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It is cruelly ironic, but the massive law that was enacted to solve the problem of the uninsured in America is more likely to worsen it. This would be true even if the program is perfectly implemented and all the provisions come online on time and within budget.
How could this be? It is a multistep process. Stay with me for a second.
The more things change, The more they stay the same.
First, the simplest and most direct form of expanding coverage — Medicaid expansion — is likely to have very little effect. I'm not talking here of the states that refuse to do it after the Supreme Court made it optional, but of the entire program.
Remember that one-third of the uninsured have always been eligible for Medicaid and/or SCHIP coverage but don't bother to sign up. Actually, it is worse than that. A few years ago, William Sommers wrote in Health Affairs that one-third of all uninsured children had been enrolled in Medicaid or SCHIP within the previous year but their parents found so little of value that they didn't bother to re-enroll them.
Nothing about ObamaCare's Medicaid expansion is likely to change this dynamic. Yes, there will be more advertising, and yes a larger number of people will be eligible, but quite of a few of those newly eligible people are already getting coverage on the job, so any expansion of enrollment is likely to be a crowd-out of private insurance. One of ObamaCare's architects, Jonathan Gruber, has done extensive research on this subject and concluded that as much as 60% of the enrollment in expanded public programs is from people who had been privately insured. No doubt this effect grows bigger the higher up the income scale you go.
By the way, a recent example of this crowd-out phenomenon is revealed in a new study by the Robert Wood Johnson-funded State Health Access Data Assistance Center (SHADAC). Much has been made of the numbers of adult "children" covered under ObamaCare's mandate allowing people up to age 26 to stay on their parent's policies. This study shows that the number of such people covered as dependents on employer plans rose from 30.2% of the population group in 2009 to 36.5% in 2011. Sounds like a great success until you realize that the percentage of that age group that had employer coverage in their own names dropped from 21.8% in 2009 to 16.5% in 2011. So, virtually all of the people now covered as dependents were previously covered on their own.
Less studied is the stark reality that many of the people who might be eligible for Medicaid are simply too dysfunctional to enroll. They might be functionally illiterate, drug addicted, mentally ill, outlaws, or in the underground economy and not want to bring attention to themselves. They can't understand an insurance contract or make and keep appointments for services, but they know where the doctors are 24/7 — the hospital emergency department. When these people have a health problem they don't need insurance coverage. They need direct care.
Here is where the Supreme Court decision made a very big difference. It said there is nothing illegal about not enrolling in coverage; it simply exposes you to a tax. This removes many of the tools state and local government might have used to compel enrollment. All manner of government services might have been denied to people who do not have proof of insurance — school admission, public housing eligibility, fishing licenses, food stamps, job training, day care — all might have been denied to lawbreakers. But the Supreme Court shut down that possibility. So for low-income people there will be as little compulsion under ObamaCare as there was before and people will continue to behave as they always have.
We can't calculate what the net effect of all this will be. At best Medicaid expansion will have only modest impact on reducing the numbers of uninsured. But it is equally likely to have no effect at all.
Employment-Based Coverage
Next up is the mind-boggling assumption that employers will continue to provide coverage as they have in the past. No one actually believes this.
In fact, employers have been dropping coverage for at least the past ten years. There is no reason to think this will not continue and may dramatically accelerate under ObamaCare.
The study by the State Health Access Data Assistance Center (SHADAC) cited above finds that the nonelderly population with employer-sponsored coverage decreased from 69.7% of the population in 1999/2000 to 59.2% in 2010/2011. This is because fewer employers offer coverage, and of those that do, fewer employees accept the coverage that is offered. The drop-off is particularly acute for smaller firms with fewer than 50 employees. Only 37.5% of these companies now offer coverage, down from 47.2% ten years earlier.
Once ObamaCare kicks in, many more employers will drop coverage. The only dispute is over how many.
