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Specialized Malpractice Insurance for Professionals
Most experts agree that the right coverage for you actually depends on your circumstances, both now and into the future. Most professionals, including doctors, lawyers, and architects, need professional liability coverage because of the type of work they perform, which often includes giving their professional opinions. Because claims might be made during a period of time after a policy has expired or been discontinued, professional liability tail coverage will also come in handy.
A tail policy is also known as extended reporting period coverage. The tail gets its name because it becomes active after your policy has terminated and youve purchased the tail endorsement once you terminate a claims-made policy. The "tail" endorsement allows you to report claims for covered incidents that occurred while you were insured.
Claims made versus occurrence
The claims-made policy offers you greater flexibility because your last year's policy is the one covering your past or prior acts. This allows you to increase your limits or buy new coverage that wasnt available when you originally started your policy. Since the policy in force at the time of the claim will respond to the claim youll get the benefit of enhanced coverage. Claims-made coverage is portable, so you can take the coverage from one insurance company to the next.
On the other hand, the advantage of having an occurrence policy is in its permanence. The period of time youre insured under an occurrence policy is totally protected by the policy you had during that year, and you may not need to renew or buy the tail when you leave the company.
The term nose is another way of referring to your retroactive date or prior acts coverage. Since prior acts coverage provides cover for actions that occurred prior to your current policy, it is called a nose (as opposed to a "tail"). The bottom line is that you may need to be covered after the expiration date of your policy and can purchase a policy designed to provide you with this valuable protection. Speak to an agent about professional liability tail coverage so you can rest assured that you have the proper policy for your professional needs.
BOP Policy Offers Solid Protection to Small Businesses
As a convenience, many orange insurance companies offer business insurance policies that have combined protection from many of the major property and liability risks that business owners face. The business owners policy (BOP) is a package purchased by many small and mid-sized businesses and was created for companies that potentially face the same types of exposures and have a similar degree of risk.
Larger companies often consider a commercial package policy in order to customize their policies to meet the specialized risks that they often face. The insurance market has been designed so that they can calculate and provide your company with a selection of insurers that can offer the best available rates.
Which policies can you purchase under a BOP?
A BOP generally includes property insurance for buildings and contents owned by the company. There are two different forms to choose from; standard and special, which will provide more comprehensive coverage. A business interruption policy is generally included as it covers any loss of income that could result from a fire or other catastrophic event that disrupts the business for any length of time. It can include any extra expense associated with having to operate out of a temporary location.
Liability protection is another important feature to have and covers your company's legal costs when a claim is made for any harm that was caused to others. This includes an injury or loss as a result of actions that a business owner, representative, or employee takes, or fails to take, in the course of your business operations that may cause bodily injury or property damage due to defective products, faulty installations, or errors in services provided.
There are several areas requiring insurance that are not covered by a BOP, including professional liability, auto insurance, workers compensation, or health and disability insurance. You'll be required to purchase separate insurance policies to cover these particular exposures. Regardless of the type of company being operated, the business owners policy is an integral part of any successful business. Running an enterprise without adequate amounts of orange insurance is a risk not worth taking.
How a Client-Focused Insurance Agency can Benefit Your Small Business
Selecting an insurance company to work with in protecting your small business can seem like a daunting task. There is usually a lot of paperwork and numbers involved, and it can become confusing easily. When searching for an insurance provider, it may be helpful to make a list of qualities you're looking for, like experience and a more personal focus. Finding an insurance company that's dedicated to their clients can feel like finding another branch of your own business team. When you're looking to expand or pursue other business goals, an insurance agent that's familiar with your business and ambitions can better help you make those changes. If you're looking for Erie insurance agents, Columbus Ohio has plenty of agencies for you to consider.
Agencies that truly care for their clients tend to know their backstories and all of the hard work that went into acquiring their company assets. They should be aware of how accidents and other unforeseen events can impact daily business operations as well as have a plan for getting everything back on track. A dedicated agent can put together a policy with the right amount of coverage for a price you're comfortable paying. With the right industry contacts and knowledge of various providers, they can offer you an array of insurance products and suggest the best ones to you. In your search for Erie insurance agents, Columbus Ohio firms have plenty to offer.
Benefits of Liability Insurance for Home Health Care Providers
Do you provide in-home care to patients wishing to stay at home? Providing this service means taking on some risk, but you can mitigate some of the financial penalties by acquiring an insurance program for home health care providers. Here is a look at some of the benefits.
Unlike other kinds of business insurance, coverages for home health care can be tailored to the kind of care you provide. For example, if you provide physical therapy which requires a lot of physical strength from yourself, you may need coverage for possible work injuries. Another coverage option to look at is automobile coverage if you manage a team of providers using company cars to do their jobs.
An insurance program for home health care providers can also help if there are false allegations put forth about the provider. You need all your resources available to provide quality nursing case, meaning if there is a problem, quick response by your insurance carrier is important. Some benefits to look for include easy payment options, tailored coverage options and fully integrated programs.
Insuring your home health care practice is an important part of making sure you stay in business. Plan carefully for possible issues you may run into and find coverage appropriate to those scenarios.
The Responsibilities and Risks of Homeowners Associations
A homeowners association (HOA) is often tasked with many responsibilities for the upkeep of a community or building. This usually includes many different areas of operation, like budgeting and maintaining the property. Since many of these special communities have unique aspects that draw in buyers, the risk factors for the HOA can vary drastically from one community to the next. An HOA insurance company can help determine the different risks and find a policy with the right amount of coverage to protect the association.
D&O (Directors and Officers) liability coverage can be useful in protecting the members of this association against various claims. Due to the varying nature of common claims, an insurance service can help decide the best terms for this part of the policy. Since HOAs usually are involved with maintenance and other types of property work, workers compensation coverage can be a huge help in case of injury. Not only should this protect the association, but the help given to injured workers or volunteers can get them back to their positions faster, thus keeping up with maintenance schedules. Other areas of coverage include crime and cyber liability, which can protect an HOA from various types of risks. Data, money and property can all be stolen, and the right coverage can offer protection against losses. Regardless of your risks, an experienced HOA insurance company should help you get the right coverage for your unique needs.
3 Benefits of Insuring Your Boat
No matter if you are a boat enthusiast or a beginning boater, you should get familiar with the importance of boat insurance in California. When you purchase a car, auto insurance is a given but for boats, this isn't always the case. Accidents can still happen when on the water. Here are three benefits to protecting your investment with insurance.
Property Damage Covered
Property damage to your boat can be expensive. Whether vandals damage your boat or its damaged in an accident, insurance can cover you. Without insurance, not only do you have to pay for the damages, but you may also have to pay transport costs to get your boat fixed.
Injury Covered
In the unfortunate case of an accident, you or another person may be injured. One of the main benefits of having insurance is that you do not have to worry if anything happens. Not only can your coverage pay for injuries in the case of an accident, but any other watercraft-related injuries.
Affordable Coverage
There is a range of different coverages offered when you look into boat insurance in California. Whatever your budget is, you may be able to get a variety of discounts. Some insurance handlers may even offer discounts and credits.
Boating accidents may be less common that car accidents, but insurance is still beneficial for anyone who own a boat.
Choosing CMP Insurance
Leading a bank is an excellent career move. Not only does being a financial officer or director give you insider knowledge about the banking sector, it boosts your leadership capabilities. Of course, working in an official capacity at a financial institution exposes you to some liability. By purchasing civil money penalty liability insurance, you have the resources you need to protect your career and finances.
A Banks Coverage Is Usually Inadequate
Most banks have E&O coverage. This insurance protects the financial institution from claims arising out of common errors and everyday omissions. The coverage does not, however, protect you from claims in your individual capacity. Since federal banking regulations expressly prohibit your banks E&O policy from covering penalties assessed to you personally, you must pay them yourself.
CMP Coverage Bridges the Gap
If you are assessed a penalty following a regulatory investigation or audit, you may not have the financial resources to settle it. With a CMP policy, your insurer pays the penalty for you. Remember, your employer cannot pay CMP premiums. On the contrary, to benefit from this protection, you must purchase it independently.
With good civil money penalty liability insurance, you stay focused on developing your career. Rather than suffering a substantial financial setback, work with a qualified agent to tailor a CMP policy to meet your needs.
What Insurance Do Bars Need?
Each type of company will need a different type of insurance plan to ensure that it is adequately covered. Insurance programs for bars, for instance, will need liability to cover the property, the patrons and the employees from damages resulting from the interaction of intoxicated sports fans and food. The more options you have in bar insurance programs, the better you can tailor the coverage to the client.
Some of the things that these plans will cover include slips and falls, liquor liability and even assault and battery liability. These will protect your clients in case of an accident as well as in case a fight breaks out on their property. Some of these forms of liability will be fairly standard across all industries, general liability for instance, while others will be very specific for the risks that bars, sports bars and nightclubs face. With a little bit of research, you can find all the coverage your clients need as well as the best plans for their budgets.
Insurance programs for bars will include some of the general liability things that you will expect from business insurance but will also cover some of the risks typically seen with intoxicated patrons. This means that your clients will also need liquor liability and assault and battery liability. You can find these plans in a market for bar insurance to build the right coverage for your clients.
Company Insurance in the Case of Employee Death
There are many potential disruptions in a company that may put its very existence in doubt. Traditionally, these include fires, theft, vandalism, cyber-attacks and tornadoes or other weather events. The unexpected death of a key employee can be just as disruptive to a company's bottom line. A key life policy can protect a company in the case of the death an irreplaceable employee.
The first step is to identify employees whose deaths would significantly affect the performance of the company. Any employee whose loss would affect the viability of the company would be a prime candidate. The next step would be to take out a company policy on this person. The amount of the policy would be determined in part by how much it would cost to recruit and hire a replacement and to pay any deferred compensation to the employees family. It could also provide funds for lost profits and affected overhead expenses.
A key life policy can be part of a company's strategy to protect it from major disruptions in its operations. The policy would not extend beyond the period of employment for the insured person, but it would provide relief in the case of death when the employee is working for the company. It can also protect the reputation and brand of a company by providing continuity.
Is Real Estate Liability Insurance Right for You?
Real estate professionals often face varying expectations from client to client. These same clients likely have high level of emotional and financial investment in the purchase. All of this means that it is critical for real estate professionals to seek out liability insurance. Wholesale real estate liability insurance is smart way to keep you and your business safe.
Who is Eligible for Real Estate Liability Insurance?
There are a number of real estate professionals that qualify for this type of insurance. While this list is not comprehensive, it is a good idea to seek out coverage if your title is included below:
- Property Managers
- Escrow Agents
- Real Estate Brokers
- Escrow Agents
All of these professionals are potentially at risk for unwanted litigation. It is best to meet with a professional insurance wholesaler to discuss the insurance packages available to you.
What Type of Coverage is Available?
While individual insurance packages will likely be tailored to the specific needs of you and your company, it is important to have an understanding of the types of coverage offered. Liability insurance for real estate professionals often include coverage for:
- Environmental Hazards
- Fair Housing Claims Defense
- Property Management
- Prior Acts
- Privacy Breach
- Business Brokerage
- Lock Box Claims
If you are a real estate professional and you do not currently have liability insurance or are looking to upgrade, it may be the time to consider wholesale real estate liability insurance. Contact a nearby wholesale provider to find a package that is right for you.


