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In Excel and Word 95 and prior editions a weak protection algorithm is used that converts a password to a 16-bit verifier and a 16-byte XOR obfuscation array [1] key. [4] Hacking software is now readily available to find a 16-byte key and decrypt the password-protected document. [5] Office 97, 2000, XP and 2003 use RC4 with 40 bits. [4]
Ultimate loss amounts are necessary for determining an insurance company's carried reserves. They are also useful for determining adequate insurance premiums, when loss experience is used as a rating factor [4] [5] [6] Loss development factors are used in all triangular methods of loss reserving, [7] such as the chain-ladder method.
Systems that use passwords for authentication must have some way to check any password entered to gain access. If the valid passwords are simply stored in a system file or database, an attacker who gains sufficient access to the system will obtain all user passwords, giving the attacker access to all accounts on the attacked system and possibly other systems where users employ the same or ...
For insurance, the loss ratio is the ratio of total losses incurred (paid and reserved) in claims plus adjustment expenses divided by the total premiums earned. [1] For example, if an insurance company pays $60 in claims for every $100 in collected premiums, then its loss ratio is 60% with a profit ratio/gross margin of 40% or $40.
Loss reserving is the calculation of the required reserves for a tranche of insurance business, [1] including outstanding claims reserves.. Typically, the claims reserves represent the money which should be held by the insurer so as to be able to meet all future claims arising from policies currently in force and policies written in the past.
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When audio files are to be processed, either by further compression or for editing, it is desirable to work from an unchanged original (uncompressed or losslessly compressed). Processing of a lossily compressed file for some purpose usually produces a final result inferior to the creation of the same compressed file from an uncompressed original.
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