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Inducement of karst subsidence By far the most important karst subsidence process attributable to human activities occurs when lowering of the water table removes the buoyant support from the roofs of caves, which then collapse with subsequent void migration propagating upwards to form collapse dolines (e.g. Figure 8.1). Widespread triggering of collapse doline formation has been associated with the pumping of public water supply well elds. A notable example is the State of Florida, where major abstractions from the limestones of the Floridan Aquifer have been expanding since the 1930s. Over the years, it was realized that the resultant lowering of the water table was triggering the formation of many large collapse dolines (Sinclair 1982). As doline formation can be exacerbated by loading of the ground surface with buildings, and by the focusing of surface water drainage into small areas, doline collapse is further promoted by urban development. The value of properties damaged each year by doline collapse in Florida presently exceeds $30M. Given that the Floridan Aquifer supplies more than 95% of the water demand in this fastgrowing state, cessation of groundwater abstraction is not a feasible response to this problem (except in very localized circumstances). Rather, Florida State law simply requires all house owners to have suf cient insurance to cover their potential losses from subsidence. Large-scale pumping of aquifers to facilitate mining has been known to cause similar problems. The most classic case of this type occurred in South Africa in the 1970s in the aftermath of a major inrush in 1968 at West Driefontein

i = 1,2, ...

Just as we did for the simple linear regression case, we can derive four implications for the behavior of the response variable, y, as follows.

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Although the AAAP was quite successful in serving the needs of professional psychologists, the organization lasted only slightly more than seven years. Its demise had nothing to do with the service it was providing for the growing profession of psychology. With the United States at war in 1942, there was federal government pressure on the various psychological organizations to come together with one voice for the national good. Negotiations among several groups (including the Society for the Psychological Study of Social

<Meta><Type xmlns syncml:metinf >application/vnd. syncml-devinf xml</Type></Meta> <Item> <Source><LocURI>./devinf11</LocURI></Source> <Data> <!-- Device Capabilities exchange --> <DevInf xmlns syncml:devinf > <Man>My Phone</Man> <Mod>4119</Mod> ... <CTCap> <!-- Content Capabilities supported by mobile device --> <CTType>text/x-vcard</CTType> <PropName>BEGIN</PropName> <ValEnum>VCARD</ValEnum> <PropName>END</PropName> <ValEnum>VCARD</ValEnum> <PropName>VERSION</PropName> <ValEnum>2.1</ValEnum> <PropName>N</PropName> <PropName>TEL</PropName> <ParamName>VOICE</ParamName> <ParamName>CELL</ParamName> </CTCap> <SyncCap> <SyncType>01</SyncType> <!-- Type of Synchronization supported --> <SyncType>02</SyncType> <! 01,02 mean 2-WAY FAST and SLOW_SYNC --> </SyncCap> </DevInf> </Data> </Item> </Put> <Get> <!-- Requesting for server s content capabilities information --> <CmdID>3</CmdID> <Meta><Type xmlns syncml:metinf >application/ vnd.syncml-devinf xml</Type></Meta> <Item> <Target><LocURI>./devinf11</LocURI></Target> </Item> </Get> <Final/> </SyncBody> </SyncML> Figure 8.9 XML snippet of synchronization message with capabilities [11, Sec. 9.11].

So without this, we utilize a variety of techniques for identity management both active (asking customers for information) and passive (data veri cation against internal and third-party databases/name address phone, etc.). The goal is to optimize the risk/reward tradeoffs with customer experience and service. PayPal s fraud management system uses a risk-based, analyticdriven approach to manage authentication and veri cation. Most customers may not need additional or higher bar authentication but we do occasionally use tools such as SSN/DOB checks, nancial documents, and outbound phone calls if we nd that more authentication is needed. One of PayPal s early innovations in risk management was the use of veri cation. Our members are veri ed by adding bank account information to their PayPal account with the use of random deposit or an instant bank password veri cation service. A customer can also be veri ed by applying for one of our credit products, which allows us to run a full credit check. Veri cation in our system helps us lower risk and prevent fraud in our system. It also helps us manage costs because lower fraud rates allow us to pass cost savings to our members. As an additional bene t, our merchant customers can use the veri cation status with PayPal members as another risk variable in their own risk management programs. And allowing merchants to request less data at checkout increases their conversion rates. PayPal s veri cation system is a critical part of a larger management program. We will continue to manage risk in our system, and we encourage our merchants customers to also manage risk proactively on their side. Stamping out fraud is part of PayPal s DNA and a partnership with our members around the world.

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4. What was the major outcome of the Boulder Conference 5. What was the major outcome of the Vail Conference 6. What do the changes in health care have to do with clinical psychology 7. What theoretical orientations became popular between 1950 and 1980 8. Compare and contrast the behavioral, cognitive-behavioral, humanistic, and family systems approaches. 9. How did psychotropic medication revolutionize the field of clinical psychology during the 1950s 10. What does the biopsychosocial approach have to do with clinical psychology