"Wisdom begins in wonder" – Socrates
Category: Policy
Bond Value
01/29/26
“How can we estimate the current value of a bond?”
Entities take out bonds for all kinds of reasons, ranging from infrastructure development to trade balancing. Financial institutions want to know how much a potential bond might be worth. To accomplish this, people can estimate the present value of the bond’s final worth and the present value of the bond payments to arrive at the Bond Value. Bond values are fundamental for quantifying a bond’s appeal.
Hazard Quotient
01/27/26
“How can we quantify the lethality of exposure to a substance?”
People are exposed to potentially hazardous substances all the time, whether it’s traces of air pollution or bacterial growth on food. We also know that if exposure breaches a certain level, it becomes dangerous. So how can we quantify the lethality of exposure to a substance? Well, what if we divide the exposure level by the reference dose? This is how the Hazard Quotient works, and it is a very useful tool in toxicology.
Time Value of Money
01/26/26
“Why is money today worth more than the same amount of money in the future?”
Money and currency are the backbone of global economics. Investing this money requires a certain amount of money. Whatever money you have today will give you more opportunities to invest than if you were to have the same amount of money in the future. The Time Value of Money is fundamental to financial decision-making.
Uniform Amount per Interest Period
01/25/26
“How can we calculate equal payments per interest period under compound interest?”
Finance and interest move the investment world, whether it’s paying for infrastructure materials or the operations of a non-profit. Sometimes, when people take out a loan or investment, there will be an equal payment amount per interest period, even when there is compound interest involved. This Uniform Amount per Interest Period is a mix of paying off the interest and the principal amount.
Acceptable Daily Intake (ADI)
01/21/2026
“How does the WHO measure how much a certain substance in food or drinking water can be consumed daily over a lifetime without an appreciable health risk?”
NOAELs document how much of a substance an organism can handle before a statistically significant health effect occurs. However, these studies may be conducted in controlled environments or on test animals that may not accurately reflect human conditions. To account for all of these variables, organizations such as the World Health Organization (WHO) and the European Food Safety Authority (EFSA) use Acceptable Daily Intake (ADI). Acceptable daily intake measures the amount of a certain substance in food or drinking water that can be consumed daily over a lifetime without an appreciable health risk to people. This is commonly expressed as milligrams of substance per kilogram of body weight and is applied by regulatory and health authorities all over the world to monitor food additives, pesticides, and much more. Acceptable daily intake is applied to food ingredients similar to how reference dose is applied to environmental toxins.
Reference Dose (RfD)
01/20/26
“How does the U.S. EPA produce recommended daily lifetime exposure limits for substances?”
NOAELs are the highest level of a substance a person can take without any statistically significant effects, according to research. However, this could be much higher than what may actually be safe for long-term use. The U.S. EPA has created the Reference Dose (RfD) in response. Reference does are the maximum acceptable oral dose of a toxic substance that has no adverse noncancer health effects from a lifetime of exposure. Reference doses are commonly found by dividing the NOAEL for a substance by uncertainty factors.
NOAEL – No Observed Adverse Effect Level
01/19/26
“How can we measure the highest dose of a substance that does not cause any statistically significant effect?”
People worry about whether a substance they’re exposed to leads to health complications. One way to understand this is to measure the highest dosage of the substance that organisms can handle before a statistically significant effect occurs. Labeled NOAEL – No Observed Adverse Effect Level, these measurements are fundamental for quantifying safe exposure levels for substances.
Minimum Vertical Separation From Water Table
01/05/26
“Why do some engineering systems require a minimum vertical separation from the water table?”
Engineering systems may store water beneath the surface, such as septic systems for wastewater or infiltration systems for stormwater. However, these systems can cause catastrophic damage if they’re built too close to the water table. Septic systems can leach wastewater and contaminate groundwater supplies, while water infiltration can raise the water table and lead to flooding. Consequentially, government regulations may require a Minimum Vertical Separation From Water Table to ensure public safety. For example, the NYC Department of Environmental Protection mandates that stormwater infiltration practices in Brooklyn and Queens are at least 4 feet above the groundwater table.
Image credit: https://michigansaves.org/
Builders Pavement Plans
01/04/25
“What regulations do you have to follow if you install or alter curbs, sidewalks, or roadways in NYC?”
Different municipalities have different regulations for different construction activities. In NYC, people who install or alter curbs, sidewalks, or roadways are required to submit a Builders Pavement Plan, or BPP. The builders pavement plan documents what actions the construction operator is taking to install/alter their right-of-way infrastructure and how they will follow regulations. The NYC Department of Buildings reviews BPP applications and analyzes how they comply with city construction codes and NYC Department of Transportation rules, regulations, and standards. BPPs help ensure NYC’s urban planning stays strong and that city residents are offered a safe environment.
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