text:
Networked economy forcing new directions for collaboration
Listen to the podcast. Find it on iTunes. Read a full transcript or download a copy. Sponsor: Ariba.
New levels of collaboration have emerged from an increasingly networked world, and business leaders and academic researchers alike are now sorting out what the new capabilities mean for both commerce and society at large.
To learn more about how rapid trends in collaboration and business networking are driving new innovation and social interactions, BriefingsDirect invited a Harvard Kennedy School researcher and a chief strategist at global business network provider Ariba to a panel discussion.
We joined up Zach Tumin, Senior Researcher at the Science, Technology, and Public Policy Program at the Harvard Kennedy School, and Tim Minahan, Senior Vice-President of Global Network Strategy and Chief Marketing Officer at Ariba, an SAP company.
Tumin isco-author with William Bratton of 2012's Collaborate or Perish: Reaching Across Boundaries in a Networked World, published by Random House. Minahan, at Ariba, is exploring how digital communities are redefining and extending new types of business and collaboration for advanced commerce.
The chat is moderated by Dana Gardner, Principal Analyst at Interarbor Solutions. [Disclosure: Ariba is a sponsor of BriefingsDirect podcasts.
Here are some excerpts:
Gardner: Zach, in your book "Collaborate or Perish," you're exploring collaboration and you show what it can do when it's fully leveraged. And, Tim, at Ariba you've been showing how a more networked economy is producing efficiencies for business and even extending the balance of what we would consider commerce to be. I'd like to start with looking at how these come together.
Tumin: The opportunities for collaboration are expanding even as we speak. The networks around the world are volatile. They're moving fast. The speed of change is coming at managers and executives at a terrific pace. There is an incredible variety of choice, and people are empowered with these great digital devices that we all have in our pockets.
That creates a new world, where the possibilities are tremendous for joining forces, whether politically, economically, or socially. Yet it's also a difficult world, where we don't have authority, if we have to go outside of our organizations -- but where we don't have all the power that we need, if we stay within the boundaries of our charters.
So, we're always reaching across boundaries to find people who we can partner with. The key is how we do that. How do we move people to act with us, where we don't have the authority over them? How do we make it pay for people to collaborate?
A lot of change
Minahan: Collaboration certainly is the new business imperative. Companies have leaned out their operations over the past couple of years and they spent the previous 30 years focusing on their internal operations and efficiencies and driving greater performance, and getting greater insights.
When they look outside their enterprise today, it's still a mess. Most of the transactions still occur offline or through semi-automated processes. They lack transparency into those processes and efficiency in executing them. As a result, that means lots of paper and lots of people and lots of missed opportunities, whether it's in capitalizing on getting a new product to market or achieving new sales with new potential customers.
What business networks and this new level of collaboration bring is four things. It brings the transparency that's currently lacking into the process. So you know where your opportunities are. You know where your orders are. You know where your invoices are and what your exposure to payables are.
It brings new levels of efficiencies executing against those processes, much faster than you ever could before through mostly automated process.
The last part, which I think is most intriguing, is that it brings new levels of insights. We're no longer making decisions blindly. We no longer need to double order, because we don't know if that shipment is coming in and we need to stockpile, because we can't let the refinery go down. So it brings new levels of insight to make more informed decisions in real time.
Gardner: Zach, in your book you're basically describing a new workforce, and some companies and organizations are recognizing that and embracing it. What's driving this? What has happened that is basically redefining the workforce.
It's the demographics
Tumin: It's in the demographics, Dana. Young people are accustomed to doing things today that were not possible 10 years ago. The digital power in everyone's pocket or pocket book, the digital wallet in markets, are ready, willing, and able to deal with them and to welcome them. That means that there's pressure on organizations to integrate and take advantage of the power that individuals have in the marketplace and that come in to their workforce.
Everyone can see what's going on around the world. We're moving to a situation where young people are feeling pretty powerful. They're able to search, find, discover, and become experts all on their own through the use of technologies that 10 years ago weren't available.
So a lot of the traditional ways of thinking about power, status, and prestige in the workforce are changing as a result, and the organizations that can adapt and adopt these kinds of technologies and turn them to their advantage are the ones that are going to prevail.
Gardner: Tim, with that said, there's this demographic shift, the shift in the mentality of self-started discovery of recognizing that the information you want is out there, and it's simply a matter of applying your need to the right data and then executing on some action as a result. Your network seems ready-made for that.
Minahan: The reality of the community is that it is organic. It takes time to grow. At Ariba we have more than 15 years of transactional history, relationship history, and community generated content that we've amassed. In fact, over the past 12 months those, nearly a million connected companies have executed more than $400 billion in purchase, sales, invoice, and payment transactions over the Ariba network.
Aggregate that over 15 years, and you have some great insights beyond just trading efficiencies for those companies participating there. You can deliver insights to them so that they can make more informed decisions, whether that's in selecting a new trading partner or determining when or how to pay.
Should I take an early-payment discount in order to accelerate or reduce my cost basis? From a sales standpoint, or seller's standpoint, should I offer an early payment discount in order to accelerate my cash flow? There are actually a host of examples where companies are taking advantage of this today and it's not just for the large companies. Let me give you two examples.
From the buyer side, there was a company called Plaid Enterprises. Plaid is a company that, if you have daughters like I do who are interested in hobbies and creating crafts, you are very familiar with. They're one of the leading providers for the do-it-yourself crafts that you would get at your craft store.
Like many other manufacturers, they were a mid sized company, but they decided a couple of years ago to offshore their supplies. So they went to the low cost region of China. A few years into it, they realized that labor wages were rising, their quality was declining, and worse than that, it was sometimes taking them five months to get their shipment.
New sources of supply
So they went to the Ariba Network to find new sources of supply. Like many other manufacturers, they thought, "Let's look in other low cost regions like Vietnam." They certainly found suppliers there, but what they also found were suppliers here in North America.
They went through a bidding process with the suppliers they found there, with the qualifying information on who was doing business with whom and how they performed in the past, and they wound up selecting a supplier that was 30 miles down the road. They wound up getting a 40 percent cost reduction from what they had previously paid in China and their lead times were cut from more than 120 days down to 30.
That's from the buy side. From the sell side, the inverse is true. I'll use an example of a company called Mediafly. It's a fast growing company that provides mobile marketing services to some of the largest companies in the world, large entertainment companies, large consumer products companies.
They were asked to join the Ariba Network to automate their invoicing and they have gotten some great efficiencies from that. They've gotten transparencies to know when their invoice is paid, but one other thing was really interesting.
Once they were in the networked environment and once they had automated those processes, they were now able to do what we call dynamic discounting. That meant when they want their cash, they can make offers to their customers that they're connected to on the Ariba Network and be able to accelerate their cash.
So they were able not only to shrink their quote-to-settle cycle by 84 percent, but they gained access to new financing and capital through the Ariba network. So they could go out and hire that new developer to take on that new project and they were even able to defer a next round of funding, because they have greater control over their cash flow.
Gardner: Zach, in listening to Tim, particularly that discovery process, we're really going back to some principles that define being human -- collaboration, word of mouth, sharing information about what you know. It just seems that we have a much greater scale that we can deploy this. How is that fundamentally changing how people are relating in business and society.
Tumin: The scaling means that things can get big in a hurry and they can get fast in a hurry. So you get a lot of volume, things go viral, and you have a velocity of change here. New technologies are introducing themselves to the market. You have extraordinary volatility on your network and that can rumble all the way through, so that you feel it seconds after something halfway around the world has put a glitch in your supply chain. You have enormous variability. You're dealing with many different languages, both computer languages and human languages.
That means that the potential for collaboration really requires coming together in ways that helps people see very quickly why it is that they should work together, rather than go it alone. They may not have a choice, but people are still status quo animals. We're comfortable in the way that we have always done business, and it takes a lot to move us out.
It comes down to people
When crisis hits, it's not exactly a great time to build those relationships. Speaker of the House Tip O'Neill here in United States once said "Make friends before you need them." That's a good advice. We have great technology and we have great networks, but at the end of day, it's people that make them work.
People rely on trust, and trust relies on relationships. Technology here is a great enabler but it's no super bullet. It takes leadership to get people together across these networks and to then be able to scale and take advantage of what all these networks have to offer.
Gardner: Tim, another big trend today of course, is the ability to use all of this data that Zach has been describing, and you are alluding to, about what's going on within these networks. Now, of course, with this explosive scale, the amount of that data has likewise exploded.
Minahan: We've only begun to scratch surface on this. When you look at the data that goes on in a business commerce network, it's really three levels. One is the transactional data, the actual transactions that are going on, knowing what commodities are being purchased and so on. Then, there's relationship data, knowing the relationship between a given buyer and seller.
Finally, there's what I would call community data, or community generated data, and that can take the form of performance ratings, so buyers rating suppliers and suppliers rating buyers. Others in the community can use that to help determine who to do business with or to help to detect some risk in their supply chain.
There are also community generated content, like request for proposal (RFP) templates. A lot of our communities members use a "give a template, take a template" type approach in which they are offering RFP templates to other members of the community that work well for them. These can be templates on how to source temp labor or how to source corrugated packaging.
We have dozens and dozens of those. When you aggregate all of this, the last part of the community data is the benchmarking data. It's understanding not just process benchmarking but also spend benchmarking.
One of the reasons we're so excited about getting access to SAP HANA is the ability to offer this information up in real time, at the point of either purchase or sale decision, so that folks can make more informed decisions about who to engage with or what terms to take or how to approach a particular category. That is particularly powerful and something you can't get in a non-networked model.
Gardner: One of the things I sense, as people grapple with these issues, is a difficulty in deciding where to let creative chaos rein and where to exercise control and where to lock down and exercise traditional IT imperatives around governance, command and control, and systems of records.
Zach, in your book with William Bratton, are there any examples that you can point to that show how some organizations have allowed that creativity of people to extend their habits and behaviors in new ways unfettered and then at the same time retain that all-important IT control?
Tumin: It's a critical question that you've raised. We have young people coming into the workforce who are newly empowered. They understand how to do all the things that they need do without waiting online and without waiting for authority. Yet, they're coming into organizations that have strong cultures that have strong command-and-control hierarchies.
There's a clash that's happening here, and the strong companies are the ones that find the path to embracing the creativity of networked folks within the organization and across their boundaries, while maintaining focus on set of core deliverables that everyone needs to do.
Wells Fargo
There are plenty of terrific examples. I will give you one. At Wells Fargo, for the development of the online capability for the wholesale shop, Steve Ellis was Executive Vice President. He had to take his group offline to develop the capability, but he had two responsibilities. One was to the bank, which had a history of security and trust. That was its brand. That was its reputation. But he was also looking to the online world, to variability, to choice, and to developing exactly the things that customers want.
Steve Ellis found a way of working with his core group of developers to engage customers in the code design of Wells Fargo's online presence for the wholesale side. As a result, they were able to develop systems that were so integrated into the customers over time that they can move very, very quickly, adapt as new developments required, and yet they gave full head to the creativity of the designers, as well as to the customers in coming to these new ways of doing business.
So here's an example of a pretty staid organization, 150 years old with a reputation for trust and security, making its way into the roiling water of the networked world and finding a path through engagement that helped to prevail in the marketplace over a decade.
Minahan: I'd also like to talk about the dynamics going on that are fueling more B2B collaboration. There is certainly the need for more productivity. So that's a constant in business, particularly as we're in tight environments. Many times companies are finding they are tapped out within the enterprise.
Becoming more dependent
Companies are becoming more and more dependent on getting insights and collaborating with folks outside their enterprise.
So policies do need to be put down. Just like many businesses put policies down on their social media, there needs to be policies put down on how we share information and with whom, but the great thing about technology is that it can enforce those controls. It can help to put in checks and balances and give you a full transparency and audit trail, so you know that these policies are being enforced. You know that there are certain parameters around security of data.
You don't have those controls in the offline world. When paper leaves the building, you don't know. But when a transaction is shared or when information is shared over a network, you, as a company, have greater control. You have a greater insight, and the ability to track and trace.
So there is this balancing act going on between opening the kimono, as we talked about in '80s, being able to share more information with your trading partners, but now being able to do it in a controlled environment that is digitized and process-oriented. You have the controls you need to ensure you're protecting your business, while also growing your business.
Gardner: Tim, for the benefit of our audience, help us better understand how Ariba is helping to fuel this issue of safely allowing creativity and new types of collaboration, but at the same time maintaining that the important principles of good business.
Minahan: The problem we solve at Ariba is quite basic, yet one of the biggest impediments to business productivity and performance that still exists. That's around inter-enterprise collaboration or collaboration between businesses.
We talked about the deficits there earlier. Through our cloud-based applications and business network, we eliminate all of the hassles, the papers, the phone calls, and other manual or disjointed activities that companies do each day to do things like find new suppliers, find new business opportunities as a seller, to place or manage orders, to collaborate with customers suppliers and other partners, or to just get paid.
Nearly a million business today are digitally connected through the Ariba Network. They're empowered to discover one another in new ways, getting qualifying information from the community, so that they know who that party is even if they haven't met them before. It's similar to what you see on eBay. When you want to sell your golf clubs, you know that that buyer has a performance history of doing business with other buyers.
They can connect with known trading partners much more efficiently and then automate the processes and the information flows between each other. Then, they can collaborate in new ways, not only to find one another, but also to get access to preferred financing or new insights into market trends that are going on around particular commodities.
That's the power of bringing a business network to bear in today's world. It's this convergence of cloud applications, the ability to access and automate a process. Those that share that process share the underlying infrastructure and a digitally connected community of relevant parties, whether that's customers, suppliers, potential trading partners, banking partners, or other participants involved in the commerce process.
Sharing data
Gardner: When it comes to exposing the data from these processes, assuming we can do it safely, what can we do now that really wasn't possible five years ago?
Tumin: One of the things that we're seeing around the world is that innovation is taking place at the level of individual apps and individual developers. There's a great example in London. London Transport had a data set and a website that people would use to find out where their trains were, what the schedule was, and what was happening on a day-to-day basis.
As we all know, passengers on mass transit like to know what's happening on a minute-to-minute basis. London Transport decided they would open up their data, and the open data movement is very, very important in that respect. They opened the data and let developers develop some apps for folks. A number of apps developers did and put these things out on the system. The demand was so high that they crashed London Transport, initially.
London Transport took their data and put it into the cloud, where they could handle the scale much more effectively. Within a few days, they had gone from those thousand hits on the website per day to 2.3 million in the cloud.
The ability to scale is terribly important. The ability to innovate and turn these open data sets over to communities of developers, to make this data available to people the way they want use it, is terribly important. And these kinds of industry-government relations that makes this possible are critical as well.
So across all those dimensions, technology, people, politics, and the platform, the data has to line up. You need governance and support people, and people to make it work and to trust each other and share information. These are the keys to collaboration today.
Gardner: Zach, last word to you. What do we get? What's the payoff, if we can balance this correctly? If we can allow these new wheels of innovation to spin, to scale up, but also apply the right balance, as Tim was describing, for audit trails and access and privilege controls? If we do this right, what's in the offing?
Tumin: I think you can expect four things, Dana. First is that you can expect innovations faster with ideas that work right away for partners. The partners who collaborate deeply and right from the start get their products right without too much error built-in and they can get them to market faster.
Second is that you're going to rinse out the cost of rework, whether it's from carrying needless inventory or handling paper that you don't have to touch where there is cost involved. You're going to be able to rinse that out.
Third is that you're going to be able to build revenues by dealing with risk. You're going to take advantage of customer insight. You're going to make life better and that's going to be good news for you and the marketplace.
Constant learning
The fourth is that you have an opportunity for constant learning, so that insight moves to practice faster. That's really important, because the world is changing so fast, you have the volatility, a velocity, a volume, variability, being able to learn and adapt is critical. That means embracing change, setting out the values that you want to lead by, helping people understand them.
Great leaders are great teachers. The opportunity of the networked world is to share that insight and loop it across the network, so that people understand how to improve every day and every way the core business processes that they're responsible for.
Gardner: Allow me to extend a big thanks to our guests, Zach Tumin, Senior Researcher at the Science, Technology, and Public Policy Program at Harvard Kennedy School, and the co-author with William Bratton of Collaborate or Perish: Reaching Across Boundaries in a Networked World, and Tim Minahan, Senior Vice-President of Global Network Strategy and Chief Marketing Officer at Ariba.
Listen to the podcast. Find it on iTunes. Read a full transcript or download a copy. Sponsor: Ariba.
You may also be interested in:
- Collboration-Enhanced Procurement and AP Automation Maximize Productivity and Profit Gains in Networked Economy, Says Ariba's Drew Hofler
- Ariba Network Helps Cox Enterprises Manage Procurement Across Six Different ERP Systems
- Ariba CMO Tim Minahan on how networked economy benefits spring from improved business commerce and cloud processes
- Ariba Dynamic Discounting Gives Companies New Visibility into Cash Flow to Improve the Buying Process
- Ariba, IBM Deal Shows Emerging Prominence of Cloud Ecosystem-Based Collaboration and Commerce
- Ariba Steps Up Cloud Efforts with StartContracts, On-Demand Contract Management for SMBs


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Home A B C D E F G H I J K L M N O P Q R S T U V W X Y Z #
intro(fading in): Drifting, drifting, drifting, drifting, drifting, drifting, drifting, drifting, drifting by, totally. Drifting by(just)4otally. Drifting by(just)totally Q-Tip: The deadly venom, let me start from the beginning We always hittin, so yo, there'll be no extra innings As I send the mic out the park like Reggie Jackson You be the minor leaguer who sees no action The coming attraction(what!) The main feature And I'ma greet ya, like a rhymin a** creature Lurking all up in the dark, unknown parts The brotha well prepared is the brotha who will start And that's me Akki, as long as the ladies move they bodies We'll have a four-on-two stand Cuz that happens to be the nature of man Sexuality, it is the format baby Ain't no ifs, no buts, no ands, or maybes But I praise Lord in the worlds that's unseen Respect me for that and let me do my thing(just) I said, respect me for that and let me do my thing Chorus: (Drifting by)You know we gotta get a hold (totally) Over the illest drum rolls (totally drifting by just...) Yo, how you doin? Let me give you an intro My name's the Abstract, now let me give you some info Got the diamond in the back, and the sunroof s**t That makes the hardcore MCs resort to being b**** And I don't give a s**t about being wild rich Just make me comfortable and I'll deal with it Your lust for the riches make a n**** feel sick Down to his zealots, upchuck and then spit Denouncin my beliefs, well then your wig get split Lay your ego on the ground so that you'll benefit You can take these words and relay it to your click Take some time for your mind and get off them head trips The Tribe is the crew that makes your mics get lit Like the Fourth of July on some firework s**t My record company be on some true jerk s**t But that's i-ight. Now, I'm on some true work s**t And I'ma make it happen for my whole outfit Chorus: (Drifting by)You know we got to get control (totally)Over the illest drum rolls (totally drifting by just...)Third verse A-yo, we just gettin started Got to redirect this vision Got the beauty of a flower Plus dimensions like a prism Your minds are locked down like prison Y'all really need to go lay down Cuz positivity has risen We hittin Yo bust how we too strong to be broken Occasional malfunction pressure time We ain't jokin For security we on this run like Logan Kamaal's doin the hustle And you backstage voguin We all got flaws Don't ever try to think that you perfect We all are human beings There's bulls**t at the surface Sometimes, I mean we rhyme Damn, we ain't prophets And if you think so, you need to stop it So jump back inside your shell Let your million dollar thoughts propel But next man don't get jel Playa hate that all carries weight That we don't need We slim with disabilities and Thick with possibilities Cuz then you can't move with fertility Navigatin with good visibility We put these tunes out in record shop facilities Let's strive to get this constant money activity We try to stay on the scene like Fidel So if you get enraged with these names it still rebels There ain't no plan B's Yo watch, we movin through with plan A Money market doin things the right way Chorus: (Totally)You know we got to get control (Drifting by, just)Over the illest drum roll (Totally drifting by just...)(x3) (Totally just(x2), Drifting by(x2) in background) Yo bust it out section, section. Section Linden Boulevard Section on Merrick Section the whole Jamaica Section on Flushing Section in Bed-Stiduy

subset: commoncrawl


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Ok, finally it is done! This is a side project that I have been undertaking on and off for the past 2-3 months, after getting inspired by Andy Kriebel's (t | b) Tableau project – Visual Vocabulary. There were a lot of times when I thought it simply wasn't worth the effort, and I dropped it. But somehow I managed to drag myself back into it and it truly has been a "labor of love" as Andy quoted it. The perfectionist in me is still not 100% happy with the end result, and I know for sure that there are ways to make it better. But I will still count it as a personal victory that I managed to get it this far!
The Financial Times Graphics team created the Visual Vocabulary poster to help all of us make better chart choices. And based on this, Andy Kriebel created the interactive Tableau Edition of the the same.
I was so inspired by it that I decided to create the Power BI Edition, and tried to make it as similar as possible. I also added a few more charts that I thought are relevant. Without further ado, here is the end result.
Note that there are some R/Python visuals and currently, R/Python visuals are not available on "Publish to Web". Hence, I have just used a checkbox on the top of the report to show the images wherever R visuals are used (can be identified by the colorful border around the image). However, you can download the source file and then publish it to your tenant, and see the actual R visuals there in a browser by unselecting the checkbox. You can also look at the pbix file and see the source code behind the visuals.
- Andy Kriebel (t | b): Thank you for all that you do for the #dataviz community. I wouldn't have tried this project if I had not seen your post. Even the design as well as the data for most of the visuals are copied from your Tableau Workbook.
- FT Graphics Team (link): Alan Smith; Chris Campbell; Ian Bott; Liz Faunce; Graham Parrish; Billy Ehrenberg; Paul McCallum; Martin Stabe
- Power BI & Tableau Community: for sharing all your amazing #dataviz techniques. The tools might be different, but the techniques that you learn in one tool can easily be applied in others. E.g. – creating cartograms in Power BI became all the more simpler because of the Tableau community blogging about using Alteryx to generate the shapefiles. And a huge thanks to the creators of the Power BI Custom visuals – this project would not be possible if it wasn't for all your effort in creating and sharing those custom visuals.
- Konstantinos Ioannou (t): for opening up my mind regarding the potential of R/Python visuals as well as creating most of the R visuals in this project.
- David Eldersveld (t | b) – for being my sounding board
- Nujcharee (t) – for creating Violin Plot visual using R for me and kickstarting my R visuals journey
- Pragmatic Works (b) – for blogging about all those amazing custom visuals in Power BI
Source File
You can download the source file from here. Note that you will have to get your own MapBox tokens to view some of the maps in the Spatial section. More info on the same here.
This section will be updated with links on how I created those charts (if I can drag my lazy ass back to this once more!).


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Here is the list of top 100 hospitals in US by Thomson Reuters in 10 categories. Texas, Florida, Pennsylvania and California have the highest number of top ranked hospitals in the list. Interestingly, there is not any top ranked hospital in the State of New York.
Major Teaching Hospitals
UC San Diego Medical Center – Hillcrest – San Diego, CA*
Advocate Illinois Masonic Medical Center – Chicago, IL
Advocate Christ Medical Center – Oak Lawn, IL
Ochsner Medical Center – New Orleans, LA*
Baystate Medical Center – Springfield, MA
Beth Israel Deaconess Medical Center – Boston, MA
St. Joseph Mercy Hospital – Ann Arbor, MI
Doctors Hospital – Columbus, OH
Geisinger Medical Center – Danville, PA
Allegheny General Hospital – Pittsburgh, PA
Penn Presbyterian Medical Center – Philadelphia, PA
Vanderbilt University Medical Center – Nashville, TN
Baylor University Medical Center at Dallas – Dallas, TX
Scott & White Hospital – Temple, TX
The Methodist Hospital – Houston, TX
Teaching Hospitals
Scripps Green Hospital – La Jolla, CA
Poudre Valley Hospital – Fort Collins, CO
Morton Plant Hospital – Clearwater, FL*
Carle Foundation Hospital – Urbana, IL
St. Vincent Indianapolis Hospital – Indianapolis, IN
St. Luke's Hospital – Cedar Rapids, IA
Mercy Medical Center North Iowa – Mason City, IA
Mercy Medical Center – Baltimore, MD
Saint Vincent Hospital – Worcester, MA
Munson Medical Center – Traverse City, MI
Beaumont Hospital, Troy – Troy, MI
Hackensack University Medical Center – Hackensack, NJ
Mission Hospital – Asheville, NC
Kettering Medical Center – Kettering, OH
UPMC Hamot – Erie, PA
Robert Packer Hospital – Sayre, PA
Bryn Mawr Hospital – Bryn Mawr, PA
Lankenau Medical Center – Wynnewood, PA
AnMed Health Medical Center – Anderson, SC
Saint Thomas Hospital – Nashville, TN
Memorial Health Care System – Chattanooga, TN
Memorial Hermann Hospital System – Houston, TX
Baptist St. Anthony's Health System – Amarillo, TX
McKay-Dee Hospital Center – Ogden, UT
Bon Secours St. Mary's Hospital – Richmond, VA*
Large Community Hospitals
Banner Boswell Medical Center – Sun City, AZ*
Providence Little Company of Mary Medical Center -Torrance, CA
Centinela Hospital Medical Center – Inglewood, CA
Martin Health System – Stuart, FL
Sarasota Memorial Hospital – Sarasota, FL*
Kendall Regional Medical Center – Miami, FL
Ocala Regional Medical Center – Ocala, FL
Delray Medical Center – Delray Beach, FL*
Mease Countryside Hospital – Safety Harbor, FL
Advocate Good Samaritan Hospital – Downers Grove, IL
Owensboro Medical Health System – Owensboro, KY
Clara Maass Medical Center – Belleville, NJ*
Community Medical Center – Toms River, NJ
Gaston Memorial Hospital – Gastonia, NC
St. Clair Hospital – Pittsburgh, PA
Trinity Mother Frances Hospital – Tyler, TX
St. David's Medical Center – Austin, TX
Memorial Hermann Memorial City Medical Center – Houston, TX
CHRISTUS St. Michael Health System – Texarkana, TX
St. David's North Austin Medical Center – Austin, TX
Medium Community Hospitals
Baptist Medical Center East – Montgomery, AL
Garden Grove Hospital Medical Center – Garden Grove, CA
French Hospital Medical Center – San Luis Obispo, CA*
West Anaheim Medical Center – Anaheim, CA
Chino Valley Medical Center – Chino, CA
Doctors Hospital of Sarasota – Sarasota, FL*
Northwest Medical Center – Margate, FL
Gulf Coast Medical Center – Panama City, FL
Cleveland Clinic Florida – Weston, FL
Dupont Hospital – Fort Wayne, IN
Saint Joseph Hospital – Bangor, ME
Holland Hospital – Holland, MI
Mercy Hospital Clermont – Batavia, OH
Sycamore Medical Center – Miamisburg, OH
Paoli Hospital – Paoli, PA
Doylestown Hospital – Doylestown, PA
Bon Secours St. Francis Hospital – Charleston, SC
St. David's Round Rock Medical Center – Round Rock, TX
Ogden Regional Medical Center – Ogden, UT
Augusta Health – Fishersville, VA*
Small Community Hospitals
St. Elizabeth Community Hospital – Red Bluff, CA
Sutter Davis Hospital – Davis, CA
Desert Valley Hospital – Victorville, CA
Gulf Breeze Hospital – Gulf Breeze, FL
Sacred Heart Hospital on the Emerald Coast – Miramar Beach, FL
Saint Joseph Regional Medical Center – Plymouth, IN
Major Hospital – Shelbyville, IN
Harlan ARH Hospital – Harlan, KY
Spectrum Health United Memorial – Greenville, MI
Mercy Hospital Cadillac – Cadillac, MI
St. Joseph Health System – Tawas City, MI*
Lakeview Hospital – Stillwater, MN
Woodwinds Health Campus – Woodbury, MN
The HealthCenter – Kalispell, MT
Samaritan Regional Health System – Ashland, OH
Dublin Methodist Hospital – Dublin, OH
Ponca City Medical Center – Ponca City, OK
Baylor Medical Center at Waxahachie – Waxahachie, TX
Hill Country Memorial Hospital – Fredericksburg, TX
Memorial Hermann Sugar Land Hospital – Sugar Land, TX
If all Medicare patients received the same quality service as patients of these hospitals, more than 186,000 additional lives could have been saved.


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In the next decade in Canada, remarkable prospects will open up for tradespeople with management training.
The Globe and Mail reports that Canada is facing a shortage of one million tradespeople by 2020. As a result, opportunities will abound for managers able to organize and lead productive teams of skilled workers.
If you are currently employed in a trade and would like to take the next step in your career, the Bachelor of Business Administration in Trades Management at 51污漫 can prepare you to move from the shop floor to a manager's office.
This innovative program combines bridging courses (such as business math, statistics, writing, and management techniques) with core business curriculum in the areas of human resources management, marketing, financial management, industrial relations, project management, research, strategic management, information systems, and management of innovation, as well as special topics in areas such as environmental sustainability.
When you graduate, you have acquired essential skills in all areas of business and leadership and are fully equipped to own, operate, or manage your own business or a group of employees.
Currently in Canada, economists predict that a shortage of skilled trades workers may affect the country's ability to compete in the global market. In fact, these shortages have recently triggered immigration reform to allow an influx of foreign workers to fill in vacancies.
Just as acute are shortages of supervisors to organize and manage teams and projects. Human Resources and Skills Development Canada reports a shortage of managers in construction, transportation, agriculture, logging and forestry, as well as mining, oil and gas. As a large cohort of older, skilled workers are entering retirement in the next decade, management and leadership positions are expected to open for trades workers with the right skills and credentials.


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House of Commons
Session 2013-14
Publications on the internet
The Register of Members' Financial Interests: Part 1
As at 9th December 2013
COFFEY, Ann (Stockport)
2. Remunerated employment, office, profession etc
4 December 2012, received £70 for completion of survey from Populus, Northburgh House, 10 Northburgh Street, London EC1V 0AT. Hours: 30 mins. Payment made direct to Stockport Constituency Labour Party. (Registered 24 December 2012)


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Merkl-Davies, Doris M.
Preferred name
Merkl-Davies, Doris M.
Official Name
Merkl-Davies, Doris M.
Research Output
Now showing 1 - 1 of 1
Accounting Narratives and Impression Management
2013-04, Brennan, Niamh, Merkl-Davies, Doris M.
This chapter focuses on impression management in accounting
communication. Impression management entails the construction of an impression
by organisations with the intention to appeal to their audiences, including
shareholders, stakeholders, the general public, and the media. If successful,
it undermines the quality of financial reporting and capital misallocations
may result. What is more, wider social and political consequences include
unwarranted support by non-financial stakeholders or by society at large. Impression management is
examined by reference to four perspectives: the economic, psychological,
sociological, and critical. These variously conceptualise impression management
as reporting bias, self-serving bias, symbolic management, and ideological


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The Quarter Rail, approximately 18 inches in length when mounted on the Patriot™ bed, can be used as a head assist, head rail, or foot rail. This rail provides minimal rail coverage and gives assistance when entering or exiting the bed. The Quarter Rail's non-telescoping inner and outer tubes overlap in conjunction with the Patriot™ mounting system, resulting in a very sturdy rail. Designed to offer added protection, the Lumex Liberty Rails follow the FDA Hospital Bed System Dimensional Guidance to Reduce Entrapment and the Hospital Bed Safety Workgroup and FDA Dimensional Test Methods for Bed System Zones 1-4 to reduce bed entrapment.Features:
Improved rail design decreases the spacing between the crossbars, thus reducing the risk of entrapment
New bed rail length closes open areas that can occur during full bed articulation
Rails now mount in fixed patent pending rail slots on Patriot™ bed deck to prevent sliding and moving — easy installation saves delivery and setup time and ensures proper rail placement
Spring-loaded, self-adjusting crossbraces feature safety tabs that prevent accidental disengagement when bumped or during application of side pressure
Patriot™ Liberty Bed Rails have been tested to the highest Medical Bed System standards
Designed to be used specifically with the Patriot™ and WhisperLite™ II full-electric beds that are commonly used as standard-height or low beds
Heavy-duty steel construction
Rails are powder-coated with an environmentally-friendly, long-lasting hammertone finish and secure gripping surface
Tool-free installation
The Quarter Rail can be mounted on the bed's foot and the GF6590B-1 mounted on the bed's head to create the Patriot™ split rail system.
3 Year Limited Warranty
Designed to meet the requirements of HCPCS E0310
Overall length:
(full extension) 18";
Overall height:
Product Weight:
12.75 lb
Specifications are subject to change without notice.The information provided herein regarding recommended usage is in fact a recommendation. Please consult your healthcare professional for proper guidance and selection of homecare bed rails to best suit intended user needs.
Constructed of the highest quality health care grade PVC.
Deluxe elongated extra heavy-duty, contoured open from seat
Dual reinforcement into the caster fittings adds additional support
Quick drying, removable mesh back support is standard in all shower chairs.
Mesh available in your choice of 11 colors –
Royal Blue mesh will be provided for online orders. If you desire another color or vinyl, please order via Customer Service at 1-800-347-5678.
Ergonomic curved arms provide support without sharp edges and include anti-slip handgrips for added safety.
Threaded stem casters for additional safety.
Specify from multiple mesh backing colors.
Optional telescoping footrest feature allows footrest to move in or out with ease.
One year limited warranty on PVC frame; six month limited warranty on all other materials.
Contains 6 screws, 2 bolts, 2 washers, 2 spacers, and 1 wrench
The Lumex Walkabout Four-Wheel Imperial (Bariatric) is ideal for larger individuals. Similar to the Walkabout Lite, this rollator offers a comfortable, lightweight and affordable solution to mobility. Designed with an aluminum frame, this lightweight rollator weighs 20 lbs and supports a maximum weight capacity of 500 lb – EVENLY DISTRIBUTED. The Walkabout folds quickly and easily into a compact unit for storage and transport.Other features include:
Ergonomic hand grips
Easy to operate locking and "quick stop" loop brakes (pull up to stop; push down to lock)
Padded 20"; wide seat for increased seating surface and added comfort
Removable padded backbar
Adjustable handle height to accommodate broad range of user heights
Durable, heavy duty 8"; wheel for indoor and outdoor use
Basket included that can be placed underneath seat for carrying of personal items
Designed to meet the requirements of HCPCS codes: E0149 & E1056
Includes easy to read, retail-friendly user manual
Lifetime Limited Warranty
And now with added rear reflectors that increase visibility at night!
Width Inside Handgrips
Overall Width
Overall Depth
Seat Width
This scale will fit every need of the veterinarian and someone looking for a bariatric scale offering a stainless steel platform with the heavy duty rubber mat making this scale very durable and long lasting. It's low profile makes using this scale very easy with no stepping up or lifting of the animal. Weight capacity of 600 lb or 270 kg with .2 lb or .1 kg (100 g) weight graduations. Other features include:
Auto-zero, auto-tare, weight lock-in and auto-re-weigh functions so there is no need to remove your patient from your veterinarian scale.
Easy-to-read digital display has a and one half"; LED digital display which may be wall or counter top mounted offering eye level reading. Display size 7"; X 4 and one half"; X 7 1/4";
Dual power source with rechargeable battery with 120V adapter/charger (both included)
1 Year Limited Warranty


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Introduce yourself as a writer, and then brace yourself for the obvious first question. Where do you get your ideas?
Not why on earth would you be idiot enough to waste all those hours one-on-one with a keyboard/pen and paper when you could be playing basketball, knitting, watching TV, listening to ambulance runs on the radio, petting the cat, or (insert -ing action-word here followed by noun)?
The better question would be where "don't" ideas come from?
One of my favorite writers is John D. MacDonald. Dean Koontz turned me on to him. (In fact, I blame Koontz for all the hours I've spent with the pens drippings from John D., Ed Gorman, Joe Lansdale, Norman Partridge, and James M. Cain.) Koontz -- in his biography -- claimed MacDonald's writing had a profound effect on his own storytelling.
MacDonald obviously plucked his ideas from life. His is the eye focused well on the 50s and 60s, moving from post WWII male-domination mind-set to the burgeoning sexual revolution. Sometimes he did this through his continuing character Travis McGee.
"Most readers loved MacDonald's work because he told a rip-roaring yarn," Carl Hiassen says in his Introduction to a reprint of MacDonald's DEEP BLUE GOOD-BYE. "Every McGee saga guarantees such splendidly mordant commentary. The customary targets are greedhead developers, crooked politicians, chamber-of-commerce flacks, and the cold-hearted scammers who flock like buzzards to the Sunshine State. For John D. MacDonald, these were not just useful fictional villains; they were villains of real life."
Inspiration? Where is it not?
Yet even the master had his walls. It was said John D. would begin typing somebody else's story word for word until his own story took form in his mind. Whatever stokes the creative fires.
Every writer would well to study MacDonald's way with words. The Late Richard Laymon thought so. In fact, he shared his own joy at reading John D.'s stories several years ago in Baltimore with some young writers gathered in Brian Keene's living room during KeeneCon 2000, the precursor to the HorrorFind Weekends.
Laymon wasn't alone in his feelings for MacDonald. Most every good writer I know readily names a favorite MacDonald title. Joe Lansdale claimed SOFT TOUCH as his favorite; Ed Gorman named DEAD LOW TIDE. Koontz offers out SLAM THE BIG DOOR; CRY HARD, CRY FAST; LAST ONE LEFT, and THE END OF THE NIGHT. Add to that list Dallas Mayr (Jack Ketchum), Jay Clarke (Michael Slade), the late Ian Fleming, and scads of others. And don't forget to include Stephen King on that list.
King has said that MacDonald was "the great entertainer of our age, and a mesmerizing storyteller."
What can be learned from John D. MacDonald is.. well, most everything: style, plot, character, description, suspense, location, politics, tenderness, and capturing much like a photographer, a period of time. Kurt Vonnegut, Jr. said: "To diggers a thousand years from now... the works of John D. MacDonald would be a treasure on the order of the tomb of Tutankhamen."
MacDonald zeroed in on Florida at a time when the place was being mined for its riches: its lush paradise of clear water, sandy beaches, and plenty of warmth year round. And yet for every manatee slipping through sparkling waters, John D. held up Lysol-pungent backwater motels, stiletto-heeled Trixies, and furtive-eyed, underhanded operators. The seamy side, the lost side of paradise exposed on those sandy beaches.
Even his hero, Travis McGee, was eventually unleashed, revealing his full unbridled torrent of personal and most savage revenge in THE GREEN RIPPER. The novel won both awards for such a well-told story and scorn for its violence. Many fans claimed Trav would never had acted like that. I trust the author knew precisely what he was doing.
But this is about ideas, and John D. was all about that. Seeds of birth for THE EXCUTIONER, which eventually was renamed CAPE FEAR, came from another writer's taunt that John D. couldn't write a bestseller or a story that would become a film. He dashed those notions in one work.
But really, why do people want to know where your ideas come from? Writing is creating, and "creation" remains mysterious. Or… they think they want to write. Fame and fortune and all that.
John D. MacDonald did a truly wonderful job of handling that hot potato as he offered in his Introduction to Stephen King's NIGHT SHIFT:
"I am often given the big smiling handshake at parties (which I avoid attending whenever possible) by someone who then, with an air of gleeful conspiracy, will say, 'You know, I've always wanted to write.' I used to try to be polite. These days I reply with the same jubilant excitement: 'You know, I've always wanted to be a brain surgeon.'"
You may try that answer on for size, though please remember that most people aren't being snarky. They actually might envy you for entering where they fear to tread.
Seek and find stories by John D. MacDonald. You won't regret it. In fact, you just might be inspired. Reading does that.


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CCB License#218431
Posted by: Elite Restoration LLC on October 21, 2022
As with all insurance related questions, the answer is that it depends on your coverage. Usually, though, the answer is yes. While there are some types of water damages that aren't covered by standard policies or reasons your policy might not cover the damage, if the water damage is covered by your policy the drying process will also be covered.
That depends on the types of materials that were affected by water. Drywall, carpet, and hardwood floors will take longer to dry than other materials in the space. We use moisture meters throughout the process and in many different locations to gauge the moisture levels and will continue to adjust our fans and dehumidifiers to achieve an efficient but effective dry time. The bare minimum of "three days to dry" may only produce a surface dry, but can still leave behind moisture levels that create an ideal environment for mold to grow.
There are multiple aspects of the drying process that are used in combination to efficiently and effectively dry a property. Water extraction is the physical removal of excess water which can look like pumping out standing water or extracting water from a carpet. Air movement is integral to the drying process. Without proper air circulation water will not evaporate and will continue to saturate the surfaces where it sits. Not only does this slow the drying process and cause more damage to the excess materials, it can create the potential for mold and other microbial growth. Finally, dehumidification is one of the most important parts of the drying process. Dehumidifiers are used to collect excess water vapor by pulling it from the air. This helps pull water out of porous surfaces and other trapped spaces.
Structural drying is the removal of excess moisture from building materials. The term structural in this case can be somewhat confusing for the uninitiated because it doesn't necessarily always mean materials that are part off the building structure, but to the parts of the building that are necessary to dry without the need for extensive demolition.
There are many kinds of equipment that are important to complete drying of a water damage. At Elite Restoration, our knowledgeable staff utilizes the best equipment available to ensure your home is completely taken care of.
Air Movers
Air movers, more commonly recognized as fans, come in different shapes and sizes. Each job is unique and will require different numbers and sizes of air movers. Our professionals have the knowledge to create the appropriate combination of fans and other equipment to effectively dry your home.
Dehumidifiers are integral to the drying process. hey pull excess water from the air and from building materials to ensure complete drying. Like fans, there are many different sizes and styles of dehumidifiers that can be used in combination to create the best solution possible for each job's specific needs.
Without meters, restoration professionals cannot determine the extent of the damage nor track the progress of drying. There are varying types of moisture meters, but all of them serve the same function: determine the amount of moisture in the materials that were affected by the water.


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"Journalists must be able to cover public demonstrations," said CPJ Executive Director Joel Simon. "Police in Columbus, Georgia, should carry out an internal investigation into this incident and in the future should implement procedures to ensure that journalists are able to do their jobs without interference."
In a video that was later posted on YouTube, officers can be seen arresting Kaelyn Forde. She repeatedly apologized to officers, said she moved when asked, and asked why she was being arrested as two officers forced her hands behind her back and put on plastic wrist cuffs. Forde later appeared on Russia Today saying she was treated aggressively by police and showed bruises on her arms from what she said was rough handling. The YouTube video shows Forde being compliant as she persisted in asking officers why she was being arrested.
The two journalists were arrested with a group of protesters as they were leaving the demonstration site, Deputy Police Chief Charles Rowe of the Columbus police department told CPJ. All the arrested individuals were ordered to disperse, and they did not disperse, said Rowe.
The Russia Today television crew was covering a nonviolent demonstration outside Fort Benning, which includes the U.S. military training center previously called the School of the Americas and now renamed the Western Hemisphere Institute for Security Cooperation. Protesters have gathered annually over the past 20 years to demonstrate against the U.S. military training facility since School of the Americas graduates from El Salvador were implicated in the 1989 murders of six Jesuit priests. Three of the murdered Jesuits were prolific writers and they were later counted among CPJ's list of journalists killed in 1989.


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In this guest post, Yijun Yu, Senior Lecturer, Department of Computing and Communications, The Open University examines the world's top websites and their routine tracking of a user's every keystroke, mouse movement and input into a web form – even if it's later deleted.
Hundreds of the world's top websites routinely track a user's every keystroke, mouse movement and input into a web form – even before it's submitted or later abandoned, according to the results of a study from researchers at Princeton University.
And there's a nasty side-effect: personal identifiable data, such as medical information, passwords and credit card details, could be revealed when users surf the web – without them knowing that companies are monitoring their browsing behaviour. It's a situation that should alarm anyone who cares about their privacy.
The Princeton researchers found it was difficult to redact personally identifiable information from browsing behaviour records – even, in some instances, when users have switched on privacy settings such as Do Not Track.
The research found that third party tracking services are used by hundreds of businesses to monitor how users navigate their websites. This is proving to be increasingly challenging as more and more companies beef-up security and shift their sites over to encrypted HTTPS pages.
To work around this, session-replay scripts are deployed to monitor user interface behaviour on websites as a sequence of time-stamped events, such as keyboard and mouse movements. Each of these events record additional parameters – indicating the keystrokes (for keyboard events) and screen coordinates (for mouse movement events) – at the time of interaction. When associated with the content of a website and web address, this recorded sequence of events can be exactly replayed by another browser that triggers the functions defined by the website.
What this means is that a third person is able to see, for example, a user entering a password into an online form – which is a clear privacy breach. Websites that employ third party analytics firms to record and replay such behaviour is, they argue, in the name of "enhancing user experience". The more they know what their users are after, the easier it is to provide them with targeted information.
While it's not news that companies are monitoring our behaviour as we surf the web, the fact that scripts are quietly being deployed to record individual browser sessions in this way has concerned the study's co-author, Steven Englehardt, who is a PhD candidate at Princeton.
"Collection of page content by third-party replay scripts may cause sensitive information, such as medical conditions, credit card details, and other personal information displayed on a page, to leak to the third-party as part of the recording," he wrote. "This may expose users to identity theft, online scams and other unwanted behaviour. The same is true for the collection of user inputs during checkout and registration processes."
Websites logging keystrokes has been an issue known for a while to cybersecurity experts. And Princeton's empirical study raises valid concerns about users having little or no control over their surfing behaviour being recorded in this way.
So it's important to help users control how their information is shared online. But there are increasing signs of usability trumping security measures that are designed to keep our data safe online.
Usability vs security
Password managers are used by millions of people to help them easily keep a record of different passwords for different sites. The user of such a service only needs to memorise one key password.
Recently, a group of researchers at the University of Derby and the Open University discovered that the offline clients of password manager services were at risk of exposing the main key password when stored as plain text in memory that could be sniffed or dumped by whole system attacks.
User experience is not an excuse for tolerating security flaws.
This article was originally published on The Conversation. Read the original article.


