text:
If your business relies on commercial trucks, consider trucking insurance.
Bigger risks require broader coverage.
Compared with ordinary commercial auto insurance, commercial trucking insurance needs to cover not just bigger risks, but a wider range of risks. The potential costs of damage to property and medical bills are higher simply because a truck can have a bigger impact in a collision. Meanwhile, you'll also want to have coverage for the potential loss of or damage to the cargo your trucking business transports.
The type of trucking insurance you need can vary based on a number of factors. Private carriers who are hauling goods in their own truck or for an employer will need insurance designed for private trucking. Owner-operators will have different needs depending on whether they are operating under their own authority or under permanent lease to a motor carrier.
Having the right insurance for the situation is essential. For example, an owner-operator under permanent lease to a motor carrier may have their primary liability insurance provided by the motor carrier. However, there are other coverages they'll want to consider. Additionally, the type of truck, driver experience, and goods hauled can all affect coverage needs as well.
Tow trucks carry a unique risk involving the property of someone else. The tow truck could be involved in an accident and the vehicle it is towing could become damaged. Also, it's not unusual for a towed vehicle to be stored overnight at the garage of the towing company. In either scenario, special insurance is needed to cover the towed vehicle.
On-hook insurance provides protection in the case of damages to a vehicle while it is being towed. Garagekeepers insurance would cover losses sustained when a vehicle is being temporarily stored at the towing company's location.
Sometimes a truck is driven without a trailer attached. This could include when the driver is on their way to pick up a load, has just dropped off a load, or is in between loads. When a truck is driven this way under someone else's trucking authority, a coverage gap can exist if the truck is involved in an accident and found liable for bodily injury or damage to property.
Bobtail insurance is a liability policy that provides coverage for legal fees, damages awarded, and medical expenses for times when a truck is driven under someone else's trucking authority and there is no trailer attached.
Trucks that are under permanent lease to a motor carrier are typically covered under their liability coverage, which offers protection when the truck is used for business purposes. But what happens if the truck is involved in an accident and is liable for damages caused while being driven for non-business purposes?
Non-trucking liability insurance offers protection when a truck is driven for personal reasons, for example while running personal errands on a day off. It covers medical expenses, property damage, and legal fees related to the driver.
There are times a trailer needs to be handed off from one trucker to another to finish the shipment. The contract that arranges this transfer is known as a trailer interchange agreement. The parties to this agreement would need trailer interchange insurance.
If a trailer is damaged, the trucker currently in possession of it would be responsible for them. Trailer interchange insurance offers protection for these damages for the period of time the policyholder is in possession of the trailer.
A truck that's been damaged in an accident will need to be taken off the road for repairs. When the truck can't be used, the business will lose money.
Rental reimbursement with downtime may cover the cost of truck payments and other bills while the truck is inoperable due to a covered loss. It may also provide reimbursement for a temporary replacement truck.
Owner-operators under their own authority and motor carriers can find themselves responsible for their mistakes. A customer injury, a delivery mistake or damage to goods, or damage to property caused by their truck or the actions of a driver can all be very costly.
Motor truck general liability insurance may provide coverage for bodily injury and property damage, personal or advertising injury, and other damages caused by the company's own negligence.
For-hire truckers are often hauling something for someone. For the time that the freight or goods are in the possession of the trucker, the trucker is responsible for any damage to the goods. Whether the goods are damaged in a collision, are spilled off the truck, or damaged during loading and unloading, the expenses associated with this damage can add up fast.
Motor truck cargo insurance, sometimes simply referred to as cargo insurance, may cover the cost of the damaged cargo, removal expenses if the cargo is spilled, lost cargo, legal fees, and freight charges if the cargo is not delivered.
If a truck is damaged in an accident and another driver is not held liable for these damages, the truck's owner would be responsible for the repairs. The truck's owner would also be responsible for damages caused in other ways, such as if something falls on it, it is vandalized, it catches fire, or it is stolen.
Physical damage insurance covers the cost of repairs to your own vehicle if it's damaged by you or it is damaged by some other factor that you cannot be held responsible for. For vehicles that are owned outright, this coverage may be optional. However, if the truck is being leased or financed, this coverage may be required by the bank.
Insurance that's unique to your trucking operations.
The principles behind commercial trucking insurance policies are simple enough, but be prepared to answer a lot of questions about the type of people you have operating the trucks, the type of cargo they carry, and the expected mileage during the year. Your coverage needs could also change depending on whether you cross borders into other jurisdictions.
What types of trucks can be covered?
Commercial trucks such as tow trucks, tractor-trailers, garbage trucks, box trucks, flatbed trucks, and tank trucks should have specialized coverage.
What is covered by trucking insurance?
The coverage in your policy may vary, but a typical trucking insurance policy may include coverage for liability, physical damage, cargo, and uninsured/underinsured motorist liability.
Does your coverage meet and exceed the standards?
There are a variety of factors that impact your coverage needs, as well as benefits from having different types of coverage options for your business. For example, discounts may be available based on factors such as your staff holding commercial driver's licenses, or if your business is well-established. You might also want to check and see if your policy provides for government filings, which may be necessary to verify your coverage meets specified standards.
Are you interested in trucking insurance? Contact us to go over the needs of your trucking business and the coverage options available to you.
Let's Get Started
Trucking Insurance Quote Request
Don't like forms? Contact us at 303-577-9998 or email us.


