Friday. March 11, 1933
5
Daily N'ebraskan
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ECITOR
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Mt js Hon
Daniel M. Shsttil
J'ry Scott
Kitty Policky
Mtchtet Thuman
Sit Jepttn
Ca id Vtocd
John G. Goadt
Patty Pry of
Bob Atmuutn
David Luehkt
0v Bant i
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Letter
Policy
Job interview. . .
Continued from Page 4
"I've got your transcripts here, hmmm . . . very
interesting."
Come on, get it over with and ask it, I thought. Thai's
wliat I hate about interviews, everything is implied and
the interviewer always leads you on to say something
you don't really want to say. They r.eer have the guts
to come out and ask you, "Well, what happened here in
statics?"'
"Well, wliat happened here in statics?" he asked.
It W3S hopeless. I felt like 1 was in a circus, strapped
helplessly to a wall with someone throwing 10 sharp
knives at me, each knife just missing.
"You took thermodynamics last semester," he asked.
"How did you do?"
"OK," 1 lied as the second knife just missed my head.
I kept asking myself what I was doing here, and why 1
deserved this.
It was a horrible 30 minutes, and the worst experience
of my life, but finally the interview ended. I walked out
ISisk dasssfea&mi changes need study
In the interests of providing additional discussion of
some important issues. I would like to respond to Ellen
Goodman's column "Being a woman is real risk in insur
ance" (Daily Nebraskan, March 2). As a Fellow of the
Society of Actuaries (not a "great Statistician in the
Sky'), I have some professional background in the issues
and principles related to risk classification.
Simply put, the objective of risk classification is to
identify a group of individuals who can be expected
to incur very similar costs. There is, of course, room
for disagreement over the proper criteria for classificat
ion. Based on a scientific analysis of experience data,
however, sex is a proper distinction to be made. Ms.
Goodman seems to accept the evidence that women
as a group experience different probabilities of death
than similarly-situated men. (Studies seem to indicate
that the difference is not due to differing socio-economic
pressureconditions, as one might guess, since there is
a significant difference in male and f erode infant mort
ality.) Eliminating classifications by sex can be justified on
the basis of proper social policy, and that may well be
appropriate. But the immediate and potential implicat
ions of that action must be fully understood. The im
mediate implication is that men as a group would be
subsidizing women as a group with regard to pensions,
and vice -versa for life insurance.
There are also some significant implications for pricing
those products, since the distribution of an individual
company's business by sex will then have an impact on
the premium determined. The pttential implication is a
further restriction of the classific ition system by elimin
ating other criteria such as age. Vhis has serious conseq
uences for the nature of insurance - e.g. younger people
opt not to buy insurance, with the result that the
premium will have to go up, because an older population
is insured; but then more relatively younger people opt
not to buy insurance because the premium is higher,
etc. These consequences may or may not be in the best
interests of the individual consumers of the financial
services industry.
The insurance industry has served as an important
financial service function in the past and I believe it
will continue to do so, as evidenced by the recent flurry
of activity in developing new products such as Universal
Life. The industry must be continually responsive to the
changing environment. But it must be remembered that
before the industry makes fundamental changes in its
operation, it has an obligation to current and future
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policy holders to make sure the implication of those
changes are studied and made known.
Warren R. Luckner
assistant professor and director,
Actuarial Science Program
Few Americans at festival
Sunday, the Institute of Agriculture and Natural
Resource's International Programs department spon
sored the East Campus International Festival. The purpose
of this event was to promote increased interaction and
understanding between American and foreign students.
Those in attendance saw demonstrations of various
ethnic cultures, participated in discussion groups and
sampled foods from different areas of the world. The
event was relatively well attended, and those present
seemed to enjoy the program .
There were, however, two aspects of the festival in
which I was disappointed. The first was the lack of
Americans present. Outside of the American Indian
Dancers and those students and staff members involved
in the program, the vast majority of persons attending
were foreign students and their families. The lack of
involvement by white American students, while not
unexpected, was still frustrating.
The second aspect, however, contributed to this
apathy. The organization of the event was not designed
to maximize student participation, but rather to give
those in charge a feeling of accomplishment. From the
planning meetings at which volunteers' concerns were
deftly sidestepped, to the program itself, where demon
strations and audience members were overtly manipulat
ed, it was clear that this was to be a "railroad job". So,
even though a few individuals may have gotten some
nice publicity, and there were several people present,
the festival missed its real mark - the American students.
My purpose in writing this is not merely to complain;
rather, it is my hope that in the future, campus organizat
ions such as UPC -East, etc., will become involved in this
or a similar project. Such organizations are more
concerned with results than with getting their names
publicized, and could help improve the program. This
is badly needed to broaden the views and expand the
horizons of many students.
Kelly Downing
senior, mechanized agriculture, soil science
The Nebraska Union and
East Union are now accepting
office space applications for
the academic year 1983-84.
Applications are available in Suite 220,
City Union, and the Administrative
office in the East Union. All recognized
student organizations are welcome to
apply for space.
The applications must be returned to
Suite 220, City Union, by 5:00 p.m.
Thursday, April 7, 1983, for your
organization to be considered. Any
questions should be directed to the
Operations Committee of the Nebraska
Union Board.
of the room like a whipped dog, wondering what to do
with my life. I hoped my inteniewer enjoed the session,
because I sure didn't.
Final score : Brian 0. Interview er 0.
Savo f.'cnoy
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