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Frank Glennon Limited
Terms of Business Including Schedule of Fees & Charges for Northern Ireland & Great Britain
These Terms of Business are intended to give you important information concerning our approach to arranging insurances for customers and how we will
handle your insurance. Our intention in issuing this document is to establish clearly and concisely with you the basis and extent to which we will provide
you with services in relation to general commercial and personal insurance and to provide you with more general information on our services. If we
make a material change to our terms of business, which affects you, we will provide you with details of the change as soon as possible. We are required
by the Central Bank of Ireland to give you this document. We would therefore urge you to read this document carefully and use the information to decide
if our services are right for you. If you do not wish our relationship to be governed in such a manner you need to advise us in writing before we proceed
to arrange the insurance.
This document takes effect for all new customers from the 1st June 2019 and for all existing customers from their policy renewal date falling due on or
after the 1st June 2019 or whenever it is received (whichever is the later) and supersedes any Terms of Business that may have been previously issued to
you by us. In this document "we", "us" and "our" means Frank Glennon Limited.
Please note that in order to avail of any product or service through Frank Glennon Limited it is a condition that you agree to the terms of these Terms of
1. Our Status
1.1. Frank Glennon Limited trading as "Glennon", "Glennon Insurances", "AIC Glennon", "Glennon International" and "Glennon B2B" is a
professional firm of Insurance Brokers and Consultants and carries on their business at Charlemont House, Charlemont Place, Dublin 2,
Republic of Ireland; E-mail; email@example.com. We are registered in Ireland in the Companies Registration Office under company number
14385 and are a member of the Galesburg Securities Group of Companies.
1.2. We are registered with the Central Bank of Ireland as an Insurance Intermediary under the European Communities (Insurance Distribution)
Regulations, 2018, which can be verified on the Insurance Distribution Register, available at www.centralbank.ie.
1.3. Frank Glennon Limited, trading as "Glennon", "Glennon Insurances", "Glennon International", and "Glennon B2B", is authorised by the
Central Bank of Ireland and is subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by
the Financial Conduct Authority are available from us on request.
2. Statutory Codes
2.1. The Home State of Frank Glennon Ltd. is Ireland. The Regulatory system of Ireland is different to the UK Regulatory system including
arrangements for compensation and how complaints are handled.
2.2. We are subject to and comply with the provisions of the Consumer Protection Code, Minimum Competency Code and the Fitness and Probity
Standards as laid down by the Central Bank of Ireland. See their website for further details (www.centralbank.ie).
3. Our Services
3.1. The services which we will provide are:
(a). Advice in relation to the nature of non–life insurance policies and which of these policies are suitable for your needs;
(b). Identifying and selecting a suitable Insurer through fair analysis of the market on the basis of a sufficiently large number of contracts and
product producers available on the market to enable us to make a recommendation, in accordance with professional criteria, regarding
which contract would be adequate to meet your needs;
(c). In certain market segments:
3.1.c.1. We will perform a limited analysis of the market for instance we might only approach a panel of Insurers (a set of Insurers
selected and reviewed regularly based on a variety of factors); or
3.1.c.2. We may only approach a single Insurer and in these circumstances we will advise you of this fact and will not provide any
advice to you regarding comparable products;
(d). In respect of all insurance products and services that we arrange we are under no contractual obligation to conduct insurance business
exclusively with any one Insurer;
(e). Receiving and transmitting orders on your behalf for a policy to one or more Insurers; and/or
(f). Advice and assistance in processing claims against Insurers under insurance policies arranged by us on your behalf.
3.2. A list of product producers with which we hold an appointment in writing is available on request.
3.3. We place insurance policies with Insurers licenced and/or approved to underwrite such policies and who are regulated by the Central Bank of
Ireland or the Financial Regulator of the country in which they are established.
3.4. We do not, in any circumstances, assess, guarantee or otherwise warrant the solvency of any insurer with whom we place such policies. As a
consequence the suitability of any insurer rests with you. If you have any concerns regarding any Insurers chosen for your insurance
requirements you must advise us as soon as possible and we will discuss them with you.
4. Ethical Business Practice
4.1. We do not tolerate unethical behaviour either in our own activities or in those with whom we seek to do business. We will comply with all
applicable laws, rules, regulations and accounting standards.
5. Written Communications
5.1. You acknowledge that, to the extent permitted by applicable law, we may communicate with you in respect of your policy in electronic form
(e.g. by fax, email, SMS or by posting secure notices on our website). You agree that we can communicate and contract with you using
electronic means (e.g. by email, SMS, etc.). Should you not wish to communicate or contract with us via electronic means please either tick
this box [ ] if corresponding by post and return it to the Customer Service Manager, Frank Glennon Limited, Charlemont House, Charlemont
Place, Dublin 2, Republic of Ireland or otherwise email us at firstname.lastname@example.com and upon receipt of your preference we will continue to send
correspondence to you using standard post.
5.2. Electronic mail transmission from Glennon is confidential and intended only for the person to whom it is addressed. Should an email be
received by you in error please contact us at email@example.com.
5.3. Cover instructions received by Glennon by electronic mail have no validity until confirmed by Glennon.
5.4. Any unauthorised form of reproduction of email communication is strictly prohibited.
5.5. By engaging in these methods of communication we and you accept the inherent risks (including the security risks of interception of or
unauthorised access to such communications, the risks of corruption of such communications and the risks of viruses or other harmful
devices). Notwithstanding that we have reasonable virus checking procedures on our system, you will be responsible for virus checking all
electronic communications sent to you. You will also be responsible for checking that messages received are complete. In the event of a
dispute neither of us will challenge the legal evidential standing of an electronic document and the Glennon system shall be deemed the
definitive record of electronic communications and documentation.
6. Website
6.1. Our website is www.glennons.ie and while we use reasonable efforts to include accurate and up-to-date information on our website, errors or
omissions sometimes occur. To the fullest extent permissible under applicable law, we make no warranties or representations as to the
accuracy of the content of our website and under no circumstances, including, but not limited to, negligence, shall we or any party involved in
creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that
result from the use of, or the inability to use, the materials on our website.
6.2. We assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other
property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or
audio from our website.
6.3. We do not guarantee the accuracy, completeness or correctness of any information on our website. You agree that use of the site and its
contents is entirely at your risk and to the extent permitted by law, all warranties or conditions that would, but for the terms of this disclaimer,
be implied by statute or otherwise, are excluded.
7. Full Disclosure
7.1. When seeking a quotation and/or arranging, amending or renewing a policy the information you provide must be true in every respect and
you must not withhold or misrepresent any material information on an ongoing basis.
7.2. Material information is any information; which you know or ought to know; that an Insurer would regard as likely to influence their
assessment or acceptance of the insurance.
7.3. Deliberate or reckless withholding or misrepresentation of material information can lead to your Insurer voiding your policy and refuse all
claims, and they need not return any of the premium paid. Where the withholding or misrepresentation of material information is not
deliberate or reckless it can lead to your Insurer either;
(a). where had they been aware of the material information and would therefore not have entered into the contract on any terms, the insurer
may avoid the contract and refuse all claims, but will return the premiums paid;
(b). If the insurer would have entered into the contract, but on different terms (excluding terms relating to the premium), the contract would
be treated as if it had been entered into on those different terms if the insurer so requires;
(c). If the insurer would have entered into the contract (whether the terms relating to matters other than the premium would have been the
same or different), but would have charged a higher premium, the insurer may reduce proportionately the amount to be paid on a claim.
7.4. Also note that withholding or mispresenting material information can where your policy is a Home Insurance policy result in a possible
breach of the terms and conditions attaching to any loan secured on the property as well as impact on your ability to purchase insurance in the
7.5. If you are in doubt as to whether or not any such information is material, you should disclose it or contact Glennon for guidance.
7.6. This information includes, but is not limited to, age, occupation, claims, medical details or history, convictions, disqualifications, pending
prosecutions, endorsements and for motor insurance, type of driving licence, penalty points, NCT, driving history and vehicle details.
8. Change in Circumstances
8.1. You will advise us as soon as reasonably practicable of any changes in your circumstances that may affect the services to be provided by us
or the cover provided under your insurance policy.
9. Call Recording
9.1. All telephone calls including outbound calls may be recorded and monitored for regulatory, quality and training purposes.
10. Client Money
10.1. We adhere to all regulatory requirements concerning the keeping of client money separate from our own money. We do this by lodgment
into a designated 'Client Premium Account'.
10.2. We will treat any balances held by us for you in accordance with our practices. This means that client money will be held separately from our
own money. Please note that your money may be transferred to another person or party in another jurisdiction (such as another insurance
broker) where such transfer is required in order to carry out services to you.
10.3. We accept payments in cash, by cheques, by electronic fund transfer and by credit / debit card in respect of all classes of insurance in the
circumstances permitted under the Insurance Distribution Regulations, 2018. We are not authorised to accept cash or negotiable instruments
in any other circumstances.
10.4. When paying premiums you must specify the policy (or policies) to which payment applies. In the absence of your specific instructions, we
reserve the right to allocate the payment against any outstanding premium.
10.5. In order to protect your interests; when handling client monies we are required by law to act as agent for the insurer. This means when you
pay us a premium it is taken as being received by your insurer and when we receive a payment from your insurer to give to you it is not taken
as being paid until you receive it.
10.6. When we do act as agent for your Insurer you should note that once we have received premium from you we may not be able to return such
monies to you without the express consent of your Insurer even if you cancel your policy.
11. Our Remuneration
11.1. We may receive commission from Insurers with whom we arrange your insurance policy; details of which are available on request; and which
will not be offset against any commission fee we charge either in full or in part.
11.2. In addition we may also receive additional commission payments from certain Insurers which can be based on factors such as profitability,
premium volume and/or growth and for services provided to Insurers
11.3. We may also receive administrative or consultancy fees which may be paid or allowed by Insurers for:
(a). Arrangements under which we seek to improve and facilitate the cover provided by Insurers to Insured customers by benchmarking and
