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README.md

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 ### 03. Deep-Dive
 
 - **A Neural Network Extension of the Lee-Carter Model to Multiple Populations (*AAS 2021*)** [pdf](./Paper/Richman_AAS_2021.pdf) / [review](./Review/Richman_AAS_2021.md)
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   - *This paper **predicted the morality rates of HMD dataset using Lee-carter model**, Augmented Common Factor (ACF), Common Age Effect (CAE),  and **Deep Neural Network** (fully-connected).*
   - mortality rates
 - **The Drivers of Cyber risk (*JFS 2022*)** [pdf](./Paper/Aldasoro_JFS_2022.pdf) / [review](./Review/Aldasoro_et_al_JRS_2022.md)
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 - **공제액**
   - 자기 부담금. 보험사고가 발생하게 되면 피보험자(보험계약자, policyholder)는 전체 금액에서 공제액을 차감한 만큼의 보험금을 지급받게 됨.
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