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Endogenizing loss prevention and risk sharing in P2P insurance
Peer-to-peer (P2P) insurance promises lower costs and better alignment of interests by having small groups of policyholders directly share risk. Yet full pooling can destroy prevention incentives under moral hazard, while self-insurance sacrifices diversification. In this talk, we develop a unified mean–variance framework that endogenizes both the pooling matrix and the effort levels in one joint optimization.
Zajíček's theorem characterizes the sets of non-differentiability of convex functions.
Its statement is sharp, elegant and tremendously powerful.
We provide the proof in a simple case and give some applications.
Singular limits arising in mechanical models of tissue growth
Based on the mechanical viewpoint that living tissues present a fluid-like behaviour, Partial Differential Equations models inspired by fluid dynamics are nowadays well established as one of the main mathematical tools for the macroscopic description of tissue growth. Depending on the type of tissue, these models link the pressure to the velocity field using either Brinkman’s law (visco-elastic models) or Darcy’s law (porous-medium equations (PME)).
A cellular automaton is monotonous if it preserves the order on configurations inherited from an order on
states. If at first sight, the significantly sparse aspect of that product order lead us to believe that mono-
tonicity would not be that restrictive, the fact that cellular automata are characterised by a local rule
applied shift-invariantly makes the impact of this constraint more remarkable than expected. After intro-
ducing the basic concepts of our work, we first state general results about monotonous cellular automata
Underground cavities known as "marnières", typically consisting of a cavity 1 to 3 meters high and connected to the surface by a vertical shaft 20 to 40 meters deep and 1 to 2 meters in diameter, were historically dug by farmers—especially during the 19th century—to extract chalk used as fertilizer.
Urban air quality is a major issue today. Pollutant concentrations, such as NO2, must be monitored to ensure that they do not exceed dangerous thresholds. Two recent techniques help map pollutant concentrations on a small scale. First, deterministic physicochemical models take into account the street network and calculate concentration estimates on a grid, providing a map. On the other hand, the advent of new low-cost technologies allows monitoring organizations to densify measurement networks.
Le LMRS est l'une des composantes
de la Fédération Normandie-Mathématiques.
© 2025, Laboratoire de Mathématiques Raphaël Salem