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text:
Testimony of Deirdre Mulligan
Staff Counsel, Center for Democracy and Technology
to the
House Committee on the Judiciary
Subcommittee on Courts and Intellectual Property
March 26, 1998
I. Introduction And Summary |
The Center for Democracy and Technology (CDT) is pleased to have this opportunity to testify on the issue of privacy protection in the online environment.
CDT is a non-profit, public interest organization dedicated to developing and implementing public policies to protect and advance civil liberties and democratic values on the Internet. One of our core goals is to enhance privacy protections for individuals in the development and use of new communications technologies.
To focus my testimony this morning, I will begin by outlining five trends in technology with ramifications for the existing framework of privacy protections in electronic communications. The current mix of legal and self-regulatory protections for privacy has not kept pace with technology and its growing role in society. The core of my testimony is a series of policy recommendations:
- identifying areas in which Congress should enhance existing privacy protections;
- recommending the creation of an institutional structure for addressing privacy concerns in a proactive and ongoing manner; and,
- urging the US government (and others) to engage in several non-traditional methods of developing and implementing privacy policy that are of particular relevance to the global, decentralized networks that comprise our communications infrastructure.
It is critically important to ensure that privacy protections keep pace with changes in technology. This requires a periodic assessment of whether changes in technology pose new threats to privacy that must be addressed through changes in law. Many of our existing laws were constructed to meet dual purposes, such as protecting privacy and meeting legitimate law enforcement needs, or protecting privacy and promoting the cost-effective operation of the health care system. We must examine whether they continue to set the bounds of permissible government and private sector action in a fashion consistent with privacy protection. In addition, we should evaluate whether technology itself can be used to advance privacy in this new environment. Finally, the globalization of the communications system requires us to consider alternative methods for achieving policy goals, be they self-regulation or international agreements.
II. Technology Trends with Ramifications for Individual Privacy in Electronic Communications |
B. The transactional data generated through the use of new technologies is a rich source of information about individuals' habits of association, speech, and commercial activities. This vast new data is essential to the operation of the packet-switching medium and provides the raw material for many of the unique functions the Internet offers, yet it poses significant privacy concerns. Interactive media generate, capture and store a tremendous amount of information. At the same time the flexibility of new media is blurring the distinction between the content of a communication and the transactional data used to route the message to its destination. Transactional data in this new media is more detailed, descriptive, and identifying than ever before. Aggregated, it is capable of revealing as much about the individual as the content of a message.
C. The globalization of communications technology is eroding national borders. Governments are finding it increasingly difficult to enforce laws — be they laws to protect or repress their citizens. The fluidity of borders on the Internet promises to promote pluralism, the free flow of information and ideas, diverse associations, and, we hope, democracy. On the other hand, enforceable, workable privacy protections for the global information infrastructure have yet to emerge leaving individuals' communications and personal data vulnerable.
D. The lack of centralized control mechanisms. The distributed nature of the Internet's infrastructure distinguishes it, at least in degree, from existing communications systems. Its decentralized nature allows it to cope with problems and failures in any given computer network by simply routing information along alternate paths. This makes the Internet quite robust. However, the lack of centralized control mechanisms may frustrate those seeking to regulate activities on the network. Decentralized systems are inherently less secure. They pose new challenges to protecting data during storage and transmission.
E. Decrease in computing costs and the focus on client-side controls over network interactions present new opportunities to empower individuals. The Internet continues to shift control over interactions away from the government and large private sector companies. The ability to build privacy protections into the users interface with the network offers the opportunity to craft privacy protections that shield individuals regardless of the jurisdictional law and policy. Providing individuals with technical means to control and secure their communications and personal information may pave the way for privacy protections that are as decentralized and ubiquitous as the networks themselves.
- A. The explosive growth of the Internet is transforming our methods of communicating and methods of gathering, processing and sharing information and knowledge. In 1986, when Congress updated the communications privacy laws, the Internet was comprised of approximately 50,000 computers. Today the Internet is comprised of upwards of 20 million Internet host computers globally and estimates on individual users hover around 100 million people worldwide. Unlike traditional media, the Internet supports interactions ranging from banking to dating, from one to one communications, town hall meetings, political events, to commercial transactions.
III. Policies from the Pre-network World |
Current policies protecting individual privacy in electronic communications are built upon Fourth Amendment principles designed to protect citizens from government intrusion. While premised on Fourth Amendment concepts, the contours of existing statutory protections are also a product of the technical and social "givens" of specific moments in history. Some of these historical givens have changed dramatically, with implications for the effectiveness and relevance of existing statutory protections for privacy.
Crafting proper privacy protections in the electronic realm has always been a complex endeavor. It requires a keen awareness of not only changes in technology, but also changes in how the technology is used by citizens, and how those changes are pushing at the edges of existing laws. From time to time these changes require us to reexamine our fabric of privacy protections. The issues raised below indicate that it is time for such a review.
In response to Supreme Court decisions finding that electronic surveillance was a search and seizure covered by the 4th Amendment and law enforcement's arguments that it was a needed weapon against organized crime, Congress passed Title III of the Omnibus Crime Control and Safe Streets Act of 1968. The wiretap provisions of Title III authorized law enforcement wiretapping of telephones within a framework designed to protect privacy and compensate for the uniquely intrusive aspects of electronic surveillance.
In brief, the legislation Congress enacted in 1968 had the following components: the content of wire communications could be seized by the government in criminal cases pursuant to a court order issued upon a finding of probable cause; wiretapping would be otherwise outlawed; wiretapping would be permitted only for specified crimes; it would be authorized only as a last resort, when other investigative techniques would not work; surveillance would be carried out in such a way as to "minimize" the interception of innocent conversations; notice would be provided after the investigation had been concluded; and there would be an opportunity prior to introduction of the evidence at any trial for an adversarial challenge to both the adequacy of the probable cause and the conduct of the wiretap. "Minimization" was deemed essential to satisfy the Fourth Amendment's particularity requirement, compensating for the fact that law enforcement was receiving all of the target's communications, including those that were not evidence of a crime. The showing of a special need, in the form of a lack of other reasonable means to obtain the information, was viewed as justification for the failure to provide advance or contemporaneous notice of the search.
Due to privacy considerations arising from changes in technology, primarily the advent of wireless services and the growing use of email, in 1986 Congress adopted the Electronic Communications Privacy Act (ECPA). Congress' action was in part spurred by the recognition that individuals would be reluctant to use new technologies unless privacy protections were in place.
ECPA did recognize the importance of transactional data. ECPA set forth rules for the use of pen registers and trap and trace devices, which capture out-going and incoming phone numbers respectively. It also established rules for law enforcement access to information identifying subscribers of electronic communication services. For transactional information relating to e-mail ECPA requires a warrant, for other transactional data it requires a court order, a mere subpoena, or consent.
To a large degree ECPA extended the Title III protections to the interception of wireless voice communications and to non-voice electronic communications such as fax and email while in transit. However, ECPA did not extend all of Title III's protections to electronic communications. Unlike Title III, which limits the use of wiretaps to a limited list of crimes, court orders authorizing interceptions of electronic communications can be based upon the violation of any federal felony. While constitutional challenges to the introduction of information obtained in violation of ECPA may succeed, ECPA contains no statutory exclusionary rule as Title III does.
Moreover, Congress et very different rules for access to electronic communications while they are in storage incident to transmission. When the government goes to AOL or another service provider and asks it to provide a copy of a person's email messages from the AOL server where they sit waiting to be read, an ordinary search warrant is enough without the special protections of minimization, judicial supervision and notice to the individual found in Title III.
B. Assumptions of the existing framework
In drafting ECPA Congress began the process of dealing with fundamental changes in technology. They recognized that transactional data needed privacy protections. However, the framework of Title III and the advances of ECPA did not envision the World Wide Web and the pervasive role technology would come to play in our daily lives. Underlying Title III and ECPA were a number of assumptions about both the nature and the use of electronic communications:
- A. From phones to email: The existing framework
- The transmission of private communications and records stored with third parties, including records of such communications, raise different privacy considerations.
- The majority of electronic communications are by nature ephemeral.
- The private sphere of personal communications and interactions would be located at the end-points, not in the medium itself.
- The government's collection and use of information about individuals' activities and communications is the greatest threat to individual privacy.
- Transactional data is not rich in intimate, personal detail.
Congress has only begun to wrestle with the fact that some of these assumptions, while perhaps accurate at one point in history, have changed dramatically since the initial framework for protecting electronic communications was articulated in 1986. Congress took a first small step towards recognizing the changing nature of transactional data in the networked environment with amendments to ECPA enacted as part of the Communications Assistance for Law Enforcement Act of 1994 (CALEA). The 1994 Amendments recognized that transactional data was emerging as a hybrid form of data, somewhere between addressing information and content, and was becoming increasingly revealing of personal patterns of association. For example, addressing information was no longer just a number and name, but contained the subject under discussion and information about the individual's location. Therefore, Congress raised the legal bar for government access to transactional data by eliminating subpoena access and requiring a court order, albeit one issued on a lower relevance standard. Some issues were left unanswered, and new ones continue to arise as communications technology advance.
IV. Four Examples Reveal the Current Weaknesses of Existing Statutory Protections for Privacy in light of the Shifts in Electronic Communications Technology and its Use in Society. |
Individual's traditionally kept their diaries under their mattress, in the bottom drawer of their dresser or at their writing table. Situated within the four walls of the home these private papers are protected by the Fourth Amendment. With the advent of home computers individual diaries moved to the desktop and the hard-drive. Writers, poets, and average citizens quickly took advantage of computers to manage and transcribe their important records and thoughts. Similarly, pictures moved from the photo album to the CD-ROM.
Today, network computing allows individuals to rent space outside their home to store personal files and personal World Wide Web pages. The information has remained the same. A diary is a diary is a diary. But storing those personal thoughts and reflections on a remote server eliminates many of the privacy protections they were afforded when they were under the bed or on the hard-drive. Rather than the Fourth Amendment protections — including a warrant based on probable cause, judicial oversight, and notice — the individual's recorded thoughts may be obtained from the service provider through a mere court order with no notice to the individual at all.
B. Medical records in cyberspace
To bring home what this means in a business setting lets look at medical records. Hospitals, their affiliated clinics and physicians are using intranets to enable the sharing of patient, clinical, financial, and administrative data. Built on Internet technologies and protocols, the private networks link the hospital's information system, to pharmacy and laboratory systems, transcription systems, doctors and clinic offices and others. The U.S. government is contemplating the development of a federal governmentwide computer-based patient record system. According to news reports, the Internet and World Wide Web-based interfaces are under consideration. The private sector is moving to integrate network computing into the a sensitive area of our lives — the doctors office.
As computing comes to medicine, the detailed records of individuals' health continue to move not just out of our homes, but out of our doctors offices. While the use of network technology promises to bring information to the fingertips of medical providers when they need it most, and greatly ease billing, prescription refills, and insurance pre-authorizations, it raises privacy concerns.
In the absence of comprehensive federal legislation to protect patient privacy, the protections afforded by ECPA and other statutes are of utmost importance. Unfortunately, the protections afforded to patient data may vary greatly depending upon how the network is structured, where data is stored, and how long it is kept. If records are housed on the computer of an individual doctor then access to that data will be governed by the Fourth Amendment. Law enforcement would be required to serve the doctor with a warrant or subpoena and the doctor would receive notice and have the chance to halt an inappropriate search. Under federal law, the patient however, would receive no notice and have no opportunity to contest the production of the records. When information is in transit between a doctor and a hospital through a network, law enforcement's access is governed by the warrant requirements of ECPA, and neither doctor nor patient receive prior or contemporaneous notice. If the records are stored on a server leased from a service provider the protections are unclear. They may be accessible by mere subpoena. If they are covered by the "remote computing" provisions of ECPA this would severely undermine privacy in the digital age.
In addition to concerns about government access to personal health information, recent news stories have focused the public on the misuse of personal health information by the private sector — particularly when its digitized, stored and manipulated. Recently the Washington Post reported that CVS drug stores and Giant Food were disclosing patient prescription records to a direct mail and pharmaceutical company. The company was using the information to track customers who failed to refill prescriptions — sending them notices encouraging them to refill and to consider other treatments. Due to public outrage — and perhaps the concern expressed by Senators crafting legislation on the issue of health privacy — CVS and Giant agreed to halt the marketing disclosures. But the sale and disclosure of personal health information is big business. In a recent advertisement Patient Direct Metromail advertised that it had 7.6 million names of people suffering from allergies, 945,000 suffering from bladder-control problems, and 558,000 suffering from yeast infections.
The sale and disclosure of what many perceive as less sensitive information is also raising privacy concerns. This past summer AOL announced plans to disclose its subscribers telephone numbers to business partners for telemarketing. AOL heard loud objections from subscribers and advocates opposed to this unilateral change in the "terms of service agreement" covering the use and disclosure of personal information. In response, AOL decided not to follow through with its proposal.
As we move forward we must ask, will personal records be afforded differing levels of privacy protection merely because of where and how they are stored? Will individuals be the arbiters of their own privacy, able to make decisions about who knows what about them? How will individual privacy be protected in interactions in the private sector.
C. The case of Timothy R. McVeigh
In January news stories broke about a highly decorated seventeen-year veteran of the U.S. Navy who was to be discharged based on information obtained by the Navy from America Online. The facts surrounding the incident raise many concerns with privacy in the online world. Using an AOL screenname "boysrch," Timothy McVeigh sent an email to a civilian Navy volunteer. The curious volunteer looked up the screenname in AOL's member profile directory and discovered that the subscriber identified himself as "Tim, from Honolulu, Hawaii, employed by the military, and gay." The volunteer passed the screen name and profile information on to her husband, a Navy officer. It eventually landed in the hands of the Judge Advocate General who undertook an investigation. A Navy paralegal called AOL's customer service and asked for information about the subscriber belonging to the screenname "boysrch." AOL identified Timothy R. McVeigh as the subscriber.
According to the administrative separation proceedings, the Navy paralegal had not obtained a warrant, a court order, a subpoena, or Timothy McVeigh's consent prior to contacting AOL, and was therefore in violation of ECPA. In its statement arguing against Timothy McVeigh's request for an injunction, the Navy stated that ECPA puts the obligation on AOL to withhold information, not on the government to follow appropriate procedures. Equally troubling is the fact that because the statute penalizes only "knowing or intentional" violations, it is unclear whether a cause of action will succeed for this violation of privacy and ECPA.
This case illustrates a number of weaknesses of ECPA. ECPA limits the disclosure of information to the government but allows online service providers and others to disclose information, other than the contents of communications, about subscribers to other parties. Is the disclosure of information to the Navy, or more generally the government, an individual's only privacy concern? We can certainly imagine scenarios in which information tying a screenname, and possibly online activities, to an individual's real world identity would substantially invade an individual's privacy and potentially enable further harm to befall him. Of specific concern would be the disclosure of information about children in such a setting. While the government's access to this information, and subsequent actions based upon it, are the source of harm in the McVeigh incident, it is quite possible to imagine a situation equally troubling involving the disclosure of such information to a private party.
A second troubling aspect of ECPA revealed by the McVeigh case is that the lack of a statutory exclusionary rule coupled with penalties that only focus on intentional violations do not create incentives for parties to effectively implement its requirements. In the McVeigh case ECPA itself may not limit the use of the illegally obtained information. While the Constitution may, the lack of a statutory exclusionary rule undermines the goal of assuring that the government follow appropriate procedures designed to protect privacy at the front-end. Similarly, the existing penalty structure set out in ECPA does not encourage proactive behavior to protect privacy. In the incident involving McVeigh, AOL claimed that they did not know they were providing information to a government agent, and therefore under the existing statutory penalties they may not be liable.
D. We know where you are and what you're doing.
An example of the power of transactional data comes from the "location" information available through many cellular networks. In the course of processing calls, many wireless communications systems collect information about the cell site (location) of the person making or receiving a call. Location information can be useful, as Ted Rappaport, the inventor of the hand-held cell phone locator, stated, "If you could know accurately where things are, not only would you feel safer because emergency services could find you, but law enforcement could use it more easily to track the bad guys." But as one reporter put it, "Cellular telephones, long associated with untethered freedom, are becoming silent leashes…" The technology is proceeding in the direction of providing more precise location information, a trend that has been boosted by the rulings of the Federal Communications Commission in its "E911" (enhanced 911) proceeding, which requires service providers to develop a locator capability for medical emergency and rescue purposes. Location information may be captured when the phone is merely on, even if it is not handling a call. Private sector uses of this information are also under consideration. A company in Japan is experimenting with a World Wide Web site that allows anyone to locate a phone and the person carrying it by merely typing in the phone number.
In the online environment, transactional data can do more than just track the individual's location. It can provide insight into their thoughts, their affiliations, and their politics. It can reveal whether they are at home or at work. In a world where transactional data captures the full contours of a person's life it is time to provide it with stronger privacy protections.
- A. Personal papers in cyberspace
V. Recommendations |
As we consider privacy in the changing communications environment we must ask whether the assumptions of a previous time and technology, and legal distinctions based upon them, continue to make logical sense. Or more importantly, whether they provide protections reflective of our commitment to individual privacy autonomy, dignity, and freedom. Policies designed to implement the Fourth Amendment developed in a 20th century world of paper records — even as extended to protect transient voice communications — may not be applicable to 21st century technologies where many of our most important records are not "papers" in our "houses" but "bytes" stored electronically and our communications rather than disappearing into thin air are captured and stored at distant "virtual" locations for indefinite periods of time.
To address privacy in the electronic communications environment the Congress should:
Reexamine the need for limits on the disclosure and use of personal information by private entities. Both the Federal Trade Commission and the Department of Commerce are engaged in initiatives designed to promote "fair information practice principles" in the online environment. We are encouraged that Congress is exploring protections for individual privacy during private sector activities. In considering this issue we recommend that discussions focus on the Code of Fair Information Practices developed by the Department of Health, Education and Welfare (HEW) in 1973 and the Guidelines for the Protection of Privacy and Transborder flows of Personal Data, adopted by the Council of the Organization for Economic Cooperation and Development in 1980.
Reconsider how the lines have been drawn between records entitled to full Fourth Amendment protection and business records that fall outside the protection of the Fourth Amendment. There are now essentially four legal regimes for access to electronic data: (i) the traditional Fourth Amendment standard, for records stored on an individual's hard drive or floppy disks; (ii) the Title III-ECPA standard, for records in transmission; (iii) the business records held by third-parties, available on a mere subpoena with no notice to the individual subject of the record; and, (iv) a third, the scope of which is probably unclear, for records stored on a remote server, such as the research paper (or the diary) of a student stored on a university server or the records (including the personal correspondence) of an employee stored on the server of the employer. As the third and fourth categories of records expand because people find it more convenient to store records remotely, the legal ambiguity and lack of strong protection grows more significant and poses grave threats to privacy in the digital environment.
Heighten the standard for access to transactional data. Transactional data are in many ways a person's digital fingerprints, although far more easily captured. Transactional records provide unprecedented information about the places, people, and activities that comprise the individual's daily life.
Create a privacy entity to provide expertise and institutional memory, a forum for research and exploration, and a source for guidance and policy recommendations on privacy issues. The existing crisis-driven approach to responding to privacy concerns has hindered the development of sound rational policy and failed to keep pace with changes in technology. The US needs an independent voice empowered with the scope, expertise, and authority to guide public policy. Such an entity has important roles to play on both the domestic and international fronts. Without an independent voice, privacy rights in the United States will not be afforded adequate consideration and protection in emerging media.
Encourage the development and implementation of technologies that support privacy on global information networks. Technological mechanisms for protecting privacy are critically important on the Internet and other global medium. Developing meaningful privacy protections in the online environment requires us to realize that our laws and Constitutional protections may not follow our citizens, their communications, or their data as it travels through distant lands. Technology can provide protections regardless of the legal environment.
Strong encryption is the backbone of technological protections for privacy. Today technical tools are available to send anonymous email, browse the World Wide Web anonymously, and purchase goods with the anonymity of cash. The World Wide Web Consortium's Platform for Privacy Preferences, currently under development, will provide an underlying framework for privacy — allowing Web sites to make their information practices available to visitors and individuals to set privacy rules that control the flow of data during interactions with Web sites. This effort has involved non-profit, for-profit and government representatives.
The U.S. should encourage the development of privacy-enhancing technologies that address the need either to eliminate data collection, or where data collection occurs: to limit the data collected; to communicate data practices; and, to facilitate individualized decision-making where consistent with policy.
Collaborate with other governments, the public interest community and the business community to develop global solutions for the decentralized network communications environment. Traditional top down methods of implementing policy and controlling behavior, be they international agreements, national legislation, or sectoral codes of conduct enforced by the private sector, offer incomplete responses to the privacy issues arising on the global information infrastructure. Implementing privacy policy in the decentralized, global and borderless environs of international networks raises difficult questions of effectiveness and enforcement. The U.S. should work with all parties — other governments, international bodies, the public interest and for-profit communities to build consensus on appropriate policy. Providing a seamless web of privacy protection to individuals' data and communications as it flows along this international network may require new tools — legal, policy, technical and self-regulatory — for implementing policy. The U.S. should actively participate in their crafting.
Thank you for the opportunity to participate in this important discussion about protecting privacy in the online environment.