Two years ago the well-respected McKinsey Company conducted a survey of employers and found that 30% said they will "definitely or probably" drop their coverage. The survey was criticized by Obama's supporters because it wasn't an economic analysis. Odd, since the same folks seem to live or die according to survey results that are far less rigorous. Avik Roy noted in Forbes that the actual results were even worse than it seemed at first blush. He wrote that the more respondents knew about the law and the more directly involved they were in decision-making, the more likely they were to want to drop their coverage −
…primary decision makers were significantly more likely to drop employee health benefits: 36.5% of primary decision makers said they "definitely or probably" would drop benefits, compared to 22.4% of those who simply had some influence over the decision.
More recently, Douglas Holtz-Eakin, former CBO Director and currently with the American Action Forum, published a study with the economic features the McKinsey critics apparently prefer. He estimated that 35 million American workers will lose their coverage. He assumes most of these will go to the exchanges for subsidized coverage (more on this below), costing the federal treasury an additional $1.4 trillion over ten years.
The Congressional Budget Office is more constrained, but even they have upped their estimate of the number of workers losing coverage from a mere 3 million a few years ago to 7 million just last month.
The CBO number is almost certainly a gross under-estimate. CBO's ability to predict the future has long been constrained by two things:
- It is required to assume that current law will be in effect in the future. So, for example, its budget predictions always assume that the SGR cuts in physician payments will actually occur. But that never happens, so the predictions are never accurate.
- It tends to use "static scoring," which means it assumes that current behavior will be unchanged by new incentives. In this case it issued a 30-page justification for its estimate. As an example, part of that report said −
The fact that many firms currently offer health insurance coverage to their workers despite the high cost of premiums and rapid growth in those premiums for many years shows that many firms continue to find health insurance coverage to be a worthwhile element of their compensation packages. If firms could have attracted employees more cheaply by dropping health benefits and adding wages or other benefits that cost less, then they would have done so.
Good grief! This is about as shallow as you can get. Firms have been offering coverage despite the high cost because there has been no viable alternative, and they feel an obligation to ensure their workers can get coverage. The whole point of ObamaCare is to provide an alternative! Companies will now feel free to drop coverage in the belief that workers will now be able to get good coverage through the exchanges.
On top of actually dropping coverage, no one is estimating the effects of employers who convert full-time workers to part time, reduce the size of the workforce to stay under the mandate, out-source jobs to other companies or even other countries, or enter employee-sharing arrangements with other companies. There is no data for these developments (so they are invisible to policy researchers) but local daily newspapers are awash in stories about companies doing exactly this.
Whether it is McKinsey's 50 million or so, Holtz-Eakin's 35 million, or CBO's 7 million, there is no denying that some large number of workers will no longer have employer-based coverage and will be left to their own devices.
Why should this be the least bit surprising? Kaiser Family Foundation's 2012 employer benefits survey found that on average employer coverage costs $15,745 per family, of which the employer pays $11,429 (for single coverage it is $5,615, with the employer paying $4,664.) Holtz-Eakin finds that the federal subsidy for a $15,000 plan in the exchange will range from $14,176 for people with incomes of 133% to $2,935 for people with incomes at 400% of poverty ($94,800 for a family of four). For all income groups below 250% of poverty ($59,000), the federal subsidy is far greater than the employer subsidy is.
Employers will be doing their workers a favor if they stop offering coverage, pay the $2,000 fine, and send workers into the exchanges. This is especially true if the company pays out the savings in the form of higher wages. Holtz-Eakin doesn't even consider the enormous savings for the company if they no longer have to pay the Human Resources cost of finding and negotiating coverage, enrolling workers, explaining the coverage, answering questions, and intervening when there is a problem with a claim. Any CFO worthy of the title would take that trade in a heartbeat.
The Exchanges
So, the Medicaid expansion will make very little difference and some 35 million (perhaps more) people will lose their employment-based coverage. What is left to pick up the pieces? The much-vaunted "health insurance exchanges" (now referred to as "marketplaces" by the federal government). How will that work out?