enhancing the product offered by Insurers;
(b). Arrangements to maximise the risk appetite of Insurers for particular classes of business in order to better meet the requirements of
(c). Financial management, business processing and policy administration or other service (supplementary to services we furnish to you)
provided direct to Insurers.
11.4. Glennon will also charge you a brokerage fee for the services provided in accordance with the undernoted schedule of fees and charges.
Schedule of Fees and Charges
Personal Clients
(a). Arranging or renewing the proposed policy up to £100
(b). Arranging an alteration on, or providing a service in connection with, the proposed policy up to £60 per transaction.
Business Clients
(a). A fee of up to a maximum of 30% of the premium applicable (including levies/taxes) for arranging or renewing a policy subject to a
minimum of £500 or as otherwise agreed for the product or services provided.
(b). A fee of up to a maximum of £100 per transaction for arranging an alteration on, or providing a service in connection with, a policy.
(c). A fee of up to £75 per request for issuing any duplicate documentation.
(d). A fee of up to £175 per hour for advising on the management and settlement of claims.
(e). A fee of up to £200 per hour for advising on the insurance implications of contracts, leases and similar documentation.(f). A fee of up to £150 per request for checking the insurances of any third party. Outlay such as travel and subsistence will be charged in
addition at its actual cost.
(g). A fee of up to a maximum of 3% of the premium applicable (including levies/taxes) for the cost of compliance with applicable
11.5. We reserve the right to amend these brokerage fees should the complexity of the product or services require a higher commission fee. We will
confirm and agree this brokerage fee with you prior to any increased charge being applied.
11.6. Commission and brokerage fees are earned for the period of the contract and we will be entitled to retain all brokerage fees in respect of the
full period of the contract in relation to contracts placed by us.
11.7. It may at times be appropriate (and for your benefit) for us to use other parties such as another insurance broker, wholesale broker,
underwriting managers, managing general agent or reinsurance broker. These parties may also earn and retain commission and/or brokerage
fees for their role in providing products and services to you for which we are not privy.
11.8. In the ordinary course of business we may also receive interest on Client and Insurer monies from the date we receive the funds until we settle
with those due to receive them. We confirm that we shall retain that interest rather than pay it to you or the Insurer (as the case may be).
11.9. We reserve the right to recover reasonable travel or subsistence expenses incurred by us where such expenses are incurred wholly and
exclusively for the purpose of providing the services to you provided that any request for reimbursement is in for the form of a proper invoice
accompanied by appropriate receipts.
12. Non-Payment of Premium
12.1. You agree to pay all premiums and other charges on or before the due date as set out in the documentation we issue you.
12.2. Should the premium or any instalment of it remain unpaid by the due date, the insurance contract may be cancelled by us or by your insurer in
accordance with any cancellation clause in the policy.
12.3. In some cases your Insurer may impose a premium payment warranty or condition which requires you to pay your premium within a
stipulated time frame. If applicable and you do not think you will be able to comply with this warranty or condition please contact us
13. Over Payment to Glennon
13.1. Where we receive any over payment, which is any amount that exceeds any premium or fee due to the Company, we will issue a refund
cheque for such over payment where the over payment is equal to or greater than £2.00. Any overpayments where the amount is less than
£2.00 will be accumulated and donated to a Charity of our choice in a lump sum at the end of each year.
14. Proposal Form / Statement of Fact
14.1. To incept your contract of insurance:
(a). Some Insurers will require you to complete and sign a Proposal Form, Questionnaire or similar document.
(b). Other Insurers will issue you with a Statement of Fact based upon information which you provide to us, which must be true and complete
with no material fact misrepresented or withheld by you.
14.2. This Proposal Form or Statement of Fact will form the basis of your insurance contract with an Insurer.
14.3. We will advise you in this process but are not able to complete the document on your behalf save where we pre-populate (either partially or
fully) the document based on information provided by you.
14.4. In either case, you must review the information in these documents carefully before entering into a contract of insurance and advise us
immediately if any of the information requires amendment.
15. Demands and Needs Statement
15.1. For consumers as defined in the Financial Conduct Authorities Handbook prior to providing, arranging or renewing a product or service, we
will issue you a Demands and Needs Statement which will set out the reasons why the product(s) or service(s) being offered or recommended
to you are considered to be suitable for your needs and objectives; personal circumstances; and financial situation based on the information
you have provided to us including for policies arranged via our website and with each New Business Quotation and Renewal Invitation Pack.
15.2. Where immediate cover is required a Demands and Needs Statement will be issued immediately after the policy has been arranged. You must
read this statement to satisfy yourself that the cover offered by the policy selected fully meets your requirements. See the section on CoolingOff Period – Right of Withdrawal in the Consumer Distance Sales Information attached.
16. Policies
16.1. Any insurance arranged by Glennon is subject to all the terms, conditions and exclusions of the policy of the Insurer selected.
16.2. You must read the Insurer's policy which you have been given or which is available on request from us; or in respect of Motor and Home
policies which can be viewed in our Information Centres on our Website; in order to satisfy yourself that the cover offered by the policy
meets with your requirements.
17. Claims
17.1. You are responsible for notifying claims or potential circumstances that may give rise to a claim in accordance with your insurance contract.
17.2. To ensure full protection under your policy or similar documentation you should familiarise yourself with the coverage, conditions or other
procedures immediately relating to claims and to the notification of those claims. Failure to adhere to the notification requirements,
particularly timing, as set out in the policy or other coverage document, may entitle Insurers to deny your claim.
17.3. In presenting a claim it is your responsibility to disclose all facts which are material to the claim. Claims may be made against certain policies
long after they have expired. It is important therefore, that you keep your policy documents in a secure place.
17.4. All claims, or any circumstance that may give rise to a claim, should be reported immediately to us. If you are in any doubt as to whether or
not a matter should be reported, please contact us and we will be happy to discuss with you.
17.5. It is generally the case that claims may become unenforceable by way of legal proceedings (or in some jurisdictions, completely
extinguished) if they are not pursued by legal proceedings commenced within the relevant limitation period applying to your claim in the
jurisdiction in question. It is your responsibility to monitor the position on limitation periods applying to your claims and to commence legal
proceedings in relation to your claims "standstill" or "tolling" agreements in order to suspend the applicable relevant limitation periods, where
this is desirable. Glennon will not commence legal proceedings or enter into standstill/tolling agreements on your behalf, nor will Glennon
advise you if and when to do so. On these issues we recommend you take your own legal advice.
17.6. We will provide a claims broking service to you as long as you remain our client. However, if you cease to be our client but request us to
continue to services any claims(s) on your behalf, we reserve the right to charge a specified fee to you for such services.
18. Variation
18.1. You agree that we have a right to amend this document by sending you either a notice of amendment in writing or a revised Terms of
Business Agreement. Any amendment will apply in respect of any service transaction entered into by us after notice of the amendment is
given, and may take effect either immediately or at such later date as the notice may specify. Any such amendment shall not affect any rights
or obligations of either of us already accrued.
19. Sanctions
19.1. The sanctions profile of different business (es) may differ on the basis of a number of complex factors, which may include business activity,
type of good or product, nationality, ownership, control, and geographical location(s) of the parties involved. As regards the applicability of
sanctions regimes, we are unable in any circumstances to give you legal or regulatory advice, nor can we guarantee or otherwise warrant the
position of any Insurer under existing or future sanctions regimes. As a consequence, applicable sanctions remain a matter for you and youshould take such legal advice as you deem appropriate in this regard. You should inform us of any insurance requirements you have which
touch upon or are linked to sanctioned territories.
19.2. We will comply with all applicable sanctions regimes (whether currently existing or implemented in the future) and you are advised that
where obliged by applicable sanctions legislation we may have to take certain actions which include but may not be limited to:
(a). freezing of the account concerned; and/or
(b). refusing to handle or administer a claim which would benefit (directly or indirectly) a sanctioned entity or person, subject to exemption or
obtaining a licence (which we might not get) or,
(c). refusing to administer the renewal of an existing insurance contract which would benefit (directly or indirectly) a sanctioned entity or
person, subject to exemption or obtaining a licence (which we might not get).
19.3. We cannot be held responsible for the actions of third parties (including but not limited to banks and exchange institutions) who may have
their own sanctions policy, restrictions and constraints.
20. Conflicts of Interest
20.1. It is our policy to avoid any conflict of interest when providing business services to our clients, however this agreement will not prevent us
from acting for other Clients who may be your competitors or with whom you have business dealings.
20.2. Where an unavoidable conflict of interest does arise we will explain the situation fully and if there is no practicable solution, we will
withdraw unless you wish us to continue to act for you and provide us with your written consent to that effect.
21. Default Remedies
Default by you:
21.1. All insurance policies are arranged on the express condition that pending receipt of the premium from you, we reserve the right,
notwithstanding delivery of a policy, insurance certificate or receipt to you, to cancel the policy, obtain a refund from the Insurers and apply
same in reduction of the amount due from you.
21.2. We will, if necessary, exercise our legal rights to receive any payments due to us from clients for services provided by us and to be
reimbursed for any value obtained by us for clients arising from payments by us on behalf of clients who subsequently default on any
payment due to us. Insurers may withdraw benefits or cover on default of any payments due under any policies arranged for your benefit or
on failure by you to accurately provide all material information in relation to such insurance policies.
Default by Glennon:
21.3. In the unlikely event that we cannot meet our liabilities to you any monies paid by you to us for an insurance policy are deemed to be
accepted by the Insurer with whom we have arranged your insurance.
22. Investor Compensation Act, 1998
22.1. The Investor Compensation Company Ltd. (ICCL); established under the Investor Compensation Act, 1998; operates a compensation
scheme; which we are a member of; that provides for the payment, in certain circumstances, of compensation to certain clients of member
firms, as defined in that Act.
22.2. Compensation may be payable where money owed to clients and held, administered or managed by the firm cannot be returned to those
clients for the time being and where there is no reasonably foreseeable opportunity of the firm being able to do so.
22.3. Where an entitlement to compensation is established, the compensation payable will be the lesser of 90% of the amount of the client's loss
which is recognised for the purposes of the Investor Compensation Act, 1998; or compensation of up to €20,000. For further information,
contact the Investor Compensation Company Ltd. at (01) 224 4955.
23. Irish Brokers Association Compensation Fund Limited
23.1. As a member of the Brokers Ireland, Frank Glennon Limited is also a member of the Irish Brokers Association Compensation Fund Limited
Subject to the rules of the scheme, the liabilities of its member firms up to a maximum of €100,000 per client (a maximum €250,000 in
aggregate for member firms) may be discharged by the Fund on its behalf if the member firm is unable to do so, where the above detailed
ICCL (established by law) has failed to adequately compensate any client of the member.
24. Client Instructions through Third Parties
24.1. Clients sometimes authorise third parties to give us instructions (usually by telephone, fax or e-mail) to alter their policies (such as a motor
dealer instructing us to make a vehicle change) or to seek information on their policy (such as a Building Society seeking information on the
building sum insured). It is our practice in such circumstances to accept such instruction and/or provide such information in good faith as a
facility to our clients. However, in such circumstances we do not accept liability for any loss, damage or injury arising out of any error or
incorrect instruction given or providing any information where the request for information is invalid.
24.2. If you do not wish us to accept such instructions and/or provide information on your policy from and/or to any person other than as authorised
under the Data Protection Acts, please email firstname.lastname@example.com or if corresponding by post please tick here [ ] and return it to the Customer
Service Manager, Frank Glennon Limited, Charlemont House, Charlemont Place, Dublin 2, Republic of Ireland.
25. Complaints
25.1. Glennon are committed to providing high quality customer service. If you have any complaint in relation to the services provided by us you
should write to our Customer Services Manager outlining the nature of your complaint. Any such complaint will be acknowledged as soon as
possible but not later than five business days from the date of receipt informing you of the contact person who will deal with your complaint.
25.2. Your complaint will be fully investigated and we will provide you with progress updates at intervals of not more than twenty business days.
We will aim to provide a full response to you as quickly as possible but not later than forty business days from the date of receipt of your
complaint or if circumstances dictate such longer period of which you will be informed in writing.
If your complaint is not resolved to your satisfaction and you remain dissatisfied with our final response to your complaint you can refer your
complaint to The Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, Republic of Ireland; Tel: +353 1
567 7000; Email: firstname.lastname@example.com, website: www.fspo.ie.
25.3. You may also refer your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR; Tel 0845
080 1800; Email: email@example.com but must do so within 6 months of the date of our final decision.
25.4. Your right to take legal action is not affected by following any of the above procedures.
26. Limit of Liability
26.1. To the extent permitted by law, Glennon and/or our affiliates' aggregate liability for breach of contract, negligence, breach of statutory duty
or other claim arising out of or in connection with this Agreement or the services provided hereunder shall be limited as
(a). In respect of personal injury or death caused by our negligence, no limit shall apply;
(b). In respect of any fraudulent acts (including theft or conversion) or wilful default by us, no limit shall apply;
(c). In respect of other claims, our total aggregate liability shall
(d). be limited to the sum of EUR €5 million; and
26.2. Subject to clauses (a) and (b) above, in respect of the following losses: loss of revenue; loss of opportunity; loss of reputation; loss of
profits; loss of anticipated savings; increased costs of doing business; or any other indirect or consequential loss, we will have no liability in
any circumstances.
26.3. Your direction to bind coverage and/or your payment related to your insurance placement will be deemed your signed, written agreement to
be bound by the provisions of this section.
27. Termination
27.1. Either of us may terminate this Agreement upon the giving of one month's notice in writing to the other or as otherwise agreed.
27.2. Termination will not in any event affect accrued rights, existing commitments or any contractual provision intended to survive termination
and will be without penalty or other additional payment save that you will pay:
(a). Any outstanding amounts due to us and/or to Insurers with whom we have placed insurances on your behalf; and
(b). Any additional expenses necessarily incurred by us in settling or concluding outstanding obligations.
27.3. With effect from the date of termination, we shall have no further obligation to perform any of Our Services and all sums payable by you to
us and/or your Insurer shall become due and payable.
28. Force Majeure
28.1. We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations that is caused by events
outside our reasonable control ("Force Majeure Event"). A Force Majeure Event includes any act, event, non-happening, omission or
accident beyond our reasonable control.
28.2. Our performance of this Agreement is deemed to be suspended for the period that the Force Majeure Event continues, and we will have an
extension of time for performance for the duration of that period. We will use our reasonable endeavours to bring the Force Majeure Event to
a close or to find a solution by which our obligations may be performed despite the Force Majeure Event.
29. Waiver
29.1. If we fail to insist upon strict performance of any of your obligations under these Terms of Business, or if we fail to exercise any of the rights
or remedies to which we are entitled under these Terms of Business, this shall not constitute a waiver of such rights or remedies and shall not
relieve you from compliance with such obligations.
29.2. A waiver by us of any default shall not constitute a waiver of any subsequent default. No waiver by us of any of the terms of this Agreement
shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing by our authorised personnel.
30. Severability
30.1. If any of the terms of this Agreement are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such
term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid
to the fullest extent permitted by law.
31. Entire Agreement
31.1. This Agreement and any document expressly referred to in it constitutes the whole agreement between us and supersedes and replaces any
previous arrangement, understanding or agreement between us relating to the subject matter of this Agreement.
32. Governing Law
32.1. This Agreement is subject to the laws of Ireland and the Irish Courts and will have exclusive jurisdiction over any dispute.
33. Compliance
33.1. We will pay due regard to, and you agree to co-operate with us to ensure compliance with, any legislative and regulatory requirements
relating to the provision of Our Services.
34. Anti-Corruption, Anti-Bribery and Anti-Fraud
34.1. We will not be involved in the offering, promising or giving of any financial or other advantage to any person in breach of any law against
bribery, corruption or fraud.
34.2. We maintain anti-corruption / bribery / fraud policies and procedures which seek to prevent corruption / bribery or fraudulent offences and
will take any and all actions to comply with such laws, policies and procedures.
34.3. The Association of British Insurers have estimated that the cost of insurance fraud to be in excess of £1 billion each year. This is a cost which
is ultimately carried by innocent, law-abiding consumers and policyholders. In the interests of our customers and the integrity of the market
we adopt a zero tolerance approach to fraud in all its forms. We undertake our own quality control and fraud detection measures. Where we
identify suspected fraudulent activity we reserve the right to report these suspicions to Insurers or any other relevant authority.
Data Protection Privacy Notice
1. This privacy notice tells you how we use your information and confirms that your Data Controller is Frank Glennon Limited ("we", "us", "our"),
Charlemont House, Charlemont Place, Dublin 2, Republic of Ireland. Email: email@example.com.
2. Our Data Protection Officer is contactable by email at: firstname.lastname@example.com or write to The Data Protection Officer, Frank Glennon
Limited, Charlemont House, Charlemont Place, Dublin 2, Republic of Ireland.
3. This Data Privacy Notice (Notice) is an important document. Please read it carefully. It is also available on our website at www.glennons.ie/termsand-conditions/. If you would like a printed copy, please contact firstname.lastname@example.com and we will send you a copy.
4. "Data Controller" and "Personal Data" have the meaning given in the General Data Protection Regulations 2016.
5. How and Why We Use Your Personal Information
5.1. Personal data provided by you or by others will be used by us, and your insurance company (where applicable), for the provision and
administration of insurance products, related services and for statistical analysis.
5.2. Should you be unable to provide us with the required personal data, we will be unable to provide you with insurance or process a claim.
5.3. Legislation and various codes of conduct require us to gather additional information from and about you. For example, we gather information
about you and the risk you wish to insure to comply with the Insurance Conduct of Business Rules.
5.4. We will use and share certain personal data for the performance of the contract or to take steps prior to entering into the contract of insurance.
The following processing activities are used for this legal purpose:
(a). Providing a quotation,
(b). Arranging and administering a policy,
(c). Handling a claim,
(d). Handling a third party claim,
(e). Sharing details with or seeking personal information from your Insurer (if applicable) and anyone authorised by you to act on your
(f). Sharing details with or seeking personal information from loss adjusters, repairers and other claims handling agents, medical
practitioners, engineers and legal practitioners.
5.5. We will use and share certain personal data so as to comply with certain legal obligations and regulatory requirements. The following
processing activities are used for this legal purpose:
(a). To verify your identity and verify the accuracy of the information we receive,
(b). To process any payments whether in relation to your policy or a claim,
(c). To manage and investigate any complaints,
(d). To comply with laws and regulations,
(e). To make back-ups of your data in case of emergencies and for disaster recovery purposes.5.6. We will use and share certain personal data for legitimate business interests. The following processing activities are used for this legal
(a). Risk management, auditing and the provision of legal advice which are key governance functions to protect our business,
(b). Checking information provided ensures accuracy which contributes to effective administration of insurance products and services,
(c). Prevention and detection of fraud to help protect the business and the insurance market,
(d). Direct marketing of our other products and services by post, telephone (including mobile), e-mail or other means of communication
which might be of interest to you.
(e). Market research, competitions, customer satisfaction surveys, and data analytics, including profiling, to develop and enhance the
customer relationship and journey as part of our business strategy,
(f). We may record or monitor calls for regulatory, training and quality purposes,
(g). We may also share with or seek information from a number of external parties in order to administer your policy and to prevent and
detect fraud. For example:
5.6.g.1. Other insurance companies and intermediaries to confirm information provided and to safeguard against non-disclosure and
help prevent insurance fraud,
5.6.g.2. Anyone authorised to act on your behalf,
5.6.g.3. Our Third Party Service Providers such as technology suppliers, hosting/storage providers, payment providers and document
5.6.g.4. As a result of our legal and regulatory obligations. This can include with the PSNI, other official agencies and on foot of a
Court Order or Subpoena,
5.6.g.5. Our subsidiary companies to deliver our products and services and fulfil our operating entity responsibilities.
5.6.g.6. Loss adjusters, claims investigators, repairers, medical practitioners, solicitors and other firms as part of the claims handling
5.6.g.7. With prospective sellers or buyers in the event that we decide to sell or buy any business or assets.
(h). Where we obtain data from the above sources, the categories we obtain will be personal data or claims information relating to insurance
profiling, claims handling and fraud prevention.
5.7. We may need your consent for the processing of certain data and in these cases, we will inform you of such processing and the reason for this