text:
Post Office Glasgow Directory 1841-1842, Professions Index, spindle makers-stationers. The Professions Index appears at the end of the directory, and lists the names and addresses of members of professions, alphabetically, according to profession, from accountants to zincographic printers.
To look for a list of names of members of a profession, please search by the title and year of the directory and by the first initial of the profession. For example, to search in this directory for a list of accountants, go to the search box and type:
PO Dir 1841, Professions, A
Reference: Mitchell Library, DIR 1841-42
Reproduced with the permission of Glasgow City Council, Libraries Information and Learning
Keywords:directories, family history, genealogy, PO Dir 1841, Professions, S, Post Office Glasgow Directory, 1841
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Used 2018 Ford Focus SE
Price In Stock 1 USD 1FADP3F24JL316112 S9001 Car ZoneDealer | Car Zone |
Body | Other |
Ext. Color | White Gold |
Mileage | 80196 |
Engine | Fuel Injection 2.0L I4 160hp 146ft. lbs. |
Transmission | 6-Speed Automatic |
Stock # | S9001 |
Specifications, Features, Safety, and Warranty data are based on what is available as standard equipment per trim level, for the designated Model-Year, and may not apply to vehicles with added packages or options. Newer models may still be under factory warranty, please check with dealer for more information. Extended service plans are available. The warranty information represents what the warranty on this vehicle was when new. MPGs for Flex Fuel Vehicles are based on Gasoline MPG data. Images may be provided as a visual representation of the vehicle and may not be of the actual vehicle listed.*All advertised prices exclude government fees and taxes, any finance charges, any dealer document preparation charge, and any emission testing charge. Subject to prior sale. We strive for accuracy, but this pricing information may be different from actual dealer price. Please check dealer for actual pricing and availability. Not responsible for typographical errors. *MPG's are based on the most current model-year EPA mileage estimates, reflecting new EPA fuel economy methods beginning with 2008 models. Use for comparison purposes only. Do not compare to models before 2008. Your actual mileage will vary depending on how you drive and maintain your vehicle.