Never mind for now the implementation problems (which are massive). Let's assume for the moment that they work as planned — they are up and running by October of this year, the hundreds of thousands of newly hired navigators" are competent and well-trained, plenty of insurance companies are participating, and the data-sharing arrangements between employers, state Medicaid programs, and the IRS all work flawlessly. With all of this behind us, what do we have?
Well, first we have the underlying assumption that people really want to have insurance coverage. That is the whole point of this exercise, after all — there are so many uninsured, not because they don't want it, but because they are deprived of it for one reason or another. One might think somebody would have tested that premise before enacting this boondoggle.
Oops! Three years after enactment, CMS decided to finally ask the question: just who are these poor wretched uninsured people and what are they looking for?
Turns out 92% of them can be divided into three segments:
- The biggest cluster (47.8% of all the uninsured) are "healthy and young." They are not much motivated to enroll and they take their health for granted.
- The next largest group (28.9%) are "sick, active and worried." These tend to be older and are pretty good candidates for coverage.
- Finally we have the "passive and unengaged" group (15.3%). I've tried to bring some attention to this population (see here). These folks tend to be older and have poor literacy skills.
All of these groups say cost is the main reason they are uninsured, but I expect that is just a throw away excuse. I doubt many of them have the slightest idea what insurance costs. They aren't interested enough to even look into it.
At best, two-thirds of these people will be hard to reach and even harder to sell (as any insurance agent could have told you years ago.) They are uninsured, not because they are deprived, but because they do not see value in it. The time to do this research would have been before passing the law, not afterwards. That way the law could have been tailored to meet their needs, instead of assuming they will comply with whatever Nancy Pelosi crams down their throats. So out of the 50 million or so currently uninsured we might get 15 million who sign up for coverage.
But what about the newly uninsured, whose employers no longer will offer coverage? Most of these people have been passive recipients of whatever coverage their employers offered. They never had to do anything to secure coverage. We have written about this population before.
For the most part they are very much like their uninsured brethren except they happened to have a job that provided coverage. Once again, one-third may be motivated enough to seek coverage on the exchange, the rest won't bother, knowing they can always get coverage later on when they need it. Meanwhile, they can save a whole lot of money that would otherwise go the premiums. So, out of 35 million newly uninsured possibly 12 million will get coverage on the exchanges.
But what about the mandate? Won't that persuade people to get coverage even if they don't particularly want it? Hardly. The mandate literally has no teeth. The only enforcement mechanism available to the IRS is to confiscate income tax refunds. The vast majority of the uninsured are lower-income (so they pay no federal taxes) and the rest can easily adjust their withholding at the start of the year to avoid sending excess money to the Treasury. No refund = no penalty.
So what are we left with? Medicaid expansion that will enroll few people and most of those will be people who were previously covered (crowd-out). Of the 50 million currently uninsured, possibly 15 million will get new coverage. But these will be offset by the 23 million who lose their employer coverage and don't bother signing up for exchange coverage. Net result — 8 million more uninsured than before ObamaCare was enacted.
[First published at John Goodman's Health Policy Blog]


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Detailed reviews of science apps for iOS devices, and how to use these tools for learning and doing science. Apps for astronomy, biology, biochemistry, chemistry, mathematics, physics, elementary science and more. This is an independent site and all views are the opinion of the author. No association with any of the reviewed products exists or is claimed. What's New: We have added a search box to find content on this site. Also you can sign up for email alerts to new posts below.
Monday, June 20, 2011
Equation editor for iPad - MathBot
Pages is a nice word processor and page layout program, but one major omission is an equation editor. On the Mac scientists and mathematicians usually use either MathType, or write the entire document in LaTeX using TeXShop. Unfortunately MathType is not available for the iPad.
In this column I will show you how to place high quality mathematical equations into Pages (or Keynote) on the iPad using the MathBot app. While MathBot is free, you will need to purchase the $4.99 in-app upgrade to remove the watermark and to activate all necessary export options.