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Nitrogen purging: When brazing copper, it is imperative to purge with nitrogen in order to minimize or eliminate oxidation that results from heating the copper pipe. Without purging, oxidation will occur and the oxidized flakes that result can and will break off and flow through the system, damaging bearings and fouling system filters. All that is needed is a low pressure, low volume flow of nitrogen. The use of dry nitrogen gas also minimizes the need to evacuate moisture from the system.
- Connection Size: 1/4"
- Connection Type: Flare


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Your house represents many of your most valuable possessions and memories, making it one of the most significant financial investments you'll ever make. What if something bad happens in your home? Protecting your home should be one of your top priorities, including having home insurance to cover the cost of repairs or rebuilding.
Most homeowners indeed have home insurance, but it's also true that most people don't know what they have, why they have it, or what they need to buy to be fully covered against disasters and accidents. To help, you need to know about home insurance before you buy it so that you know what you're paying for and whether or not you truly need the policy.
At William G Mechling Insurance Agency, we are here to educate you on the best home insurance policy. We also help you get the best coverage from a reliable insurance company.
It is important to understand home insurance coverage before engaging yourself.
Homeowners insurance refers to a type of insurance that protects your home from damage or loss. It does cover the building itself and also the personal belongings and property inside it.
The policy will typically cover losses due to theft, vandalism, fire, and natural disasters such as windstorms, hail, and flooding. However, the coverage will depend on the insurance coverage policy and provider.
Homeowners' insurance should provide coverage for both physical damage and liability. Some policies also provide coverage for living expenses when your home is uninhabitable due to a covered peril, such as fire or storm damage.
If you are renting your house, then most likely renters insurance is more suitable for protecting your contents.
The cost of homeowner's insurance depends on factors like where you live and how much coverage you want. In general, premiums are higher in urban areas with high crime rates and low ratings in rural areas.
If you're looking to purchase home insurance in order to protect your assets, you may have heard this question before.
After all, knowing what your coverage does and does not cover can be difficult if you don't know where to start looking! We'll look at the basics of home insurance so that you can make an informed decision about how much coverage you need.
a standard homeowners insurance policy should have these coverage types:
When it comes to home insurance coverage, there is a lot that can be said. However, the most common and often overlooked type of coverage is dwelling coverage.
In order to fully understand what this type of coverage entails, you need to know how much dwelling coverage is and how it differs from other types of coverage. Dwelling coverage protects your house or apartment against things like fire damage, theft, vandalism, and some natural disasters.
It does not cover any personal belongings that may be inside the property at the time of the incident. That is because it only covers the structure and only reflects the cost you need to rebuild the house.
However, the cost does not depend on the current market value of the house in the real estate listing but is based on the construction and labor costs of your area.
There are also related coverage for other home structures you may have such as unattached garage or fence.
Your insurance policy will cover your personal property when it's inside your home. This includes everything from clothes to electronics and furniture.
In the event of a disaster like a fire or a flood, your coverage will cover the repair or replacement costs for these items - up to the limits you purchased on your policy. You'll need to keep receipts and take pictures to help make a claim if necessary.
You can also get additional coverage for certain items that might be particularly expensive like jewelry and art.
Depending on the insurance company, the coverage amount should range between 50% to 70% of your dwelling coverage.
Suppose your dwelling insurance amount is $500,000, while your personal content coverage is at 50%. The insurance company will pay $250,000 to cover your personal property. You can choose to buy more coverage for your personal property.
In some cases, property owners are required to purchase liability coverage for their real estate holdings.
Liability coverage can be purchased as part of a homeowners policy or as a separate policy. If you have a mortgage on your home, it is likely that the lender requires you to have this type of insurance in place before granting the loan.
Liability coverage protects the owner and guests from personal injury and property damage claims made against them by third parties if an accident occurs on their property. The insurance company will pay any legal settlements awarded against the insured in these types of lawsuits up to the limit of the policy's face value.
Suppose your liability insurance is inadequate. In such scenarios, you're on the hook to pay the amount needed over your insurance coverage.
At William G Mechling Insurance Agency we recommend our customers always buy enough liability insurance.
Some homeowners insurance policies include coverage for additional living expenses in the event that you need to temporarily relocate from your home because of a covered peril.
This is often referred to as loss of use coverage and can cover things like a hotel stay, restaurant meals, and other necessities.
It's important to note that this isn't intended to replace lost income or provide reimbursement for other financial losses due to damage caused by an insured peril.
However, the amount should be a percentage of the dwelling coverage amount. Some insurance companies allow you to buy more, once you think that amount isn't enough.
There is a home insurance cover set to match your living situation. If you need to find a suitable cover, whether it is your property or rent, get in touch with us at William G Mechling Insurance Agency
Standard homeowners insurance policies are grouped in various ranges HO-1 to HO-8. These classifications provide specific levels of protection depending on the type of residence and homeowner's requirements.
We can help choose one of these major homeowners' coverages below. However, we also encourage you to know what's included in your policy before you buy it.
In general, if you're insured for actual cash value, the company will pay for the repair or replacement of the items lost based on the price the item had at the time it was damaged and its depreciation.
This will arrive at the current price the item is worth, instead of what you paid to buy it.
Replacement cost coverage means that any items damaged will be replaced with items like new ones at their current market value.
If you need homeowner's insurance with this feature, make sure you have enough coverage. A lot of people mistakenly think they have enough coverage when they don't because they either didn't read the contract carefully or thought that full replacement automatically meant full coverage.
While full replacement is not a synonym for full coverage, the two terms can be synonymous under some circumstances depending on how much coverage you purchased when buying your policy. And that is where William G Mechling Insurance Agency comes in to help you understand the difference.
Guaranteed/Extended Replacement Cost/Value is different from both Actual Cash Value and Replacement Cost because it pays for 100% of repairs up to your limit even if the market value goes up during repairs!
The coverage is comprehensive since it considers inflation when paying for home rebuilding or repairing, It would also provide compensation after it exceeds the policy limit.
Other insurance companies will provide extended replacement which is a higher coverage than the one you purchased. Where the ceiling is about 20% to 25% more.
Most homeowners prefer this kind of insurance coverage because it provides a cover that helps you rebuild your property at its current value.
Some types of problems are excluded from standard home insurance coverage. These may include:
Power failure
Ordinance of law. For example, when a government requires you to demolish, repair or rebuild a house to meet the local ordinances
Water damage, such as floods and water backup resulting from sewers and drains. A separate flood insurance policy can be purchased through the National Flood Insurance program or through our agency.
Earth movements, such as earthquakes, landslides, or sinkholes. Earthquake insurance can be added on to your home insurance policy by endorsement.
Neglect, including failure to maintain heat
Government action, including seizure of property
Nuclear hazard
Intentional loss
Wear and tear
Smoke from agricultural and industrial operations
Vermin, rodents, birds, and insects
Smog, dry rot, rust, and other corrosion
Damage caused by your animal
Discharge, migration, escape, seepage, or release of pollutants
Shrinking, expansion, settling, or bulging of bulkheads, footings, pavement, foundations, patios, roofs, walls, ceilings, and floors
Mechanical breakdown
Home insurance may seem like an unnecessary expense, especially if you've never had to use it before.
Still, without home insurance, your coverage options are limited in the event of emergencies like fire, theft, or vandalism.
Here are some of the reasons why you might be surprised to learn that you really do need home insurance.
For most homeowners, the main structure of their home is the most important thing to protect. This includes anything that goes into making up your house's foundation, walls, and roof.
If any of these are damaged, you may need to hire a contractor to make repairs. In addition to paying for these repairs, you will also have to cover the cost of living in a hotel or staying with family while your house is being repaired.
So even if you don't have expensive items inside your home, it's still worthwhile to invest in homeowner's insurance. One good example would be renting out your property - many landlords require tenants to sign an agreement stating they're responsible for insuring their own possessions.
Some homeowners' policies may not include coverage on detached structures like garages and sheds; this means they could become total losses following natural disasters like floods, earthquakes, tornadoes, and hail storms.
However, we recommend insuring 100% of your property value. The insurance cover should cater to major damages, minor damages, and total replacement costs.
A typical homeowners insurance policy protects your belongings in the event of a fire or other disaster. Depending on the home insurance you choose, it should cover the cost of replacing your belongings. These include electronics, furniture, and more.
It can help pay for the cost of temporary housing, if necessary, and for moving costs too. Some policies also cover living expenses (like food) for up to certain weeks if you're evacuated from your home due to a natural disaster.
A key factor that affects the amount you will be paid out by an insurer for damages caused by a disaster is called the deductible. A high deductible means lower premiums, but it will also mean that the insured person will need to pay more before they are compensated.
If you have pets, it's important to check with your insurer because not all companies offer coverage for pet damage.
Your Homeowners insurance policy can also cover detached structures on the property. This type of coverage typically includes, but is not limited to: damage to or loss of the home due to fire, lightning, windstorm, or hail; damage caused by vandalism or malicious mischief; and damage from falling trees.
These structures include a fence, garage, shed, deck, and others.
You never know when Mother Nature is going to decide to unleash her fury on your home. Tornadoes, hurricanes, fires, and earthquakes are just some of the natural disasters that can strike without warning.
And once one disaster has struck, it is only a matter of time before another one occurs. But these natural disasters are not the only thing you need to worry about when it comes to protecting your home from disaster.
The kitchen sink could be backed up or even broken altogether, which could lead to water damage in the home. Appliances like dishwashers and washing machines could malfunction, leading to more water damage as well as fire hazards.
If your heating system malfunctions or if there's an electrical issue with your wiring, this too could lead to water damage as well as fire hazards. So, insurance coverage could help protect your property from natural disasters.
Home insurance is an inexpensive way to protect your home and everything that you own. In a worst-case scenario, your house could be damaged in a fire, flood, or natural disaster.
Without homeowner's insurance, you would have to pay out of pocket to repair the damage or rebuild your home - which can cost hundreds of thousands of dollars.
Not only that but if you have homeowner's insurance and something happens to your property, the costs for damages could be covered by your homeowner's insurance.
Most people think of home insurance as a way to protect their assets and loved ones in the event of a disaster, but home insurance is much more than that.
Peace-of-Mind is one thing that home insurance does for you. It provides peace of mind knowing that you have protection from any unforeseen circumstance. It also covers any damages which may be caused to your property by others or even acts of nature.
With this homeowners insurance company coverage, you don't have to worry about how you will pay for repairs after an earthquake or need to face the aftermath on your own if someone breaks into your house while it's vacant.
If you're like most people, your home is your biggest investment. It's also likely the largest liability you'll ever have to manage. That's why it's so important to protect it with a policy that meets your needs and protects you from unexpected life events.
A good place to start is by checking with your lender about any requirements they may have for homeowners insurance. For example, many lenders will require you to purchase coverage if you have a mortgage on the property that exceeds 80% of the value of the house or if there are any loans secured by the property that total more than 50%.
You'll need to show proof of homeowners insurance when you apply for a mortgage. It's also important to know that your homeowners' insurance covers any damages from an earthquake, hurricane, or other natural disasters.
An insurance cover will protect you financially in case of a fire, theft, or other unforeseen events. They ensure your investment is protected if anything happens to your home.
When you're shopping for a home insurance policy, it's important to understand what the policy does and doesn't cover. Here are some things to consider when looking for a home insurance policy that suits your needs.
Talk to an agent who will be able to help you figure out which coverage is best for you and your family. Call us to get your homeowners insurance quote.
Find out what is and isn't covered by your homeowners' insurance before getting a quote or signing up with a company.
You may have special coverage requirements, depending on the type of property you have or live in and where you live. For example, if you live in a flood zone or are near certain natural disaster areas like wildfire zones and earthquake fault lines, these factors can determine what kind of coverage you need.
If you have items such as jewelry, silverware, guns, etc. you might consider a floater which covers those items specifically under an endorsement known as a floater.
Still, want to know more about home insurance companies and their coverage? At William G Mechling Insurance Agency in Indiana PA, we come across many questions related to home insurance. We have tried our best to discuss some of the commonly asked questions below. In the event of a homeowners insurance claim please call our office immediately.
Homeowners insurance is a policy that protects your home and possessions against events such as fire, theft, or natural disasters. There are three types of homeowners insurance available: Actual Cash Value, Replacement Cost, and Guaranteed/Extended Replacement Cost/Value. Make sure you know what's included in your policy before you buy it.
One of the biggest expenses in homeowners insurance is the deductible. As a homeowner, you want to make sure that your deductible isn't too high. The 80% rule says that your total home insurance cost should be no more than 80% of what it would cost if you replaced everything in your home with brand-new items.
Homeowners insurance is designed to help protect you from financial devastation in the event of a catastrophe. To do this, homeowners insurance typically covers four things: your dwelling, personal property, liability, and additional living expenses. Although it's wise to compare companies it is not always best to go with the cheapest homeowners insurance companies.
Property damage includes losses like fire or storm damage to your home or other structures on your property. Liability coverage protects you from being liable for any damages you may cause to someone else's property, injury or death. Personal property coverage reimburses you if a burglary or other calamity destroys your belongings. Additional living expenses cover temporary housing and other relocation costs if your home becomes uninhabitable due to a covered disaster.
There are many reasons to choose William G Mechling Insurance Agency in Indiana PA for your homeowners insurance coverage. So you can rest easy knowing that if disaster strikes, you'll have a local agency that can walk you through the claims process. We also get you a variety of policy options so you can pick one that best fits your needs, and our customer service team is always available to answer any questions or concerns you may have. Get in touch today! .


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Welcome to TBU DSpace - a digital library of Tomas Bata University in Zlin. Following types of documents are available here in electronic form:
Other faculties are also welcome to send us monographs or textbooks in electronic form in order to make them accessible for students. For details, please contact Lukáš Budínský.
The digital library contains documents in different access modes. Majority of them is publicly accessible. Some are accessible only for TBU users (login is required). The works restricted for TBU network users are available on request for in-house use on the Library premises. Sending the documents by email or any other form of remote access is not allowed. A part of the historic theses and dissertations can be completely inaccessible. These documents are present purely for archiving and theit full texts are not accessible neither to the public, nor to TBU users.
For students and alumni: Presently, all theses and dissertations must be published (in accordance with Article 47b of the Higher Education Act no. 111/1998). Only in exceptional cases it's possible to restrict access to the full text if directly requested by the dean of the faculty.
The repository of TBU publications is at http://publikace.k.utb.cz


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Oh, I won't judge because I too am a fan of the smut (See also: In Praise of Smut, if you don't believe me.). I think a little smutty reading puts you in a more sexual/sensual frame of mind which makes life a hell of a lot better.
Thus, as part of my unceasing efforts to make life a hell of a lot better for you, gentle reader, this week's prize is Playing With Fire, a book of sexy stories from cool, SF-based sex shop, Good Vibrations. I haven't actually read it, but here's the blurb, complete with its embarrassingly excessive scorching! fire! heat! imagery.
This scorching collection of torrid tales will leave you burning with desire. Incendiary short stories tackle taboos and set boundaries ablaze, allowing couples to act out their most fiery fantasies. Alyson Tyler gets burned in "Some Like It Hot," while Thomas Roche's "Hot Off the Presses" follows a reporter infected with rock 'n' roll fever. Playing With Fire will ignite your imagination, fuel your fervor, and inspire you to have some smokin' hot sex!To enter, list your favorite sexy book in the comments below. I'll choose a winner by random drawing on Tuesday. And if you don't feel like waiting around 'til damn Tuesday to left "burning with desire," you are more than welcome to order the book yourself.**
* For more on my love/hate relationship with the IBWMW Facebook page, plus some truly awesome (deliberately) bad smut written by the lovely Katsidhe see The Language of Seduction, Plus Guest Smut from Tapetum Lucidum.)
**Disclaimer: a portion of your Good Vibes purchases made through this blog goes to my
P.S. A few people have told me that the comments are acting weird. You can also enter by emailing me.


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Fifa 18 Free Download FULL PC GAME
Powered by Frostbite, FIFA 18 blurs the line between the virtual and real worlds, bringing to life the players, teams and atmospheres of The World's Game. Move with Real Player Motion Technology – an all-new animation system that creates a new level of responsiveness and player personality – to unlock dramatic moments in the world's most immersive atmospheres. Then go on a global journey as Alex Hunter along with a star-studded cast of characters, including Cristiano Ronaldo and other European football stars.
Key Features:
Real Player Motion Technology. The all-new, game-changing animation system utilizes pose trajectory matching on every frame to deliver the franchise's most responsive and fluid gameplay ever. New motion capture techniques and frame by frame animation transitions ensure gameplay accurately represents the reality of football.
Player personality. For the first time ever, real-world movements, size and attributes inform how a player moves, allowing you to feel the life-like tendencies of the world's best. Ronaldo's signature sprint, Sterling's unique turns, and Robben's distinct arm movement are all immediately recognizable in FIFA 18.
Dribbling overhaul. In FIFA 18, you'll run at defenders with confidence knowing that the best players can change direction on a dime. New dribbling mechanics enable players to inject more creativity into 1v1 situations. Take more defined touches, make tighter turns, and explode into attack more dynamically than ever before.
The Journey: Hunter Returns. After a breathtaking first season in the Premier League, Hunter is gaining recognition from top clubs the world over. Make the decisions that will dictate his career and relationships with characters both on and off the pitch. And now you can personalize your Alex Hunter by selecting his hair, tattoos, clothing and even his dominant foot to suit your playing style.
FIFA Ultimate Team™. Build your very own Ultimate Team Squad from thousands of players in the most popular mode in FIFA. The best of the best are coming to FIFA 18 with FUT ICONS. Play with the most iconic legends of football including Ronaldo Nazário, Maradona and Pelé. Discover new daily Objectives, compete for weekly rewards in Squad Battles, and watch the world's best on the Champions Channel!
Trailer :
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Game Download :
Filename : Fifa 18 Setup
File Extention : .exe
Platform : PC
Disc Space Required : 50 GB
Game Minimum Requirements :
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All Rights Reserved: This image belongs to the photographer (Nicholas Frazier). If you wish to use it for any purpose, you'll need to obtain written permission from the photographer.
A reflection of the memorial union at night.
Submitted by: Nicholas Frazier, Junior in Advertising and Speech Communication with Business minor on December 28, 2013
Tags: Lake LaVerne, Memorial Union
0 likes 526 views


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Yemen to receive $144m loan from Arab Monetary Fund in 2013
The Arab Monetary Fund (AMF) will provide a $144 million loan to Yemen this year to help its financial reform program, the fund said on Monday.
Pro-democracy protests in 2011 brought Yemen, a U.S. ally and neighbor of top oil exporter Saudi Arabia, to the brink of civil war and dealt a blow to its already dismal economy.
Recovery has been weak as political turmoil continues and attacks on oil installations deprive the government of vital budget revenues.
The AMF loan will support a set of reforms begun in 2012 that aim to stabilize the Yemeni economy, improve living standards and restructure government departments and their services, the fund said in a statement.
The first, $96m-tranche of the loan was signed on Sunday and a second tranche will be provided later.
The latest loan brings the total AMF support to Yemen to $1.1 billion in the past two years, the fund said.
A third of Yemen's population live on less than $2 a day, inflation runs at 14 percent and about 35 percent of people are unemployed.
Sanaa is also struggling with an Islamist insurgency linked to al Qaeda, a separatist movement in the south, and with Shi'ite Houthis who want more say in politics.
Last year wealthy Gulf Arab states, Western governments and other donors pledged $7.9bn in aid over several years to Yemen but only a small fraction of the money has so far arrived.
The International Monetary Fund hopes to agree a new longer term loan for Yemen by the end of 2013 and mobilize aid from international donors.
Yemen's main oil pipeline attacked, flow of crude halted
Tribesmen blew up Yemen's main oil export pipeline on Friday, halting the ...
Yemen begins new national talks as Hadi hails progress
Yemen began the second round of its national dialogue in Sanaa on Saturday, as ...
IMF hopes to agree loan for Yemen, mobilize donor aid
The International Monetary Fund hopes to agree a new longer term loan for ...
Banking & Finance


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Im very pleased to introduce a great guest team of contributors to the Sonicsalute SFX library site, and their new massive Wood Impacts SFX library.
Human body impacts has always been sonically close to fibrous plants.
Everyone knows that leeks, celery or carrots are often used in foleys to do flesh and bones movements or impacts.
But how to reproduce real low impacts with that kind of fibrous release?
Fred Devanlay and Cedric Denooz had the idea to use soaked and moldy logs to record this sound library for you, and provide low and organic impacts.
Wood fibers explosions, hit by metal tools, give us trashy and detailed raw sounds which can help anyone who wants rich material and textures for impacts in sound design.
Door explosions, medieval knights fights, SWAT assaults, or horror sounds, or just wood lumbering can be emphasized with this sound library.
1651 sounds, simultaneously recorded in mono and stereo, at 96 kHz and 24bits are provided here with detailed metadata, more than 2Gb of sounds.
[purchase_link id="1761″ text="Purchase" style="button" color="gray"]
Video of the recording process:
Organized in 10 different folders (Hits, Movements, Digs, Cracks,Mangles,…) identified by their recording setups, you'll find a wide inventory of textures, which will be useful to assault your next Minas Tirith Citadel!
Recording setup:
Broadcast wave, 96 kHz, 24bits files
AB ORTF Stereo couple recording- Rode NT55P microphones
Hypercardioid simultaneous recording with Rode NTG3 for precise impacts
Tascam and Fostex recorders
EAA Pre amps mixer
Stereo Mixdowns of the two microphones setups are also proposed.
Frédéric Devanlay – CEO-Sound designer
BIG WHEELS Studio


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Physicists discover new way to produce antimatter-containing atom
- Date:
- July 11, 2011
- Source:
- University of California - Riverside
- Summary:
- Physicists report that they have discovered a new way to create positronium, an exotic and short-lived atom that could help answer what happened to antimatter in the universe, why nature favored matter over antimatter at the universe's creation. The method works at almost any temperature -- including very low temperatures.
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Physicists at the University of California, Riverside report that they have discovered a new way to create positronium, an exotic and short-lived atom that could help answer what happened to antimatter in the universe, why nature favored matter over antimatter at the universe's creation.
Positronium is made up of an electron and its antimatter twin, the positron. It has applications in developing more accurate Positron Emission Tomography or PET scans and in fundamental physics research.
Recently, antimatter made headlines when scientists at CERN, the European Organisation for Nuclear Research, trapped antihydrogen atoms for more than 15 minutes. Until then, the presence of antiatoms was recorded for only fractions of a second.
In the lab at UC Riverside, the physicists first irradiated samples of silicon with laser light. Next they implanted positrons on the surface of the silicon. They found that the laser light frees up silicon electrons that then bind with the positrons to make positronium.
"With this method, a substantial amount of positronium can be produced in a wide temperature range and in a very controllable way," said David Cassidy, an assistant project scientist in the Department of Physics and Astronomy, who performed the research along with colleagues. "Other methods of producing positronium from surfaces require heating the samples to very high temperatures. Our method, on the other hand, works at almost any temperature -- including very low temperatures."
Cassidy explained that when positrons are implanted into materials, they can sometimes get stuck on the surface, where they will quickly find electrons and annihilate.
"In this work, we show that irradiating the surface with a laser just before the positrons arrive produces electrons that, ironically, help the positrons to leave the surface and avoid annihilation," said Allen Mills, a professor of physics and astronomy, in whose lab Cassidy works. "They do this by forming positronium, which is spontaneously emitted from the surface. The free positronium lives more than 200 times longer than the surface positrons, so it is easy to detect."
Study results appear in the July 15 issue of Physical Review Letters.
The researchers chose silicon in their experiments because it has wide application in electronics, is robust, cheap and works efficiently.
"Indeed, at very low temperatures, silicon may be the best thing there is for producing positronium, at least in short bursts," Cassidy said.
The researchers' eventual goal is to perform precision measurements on positronium in order to better understand antimatter and its properties, as well as how it might be isolated for longer periods of time.
Cassidy and Mills were joined in the research by Harry Tom, a professor and the chair of physics and astronomy, and Tomu H. Hisakado, a graduate student in Mills's lab.
In the near future, this research team hopes to cool the positronium down to lower energy emission levels for other experimental uses, and create also a "Bose-Einstein condensate" for positronium -- a collection of positronium atoms that are in the same quantum state.
"The creation of a Bose-Einstein condensate of positronium would really push the boundaries of what is possible in terms of real precision measurements," Cassidy said. "Such measurements would shed more light on the properties of antimatter and may help us probe further into why there is asymmetry between matter and antimatter in the universe."
Grants from the National Science Foundation and the US Air Force Research Laboratory funded the study.
Story Source:
Materials provided by University of California - Riverside. Note: Content may be edited for style and length.
Journal Reference:
- D. B. Cassidy, T. H. Hisakado, H. W. K. Tom, and A. P. Mills Jr. Photoemission of positronium from Si. Physical Review Letters, 2011; (in press)
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Deryk Reddington caught this nice Brownie from Loch Earn while fishing the Worm on his trusty Daiwa rod!
You can vote for this picture to win on Facebook by selecting it in our May 2016 FOTM gallery HERE and hitting the 'Like' button! Don't forget to share all your favourite entries to help them win too!
If you would like to enter our Fishingmegastore Fish of the Month Competition and have the chance to win £100 to spend at GAC, simply send us a photograph of you and your catch, when and where you caught your fish, and what tackle and method you used. You can also enter instore - just ask any member of staff for assistance. The best entries will be featured on both our Blog and Facebook page!


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The railroad's got to run through the town of Rock Ridge. How do you drive out the townfolk in order to steal their land? Send in the toughest gang you've got... and name a new sheriff who'll last about 24 hours. But that's not really the plot of Blazing Saddles, just the pretext. Once Mel Brooks' lunatic film many call his best gets started, logic is lost in a blizzard of gags, jokes, quips, puns, howlers, growlers and outrageous assaults upon good taste or any taste at all. Cleavon Little as the new lawman, Gene Wilder as the wacko Waco Kid, Brooks himself as a dim-witted politico and Madeline Kahn in her Marlene Dietrich send-up that earned an Academy Award nomination all give this sagebrush saga their lunatic best. And when Blazing Saddles can't contain itself at the finale, it just proves the Old West will never be the same!back to top