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Friday saw me heading to the town which I went to school in, grew up outside of and left 6 years ago for college and never moved back. Navan is a big enough town, its bigger than Ennis in Clare but smaller than Bray in Wicklow just to give you some idea, but with a population of about 30,000 it's lacking quite a lot of things to do. It has always been a town where cover bands are far more welcome than original bands, bar venues that lasted a few months over the years with bands where the closest it ever came to embracing live original music. So when I heard Frightened Rabbit were playing the new venue (which is a converted nightclub that was the place to go when the other clubs turned you away on a saturday night) I was amazed and also very unsure how it would go. So friday was met with a healthy dose of excitement for seeing one of my favourite bands but with a reality check that I was going to see them in a town I had little faith would actually listen to them play.
Firstly I want to say that the Venue Swan Lane itself is brilliant the sound is perfect, the layout is brilliant and its a music venue to rival any of similar size in the country.
I wasnt expecting anything from the support on the night I hadn't heard of either and it was Navan after all. Well first up was a chap called Eli Spring, who was a fairly polished act that could probably be dropped straight on to radio and do quite well for himself. Acoustic rock with a kindve country american rock sound, if you like the Coronas or The Script you will probably like this guys style.
The second support act was a different story altogether, as I sat with my girlfriend and friend in the front row of tables, we watched this young lad bounce up on to the stage with his guitar and look instantly at ease. Rory Bowens (Bowens and The Wood) is an entertainer he instantly started trying to make a connection to the crowd introducing his songs and rambling away between each one in his own unique manner getting a few laughs from the crowd as he played. He played a quirky, funny, relevant solo acoustic set with songs about awkwardly bumping into your ex or lost loves. One song in particular called "sore heads" was introduced as the dirty one night stand section of his show.
(Disclaimer: the online stuff is old and not the best example of this young talent, you have to see him live to really see what I saw or wait for the new EP)
There are moments when he sounds like the Smiths and moments when I felt Noah And the Whale might be an influence. He's a fan of Frightened Rabbit which comes through in his lyrical style. All the while thinking that above anything his songwriting was new and believable, I love to watch someone get up and play songs that they have actually lived, not just someone churning out a melody with meaningless words. He was engaging on stage with a presence to grab the crowd's attention, the banter between songs was perfect for the night nothing to long or too serious just enough to grab the audience before a song started. After some investigation he and his band have recorded an ep and I will definitely be having a listen and letting you know more about Bowens and The Wood in future.
Now to get to the main act of the night Frightened Rabbit, I don't really need to say much, I've mentioned them on the blog before, here. They are a Scottish indie rock band with a talent for delivering some lyrics which are brutally honest as a friend once put it. The lead singer Scott can stand by himself with just a guitar and silence a whole crowd or start a mass sing-along, but with the whole band the energy on stage just flows into the crowd usually producing an atmosphere that is very hard to find anywhere else. The gig was billed as a semi acoustic show but upon the bands arrival to the venue they took one look at the place and decided it was too good to play just acoustic and instead we were treated to a full performance, including Scott playing requests for an encore before the band finished with the fantastic Loneliness and The Scream. I'm going to see them again on Friday in the academy so will do a proper review then. I have never gone to see the same band twice in one week, So to say that I love this band is an understatement but I can guarantee you if you go see Frightened Rabbit this friday night you will not regret it, they are simply one of the best bands around at the moment and live they are just special. I was lucky enough to meet them after the gig and get a Vinyl copy of their album Midnight Organ Fight signed by the whole band, they are a lovely bunch of lads and up for the craic by what I've seen so far. The tour is in aid of the soon to be released ep State Hospital, the follow-up to another ep and third album Winter of Mixed Drinks.
They are also playing an acoustic set at the Ruby Sessions in Doyles tomorow night.
This is a decent video of a semi acoustic show they did in San Francisco.

subset: commoncrawl


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Disabling Outlook 2003 Email Alert Pop-ups
Can you tell me how to prevent Outlook 2003 from popping up an alert from the Windows system tray when a new email message arrives? I know how to disable alerts manually on each machine, but I'd like to turn off pop-ups for a group of users all at once.
The Outlk11.adm administrative template provides a Group Policy setting to manage that option.
Open Group Policy Editor (GPE) and navigate to
- -> User Configuration,
- -> Administrator Templates,
- -> Tools,
- -> Options,
- -> Preferences,
- -> E-mail options,
- -> Advanced E-mail options,
- -> Desktop Alert.
The Check to disable New Mail Desktop Alert policy setting controls the DWORD registry value
which at
The default value data (0) enables alerts. To disable alerts, change the value data to 1.


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Katy Perry showed off a brand new hair makeover that made us roar with excitement: she dyed her locks an electric pink shade! The singer compared her shocking new hairdo to the vibrant pink fur one of our fave Muppets, Animal! She shared the cutest side-by-side photo of herself with her rock-and-roll style muse on Instagram when debuting her new look.
We're loving the new hue, but Katy's new look also gives us some major Halloween hairspiration! (We wonder if we could get away with rocking an Animal-inspired costume this year.)
This isn't Katy's only major hair transformation! Click through the gallery below to see even more of Katy's most over-the-top hair colors. Then, tell us what you think of her new look in the comments section!


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5 missing features we wish were in Android 7.0 Nougat
Android is better than ever, but it's still not perfect. These are the things we wish were included in the latest release.
The best Android games for your Chromebook
Now that Chromebooks can run Android apps, its time to load up on some games. But which ones play best on a laptop?
10 must-have Android apps to make your Chromebook more useful
With Chromebooks gaining access to Android apps, these should be the first you grab from the Play Store.
Five tips to soup up Chrome for Android
Google's browser had a lot to offer if you know where to look.
5 awesome Google Keyboard features you probably don't know about
The best Android keyboard keeps getting better.
10 tips to make your OnePlus 3 the best phone it can be
A more fulfilling OnePlus 3 experience is just a few steps away.
10 must-have apps for your Android Wear watch
Your smartwatch isn't complete until you've got these apps.
How Google Nearby works, and how you can take advantage of it
Google makes it easy for your phone to link with other phones in close proximity, but not many apps make use of the feature.
15 tips and tricks to get the most from your HTC 10
Make it the best phone it can be by making it yours.
5 awesome Google Keep features you aren't using, but should be
Google Keep is more capable than you probably realize.
15 tips and tricks to get the most from your LG G5
This great phone gets even better when you customize it to your liking.
Power up your Android clipboard with these four awesome apps
It's time for you to have the amazing clipboard powers you never knew you needed.
20 tips and tricks to get the most from your Galaxy S7 or S7 Edge
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Adoptable storage in Android 6.0: What it is, how it works
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Got a file that's too big for email? No problem!
Articles by Ryan WhitwamOlder stories


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|Home Town:
|Vancouver Island
|Official Website:
Although they now call Vancouver Island home, these gifted folk/roots song-crafters live mostly on the road, performing to an ever-widening fan base. They are skilled & versatile musicians; considered by their peers to be in the "journeyman" class of their trade.
Saskia hails from The Netherlands and Darrel was born on the Great Plains, so prairie culture runs through their veins. Recently they spent 4 years living in Saskatchewan & it was a huge creative landscape for their songwriting. They write about Canadian life & culture; stories of Louis Riel, war brides, prairie towns, voyageurs & rodeos; all set to intriguing melodies and backed by some of Canada's finest musicians.
They have toured extensively across Canada and Europe with Gary Fjellgaard for the last 10 years, performed with Valdy, Nathan Tinkham (Ian Tyson's guitar player), and have notables like Daniel Powter, Darby Mills, Steve Dawson, Ken Hamm, Bill Hicks (Powder Blues), and Nolan Murray (Tiller's Folly) appearing on their 9 CD's. On a last note…..they have opened for the Stampeders, Emerson Drive, The Good Brothers and Folk Legend Roy Forbes.
They were awarded Top Folk /Roots Album in Holland; Artist, Album, and Songwriter of the year from SCMA, received Top 5 People's choice awards, and have enjoyed many years airplay on the Top Indie folk/roots charts in Europe.
Currently touring to support their latest CD "Songbirds" on their 4th trip across Canada, they also have a 3rd European tour booked in Holland, Germany, Belgium and Switzerland.
[Courtesy of Saskia and Darrel de la Ronde]


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37 CFR 11.15 - Refusal to recognize a practitioner.
§ 11.15 Refusal to recognize a practitioner.
Any practitioner authorized to appear before the Office may be suspended, excluded, or reprimanded in accordance with the provisions of this Part. Any practitioner who is suspended or excluded under this Part shall not be entitled to practice before the Office in patent, trademark, or other non-patent matters while suspended or excluded.
[ 73 FR 47688, Aug. 14, 2008]
Title 37 published on 16-May-2018 03:41
The following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 37 CFR Part 11 after this date.


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Quote of the Week
We live in a society and a culture and an economic model that tries to make everything look right…But by definition, when you make something no one hates, no one loves it. So I am interested in imperfections, quirkiness, insanity, unpredictability. That's what we really pay attention to anyway. We don't talk about planes flying; we talk about them crashing.


