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In the United States, AVS is the most common tool merchants reported using to help prevent fraud According to the CyberSource 2002 Merchant Fraud Survey, 71 percent of the merchants surveyed were using AVS, and in the 2008 survey they reported 81 percent were using it In general, merchants should anticipate the majority of their orders coming in as a full match plan on between 40 and 80 percent Visa EU reported in early 2003 that they were seeing a 75 percent full match rate with those merchants using the new AVS service Just because a merchant gets a response of partial match or no match does not indicate increased risk in accepting an order Remember, AVS is not a good indicator of fraud.

In case studies, the highest actual fraud losses for any one AVS response code was only 11 percent, meaning 89 percent of the orders were valid and good orders Some merchants will experience much higher fraud losses than this, but there are other rules and fraud-prediction tools that will better isolate fraudulent behavior without sacri cing sales conversion Likewise, getting a response from AVS of unavailable or international does not indicate increased risk either, with most merchants reporting the combined fraud losses for these two response codes being less than AVS full match Some businesses can and will experience a much higher incidence of international fraud than others This is especially true for digitally downloadable goods and services When evaluating how well AVS is doing for a merchant, don t become trapped by the percent of fraud for any one given AVS response value.

If you remember earlier in this discussion we pointed out that the highest percentage of orders will be AVS full match, so the highest concentration of dollars at risk will be there, and typically the smallest fraud percentage of loss will also be found on AVS full match This gives merchants a false sense of security that AVS full match doesn t need their attention on fraud prevention, when this is the greatest number of dollars at risk, and the easiest way to fool most merchants internal screening procedures..

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Mahajan et al. [17] presented a detailed account on the possible incentive techniques for multihop data forwarding and the problems expected when using game-theoretic methods for modeling and design. Speci cally, they pointed out the challenges in each of the following possible incentive schemes:

Entitled to break rules Others are patsies, wimps Others are exploitative Since I m special, I deserve special rules I m above the rules I m better than others People are there to serve or admire me They have no right to deny me my just deserts Others are unrewarding Relationships are messy, undesirable

It is remarkable that this line of research presents a less favorable picture of the postcareer than the studies about occupational development In the majority of studies, career termination is regarded as a critical life event, as a stressful situation (Sinclair & Orlick, 1994), or even as a complex interaction of stressors the effects of which may produce some form of distress in athletes (Taylor & Ogilvie, 2001a, p 684) Though career termination may result in distress for many athletes, at the same time there are great interindividual differences in the reactions to career transitions For example, in a study with former elite athletes, we found that only half confessed that career termination was a critical period in their life (Alfermann et al, 2004) When looking at intraindividual differences in reactions to career termination over a 12-month period, Stephan et al.

Osteoporosis Foundation (2001), 28 million Americans age 50 and older have osteoporosis or are at risk of developing the disease, which accounts for more than 1.5 million fractures annually. Additional research is needed to clarify rates according to ethnic-racial status. The risk factors for osteoporosis include being female, having a small frame, older age, and family history. Research also indicates that caffeine intake, alcohol intake, cigarette smoking, and lack of exercise can be associated with lower bone mass resulting in higher risk of fracture (KaplanMachlis & Bors, 2000). Prevention and treatment efforts often focus on decreasing the risk of fracture, but prevention efforts educating women about the importance of calcium intake in the prevention of osteoporosis may be the most productive in decreasing women s mortality. To be effective, prevention needs to begin at an early age for girls. Health psychologists may be able to assist with osteoporosis prevention through the development of effective national awareness programs for women and children.

Do one of the following: