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Publication of “Practice Problems in Advanced Topics in General Insurance” – ACTEX Study Guide by G. Stolyarov II

Publication of “Practice Problems in Advanced Topics in General Insurance” – ACTEX Study Guide by G. Stolyarov II

Practice Problems in Advanced Topics in General Insurance

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Written by Gennady Stolyarov II, ASA, ACAS, MAAA, CPCU, ARe, ARC, API, AIS, AIE, AIAF

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Published by ACTEX Publications
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1st Edition: Spring 2016

 

Students preparing for Society of Actuaries Exam GIADV: Advanced Topics in General Insurance will benefit from Mr. Stolyarov’s latest book, Practice Problems in Advanced Topics in General Insurance. Three options are available for purchase.

ACTEX GIADV Study Guide Cover
Hard-Copy/Electronic Bundle  https://www.actexmadriver.com/product.aspx?id=453107178
Hard Copy  https://www.actexmadriver.com/product.aspx?id=453107176
Electronic  https://www.actexmadriver.com/product.aspx?id=453107177

Comments from the Author: This book of practice problems is the most comprehensive culmination of my efforts to date, and I am pleased to have the opportunity to work with ACTEX Publications to bring all of these resources to candidates in one convenient compilation so that they will spend less time gathering problems from many separate sources. The Spring 2016 edition of this book is approximately 400 pages long and includes 613 practice problems and full solutions. 531 of the problems/solutions are original creations of mine.

This book is structured to align precisely with the five syllabus topics and eight syllabus papers (including the Lee paper, new on the Spring 2016 Exam GIADV syllabus) – each of which has a section of problems devoted to it. The following is a summary breakdown of what you will find:

  Problems by Source
Section (and Syllabus Paper) Original SOA CAS Total
1 (Mack) 21 5 5 31
2 (Venter) 22 4 5 31
3 (Clark LDF) 60 4 6 70
4 (Marshall et al.) 103 4 4 111
5 (Lee) 44 0 12 56
6 (Clark Reinsurance) 139 8 9 156
7 (D’Arcy / Dyer) 99 4 6 109
8 (Mango) 43 4 2 49
TOTAL 531 33 49 613

 

Each section presents all of the problems in succession, followed by the solutions at the end. You are encouraged to attempt each problem on your own and write down or type your solution, and then look at the answer key for step-by-step explanation and/or calculations. As this book is a learning tool, I have provided relevant citations from the syllabus readings for many of the practice problems. Also, I am not an advocate of leaving any problems as unexplained “exercises to the reader.” While each of these problems is intended to be an exercise for you, this book’s purpose is to show you how they can be solved as well – so give each of them your best attempt, but know that detailed answers are available for you to check your work and fill in any gaps that may have prevented you from solving a problem yourself.

Panel Discussion on Hereditary Religion – Nevada Transhumanist Party

Panel Discussion on Hereditary Religion – Nevada Transhumanist Party

The Nevada Transhumanist Party invited notable panelists to participate in a 2.5-hour conversation via Google Hangouts on Air, in order to discuss free thought and the prospects for children to be allowed the freedom to choose how (or whether) they will approach religion, instead of being compelled to follow the religious beliefs of their parents or the surrounding society.

This independent panel discussion was moderated by Mr. Stolyarov and occurred on Saturday, January 23, 2016, at 11 a.m. Pacific Time.

Each participant offered a unique, unfettered perspective on the subjects discussed. Panelists were asked to opine on the subject of how cultivating free thought and independent decision-making from a young age can result in children growing up to be more interested in advancing science and technology and solving the great problems of the human condition.

See the Constitution and Bylaws of the Nevada Transhumanist Party here. Of particular relevance are Sections XXIII and XXVI of the Nevada Transhumanist Party Platform:

Section XXIII: The Nevada Transhumanist Party supports the rights of children to exercise liberty in proportion to their rational faculties and capacity for autonomous judgment. In particular, the Nevada Transhumanist Party strongly opposes all forms of bullying, child abuse, and censorship of intellectual self-development by children and teenagers.

Section XXVI: The Nevada Transhumanist Party welcomes both religious and non-religious individuals who support life extension and emerging technologies. The Nevada Transhumanist Party recognizes that some religious individuals and interpretations may be receptive to technological progress and, if so, are valuable allies to the transhumanist movement. On the other hand, the Nevada Transhumanist Party is also opposed to any interpretation of a religious doctrine that results in the rejection of reason, censorship, violation of individual rights, suppression of technological advancement, and attempts to impose religious belief by force and/or by legal compulsion.

Panelists

Adam Alonzi is a writer, biotechnologist, documentary maker, futurist, inventor, programmer, and author of the novels “A Plank in Reason” and “Praying for Death: Mocking the Apocalypse”. He is an analyst for the Millennium Project, the Head Media Director for BioViva Sciences, and Editor-in-Chief of Radical Science News. Listen to his podcasts here. Read his blog here.

Troy Boyle is a comic-book artist, writer, and former president of The National Atheist Party (now the Secular Party of America), which he co-founded in March 2011. Troy has worked for Image Comics, Desperado Publishing, Caliber Press, and Boneyard Press. Some of Troy’s comic-book art is included in “Mysterious Visions Anthology”, “Ppfszt!”, “Tribute”, and “The Return of Happy the Clown”. He also provided artwork for David Gerrold’s comic “A Doctor For the Enterprise”. See his Wikipedia page here.

Roen Horn is a philosopher and lecturer on the importance of trying to live forever. He founded the Eternal Life Fan Club in 2012 to encourage fans of eternal life to start being more strategic with regard to this goal. To this end, one major focus of the club has been on life-extension techniques, everything from lengthening telomeres to avoiding risky behaviors. Currently, Roen’s work may be seen in the many memes, quotes, essays, and video blogs that he has created for those who are exploring their own thoughts on this, or who want to share and promote the same things. Like many other fans of eternal life, Roen is in love with life, and is very inspired by the world around him and wants to impart in others the same desire to discover all this world has to offer. Roen also runs the Facebook page “Gods are unproven hypothetical conjecture“.

B.J. Murphy is the Editor and Social Media Manager of Serious Wonder. He is a futurist, philosopher, activist, author and poet. B.J. is an Advisory Board Member for the NGO nonprofit Lifeboat Foundation and an Affiliate Scholar for the Institute for Ethics and Emerging Technologies (IEET). He’s done work as a Tech Adviser for both TV and short films and is currently an Ambassador for artificial intelligence tech. company Humai.

B.J. is a co-author of The Future of Business: Critical Insights Into a Rapidly Changing World From 60 Future Thinkers, his chapter being “The Future Business of Body Shops,” which explores how 3D printing, cybernetics, and biohacking will fundamentally change not only the business industry of the future, but subsequently the human biological substrate itself.

Demian Zivkovic is the president of the Institute of Exponential Sciences (Facebook / Meetup) – an international technopositive think tank / education institute comprised of a group of transhumanism-oriented scientists, professionals, students, journalists, and entrepreneurs interested in the interdisciplinary approach to advancing exponential technologies and promoting techno-positive thought. He is also an entrepreneur and student of artificial intelligence and innovation sciences and management at the University of Utrecht.

Demian and the IES have been involved in several endeavors, such as organizing lectures on exponential sciences, interviewing experts such as Aubrey de Grey, joining several of Mr. Stolyarov’s futurism panels, and spreading Death is Wrong – Mr. Stolyarov’s illustrated children’s book on indefinite life extension – in The Netherlands.

Demian Zivkovic is a strong proponent of healthy life extension and cognitive augmentation. His interests include hyperreality, morphological freedom advocacy, postgenderism, and hypermodernism. He is currently working on his ambition of raising enough capital to make a real difference in life extension and transhumanist thought.

Panel-on-Hereditary-Religion-NTP

“A Morte é um Erro” – Portuguese Translation of “Death is Wrong” – Translated by Eric Pedro Alvaro – Post by G. Stolyarov II

“A Morte é um Erro” – Portuguese Translation of “Death is Wrong” – Translated by Eric Pedro Alvaro – Post by G. Stolyarov II

The New Renaissance Hat
G. Stolyarov II
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A free PDF version of A Morte é um Erro – the Portuguese translation of Death is Wrong – is now available for download from The Rational Argumentator. You can obtain your copy here and may spread it to Portuguese-speaking audiences as widely as you wish.

A Morte é um Erro was generously translated into Portuguese by Eric Pedro Alvaro.

Death_is_Wrong_Portuguese_CoverPaperback copies of A Morte é um Erro can be purchased in the following venues:

Createspace

Amazon

Kindle copies of A Morte é um Erro can be purchased on Amazon for $0.99.

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Se você já se perguntou, “Por que as pessoas morrem?” então este livro é para você. A resposta é que não, a morte não é necessária, inevitável ou boa. Na verdade, a morte é um erro. A morte é uma inimiga de todos nós, que deve ser combatida com ciência, medicina e tecnologia. Este livro lhe apresenta os maiores, mais desafiantes e mais revolucionários movimentos para prolongar radicalmente o tempo de vida humano, para que você então simplesmente não precise morrer.

Você aprenderá sobre algumas plantas e animais com um tempo de vida incrivelmente longo, sobre recentes descobertas científicas em relação a ampliação do tempo de vida em humanos, e sobre simples e poderosos argumentos que podem refutar as comuns desculpas para a morte. Se você alguma vez já pensou que a morte é injusta e que ela deve ser derrotada, você não está sozinho. Leia este livro, e se torne parte desta importante busca na história da humanidade.

Este livro foi escrito pelo filósofo e futurólogo Gennady Stolyarov II e ilustrado pela artista Wendy Stolyarov. Com o intuito de lhe mostrar que, não importa quem é você e o que você pode fazer, sempre há uma forma de ajudar humanidade em sua batalha contra morte.

Refuting Ayn Rand’s “Immortal Robot” Argument – Article by G. Stolyarov II

Refuting Ayn Rand’s “Immortal Robot” Argument – Article by G. Stolyarov II

The New Renaissance HatG. Stolyarov II

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Here I refute an argument that has been leveled against proponents of indefinite human longevity from a surprising direction – those sympathetic to the Objectivist philosophy of Ayn Rand. Some advocates of Ayn Rand’s philosophy believe that indefinite life would turn human beings into “immortal, indestructible robots” that, according to Ayn Rand, would have no genuine values. Both of these claims are false. Indefinite life would not turn humans into indestructible robots, nor would an indestructible robot with human abilities lack values or motivation for doing great things. In Ayn Rand’s own words, “Achieving life is not the equivalent of avoiding death.” (John Galt’s speech in For the New Intellectual, p. 135)

Rand’s “immortal robot” argument is found in “The Objectivist Ethics” (The Virtue of Selfishness, p. 15): “To make this point fully clear, try to imagine an immortal, indestructible robot, an entity which moves and acts, but which cannot be affected by anything, which cannot be changed in any respect, which cannot be damaged, injured or destroyed. Such an entity would not be able to have any values; it would have nothing to gain or to lose; it could not regard anything as for or against it, as serving or threatening its welfare, as fulfilling or frustrating its interests. It could have no interests and no goals.”