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Report NEP-IUE-2014-11-17This is the archive for NEP-IUE, a report on new working papers in the area of Informal & Underground Economics. Catalina Granda Carvajal issued this report. It is usually issued weekly.
Subscribe to this report: email, RSS or Twitter.
Other reports in NEP-IUE
The following items were announced in this report:
- Alonso-Ortiz, Jorge & Leal Ordonez, Julio, 2014. "Cross-subsidies, and the elasticity of informality to social expenditures," MPRA Paper 59613, University Library of Munich, Germany.
- Balkan, Binnur & Tumen, Semih, 2014. "Firm-Size Wage Gaps along the Formal-Informal Divide: Theory and Evidence," MPRA Paper 58565, University Library of Munich, Germany.
- Litina, Anastasia & Palivos, Theodore, 2014. "Corruption, Tax Evasion and Social Values," MPRA Paper 58438, University Library of Munich, Germany.
- Mitra, Shalini, 2014. "Tax Evasion, Tax Policies and the Role Played by Financial Markets," MPRA Paper 58977, University Library of Munich, Germany.
- Kotowski, Maciej H. & Weisbach, David A. & Zeckhauser, Richard J., 2014. "Signaling with Audits: Mimicry, Wasteful Expenditures, and Non-compliance in a Model of Tax Enforcement," Working Paper Series rwp14-001, Harvard University, John F. Kennedy School of Government.
- Simon Gaechter & Elke Renner, 2014. "Leaders as Role Models for the Voluntary Provision of Public Goods," Discussion Papers 2014-11, The Centre for Decision Research and Experimental Economics, School of Economics, University of Nottingham.
- Asongu, Simplice A & Andrés, Antonio R., 2014. "Global trajectories, dynamics, and tendencies of business software piracy: benchmarking IPRs harmonization," MPRA Paper 58755, University Library of Munich, Germany.


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Whether you require one, two or all of these storage inspirations, our tricks and tips for squashing a little more space out of your bathroom aren't to be missed. Read on to see how to de‐clutter your bathroom.
Information of "Small Bathroom with Alcove Tub also Glass Shower Screen plus Wall Mount Shower Head and Traditional Shelf" image
Original image url: http://sabird.com/u/2017/10/small-bathroom_alcove-tub_glass-shower-screen_wall-mount-shower-head_traditional-shelf.jpg
Original image dimension: 920px × 920px
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All graphics and other visual elements as well as any sign reproduced on the display products reproduced on the Website belong to their respective owners and users and is provided AS IS for your personal information only.
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For more information about Sidcot School and enquiries from the media please contact the Press Office at firstname.lastname@example.com or 01934 845248.
The last weekend of half term was a busy time for the Sidcot Equestrian Team. It was time for the hard work and training of all team members and their ponies to be put to the test. The aim of this event was to attempt to qualify Sidcot School for the national finals to be held in April at Addington. This was going to be quite a task as the competition was fiercely contested by schools from both Somerset and Avon.
The weekend commenced very early on Saturday morning, with all ponies groomed for turn out, loaded and driven to compete at King Sedgmoor Equestrian Centre. Nerves were plenty, but the Sidcot riders knew what was at stake. The first class of the day the 60cm warm up class was entered by Lauren Wilkins and her pony, Beans. Lauren rode a lovely round with just a few poles rolled but gained sixth place. This set her up well for class two the 70cm where she again rode a lovely individual round.
As it was Halloween weekend the course builders didn't make it easy for any of the riders and horses, with ghosts and pumpkins adorning many of the fences. For those reading this whom may be wondering what's the significance... this meant that the fences were particularly scary for the ponies, many of whom objected to these extra adornments and unseated many competitors, and added to the pre-competition nerves.
The 70cm team comprised of Sophie Lee on Billy, Elsa Cardel on Cameron, Erin Croft on Rosco and Henry Blair on Ivy. This was a hotly contested class with all four Sidcot riders jumping clear within fantastic time placing them in the lead and overall winners of the class. This meant the team had secured their place at the national finals. The children were delighted and were also awarded individual prizes for their efforts.
After the teams 70cm class it was time for the individual riders to step up to the mark. Both Henry Blair on Ruby and Neve Harvey on Scout guided their particularly young rides around the tricky course and both rode beautiful well executed rounds.
It was then the turn of the 80cm team, this time comprising of Caoimhe Collery on Harper, Lottie Gunter on Rohan, Henry Blair on Ivy and Elsa Cardel riding Cameron. Excitement and nerves were building amongst the children and their horses. Sidcot was the fifth team to go so they knew clear rounds were important. Elsa Cardel and Cameron were first to go, riding a clear round with a good quick time. Next to face the pressure was Lottie Gunter who again rode a beautiful clear round with good time setting the team up well. It was Caoimhe Collery's turn next with Harper and she too held her nerve and rode a beautiful clear round with a fast time. Finally, it was Henry Blair's turn riding Ivy, this pair didn't disappoint either another clear round with a great time. The Sidcot team were the only school on the day to ride four clear rounds with excellent times resulting in the team being crowned overall winners of Avon and securing their place again at the national finals. Not only did they secure their team place, each one of the team were recognised for their individual achievements so rosettes were plentiful for team Sidcot.
It was then the turn of Neve Harvey and Scout to tackle this tricky course and Neve did just that riding beautifully to ensure Scout held his nerve and was a great ambassador for the school.
It is fair to say the long day was justly rewarded. The Sidcot children were yet again commended by many competitors on their skilful riding and notably their team spirit which was clear to see. Their daily dedication to keep their ponies fit and healthy to compete and represent their school was justly rewarded. To have one team compete for any school at national level is a fantastic achievement, to have two teams is just remarkable so what would Sunday bring? Could this be a treble for Sidcot to compete at national level?
Day two of the NSEA qualifiers saw Caoimhe Collery on Harper Seven, Lottie Gunter on Just Rohan and Frieda Cardale on Sienna compete in the 90cm class. With 35 competitors, 7 schools and riders of ages through to upper sixth, competition was very stiff. The team rode magnificently placing third overall in the combined Somerset and Avon class and qualified to represent Avon at the NSEA National Championships to be held at Addington in April 2017. Individually, Caoimhe and Harper Seven placed second in the Avon class and third overall across Somerset and Avon, Lottie and Just Rohan placed fourth and Frida and Sienna fifth. The team are very thankful to all non-riders and parents that came to support the athletes during the weekend.
With the team qualified for the national championships in three classes and the recent success of the equestrian program at the grass roots level, Iain Kilpatrick, Headmaster, commented "I am delighted that our Equestrian Team has done so well. Not only do they show high levels of skill in their riding, but also represent Sidcot with great distinction. I wish them every success in their forthcoming competitions and look forward to hearing how they have got on. I'm very grateful to the riders and their parents for the hours of preparation they put in before competitions, which is clearly paying off in style!'
In upcoming events, Caoimhe Collery and Harper Seven will represent Sidcot in the NSEA Eventers Challenge at Pontispool on 6th November and the team will represent Sidcot in the NSEA Plate at Keysoe on 3 and 4 December.
Students and parents interested in getting involved with Sidcot Equestrian and learning more about how to get involved in riding or develop their skills to competition level should contact firstname.lastname@example.com
Lorraine Curtin-Blair & Gavin Collery
Sidcot Equestrian Team


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Oxidant injury alters barrier function of ferret tracheal epithelium.
Many traditional Indian medicinal plants which contain large quantity of a secoiridoid, swertiamarin are being used to relieve pain. Iridoids present in a wide variety of medicinal plants possess a large number of medicinal properties. In the present study in vivo antinociceptive activity of swertiamarin isolated from E. axillare was carried out using three different methods in mice. In the hot plate method, a significant increase in the latency period was observed for the treatment with swertiamarin at 100 and 200 mg/kg bw after 30 and 45 min. The percent protection observed after 45 min was 109.42, 147.42 and 157.14, respectively, for the standard paracetamol and swertiamarin at 100 and 200 mg/kg bw treatments. A significant increase in the tail withdrawal reflex was observed for the swertiamarin treatment at both the doses with percent protections of 150 and 200, respectively. In both these methods, swertiamarin produced potent activity than that of standard paracetamol. In the acetic acid induced writhing, swertiamarin at 100 and 200 mg/kg bw reduced the number of writhes significantly. Dose dependent results were observed in all the three methods and among the two doses, swertiamarin at 200 mg/kg bw showed potent activity. These results prove that swertiamarin possess both peripheral and central antinociceptive activity.
AAP enhanced cisplatin cytotoxicity in cisplatin-resistant BT16 cells but not cisplatin-sensitive BT12 cells. Baseline GSH levels were elevated in BT16 cells compared to BT12 cells, and AAP decreased GSH to a greater magnitude in BT16 cells than BT12 cells. Unlike BT12 cells, BT16 cells did not have elevated peroxide levels upon treatment with cisplatin alone, but did have elevated levels when treated with AAP + cisplatin. Both cell lines had markedly increased mitochondrial injury when treated with AAP + cisplatin relative to either drug treatment alone. The enhanced toxic effects were partially reversed with concurrent administration of NAC.
To compare the efficacy of up to 3 epidural butorphanol plus corticosteroid with corticosteroid alone for sciatica due to herniated nucleus pulposus.
Naringenin is a natural flavonoid aglycone of naringin that has been reported to have a wide range of pharmacological properties, such as antioxidant activity and free radical scavenging capacity. This study was designed to examine the hepatoprotective effect of naringenin against acetaminophen (250 mg kg(-1), sc) in metallothionein (MT)-null mice. 42 SPF MT-knockout mice were used. Naringenin (200, 400, and 800 mg kg(-1), ig) was administered for 4 days before exposure to acetaminophen (250 mg kg(-1), sc). Liver injury was measured by serum alanine aminotransferase (ALT), aspartate aminotransferase (AST) and lactate dehydrogenase (LDH), as well as liver malondialdehyde (MDA). The glutathione-to-oxidized glutathione ratio (GSH/GSSG) was also assessed. The evidence of liver injury induced by acetaminophen included not only a significant increase in the levels of serum ALT, AST, LDH and liver MDA, and also a significant decrease in GSH/GSSG. Pretreatment of mice with naringenin at 400 and 800 mg kg(-1) reversed the altered parameters. Such reversal effects were dose-dependent: ALT decreased 78.62% and 98.03%, AST decreased 88.35% and 92.64%, LDH decreased 76.54% and 81.63%, MDA decreased 48.59% and 66.27% at a dose of 400 and 800 mg kg(-1) respectively; GSH/GSSG increased 22.57% and 16.93% at a dose of 400 and 800 mg kg(-1) respectively. Histopathological observation findings were also consistent with these effects. Together, this study suggests that naringenin can potentially reverse the hepatotoxic damage of acetaminophen intoxication in MT-null mice.
The internal standard was APAP-D4 for all analytes. Chromatographic separation was achieved with a reversed-phase Acquity ultraperformance liquid chromatography HSS T3 column with a runtime of only 4.5 minutes per injected sample. Gradient elution was performed with a mobile phase consisting of ammonium acetate, formic acid in Milli-Q ultrapure water or in methanol at flow rate of 0.4 mL/minute.
Data on patients undergoing adrenalectomy over a 2-year period from 2010 were reviewed. Patients undergoing open adrenalectomy, bilateral adrenal surgery, or paraganglioma resection were excluded. The LA and RA patients were compared according to their operative time, time to first oral intake, complications, analgesic requirements, and length of hospital stay. Further analysis was performed on patients matched for all patient and disease-related criteria. Statistical analysis was performed using the χ (2) test and the Mann-Whitney U test as appropriate.
The study aims to investigate the prevalence of off-label prescribing in the general paediatric ward at a major teaching hospital in Tasmania, Australia.
The calibration of the rule was reasonable in the new sample with predictions of recovery typically within 5-10% of observed recovery. Discriminative performance of the rule was poor to moderate and similar to that found in the development sample.


