1 “... discounted penalty function, both of which are useful in insurance risk management and in financial credit...”

2 Table of Contents: “...And Penalties; Contractual Terms and Conditions; Requirements of the Reply; Evaluation Process...”

3 Table of Contents: “...1.4.5 Volume V: Risk, Opportunity, Uncertainty and Other Random Models1.5 Final thoughts...”

4 Table of Contents: “..., and Cosmetic Act—Sections 331–337: Prohibited Acts and Penalties --...”