at the time consent is captured.
5.8. In order to provide you with our products & services, we may share your personal information with third parties as set out in 5.6(g) above and
on occasion, some of your personal information may be sent to third parties outside of the European Economic Area (EEA). We would only
do this in compliance with the appropriate legal and technical safeguards such as the standard data protection clauses adopted by the
European Commission; as a result of an adequacy decision of the European Commission; or where the transfer is necessary for the conclusion
or performance of a contract concluded in your interest between us and another natural or legal person; for example your employer in a NonEEA country.
5.9. In all of these processing activities, your interests are considered and we ensure that necessary safeguards are in place to protect your privacy,
such as contracts in place with third parties, restricted access to data, regular testing and evaluation of technical and organisational security
measures, retention limitations etc.
6. Representation
6.1. The accuracy of the personal data you provide to us is paramount to the provision of valid insurance and administration services.
6.2. Accordingly, when you provide us with personal data, you warrant and represent to us that in respect of any personal data of any data subject
which you provide to us you have the authority of the relevant data subject(s) to disclose such personal data to us and that all such data is
accurate, complete and up to date.
6.3. You also warrant that you will make them aware of this Data Protection Notice and the terms of the insurance (including changes to the terms
or processing activities).
7. How Long We Keep Your Personal Information
7.1. Information submitted for a quotation, which does not result in the issue of a quotation pack, may be retained by us for a period of up to 2
years from the date of the quotation.
7.2. All information in respect of a quotation, which does result in the issue of a quotation pack, and in respect of a policy arranged and
administered by us (to include all call recordings and claims on the policy) will be held for 8 years after the ending of our Client/Broker
relationship to ensure we meet our regulatory obligations.
7.3. There are certain policies where we need to keep data for longer than the normal periods where we may receive claims where the claimant
was not aware of the injuries until a long time after it was caused.
8. Your Rights In Relation To Your Personal Information
8.1. You have the right to request a copy of your personal data, and to have incorrect personal data about you corrected.
8.2. Where we required your consent to process your personal data you have the right to withdraw your consent for such processing.
8.3. You also have the right to have your personal data erased, object to certain processing activities, or to have the processing restricted.
8.4. You have the right to data portability for insurance purposes.
8.5. If you would like to exercise any of these rights, please email a request to firstname.lastname@example.com or write to us at the address
contained in Section 2 of this notice. To ensure that we do not disclose your personal information to a party who is not entitled to it, when you
are making the request please provide us with:
(a). Your name;
(b). Address(es);
(c). Date of birth;
(d). Any policy IDs or reference numbers that you have along with a copy of your photo identification and proof of address.
8.6. All requests are free of charge although we reserve the right to charge an administrative fee for subsequent requests (such as when the request
is part of a series of repeated requests over a short period of time).
8.7. We endeavour to respond within one month from receipt of the request. If we do not meet this time frame, we will explain why this was in
our response.
8.8. Please note that simply submitting a request does not mean we will be able to fulfil it – we are often bound by legal and legislative
obligations which can prevent us fulfilling some requests in their entirety, but when this is the case we will explain this to you in our
8.9. Please note also that exercising some of the above rights may lead to us being unable to continue to service your policy and therefore lead to
cancellation of your policy, but when this is the case we will explain this to you in our response.
9. Automated Decision Making
9.1. Certain processing activities may involve the use of automated (computer based) decision making; for example; before we can arrange an
insurance product or service for you we must obtain a quotation from an Insurer's Rating Engine which calculates the insurance risks based
on the information that you have supplied. This will be used to determine if the Insurer can provide you with a policy and to calculate the
premium you will have to pay to arrange cover with them.9.2. The results of these automated decision-making processes will limit the products and services we may be able to provide you. If you do not
agree with the result, you have the right to request human intervention to allow you to express your point of view and contest the decision.
10. How can you lodge a complaint?
10.1. If you wish to raise a complaint on how we have handled your personal information, please send an email to firstname.lastname@example.com or
write to us using the address provided in Section 2. Our Data Protection Officer will investigate your complaint and will give you additional
information about how it will be handled. We aim to respond in a reasonable time, normally 30 days.
10.2. If you are not satisfied with our response you can lodge a complaint to the Information Commissioner's Office, Wycliffe House, Water Lane,
Wilmslow, Cheshire, SK9 5AF. Tel: 0303 123 1113 (local rate) or 01625 545 745 if you prefer to use a national rate number. Email:
11. Up To Date Information
11.1. In order for us to keep your information accurate and up to date, please contact us if any of your details change.
12. Changes to our Data Protection Notice
12.1. This notice will be updated from time to time so please check it each time you submit personal information to us or renew your insurance
13. How do you ask a question about this Data Protection Notice?
13.1. If you any questions or comments about this privacy notice please contact The Data Protection Officer, Frank Glennon Limited, Charlemont
House, Charlemont Place, Dublin 2, Republic of Ireland.
13.2. You may also email us at email@example.com.
14. Direct Marketing
14.1. Under Data Protection legislation we believe that we can demonstrate that we have a legitimate interest in using your data for marketing
purposes but you always have a choice.
14.2. If you no longer wish your information to be used for marketing purposes please write to us at Frank Glennon Limited, Charlemont House,
Charlemont Place, Dublin 2, Republic of Ireland or e-mail us at firstname.lastname@example.com.
Consumer Distance Sales Information
1. Consumer – A Consumer is defined by the Distance Marketing Directive as a natural person acting for purposes outside his/her trade, business or
2. Quotation Period – Quotations are valid for the period outlined in each quotation pack or renewal invitation.
3. Cooling Off Period – Right of Withdrawal – Where you qualify as a consumer as defined above you have a right to withdraw from any Insurance
policy (other than short term policies of less than one month's duration) within fourteen days of inception of cover, or the date on which you receive
your policy schedule and/or Motor Insurance Certificate without penalty and without any reason.
3.1. The right of withdrawal may be exercised by notice in writing to us or your Insurer quoting your policy number.
3.2. In relation to motor vehicle insurance a notice of cancellation is not properly given unless the relevant Certificate of Insurance have been
returned to us or your Insurer.
3.3. Should this right be exercised your Insurer will do one of the following:
(a). It will treat your policy as though it effectively was never in force and will refund you any part of your premium you have paid less an
administration fee, or
(b). It will deduct from any part of your premium you have paid the premium for the time you have already been on cover and also charge
you an administration fee.
Please see Sections 9 and 10 below for how cancelation of your policy is handled where the fourteen day cooling off period has expired.
4. Main Characteristics of the Policy – The main characteristics of your (the consumer's) insurance policy is as explained to you by us and
summarised in our Policy Demands and Needs Statement and as set out in your policy terms and conditions which is available on request from us.
5. Period of Insurance – Subject to cancellation, the period of insurance in respect of any Insurance Policy held with us will be the period specified in
the Insurance Company's Policy Schedule and/or Certificate of Motor Insurance and/or Renewal Notice.
6. Additional and Return Premiums Payable on Making Policy Alterations – If you make an alteration to your policy your Insurer will recalculate
your premium which may result in an additional premium due to them or a return premium due to you. Some Insurers may only charge an
additional premium to you or allow a return premium to you where the amount of such premium following a policy alteration is equal to or greater
than a minimum amount often in the region of £20. An Insurance Premium Tax (IPT) is added to all premiums.
7. Default – Non-payment of your premium or part thereof or breach by you of certain conditions of your policy may lead to your policy being
revoked or cancelled.
8. Compensation – Please note that in the event of your Insurer being unable to pay a claim, you may be entitled to compensation from the Insurance
Compensation Fund in Ireland.
9. What will happen if I or the Insurer want to cancel the policy? – You (the consumer) can cancel your policy at any time by writing to us or your
Insurer. The policy will be cancelled on the date we or your Insurer receive your request in writing and in the case of Motor Insurance the date we
or your Insurer receive the relevant Certificate and Disc of Motor Insurance. We or your Insurer may cancel your policy by writing to you and
giving you notice of the cancellation of your insurance as provided for in your policy.
10. Will I receive a refund when my policy is cancelled? – Provided that no incident giving rise to a claim has occurred in the current period of
insurance, you will be entitled to a proportionate return of the premium for the unexpired period of insurance. If you cancel during the first year of
insurance (outside the cooling off period), an administration charge will apply.
11. What happens if I miss an instalment payment? – If you pay your premium by instalments we or your Insurer may cancel the policy if you miss a
payment. We or your Insurer will write to you providing a reasonable time period to make the payment before the policy is cancelled.
12. Insurer Complaints Procedure – Any enquiry or complaint relating to your Insurers standard of customer care should be notified by contacting the
Customer Service Manager of your Insurer in question at their registered address, stated in your Policy Document with your policy/quote number
and details. If your complaint is still not resolved to your satisfaction and you remain dissatisfied with your Insurer's final response to your
complaint you can refer your complaint to the Financial Services Ombudsman's Bureau at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2,
Republic of Ireland; Tel Lo-Call 1890 88 20 90; 353 1 6620899, Fax 353 1 6620890; or e-mail: email@example.com; Website:
www.financialombudsman.ie and/or Insurance Information Services –; website: www.iif.ie. You may also refer your complaint to the Financial
Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR; Tel: 0845 0801800; Email: firstname.lastname@example.com
but You must do this within six months of the date of our decision. Your right to take legal action is not affected by following any of the above
13. Policy Governing Law – The laws of Ireland will apply to your policy and Irish Courts will have jurisdiction to hear any disputes regarding your
policy unless otherwise stated on your proposal form or in your policy terms and conditions.
14. Language – Your insurance policy and all communications in respect of your policy will be in English.
Frank Glennon Limited, Insurance Brokers and Consultants, Charlemont House, Charlemont Place, Dublin 2, Republic of Ireland. Phone: +353 (01) 7075800, Fax: +353 (01) 7075980, Email: email@example.com, Website: www.glennons.ie
Frank Glennon Limited, trading as "Glennon", "Glennon Insurances", "AIC Glennon", "Glennon International" and "Glennon B2B", is authorised by the Central Bank of Ireland and is subject to limited regulation by the Financial Conduct Authority.
Directors: D. A. Glennon, J. J. Bissett A.C.I.I., G. C. Elliott M.R.I.C.S., T. V. Moore F.C.I.I., D. B. Deasy F.C.A. Registered Office: Charlemont House, Charlemont Place, Dublin 2, Republic of Ireland. Registered in Ireland Certificate No. 14385.


text:
Did you know now is the best time to plant strawberries? And during the winter months, roomy containers, hanging baskets or strawberry jars are the most dependable way to grow them.
Plant in containers now for delicious, juicy berries by February and avoid problems caused by pests or unsuitable soil.
Plant Strawberries in a Container:
- Choose a 16" wide container or terra cotta strawberry planter. Make sure the container has drainage holes in the bottom.
- Fill the container with a mix of two parts potting soil, one part compost and 1/2 cup of time-release fertilizer. Leave 3" at the top. If you are using a strawberry planter, place plants in the lower pockets as you go.
- Loosen the roots of each plant.
- Arrange in container. Roots should be covered but the place where the stem meets the roots should be above the soil line.
- Water thoroughly.
- Keep the container in a shady spot for a few days. Then move it to a place where the plants will get at least 6 hours of sun each day.
- Expect flowers and fruit to appear in late winter.
- If freezing weather threatens, move the container to a protected place or indoors near your sunniest window.
Product Checklist:
- Strawberry plants (4-6 plants)
- Container, hanging basket or terra cotta strawberry planter
- Trowel
- Compost
- Potting soil
- Organic time-release fertilizer
- Watering can

subset: commoncrawl


text:
A standard critique of capitalism, going back to Chesterton and Belloc, is the accusation that in our current system we have neither domination by Big Government as the conservatives warn, nor an enslavement by Big Business as the liberals fear, but rather a collusion between Big Government and Big Business—an arrangement allowing each to benefit the other and work for the aims of the other—in such a direct way that the folks running government and running business are the same people.
This is what Chesterton referred to as the dilemma of Hudge and Gudge in What's Wrong with the World:
I do not know whether the partnership of Hudge and Gudge is conscious or unconscious. I only know that between them they still keep the common man homeless.
While most in the West take the side of Hudge against Gudge or Gudge against Hudge, the informed distributist understands that Hudge and Gudge are two sides of the same coin, two faces of Liberalism that are moving us toward the Servile State. Over time, this collusion between the State and Big Business, united by the bonds of big finance, is becoming more and more observable.
In the next two articles, we will examine some ways in which Big Business and Big Government cooperate and discuss possible solutions for remedying this situation within a distributist framework.
Disparity in Sentencing
This collusion between government and the business world is especially evident in the manner government treats criminals of big financial firms—unpunished men who steal billions of dollars, wreck the economy, cost thousands of people their jobs, and destroy retirement funds. With few exceptions, their punishments are not only lenient, they are practically immune from prosecution.
Glenn Greenwald, whose book With Liberty and Justice for Some thoroughly documented the plutocratic inequalities of our justice system, has noted that while the rich have always enjoyed a disproportionate influence in the American justice system, the flagrancy with which this power is now touted is a troubling novelty:
Obviously, those with money and power always enjoyed substantial advantages in the U.S. justice system, but lip service was at least always paid to the core precept of the rule of law: that—regardless of power, position and prestige—all stand equal before the blindness of Lady Justice. It really is the case that this principle is now not only routinely violated, as was always true, but explicitly repudiated, right out in the open. It is commonplace to hear U.S. elites unblinkingly insisting that those who become sufficiently important and influential are—and should be—immunized from the system of criminal punishment to which everyone else is subjected."
The reason the rich routinely avoid criminal prosecution gets right to the heart of the issue.
Greenwald cites the case of HSBC, one of the world's largest banks. In 2012, United States federal investigators found that HSBC spent years committing serious crimes, even "facilitat[ing] money laundering by Mexican drug cartels"; and "mov[ing] tainted money for Saudi banks tied to terrorist groups". Those investigations uncovered substantial evidence "that senior bank officials were complicit in the illegal activity."3
Yet the United States decided not to prosecute HSBC on the grounds that the bank is simply too big, too important, and integral to the well-being of the financial market for its operations to be disrupted by something as petty as a federal criminal investigation. The Justice Department ultimately opted to impose a trivial fine instead of prosecution. Their rationale merits to be quoted at length:
U.S. authorities defended their decision not to prosecute HSBC for accepting the tainted money of rogue states and drug lords on Tuesday, insisting that a $1.9bn fine for a litany of offences was preferable to the 'collateral consequences' of taking the bank to court….
Announcing the record fine at a press conference in New York, assistant attorney general Lanny Breuer said that despite HSBC"s 'blatant failure' to implement anti-money laundering controls and its wilful flouting of U.S. sanctions, the consequences of a criminal prosecution would have been dire.
Had the U.S. authorities decided to press criminal charges, HSBC would almost certainly have lost its banking licence in the U.S., the future of the institution would have been under threat and the entire banking system would have been destabilised.
HSBC, Britain's biggest bank, said it was 'profoundly sorry' for what it called 'past mistakes' that allowed terrorists and narcotics traffickers to move billions around the financial system and circumvent US banking laws….
As part of the deal, HSBC has undertaken a five-year agreement with the US department of justice under which it will install an independent monitor to assess reformed internal controls. The bank's top executives will defer part of their bonuses for the whole of the five-year period, while bonuses have been clawed back from a number of former and current executives, including those in the U.S. directly involved at the time.
The bank processed cash for Mexico's Sinaloa cartel, regarded as the most powerful and deadly drug gang in the world, among others. At least $881 million in drug trafficking money was laundered throughout HSBC accounts. In order to handle the "staggering amounts of cash", the bank even widened the windows at some branches to allow tellers to accept larger boxes of money. HSBC also helped rogue states including Libya, Sudan, Burma and Iran to work around US rules banning them from using U.S. financial system in a scheme that went on for decades.
Prosecuting such a large bank could have potentially "destabilized" the market, and therefore the United States settled for nothing more than a promise from HSBC that they will behave, with some additional internal monitoring, and executives foregoing a share of their bonuses. Let this sink in: HSBC walked away scot free after laundering almost a billion dollars for one of the world's most violent drug cartels in a scam which many high-level bankers knowingly participated.
If going after big banks is undesirable because their downfall can significantly weaken the economy, the government is implicitly aiding banks in their immoral activities by creating a moral hazard, that is, a circumstance where reckless financial activity is encouraged due to a real (or perceived) immunity from punishment.
What would have happened, pray tell, if a single poor black woman was caught with a small fraction of cocaine? The authorities would have thrown the book at her. And, in fact, they did. Stephanie George of Pensacola, Florida, was sentenced to life in prison at age 27 for possessing cocaine in a lockbox stored in her attic.5
Local Collusion
This sort of collusion happens at the local level as well through tax abatements.
A tax abatement is a remission of either all or part of the property taxes a company owes to a municipality and may be granted at various intervals; the standard municipal tax abatement in Michigan, for example, is a 50-75% abatement of all property taxes in a new development for a period of 12 years. At times, 100% abatements are granted for special projects meeting certain criteria set by the state. These abatements thus function almost as indulgences for businesses, remitting either all (plenary) or some (partial) of their tax burden.
Abatements are usually granted for admirable motives. For example, larger expansions that create new jobs. Municipalities covet the large tax revenues that they will reap from multi-million dollar investments once the abatement period has expired. However, because state laws allow abatements only under certain conditions (usually the company has to demonstrate that it will create a certain number of jobs and the "investment" in the community has to be significant) only very large companies are eligible for these abatements; projects in the tens of millions of dollars.
Abatements are technically available to any applicant, but the guidelines ensure that only sufficiently capitalized applicants will ever qualify to receive them.
These unfortunate inequalities are justified in light of the eventual good that will accrue to the community by the new jobs and new tax revenue the corporate development will eventually reel in. The irony is that even these supposed benefits are ephemeral; there is no way for the company to ensure that only local persons are hired. In many cases, workers hired as a result of the development are from out of town or transfer from another factory.
And what about the taxes that will come into local coffers after the abatement period ends?
Usually, a company that receives a 12-year abatement will file a property tax appeal their thirteenth year and fight tooth and nail in expensive lawsuits that municipalities cannot afford to fight, eventually securing further tax concessions. Therefore, local governments grant tax exemptions to big corporations to get them into their towns while corporations play cities against each other, seeing who will give the most lucrative deal. Big corporations cooperate with the community only long enough to enjoy the fruits of their abatement before suing the same city that granted them the abatement in order to get their taxes lowered again.