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So 4s...describe for me your dream self with as many vivid details as you want...we all know you have them
I want to hear from 6s too: Who is the person you strive to be? What qualifications would make that person satisfactory?
User Tag List
- Join Date
- Dec 2014
- Enneagram
- 2w3 sp/sx
- Posts
- 5
4s and 6s: Describe Your Ideal Self. (Or Selves)
(4): My ideal self... A distance runner who follows a regime and has the potential to run an ultramarathon (at least 50K) before she turns 25. Someone who knows exactly what career they want to have and is terribly ambitious. Someone with a lot of friends, one of those people that get stopped at least twice every time they go down the street by people they know. Someone charming and warm. Someone who comes off as carefree but has their shit together too. Someone with a distinct personal style, très chic. Someone with a very unique and attractive physical appearance (classic Japanese features, tanned skin, elegantly styled dark hair, waifish figure, runner's legs). Someone who can be seductive but still be taken seriously. Someone who always seems to be the center of attention but who can promote their friends and never tries too hard.Be soft. Do not let the world make you hard. Do not let pain make you hate. Do not let the bitterness steal your sweetness." ― Kurt Vonnegut
ENFP. 7w6 – 4w3 – 1w9 sx/so. Aries. Dilettante. Overly anxious optimist.
- Join Date
- Jun 2014
- Posts
- 686
(4) Someone who can create a rift to another world, hopefully a saner one, and go there.
- Join Date
- May 2014
- Socionics
- EIE Ni
- Posts
- 3,380
I have so many alternative lives, it is hard to keep up.
I feel like my ideal self would really be a spiced up version of me rather than somebody completely different. I imagine myself transformed into somebody physically strong, socially confident, and a very successful pianist and composer. I would also like to have certain superpowers, such as telekinesis and invisibility.
- Join Date
- Jun 2013
- Posts
- 2,956
4, my ideal self: An artist, creative and original person who inspires others with her work, but is humble, quiet and shy. A perfectionist who follows rules, has perfect self-control and does everything to achieve her goals, works hard and never gives up. An artist who is not only talented, but also mysterious, hard to get to know and has a dark twist. Always knows when the right time to do things, extremely individualistic and very expressive sense of fashion and style. Always does the good work, just to satisfy everyone. Physically very skinny and pale, with outgeorgeus dark almost gothic like look."I never felt oppressed because of my gender. When I'm writing a poem or drawing, I'm not a female; I'm an artist." - Patti Smith
I want to reach all of my potential and experience beautiful and meaningful things. I want depth of understanding in life and depth of connection with others (or at least one other). I want spirituality, a connection to God, and the insight and gracefulness that comes with it. I'd like some charisma, magnetism, to be liked and to captivate.
But I also want elegance and luxury and novelty and the exotic. I want to stay thin and never wrinkle .
When younger, I wanted a bohemian lifestyle, and I still want that autonomy, flexibility and exploration, but I put a higher value on more noble pursuits, especially moral and spiritual things.
I want to be inspired and motivated all the time. I want a beautiful, brilliant lover that I respect and adore. I want to be adored and admired and loved and respected for being me. I want mutual support and cultivation of profound intimacy (in every area).
I suppose I see my potential as being a creative, intelligent, empathetic, insightful, spiritual person. I want avenues and contexts which allow me to cultivate those qualities. Ideally I'd have brilliance and talent and drive in at least one of those areas, if not all of them. I'd like to explore and do well in many creative mediums - visual art, writing, poetry, philosophy, music, etc.
I have too many fantasies, so Im speaking in terms of theme here, rather than specifics. Some specifics may be traveling all over and being semi-nomadic, a fantastic closet reflecting my individual style, an extensive library, an atrium or indoor or rooftop/balcony garden of sorts, and to be a published poet and/or fine artist with a gallery (I'm over this commercial art crap). These are really just decorative stuff, because my desires center more around finding love, cultivating spirituality, increasing understanding, expressing creatively and creating and finding beauty and meaning. Great clothes are just a nice package .Often a star was waiting for you to notice it. A wave rolled toward you out of the distant past, or as you walked under an open window, a violin yielded itself to your hearing. All this was mission. But could you accomplish it? (Rilke)
INFP | 4w5 sp/sx | RLUEI - Primary Inquisitive | Tritype is tripe
- Join Date
- Jun 2014
- Posts
- 686
Seriously now? Okay. Highly focused. With focus anything is possible.
To grasp fear in my fingers, watch it writhe, wriggle and try to get away. But to not let it and to also not kill it; I want to hear it's side of perspective and understand that power of influence. And I want to make friends with it.'One of (Lucas) Cranach's masterpieces, discussed by (Joseph) Koerner, is in it's self-referentiality the perfect expression of left-hemisphere emptiness and a precursor of post-modernism. There is no longer anything to point to beyond, nothing Other, so it points pointlessly to itself.' - Iain McGilChrist
Suppose a tree fell down, Pooh, when we were underneath it?"
"Suppose it didn't," said Pooh, after careful thought.
Piglet was comforted by this.
- A.A. Milne.
Ideally, I want to excel in my one chosen creative field to the point that hard-to-reach options to take it further would open up. I want my work to help people understand each other and make them face the sides of themselves that they're afraid to own up to. But also, I want to deliver through it the message that I like people after all despite the quiet shell, and I want to play with them. I would not just be understood, but others would want to come inside without may having to compromise myself for them first. I would never again have to sit on an idea alone or be hungry for intellectual bonding. Maybe I'd meet someone this way who I would become more intimate with - romance used to be a central part of these visions, but it isn't anymore. But it would be lovely.
I want a strong body and a resilient psyche. I want to be brave, someone who stands up for others and what's good, not a bystander. I want to know a variety of practical skills and be able to survive in many difficult situations, but also to be knowledgeable, intelligent and focused. I want to be fearlessly productive and efficient.
I want my unhealthy past to be overshadowed by what I become and my self-concept to be washed of that as cleanly as possible by new accomplishments. I want a few to regret how they underestimated me.
I don't want to be constrained in aesthetic expression or in exploration by impersonal resource limits. If I'm curious about something, I want to be able to just go try it.
I don't want to age. I don't want disease, otherwise known as the body's random and oh-so-inconsiderate infringement on my expressive capacities.
Why did I even post? I hate admitting that I want more.ISFP
4w5 6w5 1w2 sx/so
★ ★ ★A lonely island where only what is permitted
to move moves, becomes an ideal. Jung
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Man Helps Girlfriend With Spinal Cord Injury Cross Finish Line In New Orleans
Monique Koll, with help boyfriend Nick Zaunbrecher at the Rock n' Roll half Marathon in New Orleans on Sunday. What's amazing is the fact she suffered a severe spinal cord injury 4 months ago when a motorist struck her while she was riding her bicycle
Her boyfriend Nick pushed her in her wheelchair for 13 miles. Once they got to the end, he picked her up out of her chair and helped her walk across the finish line. Ladies, can you say "He's a keeper"?
"I was crying,'' Koll told TODAY.com. "I thought I hid it from everybody, but then the cameras caught it. I didn't know how emotional it would be. Nick was amazing. He pushed that wheelchair over those crazy New Orleans streets for 13 miles. For him to be able to help me walk across the finish line, it was just crazy.''


text:
What a morning! Santa came and all is well. My manager came in at 3 this morning and let me go home so I could help Santa out. I rushed home and did my "elfly" duties and tried to sleep for a couple hours.
The kids were so cute. I found Natalie and Alice sitting at the top of the stairs. They were waiting on Gordon –
He was so worried yesterday that he would be too excited to brush his teeth, but he was able to control himself.
Everyone was happy with their presents.
Including me: A piggy and fabric!!!!
And a book! And more books!! Including Sew Sunny Homestyle (which I already have – and I ordered them!! A sign of having too much)
So now the kids are busy: And I am tired. So maybe I will sneak in a nap!!


