text:
$50,000 per adult
$12,500 per child
$250,000 policy limit
This coverage pays in the event of death or dismemberment while you are traveling on any form of public transport.
Accidental Death & Dismemberment (AD&D): The Company shall pay an indemnity determined from the Table if an Insured Person sustains a Loss stated therein resulting from Injury and subject to the limitations contained in EXCLUSIONS AND LIMITATIONS, provided that: a) such Loss occurs within 365 days after the date of Accident causing such Loss; and b) the indemnity payable for any such Loss shall be the Principal Sum stated on the ID Card, as applicable to such Insured Person and this Insurance; and c) if more than one Loss stated in said Table of Losses is sustained as the result of one Accident, only one of the amounts, the largest, shall be payable.
|For Loss of:
|Insured or Spouse
|Each Child
|Loss of Life
|Principal Sum
|Loss of two Members
|Principal Sum
|Loss of one Member
|50% of Principal Sum
|Principal Sum
|(total paralysis of both upper and lower limbs)
|75% of the Principal Sum
|(total paralysis of both lower limbs)
|50% the Principal Sum
|(total paralysis of both upper & lower limbs of one side of the body)
|25% of the Principal Sum
|(total paralysis of one limb)
The term "Principal Sum" as used herein shall mean the amount stated on the ID Card. "Member" means hand, foot or eye. Only one amount, the largest to which you are entitled is payable for all losses resulting from one accident. In the event of a Common Carrier Accidental Death benefits will be paid once at the higher amount as specified in the SCHEDULE OF BENEFITS for Common Carrier Accidental Death.
Common Carrier Accidental Death: Benefits will be paid to you as per the SCHEDULE OF BENEFITS if you sustain an Accidental Death. Death must occur during the Period of Coverage while the Insured Person is riding as a passenger (but not a pilot, operator or member of the crew) in or on a Common Carrier.
Accident or Accidental shall mean an event, independent of Illness or self inflicted means, which is the direct cause of bodily Injury to an Insured Person.
Administrator shall mean Seven Corners, Inc.
Airworthiness Certificate or Airworthy Certificate shall mean the "Standard" Airworthiness Certificate issued by the Federal Aviation Agency of the United States or its foreign equivalent issued by the government authority having jurisdiction over civil aviation in the country of its registry.
Benefit Period shall mean the one hundred and eighty (180) days following the onset of an Eligible Accident, Injury or Illness in which to receive Medically Necessary Covered Expenses. If Your plan terminates during Your Benefit Period, You will still be eligible to receive Treatment so long as the Treatment is within Your Benefit Period and outside Your Home Country (except as provided under the Home Country Coverage).
Child(ren) means the Plan Participant's natural Child, adopted Child (or Child placed in the Plan Participant's home for purposes of adoption), foster Child, stepchild, or other Child for whom the Plan Participant has legal guardianship (proof will be required). A Child must reside with the Plan Participant in a parent-Child relationship. NOTE: In the event the Plan Participant shares physical custody of the Child with another parent, the requirement that the Child reside with the Plan Participant will be waived.
Coinsurance shall mean the percentage amount of eligible Covered Expenses, after the Deductible, which are the responsibilities of the Insured Person and must be paid by the Insured Person. The Coinsurance amount is stated in the SCHEDULE OF BENEFITS, under each stated benefit. Coma/Comatose shall mean a profound state of unconsciousness from which the Insured cannot be aroused to consciousness, even by powerful stimulation, as determined by a Physician.
Common Carrier shall mean any public air conveyance operating under a valid license providing for the transportation of passengers for hire.
Company or Underwriter shall mean Certain Underwriters at Lloyd's, London.
Congenital shall mean a physical abnormality or condition that is present at birth, whether inherited or caused by the environment.
Covered Expense(s) shall mean "Eligible Benefit".
Custodial Care shall mean that type of care or service, wherever furnished and by whatever name called, that is designed primarily to assist an Insured in performing the activities of daily living. Custodial Care also includes non-acute care for the comatose, semi-comatose, paralyzed or mentally incompetent patients. Such services shall be considered Custodial Care without regard to the provider by whom or by which they are prescribed, recommended or performed.
Deductible shall mean the amount of eligible Covered Expenses which are the responsibility of each Insured Person and must be paid by each Insured Person before benefits under the Certificate are payable by the Company.
Disablement as used with respect to medical expenses shall mean an Illness or an Accidental bodily Injury necessitating medical treatment by a Physician as defined in this Certificate.
Displaced shall mean that You are required to depart a destination due to an evacuation ordered by prevailing authorities.
Educational or Rehabilitative Care shall mean care for restoration (by education or training) of one's ability to function in a normal or near normal manner following an Illness or Injury. This type of care includes, but is not limited to, vocational or occupational therapy and speech therapy.
Eligible Benefit(s) shall mean benefits payable by the Company to reimburse expenses which are for Medically Necessary services, supplies, care, or treatment; due to Illness or Injury; prescribed, performed or ordered by a Physician; Usual, Reasonable and Customary charges; incurred while insured under this program and which do not exceed the Maximum Benefit.
Eligible Dependent Child shall mean the Insured Person's unmarried Children over fourteen (14) days and under nineteen (19) years of age.
Eligible Spouse shall mean the Insured Person's legal spouse or legal domestic partner or civil union partner.
Experimental / Investigational means all services or supplies associated with: 1) Treatment or diagnostic evaluation which is not generally and widely accepted in the practice of medicine in the United States of America or which does not have evidence of effectiveness documented in peer reviewed articles in medical journals published in the United States. For the Treatment or diagnostic evaluation to be considered effective such articles should indicate that it is more effective than others available: or if less effective than other available treatments or diagnostic evaluations, is safer or less costly; 2) A drug which does not have FDA marketing approval; 3) A medical device which does not have FDA marketing approval; or has FDA approval under 21 CFR 807.81, but does not have evidence of effectiveness for the proposed use documented in peer reviewed articles in medical journals published in the United States. For the device to be considered effective, such articles should indicate that it is more effective than other available devices for the proposed use; or if less effective than other available devises, or is safer or less costly. The Company will make the final determination as to whether a service or supply is Experimental/Investigational.
Felonious Assault shall mean any willful or unlawful use of force upon the Insured: (1) with the intent to cause bodily injury to the Insured; and (2) that results in bodily harm to the Insured; and (3) that is a felony or a misdemeanor in the jurisdiction in which it occurs.
Group Health Benefit Plan means a group, blanket, or franchise insurance policy, a certificate issued under a group policy, a group hospital service contract, or a group subscriber contract or evidence of coverage issued by a health maintenance organization that provides benefits for health care services. The term does not include: 1. accident-only, credit or disability insurance coverages; 2. specified disease coverage or other limited benefit policies; 3. long-term care, dental care, or vision care coverages; 4. coverage provided by a single service health maintenance organization; 5. insurance coverage issued as a supplement to liability insurance; 6. insurance coverage arising out of a workers' compensation system or similar statutory system; 7. automobile medical payment insurance coverage; 8. jointly managed trusts authorized under 29 U.S.C. Section 141 et seq. that contain a plan of benefits for employees that is negotiated in a collective bargaining agreement governing wages, hours, and working conditions of the employees that is authorized under 29 U.S.C. Section 157;
9.hospital confinement indemnity coverage; or 10. reinsurance contracts issued on a stop-loss, quota share, or similar basis.
PLEASE NOTE: Your Primary Health Plan must be effective at the time of claim. Medicaid, Medicare, and V.A. health plans do not constitute
primary health insurance.
Home Country shall mean the country where the Insured Person(s) has his or her true, fixed and permanent residence. For United States Citizens, the Home Country is always the United States.
Hospital as used in this Certificate shall mean except as may otherwise be provided, a Hospital (other than an institution for the aged, chronically ill or convalescent, resting or nursing homes) operated pursuant to law for the care and Treatment of sick or Injured persons with organized facilities for diagnosis and Surgery and having 24-hour nursing service and medical supervision.
Host Country shall mean any country other than the country where an Insured Person has his or her true, fixed and permanent home and principal establishment.
Illness(es) wherever used in this Certificate shall mean a Sickness, disorder, Illness, pathology, abnormality, malady, morbidity, affliction, disability, defect, handicap, deformity, birth defect, congenital defect, symptomatology, syndrome, malaise, infection, infirmity, ailment, disease of any kind, or any other medical, physical or health condition. Provided, however, that Illness does not include learning disabilities, or attitudinal or disciplinary problems. All Illnesses that exist simultaneously or which arise subsequent to a prior Illness and which directly or indirectly relate to or result or arise from the same or related causes or as a consequence thereof or from one another are considered to be one Illness. Further, if a subsequent Illness results or arises from causes or consequences that are the same as or related to the causes or consequences of a prior Illness, the subsequent Illness will be deemed to be a continuation of the prior Illness and not a separate Illness.
Immediate Family Member means a Plan Participant's Spouse, domestic partner, civil union partner, parent (includes Step-parent), Child(ren) (includes legally adopted or step Child(ren), brother, sister, step-Child(ren), grandchild(ren), or in-laws). A Member of the Immediate Family includes an individual who normally lives in the Plan Participant's household.
Injury wherever used in this Certificate shall mean bodily Injury caused solely and directly by violent, Accidental, external, and visible means occurring while this Certificate is in force and resulting directly and independently of all other causes in Disablement covered by this Certificate.
Inpatient shall mean if You are confined in an institution and are charged for room and board.
Insurance means the coverage that is provided under the Certificate.
Insured or Insured Person(s) shall mean a person eligible for benefits under the Certificate who has applied for coverage and is named on the application and for whom the Company has accepted premium.
Intensive Care shall mean a cardiac care unit or other unit or area of a Hospital which meets the required standards of the Joint Commission on Accreditation of Hospitals for Special Care Units.
Loss in reference to quadriplegia, paraplegia, hemiplegia, and uniplegia, shall mean the complete and irreversible paralysis of such limbs and with regard to hands and feet, actual severance through and above the wrist or ankle joints, and with regard to eyes, entire irrecoverable Loss of sight.
Master Application means the Application for the Master Policy.
Master Policy means that certain group insurance policy, No. NA16SC01 issued to World Commercial Trust by Certain Underwriters at Lloyd's, London, which is available upon request from Seven Corners.
Maximum Benefit means the largest total amount of Eligible Expenses that the Company will pay for the Plan Participant as found on the ID card.
Medical Emergency means the occurrence of a Sickness, Injury or behavioral condition, the onset of which is sudden, that manifests itself by symptoms of sufficient severity, including severe pain that an individual could reasonably expect the absence of immediate medical attention to result in (A) placing the health of the person afflicted with such condition in serious jeopardy, or in the case of a behavioral condition placing the health of such person or others in serious jeopardy, or (B) serious impairment to such person's bodily functions; © serious dysfunction of any bodily organ or part of such person; or (D) serious disfigurement of such person.
Medically Necessary shall mean services and supplies received while insured that are determined by the Company to be: (1) appropriate and necessary for the symptoms, diagnosis, or direct care and Treatment of the Insured Person's medical conditions; (2) within the standards the organized medical community deems good medical practice for the Insured Person's condition; (3) not primarily for the convenience of the Insured Person, the Insured Person's Physician or another Service Provider or person; (4) not Experimental/Investigational or unproven, as recognized by the organized medical community, or which are used for any type of research program or protocol; and (5) not excessive in scope, duration, or intensity to provide safe and adequate, and appropriate Treatment. For Hospital stays, this means that acute care as an Inpatient is necessary due to the kinds of services the Insured Person is receiving or the severity of the Insured Person's condition, in that safe and adequate care cannot be received as an Outpatient or in a less intensified medical setting. The fact that any particular Physician may prescribe, order, recommend, or approve a service, supply, or level of care does not, of itself, make such Treatment Medically Necessary or make the charge of a Covered Expense under this Certificate.
Medical Treatment means examination, treatment, and/or consultation by a Physician for a condition which first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or Treatment.
Mental Illness and Mental and Nervous Disorder shall mean any mental, nervous, or emotional Illness which generally denotes an Illness of the brain with predominant behavioral symptoms; or an Illness of the mind or personality, evidenced by abnormal behavior; or an Illness or disorder of conduct evidenced by socially deviant behavior. Mental or Nervous Disorders include without limitation: psychosis; depression; schizophrenia; bipolar affective disorder; any disease or condition, regardless of whether the cause is organic, that is classified as a Mental Disorder in the current edition of the International Classification of Diseases as published by the U.S. Department of Health and Human Services; and those psychiatric and other Mental Illnesses listed in the current edition of the Diagnostic and Statistical Manual for Mental Disorders published by the American Psychiatric Association. Mental Illness and Mental and Nervous Disorder does not mean or include learning disabilities, attitudinal disorders or disciplinary problems. For purposes of this Insurance, Mental Illness and Mental and Nervous Disorder do not include Substance Abuse.
Mountaineering shall mean the sport, hobby or profession of walking, hiking, and climbing up mountains either: 1) utilizing harnesses, ropes, crampons or ice axes; or 2) ascending 4,500 meters or above.
Natural Disaster shall mean any event or force of nature caused by environmental factors that has catastrophic consequences. Covered Natural Disasters are: avalanche, earthquake, flood, hurricane, impact event, landslides, mudslides, tornado, tsunami, tropical cyclone, typhoon, volcanic eruption, and wildfire.
Occupational Disease means an Illness or Injury resulting from or in the course of any employment for wage or profit by the Plan Participant. Occupational Disease is not a contagious disease resulting from exposure to fellow employees or from a hazard to which the workman would have been equally exposed outside of his employment. An Occupational Disease is also not an ordinary disease of life to which the general public is equally exposed, unless such disease follows as a complication and a natural incident of an Occupational Disease or unless there is a constant exposure peculiar to the occupation itself that makes such disease a hazard inherent in such occupation.
Outpatient shall mean an Insured Person who receives care in a Hospital or another institution, including; ambulatory surgical center; convalescent/skilled nursing facility; or Physician's office, for an Illness or Injury, but who is not confined and is not charged for room and board.
Parachuting shall mean an activity involving the breaking of a free fall from an airplane using a parachute.
Physician(s) or Surgeon shall mean a doctor of medicine or a doctor of osteopathy licensed to render medical services or perform Surgery(ies) in accordance with the laws of the jurisdiction where such professional services are performed.
Plan Participant means a person and dependent eligible for coverage as identified in the enrollment/application, for whom proper premium payment has been made when due, and who is therefore a Plan Participant under the Certificate.
Plan means this document, the Master Application of the Policyholder and any end endorsements, riders or amendments that will attach during the Period of Coverage.
Period of Coverage shall mean the Period of Coverage issued by the Company to the Insured Person, typically beginning with the Effective Date and ending with the Termination Date or the date coverage is renewed by the Company.
Policyholder means the entity shown as the Policyholder in the SCHEDULE OF BENEFITS.
Pre-Existing Condition(s) as used in this Certificateshall mean any medical condition, Sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36* months prior to the Effective Date of Coverage under this Certificate, whether or not previously manifested , symptomatic, known, diagnosed , treated or disclosed. This specifically includes but is not limited to any medical condition, Sickness, Injury , Illness, disease , Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the Effective Date of Coverage under this Certificate. *For Insured Persons traveling outside the United States, the period is 12 months instead of 36 months.
Pregnancy means the physical condition of being pregnant, including complication of Pregnancy.
Primary Health Plan is a Group Health Benefit Plan, an individual health benefit plan, or a governmental health plan (Medicare is excluded) designed to be the first payor of claims for an Insured Person in effect prior to the effective date of this Certificateand continuing as long as this Certificateis in effect. Such plans must have coverage limits in excess of $50,000 per incident or per year to be considered a Primary Health Plan.
Relative or Related shall mean spouse, parent, sibling, Child, grandparent, grandchild, step-parent, step-Child, step-sibling, in-laws (parent, son, daughter, brother and sister), aunt, uncle, niece, nephew, legal guardian, ward, or cousin of the Insured Person.
Rest Cures shall mean a treatment, as for nervous disorders, consisting of complete rest, often with special diet, massage, etc., especially at a spa or sanitorium.
Scheduled Departure Date means the date on which the Plan Participant is originally scheduled to leave on the Plan Participant's trip.
Service Provider(s) shall mean a Hospital, convalescent/skilled nursing facility, ambulatory surgical center, psychiatric Hospital, community mental health center, residential treatment facility, psychiatric treatment facility, alcohol or drug dependency treatment center, birthing center, Physician, dentist, chiropractor, licensed medical practitioner, nurse, medical laboratory, assistance service company, air/ground ambulance firm, or any other such facility that the Company approves.
Sickness means Illness, malady or disease which requires treatment by a Physician while covered by this Certificate. All related conditions and recurrent symptoms of the same or a similar condition will be considered the same Sickness.
Sound Natural Tooth or Sound Natural Teeth is a tooth that is whole or properly restored; is without impairment, periodontal or other conditions; is not more susceptible to Injury than a virgin tooth, and is not in need of the Treatment provided for any reason other than Accidental Injury. A tooth previously restored with a crown, inlay, onlay, or porcelain restoration, or treated by endodontics, is not a Sound Natural Tooth.
Spouse means lawful spouse, if not legally separated or divorced, or domestic partner or civil partner.
Substance Abuse shall mean a condition brought about when an individual uses alcohol, chemicals or any other drug(s) in such a manner that his/her health and/or judgement is impaired and/or ability to control actions is lost.
Surgery(ies) or Surgical Procedure shall mean an invasive diagnostic procedure; or the Treatment of Illness or Injury by manual or instrumental operations performed by a Physician while the patient is under general or local anesthesia.
Terrorist Activity shall mean an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or government(s).
Third Person means a person or entity other than the Plan Participant, the Policyholder or the Company.
Traveling Companion shall mean spouse, parent, sibling, Child, grandparent, grandchild, step-parent, step-Child, step-sibling, in-laws (parent son, daughter, brother, or sister), aunt, uncle, niece, nephew, legal guardian, ward, or business partner of the Insured Person.
Treatment(s) means a specific in-office or Hospital physical examination of or care rendered to You, consultation, diagnostic procedures and services, Surgery, medical services and supplies including medication prescribed or provided by a Service Provider.
Trip means a scheduled trip for which coverage for travel arrangements is requested and the premium is paid prior to the Plan Participant's actual or Scheduled Departure Date of the Plan Participant's Trip.
Usual, Reasonable and Customary shall mean the maximum amount that the Company determines is Usual, Reasonable and Customary for Covered Expenses the Insured Person receives, up to but not to exceed charges actually billed. The Company's determination considers: (1) amounts charged by other Service Providers for the same or similar service in the locality where received, considering the nature and severity of the bodily Injury or Illness in connection with which such services and supplies are received; (2) any usual medical circumstances requiring additional time, skill or experience; and (3) other factors the Company determines are relevant, including but not limited to, a resource based relative value scale. For a Service Provider who has a reimbursement agreement, the Usual, Reasonable and Customary charge is equal to the amount that constitutes payment in full under any reimbursement agreement with the Company.
You or Your shall mean the Primary Insured Person and the Primary Insured's Spouse or Dependent.
For Medical benefits, this Insurance does not cover:
1. Pre-existing Conditions which are excluded under this Certificate. This means that any claims for Pre-existing Conditions will not be covered for the duration of this Certificate.
a) If you are a United States Resident and the United States is your Home Country, this exclusion is waived for Eligible Benefits incurred outside the United States as defined below:
1) For persons less than age 65 with a Primary Health Plan as defined in the Certificate, Pre-existing Conditions are waived up to the medical maximum selected.
2) For persons less than age 65 without a Primary Health Plan as defined in the Certificate, Pre-existing Conditions are waived up to the first $20,000.
3) For persons age 65 and over, Pre-existing Conditions are waived up to the first $2,500 regardless of whether there is a Primary
Health Plan.
This waiver does not include coverage for known, scheduled, required, required or expected medical care, drugs, or Treatments existent or necessary prior to the effective date of this program.
b) If you are a non-United States Resident and suffer a Myocardial Infarction or Stroke and are admitted to a Hospital, this exclusion is waived only in order to pay a $200 per night benefit for each night spent in the Hospital, up to the maximum stated in the SCHEDULE OF BENEFITS. The term "Myocardial Infarction" shall require an acute and emergent onset of the condition. The term "Stroke" shall require an acute and emergent onset of the condition.
2. Charges for Treatment(s) of the following Illness(es) or Surgery(ies), which Manifest(ed) themselves or are recommended, or symptoms occur during the first one hundred and eighty (180) days of Coverage hereunder beginning on the initial Effective Date: any condition of the breast; any Treatment of all forms of cancer/neoplasm; any condition of the prostate; disorders of the reproductive system; hysterectomy; gall stones or urologic stones (kidney, ureteral, bladder or urethral stones) and any associated complications; any acne diagnosis or acne related condition; asthma; allergies; tonsillectomy; back conditions; adenoidectomy; hemorrhoids; hemorrhoidectomy; hernia, or any Surgery(ies) that is(are) not Emergency in nature, as Emergency is defined hereunder. (Does not apply to United States Residents traveling outside of the United States)
3. Claims not received by Seven Corners within ninety (90) days of the date of service;
4. Charges for Treatment which exceed Usual, Reasonable and Customary charges; or Charges incurred for Surgeries or Treatments which are Investigational, Experimental, or for research purposes; expenses which are nonmedical in nature;
5. Expenses for vocational, speech, recreational or music therapy;
6. Durable medical equipment;
7. Expenses which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
8. Suicide or any attempt thereof; self-destruction or any attempt thereof; intentionally self-inflicted Injury or Illness;
9. Expenses as a result of or in connection with the commission of a felony or any other criminal or illegal activity as defined by the local governing body;
10. War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not. For the purpose of this Exclusion; ii) Utilization of Nuclear weapons of mass destruction means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). iii) Utilization of Chemical weapons of mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). iv) Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals (including in connection with Terrorist Activity). Also excluded hereon is any Loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the situations described above. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect;
11. Terrorist Activity. For the purpose of this Exclusion, Terrorist Activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist Activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of Terrorist Activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s).The Company shall not be liable for and will not provide coverage or benefits in excess of the maximum stated in the SCHEDULE OF BENEFITS for any claim or charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with any act of Terrorism; and provided, further, the Company shall not be liable for and will not provide any coverage or benefits for any claim, charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with the following:
a) The Insured Person's direct or indirect involvement in the Terrorist Activity.
b) The Terrorist Activity takes place in a country or location where the United States government has issued a travel warning that has been in effect within the six (6) months prior to the Insured Person's date of arrival.
c) The Insured Person unreasonably fails or refuses to depart a country or location following the date a warning to leave that country or location is issued by the United States government.
12. Injury sustained while participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics.
13. Injury sustained while participating in amateur or interscholastic athletics, including but not limited to the event, games, practice,
conditioning and any other activity related to amateur or interscholastic athletics; this exclusion does not apply to non-competitive, recreational or intramural activities. Note: A sponsored and/or organized Amateur or Interscholastic Athletic event includes training camps, team sports, or any formal grouping of people participating in one or multiple events that may/may not require a fee for participation.
14. Occupational Diseases, including but not limited to disease(s) related to asbestos exposure, and the complications thereof, including asbestosis and mesothelioma related to asbestos exposure;
15. Routine physicals, innoculations, or other examinations including but not limited to laboratory, diagnostic, or x-ray examinations where there are no objective indications or impairment in normal health;
16. Diagnosis or Treatment of the temporomandibular joint;
17. Chiropractic care or acupunture;
18. Services, supplies, or Treatment prescribed, performed or provided by a Relative of the Insured Person or any family member of the Insured Person or anyone who lives with the Insured Person. This includes but is not limited to prescription medication and any diagnostic testing;
19. Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids, cosmetic or plastic Surgery (including deviated nasal septum), routine dental expenses, eye refractions or eye examinations for the purpose of prescribing corrective lenses for eye glasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while insured hereunder;
20. Treatment in connection with alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency or use of any drug or narcotic agent; Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor, chemicals, or drugs or narcotic agent,unless administered under the advice of a Physician and said narcotic agent was taken in accordance with the proper dosing as directed by the physician;
21. Any Mental and Nervous disorders or Rest Cures;
22. Congenital abnormalities and conditions arising out of or resulting therefrom;
23. Learning disabilities, attitudinal disorders, or disciplinary problems;
24. Expenses incurred during a Hospital emergency room visit which is not a Medical Emergency;
25. Injury sustained while taking part in Mountaineering, hang gliding, paragliding, Parachuting, paragliding, zip lining, parasailing, bungee jumping, racing by any animal or motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless SSI, PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, windsurfing, snow skiing and snowboarding (except for recreational downhill and/or cross country snow skiing or snowboarding. No cover provided while skiing/boarding in any violation of applicable laws, rules or regulations, away from prepared and market in-bound territories; and/or against the advice of the local ski school or local authoritative body); and any sport or athletic activity which is undertaken for thrill seeking and exposes the Plan Participant to abnormal or extreme risk of injury; Hazardous Sports Coverage: the following are covered if the required premium has been paid: motorcycle/motor scooter riding (whether as a passenger or a driver), hang gliding, Parachuting, zip lining, parasailing, bungee jumping, water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, and spelunking.
26. Treatment paid for or furnished under any other individual, government, or group policy or charges provided at no cost to the Insured Person;
27. Diagnosis and or Treatment of venereal or sexually transmitted disease, including all sexually transmitted diseases and conditions and any and all consequences thereof;
28. Pregnancy expenses or Illness resulting from Pregnancy, childbirth, or miscarriage; or for miscarriage resulting from an Accident or complications of Pregnancy; or for postnatal care;
29. Drug, Treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, Treatment for infertility or impotency, sterilization or reversal thereof;
30. Expenses incurred while the Insured Person is in their Home Country (except after approved Emergency Medical Evacuation / Repatriation or if treatment is a follow-up to a covered disablement during coverage (see Home Country Coverage Benefit) or if the expenses pertain to the Home Country Coverage Benefit);
31. Expenses incurred for which travel was undertaken to seek Medical Treatment for a condition; or incurred after the Insured Person's physician has limited or restricted travel;
32. All charges incurred while confined primarily to receive Custodial Care, Educational or Rehabilitative Care, or any Medical Treatment in any establishment for the care of the aged;
33. Treatment for human organ or tissue transplants and their related Treatment;
34. Weight reduction programs or the surgical Treatment of obesity, including but not limited to wiring of the teeth and all forms of intestinal bypass Surgery;
35. Modifications of the physical body intended to improve the psychological, mental or emotional well-being of the Insured, including but not limited to sex-change Surgery; any drug, treatment, or procedure that promotes, enhances or corrects impotency or sexual dysfunction;
36. Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC) or the Human Immunodeficiency Virus (HIV).
37. Exercise programs, whether or not prescribed or recommended by a Physician;
38. Treatment required as a result of complications or consequences of a Treatment or condition not covered hereunder;
39. Charges for travel accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Return of Mortal Remains, Return of Minor Child(ren), Emergency Medical Reunion, Natural Disaster, and Interruption of Trip sections of this insurance;
40. Diagnosis or Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive materials;
41. Diagnosis or Treatment for acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic and atrophic conditions of skin, nevus;
42. Treatment, services or supplies that are not administered by or under the supervision of a Physician and products that can be purchased without a doctor's prescription;
43. Treatment of sleep apnea or other sleep disorders.
With regards to Accidental Death and Dismemberment, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, Emergency Medical Reunion, and Return of Minor Child(ren), this Insurance does not cover:
1. Suicide or attempt thereof by the Insured Person while sane or self destruction or any attempt thereof by the Insured Person while insane;
2. Disease or Sickness of any kind; (only applicable to AD&D)
3. Bacterial infections except pyogenic infection which shall occur through an accidental cut or wound; (only applicable to AD&D)
4. Hernia of any kind; (only applicable to AD&D)
5. Injury sustained while the Insured Person is riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting, from any type of aircraft;
6. Injury sustained while the Insured Person is riding as a passenger in any aircraft (a) not having a current and valid Airworthy Certificate and (b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
7. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with: a) war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war; b) mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power. c) any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence; d) martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the "Occurrences"). Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Company shall not be liable under this plan except to the extent that the Insured Person shall prove that such consequence happened independently of the existence of such abnormal conditions;