So what exactly is MathBot? It takes expressions in LaTeX, renders them into beautifully typeset equations, and then allows export as high quality scaleable PNG images into Pages, Keynote or indeed any other app that accepts images. This works best on the iPad, although MathBot will work on any iPad, iPhone or iPod Touch running iOS 4.0 or higher. I have only tried it on an iPad 2 for this review. This figure shows a MathBot generated equation pasted into a Pages document on an iPad.
LaTeX is a math typesetting markup language developed by Lesley Lampert in the 1980's. It grew out of the TeX typesetting markup system developed by Donald E. Knuth in 1977. LaTeX is the preferred way to create high quality math rich materials and many journals in the sciences require authors to provide LaTeX copies of papers. A lengthy introduction to LaTeX is available here. MathBot is not a full LaTeX typesetting system but only handles equations.
LaTeX is a markup language. For example "x^2" is how we write superscripts. Greek letters and special symbols are written with the special lead character \ followed by the name e.g. "\alpha". Curly brackets are nonprinting characters used to keep expressions together e.g. "{x+3}\over{2\pi}". Those used to WYSIWYG equation editors will at first find LaTeX slow and awkward, but it does become more natural with use, and it produces elegant output. There are various online introductions to LaTeX and listings of commands.
MathBot makes the writing of LaTeX somewhat easier through extra keyboard symbols for the most often used characters and expressions, grouped in logical ways. I show below a screen capture for MathBot. The top portion is the rendered equation (rendering is done automatically and it will update as you add to the equation markup expression).The middle portion is the corresponding LaTeX markup code. You can directly enter code from the normal iPad keyboard, but it is much easier to use the special extra line of characters which are the top line in the bottom panel. Just below that line is a series of buttons for different categories. For example one has all the Greek symbols.
You can edit the markup contents of the middle panel in all the normal ways such as copy and paste. If you hold down over a letter it will bring up the magnified view to allow precise positioning. MathBot comes with several example equations. Those learning LaTeX will find it helpful to use these as starting points.
To enter a new equation you first press the bookmark symbol at the top left, and then select Add New Equation at the bottom. You can attach name labels to each equation, and frequently used equations can be stored.
When your equation is ready for export to Pages (or other applications) you select the output button near the top right, and then Export Equation. It will present several options, including email and placing an image in your photo collection, but I prefer to use the pasteboard copy and paste process. Once you have pasted it in Pages (or other applications) you can then scale the equation (by default it will come out large and then you scale it down). I have found that the quality is excellent even after reasonable scaling. One slight irritation in the copy and paste process is that MathBot only works in portrait mode, so if your other application prefers landscape, you are constantly turning your iPad around.
Both Pages and Keynote support applying styles to the pasted equations, and this can be used to in one click provide nice features like boxes of various types around the inserted equations, or as shown below background shading.
MathBot is created by a small software company wiApps, based in Germany. They have a Mac app as well as several iOS apps. For those who want a complete LaTeX environment (for writing LaTeX entire documents and not just equations), they should consider TeX Touch. TeX Touch uses a unique approach of editing on the iPad, sending the code through Dropbox to your Mac where it is compiled and the pdf sent back to your Mac via Dropbox. The limitation on executable code on iOS devices require such an approach. I may review TeX Touch in some future posting.
I hope that at some point Pages will include a built-in equation editor. Until then, your best option is MathBot. Those who already know LaTeX will find it an easy transition, and will appreciate that they can paste in, or copy out, LaTeX code for equations. I found that the scaling of equations in Pages maintained high quality equations after appropriate scaling. There will be a learning curve for those who have not used LaTeX before, and I recommend starting with one of the many internet guides on LaTeX. The line of LaTeX symbols on the extended keyboard will ease the learning curve somewhat. I wish that the app supported landscape mode, as I like to work on Pages exclusively in landscape using the stand on my iPad case, and it is awkward having to turn the iPad as you go between modes as you develop and paste equations. My overall rating of MathBot is a 7 (out of 10).