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With its passage in December 2017, the Tax Cuts and Jobs Act (TCJA) changed the deductions for interest on mortgage and home equity loans. On February 21, 2018, the Internal Revenue Service (IRS) provided clarification on how the TCJA will be applied to mortgage and home equity loan interest deductions.
Initially, application of the TCJA was ambiguous because of (1) definitions from the 1986 "old" tax law and (2) the multiple ways to use home equity. The IRS's recent guidance establishes that the interest on some refinanced mortgages and home equity loans and lines of credit will be deductible under the TCJA if it qualifies as acquisition debt. Here, we'll answer some questions on how the TCJA is applied to mortgage and home equity loan interest, starting with a definition of residential debt.
How does the Internal Revenue Code define residential debt? The mortgage interest deduction began under the Tax Reform Act of 1986 (a.k.a. the old tax law). This law allowed a deduction for qualified residence interest in two separate categories: acquisition indebtedness and home equity indebtedness. It defined "acquisition debt" as new or refinanced secured debt used to acquire, construct, or substantially improve a residence. It defined "home equity debt" as secured debt that could, but did not have to, be used to acquire, construct, or improve a house.
The TCJA did not change or modify either definition.
What interest can be deducted? Prior to 2018, you could deduct interest on mortgage debt up to $1,000,000. The $1,000,000 could be either a single mortgage or a total combined mortgage debt on a primary residence and a vacation home.
You could also deduct up to $100,000 of the interest paid on home equity loans and lines of credit. This interest was deductible irrespective of how you used the loan proceeds. Debt consolidation? Deductible. College tuition? Deductible.
Under the TCJA, however, only acquisition debt qualifies for the interest deduction. Obviously, mortgages are loans for the acquisition or construction of a home. The TCJA caps the interest deduction for mortgages obtained after January 1, 2018, at $750,000. All mortgage debt secured before December 31, 2017, is grandfathered under the old rules. This means that the $1,000,000 limit still applies to mortgages that existed before the end of last year.
The TCJA also eliminates the interest deduction for home equity loans and lines of credit. Here, the TCJA contains no grandfather provisions. Even if a home equity loan or line of credit was taken before December 31, 2017, an interest deduction on its remaining balance may depend entirely on whether the debt is acquisition debt.
Will interest on a home equity loan or line of credit used for home improvement be deductible? Yes. This is one of the ambiguities that the IRS has clarified. The TCJA kept the old tax law's definitions of acquisition debt and home equity debt; however, the TCJA looks only at the use of the debt. That is, interest is deductible if the loan is acquisition debt used to build, acquire, or improve a home. The fact that a primary residence secures a new home equity loan or line of credit is irrelevant.
Home equity loans and lines of credit are often, but not always, used to improve a residence. For example, a home equity loan used for debt consolidation or college tuition does not qualify as acquisition debt because it does not enhance the home's value. On the other hand, the same home equity loan used to build an addition that increases the home's cost basis and improves its market value meets the definition of acquisition debt.
Will a refinanced mortgage qualify as acquisition debt? Yes. This is another aspect of the TCJA that initially lacked clarity. The original mortgage was acquisition debt. But what if part of the refinancing is used to pay off credit cards? The interest on that portion of the refinanced loan is not acquisition debt.
Was there general agreement that interest on a refinanced mortgage or home equity loan may be deducted if it meets the definition of acquisition debt? No. Some tax preparers took a literal approach. They read the TCJA as barring a deduction for all home equity debt, irrespective of its use. Others took a more practical view. They interpreted the TCJA in conjunction with the old tax law's definition of acquisition debt. The IRS's recent guidance supports the practical view: interest on home equity loans and refinanced mortgages is deductible under the TCJA if the debt was used to acquire, construct, or improve residential property.
New territory As you can see from this discussion, it's important to have a clear understanding of the rules regarding mortgage and home equity loan interest deductions under the TCJA. Given this new territory, be sure to track the use of your home equity debt so that you can provide your tax preparer with all supporting documentation.
This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.
© 2018 Commonwealth Financial Network®