8. Service in the military, naval or air service of any country and while on duty as a member of a police force or unit;
9. Flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpose;
10. Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified Physician or Surgeon;
11. Injury occasioned or occurring while the Insured Person is committing or attempting to commit a felony or to which a contributing cause was the Insured Person being engaged in an illegal occupation;
12. Riding or driving in any kind of competition;
13. Pregnancy, childbirth, miscarriage or abortion;
14. Covered Expenses incurred after the Insured Person's physician has limited or restricted travel; or Covered Expenses incurred as a result of a change in prescribed Treatment during, or within the three (3) months prior to the Effective Date of Coverage.
15. All Emergency Medical Evacuation, Return of Mortal Remains, Return of Minor Child(ren), and Emergency Medical Reunion costs not arranged by Seven Corners Assist.
For Interruption of Trip, this Insurance does not cover: (1) war or any act of war, whether declared or not; participation in a felony, riot or insurrection; participation in contests of speed; a Pre-existing Condition existing prior to the Insured's departure from their Home Country that has the likelihood of causing death; the Insured Person or Traveling Companion or Traveling Companion's family making changes to personal plans; having business or contractual obligations; being unable to obtain necessary travel documents (passports, visas, etc.); being detained or having property confiscated by customs authorities; carrier caused delays (including bad weather); prohibition or regulatory by any government; default of yacht charter companies; default of the organization from which the Insured Person purchased their trip arrangements. All costs not arranged by Seven Corners Assist.
For Loss of Checked Baggage, this Insurance does not cover: animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while checked as baggage with a Common Carrier); household furniture; eye glasses or contact lenses; artificial teeth or dental bridges; hearing aids; prosthetic limbs; musical instruments; money or securities; tickets or documents; or sporting equipment if loss or damage results from the use thereof.
For Political Evacuation and Repatriation, this Insurance does not cover: 1) Losses recoverable under any other insurance or through an employer; 2) Losses arising from or attributable to a) dishonest or criminal acts committed or attempted by the Insured, b) alleged violation of the laws of the Host Country, unless the Company determines such allegations to be fraudulent, or c) failure to maintain required documents or visas; 3) Losses attributable to a) debt, insolvency, commercial failure, or the repossession of any property, b) Insured's non-compliance with a contract or license or c) implementation of illegally contributed exchange rates; 4) Losses due to liability assured by the Insured under any contract. 5) All costs not arranged by Seven Corners Assist.
Exclusions Related to Natural Disaster Evacuation/Repatriation Benefits
1. The Natural Disaster Evacuation/Repatriation of You while in the United States;
2. Any medical expenses incurred by You;
3. The Kidnap and/or ransom of You;
4. Any expenses not related to Natural Disaster Evacuation/Repatriation, including expenses for transportation from the Host Country by normal commercial mans;
5. Natural Disaster Evacuation/Repatriation when the Natural Disaster situation directly giving rise to it precedes Your arrival;
6. The evacuation of You from a Host Country when the evacuation notice issued by the United States or Host Country Government has been posted for a period of more than sixty (60) days.
7. You elect not to depart in a timely manner with evacuation arrangements coordinated by Seven Corners. In this circumstance, coverage for Natural Disaster Evacuation/Repatriation is immediately terminated;
8. Services rendered without the coordination and approval of Seven Corners.
9. Any country subject to the administration and enforcement of U.S. economic embargoes and trade sanctions by the OFFICE OF FOREIGN ASSETS CONTROL (OFAC)
10. Any services other than those indicated and described within this document will not be provided
11. While traveling within 50 miles of Your primary place of residence
For Personal Liability: You shall have no benefits or coverages for, and Underwriters shall have no liability or obligation of any kind to pay or reimburse You or any Third Person or Related Third Person for, any changes, fees (including attorneys' fees), costs, expenses, damages, losses, judgments, claims or other liabilities incurred or sustained by or assessed against You or any Third Person or Related Third Person, if directly or indirectly relating to, arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, occurrences or circumstances, all of which are expressly excluded from coverage under this insurance and all of which Underwriters will provide no benefits or coverages for and shall have no liability or obligation for same, and Underwriters will not pay or reimburse You or any Third Person or Related Third Person for any claims of any kind arising directly or indirectly from, happening through or as a consequence of:
1. Any damages, losses or claims caused in whole or in part by You during any hunt or as a result of hunting.
2. Any criminal, fraudulent, deceptive, willful, reckless, malicious or other unlawful acts or omissions committed by You, or any acts or omissions committed by You in connection with the violation or breach of any laws, statutes, ordinances, legal orders, rules or regulations to which You are subject or by which You are bound.
3. Any loss, damage or claim arising or resulting from the use of any firearms, fireworks, explosives, welding equipment, propane tanks, or other flammables, deadly weapons or hazardous implements.
4. The pursuit of any trade, business, profession or employment activity.
5. Ownership, possession, control or occupation of any land or building.
6. Ownership, possession, control or use of any automobile, motorcycle, ATV, off-road vehicle, watercraft, aircraft, parachute, parasail, glider or any other motorized, gravity-induced, or self-propelled vehicle or craft of any kind.
7. Resulting from any fire, flood, wind, hail, water leak, gas leak, explosion or other catastrophe or loss occurring in or about the residence or premises of any Related Third Person, or in or about the residence or any other premises of which You are the owner, lessee, invitee, licensee, occupant or resident, or in or about any residence or premises which are contiguous or adjacent to any of the foregoing residences or premises.
8. The consequences of any breach, violation or failure to perform any contractual undertakings or obligations of the Member, whether verbal or in writing.
9. Criminal or disciplinary proceedings, charges, arrests, indictments, or arraignments of any kind.
10. Shoplifting, vandalism, theft, conversion, misappropriation, public drunkenness, fighting or brawling, arson, or any malicious or intentional activity resulting in personal injury or destruction of property.
11. Gross negligence, fraud, bad faith, assault and battery, domestic disputes, and all other intentional torts or actions based or sounding in tort without regard to how named or presented.
12. Any collusion, conspiracy, deceit or other fraudulent scheme or artifice to defraud or other fraudulent means or methods.
13. Fines, penalties, assessments or claims by any governmental authorities or regulatory bodies, including traffic fines or traffic violations or parking tickets, and the costs, fees or expenses incurred by You as a witness, custodian, or in any other non-party status in connection with responding to any order to appear in court, subpoena, subpoena duces tecum, notice of deposition, or any other nonparty legal or administrative proceeding or activity.
14. All non-compensatory damages, including without limitation, damages imposed as a punishment, punitive or exemplary damages, consequential damages, lost profits, criminal damages, excessive damages, expectancy damages, incidental damages, liquidated damages, presumptive damages, prospective damages, special damages, speculative damages, statutory damages, double, treble or other multiples of damages, and/or unliquidated damages, and all claims and damages for pain and suffering, loss of consortium, physical discomfort, mental or emotional distress, trauma, disfigurement, dismemberment, loss of use, or scarring.
15. Contractual or employer's liability or workman's compensation claims.
16. Animals or pets belonging to You or any Related Third Person, or in the care, custody or control of You or any Related Third Person.
17. Intentionally committed acts caused or brought about by You.
18. Arising or occurring while You are to any extent under the influence of alcohol or drugs, or due to Your use of drugs, prescription medicines, narcotics or tranquilizers not medically prescribed for You by a licensed physician.
19. Caused by suicide or attempted suicide of You.
20. Participation of You in gambling, gaming, or betting of any kind.
21. Participation of You in any fights, brawls, criminal activity or other unlawful activity.
22. During the practice or participation of sports, recreational endeavors, or athletic activities either as a professional, amateur or novice, unless performed solely for recreational purposes or during high school activities.
23. Hazardous sports of any kind, including but not limited to, American football, boxing, bungee jumping, mountaineering, martial arts, skiing beyond one's abilities, outside of marked boundaries, in violation of rules or regulations, or on unmarked slopes, sky diving, scuba diving, hang gliding, ski jumping, bobsledding, offshore boating, caving and spelunking, polo, fighting sports, Parachuting, hunting, piloting an aircraft, wind-surfing, professional sporting activities of any kind, racing activity of any kind, and any attempt to make or set sporting records.
24. Occurring when You are a passenger in an aircraft other than a commercial aircraft.
25. War, military action or terrorism as defined herein.
26. Thermal, mechanic, radioactive and other effects due to any modification of the atomic structure of matter or the artificial acceleration of atomic particles or due to radiation from radio-isotopes, or the use of nuclear or chemical materials.
27. Judgments or damage awards that have not been ordered, declared or entered within twelve (12) months from the date of the act, omission, occurrence or event causing personal injury or property damage, or within twelve (12) months from the date of termination of group coverage under a Certificate issued under the Master Policy, whichever is earlier.
28. Any lawsuit, claim for benefits, enforcement action, complaint, or other civil or administrative proceeding of any kind brought by or on behalf of You or any Third Person or Related Third Person against Underwriters, the Administrator, and/or the Participating Organization, including without limitation any lawsuit or proceeding alleging breach of contract, bad faith, or any tortuous conduct of any kind, seeking equitable or declaratory relief, or otherwise seeking the recovery, enforcement or effectuation of any benefits or coverages under this Insurance.
29. Any loss, personal injury, property damage or other claim arising or resulting from any act, omission, failure to act, event or other occurrence committed or occurring at any time prior to or subsequent to the Period of Coverage.
30. Any personal injury, medical expense, damage or other loss suffered by a Related Third Person, except for damage to a Related Third Person's personal property which shall be limited to put a maximum of $2,500 and subject to the per Injury/Illness Deductible set forth in the SCHEDULE OF BENEFITS.


text:
'The dollar total of the aid requested is less than was given to the Buffalo Bills, and if not granted, the Sabres most likely will depart and the community will be left with a facility that will be a mostly unused empty shell. That would make no economic sense and would be a major setback to community pride.'
News right to support Hamister bid for the Sabres
December 29, 2002 Submitted by
Via: Buffalo News

subset: commoncrawl


text: Into The Blue SD Rating: Defend your base from enemy ships and harvest your crystals with the challenging game Into The Blue by 2drockers. The controls are similar to Flight Control and your objective is to defend your ships from your attackers. You control the blue transporters. Your enemy are the pink ships firing at you! When you first start the … Read More


text:
Posted by Dan Bieler on December 21, 2011
It does not come as a real surprise that the deal aimed at merging AT&T's and Deutsche Telekom's US wireless operations got nowhere. We were expecting as much back in autumn. In our view, there are no winners as a result of this dropped deal, not even the US consumer. The US consumer can look forward to poorer network infrastructure and a weakened T-Mobile as the low-end market provider. Hence, the Federal Communications Commission and Justice Department attained somewhat of a Pyrrhic victory.
Whilst the collapsed deal is a major irritant for AT&T, it is a disaster for Deutsche Telekom, as it leaves T-Mobile US in a very difficult position. With about 10% of the US wireless subscribers, T-Mobile US remains subscale. Its image is increasingly trending toward cheap rather than good value, given its patchy network coverage, especially in rural areas.
The reluctance by Deutsche Telekom to prepare for a "no-deal scenario" leaves T-Mobile without a clear strategy. This lack of direction is very risky and only pushes T-Mobile further down a slippery slope toward increasing churn and revenue and margin challenges. Deutsche Telekom needs to communicate its plans for 4G roll-out, spectrum purchases, partnerships for network sharing, and device portfolio. Above all, Deutsche Telekom needs to decide soon whether to pursue an IPO, a sale to another operator or a financial investor, or target a merger with the likes of Dish, Leap, Clearwire, Sprint, or even LightSquared. Ultimately, we expect Deutsche Telekom to opt for a merger scenario.
At its 2011 Analyst Event in Boston, Nokia Siemens Networks (NSN) outlined more details of its recently announced strategy review. In our view, the new focus NSN is taking is right. NSN is focusing on growth segments of the infrastructure market and will generate large savings from operating expenses and production overheads. In addition to its focus on providing the most efficient mobile broadband network infrastructure, NSN also highlighted the importance of customer experience management (CEM) as an integral part of its strategy.
NSN also provided more guidance on which market segments it no longer considers core. These include wireline, microwave, Wimax, perfect voice, and business support systems. Some of these, microwave and Wimax, it already spun off. NSN estimates that the overall revenue impact of its non-core disposals will total 10% of its current revenue base. The impact on profit will be less than 10%, as these non-core disposals are low-margin operations.
NSN believes that telcos increasingly demand end-to-end solutions from their equipment vendor partners. No equipment vendors can credibly deliver such end-to-end solutions on their own. Hence, NSN is positioning itself as an ecosystems manager for end-to-end solutions. As part of its innovation drive, NSN increasingly focuses on devising concepts for solutions rather than simply focusing on product upgrades. For instance, Liquid Net is a concept for network infrastructure design that supports a more efficient usage of underutilized infrastructure capacity based on a range of NSN products. Similarly, NSN places great emphasis on its CEM solution, which helps telcos to transform their services offerings by enhancing network-related features that affect customer experience and satisfaction.
Posted by Dan Bieler on December 1, 2011
Nokia Seimens Networks' top management has finally pulled the emergency brakes, after months of unsuccessful attempts to find a buyer. Going forward, NSN will focus on mobile network infrastructure and the services market. All other areas are non-core and subject to disposal. We estimate that about two-thirds of NSN's current portfolio will remain in this new focus area. NSN will retain an attractive product and services portfolio and innovative solutions, as for instance its Liquid Net offering. However, some elements, like convergence offerings, will be difficult to pursue credibly in the future.
In our view, the new focus NSN is taking is right:


text:
|Topic Review (Newest First)
knock downs
OK I have been sailing for a long time and have been knocked down twice be four this summer once years ago in Biscayne Bay on a gaff rig cutter under full sail and another time on a Benateau 35 when a squall caused the jib roller furler to let go. Out came the jib flapping like mad and the sheet line wrapped around a stanchion and sheeted the jib and over she went in about 40kts of wind.This summer while watching a squall about three miles away and moving kind of away from us we sat at ease under the binini top when a cold breeze hit the back of my neck. I stuck my head out and looked straight up and moved to pull in the second reef at that moment it was to late. We were hit and over we went but I was already into a turn and she came back up as we rounded up. All three knock down''s we had the boards in and the hatch closed and you should to if it is nasty weather if it is real bad slip a pin through the hasp to make sure the hatch does not come open.Don''t lock the hatch.The boat came back up when we let go the sheet lines.
knock downs
I have a similar story about a Hobie 18 that went turtle. When I was living in Hong Kong, sailing a Dart 15, a buddy of mine capsized in his Hobie 18. I was on the beach and after seeing him struggle to right it for about 10 minutes, I set off with a burly partner to try to help. I circled as my partner jumped in to lend assistance. Little did we know that leaks on alone the V chine on the bottom of the hulls ((from repeatedly being dragged across coarse sand and, well, from lack of maintenance) had filled one or both hulls. It was all but impossible to right the thing. We probably spent an hour out there before we managed to get the mast to point skyward again and limp back to the beach. If it had happened in anything but warm tropical waters, we''d have been forced to abandon the boat or risk hypothermia!
knock downs
Worst ''mess'' I ever got myself into was on a Hobie 18. I got knocked down and unbenownest to me there was small 1/4" hole due to corrosion at the top of the mast. So while trying to right it the mast slowly filled with water and it turned turtle.
Ever try to right a turtled cat with full sails and a mast full of water while singlehanded? Trust me, it''s not something I recommended
knock downs
I sail a 30 footer. I was knocked down as I approched the marina entrance in about 3 knots of breeze. Out of the south came a gust I was later told topped 60 mph. I was so close to the shore (breakwater) there was no time to prepare. It wasn''t a really big deal I let go the sheets the sails drained, the boat righted hersels and the cockpit drained. I was embarrased but never in any danger. I have been hit by these same sudden gusts while I was in open water. I saw them coming at me across the water and was ready when it arrived..
knock downs
I was sailing with a dingy sailing freind on a 30'' lwl 9 ton gaff rigged sloop coming into Portland Maine. The day was perfect, the sun was out, The wind was strong, 20-30 miles per hour, we were on a beam reach in protected water with no waves to speak of and sailing as fast as the boat will ever go. She had a bone in her teeth and a long wake spread out behind. I was loving it, my freind was terified that the boat was about to roll over...
It all perspective. To knock down the 34 footer will take either really bad seamanship or really bad weather. Do you plan to go sailing in gale force winds? If you do will you refuse to reef the sails? I won''t go any further because I think I have made the point. Don''t spend a lot of time worrying about knockdowns on a 34'' sailboat of the type your thinking of buying. Worry about weather, worry about becoming a competent sailor. If you do those two things you will probabley avoid knockdowns all together.
knock downs
What our friend, the sea-wolf, seems not to grasp in the first place is that a 16-foot dinghy frequently or less so capsizes for fun or unintentionally without any major consequence, while a 34-footer that is knocked down (not because of detachment of her keel) had better stay at port under such weather conditions!
knock downs
I will go one step further than posts here that say a KD is less likely on a 34 than a 16. I say there is no comparison at all. What causes the 16 to be dangerous can be the fun of the 34.
knock downs
And a handheld VHF is a good idea, I think we all keep an eye on the smaller boats when we are entering and leaving. Just since Jan. of this year I have heard keelboats calling Harbor Patrol to assist small boats many times, probably good to have your own if no one''s around. Most sailors have been in centerboard (or leeboard) boats, and probably most have been knocked down. I started as a kid in Sabots and it was a required drill. When the Santana winds would start unexpected it came in real handy to know how to right the boat, and with that how to keep things a little flatter as mentioned. Didn''t take too long to catch on and later sailed 14'' boat in ALL kinds of conditions without putting it wrongside down, thankfully, would have been harder to upright. Personally, I like keelboats at my age cause I don''t like getting THAT wet anymore.
knock downs
As others have said, it''s much harder to knock down a 34 foot keel boat than a 16 foot centerboard dinghy. And, even if you do manage to get knocked down, it''ll probably pop back upright as soon as the wind pressure is off the sails. There is, as Jeff points out, the possibility of water entering through the companionway or cockpit locker while the boat is on its side, but that is not supposed to happen in a properly designed boat in non freak conditions.
But my main advice to you, worth every nickel you''re paying me for it, is to keep sailing a lot in that 16 foot boat you mention. It''ll teach you more about sailing and boathandling, and teach you much faster, than the 34 foot boat. Practice in heavier and heavier air and bigger and bigger waves, but pick times and circumstances in which you will be safe (such as, larger boats nearby who are aware of what you are doing and who can rescue you if you get in trouble). Bring along a physically strong friend, ideally one who is a good sailor. Get to the point when you can maneuver that boat through tacks and gybes, in gusts and in lulls, on top of waves or in troughs, and keep it flat the whole time.
That''ll give you some satisfaction and confidence in your skills, which, at the end of the day, will make more difference in your safety and comfort than will the boat design.
knock downs
A boat as small as 16 foot most likely did not have ballast to offset the force of the wind on the sails. A keel boat will lean so far before either the rudder looses "grip" and the boat heads into the wind or the boat and wind finds a happy medium. I have sailed my 23 foot boat in some heavy winds and it has healed over 40 degrees or so and then did not go any more, it found its happy medium. To get knocked down would take a lot on a boat your size. A lot of wind and some big waves hitting you from the side at the same time.
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'Monks, even if a monk should take hold of the edge of my outer garment and should walk close behind me, step for step, yet if he should be covetous, strongly attracted by pleasures of the senses, malevolent in thought, of corrupt mind and purpose, of confused recollection, inattentive and not contemplative, scatter-brained, his sense-faculties uncontrolled, then he is far from me and I am far from him.'
'Monks, if the monk should be staying even a hundred miles away, yet he is not covetous, not strongly attracted by the pleasures of the senses, not malevolent in thought, not of corrupt mind and purpose, his collection firmly set, attentive, contemplative, his thoughts be one-pointed, restrained in his sense-faculties, then he is near me and I am near him.' (Samyutta Nikaya)
I have gone through some sites on Samyutta Nikaya but the text is still eluding me I guess....


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Mar 02, 2014
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Read 'Is Your Big Data Solution Production-Ready' now, and discover best practices and actionable steps to implementing a production-ready big data solution.


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Play fun cooking games - Free Dress Up Games
Play with Doki with different creative activities that you can play with Doki.
Kitchen-rich than with dora with the recipe is fun and cool.
Play with your Baby Alive doll, you have to entertain a baby, give her milk, change the diaper. Get laugh to baby with toys.
Official fun Peppa Pig game, choose friends of Peppa Pig so you play baseball with them. Play with Peppa the free ball.
Eliana has a party tonight, but there is a problem has acne, help you to delete this imperfection of his face to look Regal tonigh ...
I like the music? now you have to play a beautiful song, press the keys to release the music. Play this fun game.
Cooking with the necessary ingredient for soup it will be with Frutillita
You drink from Minion that you care for him bathing him vitelos and more.
We're in this game to play, you can choose if you want a baby boy or girl dress. Choose the clothes you like best. Give it a try!
This time Sara we will show how to prepare a delicious dish with lamb, is very rich. It pays much attention to the cooking class.


text:
Pond hockey
New England Pond Hockey Classic serves up ice dream Sunday in Meredith
By DAN SEUFERT
Union Leader Correspondent | February 02. 2014 9:01PM
Jillian Nickerson, a teacher at Gilford High School, scores a goal for her Joe's Chicks team at the Fifth Annual New England Pond Hockey Classic on Meredith Bay Saturday. (DAN SEUFERT PHOTO)
This was, according to those watching, pond hockey at its best.
The ice was rough — at least compared to indoor rinks — and snowflakes were flying. Teams in each category — the Open Division, the 30-plus Division, the 40-plus Division, the Legends, Just for Fun Under 35 and Just for Fun Over 35 — were showing their best hockey, or trying to.
"Ah, well," Currier said, "it was a lot of work; it's too bad we lost, but we'll be back next year."
"That's the way the game is," Nickerson said. "No problem, it gets a little rough."
"We'll be back next year," said Deb Spillaine of Franklin, Mass., of The Eagles.
"Maybe win next year," Currier said.
The winners in the Open Division were Paddy's from Cambridge, Mass.; in the 30-plus Division, the winners were the Frozen Hacks of Franklin, Mass.; in the 40-plus Division Rhode Island Rangers of Providence, R.I.; winners of the Legends Division were Essex 73s from Nashua; winners in the Just for Fun Under 35 were Broots Magoots of Manchester; winners of the Just for Fun Over 35 were Pylons from Chelmsford, Mass.; and The Eagles of Boston won the Women's Division game.
* e-Edition subscription required


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The American Studies Program
The American Studies Program is an interdisciplinary program designed to offer the student an opportunity to study American culture in its broadest sense from a variety of perspectives. Each American Studies major is required to develop an individual program that provides breadth of knowledge about a variety of American cultural characteristics, an understanding of American history, and depth of knowledge about a particular aspect of American culture.
Breadth of knowledge is acquired by the American Studies major through course requirements that introduce the discipline of American Studies, explore American history, and fit five categories that describe particular aspects of American culture in greater detail. The major is able to deepen the knowledge of a particular aspect of American culture by taking either a research course or a readings course in American Studies. A list of topics (by no means exhaustive) that might be explored in the context of either a research or readings course includes African American culture, Native American culture, gender issues in American culture, American culture in a global context, the fine and performing arts in the context of American culture, rural and urban studies in America, and the nature of American material and technological culture.
Courses in American Studies are drawn from various departments and fit the following categories:
Human Diversity in American Culture
These courses focus on differing races, ethnic groups, religious groups, gender differences, and differences in sexual preference within the United States. Many view the United States as special insofar as the nation has been forged by people from many different backgrounds. Courses in this category examine the very American interactions among diverse peoples with emphasis on identity, dominance, and plurality.
Americans and Their Natural Environment
These courses focus on the relationship between the geography and ecology of the United States and American culture. Special emphasis is given to the way American culture has cultivated a particular response to natural phenomena. Courses fulfilling this goal examine historical and philosophical reasons for the unusual interest in natural phenomena in the United States.
American Culture Studies
Courses in this category focus on the prominence of popular culture in the United States as a result of the growth of a middle class. Much of what the middle class has helped to generate as cultural artifacts shows a separation that divides popular culture from high culture. Courses fulfilling this goal often explore the complex relationships between high culture and popular culture in the United States. They also examine cultural movements (folk art, for example) that are significant to the broader American culture.
Individualism and Community in America
These courses focus on the dichotomy between self-reliance and the pursuit of self-interest versus the seeming compulsion for conformity that has been widespread in the United States. Courses could explore the distinction between individualism expressed in a positive, laudable way (e.g., rugged individualism) and individualism as a form of deviance. Likewise, community could also be explored in positive and negative terms.
The United States in Cross-Cultural Perspective
These courses examine what people outside the United States perceive as American and what Americans perceive as foreign. American culture has been both idealized and vilified by non-Americans over time just as Americans are guilty of the same behavior with respect to foreign cultures. Americans are stereotyped by foreigners just as Americans stereotype them. Courses that fulfill this goal would focus on the ideals and stereotypes, and their origins, that define the United States from a global perspective and that define the foreign from an American perspective.
Research in American Studies
These courses use primary resources to explore American culture. They allow the student to discover how to critically analyze artifacts, documents, technology, etc. and learn about American culture across the country. One approach that courses fulfilling this goal take is to use Springfield as a laboratory to acquaint the student with the dynamic character of Springfield as a frontier town and later as an agricultural and industrial center.