text: NYSE:THG - The Hanover Insurance Group Stock Price, Price Target & More Sign in or create an account to add this stock to your watchlist. Get Started $119.84 +0.40 (+0.33 %) (As of 05/27/2018 03:43 AM ET)Previous Close$119.84Today's Range$118.17 - $120.1352-Week Range$82.11 - $121.39Volume111,127 shsAverage Volume195,669 shsMarket Capitalization$5.08 billionP/E Ratio25.28Dividend Yield1.81%Beta0.97 Company Profile Financials Analyst Ratings Dividend History Earnings History Insider Trades Headlines SEC Filings Social Media Chart About The Hanover Insurance Group (NYSE:THG)TweetThe Hanover Insurance Group, Inc., through its subsidiaries, provides various property and casualty insurance products and services in the United States and internationally. It operates through four segments: Commercial Lines, Personal Lines, Chaucer, and Other. The Commercial Lines segment offers commercial multiple peril, commercial automobile, workers' compensation, and other commercial coverages, such as inland marine, specialty program business, management and professional liability, surety, and specialty property, as well as monoline general liability, umbrella, healthcare, and miscellaneous commercial property insurance products. The Personal Lines segment provides personal automobile and homeowners coverages, as well as other personal coverages, including personal inland marine, umbrella, fire, personal watercraft, earthquake, and other miscellaneous coverages. The Chaucer segment offers marine, aviation, and political insurance; casualty comprising international liability, specialist coverages, and run-off syndicate participations; and energy, property, and assumed reinsurance treaty insurance services. The Other segment markets investment management and advisory services to institutions, pension funds, and other organizations. The company markets its products and services through a network of independent agents and brokers. The Hanover Insurance Group, Inc. was founded in 1852 and is headquartered in Worcester, Massachusetts. Receive THG News and Ratings via Email Sign-up to receive the latest news and ratings for THG and its competitors with MarketBeat's FREE daily newsletter. Industry, Sector and Symbol Industry Fire, marine, & casualty insurance Sub-IndustryProperty & Casualty Insurance SectorFinance SymbolNYSE:THG CUSIP41086710 Webwww.hanover.com Phone508-855-1000 Debt Debt-to-Equity Ratio0.27 Current Ratio0.45 Quick Ratio0.45 Price-To-Earnings Trailing P/E Ratio25.28 Forward P/E Ratio14.02 P/E GrowthN/A Sales & Book Value Annual Sales$5.18 billion Price / Sales0.98 Cash Flow$5.8544 per share Price / Cash20.47 Book Value$68.48 per share Price / Book1.75 Profitability EPS (Most Recent Fiscal Year)$4.74 Net Income$186.20 million Net Margins3.97% Return on Equity8.33% Return on Assets1.62% Miscellaneous Employees4,600 Outstanding Shares42,540,000 The Hanover Insurance Group (NYSE:THG) Frequently Asked Questions What is The Hanover Insurance Group's stock symbol? The Hanover Insurance Group trades on the New York Stock Exchange (NYSE) under the ticker symbol "THG." How often does The Hanover Insurance Group pay dividends? What is the dividend yield for The Hanover Insurance Group? The Hanover Insurance Group announced a quarterly dividend on Tuesday, May 15th. Investors of record on Friday, June 8th will be paid a dividend of $0.54 per share on Friday, June 29th. This represents a $2.16 dividend on an annualized basis and a yield of 1.80%. The ex-dividend date of this dividend is Thursday, June 7th. View The Hanover Insurance Group's Dividend History. How were The Hanover Insurance Group's earnings last quarter? The Hanover Insurance Group, Inc. (NYSE:THG) issued its quarterly earnings data on Wednesday, May, 2nd. The insurance provider reported $1.95 earnings per share (EPS) for the quarter, beating the Thomson Reuters' consensus estimate of $1.81 by $0.14. The insurance provider had revenue of $1.26 billion for the quarter, compared to analyst estimates of $1.25 billion. The Hanover Insurance Group had a return on equity of 8.33% and a net margin of 3.97%. The business's revenue was up 6.6% on a year-over-year basis. During the same quarter last year, the business earned $0.95 EPS. View The Hanover Insurance Group's Earnings History. What price target have analysts set for THG? 1 equities research analysts have issued 1-year price objectives for The Hanover Insurance Group's shares. Their predictions range from $91.00 to $91.00. On average, they expect The Hanover Insurance Group's stock price to reach $91.00 in the next year. View Analyst Ratings for The Hanover Insurance Group. Who are some of The Hanover Insurance Group's key competitors? Some companies that are related to The Hanover Insurance Group include Mitsui Sumitomo Insurance Group (MSADY), Hartford Financial Services Group (HIG), Loews (L), Markel (MKL), Fairfax Financial (FRFHF), XL Capital Partners (XL), CNA Financial (CNA), Cincinnati Financial (CINF), Arch Capital Group (ACGL), American Financial Group (AFG), W. R. Berkley (WRB), Everest Re Group (RE), Alleghany (Y), Validus (VR) and RenaissanceRe (RNR). Who are The Hanover Insurance Group's key executives? The Hanover Insurance Group's management team includes the folowing people: Mr. John Conner Roche, Pres, CEO & Director (Age 54)Mr. Jeffrey Mark Farber, Exec. VP & CFO (Age 53)Mr. J. Kendall Huber, Exec. VP, Gen. Counsel & Assistant Sec. (Age 63)Mr. Richard William Lavey, Exec. VP & Pres of Hanover Agency Markets (Age 50)Mr. Bryan James Salvatore, Exec. VP & Pres of Specialty (Age 53) Has The Hanover Insurance Group been receiving favorable news coverage? News stories about THG stock have been trending somewhat positive recently, Accern Sentiment Analysis reports. The research group identifies negative and positive media coverage by reviewing more than twenty million news and blog sources in real time. Accern ranks coverage of public companies on a scale of negative one to one, with scores closest to one being the most favorable. The Hanover Insurance Group earned a daily sentiment score of 0.24 on Accern's scale. They also gave news headlines about the insurance provider an impact score of 47.10 out of 100, meaning that recent media coverage is somewhat unlikely to have an impact on the company's share price in the near future. Who are The Hanover Insurance Group's major shareholders? The Hanover Insurance Group's stock is owned by a variety of of retail and institutional investors. Top institutional shareholders include BlackRock Inc. (8.48%), Dimensional Fund Advisors LP (5.94%), Victory Capital Management Inc. (2.95%), Franklin Resources Inc. (2.38%), Lord Abbett & CO. LLC (1.83%) and Pzena Investment Management LLC (1.77%). Company insiders that own The Hanover Insurance Group stock include Christine Bilotti-Peterson, J Kendall Huber, Jeffrey M Farber, John C Roche, Mark Joseph Welzenbach, Mark Leo Berthiaume, Mark Lowell Keim, Richard W Lavey and Warren E Barnes. View Institutional Ownership Trends for The Hanover Insurance Group. Which major investors are selling The Hanover Insurance Group stock? THG stock was sold by a variety of institutional investors in the last quarter, including Dimensional Fund Advisors LP, Citadel Advisors LLC, American Century Companies Inc., Interval Partners LP, Mesirow Financial Investment Management Equity Management, Amundi Pioneer Asset Management Inc., Prudential Financial Inc. and BNP Paribas Arbitrage SA. Company insiders that have sold The Hanover Insurance Group company stock in the last year include Christine Bilotti-Peterson, J Kendall Huber, John C Roche, Mark Joseph Welzenbach, Mark Leo Berthiaume, Mark Lowell Keim and Warren E Barnes. View Insider Buying and Selling for The Hanover Insurance Group. Which major investors are buying The Hanover Insurance Group stock? THG stock was acquired by a variety of institutional investors in the last quarter, including Lord Abbett & CO. LLC, Victory Capital Management Inc., Ceredex Value Advisors LLC, Millennium Management LLC, Scout Investments Inc., Summit Trail Advisors LLC, Carillon Tower Advisers Inc. and BlackRock Inc.. View Insider Buying and Selling for The Hanover Insurance Group. How do I buy shares of The Hanover Insurance Group? Shares of THG can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab. What is The Hanover Insurance Group's stock price today? One share of THG stock can currently be purchased for approximately $119.84. How big of a company is The Hanover Insurance Group? The Hanover Insurance Group has a market capitalization of $5.08 billion and generates $5.18 billion in revenue each year. The insurance provider earns $186.20 million in net income (profit) each year or $4.74 on an earnings per share basis. The Hanover Insurance Group employs 4,600 workers across the globe. How can I contact The Hanover Insurance Group? The Hanover Insurance Group's mailing address is 440 LINCOLN ST, WORCESTER MA, 01653. The insurance provider can be reached via phone at 508-855-1000 or via email at [email protected] MarketBeat Community Rating for The Hanover Insurance Group (THG)Community Ranking: 2.1 out of 5 ( )Outperform Votes: 183 (Vote Outperform)Underperform Votes: 251 (Vote Underperform)Total Votes: 434MarketBeat's community ratings are surveys of what our community members think about The Hanover Insurance Group and other stocks. Vote "Outperform" if you believe THG will outperform the S&P 500 over the long term. Vote "Underperform" if you believe THG will underperform the S&P 500 over the long term. You may vote once every thirty days. Analyst Ratings The Hanover Insurance Group (NYSE:THG) Price Target and Consensus Rating (How are Consensus Ratings Calculated?) MarketBeat calculates consensus analyst ratings for stocks using the most recent rating from each Wall Street analyst that has rated a stock within the last twelve months. Each analyst's rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Analyst consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings from Wall Street analysts. Each stock's consensus analyst rating is derived from its calculated consensus ratings score (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.1 Wall Street analysts have issued ratings and price targets for The Hanover Insurance Group in the last 12 months. Their average twelve-month price target is $91.00, suggesting that the stock has a possible downside of 24.07%. The high price target for THG is $91.00 and the low price target for THG is $91.00. There are currently 1 buy rating for the stock, resulting in a consensus rating of "Buy."Today30 Days Ago90 Days Ago180 Days AgoConsensus Rating: BuyHoldHoldHoldConsensus Rating Score: 3.002.002.002.00Ratings Breakdown: 0 Sell Rating(s)0 Hold Rating(s)1 Buy Rating(s)0 Strong Buy Rating(s)0 Sell Rating(s)1 Hold Rating(s)0 Buy Rating(s)0 Strong Buy Rating(s)0 Sell Rating(s)1 Hold Rating(s)0 Buy Rating(s)0 Strong Buy Rating(s)0 Sell Rating(s)1 Hold Rating(s)0 Buy Rating(s)0 Strong Buy Rating(s)Consensus Price Target: $91.00$91.00$91.00$91.00Price Target Upside: 24.07% downside7.25% downside7.25% downside7.25% downsideThe Hanover Insurance Group (NYSE:THG) Consensus Price Target History The Hanover Insurance Group (NYSE:THG) Analyst Ratings History Show: Only the Most Recent Rating From Each Brokerage All Ratings For This Stock DateBrokerageActionRatingPrice TargetImpact on Share PriceDetails5/4/2018Keefe, Bruyette & WoodsUpgradeMarket Perform ➝ OutperformLow11/4/2016JMP SecuritiesReiterated RatingBuyN/A10/24/2016Sandler O'NeillInitiated CoverageBuy$88.00N/A8/3/2016BMO Capital MarketsReiterated RatingOutperform$99.00 ➝ $94.00N/A(Data available from 5/27/2016 forward) Earnings The Hanover Insurance Group (NYSE:THG) Earnings History and Estimates ChartThe Hanover Insurance Group (NYSE:THG) Earnings Estimates2018 EPS Consensus Estimate: $8.222019 EPS Consensus Estimate: $8.75QuarterNumber of EstimatesLow EstimateHigh EstimateAverage EstimateQ1 20181$1.62$1.62$1.62Q2 20181$2.09$2.09$2.09Q3 20181$1.95$1.95$1.95Q4 20181$2.56$2.56$2.56Q1 20191$2.12$2.12$2.12Q2 20191$2.10$2.10$2.10Q3 20191$1.92$1.92$1.92Q4 20191$2.61$2.61$2.61The Hanover Insurance Group (NYSE THG) Earnings History by QuarterDateQuarterConsensus EstimateActual EPSRevenue EstimateActual RevenueRelease LinkConference CallDetails5/2/2018Q1 2018$1.81$1.95$1.2511 billion$1.2646 billionViewN/A1/31/2018Q4 2017$1.85$2.00$1.1578 billion$1.1732 billionViewN/A11/1/2017Q3 2017($0.63)$0.11$1.2905 billion$1.3225 billionViewN/A8/2/2017Q2 2017$1.55$1.69$1.2962 billion$1.2661 billionViewListen5/3/2017Q1 2017$1.73$0.95$1.2225 billion$1.1868 billionViewListen2/2/2017Q416$1.50($0.46)$1.07 billion$1.0820 billionViewListen11/3/2016Q3 2016$1.78$1.83$1.2370 billionViewN/A7/28/2016Q216$1.22$1.24$1.23 billion$1.2216 billionViewListen5/4/2016Q116$1.55$1.64$1.22 billion$1.1443 billionViewN/A2/4/2016Q415$1.60$1.82$1.08 billion$1.0461 billionViewN/A10/28/2015Q315$1.44$1.61$1.21 billion$1.2335 billionViewListen7/29/2015Q2$1.41$1.56$1.31 billion$1.2971 billionViewListen4/30/2015Q115$1.00$1.27$4.71 billion$1.2150 billionViewN/A2/4/2015Q414$1.46$2.00$1.08 billion$1.29 billionViewN/A10/29/2014Q314$0.97$1.22$1.22 billion$1.2656 billionViewN/A7/31/2014Q214$1.24$1.30$1.29 billion$1.2730 billionViewN/A4/29/2014Q114$0.96$1.05$1.13 billion$1.1720 billionViewListen2/6/2014Q413$1.11$1.33$1.09 billion$1.0515 billionViewListen10/31/2013Q313$0.80$1.36$1.18 billion$1.1819 billionViewListen7/31/2013Q2 2013$0.71$1.05$1.2938 billion$1.2430 billionViewListen4/29/2013Q1 2013$1.05$1.32$1.08 billion$1.0767 billionViewListen2/6/2013Q4 2012($1.80)($1.65)$1.03 billion$1.0340 billionViewListen10/31/2012Q3 2012$0.67$0.72ViewN/A8/1/2012Q2 2012$0.19$0.22ViewN/A4/30/2012Q1 2012$0.98$1.01ViewN/A2/8/2012Q4 2011$0.78$1.00ViewN/A11/2/2011Q3 2011($0.44)($0.39)ViewN/A8/8/2011Q2 2011($0.81)($0.84)ViewN/A5/2/2011Q1 2011$0.50$0.53ViewN/A2/9/2011Q4 2010$1.00$0.95ViewN/A11/3/2010Q3 2010$0.93$0.98ViewN/A8/4/2010Q2 2010$0.04$0.04ViewN/A5/6/2010Q1 2010$0.52$0.66ViewN/A2/3/2010Q4 2009$0.99$0.83ViewN/A11/2/2009Q3 2009$0.98$0.89ViewN/A7/30/2009Q2 2009$1.02$0.86ViewN/A5/7/2009Q1 2009$0.44$0.51ViewN/A2/5/2009Q4 2008$1.14$1.17ViewN/A10/30/2008Q3 2008$0.08$0.07ViewN/A7/31/2008Q2 2008$0.95$1.09ViewN/A4/28/2008Q1 2008$1.05$1.09ViewN/A1/28/2008Q4 