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At the summit of Schneeberg, with 1052 m a.m.s.l. the highest mountain in Fichtelgebirge in northern Bavaria there is a small wodden lookout-tower where this pano is taken. Nearby you can see the remainings of a former military installation. On top of the mountain at the horizon there is the slim needle of the Ochsenkopf-TV-Station
Wikipedia: Franconia (German: Franken) is a region of Germany comprising the northern parts of the modern state of Bavaria, a small part of southern Thuringia, and a region in northeastern Baden-Württemberg called Heilbronn-Franken. The Bavarian part is made up of the administrative regions of Lower Franconia (Unterfranken), Middle Franconia (Mittelfranken), and Upper Franconia (Oberfranken).Franconia (like France) is named after the Germanic tribe of the Franks. This tribe played a major role after the breakdown of the Roman Empire and colonised large parts of medieval Europe.Modern day Franconia comprises only a very tiny and rather remote part of the settlement area of the ancient Franks. In German, Franken is used for both modern day Franconians and the historic Franks, which leads to some confusion. The historic Frankish Empire, Francia, is actually the common precursor of the Low Countries, France and Germany. In 843 the Treaty of Verdun led to the partition of Francia into West Francia (modern day France), Middle Francia (from the Low Countries along the Rhine valley to northern Italy) and East Francia (modern day Germany). Frankreich, the German word for "France", and Frankrijk, the Dutch word for "France"; literally mean "the Frankish Empire".


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Canon Introduces The New And Powerful EOS 70D Digital SLR Camera Featuring Instant And Accurate Focusing Of Still Images And Video
Designed to Change the Way Photographers Capture Images and Video, New Camera Features Newly-Developed Dual Pixel CMOS AF Technology, Built-in Wireless Capability, 20.2 Megapixel CMOS Sensor, DIGIC 5+ Image Processor, and More
MELVILLE, N.Y., July 2, 2013 – Canon U.S.A., Inc., a leader in digital imaging solutions, is proud to introduce the high-performance EOS 70D Digital SLR camera – bringing advanced features to photo enthusiasts looking for a step up from their entry-level digital SLRs. Featuring an innovative new Dual Pixel CMOS AF system for instant and precise focusing of video as well as still images, the EOS 70D also provides outstanding image quality and performance thanks to its new 20.2 megapixel APS-C Canon CMOS sensor and Canon's superb DIGIC 5+ Image Processor.
Canon's newly-developed Dual Pixel CMOS AF, a phase-detection autofocus (AF) technology on the camera's image sensor plane, enables users to shoot video with the new EOS 70D close to the quality of a video shot with a camcorder. Dual Pixel CMOS AF employs a revolutionary CMOS sensor on which all of the effective pixels are able to perform both still imaging and phase-detection AF simultaneously to achieve dramatically improved AF performance over other EOS cameras during Live View shooting and when shooting video.
Compared with Canon's conventional Live View AF systems, Dual Pixel CMOS AF realizes shorter focusing times, exceptional tracking performance and smoother autofocusing during video shooting. And, because Live View shooting can be used in a manner similar to using the camera's viewfinder, the fast and smooth AF performance allows users to concentrate more attention on the subject and composing the photo when shooting. Dual Pixel CMOS AF also supports 1031 models of EF lenses (including many earlier models), enhancing a photographer's creative options as well as maximizing the benefit of Dual Pixel CMOS AF in a variety of situations.
"The new EOS 70D Digital SLR camera is a game-changing DSLR model that incorporates advanced features for high-quality still and video capture and intuitive operation that allows photographers to evolve their creative vision from shooting still images to shooting moving images," said Yuichi Ishizuka, executive vice president and general manager, Imaging Technologies & Communications Group, Canon U.S.A. "This camera's outstanding image quality combined with built-in wireless technology and popular creative functions and filters makes it easy to turn photos into works of art and share them immediately."
Wireless Connectivity
The EOS 70D Digital SLR camera's built-in wireless transmitter offers users several connectivity options to easily share their images. With the download of the free EOS Remote app2 from the Apple App Store or the Google Play store, users can connect to both iOS® or Android™ smartphones and tablets3 to wirelessly transfer photos and videos from their camera to their device. They can also control aperture, shutter speed, and ISO from their smartphone. This camera also has the ability to connect directly to Canon's iMAGE GATEWAY4, making photos easily accessible and ready to share on social networking sites. In addition, the EOS 70D has the ability to connect wirelessly to computers, DLNA devices, Wi-Fi Certified® Canon cameras and wireless PictBridge5 compatible printers, such as the PIXMA MG6320 Wireless Photo All-In-One printer model.
Superb Still Performance
Featuring a new 20.2 megapixel APS-C Canon CMOS sensor and Canon's superb DIGIC 5+ Image Processor, as well as an extensive ISO range of 100-12800 (expandable to 25,600), the EOS 70D Digital SLR camera is capable of producing sharp, detailed images, even in low-light conditions. And with high-speed continuous shooting of up to 7.0 frames per second (fps) united with a 19-point all cross-type AF system (including a high-precision f/2.8 dual cross-type AF center point), it allows photographers to easily capture accurately focused fast moving subjects. In addition, the camera's Scene Intelligent Auto Mode delivers optimized photos and offers outstanding scene detection for amazing results even when shooting in low light.
The EOS 70D also incorporates a 63-zone Dual Layer IFCL (Intelligent Focus, Color & Luminance) AE metering system which enhances accurate exposures by minimizing random metering errors caused by varying subject colors and light sources. Other useful features include a built-in Electronic Level Function, Manual WB settings and AF Microadjustment.
Enhanced EOS Full HD Movie Mode for Professional Quality Video
With Canon's new Dual Pixel CMOS AF system and Movie Servo AF, the camera provides continuous phase-detection AF during video recording for quick and accurate focus tracking of moving subjects in the central 80 percent of the imaging area. While shooting with any of Canon's Stepping Motor (STM) lenses, such as the new EF-S 18-55mm f/3.5-5.6 IS STM lens, motor noise from the lens is significantly reduced so the camera will only capture the stereo sound of the scene being recorded. For added flexibility, the EOS 70D Digital SLR camera also features a built-in stereo microphone with manual audio level adjustment and an attenuator function to reduce audio clipping, an accessory jack for external stereo microphones and Video Snapshot mode with editing for expanded video shooting options. When users select the EOS Movie Mode, the EOS 70D offers the ability to shoot in 1080p Full HD video up to 30 fps in either ALL-I or IPB codecs with optional embedded time code, matching the flexibility of other current EOS cameras such as the EOS-1D X, EOS 5D Mark III, and EOS 6D models.
Expanding Creativity
The EOS 70D Digital SLR camera provides advanced amateur photographers and photo hobbyists looking to hone their creative and technical skills with an innovative range of in-camera imaging features such as High Dynamic Range, Multiple Exposure, Handheld Night Scene and HDR Backlight Control modes that allow for expanded creativity. The new camera is also equipped with built-in RAW Image Processing and Image Resizing functions.
When any one of the seven Creative Filters is applied in Live View, users can preview the effect of the filter on the three-inch Vari-Angle Touch Screen monitor without having to shoot the image first. Users can pick from effects such as Art Bold, Fish-eye, Water-painting, Grainy Black and White, Soft Focus, Toy Camera and Miniature and choose the one that best expresses their creative vision before or after the image is captured.
All of these features, when combined with a high-resolution Vari-angle Touch Screen 3.0-inch Clear View LCD monitor II with intuitive touch controls featuring multi-touch operation and Touch AF, make it the ideal camera choice for photographers looking for the best in imaging technology.
The EOS 70D is compatible with the full line of Canon EF and EF-S lenses as well as SD/SDHC/SDXC memory cards, including Ultra High Speed (UHS-1) cards.
The EOS 70D Digital SLR camera is scheduled to be available in September 2013 for an estimated retail price of $1199.00 for the body alone and $1349.00 bundled with an EF-S 18-55mm f/3.5-5.6 IS STM lens or $1549.00 bundled with the EF-S 18-135mm f/3.5-5.6 IS STM lens. Also available will be a new Battery Grip BG-E14 that conveniently accepts up to two LP-E6 battery packs or a set of six AA batteries for an estimated retail price of $270.00.
For more information about the Canon EOS 70D Digital SLR Camera, the full list of product specifications and compatible lenses, visit www.usa.canon.com/eos.
About Canon U.S.A., Inc.
Canon U.S.A., Inc., is a leading provider of consumer, business-to-business, and industrial digital imaging solutions. With approximately $40 billion in global revenue, its parent company, Canon Inc. (NYSE:CAJ), ranks third overall in U.S. patents registered in 2012† and is one of Fortune Magazine's World's Most Admired Companies in 2013. In 2012, Canon U.S.A. has received the PCMag.com Readers' Choice Award for Service and Reliability in the digital camera and printer categories for the ninth consecutive year, and for camcorders for the past two years. Canon U.S.A. is committed to the highest level of customer satisfaction and loyalty, providing 100 percent U.S.-based consumer service and support for all of the products it distributes. Canon U.S.A. is dedicated to its Kyosei philosophy of social and environmental responsibility. To keep apprised of the latest news from Canon U.S.A., sign up for the Company's RSS news feed by visiting www.usa.canon.com/rss and follow us on Twitter @CanonUSA.