Meanwhile small businesses are without recourse or the benefit of polices written for them that qualify for abatements. This is a prime example of a common form of government-corporate collusion that goes on all the time at the local level and rewards big corporations while doing nothing for small businesses. (Not to mention that abatements are only available for new businesses or expansions; existing businesses, even if they have been faithfully serving the community for decades, cannot apply for them unless they build an expansion or open up a new building.)
The Revolving Door
This collusion is perpetuated by a phenomenon that social scientists have dubbed "the revolving door." The revolving door refers to the way legislators and other government bureaucrats freely move from elected office into cozy corporate lobbying positions. The persons making the laws and those advocating on behalf of big businesses are the same people. Lobbying firms hire outgoing lawmakers because the legislators know the inner working of Washington and can bring this knowledge to the advantage of the lobbying firms; legislators, for their part, know that firms they advocate for during their tenure can be counted on to provide them with a snug, secure position when their term of office is over. The cozy relationship between lobbyists and legislators, and the real crossing over of persons between both groups, ensures that legislation is written oriented in favor of business interests—that is, after all, the end of all corporate lobbying.
This phenomenon is fairly universal; in the past decade, 400 lawmakers and 5,400 staffers have made the jump from Capitol Hill to private lobbying firms advocating on behalf of big businesses. Likewise, 605 lobbyists have taken up jobs on Capitol Hill in the same timeframe.6
The relationship between lobbyists and lawmakers has been described as "symbiotic".7
Lawmakers and lobbyists each have something to offer the other, and the collusion between representatives of public and private interests leave us with big corporations effectively writing legislation for big corporations.
"Virtual Lobbying" for Small Business?
One objection could be made that lobbying is not as inaccessible to small businesses as one might think. Small businesses might not have the funds to hire their own lobbyist, but they may participate in a sort of "virtual lobbying" by joining and paying dues to organizations that are big enough to lobby. So, for example, a corner shoe store that could never hope to pay for its own full-time lobbyist might become a dues-paying member of the Chamber of Commerce, knowing that the Chamber advocates for business in general and is a very powerful voice on Capitol Hill. The shoe store, while not represented directly, is represented virtually through the Chamber, and thus is able to lobby in a certain way.
This concept of "virtual lobbying" suffers from two major flaws. First, it can hardly be said that a massive umbrella organization like the Chamber, representing so many distinct forms of business, can effectively lobby for the specific needs of any particular sort of business, especially if the aims of its members might be contradictory. For example, the Chamber might advocate for free trade with China, knowing that many of its larger, industrial members will approve of the continued ability to get cheap-labor for their manufacturing. Yet this same "free trade" that pleases one Chamber member is detrimental to our above-mentioned shoe store, whose smaller, off-brand and locally produced stock cannot compete with the low-cost junk made by Adidas, Nike and Reebok in the Chinese sweatshops. Second, while smaller businesses certainly can join the Chamber, so can large corporations like McDonalds, Exxon, etc., allowing for a situation in which the donations of big dollars to the Chamber outweigh the small sums donated by smaller businesses.
Lest one think this accusation is unfounded, a 2010 investigation by the New York Times revealed that "while the Chamber boasts of representing more than three million businesses, and having approximately 300,000 members, nearly half of its $140 million in contributions in 2008 came from just 45 donors."8
Dow Chemical, for example, made a $1.7 million donation. Do we really believe that the $150 paid by a local restaurant for Chamber dues carries the same weight as $1.7 million from Dow Chemical? James Carter, founder of a smaller, alternate business advocacy group called the "Green Chamber of Commerce," observed that the Chamber is "dominated by oil companies, pharmaceutical giants, automakers and other polluting industries."9
The fact of the revolving door and the inequality in virtual lobbying by umbrella groups demonstrate what a sham the whole lobbying network is: Big companies with big budgets employ full-time lobbyists who cozy up to lawmakers to ensure laws are written with corporate ends in mind; in exchange, lawmakers get information and advice from lobbyists and can count on cushy lobbying jobs themselves when they end their elected terms. Meanwhile, small businesses unable to afford lobby are relegated to making their opinions heard through large umbrella groups to whom they pay annual dues, only to have the wishes of a handful of large donors (the same ones employing the full-time lobbyists) dominate the organization. The result is that law is written for corporations, corporations write law, and small businesses get the shaft, paying dues to organizations that do not represent them and receiving no real representation at the same time.
How can we reverse this trend? How can we restore true subsidiarity to our economy and end the hijacking of government for corporate ends as well as the concomitant influence of corporations on government? This is a tall order, but I think we can propose a few changes that would be keeping in the spirit of Distributism and would go a long way towards rectifying the problems we have highlighted.
To be continued.
- G.K. Chesterton, What's Wrong with the World (San Francisco: Ignatius Press).
- Reader Supported News.
- Ibid.
- HSBC's record $1.9bn fine preferable to prosecution, US authorities insist.
- For Lesser Crimes, Rethinking Life Behind Bars.
- Study shows revolving door of employment between Congress, lobbying firms.
- Ibid.
- Top Corporations Aid U.S. Chamber of Commerce Campaign.
- Ibid.


text:
Bring your sales talent and passion for brain games to work at one of the finest specialty retailers in the area. Dr. G's Brainworks is seeking Retail Sales Associates to join our team. In this critical role, you will serve as a product knowledge expert in a dynamic customer-focused retail store.
• Must have at least 1 year of retail sales experience
• Must be able to communicate easily and comfortably with customers
• Excited about unique products being presented
• Strong willingness to learn
• Must have flexible work schedule; combination of days, evenings and
• The application can be downloaded here. E-mail your resume and the application to firstname.lastname@example.com
Or via post & fax:
Dr. William Gingold
114 Lincoln Square
Urbana, IL 61801
Questions? E-mail Dr. Gingold at email@example.com


text:
Tim Colling
Local Search Expert
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I'm working on my content planning for next year. Does anyone here know of a web page that lists the "official months or weeks" for the year, such as "Parkinson's Disease Week" or "Cancer Awareness Month" or "Nurses' Month"? Thanks!


text:
VLAN security
There is more to VLAN security than you think.
This week, I wanted to address VLAN security, which like Ethernet, is a mystery to most people. That may sound...
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like a strange statement, since I'm sure everyone reading this has been using Ethernet for years, but seriously, how many network engineers do you know who could explain Manchester bit encoding or how Fast Link Pulses work? Not very many, of course, and why should they? After all, Ethernet is one of those protocols that "just works." Network administrators don't understand it for the very simple reason that they never have to troubleshoot it.
VLANs are pretty much the same way. Sure, the configuration of a few more advanced topics like VTP and VLAN pruning can give you a mental workout, and of course, nobody likes Spanning-Tree Protocol, but really, when was the last time you really needed to know how your switches implemented VLANs? For the most part, you define a VLAN, and assign ports to it, and define trunk ports and configure which VLANs can cross it... and it just works... simple as that.
But it's precisely this simplicity that can lull you into leaving open a raft of security vulnerabilities.
So as I was checking a few quick facts for this tip, I ran across an @Stake white paper so concise and illuminating, despite being 2 years old, that I decided to just link you to it and offer a quick summary.
The reason I like this article is because it explains at a high level, several ways your network can be attacked at Layer 2. Many of these aren't nearly as intuitively obvious as the higher-level attacks we witness daily, so many administrators think that it's impossible to attack VLANs, which is of course, absurd.
So here are a few key points to remember when configuring your network:
VLAN 1 (on Catalyst switches) is the default for both ports and the "Native" VLAN on 802.1Q trunks, which is precisely why you should NEVER use it.
Don't allow dynamic protocols to talk to untrusted devices. Many administrators don't realize there are a lot of these operating around Layer 2, such as VTP, PAgP, CDP, DTP, UDLD and of course STP.
If at all possible, authenticate all hosts and/or limit their connectivity. Port Security, 802.1x and Dynamic VLANs are three methods mentioned in this article you can use.
Tom Lancaster, CCIE# 8829 CNX# 1105, is a consultant with 15 years experience in the networking industry, and co-author of several books on networking, most recently, CCSPTM: Secure PIX and Secure VPN Study Guide published by Sybex.