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By Chris Harris
Arsène Wenger expects Lukas Podolski to thrive in the Premier League - once he adapts to his new role.
The Germany international arrived at Emirates Stadium this summer with a wealth of experience and a prolific scoring record, but he found opportunities hard to come by during his Arsenal debut.
Podolski's hard work was in vain as a resolute Sunderland defence kept him quiet, but the 27-year-old received a vote of confidence from his new manager after the 0-0 draw.
"I see him as a centre forward but he has some work to do, to change his game a little bit, make runs in behind to protect the ball and move around the box," said Wenger.
"When you come from a wide position, it is not easy to do that. But he will get there. He is a fantastic finisher, but had no real opportunity [against Sunderland].
"I will have to watch the game again and see what he did when we had the ball. I will have to study it."
Podolski was replaced by Olivier Giroud after 63 minutes on Saturday and Wenger is confident that his new strike pair will fill the void left by Robin van Persie's departure - and the 37 goals he scored last season.
"You cannot conclude on one game, but we knew before we started [that it would be difficult to replace Van Persie's goals]," he said.
"Podolski and Giroud together scored 40 last year, so we have a credit of three, but unfortunately it does not work like that.
"Overall I am happy with the spirit we have shown, but the frustration is that we are used to more creativity. That was the big miss."Copyright 2017 The Arsenal Football Club plc. Permission to use quotations from this article is granted subject to appropriate credit being given to www.arsenal.com as the source


text: In response to a 1996 Independent Voters Of Illinois Questionnaire, Obama indicated that he supported banning the "Manufacture, Sale And Possession Of Handguns." Question: "Do you support state legislation to ... ban the manufacture, sale and possession of handguns?" Obama's Response: "Yes." (Independent Voters Of Illinois Independent Precinct Organization 1996 General Candidate Questionnaire, Barack Obama Responses, 9/9/96)


text:
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Leon Thal and the therapeutic age of Alzheimer's disease
Alzheimer's disease (AD) is not a degenerative condition
of the aging brain about which nothing can be done (although
such nihilism was accepted for three quarters of a
century after Alois Alzheimer's first report); AD is a specific
and treatable disease. Many, many individuals have
made important contributions to this sea change, but
many in the field would agree that one person, Leon Thal,
did more than any other to bring us into the therapeutic
age of AD.
Leon was among a group of forward thinking scientists
who embraced the cholinergic hypothesis of AD during the
late 1970s and early 1980s. He was among the first to
translate the hypothesis into clinical intervention, conducting
both animal and human studies. His early clinical
trials in AD started with a negative study of choline,
followed by positive studies of physostigmine plus lecithin
and then physostigmine alone. He went on to
investigate tacrine in rodents and was a leader, with
Ken Davis, of the first large-scale multicenter trial of tacrine
in AD, a study that used an interesting enrichment design
to demonstrate the cognitive benefits of cholinesterase
inhibition and was perhaps the pivotal study to launch the
therapeutic age. As Leon commented on acceptance of the
2004 Potamkin Prize for Research in Pick's, Alzheimer's,
and Related Disorders, "The importance of this trial was
that a drug was demonstrated to enhance cognition in AD
and a regulatory pathway for approval of such agents was
established. All subsequent cholinesterase and memantine
marketed have followed this same regulatory pathway."
Approval of tacrine by the Food and Drug Administration
occurred in 1993, and much of the pharmaceutical industry
joined the effort to develop safe and effective AD treatments.
From the collaborative group that conducted the first
large tacrine trial, with the encouragement of National Institute
on Aging visionaries, the Alzheimer's Disease Cooperative Study
(ADCS) was born in 1991. Co-authors of
the tacrine study article, including Lon Schneider, Peter
Whitehouse, John Morris, Claudia Kawas, David Knopman,
and Rachelle Doody, became some of the central figures in
the establishment and growth of the ADCS. The mission of
this organization is to advance the clinical testing of drugs
for AD patients by performing functions that individual
academic centers and the pharmaceutical industry are unable
or unwilling to do. The philosophy for the choice of
drugs tested by the ADCS is to serve the public need to
develop promising new treatments for AD. Leon Thal was
the founder and Director of the ADCS.
Those of us who have attended the ADCS meetings
during the past 16 years and worked on the trials are quite
certain that there is no other person who could have created
this consortium. The drive, humor, intelligence, perseverance,
fairness, diplomacy, wit, and kindness required for
this colossal task existed together in one person only. The
ADCS brought together this country's leading AD clinical
investigators to consider the myriad problems slowing AD
therapeutic research and established the network that has
played a huge role in advancing the field and paving the
road to the breakthrough disease-modifying treatments that
are now close.
What are the contributions of the ADCS to the field of
AD therapeutics? The ADCS brings together, three times
each year, this country's leading academic AD trialists to
consider developments in the field, suggest approaches to
current roadblocks, consider new directions in assessment
methodology and analysis, and discuss ethical issues in AD
drug development. With each National Institutes of Health
(NIH) funding cycle, the ADCS implements therapeutic
trials and instrument development studies selected in a
multi-tiered review process to represent the most essential
projects for public funding.
In its first grant cycle, the ADCS launched a large multicenter
trial, led by Mary Sano, of two antioxidants, vitamin
E and selegiline, for the treatment of moderate stage AD
. This trial demonstrated a modest beneficial effect of each of these
interventions in slowing clinical progression.
These findings had a huge impact on management of AD
and provided evidence that oxidative stress in the brain is an
appropriate target for therapeutic research.
The ADCS has a strong record of accomplishment in the
development, characterization, and refinement of AD assessment
tools, an effort led by Steve Ferris. The
ADCS is now the leading source of standard outcome measures,
including the cognitive portion of the Alzheimer's
Disease Assessment Scale (the most
widely used primary outcome measure in the field), for both
academic and industry investigators. In addition to refinement
of the ADAS-cog, the ADCS has developed assessments
of activities of daily living, global clinical
change, and pharmacoeconomics, among others.
The ADCS Data Core, led by Ron Thomas, working with
the organization's project leaders (including Mary Sano and
Pierre Tariot, for example), have also contributed to novel
analytical methods and clinical targets, such as the use of
composite clinical end points for survival analysis, and
prophylaxis against behavioral disturbance in AD. Notably,
the ADCS study of donepezil and vitamin E in mild cognitive
impairment (MCI), directed by Ron Petersen and
Michael Grundman, established standards for trials in this
population and for the first time showed evidence of response
to treatment.
One task of the ADCS had been to test hypotheses generated
by epidemiologic studies. Two examples of such ideas are
the beneficial effects of estrogen and anti-inflammatory drugs
on the pathobiology of AD. In a series of trials, the ADCS
clearly demonstrated the lack of efficacy of estrogen
and both steroid and nonsteroidal anti-inflammatory
drugs in AD treatment. Although clinical trials only test
specific treatment regimens in strictly defined populations,
these studies have altered perceptions of these theories and
have had a significant impact on public health.
Leon saw the importance of collaborations between
NIH-funded investigators and industry. Industry, federal
regulators, and academic scientists differ in their roles and
aims, but they share the mission of delivering better treatment
options to the public. Shared expertise and collaborative
efforts further the aims of all. The successful joint
venture between the ADCS and Pfizer in the MCI trial
has led to a number of other fruitful collaborations with
large and small companies. A particularly important example
of academic-industry partnership is the Alzheimer's
Disease Neuroimaging Initiative (ADNI). This huge
project, led by Mike Weiner at the University of California San
Francisco, is co-funded by the National Institute on Aging
and a consortium of pharmaceutical companies. ADNI is a
multicenter clinical study using multiple neuroimaging modalities,
along with cognitive, behavioral, and biochemical
assessments, to characterize the utility of various biomarkers
in tracking individuals with AD or MCI as well as
cognitively normal older individuals. ADNI is the most ambitious
private-public collaboration in the field and has
demonstrated the feasibility of real-time posting of study
results with open data sharing. Leon was pivotal in the
design, implementation, and direction of ADNI, working
closely with Mike Weiner, Ron Petersen, and the many
other leaders of the project. The ADCS provides the infrastructure
to support ADNI.
It is not easy to envision the field of AD therapeutics
without Leon's wide-ranging contributions. He was an outstanding
teacher; he encouraged and assisted investigators
at all levels, from students to established leaders. Many
entered the field under his guidance and inspiration; he was
certainly the father of AD clinical trialists. Leon was the
shepherd to all of us; where would we be if he had not led
the way? Millions worldwide have benefited from his efforts.
But more, the next generation of AD therapeutics,
effective disease-modifying agents, will arrive soon and
will represent Leon Thal's greatest legacy.
Copyright 2017 Regents of the University of California.
Copyright 2017 Regents of the University of California.