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Savoy House Lighting is proud to be leading the way for the residential lighting industry in the 21st century. With a rich, prosperous, Atlanta-born and family-owned history, the company has grown immensely over the past 46 years, becoming stronger and stronger with each passing date. In the 1930's a young man plowing a field in South Georgia saw a train coming up a steep grade in the distance and thought to himself that anything would be better then plowing this field in the hot Georgia sun. So he jumped onto that train wearing only the clothes he had on, some change in his pocket, and a lot of hope. Upon arriving in East Point, GA, he walked across the tracks and into the Main Street of town. There, he saw a grocery store and a bakery. The last few pennies he had went towards the purchase of a loaf of bread and some cookies from these two establishments. With only hope left, the young man began seeking his fortune in Atlanta. Years later, the young man and his son established a company in these same buildings. The young man was Robert E. Lee. The son was Fred J. Lee. The company was named Progressive Lighting. At the time of the founding of the enterprise in 1965, Robert E. Lee and Fred J. Lee were homebuilders. Building in these expansionary times, they noticed that the city's lighting showrooms provided little or no selection and had problems with supplying products to the job-site. The Lees saw an opportunity. They established a lighting showroom in that same grocery store on Main Street in East Point, GA that Mr. Robert E. Lee first walked into so many years before. Homemade shelving for the warehouse, a small showroom, and a counter in the back of the building to sell electrical supplies characterized the original store. Started on the philosophy of having a large selection of merchandise that was adequately stocked, the firm was an immediate success. It was during this time period that Mr. Robert E. Lee decided to take a bold step into the importation of lighting fixtures. When the fixtures arrived at the East Point store they were assembled in a small room at the back of the store. The experiment was so successful that the old bakery next door was leased to be used as a small assembly plant and warehouse. These chandeliers were produced into a catalog and a network of sales representatives was established. The line of lighting fixtures was sold throughout the Southeast and eventually Nationwide. Savoy House Lighting, Inc. was born. Today, Savoy House Lighting keeps a finger on the pulse of the lighting and home fashion industry by way of our designers. They continually bring fresh and exciting new lighting designs to us for the development and manufacturing. Savoy House has a 50,000 square foot permanent lighting and ceiling fan showroom in the Dallas Market Center, the largest wholesale merchandise resource available in the lighting industry. This proud heritage and rich diversity are the winning combination for continued growth and success for Savoy House Lighting.
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Montgomery Dowdle Law Firm can assist Hill City Idaho accident victims recover necessary damages?
Accidents catch most people off guard, as they are unplanned, undesirable events yielding negative disruptions to daily life happenings. Montgomery Dowdle Law Firm are Hill City Idaho accident attorneys who can determine if other people, or entities caused an accident that resulted in bodily injury, property damage and wrongful death casualty to a victim, or loved one who may not share in the fault of the accident. In those cases, the law provides for compensation, or indemnity. Accidental injuries occur at work, on someone's property, in the hospital, on vacation, during recreational outings, or in a motor vehicle, just to name a few common locations. Experienced accident lawyers in Hill City Idaho can effectively address an accident claim toward a court award, or an insurance settlement that will compensate a victim for their losses.
Leading cause of death in Idaho in 2018.
Accidents were the fourth leading cause of death in Idaho in 2018, accounting for a total of 887 deaths. Car accident attorneys in Hill City Idaho, and truck accident attorneys in Hill City ID, can represent individuals who have suffered the loss of a loved one in Idaho vehicle accidents, as each type of accident has a slightly different fact-finding method to support negligence. Hill City Idaho injury lawyers can provide successful litigation for motorcycle, personal injury, premises liability, medical malpractice, and worker's on-the-job injuries in pursuit of economic, and non-economic damages.
Motor vehicle accidents in Hill City Idaho.
Idaho is a "fault," state with regard to truck and car accidents, and requires drivers to carry a minimum amount of property damage and liability auto insurance. The State of Idaho follows the modified comparative negligence rule, meaning accident victims can file a car accident claim against negligent drivers with the assistance of Hill City ID injury attorneys, even if they are partially to blame for the accident, but the other driver must be more at fault. Injured parties have the right to pursue compensation, whether they were a pedestrian, a cyclist, a passenger, or driving a motor vehicle when the accident occurred. Idaho accident victims must abide by restrictions under the modified comparative negligence rules of the State. Catastrophic damages often occur when there are size discrepancies between vehicles and Hill City Idaho truck accident lawyers in Idaho can be paramount to a higher award necessary for life changes and future medical care.
Negligent acts that include speeding, distracted driving, or drunk driving may have a criminal component that will have to be addressed first, but may strengthen the proceedings for the civil action. A lawyer's involvement may speed this process along, and compensation will vary depending on insurance coverages and degrees of fault assigned to each driver. There is a two year time period to file a suit after a motor vehicle accident in Idaho, referred to as the statute of limitations, although there are some exceptions to this timeline. A personal injury attorney in Hill City Idaho can outline those variations based on the particulars of a case.
Personal injury lawyers in Hill City Idaho.
In personal injury cases, negligence must be proven if a victim is trying to recover damages from another person, or entity they believe acted, or failed to act, resulting in their injury. The recovery of damages rests on Hill City ID personal injury lawyers' ability to build a case to prove that the other individual, or entity was the cause of the injury and owed a duty of care to the victim.
Premises liability.
Premises liability claims address injuries that occurred on another's property and may be covered under homeowners' insurance. Slip and fall, and other injuries occur as a result of poor conditions on a property, improper maintenance, or negative interactions with occupants on the premises. In most cases, the property owner has a responsibility to provide a duty of care to the injured person, but the reason for their visit to the property will have some bearing on the outcome and negligence will need to be proven.
Medical malpractice.
Medical malpractice occurs when an individual is injured while under the care of a health care professional. Idaho does not have a statute that caps damages specific to medical malpractice cases, but it does for tort action, where a victim cannot collect more than $250,000 for pain and suffering. Damages like mental anguish, disfigurement, and loss of enjoyment of life and concrete damages that include medical bills for instance are not capped in Idaho. The initial statute of limitations is two years to file a suit, and legal counsel can advise individuals of case-specific deviations from that timeline.
Workers' compensation Lawyers in Hill City Iowa.
Workplace injuries can result in serious economic hardship for the worker and their family due to lost income, unexpected medical bills, physical pain, and/or resultant disabilities. Worker's compensation is in place to support injured workers and a skilled attorney may be of assistance in filing a claim with the Idaho Industrial Commission. Injuries may be caused by an accident that results in physical injury, a medical condition that develops over time, or a condition associated with the workplace environment.
Wrongful death lawyers in Hill City Idaho.
A wrongful death legal action is a type of lawsuit brought by loved ones of a person who dies because of the negligent, reckless, or deliberate act of another. Wrongful death legal claims in Hill City ID are commonly undertaken by car accident lawyers to collect damages that cover medical bills, funeral expenses, lost wages, pain and suffering and punitive damages.
Compensatory damages compensate for economic losses related to medical bills, future medical care, household expenses, lost wages and non-economic loss for pain and suffering, mental anguish, and loss of companionship.
Punitive damages may be awarded against negligent acts that leave an accident victim with injury and other losses, but they are limited to the greater of two hundred fifty thousand dollars, or an amount which is three times the compensatory damages of a judgment.
Seek counsel.
Accident victims in Hill City Idaho can minimize apprehension by hiring an experienced accident attorney, who can objectively speak on their behalf in a courtroom, and communicate with insurance companies toward a swift and fair monetary settlement .