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If you have a teenager who is approaching legal driving age, you need to make sure he/she is ready to get behind the wheel. Teenage drivers are at a high risk for car accidents, but you can help to reduce that risk by making sure your teen is prepared.
In the United States, car accidents are the leading cause of death for teenagers. According to CDC accident statistics, six teenagers die every day from injuries sustained in a car crash. Studies show that teen drivers between 16 and 19 years of age are three times more likely to die in an auto accident that drivers who are 20 years old or older. When teens begin to drive, their risk of being involved in a car accident is extremely high during their first year behind the wheel. A boston injury lawyer often sees serious car accidents that involve teenage drivers who don't have a lot of driving experience.
Due to a lack of driving experience, a lack of general driving knowledge and immature thinking, teenage drivers are at greater risk when driving than older drivers. Teenagers often underestimate the dangers of driving and fail to make critical decisions that may keep them out of harms way. They often feel invincible, a common trait for teens, and don't realize the severe consequences of a car accident. They don't realize that they could be seriously injured, permanently disabled, or killed in a car crash.
Due to a lack of mature thinking and judgment skills, teenage drivers are also easily distracted when driving. Studies show that teen drivers are commonly distracted by their cell phones, car radios, car video players, and car navigation systems while driving. They are also twice as likely to speed, use drugs and/or alcohol, and forget to buckle their seat belts while behind the wheel. Distracted driving, speeding, and impaired driving from drugs and/or alcohol are to blame for many car crashes seen by boston injury lawyer. In 2015, over 200,000 teens were treated in hospitals for car crash injuries, and over 2500 additional teens died from their injuries.…Read More


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Surely every woman's dream – surrounded by beautiful bags. Here's a shot of Aurora absolutely in her element planning the fashion shoot for Cosbag.
All the styling and collaboration by stylist_nina
COSBAG has a huge selection – everything from the charming French Teo Jasmin range to their own uniquely fabulous creations from firstname.lastname@example.com.
Most of this film shoot for Cosbag was taken in and around the Oslofjord Museum. The rusted metal cladding and concrete textures provided an excellent backdrop to many of the photos and enabled us show these fabulous Cosbags at their very best.
Beautiful Kimono from Farmhousedesign and of course a stylish handbag from Cosbag, Oslo.


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There is a lot of things to take care of. Food, drink, games, music, of course me and my books. And the store, Enchanted Bazaar, has been wonderful in helping set it up. For those of you that want to do more of a party and not just a signing. Here's what we have done, so far.
Choose a good date.
We picked May 27th, because was the closest day to the Memorial Day weekend that the owner of the shop could be at the store. But because of our location, we should get a lot of curiosity seekers.
A bookstore might be your first choice, but this shop is an art / metaphysical gift shop. I am a local author, the shop promotes local artist of all kinds. It is also next to Dinosaur BBQ , a nationally known local place. It is always packed, but being the start of a holiday weekend, we expect a lot of people wandering in from that.
I could have done better here, but the budget was thin. What we did (the shop did a lot) is I made fliers to hand out. I posted the Facebook event page. But most of the work was done by the shop (if you get one like this be extra good to them). They got the fliers into Dinosaur BBQ, they handed out the fliers to anyone that walked into the store, Sent out invites on the email list (so far 20 confirmed from that!), Arranged for an interview with a local paper (Still waiting for the call). They did a lot more than me. But keep in mind some places will expect you to do it.
Fun Stuff
If you can only set up a table and sign books, you still have to get people over there and keep them. A little easier with my set up. It's a full party. Along with the signing of the books and planning the party trays (split half and half with the store, did I tell you how much I love them!). I planed a few contests and they did too.
- Vampire trivia (30 questions that only a real student of vampires would know, I will post them after the party)
- Word search. Took only a few minutes to set up at Armored Penguin.
- Costume contests.
- Of course, readings from the book
- Music. To fit the mood, I am only allowing music from 1996 and before.
Don't forget to bring the books! When we first set this up, I thought 30 would be fine. But now I am bring 50, they have sold 3 already! So what am I going to do when I run out! We have a plan in place, they put their money down, with phone number and email. When the books arrive (about a week) they will be called. If someone is from out of town, I will direct them to my store on Createspace or to Amazon.
I have one little incentive. A bookmark with a coupon to get the ebook version for free.
That is it for now. I will post later updates and of course pics from the event later. I hope this is helpful for anyone planning to do more than just a book signing. I wish you all luck.


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Ranked as a Top 10 Global Law Firm, CMS can work for you in 70 cities in 43 countries and with 75 offices worldwide. 4,800 CMS lawyers offer you business-focused advice tailored to your needs, whether in your local market or across multiple jurisdictions.
With the coming together of CMS, Nabarro and Olswang on 1 May 2017, we have created a new future-facing firm, one that is well equipped to help our clients face the future with confidence.
This means putting our clients' interests and priorities at the very heart of everything we do. And, in a world of ever-accelerating change, that demands unwavering sector focus combined with quality practice specialism.
I am personally committed to our clients and always interested to meet with clients, hear your views and discuss ways of how we can improve what we do for you.
Penelope Warne, the Senior Partner, Chairman of the Board and Head of Energy
Across our six core sectors – Energy, Financial Services, Infrastructure and Project Finance, Lifesciences and Healthcare, Real Estate and Technology, Media and Telecommunications – we don't just have some of the brightest and most creative legal minds. Our lawyers are fully immersed in the world our clients operate in; genuine experts in their fields, knowledgeable about the issues you currently face, and those that may lie just around the corner.
We offer various added value services, including Law-Now and the Interactive Media Award winning RegZone which provide practical and timely knowledge relevant to your business and numerous webinars for training at your desk.
Below you can also read the Tax policy for CMS Cameron McKenna Nabarro Olswang LLP which was published on 1 May 2018.
CMS have also won a number of awards and you can find out further details about these on our Awards page.


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Hej and welcome to the liquorice shop at ScandiKitchen. We stock a huge range of salty salmiakki liquorice – from Tyrkisk Pepper to Piratos, Gott & Blandat and more. The best selection of super salty liquorice available. You no longer have to miss your liquorice fix; just browse through our shop and make your selection. We deliver all over the UK and EU wide and have a range of shipping options to suit everyone (including free shipping).
No products were found matching your selection.


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GENESEO, N.Y. - The SUNY Geneseo softball team split a pair of State University of New York Athletic Conference (SUNYAC) Tournament games on Saturday, defeating Oneonta, 7-5, before falling to Cortland, 5-4, in extra innings.
GAME ONE - Geneseo 7, Oneonta 5
Oneonta took a 4-0 lead in the second inning when Geneseo committed three costly errors.
The Knights began the comeback in the third inning when junior infielder Anna Merante drove in a run with a single.
The hosts strung together four hits and punished a pair of Oneonta errors to tie the game, 4-4, in the fourth inning. Persich and Tucker each ripped RBI singles and sophomore infielder Brooke Wolff came home on an error as the Knights drew even.
Oneonta took a 5-4 lead in the fifth, but sophomore pinch-hitter Abbey Whitney laced an RBI single to tie the game in bottom of the inning.
In the sixth, Geneseo plated two runs to take their first lead of the game on RBI singles by junior outfielder Danni Napoli and Merante. Kersch shut down the Oneonta bats in the seventh to close out the victory.
GAME TWO - Cortland 5, Geneseo 4 (9 inn.)
Cortland took a 2-0 lead in the second inning, but Geneseo tied the game in the fourth inning when senior infielder Tori Fahie roped a two-run double down the left-field line.
The Red Dragons regained the lead with a single run in the fifth, and tacked on another in the seventh to gain the advantage, 4-2, heading into Geneseo's final at-bat.
In the bottom of the seventh, the Knights rallied behind another pinch-hit single from Whitney and a Cortland error. Persich drove home a run on a sacrifice fly and Tucker laced an RBI single into left-center to tie the game and force extra innings.
Cortland scored the go-ahead run in the top of the ninth inning and kept the Knights off the board to earn the win.
Tucker went 5-for-8 with two RBI in the two games combined while Abbey Whitney improved to 3-for-3 in the tournament, with each at-bat coming as a pinch-hitter.
The Geneseo pitching staff combined to allow just three earned runs over 16 innings pitched. The Knights committed eight errors in the two games combined, bringing home seven unearned runs.
Geneseo and Cortland will play on Sunday at 12:00 p.m. in the final game of the SUNYAC Tournament, with the winner earning the conference championship and an automatic-qualifying bid to the NCAA Tournament.