8 comments:
- AnonymousOctober 5, 2011 at 9:44 PM
For those that want something closer to MathType, there's a new app out called "EQ Editor" that lets you set math using a graphical interface (i.e. no TeX) and export it as PNG or MathML. The link for that is here: http://itunes.apple.com/us/app/eq-editor/id468981237
ReplyDelete Important note: An update to MathBot published in mid February 2012 has "broken" the app so it won't even launch from at least some hardware (including an iPad 2 with the most recent iOS). Do not download or update until the developer has fixed this. I have contacted the app developer, apparently a fix has been submitted, but not yet available, on the app store.
ReplyDeleteAnother iPad app for science students and tutors is iVerbTeX which let's you create LaTeX projects and generate a PDF from your LaTeX code (by using the web service available at http://www.verbosus.com).
It supports additional features like file upload (e.g. images, packages, etc.), project import/export, etc.In addition to the apps listed here there exist apps like iVerbTeX that let you manage and create whole LaTeX projects and integrate the generated equations (as images for example) to the resulting PDF.
For more details see: https://itunes.apple.com/us/app/iverbtex-latex-editor/id560869163?mt=8Cymbol is the simplest one for students on the iPad to both input chemistry formula's and physics stuff with isotopes. It also lets you tweet those formula's out as a teacher that could add some interesting flavor perhaps.
MathBot is good too, but more complex overall. It differs from Cymbol on the iPad that it creates an image file of the formula versus encoding in the information as extended character sets.
Also Cymbol facilitates poly-valent molecules, with superscript plus and minus sign as well as it is very easy/quick/lightweight as to storage on your iPad device.
Mathbot is probably nicer for fancier presentations, but his more complex and oriented towards a collegiate or perhaps AP level situation where the tool becomes even more a part of the learning versus the subject matter.
Cymbol for iPad on the iTunes App Store
TeX is cool, and these comparisons Robert, you can expand upon in a better narrative on this blog in the future.Hi John Read is here, working in an ipad applications development... Highly informative post... good work

subset: commoncrawl


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A dog was allegedly used as a drug mule to traffic more than $1 million worth of heroin to New York, the Queens District Attorney said Monday.
The Avi Labrador mix had been shipped along the same route as many rescue dogs have been for years — and that has at least one major dog rescue organization, which is not at all involved in the drug crimes, concerned that this major bust will affect its legitimate, humane effort to save dogs' lives.
The dog had been shipped from Puerto Rico to Kennedy Airport, where authorities discovered the stash hidden in the false bottom of the animal's crate.
Samuel Seabrooks, 35, of the Bronx, and Carlos Betancourt-Morales, 27, of Carmel, New York, were arraigned Sunday for their alleged roles in the scheme.
They're charged with first-degree criminal possession of a controlled substance and second-degree conspiracy. A judge set their bond at $500,000 each, or $250,000 cash bail each.
Prosecutors said that the suspects met at an IHOP in the Bronx last Friday, then left in separate cars to JFK. They had a brief conversation at the airport's American Airlines Priority Parcel Services area, then Betancourt-Morales walked into the cargo building and signed for a crate holding the dog.
He was pushing the crate on a rolling cart toward the exit when he was stopped by police.
The next day, officers executed a search warrant on the crate and found 10 bricks — 4 inches wide and 6 inches long — packed with heroin and stamped with the Nike Swoosh symbol and a five-pointed star, prosecutors said.
In all, the crate's false bottom was carrying 10 kilograms of heroin, or about 22 pounds — worth more than $1 million in street value.
Founder of the Sato Project, a dog rescue organization, said she is "shocked and angry" that this happened.
"[Whoever put the drugs in a canine carrier] not only placed an innocent animal in great danger, but by associating rescuing with criminal activity, it undermines the incredibly hard work that The Sato Project and other organizations have put in to developing their rescue programs and to saving thousands of dogs' lives," Chrissy Beckles said.
