1 The hypothalamus, pituitary gland, and the gonads (ovaries, testicles) operate in a feedback loop, producing and maintaining the levels of sex hormones (androgens and estrogens) that are mainly responsible for the primary and secondary changes of puberty.
Calculation: Here is the formula for FIP: FIP = ((13*HR)+(3*(BB+HBP))-(2*K))/IP + constant. The constant is solely to bring FIP onto an ERA scale and is generally around 3.10. You can find historical FIP constant values here, or you can derive the constant yourself.
A non-penalty method of calculating the return premium of a canceled policy. A return premium factor is calculated by taking the number of days remaining in the policy period divided by the number of total days of the policy.