The “immortal robot” argument needs to be challenged because it originates from Ayn Rand, who otherwise espouses numerous rational ideas. I myself agree with most of the fundamental principles that Ayn Rand advocates. However, in some of her particular reasoning – at least, if applied to the wrong context – she can be off-target in such a way as to retard further progress. The often-leveled argument, derived by contemporary non-transhumanist Objectivists from the above-quoted passage, is that achieving indefinite longevity would turn human beings into Ayn Rand’s description of the “immortal, indestructible robot”.

In responding to Rand’s argument, several points can be made in relation to prolonging human life indefinitely and lifting the death sentence that hangs over all of us. First, at no point in time will human beings become the “immortal, indestructible robots” that Ayn Rand describes. The simple reason for this is that our existence is physical and contingent on certain physical prerequisites being fulfilled. The moment one of these physical prerequisites is lacking, our existence ceases. This will always be the case, even if we no longer have a necessary upper limit on our lifespans. For instance, biomedical advances that would greatly expand human lifespans – allowing periodic reversions to a more youthful biological state and therefore the possibility of an indefinite existence – would not turn humans into indestructible robots. There would still be the need to actively turn back biological processes of decay, and the active choice to pursue such treatments or not. People who live longer by successfully combating senescence could still get run over by a car or experience a plane crash. They would retain potential vulnerability to certain perils – such as death from accidents – although, as I have explained in “Life Extension and Risk Aversion”, they may be more diligent in seeking to greatly reduce the probability of such outcomes. If it is ever the case that death by senescence and the myriad diseases which kill many human beings today can be averted, then human beings will try to avert the other possibilities of death – for instance, by developing safer modes of transportation or engaging in fewer wars.

It is possible to significantly reduce the likelihood that one can be destroyed, without ever eliminating the theoretical potential of such destruction. Furthermore, because human beings have free will, they always have at least the hypothetical option of choosing to undermine the physical prerequisites of their own lives. In my view, no sane, rational being would actually choose to pursue that option, but the option is there nonetheless. For anybody who seeks to commit suicide by immediate or gradual means, or by refusing to take advantage of life-prolonging techniques once they become available, there is virtually nothing in the world that could prevent this, apart from rational persuasion (which may or may not be successful).

Even with indefinite longevity, human beings will always be vulnerable to some actual or hypothetical perils or poor choices. Moreover, when we manage to avoid one kind of peril, other kinds of perils may become more pressing as they come into the frame of awareness of longer-lived beings. If we do manage to live for hundreds of thousands of years, we will be far more subject to long-term geological changes and fluctuations of the Earth’s climate, such as the cycle of ice ages, whereas today humans do not live long enough to experience these massive shifts. Most of us today do not worry about the consequences of huge glaciers advancing over the continents, but humans who live for millennia will see this as a pressing problem for their own lifetimes. Likewise, the longer we live, the greater the likelihood that we will experience a global cataclysm, such as a supervolcano or an asteroid hitting the Earth. Human ingenuity and resources would need to be devoted toward confronting and even preventing these perils – a highly desirable outcome in general, since the perils exist irrespective of our individual lifespans, but most humans currently lack the long-term vision or orientation to combat them.

Moreover, the need to reject the “immortal robot” argument when discussing indefinite life extension does not stem solely from a desire to achieve philosophical correctness. Rather, we should recognize the potential for actually achieving meaningful, unprecedented longevity increases within our own lifetimes. For instance, the SENS Research Foundation is a nonprofit biogerontological research organization whose founder, Dr. Aubrey de Grey, has outlined an engineering-based approach to reversing the seven principal types of damage that accumulate in the human body with age. (SENS stands for “Strategies for Engineered Negligible Senescence”.) Dr. de Grey has stated that, with proper funding, there is approximately a 50 percent probability of these rejuvenation treatments being developed 20-25 years from now. (The 20-year figure is presented in this transcript from a recent NPR interview of Aubrey de Grey – quoted in “Discussing Science and Aging: Aubrey de Grey and Cynthia Kenyon at NPR” by Reason at FightAging.org.) The SENS Research Foundation is not the only entity pursuing radical life extension. Major commercial efforts toward research into reversing biological aging – such as Calico, created and funded by Google (now Alphabet, Inc.) – have been launched already. Thus, it is premature to conclude that death is a certainty for those who are alive today. Medical advances on the horizon could indeed turn many humans into beings who are still potentially vulnerable to death, but no longer subject to any upper limit on their lifespans.

It is therefore ill-advised to pin any ethical justifications for the ultimate value of human life to the current contingent situation, where it just so happens that human lifespans are finite because we have not achieved the level of technological advancement to overcome senescence yet. If such advances are achieved, common interpretations of the “immortal robot” argument and its derivative claims would suggest that life for human beings would transform from an ultimate value to some lesser value or to no value at all. This implication reveals a flaw in arguments that rely on the finitude of life and the inevitability of death. How is it that, by making life longer, healthier, and of higher quality (with less suffering due to the diseases of old age), humans would, in so doing, deprive life of its status as an ultimate value? If life is improved, it does not thereby lose a moral status that it previously possessed.

Yet another important recognition is that some animals have already attained negligible senescence. Their lifespans are de facto finite, but without a necessary upper limit. Suppose that evolution had taken a different course and rational beings had descended from tortoises rather than from primates. Then these rational beings would have negligible senescence without the need for medical intervention to achieve it. Would their lives thereby lack a type of value which the proponents of the “immortal robot” argument attribute to human lives today? Again, a conclusion of this sort illustrates a flaw in the underlying argument.

But suppose that a true immortal, indestructible robot could exist and be identical to human beings in every other respect. It would possess human biological processes and ways of thinking but be made of extremely strong materials that did not deteriorate or that automatically renewed themselves so as to rapidly, automatically repair any injury. Ayn Rand’s argument would still be mistaken. Even if death were not a possibility for such a being, it could still pursue and enjoy art, music, inventions, games – any activity that is appealing from the perspective of the senses, the intellect, or the general civilizing project of transforming chaos into order and transforming simpler orders into more complex ones.