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If you want to listen to the best information updated every minute, the best music of all styles, sport talks, interviews etc the best networks of radio. Also broadcasted on Digital TV. All hours of entertainment, cultural and communication
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Anyel Luna
Make You Belive in Love - Spanish Version
In our system, songs from artists are not automatically loaded in order to optimize our database and ensure efficient performance. However, we've made it easy for you to add any missing songs. If you can't find a song in our database, simply copy and paste the song's link onto our homepage. The song will then be added to our system. Keep in mind that it may take a few hours for the song's data to appear on this page, as we cache data to ensure smooth and speedy performance. Thank you for your understanding and for helping us grow our music database!
Songs often have multiple releases, each potentially featuring different artwork. Our system organizes and presents data based on the International Standard Recording Code (ISRC), which uniquely identifies each version of a song. Typically, we display the artwork from the song's earliest release, as this is generally the most accurate representation. However, there may be instances where this approach does not reflect the correct artwork for a particular version of a song. If you notice an error in the artwork displayed for a song, we are more than happy to address it. Please reach out to us with the Spotify ID of the track that requires correction, and our team will manually update the information to ensure accuracy.


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"Exit Mould" by Mario Sanchez Nevado.
Mario Nevado delivers some of the best surreal artworks of the digital era, but it's his sensitive but caustic approach to storytelling that makes his style to be an unique emotional experience.
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- 2.85 ct Total Diamond Weight (approx. 36 pcs) on Steel Bezel
- Black Dial with Mother-of-Pearl Sub-Dials
- Silver Numerals
- Date Indicator at 4 o'clock
- Red Second Sweeping Hand
- Matching Ceramic Bracelet (25 mm)
- Swiss Movement
- Sapphire Crystal
- 5ATM Water Resistant
No customer reviews for the moment.
We want you to be completely satisfied with the item purchased at 24diamonds.com. In any case you are not 100% happy with it, the diamond watch (Aqua Master or Joe Rodeo) may be returned within 30 days of the purchase date as long as it has not been used or altered in any way. The product must be returned in new condition, with original packaging, manuals, protective tape, the tag attached etc. Otherwise it will be subject to 20% restocking fee. If the return is successfully accepted, the refund will be credited in full minus original shipping charge we spent to ship the item to you.
Return shipment must be fully insured. We are not responsible for any loss or damage during the return transit. All returns are proceeded and paid within 15 business days.
For more detailed information, please visit our "Return Policy" section.
24diamonds.com offers FREE UPS Ground or USPS First Class shipping (1-5 business days) on all orders to all U.S. destinations. We automatically upgrade orders above $1,500 with FedEx 2nd Day Air shipping at no charge. Most orders are shipped within 1 business day of receipt. Customers will be notified by email of backorders which will be held upon request, and shipped upon availability. All orders shipped by 24diamonds.com are fully insured in transit and signature required for delivery.
24diamonds.com ships to most international destinations via USPS or FedEx. All duties and customs fees for international shipments are the sole responsibility of the buyer. Check with your local customs office for formation prior to purchase.
For more detailed information, please visit our "Shipping" section.


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St. Paul Content Writing Services
Unlock the full potential of your website with our top-notch St. Paul Content Writing Services. Our team of experts craft high-quality, SEO-optimized content to increase traffic and boost your search engine rankings. Trust us to elevate your online presence.
Our writing services
- High quality content writing
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Our Writers
Elevate your content with the unique voice and perspective of
professional human writers.
Experience the unmatched creativity and precision of our team.
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Our AI powered brief builder helps you with creative concepts for your next article. Or manually input your brief.
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Our algorithms assemble the best team of writers automatically. We ensure the best overlap of skills and projects.
3. Receive your content
High visibility to track progress on the dashboard. Review, approve or request unlimited revisions.


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Report User
Please select one of the reason below to report DrDeathDefying.
Also include where the issues are happening.
Add further details to support your report (optional with User impersonating someone else / fakes).
When a user is reported, our team carefully investigates their account for suspicious activity. All reports are strictly confidential.
Please read the Terms & Conditions, Help page and Privacy Policy before sending your report.
Pay special attention to the Online Safety & Reporting section on the help page.
Also remember you can block users from messaging and commenting you on the site (excluding chat)