text:
713-213-4286 firstname.lastname@example.com
Six members of the inaugural Master of Business Administration cohort for teachers were accepted into the International Honor Society of Beta Gamma Sigma, and one will attend a national conference.
The cohort is the product of the collaboration between the University of St. Thomas Cameron School of Business and Houston Independent School District, in which aspiring principals study for an MBA with a concentration in educational administration.
The students inducted into BGS were Jonathan Alaniz, Angela Crowley, Juan Ramirez, Carolos Rodriguez and Quang Tran. This achievement is evidence of the rigorous HISD selection process developed for entrance into district-sponsored university leadership programs.
Election to lifetime membership in Beta Gamma Sigma is the highest honor a business student anywhere in the world can receive in an undergraduate or master's program at a school accredited by Association to Advance Collegiate Schools of Business International.
Students, based on high academic achievement, and tenured business school faculty members are the only ones eligible for membership in the society. With more than 580,000 members worldwide, the society's membership comprises the brightest and best of the world's business leaders. Cameron was awarded as a Premier Chapter for the 2011-2012 year by BGS.
Also benefitting from the UST/HISD partnership is Elsa Mascardo, a UST MBA cohort member and teacher specialist at J. P. Henderson Elementary in HISD. She was selected for the Elevating and Celebrating Effective Teaching and Teachers Conference hosted by the Bill and Melinda Gates Foundation in San Francisco, Calif.
The 2013 ECET2 National Convening has two primary goals. The first is to increase teachers' capacity for understanding and implementing the instructional shifts required to teach the CCSS content, laying the groundwork for a shared understanding of effective practice. The second is to support and strengthen teachers' capacity to be leaders, both within their schools and beyond, with specific support for engaging in collaborative, teacher-to-teacher feedback.
Dean of the School of Education Dr. Nora Hutto said it is a privilege to work with HISD on the program.
"They have been collaborative and supportive in our many partnership efforts," she said. "We work together for the betterment of teaching and learning for all students."
Educating Leaders of Faith and Character
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text:
Congratulations, but...We would like to see pictures! ;)...JP
I nailed screened inner covers on the bottom and the top of the hive body for bringing the bees home, its especially good in hot weather and easier to secure than hardware cloth if you are by yourself.
I'm looking to make my first cutout from the ceiling of an old cement block milk house at a farm. I've several concerns, but you mentioned that you didn't see the queen, but no worry. I guess the idea is that if the comb and brood are removed from the ceiling (in my case) and are placed in the hive box I provide, then the queen will follow?Any other tips? This is my second year.I hate getting stung.


text:
Marc "uwog" Maurer wrote up a great blog post describing the progress of our peer to peer real time collaborative feature AbiCollab.
Just one little point, we "handle" the case of undo/redo interfering with other people's edits (because they made edit's over your work) by detecting if this is occurring then preventing the action. If we allowed undo's through other people's edits, we would have to undo all the remote users changes post the interfering change as well as the change itself in order maintain document integrity. I considered this too intrusive and went with the simpler solution which is easy to understand. Simply:
You can't undo/redo through a remote users changes.
You can type over then, delete them, put them in table, change font colour etc.. but you can't undo them.
Also as Marc said, we're moving towards a Luis compliant business model too :-)


text:
Columbus, Ohio
"Powerful software can provide solutions for all teachers and students, bridging gaps between rich and poor, the language majority and the language minority."
As an English as a Second Language (ESL) teacher, David L. Smith is interested in using technology to support and nurture the development of culture, community, and communication. Smith is also his school's webmaster, a webmaster for the Ohio Teachers of English to Speakers of Other Languages (TESOL), and the chair-elect of TESOL International's Video and Digital Media Interest Section.
Smith is involved in professional development and training for English language teachers at the state and international level. He also presents at educational conferences and writes articles for academic journals and the Ohio TESOL newsletter. He is pursuing a PhD at Ohio State University.


text:
Working on my Nexus S! THANKS!
Using the image from here.
EDIT: The original arm image is working for me as well
iwconfig shows, eth0 IEEE 802.11-DS ESSID:""
Mode:Managed Frequency:2.412
Access Point: Not-Associated
Bit Rate:72 Mb/s Tx-Power:32 dBm
I never thought I would see Backtrack on my phone. This is AWESOME! WOW!306031110.jpg306029692.jpg306034953.jpg
Last edited by Archangel-Amael; 05-28-2011 at 09:28 AM.


text:
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This index coach bolt, nut & washer is perfect for roofing, timber and external projects. With a corrosion resistant coating, the carriage bolt is perfect for all things landscaping.
Next day delivery available on all TIMco products!*
inc VAT
Suitable for a number of uses in the garden, these Index Coach Bolt, Nut & Washers 10.0 x 200 (10 pack) have been salt spray tested to withstand 500 hours thanks to their olive green coating.
This screw conforms to BS EN 14592:2008+A1:2012 for intended use in load bearing timber structures.
*On all TIMco products, order before 2pm for next day delivery. For orders within Ireland, and the Scottish Highlands and Islands, delivery may not be next day but will be sent on the fastest service available.
£6.00 for all 'Standard' orders. These products will be delivered by our UK courier company and are delivered nationally with the exception of Northern Ireland and the Channel Islands. Please allow 3 - 5 working days for delivery.
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text:
Hello everyone. After many years of talking about it my friend and I are finally putting together our mando armor suits.
As I've been looking for resources on construction I've got to say the dented helmet is a gold mine. Let me thank you all in advance, everything I ever wanted to know is all on one site.


text: Greetings from the perpetually damp state of La. (Not LA). Been lurking for a while decided to pop in and let everyone get to know the real me.I'm the one with the goofy grin on my face because I was about to meet Peter Mayhew as he came off the plane in N.O. The local 501st guys were there as an honor guard.


text:
Polk Audio - 10" Dual-Voice-Coil 8-Ohm Subwoofer @ Best Buy - $29.99
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text:
Laws, Regulations & Annotations
Property Taxes Law Guide – Revision 2011
Revenue and Taxation Code
Property Taxation
Part 2. Assessment
Chapter 3. Assessment Generally
Article 2. Information From Taxpayer
Section 455
455. Parcels; sold to the state. The assessor shall not combine parcels into a single assessment when any of those parcels have been declared to be tax defaulted for delinquent taxes. This section does not apply to subdivided land reverted to acreage in accordance with provisions of the Subdivision Map Act and local ordinances.
History.—Added by Stats. 1980, Ch. 411, in effect July 11, 1980, operative January 1, 1981. Stats. 1985, Ch. 316, effective January 1, 1986, substituted "of those" for "such" after "any", and substituted "declared to be tax defaulted" for "sold to the state" in the first sentence.


text:
There has been a lot of discussion about community generated maps. Cloudmade and openstreetmap have made immense progress, but their big drawback is that it required active user input to have the data be routable or reliable. Teleatlas has jumpstarted community generated maps by releasing a paid passively generated database that has been created and augmented by free passive user inputs. (teleatlas press release )
In this Youtube interview Rik Temmink boasts 7 million reports in 18 months which have generated 1 trillion gps measurements on the road network. He describes the beauty of passive user inputs.
The big drawback here is that Teletlas is now charging for these maps generated by their users. Why can't we hack our PDAs, phones, and other devices to create free maps? Most people don't think about the super high costs of map data. Hopefully the community can unite:
- Collecting and sharing GPS data
- Writing an algorithm to process this data into routable and usable information
- Cleaning up open source algorithms to use this new data
- Make the data free and globally available


text:
Tagged 'Student'
An Interview with Matthew Kammerer of UX Booth
- Zach Dunn
- Jan 26, 2009
- 5 Comments
- Articles
Since starting this blog just under two months ago, I've met a lot of truly interesting people in the web design niche. Still being a student myself, I particularly love finding others in my age group doing big things on the internet.
Matthew Kammerer of UX Booth is an excellent example of how age doesn't matter when it comes to success on the web. I had an opportunity this past week to ask him some questions about his background, projects, and future plans. The results are below in Build Internet's inaugural interview.
Continue Reading →
Page 1 of 11


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Cliff Bastin and Jack Lambert scored two goals each as Herbert Chapman's side eased to a 5-0 win over Middlesbrough
British Olympic XI played an England B Trial XI at Highbury
Central defender John Roberts joined Arsenal from Northampton Town. He scored five times in 81 outings while at Highbury before being transferred to Birmingham City
Scotland inside-forward Jimmy Logie, 64, died in London. He netted 68 goals in 296 League games for the Gunners between 1946 and 1955, and made one appearance for Scotland