2007$1.12$1.20ViewN/A(Earnings results data provided by Zacks Investment Research) Dividends The Hanover Insurance Group (NYSE:THG) Dividend InformationThe Hanover Insurance Group pays an annual dividend of $2.16 per share, with a dividend yield of 1.80%. THG's next quarterly dividend payment will be made on Friday, June 29. The company has grown its dividend for the last 6 consecutive years and is increasing its dividend by an average of 10.30% each year. The Hanover Insurance Group pays out 45.57% of its earnings out as a dividend. Next Dividend:6/29/2018Annual Dividend:$2.16Dividend Yield:1.80%Dividend Growth:10.30% (3 Year Average)Payout Ratio(s):45.57% (Trailing 12 Months of Earnings) 25.26% (Based on This Year's Estimates)24.69% (Based on Next Year's Estimates)36.90% (Based on Cash Flow)Track Record:6 Years of Consecutive Dividend GrowthFrequency:Quarterly DividendThe Hanover Insurance Group (NYSE:THG) Dividend History by QuarterAnnouncedPeriodAmountYieldEx-Dividend DateRecord DatePayable Date5/15/2018quarterly$0.541.8%6/7/20186/8/20186/29/20182/27/2018quarterly$0.541.95227765726681%3/8/20183/9/20183/29/201812/5/2017quarterly$0.542.03%12/14/201712/15/201712/29/20178/15/2017quarterly$0.502.01%9/14/20179/15/20179/29/20175/16/2017quarterly$0.502.48%6/7/20176/9/20176/30/20172/21/2017quarterly$0.502.2%3/8/20173/10/20173/31/201712/6/2016quarterly$0.5012/14/201612/16/201612/30/20168/23/2016quarterly$0.469/14/20169/16/20169/30/20165/24/2016quarterly$0.466/8/20166/10/20166/24/20162/23/2016quarterly$0.463/9/20163/11/20163/25/201612/7/2015quarterly$0.4612/16/201512/18/201512/31/20158/25/2015$0.419/9/20159/11/20159/25/20155/19/2015quarterly$0.412.29%6/10/20156/12/20156/26/20152/27/2015quarterly$0.412.33%3/11/20153/13/20153/27/201512/5/2014quarterly$0.412.24%12/11/201412/15/201412/26/20148/19/2014quarterly$0.372.36%9/10/20149/12/20149/26/20145/20/2014quarterly$0.372.46%6/11/20146/13/20146/27/20142/19/2014quarterly$0.372.54%3/12/20143/14/20143/28/201412/6/2013quarterly$0.372.44%12/12/201312/16/201312/27/20138/20/2013quarterly$0.332.43%9/11/20139/13/20139/27/20135/14/2013quarterly$0.332.57%6/12/20136/14/20136/28/20132/26/2013quarterly$0.333.09%3/13/20133/15/20133/29/201312/9/2012quarterly$0.333.46%12/13/201212/17/201212/28/2012(Data available from 1/1/2013 forward) Insider Trades The Hanover Insurance Group (NYSE THG) Insider Trading and Institutional Ownership HistoryInsider Ownership Percentage: 1.30%Institutional Ownership Percentage: 85.84%The Hanover Insurance Group (NYSE THG) Insider Trading HistoryTransaction DateInsider NameTitleBuy/SellNumber of SharesAverage Share PriceTotal TransactionShares Held After TransactionDetails5/9/2018Mark Leo BerthiaumeInsiderSell1,924$117.35$225,781.403,164 5/4/2018Mark Joseph WelzenbachInsiderSell15,233$115.59$1,760,782.4730,213 2/28/2018Warren E BarnesSVPSell1,547$110.60$171,098.20 2/23/2018Warren E BarnesSVPSell1,513$108.46$164,099.986,333 11/29/2017Mark Lowell KeimInsiderSell4,966$107.80$535,334.804,966 11/7/2017Mark Joseph WelzenbachInsiderSell4,723$106.09$501,063.0729,244 11/3/2017Mark Joseph WelzenbachInsiderSell5,000$103.89$519,450.0029,521 8/25/2017Christine Bilotti-PetersonInsiderSell2,570$98.58$253,350.601,760 8/9/2017Mark Joseph WelzenbachInsiderSell9,600$97.94$940,224.0034,121 8/7/2017J Kendall HuberInsiderSell20,960$97.33$2,040,036.8034,079 8/4/2017John C RocheInsiderSell17,500$96.00$1,680,000.0042,524 2/28/2017Jeffrey M FarberInsiderBuy2,500$90.07$225,175.002,500 2/27/2017Richard W LaveyInsiderSell26,250$90.07$2,364,337.5012,285 2/27/2017Warren E BarnesVPSell3,226$90.33$291,404.585,646 8/1/2016Christine Bilotti-PetersonInsiderSell3,600$82.31$296,316.006,390 5/26/2016J Kendall HuberEVPSell35,750$86.35$3,087,012.5048,480 5/20/2016Richard W LaveyEVPSell2,500$86.65$216,625.0016,146 5/18/2016Frederick H EppingerCEOSell85,000$86.06$7,315,100.00397,283 2/29/2016Warren E BarnesVPSell2,018$84.01$169,532.187,962 2/19/2016Warren E BarnesVPSell800$83.51$66,808.007,185 2/17/2016Mark Joseph WelzenbachSVPSell6,250$82.11$513,187.5020,494 2/10/2016Robert A StuchberyInsiderSell11,500$81.99$942,885.00 2/8/2016Robert A StuchberyInsiderSell6,000$81.08$486,480.0013,800 1/22/2016Warren E BarnesVPSell653$78.18$51,051.546,385 1/20/2016Warren E. BarnesVPSell1,500$77.17$115,755.007,038 11/23/2015John C. RocheEVPSell4,513$84.70$382,251.1021,340 11/18/2015Frederick H EppingerCEOSell100,000$84.50$8,450,000.00321,102 5/6/2015Mark Joseph WelzenbachSVPSell8,606$70.09$603,194.54 5/4/2015Robert A StuchberyCEOSell14,314$71.83$1,028,174.62 2/10/2015Andrew S RobinsonEVPSell21,675$71.56$1,551,063.00 2/6/2015Mark Joseph WelzenbachSVPSell11,250$72.04$810,450.00 11/17/2014Daniel T HenryDirectorBuy5,000$69.10$345,500.00 11/7/2014Robert J MurrayDirectorSell2,300$68.98$158,654.00 11/5/2014J Kendall HuberEVPSell6,476$69.17$447,944.92 11/4/2014Gregory D TranterEVPSell4,922$68.24$335,877.28 10/31/2014J Kendall HuberEVPSell35,000$67.00$2,345,000.00 10/28/2014John C RocheEVPSell9,126$65.00$593,190.00 8/8/2014Andrew S RobinsonEVPSell13,700$60.51$828,987.00 8/5/2014Andrew S RobinsonEVPSell10,981$60.50$664,350.50 6/13/2014Mark R DesrochersSVPSell7,500$63.00$472,500.00 5/30/2014Richard W LaveySVPSell6,880$60.36$415,276.80 5/15/2014Gregory TranterEVPSell10,500$59.29$622,545.0025,235 5/5/2014Gregory TranterEVPSell18,750$58.96$1,105,500.0035,735 5/2/2014Mark Joseph WelzenbachSVPSell12,500$59.72$746,500.0026,596 4/2/2014John RocheEVPSell6,250$62.00$387,500.0017,521 3/17/2014John RocheEVPSell4,834$59.99$289,991.6617,521 3/3/2014Gregory TranterEVPSell20,000$58.06$1,161,200.0035,735 2/18/2014Mark DesrochersSVPSell5,000$59.04$295,200.008,483 2/13/2014Andrew RobinsonEVPSell25,000$57.50$1,437,500.0022,171 11/20/2013J Kendall HuberEVPSell12,500$59.45$743,125.0044,005 11/14/2013Richard LaveySVPSell7,500$60.77$455,775.0016,192 11/5/2013Gregory TranterEVPSell23,850$59.39$1,416,451.5033,263 8/9/2013J Kendall HuberEVPSell25,050$55.40$1,387,770.0056,505 8/7/2013Mark Joseph WelzenbachSVPSell7,915$54.73$433,187.9525,736 8/5/2013Gregory TranterEVPSell46,000$55.65$2,559,900.0033,263 5/10/2013Andrew S RobinsonEVPSell3,889$50.48$196,316.72 5/1/2013Gregory D TranterEVPSell40,000$49.51$1,980,400.00 (Data available from 1/1/2013 forward) Headlines The Hanover Insurance Group (NYSE THG) News Headlines Source: All Sources Trusted Sources MarketBeat.com Bloomberg MarketWatch Motley Fool NASDAQ Reuters Seeking Alpha The Street The Wall Street Journal Yahoo Finance DateHeadlineThe Hanover Expands its Surety Leadership Team to Support Growth and Momentumfinance.yahoo.com - May 24 at 5:21 PMHanover Insurance Group (THG) Announces Retirement of Longtime Chairman Michael P. Angeliniwww.streetinsider.com - May 15 at 5:33 PMThe Hanover Insurance Group Announces Retirement of Longtime Chairman Michael P. Angelinifinance.yahoo.com - May 15 at 5:33 PMThe Hanover Insurance Group, Inc. (THG) to Issue $0.54 Quarterly Dividendwww.americanbankingnews.com - May 15 at 12:18 PMMark Leo Berthiaume Sells 1,924 Shares of The Hanover Insurance Group, Inc. (THG) Stockwww.americanbankingnews.com - May 11 at 10:17 AMLangen Mcalenn Analysts Reduce Earnings Estimates for The Hanover Insurance Group, Inc. (THG)www.americanbankingnews.com - May 10 at 7:38 AMThe Hanover recognized by Forbes as one of "America's Best Mid-Size Employers"finance.yahoo.com - May 9 at 5:16 PMResearch Analysts Set Expectations for The Hanover Insurance Group, Inc.'s Q2 2018 Earnings (THG)www.americanbankingnews.com - May 9 at 8:24 AMMark Joseph Welzenbach Sells 15,233 Shares of The Hanover Insurance Group, Inc. (THG) Stockwww.americanbankingnews.com - May 8 at 1:17 PMThe Hanover Insurance Group (THG) Raised to "Outperform" at Keefe, Bruyette & Woodswww.americanbankingnews.com - May 4 at 3:16 PMEdited Transcript of THG earnings conference call or presentation 3-May-18 2:00pm GMTfinance.yahoo.com - May 4 at 8:35 AMThe Hanover Insurance Group 2018 Q1 - Results - Earnings Call Slidesseekingalpha.com - May 3 at 5:08 PMCoverWallet Expands its Innovative Insurtech Platform to The Hanover Insurance Group Agentsfinance.yahoo.com - May 3 at 5:08 PMThe Hanover Insurance Group Q1 adjusted earnings Beat Estimateswww.nasdaq.com - May 3 at 8:34 AMHanover Insurance: 1Q Earnings Snapshotfinance.yahoo.com - May 3 at 8:34 AMThe Hanover Insurance Group (THG) Issues Quarterly Earnings Results, Beats Estimates By $0.14 EPSwww.americanbankingnews.com - May 2 at 9:34 PMHanover Insurance beats by $0.24, misses on net premiums writtenseekingalpha.com - May 2 at 5:19 PMThe Hanover Reports First Quarter Net Income and Operating Income of $1.57 and $1.95 per Diluted Share, Respectively; First Quarter Combined Ratio of 96.9%; Combined Ratio Excluding Catastrophes of 91.3%; Operating Return on Equity of 11.8%finance.yahoo.com - May 2 at 5:19 PMThe Hanover Insurance Group (THG) Raised to Buy at ValuEnginewww.americanbankingnews.com - May 2 at 4:20 PMForbes Insights and The Hanover Find Less Than Half of Small Business Owners Spend Sufficient Time Assessing Their Insurance Needsfinance.yahoo.com - April 30 at 5:00 PMThe Hanover Insurance Group (THG) Scheduled to Post Quarterly Earnings on Mondaywww.americanbankingnews.com - April 23 at 5:02 AMThe Hanover Enhances Commercial Customer Service Center to Service More Specialty Linesfinance.yahoo.com - April 19 at 5:20 PMBrokers Issue Forecasts for Hanover Insurance Group Inc's Q1 2018 Earnings (THG)www.americanbankingnews.com - April 18 at 7:40 AMThe Hanover Estimates the Impact of First Quarter Catastrophesfinance.yahoo.com - April 16 at 5:06 PMHanover Insurance Group (THG) Rating Lowered to Sell at Zacks Investment Researchwww.americanbankingnews.com - April 14 at 10:43 AMHanover Insurance Group Inc (THG) Expected to Post FY2018 Earnings of $8.40 Per Sharewww.americanbankingnews.com - April 13 at 9:05 AMHanover Insurance Group (THG) Upgraded by Zacks Investment Research to "Hold"www.americanbankingnews.com - April 12 at 11:29 AMQ1 2018 EPS Estimates for Hanover Insurance Group Inc Lowered by Langen Mcalenn (THG)www.americanbankingnews.com - April 12 at 6:41 AMHanover Insurance Group (THG) Upgraded to Strong-Buy at Zacks Investment Researchwww.americanbankingnews.com - April 9 at 12:42 PMFactors of Influence in 2018, Key Indicators and Opportunity within The Hanover Insurance Group, Liberty Media, 8point3 Energy Partners LP, EnPro Industries, Universal Electronics, and Daktronics — New Research Emphasizes Economic Growthfinance.yahoo.com - April 4 at 8:42 AMThe Hanover Insurance Group, Inc. to Issue First Quarter Financial Results on May 2finance.yahoo.com - April 3 at 5:15 PMHanover Insurance Group (THG) Rating Lowered to Hold at ValuEnginewww.americanbankingnews.com - April 2 at 11:27 PMThe Hanover Insurance Group, Inc. To Hold Annual Meeting of Shareholders on Tuesday, May 15finance.yahoo.com - March 29 at 5:12 PMThe Hanover Insurance Group is Exploring Strategic Alternatives for its International Specialty Businessfinance.yahoo.com - March 28 at 5:05 PMHanover Insurance Group (THG) Lowered to "Hold" at Zacks Investment Researchwww.americanbankingnews.com - March 21 at 1:24 PMHanover Insurance Group (THG) Upgraded at ValuEnginewww.americanbankingnews.com - March 19 at 11:16 PMIncreasing Number of Motorists Are Uninsured, Putting Insured Drivers At Riskfinance.yahoo.com - March 12 at 6:18 PMFinancial Review: Travelers Companies (TRV) versus Hanover Insurance Group (THG)www.americanbankingnews.com - March 10 at 5:06 PMThe Hanover Introduces Online Tool, Allowing Agents to Quote, Bind and Issue Contractor's Equipment Policieswww.prnewswire.com - March 7 at 2:12 PMHanover Insurance Group Inc (THG) Holdings Decreased by Round Hill Asset Managementwww.americanbankingnews.com - March 6 at 9:07 AMBlackRock Inc. Has $385.15 Million Position in Hanover Insurance Group Inc (THG)www.americanbankingnews.com - March 6 at 5:02 AMBank of New York Mellon Corp Trims Stake in Hanover Insurance Group Inc (THG)www.americanbankingnews.com - March 5 at 4:54 AMChanning Capital Management LLC Invests $5.07 Million in Hanover Insurance Group Inc (THG) Stockwww.americanbankingnews.com - March 3 at 5:18 AMArizona State Retirement System Raises Stake in Hanover Insurance Group Inc (THG)www.americanbankingnews.com - March 3 at 4:26 AMInsider Selling: Hanover Insurance Group Inc (THG) SVP Sells 1,547 Shares of Stockwww.americanbankingnews.com - March 1 at 10:08 PMLiberty Mutual Group Asset Management Inc. Trims Holdings in Hanover Insurance Group Inc (THG)www.americanbankingnews.com - March 1 at 11:14 AMHanover Insurance Group Inc (THG) Holdings Reduced by Suntrust Banks Inc.www.americanbankingnews.com - February 28 at 5:46 PMHanover Insurance Group Inc (THG) Shares Sold by Sei Investments Co.www.americanbankingnews.com - February 28 at 5:24 PMEndurance Specialty (ENH) and Hanover Insurance Group (THG) Critical Contrastwww.americanbankingnews.com - February 27 at 11:18 PMInsider Selling: Hanover Insurance Group Inc (THG) SVP Sells 1,513 Shares of Stockwww.americanbankingnews.com - February 27 at 12:28 PM SEC Filings The Hanover Insurance Group (NYSE:THG) SEC Filings Form Type: All Filing Types 1 10 10-D 10-K 10-M 10-Q 11-K 12b-25 13F 13H 144 15 15F 17-H 18 18-K 19b-4(e) 19b-4 19b-7 1-A 1-E 1-K 1-N 1-SA 1-U 1-Z 20-F 24F-2 25 2-E 3 4 40-F 5 6-K 7-M 8-A 8-K 8-M 9-M ABS DD-15E ABS-15G ABS-EE ADV ADV-E ADV-H ADV-NR ADV-W ATS ATS-R BD BD-N BDW C CA-1 CB CFPORTAL D F-1 F-10 F-3 F-4 F-6 F-7 F-8 F-80 F-N F-X ID MA MA-I MA-NR MA-W MSD MSDW n/a N-14 N-17D-1 N-17f-1 N-17f-2 N-18f-1 N-1A N-2 N-23c-3 N-27D-1 N-3 N-4 N-5 N-54A N-54C N-6 N-6EI-1 N-6F N-8A N-8B-2 N-8B-4 N-8F N-CR N-CSR N-MFP N-PX N-Q NRSRO N-SAR PF PILOT R31 S-1 S-11 S-20 S-3 S-4 S-6 S-8 SBSE SBSE-A SBSE-BD SBSE-C SBSE-W SCI SD SDR SE SF-1 SF-3 SIP T-1 T-2 T-3 T-4 T-6 TA-1 TA-2 TA-W TCR TH WB-APP X-17A-19 X-17A-5 Part I X-17A-5 Part II X-17A-5 Part IIA X-17A-5 Part IIB X-17A-5 Part III X-17A-5 Schedule I X-17F-1A Ownership Filings: Include Ownership Filings Exclude Ownership Filings Only Show Ownership FIlings This page is loading this company's SEC Filings. Please wait... Social Media Financials The Hanover Insurance Group (NYSE:THG) Income Statement, Balance Sheet and Cash Flow Statement Chart The Hanover Insurance Group (NYSE THG) Stock Chart for Sunday, May, 27, 2018Loading chart… This page was last updated on 5/27/2018 by MarketBeat.com Staff