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The issue of gun control appears to have moved into business and finance. One of the largest private equity companies in the country is terminating its relationship with a firearms corporation associated with one of the weapons used in the Newtown school shooting.
Private equity firm, Cerberus, issued a statement today saying last Friday's school massacre is 'a watershed event' and it wants to avoid being drawn into the national debate over gun control. So, it's selling off its investments in Freedom Group, a firm that it acquired in 2006.
Freedom Group declares it's "the world's leading innovator, designer, manufacturer and marketer of firearms, ammunition and related products for the hunting, shooting sports, law enforcement and military markets". Its website lists products from Remington to Barnes Bullets to Bushmaster weapons. Police say shooter Adam Lanza used a Bushmaster AR-15 rifle to kill most of the children, teachers and staff at Sandy Hook Elementary School last Friday.
Why is Cerberus acting so quickly? It may be more than the mood of the country. It could be pressure from the second biggest pension fund in the country: the California State Teachers' Retirement System. Reuters says CalSTRS, as it's known, is looking over its Cerberus investments. According to the CalSTRS website, it's invested $751.4 million dollars in Cerberus as of March 31, 2012.
Cerberus' statement says its company is made up of investors, not policy makers, and its job is to make the best decisions for these investors, who include firemen, teachers, police officers, unions and others. "It's not our role to take positions, or attempt to shape or influence the gun control policy debate. That is the job of our federal and state legislators."
Cerberus isn't the only company that could experience pressure. California Treasurer Bill Lockyer is asking the teachers' pension and the California Public Employees' Retirement System how much they've invested in gun manufacturers. He's on the board of directors of both pension funds, and he wants them to divest their stakes in such companies, according to Bloomberg News.
In related news, Dick's Sporting Goods is suspending sales of modern sporting rifles in all its stores around the country. They've also cut off gun sales in its store closest to Newtown and banned their display.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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NHD-3.12-25664UCB2 | 256x64 Pixels | Graphic OLED Module | Blue Monochrome Color | Serial or Parallel Interface
This 256x64 resolution graphic OLED display offers high contrast viewing with vibrant blue graphics set against a deep black background. The OLED display technology is self-illuminating and engineered to provide high visibility and ensure easy readability from any angle in different environments. With this OLED, you can expect top speed response times. It is a passive-matrix display built with 6800/8080 serial or parallel interface options, and it's fully compatible with Arduino, which allows for seamless integration with many different electronic systems for a wide range of applications.
Designed to withstand extreme operating conditions, the NHD-3.12-25664UCB2 model operates exceptionally when used within a temperature range from -40 to 85 degrees Celsius. It has a built-in SSD1322 controller, requires a 3V power supply for operation, and is RoHS compliant.
OLED Product Specifications
Size: | 3.12" diagonal |
Display Format: | 256x64 Pixels |
Display Type: | Graphic OLED Module |
Display Color: | Monochrome Blue |
Outline L x W x H: | 89.2mm x 44.0mm x 6.0mm |
Viewing Area L x W: | 82mm x 22mm |
Active Area L x W: | 81mm x 21mm |
Supply Voltage: | 3.3V |
Interface: | Serial / Parallel |
Compatibility: | Arduino and similar development boards |
Controller Type: | SSD1322 |
Connection Type: | 1x20 Thru Hole with 2.54mm pitch |
Operating Temperature: | -40°C ~ 85°C |
Storage Temperature: | -40°C ~ 90°C |
OLED Custom Solutions
Quality Standards
At Newhaven Display we strive every day to provide our customers with the highest quality products. This means Quality, Engineering, and Manufacturing teams are aligned to exceed your expectations.
Our customers should expect their products to meet or exceed the following standards:
All Products
Reliability Testing | Customers can expect all production parts to meet or exceed operational requirements over temperature, humidity, and vibration. |
Glass Cleanliness | Customers can expect glass to be protected by liners and presented mindful of cleanliness standards. This means glass will be clean of contaminants, fingerprints, and other foreign material. |
Bezel Appearance | Bezels will be uniformly painted free of foreign materials and distracting cosmetic blemishes. Our standards maintain a clean scratch-free surface. |
PCB Appearance | PCB's are delivered with long-term reliability in mind. Finishes are free of bubbles, foreign contaminants, and meet all UL fire requirements. PCB materials will always be delivered within industry norms. PCB edges will be cleanly cut and void of burrs. |
Soldering | Soldering of all leaded and SMT components is consistent in providing the mechanical security and electrical connectivity. |
Consistency | Our manufacturing and inspection processes ensure product consistency from lot to lot. This means orders processed over the years will continually meet your expectations. We do this by exacting manufacturing specifications, with attention to detail in our processes, and by comparing to the golden units. |
Product Integrity | Quality in product manufacturing ensures integrity in construction. Customers can expect tight assembly without worry of loose parts or missing material. Our products will meet all environmental expectations including temp, humidity, & vibration conditions. |
Glass Color | While normal variations of glass color may occur (due to manufacturing tolerances), Newhaven Display maintains color compliance per internal approved color charts. These charts are maintained to ensure any minor glass deviations are identified and corrected as needed. |
ESD Protection & Safety | All devices are designed and handled in consideration of ESD protection. This includes ESD-SAFE packaging within anti-static bags, wraps, and trays. Customers are reminded to always follow ESD safety to best protect the devices. |
Our Distributors
Newhaven Display partners with distributors worldwide to bring you the best products and design services, no matter where you are working from.
Yuki S
Quick response for our requests. It is shame that we are not given the distributers price anymore and our business for selling your products is getting shrink.


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Amana Tool
Amana Tool 301007 Carbide Tipped Brad Point Boring Bit L/H 1/4 Dia x 57mm Long x 10mm Shank
Regular price
Industrial Brad Point Boring Bits are coated with a non-stick coating for longer lasting cutting edge and tool life.
Amana Tool® dowel drills are coated with a special Polytetrafluoroethylene (PTFE), a non-stick color coating. In cases where the carbide tip cutting edges are coated, there is no need to sand the coating off before use. Once the tool starts drilling, the coating is cleared off the needed cutting edge right away.
Amana's coating is applied onto the bit at a temperature of 570° F. The coating reduces the friction between the chip and the body inside the flute and it helps to clear the chips out of the hole during the drilling creating a cooler drilling area, no burning and longer lasting cutting edge.


text: Default User Group Default User Group Join Group Members 5 Details This the default user group. All existing registered users are automatically assigned this group. Groups can be modified or deleted by the admin. Members Sort by Oldest Newest First Name Alphabetically A - Z First Name Alphabetically Z - A Last Name Alphabetically A - Z Last Name Alphabetically Z- A Select a Field UsernameFirst NameLast NameEmailWebsiteBiographical Info Joanna Juan Loredo Igor Waters Asia PM Howard Abramson


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The First Application of the Associativity Rule
So here we see our associativity rule being used!
The rewriter sweeps the conjecture in a leftmost innermost fashion, applying rewrite rules as it goes.
The associativity rule is used many times in this sweep. The first ``target'' is highlighted below. Click on it to see what happens:
Current Conjecture: (equal (app (app(app (app x1 x2) (app x3 x4)) (app x5 x6)) x7) (app x1 (app (app x2 x3) (app (app x4 x5) (app x6 x7)))))


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Online decision
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Bad Credit Ok
24/7 Service
There are situations when budget planning skills aren't enough to keep you from troubles. No matter how financially savvy we are, no one is immune to emergency situations. And when they happen, we need money fast. The only thing is that getting a cash advance from a bank takes too much time. But with MaybeLoan's instant approval and affordable interest rates, applying for installment Loans in Breaux Bridge, Louisiana (LA) online is as fast as two minutes!
Got in a tough financial spot? Start acting now! Click the 'Apply' button, and we'll handle your problem as fast as possible!
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You can get a quick loan in two ways: online or via storefront lenders in your city, although getting installment loans online is usually faster and takes no more than a minute. Typically, you receive cash one business day after you fill out the application form. It should be noted, though, that all states regulate installment differently. Here are a few more things to consider before applying for a Breaux Bridge, Louisiana (LA) installment loan.
Just like payday or title loans, quick installment loans are pretty popular in Breaux Bridge, Louisiana (LA). Although opinions regarding fast loans vary, it's hard to find a better way to manage finances. Unexpected purchases, car repairs, medical issues – quick, no credit check loans can help you deal with all these problems in a matter of days or a week.
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By Anton Bitel
Starring Denise Richards and an animatronic dino, Tammy and the T-Rex is one of the decade's campiest curios.
articles Home Ents
Little White Lies was established in 2005 as a bi-monthly print magazine committed to championing great movies and the talented people who make them. Combining cutting-edge design, illustration and journalism, we've been described as being "at the vanguard of the independent publishing movement." Our reviews feature a unique tripartite ranking system that captures the different aspects of the movie-going experience. We believe in Truth & Movies.


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Record Group 31 - Records of the Federal Housing Administration
Number of Textual Scans online
The progress bar provides an estimate of the percentage of textual pages in this Record Group that are available online. Some Record Groups contain only one format while others include multiple formats.
About the Record Group Explorer Numbers
The Record Group Explorer data visualization is based on a count of the scans of textual pages available through the National Archives Catalog and an estimate of the total number of textual pages currently in NARA's holdings. Numbers will be updated monthly to reflect new additions to the Catalog and future iterations of the Explorer will provide additional data on records types other than textual records.
How Record Group Explorer Numbers are Calculated
The number of scans online uses file counts accessed via the National Archives Catalog API.
The estimated total pages in each Record Group is calculated by taking the volume of textual records (in cubic feet) and multiplying by an average of 2,500 pages of records per cubic foot. The 2,500 page average coming from historical capacity estimates for the standard (Hollinger) box used to preserve and store archival documents.
The percent of scanned textual pages online equals scans online / estimated total pages
Browse Our Records
Map and Charts
Video and Audio
Our work isn't finished yet. We have more digitizing to do.
In the meantime, explore descriptions of our records. These records, though not yet digitized, are available at National Archives locations.
Become a Citizen Archivist3>


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Would you like to try decorating your desktop with Aishwarya Rai Vogue India wallpaper? If you like
this picture, choose the desired format and start the installation.
You will be surprised how quickly the installation goes, and the background adapts perfectly to your
screen. If you want to update the desktop wallpaper Aishwarya Rai Vogue India, return to the
collection – there are still many real pearls in it!


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KimberlyJoy video. All videos (12)
KimberlyJoy webcamThere's more to me than meets the eye, more than a body to die for: a genuine pleasant personality with a secrets revealed only to the right one. My eyes are the window to my soul, and there is so much to explore there: from the comforting empathy that they can offer, to a myriad of fantasies we can enjoy ranging from romantic moonlight encounters to secret fantasies that instantly turn you on