Time of day (TOD) rates are a commonly used method for peak load pricing of many services. Such services as; electricity, communications, transportation, shared computer facilities, and computer networks (i.e. the Internet), either use, or will use, some form of TOD pricing. However, TOD rates...

The good health of an individual is a combination of uncontrollable factors that includes genetics and random events and controllable factors through the regulation of activities such as smoking and drinking. Since the work of Grossman in the 1970s, a significant relationship between health and...