"We hope that this terrible abuse of the good will and trust established by rescue organizations will not make it harder for us and other organizations to continue our lifesaving work of rescuing hundreds and thousands of dogs every year from a life of suffering and abuse on the streets and beaches of Puerto Rico, and finding them loving homes with families in the U.S."
Beckles founded the Brooklyn-based charity that rescues up to 400 dogs per year from an animal-dumping beach in Puerto Rico, cleans them, vaccinates them and ships them to the U.S. for adoption, via JFK Airport.
"As an organization, I know what it's like to get clearance with the airlines, and it was quite a difficult process," she said.
Her organization, the Sato Project, was not involved in or affected by the crime, but it is concerned that this case could impede the charity's efforts to protect and help dogs in Puerto Rico.
The Sato Project is also concerned that the alleged crime will make it more challenging for it to find safe homes in the mainland U.S. for dogs, even though the organization is not at all connected to the drug trafficking arrests and its record remains unblemished.
The transport container in which the dog was shipped is not one belonging to the Sato Project. Still, with the drug smuggling operation having used a very similar route and method as their organization, the Sato Project's founder and its rescue coordinator are both concerned that an act of crime may make their mission to do good for dogs in need more challenging.
"It takes a lot in order to get [a dog] approved to even get on a plane," said Samantha Gurrie, who helped to organize some 1,500 dog rescues as the Sato Project's coordinator. "We're kind of at a loss that this even happened in the first place."
If convicted, both suspects face up to 20 years in prison, according to Queens District Attorney Richard Brown.
Their alleged trafficking of heroin was derided as a deadly contribution to the heroin epidemic gripping the five boroughs.
"Statistics show that, unfortunately, heroin has made a comeback in New York City and its surrounding suburbs, with fatal overdoses outpacing homicides," Brown said in a statement.


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Workday Appoints Patrick Blair to President of the Americas
Seasoned Executive to Support Company's Growing Momentum on the Path to $10 Billion in Revenue
PLEASANTON, Calif., Feb. 3, 2022 /PRNewswire/ — Workday, Inc. (NASDAQ: WDAY), a leader in enterprise cloud applications for finance and human resources, today announced continued investment in leadership with the appointment of Patrick Blair to president of the Americas. Patrick will report into Workday Co-President Doug Robinson, who oversees the company's global sales efforts.
In this role, Patrick will lead Workday's North America sales efforts, which includes a continued focus on expanding the company's footprint with the Fortune 500 and increased adoption of Workday's full suite of products across finance, HR, planning, spend management, and analytics. Patrick has more than 25 years of enterprise software and sales experience, having most recently served as president of CRM at C3 AI. He has also held sales leadership positions at several other technology companies including Palo Alto Networks and Salesforce.com.
Comments on the News
"Patrick's experience and values-based approach to building teams and helping organizations understand the importance of investing in the right technologies will be pivotal in supporting our growth efforts," said Doug Robinson, co-president, Workday. "We have a great opportunity in front of us and I am confident that Patrick's leadership will help extend the value we bring to some of the world's largest organizations."
"Having worked in the enterprise software industry throughout the years, I've seen first hand the value cloud pioneers like Workday can bring to organizations, especially in a time of so much change," said Patrick Blair, president of the Americas, Workday. "I've long admired Workday's approach to innovation and customer engagement – always putting its values, including integrity, front and center in driving its business forward. I look forward to continuing to build on the team's great efforts and finding more ways to expand our opportunity."
About Workday
Workday is a leading provider of enterprise cloud applications for finance and human resources, helping customers adapt and thrive in a changing world. Workday applications for financial management, human resources, planning, spend management, and analytics have been adopted by thousands of organizations around the world and across industries — from medium-sized businesses to more than 50% of the Fortune 500. For more information about Workday, visit workday.com.