The fear of death is not the sole motivator for human actions by far. Indeed, most great human accomplishments are a result of positive, not negative motivations. Rand acknowledged this when she wrote that “Achieving life is not the equivalent of avoiding death.” At least in the short term, you do not need to do much to avoid death. You could just sit there, stay out of trouble, eat, drink, keep warm, sleep – and you survive to the next day. But that is not a full life, according to Rand. Obviously, one needs to avoid death to have a full life. Survival is necessary, but it is not sufficient. Many thinkers sympathetic to the Objectivist school, such as Edward Younkins, Tara Smith, Douglas Den Uyl, Douglas Rasmussen, Tibor Machan, George Reisman, and Lester Hunt, have extended this insight to conclude that survival is not enough; one should also pursue flourishing. (Younkins provides an excellent overview of this perspective in “Flourishing and Happiness in a Nutshell”.)

I concur fully with the goal of flourishing and recognize the existence of numerous positive motivations besides mere survival. For example, the desire to see oneself create something, to witness a product of one’s mind become embodied in the physical reality, is a powerful motivation indeed. One can furthermore seek to take esthetic pleasure from a particular object or activity. This does not require even a thought of death. Moreover, to appreciate certain kinds of patterns in existence, which are present in art, in technology, and even in games, does not require any thought of death. Many people play games, even if those games do not contribute anything to their survival. This does not mean, however, that doing so is irrational; rather, it is another creative way to channel the activities of the human mind. Via games, the human mind essentially creates its own field of endeavor, a rule system within which it operates. By operating within that rule system, the mind exercises its full potential, whereas just by sitting there and only doing what is absolutely necessary to survive, the mind would have missed some essential part of its functioning.

Creating art and music, undertaking scientific discoveries, envisioning new worlds – actual and fictional – does not rely on having to die in the future. None of these activities even rely on the threat of death. The immortal, indestructible robot, of course, might not engage in precisely the same activities as we do today. It would probably not need to worry about earning its next meal by working for somebody else, but it could still paint a painting, just because it would like to see its mental processes – in this scenario, processes greatly resembling our own – have some kind of external consequence and embodiment in the external reality. Such external embodiment is a vital component of flourishing.

Fear of death is not the sole motivator for human action, nor the sole prerequisite for value, as Ayn Rand acknowledged. There is more to life than that. Life is not merely about survival and should be about the pursuit of individual flourishing as well. Survival is a necessary prerequisite, but, once it is achieved, an individual is free to pursue higher-order values, such as self-actualization. The individual would only be further empowered in the quest for flourishing and self-actualization in a hypothetical environment where no threats to survival existed.

While we will never be true immortal robots, such immortal robots could nonetheless flourish and truly achieve life. As a result, the “immortal robot” argument fails on multiple counts and is not a valid challenge to indefinite life extension.

This essay may be freely reproduced using the Creative Commons Attribution Share-Alike International 4.0 License, which requires that credit be given to the author, G. Stolyarov II. Find out about Mr. Stolyarov here.

A Monument to French and Western Civilization – Art by G. Stolyarov II

A Monument to French and Western Civilization – Art by G. Stolyarov II

The New Renaissance HatG. Stolyarov II
November 21, 2015

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This monument was constructed using the computer game Minecraft to celebrate the cultural achievements of the French civilization and its contributions to Western civilization more generally, as well as to express solidarity with the people of France as they confront the savage menace of militant Islamist fundamentalism terrorism, and to commemorate the hundreds of innocent victims of militant ISIS barbarism. The culture of France has been integral in giving rise to the Age of Enlightenment and innumerable advances in science, art, architecture, music, and literature. This monument calls for a more assertive expression of the values that elevated mankind out of barbarism – an unapologetic embrace and defense of the distinctive ethos of Western civilization, which should become a global civilization with the collaboration of all decent people everywhere.

The monument’s stone and glass are colored with the blue, white, and red of the French flag. The structure is open to the air through three tiers of golden arches. On the inside there is only one floor and a vast chamber rising toward the sky. The viewer’s attention is directed upward, much like in a cathedral, except there is only one focal point – representing the upward aspiration of a worldview that embraces progress and meteoric improvement in the human condition.

This structure was created within the Imperial City map in Minecraft, a collaborative project coordinated by user Rigolo and freely downloadable here.

Left-click for a full-image view of each screenshot. Right-click to download the image.

Stolyarov_French_Monument_11Stolyarov_French_Monument_12Stolyarov_French_Monument_10Stolyarov_French_Monument_9Stolyarov_French_Monument_5Stolyarov_French_Monument_7Stolyarov_French_Monument_6Stolyarov_French_Monument_8Stolyarov_French_Monument_4Stolyarov_French_Monument_2Stolyarov_French_Monument_3Stolyarov_French_Monument_1The images on this page may be freely reproduced using the Creative Commons Attribution Share-Alike International 4.0 License, which requires that credit be given to the author, G. Stolyarov II. Find out about Mr. Stolyarov here.

A Multifaceted Strategy to Defeat ISIS – Article by G. Stolyarov II

A Multifaceted Strategy to Defeat ISIS – Article by G. Stolyarov II

The New Renaissance HatG. Stolyarov II
November 15, 2015
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The recent slaughters of hundreds of innocent civilians in Paris, in Ankara, in Beirut, and aboard the Russian Metrojet Flight 9268 illustrate without a shadow of doubt that the threat from the barbaric sect known as ISIS, ISIL, Daesh, and the Islamic State cannot be contained within the Middle East. ISIS is an enemy of humanity, decency, and Western civilization. It will continue killing completely peaceful civilians of Western nations, both in their home countries and abroad, in gruesome ways. ISIS is a cancer upon humanity, and it will continue to metastasize and inflict damage until it is either eradicated or until it completely kills its host. Like cancer, ISIS cannot coexist with a healthy humankind. This cancerous “Islamic State” should be eradicated using the resources of any willing parties.