text:
DG Khan Board 9th Class Annual Result 2014
DG Khan Board 9th Class Annual Result 2014 announce here, BISE DG Khan SSC Part 1 Annual Result 2014 expected to announce in Month of August. DG Khan Board of Intermediate & Secondary education was established in 1989 to conduct the Secondary & Inter for students of DERA GHAZI KHAN DIVISION . Division of DG Khan Board comprises of four districts wich are DG,KHAN, MUZAFAR GARH,LAYYA,RAJANPUR. Land of DG Khan Board District DG Khan measuring of 103 kanals and 18 marlas was purchased in two phases in1991 & 1994 respectively for the construction of Board Complex.one year agreement with PEPCA(PVT) limited ,lahore was signed on 01-03-1997 for this purpose .


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Winn-Dixie (NASDAQ:WINN) just reported its second quarter results and apparently the cash registers have been working overtime, because despite operating with 30 fewer stores, the company was still able to squeeze out a small sales gain ( $2.098 billion versus $2.094 billion) aided by new marketing and merchandising initiatives. Both transaction count and basket size improved on a sequential basis and although identical store sales fell by .3%, identical store sales on a sequential basis, were actually 250 basis points higher than its first quarter and a whopping 470 basis points higher than what its fourth quarter produced.
Gross profit margin squeeze: unfortunately, WINN's gross profit margin (27.7%) and operating and administrative category (28.5%) both traveled 50 basis points in the wrong directions. Despite higher expenses and a lower gross profit margin, WINN was still able to beat analyst expectations for operating earnings by two cents (-.26 versus -.28). If the supermarket operator was just able to keep both of these crucial components (GPM & O&A) at the same levels as last year, its EBITDA of $24.7 million would of nearly doubled to $46 million!
Capital expenditures reigned back: WINN has decided to cuts its capital expenditure budget from $158 million to $132 million( they are deferring 15 remodels until 2012). This $26 million in decreased spending should go directly into buying back the shares in the open market, as this would act as a big confidence builder and represent nearly 10% of WINN's beaten down market cap. This could easily be done, as a $26 million commitment would represent a mere 25% of its EBITDA contribution and in the process make shareholders very, very happy!
Bottom line: the company seems to be making steady progress in the sales department , but needs to focus more on reducing costs. River Road Asset Management seems to concur; as it just went out on the line, by acquiring a significant 2.65 million share position (shouldn't we be following the smart money?) Increasing sales is the hard part, and with that firmly in progress, fatting up the gross margin and contracting operating expenses should be a top priority. Once this occurs, the bottom line will surely begin to thicken, translating to a much higher share price!
Disclosure: I am long WINN.
Disclosure: I am long WINN.