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You know how you sometimes want to go to a nice place for lunch but you're burned out on the funky Portland cafe scene and really don't want to head over to trendy-third and it's over-the-top SUV-powered up-scaleyness? Well, now we've got an option over on the cool left side.
The recently opened and terrifically good Nostrana and its wood-fired oven are open for lunch, and if you've had to wait for a table for dinner, try it at noon when the tables are available and the food's just as mouth-wateringly good. Plus, now that the weather's calmed down they can open those sliding windows and let the breeze blow through.
I had the Catalan bean and albacore salad with house-pickled vegetables and it was smashing. The beans were perfectly done, the tuna was sweet and smoky and both were a perfect foil for the vinegary pucker of the vegetables. And you can never go wrong with one of their crispy pizzas smoked and charred in just the right way.
It's the perfect spot to meet a friend or entertain a client, and its location in the unassuming Buckman neighborhood makes it feel like a hidden gem.
Details: Nostrana, 1401 SE Morrison; Phone 503-234-2427.
Wednesday, August 09, 2006
Nice Lunch
Posted by Kathleen Bauer at 5:37 PM
2 comments:
- Deb said...
Thank you for the great review. It's great to visit a noncraft Portland blog. It makes you want to visit the city;) I definitely recognize your face from both Nostrana and Gino's. Make sure to say hello next time you are in.
- Kathleen Bauer said...
Thanks, Deb! I enjoyed reading your blog, too. We're so lucky to live in a great place like this...which is the exact reason I started this blog. Hooray for the Northwest!
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Fall in love with the two lovebirds on this brooch. The bright colors will make your heart soar.
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Events Calendar
Have an event you would like us to add to the TLS events calendar? Submit your labyrinth event today!
If you need to edit an existing event, email our event administrator.
Monthly Labyrinth Walk - Every Second Tuesday
Second Tuesday in January, February, March, April, May, June, July, August, September, October, November, December from 01/08/2008 onward
St. Paul's Catholic Community
9055 Atlin Drive
Juneau, AK 99801
6:30 pm - 8:30 pm
A canvas labyrinth, "Tree of Paradise" will be available for public use (labyrinth must be picked up and lights out by 9:00 p.m.).
For more information email Janis Burns or call 907-789-2299.


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I recently had a very proud, somewhat awe-inspiring moment with Zamirah.
We were in the back aisle of the supermarket, and Zamirah (who is now 4) and Zaaryn (2) were both starting to cross that invisible line between antsy and cranky. Zamirah got annoyed at Zaaryn for whatever reason, and walked away from her further down the aisle, with her face scrunched into a very cute scowl and her arms crossed tightly over her chest. So Zaaryn, perhaps believing that Zamirah was annoyed at something other than her, or more likely not really caring, did the sisterly thing, and followed her and stood right next to her, scrunched up frown, crossed arms and all. More flustered, Zamirah walked another 15 feet or so and resumed her position, and Zaaryn shadowed her again. As this went on for a few minutes (and Zamirah would just reverse when she got to the end of the aisle), Zaaryn seemed to enjoy the game, and Zamirah, though agitated, managed not to become overly frustrated. And, also to her credit, when it was over Zamirah let it go in an instant.
This was one of the funniest things I've ever seen, and while it's clearly a case of "you had to be there" and I don't expect you to be busting a gut as you read this, I also took away a lesson that I wanted to share. The more self-righteously serious Zamirah got, the less seriously Zaaryn (and I) could take her and the situation. If Zamirah was acting out the part of us that stresses over ridiculous, petty stuff, Zaaryn perhaps played the part of our higher Selves, pulling out the rug from underneath, and accessing joy in spite of a situation that seemed to call for crankiness.
So, thank you girls, for making me laugh, and for reminding me not to take myself too seriously. I am grateful for all the lessons you teach me.
Do you often belt out random made-up songs?
Here are my 3 rules for forgiveness that even a 1-year-old could teach us.
It is amazing what one can learn from a 3-year-old. Other than a few exceptional individuals, I haven't met anyone who has such wonderful lessons to teach me as my little girl does.
Welcome to my Blog! I am excited to have a space to share my thoughts about music, kids, creativity, life, the human experience, and really, whatever I feel like sharing. Here I begin to touch on some of these topics which are near and dear to me.


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6.2mm Black Oxide Hook & Eye Endcaps (2 sets)
These 6.2mm inside diameter endcaps are black oxide colored base metal. The assembled length of the set is 38mm (~1 1/2″). The hook is the widest point of the set at 9.3mm.
The package includes includes four endcaps (2 sets). That's two hook endcaps and two loop endcaps.
This is part of our economy endcap collection. These endcaps provide a stylish way to finish off your jewelry with a low price point. To preserve the plated finish, please avoid exposing your endcaps to chemicals such as perfumes and lotions and always remove your plated jewelry when showering or swimming.
These are EU nickel free compliant.
The country of origin is China.
The package label reads: 6.2mm Black (2 sets) Hook & Eye Endcap
8 in stock


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American Housewife: Stories by Helen Ellis is an entertaining and hilarious take on the ups and downs of domesticity. These twelve stories take you from disputes of interior design to suggestions on how to be a grown-ass lady to a stream of consciousness in the day in the life of housewifedom. Some of the stories were definitely relatable, even to a non-housewife like myself. I've recommended this book to a plethora of women in my life; you may need to add this to your women-focused book club!
The Passenger by Lisa Lutz is a wild ride from beginning to end. Tanya Dubois finds her husband dead at the bottom of the stairs. Although she had nothing to do with it, she's worried her past will come back to haunt her if she doesn't make a run for it. Cashing out her credit cards and changing her name, Tanya — now Amelia — hits the road. On her way she meets a female bartender named Blue, the two both escaping their pasts agree to switch lives…and the page turning continues! A quick and fun read, there was only one part that seemed a little disconnected to the rest of the story, but I still very much enjoyed the read. Lisa Lutz is also one of my all-time favorite authors so I may be a bit biased, but so be it!
Kitchens of the Great Midwest by J. Ryan Stradal focuses on those that orbit the life of Eva Thorvald. We meet Eva's father and follow the path that leads him to Eva's mother and ultimately to Eva herself. As the book unfolds through small stories of the individuals who mold Eva, or just those that pass through her world, you see the pattern of a life and how this once small girl becomes a woman. Each chapter not only has a different character, but also has a distinctively Midwestern recipe; carrot cake, venison, and of course bars…who doesn't like bars? This book was definitely a love letter to its home.


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Single Life Annuities:
The Installment Refund (IR) Single Life Annuity
What is an Installment Refund Single Life Annuity?
The installment refund annuity is a single premium life annuity that pays out an amount equal to the amount of your payments or until you die. If you live longer than the amount you paid into the annuity, the insurance company will continue to make payments to you until you do pass away.
Earning Interest on Installment Refund Annuities
Your installment refund annuity will probably be best if earning interest on fixed rate, although the potential gains found with the variable annuity might work well with your plans. To help decide which installment refund annuity is best for your financial future, we recommend you seek professional advice.
Here are some other common Single Life Annuities:
5CC Single Life Annuity
10CC Single Life Annuity
15CC Single Life Annuity
20CC Single Life Annuity
Immediate Payments on IR Single Life Annuities
You can set up any type a refund annuity (or any annuity, for that matter) to pay out either immediately, or, if you want the annuity to grow in value, payments can be deferred to start at a later date. Either arrangement can be good for you, so it is usually a good idea to get counseling from an experienced, independent financial advisor to help make this decision.
Setting Up an Installment Refund Annuity?
If you are considering setting up an installment refund single life annuity, it is always a good idea to get your facts from trusted sources. By learning all you can, you will be better able to make the best decision for your financial future. Please, take a moment and get a free consultation from our counselors before setting up your installment refund single life annuity.
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Making your own caramel requires care and attention, but the resulting bubbly crunchy cinder toffee is worth it
Nutrition and extra info
Nutrition: per serving (12)
- kcal94
- fat0.3g
- saturates0.2g
- carbs23g
- sugars23g
- fibre0g
- protein0g
- salt0.5g
- butter, for greasing
Butter is made when lactic-acid producing bacteria are added to cream and churned to make an…
- 200g caster sugar
- 5 tbsp golden syrup
Golden syrupgoal-dun sir-rup
Golden syrup is a clear, sparkling, golden-amber coloured, sweet…
- 2 tsp bicarbonate of soda
Bicarbonate of soda
Bicarbonate of soda, or baking soda, is an alkali which is used to raise soda breads and full-…
Butter a 20cm square tin.
Mix 200g caster sugar and 5 tbsp golden syrup in a deep saucepan and stir over a gentle heat until the sugar has melted. Try not to let the mixture bubble until the sugar grains have disappeared.
Once completely melted, turn up the heat a little and simmer until you have an amber coloured caramel (this won't take long), then as quickly as you can turn off the heat, tip in 2 tsp bicarbonate of soda and beat in with a wooden spoon until it has all disappeared and the mixture is foaming. Scrape into the tin immediately but be careful as the mixture will be very hot.
The mixture will continue bubbling in the tin, simply leave it and in about 1 hr - 1 hr 30 mins the honeycomb will be hard and ready to crumble or snap into chunks.