-health insurance system confidence in purchasing groups may be more important for health insurance choice than health informatics. This is not what policy makers expected and might result a less efficient health insurance market system.

Instructors are increasingly incorporating student-centered learning techniques in their classrooms to improve learning outcomes. In addition to lecture, these class sessions involve forms of individual and group work, and greater rates of student-instructor interaction. Quantifying classroom activity is a key element of accelerating the evaluation and refinement of innovative teaching practices, but manual annotation does not scale. In this manuscript, we present advances to the young application area of automatic classroom activity detection from audio. Using a university classroom corpus with nine activity labels (e.g., "lecture," "group work," "student question"), we propose and evaluate deep fully connected, convolutional, and recurrent neural network architectures, comparing the performance of mel-filterbank, OpenSmile, and self-supervised acoustic features. We compare 9-way classification performance with 5-way and 4-way simplifications of the task and assess two types of generalization: (1) new class sessions from previously seen instructors, and (2) previously unseen instructors. We obtain strong results on the new fine-grained task and state-of-the-art on the 4-way task: our best model obtains frame-level error rates of 6.2%, 7.7% and 28.0% when generalizing to unseen instructors for the 4-way, 5-way, and 9-way classification tasks, respectively (relative reductions of 35.4%, 48.3% and 21.6% over a strong baseline). When estimating the aggregate time spent on classroom activities, our average root mean squared error is 1.64 minutes per class session, a 54.9% relative reduction over the baseline.

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We find a natural L ω 1 ,ω -axiomatisation Σ of a structure on the upper half-plane H as the covering space of modular curves. The main theorem states that Σ has a unique model in every uncountable cardinal.The proof relies heavily on the theory of complex multiplication and the work on Langland's conjecture on the conjugation of Shimura varieties. We also use the earlier work on a related problem by C.Daw and A.Harris. The essential difference between the setting of this work and that of the current paper is that the former was in the language which named the CM-points of the modular curves while our results here are over Q.

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