Now is the time to put aside petty rivalries, animosities, and power politics among advanced nations. All of Western civilization – indeed, the entire world – needs to stand with the people of France and recoil at the atrocities perpetrated against the victims of the Paris attacks of November 13, 2015. There can be no excuses and no apologies for the perpetrators. Anti-modern fundamentalist savagery must be condemned, and the innocent should be mourned. Western civilization needs to send a unified signal that it will have no tolerance for murderous intolerance.

eiffel-tower-303341_1280A concerted, multifaceted strategy is needed to eliminate ISIS while preserving the Enlightenment values which ISIS threatens: liberty, humanism, secularism, tolerance, and progress. No single measure will succeed in solving this dire problem, but a combination of approaches can dramatically reverse the current predicament of Western civilization suffering setback after setback due to the rampages of a relatively small group of barbarians. The representatives of Western civilization should mount a decisive, unapologetic response that not only physically destroys ISIS but also eliminates the societal, economic, and cultural preconditions for its emergence.

If I had the ability to set the United States’ policy for eliminating the ISIS menace, I would institute the measures described below as expeditiously as possible. I estimate that, within approximately one year of the implementation of these measures, ISIS would be completely destroyed, and the probability of any successor organizations emerging would be rendered negligible through the continued application of these approaches.

(1) Setting Aside Foreign-Policy Differences: ISIS threatens everyone – citizens of France, Russia, Turkey, Iran, and the United States, to name just a few. Now is the time to pursue complete cooperation among the governments of countries which have a compelling interest to eradicate ISIS. To achieve such cooperation, the United States government should send a strong signal that all other foreign-policy differences are relatively unimportant and will be overlooked. For instance, with regard to Russia, the United States should openly renounce all strategic ambitions in Ukraine and all intentions to depose the Syrian regime of Bashar al-Assad. The cessation of the demonization of Russia over the Ukrainian civil war (where there is truly no good side) would serve as a major sign to Vladimir Putin of the United States’ goodwill and desire to collaborate on a true existential threat to Western civilization. As for Assad, he – for all of his despicably dictatorial behavior – is an enemy of ISIS, and ISIS would not have emerged had the United States not previously funneled weapons and training to anti-Assad rebels, who either were quickly overwhelmed by the more ruthless ISIS or themselves joined ISIS. For ISIS to be eradicated, Syria’s civil war must end, and peace and order must be restored. Assad may be a dictator, but he does not instigate hostage-takings and mass murders in European cities. Likewise, the United States government should welcome support from Iran in combating the ISIS presence within Iraq. ISIS is a fanatically intolerant Sunni Muslim sect that poses as much of a threat to the Shiite Muslim theocracy of Iran as it does to non-Muslim “infidel” Westerners. A collaborative effort to defeat ISIS would also help to defuse tensions between the United States and Iran by demonstrating to the Iranian regime that the United States does not have imminent intentions to “preemptively” attack Iran out of the (largely unfounded) fear of the continued development of Iran’s nuclear program.

2000px-France_Flag_Map.svg(2) Targeted Multinational Expeditionary Force: It is possible that France will invoke Article 5 of the North Atlantic Treaty, which pledges other members of NATO to come to its defense as a result of the attack by ISIS against French civilians on French soil. While I question the wisdom of the continuation of the NATO arrangement generally, it may be useful for achieving a coordinated response to the ISIS threat in particular. Furthermore, all willing non-NATO powers, including Russia and China, should be invited to take part in the response. ISIS has murdered citizens of the United States, the United Kingdom, Japan, France, Turkey, Russia, and many other countries. Every country can claim with some justification that ISIS is waging war upon its people.

The key for a successful international response against ISIS is to target the response against the actual, known members of ISIS and to minimize damage to innocent civilians. Instead of indiscriminate aerial bombing campaigns or conventional military offensives, a far superior tactic would be to assemble multinational teams of highly trained commandos who would infiltrate key ISIS bases and assassinate the leaders of ISIS, while also sabotaging ISIS’s logistical systems and preventing ISIS from obtaining weaponry and other materiel required for continuing military operations. No civilians should be caught in the crossfire. Instead, the multinational commando teams should actively recruit local residents, who are suffering under the yoke of ISIS in Syria and Iraq, into auxiliary roles. The support of locals could assist with obtaining more reliable on-the-ground intelligence and also in building goodwill for the ouster of ISIS from the communities it currently terrorizes.

While this expeditionary force should be completely friendly to local civilians, it should be completely merciless toward any ISIS fighters. Anyone who has fought and killed on ISIS’s behalf has renounced his right to life by depriving others of their lives in horrific ways. The expeditionary force should be authorized to execute confirmed ISIS fighters, but not to torture or humiliate them. This restraint from savage behavior would illustrate the stark moral contrast between the West and ISIS. ISIS has engaged in outrageous acts of perversion – essentially committing every type of violation of human beings imaginable. The West needs to show that its representatives will only use deadly violence in retaliation and only against those who initiated its use – and even then in a surgical, professional manner necessary to eliminate the threat but to go no further. Moreover, anyone who provides physical support to ISIS but does not directly perpetrate violence, should be arrested and subjected to an on-the-ground military tribunal aimed at procuring a swift determination of guilt or innocence and a proportional punishment in the event of guilt – instead of the prolonged limbo that has characterized American detention facilities of terrorism suspects in the past.