Forward Looking Statements
This press release contains forward-looking statements including, among other things, statements regarding Workday's plans, beliefs, and expectations. These forward-looking statements are based only on currently available information and our current beliefs, expectations, and assumptions. Because forward-looking statements relate to the future, they are subject to inherent risks, uncertainties, assumptions, and changes in circumstances that are difficult to predict and many of which are outside of our control. If the risks materialize, assumptions prove incorrect, or we experience unexpected changes in circumstances, actual results could differ materially from the results implied by these forward-looking statements, and therefore you should not rely on any forward-looking statements. Risks include, but are not limited to, risks described in our filings with the Securities and Exchange Commission ("SEC"), including our Form 10-Q for the fiscal quarter ended October 31, 2021, and our future reports that we may file with the SEC from time to time, which could cause actual results to vary from expectations. Workday assumes no obligation to, and does not currently intend to, update any such forward-looking statements after the date of this release.
Any unreleased services, features, or functions referenced in this document, our website, or other press releases or public statements that are not currently available are subject to change at Workday's discretion and may not be delivered as planned or at all. Customers who purchase Workday services should make their purchase decisions based upon services, features, and functions that are currently available.
© 2022. Workday, Inc. All rights reserved. Workday and the Workday logo are registered trademarks of Workday, Inc. All other brand and product names are trademarks or registered trademarks of their respective holders.
SOURCE Workday Inc.


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Young Cancer Patient Has Heartwarming Meeting With His Wrestling Hero
Professional wrestlers may seem like tough guys, but underneath their shiny spandex outfits and long, flowing hair (clearly a sign of ultimate masculinity), they have hearts of gold. Daniel Bryan, for example, recently met with a seven-year-old boy who has had brain cancer for almost four years, and says he's Bryan's biggest fan. It's okay if you need to go grab some Kleenex before you look at the pictures.
Connor Michalek (who is undoubtedly the cutest person in the world to go by the name "Stone Crusher") posted a video on YouTube asking his favorite wrestler Daniel Bryan if he would meet him. Thanks to social media (including the video and a widely shared event on Facebook), little Connor's dreams came true on Tuesday. Not only did he get to meet Bryan, he got to put Bryan in his trademark "no-lock hold."
It almost makes us want to watch professional wrestling. Look how cute!


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We Brit Insurance Services USA, Inc. d/b/a Brit Global Specialty USA, are a service company that is part of the Brit Global Specialty group of companies. We are regulated by state departments of insurance in our capacity as a Managing General Agent. We have authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's syndicates 2987 and 2988 which are managed by Brit Syndicates Limited. This material is intended to provide general information about Brit Insurance's products and services. It is neither an offer to sell nor a solicitation to purchase any specific insurance product. Coverage may not be available in all US jurisdictions and are subject to legal and underwriting requirements. Any availability is on a surplus lines basis only through duly licensed producers. Inquiries about the products and services described herein should be directed to producers duly licensed in the relevant US jurisdiction.


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Lore:A Dance in Fire, Chapter 1
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This book had a companion image on the official Elder Scrolls website, archived here.
- Scene: The Imperial City, Cyrodiil
- Date: 7 Frost Fall, 3E 397
It seemed as if the palace had always housed the Atrius Building Commission, the company of clerks and estate agents who authored and notarized nearly every construction of any note in the Empire. It had stood for two hundred and fifty years, since the reign of the Emperor Magnus, a plain-fronted and austere hall on a minor but respectable plaza in the Imperial City. Energetic and ambitious middle-class lads and ladies worked there, as well as complacent middle-aged ones like Decumus Scotti. No one could imagine a world without the Commission, least of all Scotti. To be accurate, he could not imagine a world without himself in the Commission.
"Lord Atrius is perfectly aware of your contributions," said the managing clerk, closing the shutter that demarcated Scotti's office behind him. "But you know that things have been difficult."
"Yes," said Scotti, stiffly.
"Lord Vanech's men have been giving us a lot of competition lately, and we must be more efficient if we are to survive. Unfortunately, that means releasing some of our historically best but presently underachieving senior clerks."
