11/23/2004

Soccer Rage

Today in the San Francisco Chronicle C.W. Nevius's column is on the front page. It's about an incident that happened in Richmond, a town nearby. A soccer referee got walloped in the head by a coach. Apparently, the referee has worked my children's games:

On the Berkeley side, you have moms in folding chairs with coffee cups and a novel.

The world of soccer is a different place for Latino teams. This is so insanely complicated an issue. It brings up race, parenting, the whole shebang, and in a town where both race and parenting obsess us. It disgusts me that a coach for a kids' team would get violent. It's insane. On the other hand, I feel kind of embarrased at my smug assurance that I'm doing the right thing by not being involved in that competetive world. You should us Berkeley parents at the games. We cheer both sides, we shout "great job, Panther goalie" when the girl has just smacked back our daughter's best effort at making a goal all year. We are so careful to be even-tempered and uncompetitive. But the real truth is that on the few days when I manage to rouse myself from my paper and watch the game, what I really want to do is stamp the little blond Panther monster's head into the dirt with my daughter's cleats. My natural impulse is to shriek "KILL 'EM!" at the top of my lungs.
And at the same time I could not care less. My kids only play soccer because they insist on it. I refused for years to waste my Saturdays at the games. I don't even like to get dressed before noon. How can I be expected to be out on the field at 8? More to the point, I don't want my kids to be athletic. They are supposed to be brainy and nerdy, and completely unpopular. Shunned by the athletes in school. And there they are, strong and fit and running up and down the field. I don't understand it.
Well, at least I can comfort myself with the thought that they both SUCK at soccer.

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A very comforting thought indeed. If I can achieve nothing more than that for my son (currently only a 2yo) I will feel that I have succeeded. :)

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Large number of similar exposure units. Since insurance operates through pooling resources, the majority of insurance policies are provided for individual members of large classes, allowing insurers to benefit from the law of large numbers in which predicted losses are similar to the actual losses. Exceptions include Lloyd's of London, which is famous for insuring the life or health of actors, sports figures and other famous individuals. However, all exposures will have particular differences, which may lead to different premium rates.http://www.PayLessHealthinsurance.com
Definite loss. The loss takes place at a known time, in a known place, and from a known cause. The classic example is death of an insured person on a life insurance policy. Fire, automobile accidents, and worker injuries may all easily meet this criterion. Other types of losses may only be definite in theory. Occupational disease, for instance, may involve prolonged exposure to injurious conditions where no specific time, place or cause is identifiable. Ideally, the time, place and cause of a loss should be clear enough that a reasonable person, with sufficient information, could objectively verify all three elements.
Accidental loss. The event that constitutes the trigger of a claim should be fortuitous, or at least outside the control of the beneficiary of the insurance. The loss should be pure, in the sense that it results from an event for which there is only the opportunity for cost. Events that contain speculative elements, such as ordinary business risks or even purchasing a lottery ticket, are generally not considered insurable.
Large loss. The size of the loss must be meaningful from the perspective of the insured. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to reasonably assure that the insurer will be able to pay claims. For small losses these latter costs may be several times the size of the expected cost of losses. There is hardly any point in paying such costs unless the protection offered has real value to a buyer.
Affordable premium. If the likelihood of an insured event is so high, or the cost of the event so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that the insurance will be purchased, even if on offer. Further, as the accounting profession formally recognizes in financial accounting standards, the premium cannot be so large that there is not a reasonable chance of a significant loss to the insurer. If there is no such chance of loss, the transaction may have the form of insurance, but not the substance. (See the U.S. Financial Accounting Standards Board standard number 113)
Calculable loss. There are two elements that must be at least estimable, if not formally calculable: the probability of loss, and the attendant cost.
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February 25, 2011 at 2:32 AM  
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