(3) Replacing Bombs with Information: The drone killings perpetrated by the Obama administration during this decade have inflamed the ire of anti-Western militants and have radicalized large segments of the Middle East in reaction to indiscriminate killings of civilians via “signature strikes” that presuppose that any men in their prime are terrorist militants. The problem is not with the drone technology, but rather with the payload that it carries. If bombs and missiles are replaced with informational leaflets, USB drives, and small samples of the material abundance of Western civilization, then this more benevolent use of drones can help convince Middle Eastern residents that ISIS is the path toward suffering, whereas embracing modernity and Western values would be the path toward universal prosperity and happiness. The more Middle Eastern residents find out about Western technologies, philosophies, and opportunities made available within a free, tolerant, hyper-pluralistic society, the less inclined they will be to embrace a Dark-Age mentality of brutally enforced homogeneity.

(4) Elimination of Indiscriminate Surveillance; Escalation of Targeted Surveillance: The indiscriminate electronic surveillance perpetrated by Western governments – particularly those of the United States and the United Kingdom – against their own populations, has clearly not helped to prevent murderous terrorist attacks. Instead, surveilling everyone not only grossly violates individual liberty, but also dissipates the limited resources that could more effectively be prioritized toward known troublemakers. All mass surveillance should cease, but efforts at sophisticated, targeted surveillance of individual terrorism suspects should be escalated. The surveillance itself can be sufficiently surgical as to be non-intrusive to the daily lives of those being surveilled, as long as no imminent threat exists, but should enable a swift response if any plans to do harm are discovered. Surveillance should be focused exclusively on the following categories of individuals: (1) those known to have organizational ties with ISIS, al-Qaeda, or other Islamist terrorist groups; (2) those who, in any medium, espouse militant Islamic fundamentalist views, including anyone who asserts that it is acceptable to kill in the name of Islam; and/or (3) those who originate from majority-Muslim countries and have violent criminal records. This targeted surveillance would not constitute racial or religious profiling, since all peaceful and respectable Muslims (those whose views are compatible with modern Western civilization), as well as peaceful non-Muslim emigrants from majority-Muslim countries, would be spared any surveillance. However, any Islamic fundamentalist who believes in the acceptability of religiously motivated killings, as well as any person connected to the terrorist organizations or known to have committed violent crime that might have any relation to Islamist convictions or influences, should be subjected to additional scrutiny to enable the development of an accurate and comprehensive understanding of the sources of risk facing the Western world. Most importantly, it is time to jettison the political correctness that subjects any non-Muslims to this preemptive surveillance. The threat is one of Islamic fundamentalist terrorism. Non-Muslims are not part of the threat by definition and could not possibly be allies or associates of ISIS. Emphatically, this is not to say that all Muslims are part of the threat; rather, it is simply to recognize that surveilling non-Muslims is a waste of resources as well as a hyper-intrusive violation of the liberties of completely innocent people. The following diagram illustrates the simple insight that could channel limited surveillance capabilities toward detecting actual threats.

Diagram of Possible Sources of Threats of Islamist Terrorism

Surveillance_Threat_Diagram(5) Technological and Economic Transformation of the Middle East through Innovation and Freedom of Exchange: Organizations like ISIS are only able to emerge in a deeply backward cultural, societal, and economic environment, where the embrace of violent, totalitarian seventh-century dogmas could appear even remotely attractive to an uneducated populace with miserable future prospects. Only by a fundamental modernizing, Westernizing transformation can the Middle East escape its current status as a fertile breeding ground for violent fundamentalist criminals. Only by seeing the West as a source of enlightenment and economic prosperity can the populations of the Middle East cease viewing ISIS and similar groups as bulwarks against a perceived Western threat. Therefore, Western governments should lift all political barriers to the free flow of goods and ideas between Western and Middle Eastern countries. All sanctions, embargoes, tariffs, and quotas should be abolished, and the way cleared for the import of technologies and products, as well as the establishment of major branches of Western companies in Middle Eastern countries. In particular, emerging technologies that have the potential to vastly alleviate material scarcity should be encouraged. Biotechnology, including genetic modification, is particularly promising in this respect. As futurist B.J. Murphy pointed out, in response to my analogy between ISIS and cancer, “Like cancer, [which] lately we’ve been using gene editing techniques to finally start punching holes into its existence, maybe we’ll begin using those same techniques to effectively combat against ISIS – genetically modified soldiers to fight, genetically modified crops to combat hunger and malnutrition, and a genetically modified ecosystem to combat poverty.” In a strategy that would constitute the opposite of erecting trade barriers, Western governments should become agents of economic liberalization. They should actively pressure Middle Eastern regimes to accept the importation of genetically modified crops and to amend local laws to permit cutting-edge biotechnological research and experimentation. As a pathway toward economic prosperity, majority-Muslim Middle Eastern nations should emulate an outlier in their region – Israel. Despite its relatively tiny size and the near-constant hostilities in its vicinity, Israel has prospered through the tremendous innovativeness and technological capital of its people. It is an example of how to thrive by cultivating an advanced, technologically oriented economy.

(6) Preserving Individual Liberty at Home: The multifaceted efforts to eradicate ISIS should have absolutely no effect on the freedoms and opportunities available to Americans and other residents of Western nations. It is necessary to decisively illustrate just how unlike the totalitarian ideal of ISIS the Western world is. If those who claim that the Islamist fanatics “hate us for our freedoms” have a grain of truth to their statement, then it is all the more imperative to proudly assert those freedoms, instead of suppressing them in the name of “security” or avoiding offense. Western governments should explicitly reaffirm the protection of free speech and the absolute freedom of individuals to engage in anti-religious expression. The US Congress should pass a resolution strongly supporting the right of any individual to “blaspheme” against any religion, for any reason – justified or not. All blasphemy laws in all Western countries should be repealed, and all politicians should take an explicit stand in favor of tolerance for “blasphemous” speech, no matter whom it might offend. As with the shift from mass to targeted surveillance, all screenings at airports, border crossings, and other mass-transit locations should focus away from the general population and toward Islamist fundamentalist fanatics and likely terror suspects. As a result of this refocusing of resources, for every single suspected Islamist plot, a team of police and intelligence experts should be constantly aware of the status of the threat and prepared to launch a sophisticated response with minimal or no disruption to the general public. Everyone else should be enabled to lead peaceful, dignified lives where the government does not violate the physical bodies or private information of the innocent – similar to the situation for most people in Western countries during the late 1990s.