text: Pluronic, F127 (PEG-PPO-PEG, Mn = 12,500 g/mol) and reverse pluronic, 10R5 (PPO-PEG-PPO, Mn = 2000 g/mol) were molecularly modulated to reach multifunctional mixed micelle systems aiming to overcome some of the inherent weaknesses of pluronic based drug delivery systems. Targeting function was introduced by covalent attachment of folic acid to F127 (F127-FA), while quercetin was anchored to 10R5 (P-Q). The successful syntheses were evidenced by H-1 NMR, FTIR, DSC and UV-Vis. The proof-of-concept for the mixed micelles prepared from the drug anchored pluronics was demonstrated through reduced CMCs, slower release rates and increased Doxorubicin (DOX) encapsulation capacity from similar to 19% to similar to 43%. Quercetin therefore boosted the interactions of DOX with the hydrophobic core of the micelles. This was further evidenced by colloidal probe AFM which demonstrated almost doubled adhesion forces between the DOX coated probe and the quercetin modified pluronic as compared to the plain pluronic. The pre-biological essay of the DOX-modulated mixed micelle demonstrates promising properties. In addition quercetin has previously been proposed as combinatory drug to DOX enhancing its therapeutic function and reducing the side effects to normal cells.


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Laundry Queen
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13 responses
Nicolle Johnson gave props (10 Jan 2008):
great portrait. I like the soft colors.
Slimeface said (1 Apr 2008):
Cool image!
Romuald Vaisvila gave props (4 Apr 2008):
lovely portrait, nice colors!
Juliana gave props (21 Jun 2008):
I love it!))
Cj Anderson gave props (2 Aug 2008):
The dryer reminds me of the halos in medieval paintings
Marcus Hammerschmitt gave props (28 Aug 2008):
aya rosen gave props (17 Sep 2009):
I like ti a lot.
Alexander Bussey gave props (23 Feb 2010):
you certainly have a lot of talent. keep up the good work.
Jocko Benoit gave props (9 Dec 2010):
Love the centered approach and the blurred laundry in the background. A revealing and fun portrait.
Muhammad Qurban gave props (13 Jan 2012):
Beautiful portrait ... love it
Amanda Rodriguez gave props (22 May 2012):
Love this so much! Great shot :) Unique framing with the laundry it adds such a fun touch!
Tim Kirman said (16 Jun 2012):
Stunning photo and subject.
Ken Takahashi gave props (25 Feb 2013):
nice shot!
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Friday Felicities
Welcome to Friday Felicities, a meme created by Nattie – now a resident of heaven. This meme is all about creating a list of things that make you happy and Nattie knew that when you concentrate on your blessings your sorrows are not as overwhelming. Create your own list of Friday Felicities and link up over at Heather's blog, Madame Rubies.
- Cooler temps
- Long weekends
- Fellowship with other moms
- Feeling more organized
- Five weeks of school finished
- Mercy
- Grace
- Hope!
Labels: happy things


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3 day sale: 20% off everything. Use LETSSAVE20
Close up of one of the old cameras living in a box in the attic.
Taken on my Fujifilm S7000 and edited in Photoshop CS5
Exposure: 1/30secf-stop: f/2.8ISO: 200
mamiya retro camera old macro close up black and white
wonderful again
Thank you!! :-)
Beautifully done!!
Thanks Jules! :-)
I've seen quite a few Mamiya's in my time. What a beautiful shot, Chris. Love it in b/w!
Really? I think theyre getting rarer and fewer now as the years go by. Ive never even had the pleasure of using this old camera. :-(
Hi Chris. It was actually back in the mid to late 90's – saw quite a few at the camera shop I used to work at :)
Get that camera out of the attic Chris! Wonderful DoF and lighting.
Superb perspective and tones, excellent work Chris!
Love the tones and overall shot!
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i'm slowly getting over the fact that life will never be as exciting as it was when i was 15 and 16 years old.
working 6-close tomorrow. which is cool cuz i got most of the day to chill.
halloween is 4-close. probably will be mad busy.
today was hella busy. good thing i didnt close. i went in, and shit was off the screen. i stuck around till 10 though. doug got me beer 🙂 i got paid too, $522.51. i had to cash it cuz i needed money to get gas. its easier to make bank deposits with just checks anyway instead of money
i swear.. when i visit new york in march.. i'm totallyyyyyyyyy smoking a fucking blunt!
awesome song
coco playing with tape. when he sat still with it between his paws, you cant see because hes all black but he was looking right at me.
silly kitties ❤


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Other ads of seller Fairlee Service Station Isle of Wight


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Cookie Dough Ice Cream
It was finally time to make something for my dear husband, poor guy. He had to wait this long for me to make something for him! He should've been the first recipient of all this ice creamy goodness but his request was not one for the first timer - or so I thought. Searching the Internet, I happened on this recipe. A recipe for imitating Ben & Jerry's Chocolate Chip Cookie Dough Ice Cream.
This recipe had the usual base and so starting this recipe turned out not to be so bad at all. So I heated up the cream and eggs, etc. as usual on the burner and set aside the egg yolks and sugar for beating in my mixer.
While the cream was heating up, I started work on the cookie dough. Rather than make the dough myself (which I seriously thought to do so that I could like the bowl) I caved into my laziness and bought a tub of none other than Nestle Toll House Cookie dough from the market.
I measured out a cup and a half and then...
...proceeded to make little quinels of cookie dough.
BIG MISTAKE! These quinels, though small as they may seem right now, later turned out to be HUGE in the container. It made for very very tough scooping of the ice cream since that dough is very hard to cut through with a spoon when frozen - especially a plastic spoon!
Anyway, I digress. After putting the basic base into the bowl, you let that thing run and don't add the cookie dough in until 5 minutes before it's done.
This, we also would do differently only to get a better distribution of cookie dough in the ice cream. My husband suggested that I don't add the cookie dough into the machine, but to layer the ice cream and the cookie dough manually when putting the the ice cream into the containers. I think I will try that next time...with SMALLER PIECES! I'm telling you, the cookie dough bites were huge. Despite, things came out great and even the co-workers loved it...after having to break through a few plastic spoons that is. =)


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Two Army women joined almost 60 other women since 1999 to complete the Army's elite–and tough–SAPPERS combat leadership course.
1stLt Audrey Moton and 2ndLt Carley Turnnidge knew it would be tough, of course. According to comments following the news story, 5-10% of each class is comprised of women. The failure rate for both women and men is 40%.
"Moton trained vigorously to get in shape before she ever got to the course and believes she and Turnnidge actually motivated the men. 'They'd think, "Wait, I don't wanna get beat by a girl."' 'Well, then run faster," she said. "I'm not going to stop."
Turnnidge finished a competitive swim and then had to go back and drag her exhausted partner back across the lake.
The great majority of comments on this article were positive. My favorite was:
"I have no problem with females in wars if thats what they want. I do have a problem with the media making a big deal about it. If females want to be equal why do they promote their accomplishments seems like they would should just blend in instead of needing to say see some of us can do what males do. As long as they keep it in the news they are confirming the stereotype of [what] males and females [can do.]"
This blog is media. So why is this story here? …Because I hope it will become part of the archive of the commonplace and obsolete.