A successful campaign to defeat ISIS would need to achieve a short-term goal and a long-term goal. The short-term goal – the physical eradication of ISIS – can be accomplished within a year if major world powers set aside their foreign-policy differences and deploy a merciless but scrupulously moral expeditionary force, combined with a powerful informational campaign that transforms tools of destruction into vehicles of Enlightenment. The long-term goal is the modernization and Westernization of the Middle East – the emergence of widespread economic prosperity and major technologically driven uplifting of living standards. The secularization of Middle Eastern governments and the development of more tolerant, enlightened variants of Islamic theology – akin to the transformation of Christianity during the 18th-century Enlightenment in the West – should also be encouraged. To achieve this long-term goal, Western civilization must stand proud once more and cease apologizing for its technological, economic, and cultural superiority to the contemporary Middle East. As beneficial side effects of the struggle against ISIS, the Western world might rediscover the values of the Enlightenment that have been so vital to its progress to date – and reapply and disseminate these universally desirable values in a more potent, assertive form. Furthermore, standing united against ISIS will help avoid needless hostilities among the United States, Russia, China, and Iran and thereby strengthen the prospect for peaceful coexistence among all who value it.

This essay may be freely reproduced using the Creative Commons Attribution Share-Alike International 4.0 License, which requires that credit be given to the author, G. Stolyarov II. Find out about Mr. Stolyarov here.

Benjamin Franklin: Pioneer of Insurance in North America – Video Presentation by G. Stolyarov II

Benjamin Franklin: Pioneer of Insurance in North America – Video Presentation by G. Stolyarov II

The New Renaissance HatG. Stolyarov II
November 6, 2015
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Mr. Stolyarov discusses Benjamin Franklin’s multifaceted contributions to combating the threat of fire, including the founding of the first fire insurance company in North America – The Philadelphia Contributorship for the Insuring of Houses from Loss by Fire.

This presentation was originally prepared for and delivered at the October 26, 2015, educational meeting of the Sierra Nevada Chapter of the CPCU Society. This video and enhanced slideshow are a slightly expanded version of that presentation.

The slides can be downloaded in PowerPoint format  and PDF format.

Portrait of Benjamin Franklin by David Martin (1767)
Portrait of Benjamin Franklin by David Martin (1767)
Lifespan Challenge: Support the MitoSENS Mitochondrial Repair Project Research Fundraiser – Video by G. Stolyarov II

Lifespan Challenge: Support the MitoSENS Mitochondrial Repair Project Research Fundraiser – Video by G. Stolyarov II

The New Renaissance HatG. Stolyarov II
October 21, 2015
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Mr. Stolyarov, author of “Death is Wrong” and Chief Executive of the Nevada Transhumanist Party (NTP), challenges all members of the NTP and the general public to donate to life-extension research – particularly, the ongoing MitoSENS Mitochondrial Repair Project for which crowdfunding is currently being conducted on Lifespan.io.

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Platform Adoption Statement #1 of the Nevada Transhumanist Party: Religious and Non-Religious Doctrines, Beneficial and Detrimental Technologies, and Voting in Accordance with Individual Conscience

Platform Adoption Statement #1 of the Nevada Transhumanist Party: Religious and Non-Religious Doctrines, Beneficial and Detrimental Technologies, and Voting in Accordance with Individual Conscience

The New Renaissance HatG. Stolyarov II
October 4, 2015
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NTP-Logo-9-1-2015

The following sections are hereby added to the Nevada Transhumanist Party Platform. Pursuant to Article I, Section XXV, these sections are not officially considered part of the Nevada Transhumanist Party Constitution at this time, but shall have equivalent standing to the Platform Sections within that Constitution. It will be possible to officially amend the Nevada Transhumanist Party Constitution to include these statements during periodic biennial filings of Certificates of Continued Existence with the Nevada Secretary of State.

Section XXVI: The Nevada Transhumanist Party welcomes both religious and non-religious individuals who support life extension and emerging technologies. The Nevada Transhumanist Party recognizes that some religious individuals and interpretations may be receptive to technological progress and, if so, are valuable allies to the transhumanist movement. On the other hand, the Nevada Transhumanist Party is also opposed to any interpretation of a religious doctrine that results in the rejection of reason, censorship, violation of individual rights, suppression of technological advancement, and attempts to impose religious belief by force and/or by legal compulsion.

Section XXVII: The Nevada Transhumanist Party is furthermore opposed to any interpretation of a secular, non-religious doctrine that results in the rejection of reason, censorship, violation of individual rights, suppression of technological advancement, and attempts to impose certain beliefs by force and/or by legal compulsion. Examples of such doctrines opposed by the Nevada Transhumanist Party include Stalinism, Maoism, Neo-Malthusianism, the death-acceptance movement, and the doctrine of censorship, now prevalent on many college campuses in the United States, in the name of “social justice”, combatting “triggers” or “microaggressions”, or avoiding subjectively perceived offense.

Section XXVIII: The Nevada Transhumanist Party holds that the vast majority of technologies are beneficial to human well-being and should be enthusiastically advocated for and developed further. However, a minority of technologies could be detrimental to human well-being and, as such, their application, when it results in detrimental consequences, should be opposed. Examples of such detrimental technologies include nuclear, chemical, and biological weapons, mass-surveillance systems such as those deployed by the National Security Agency in the United States, and backscatter X-ray full-body scanners such as those used by the Transportation Security Administration in the United States. Furthermore, the Nevada Transhumanist Party is opposed to the deliberate engineering of new active pathogens or the resurrection of once-existing pathogens, whose spread might not be able to be contained within laboratory settings. While it is impossible to un-learn the knowledge utilized in the creation of such technologies, the Nevada Transhumanist Party holds that all such knowledge should only be devoted toward peaceful, life-affirming, rights-respecting purposes, going forward.

Section XXIX: The Nevada Transhumanist Party holds that each of its members should vote or abstain from voting in accordance with that member’s own individual conscience and judgment. If an official or candidate of the United States Transhumanist Party or the Nevada Transhumanist Party expresses a preference for any particular non-transhumanist candidate for office, then no national or State-level Transhumanist Party, nor any individual transhumanist, ought to be in any manner bound to support that same non-transhumanist candidate.

Adopted on October 4, 2015:

Mr. Gennady Stolyarov II, ASA, ACAS, MAAA, CPCU, ARe, ARC, API, AIS, AIE, AIAF

Chief Executive, Nevada Transhumanist Party

How Can Life Extension Become as Popular as the War on Cancer? – MILE Panel

How Can Life Extension Become as Popular as the War on Cancer? – MILE Panel

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What can be done to raise public support for the pursuit of indefinite life extension through medicine and biotechnology to the same level as currently exists for disease-specific research efforts aimed at cancers, heart disease, ALS, and similar large-scale nemeses?

In this panel discussion, which occurred on October 1, 2015 – International Longevity Day – Mr. Stolyarov asks notable life-extension supporters to provide input on this vital question and related areas relevant to accelerating the pursuit of indefinite longevity. Watch the full discussion here.

This panel is coordinated in conjunction with MILE, the Movement for Indefinite Life Extension.

View the presentation slides prepared by Sven Bulterjis, “Aging Research Needs Marketing: What Can We Learn from Cancer Research?”:

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Also see a statement prepared by Peter Rothman for this event. This statement was read out by Mr. Stolyarov during the panel, and panelists’ responses were solicited.

Read the announcement by Keith Comito – “The #LifespanChallenge Starting on October 1 – International Longevity Day”.

See Mr. Comito’s introductory video for the Lifespan Challenge.

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Panelists

Adam Alonzi is the author of the fiction books “Praying for Death: A Zombie Apocalypse“and “A Plank in Reason”. He is also a futurist, inventor, DIY enthusiast, biotechnologist, programmer, molecular gastronomist, consummate dilletante and columnist at The Indian Economist. Listen to his podcasts at http://adamalonzi.libsyn.com/. Read his blog at https://adamalonzi.wordpress.com/.

Sven Bulterjis is a founder and member of the Board of Directors of Heales – the Healthy Life Extension Society, based in Brussels, Belgium. He has worked as a post-graduate researcher at the SENS Research Foundation and at Yale University. Moreover, he is an Advisor for the Lifeboat Foundation’s A-Prize, whose purpose is to put the development of artificial life forms into the open.

Keith Comito is a computer programmer and mathematician whose work brings together a variety of disciplines to provoke thought and promote social change. He has created video games, bioinformatics programs, musical applications, and biotechnology projects featured in Forbes and NPR.

In addition to developing high-profile mobile applications such as HBO Now and MLB AtBat, he explores the intersection of technology and biology at the Brooklyn community lab Genspace where he helped to create games which allow players to direct the motion of microscopic organisms. Read his Forbes article “Biological Games“.

Seeing age-related disease as one of the most profound problems facing humanity, he now works to accelerate and democratize longevity research efforts through initiatives such as Lifespan.io.
He earned a B.S. in Mathematics, B.S. in Computer science, and M.S. in Applied Mathematics at Hofstra University, where his work included analysis of the LMNA protein.

Roen Horn is a philosopher and lecturer on the importance of trying to live forever. He founded the Eternal Life Fan Club in 2012 to encourage fans of eternal life to start being more strategic with regard to this goal. To this end, one major focus of the club has been on life-extension techniques, everything from lengthening telomeres to avoiding risky behaviors. Currently, Roen’s work may be seen in the many memes, quotes, essays, and video blogs that he has created for those who are exploring their own thoughts on this, or who want to share and promote the same things. Like many other fans of eternal life, Roen is in love with life, and is very inspired by the world around him and wants to impart in others the same desire to discover all this world has to offer.

B.J. Murphy is the Editor and Social Media Manager of Serious Wonder. He is a futurist, philosopher, activist, author and poet. B.J. is an Advisory Board Member for the NGO nonprofit Lifeboat Foundation and a writer for the Institute for Ethics and Emerging Technologies (IEET).

Elizabeth Parrish, CEO of BioViva, is a humanitarian, entrepreneur, and innovator, and is a leading voice for genetic cures. As a strong proponent of progress and education for the advancement of regenerative medicine modalities, she serves as a motivational speaker to the public at large for the life sciences. She is actively involved in international educational media outreach and sits on the board of the International Longevity Alliance (ILA). She is an affiliated member of the Complex Biological Systems Alliance (CBSA), which is a unique platform for Mensa-based, highly gifted persons who advance scientific discourse and discovery.

The mission of the CBSA is to further scientific understanding of biological complexity and the nature and origins of human disease. Elizabeth is the founder of BioTrove Investments LLC and the BioTrove Podcasts, which is committed to offering a meaningful way for people to learn about and fund research in regenerative medicine.  She is also the Secretary of The American Longevity Alliance (ALA), a 501(c)(3) nonprofit trade association that brings together individuals, companies, and organizations who work in advancing the emerging field of cellular and regenerative medicine.