"I understand. Can't be helped."
"I'm glad that you understand," smiled the managing clerk, smiling thinly and withdrawing. "Please have your room cleared immediately."
Scotti began the task of organizing all his work to pass on to his successor. It would probably be young Imbrallius who would take most of it on, which was as it should be, he considered philosophically. The lad knew how to find business. Scotti wondered idly what the fellow would do with the contracts for the new statue of St Alessia for which the Temple of the One had applied. Probably invent a clerical error, blame it on his old predecessor Decumus Scotti, and require an additional cost to rectify.
"I have correspondence for Decumus Scotti of the Atrius Building Commission."
Scotti looked up. A fat-faced courier had entered his office and was thrusting forth a sealed scroll. He handed the boy a gold piece, and opened it up. By the poor penmanship, atrocious spelling and grammar, and overall unprofessional tone, it was manifestly evident who the writer was. Liodes Jurus, a fellow clerk some years before, who had left the Commission after being accused of unethical business practices.
- "Dear Sckotti,
- I emagine you alway wondered what happened to me, and the last plase you would have expected to find me is out in the woods. But thats exactly where I am. Ha ha. If your'e smart and want to make lot of extra gold for Lord Atrius (and yourself, ha ha), youll come down to Vallinwood too. If you have'nt or have been following the politics hear lately, you may or may not know that ther's bin a war between the Boshmer and there neighbors Elswere over the past two years. Things have only just calm down, and ther's a lot that needs to be rebuilt.
- Now Ive got more business than I can handel, but I need somone with some clout, someone representing a respected agencie to get the quill in the ink. That somone is you, my fiend. Come & meat me at the M'ther Paskos Tavern in Falinnesti, Vallinwood. Ill be here 2 weeks and you wont be sorrie.
- -- Jurus
- P.S.: Bring a wagenload of timber if you can."
"What do you have there, Scotti?" asked a voice.
Scotti started. It was Imbrallius, his damnably handsome face peeking through the shutters, smiling in that way that melted the hearts of the stingiest of patrons and the roughest of stonemasons. Scotti shoved the letter in his jacket pocket.
"Personal correspondence," he sniffed. "I'll be cleared up here in a just a moment."
"I don't want to hurry you," said Imbrallius, grabbing a few sheets of blank contracts from Scotti's desk. "I've just gone through a stack, and the junior scribes [sic] hands are all cramping up, so I thought you wouldn't miss a few."
The lad vanished. Scotti retrieved the letter and read it again. He thought about his life, something he rarely did. It seemed a sea of gray with a black insurmountable wall looming. There was only one narrow passage he could see in that wall. Quickly, before he had a moment to reconsider it, he grabbed a dozen of the blank contracts with the shimmering gold leaf ATRIUS BUILDING COMMISSION BY APPOINTMENT OF HIS IMPERIAL MAJESTY and hid them in the satchel with his personal effects.
The next day he began his adventure with a giddy lack of hesitation. He arranged for a seat in a caravan bound for Valenwood, the single escorted conveyance to the southeast leaving the Imperial City that week. He had scarcely hours to pack, but he remembered to purchase a wagonload of timber.
"It will be extra gold to pay for a horse to pull that," frowned the convoy head.
"So I anticipated," smiled Scotti with his best Imbrallius grin.
Ten wagons in all set off that afternoon through the familiar Cyrodilic countryside. Past fields of wildflowers, gently rolling woodlands, friendly hamlets. The clop of the horses' hooves against the sound stone road reminded Scotti that the Atrius Building Commission constructed it. Five of the eighteen necessary contracts for its completion were drafted by his own hand.
"Very smart of you to bring that wood along," said a gray-whiskered Breton man next to him on his wagon. "You must be in Commerce."
"Of a sort," said Scotti, in a way he hoped was mysterious, before introducing himself: "Decumus Scotti."
"Gryf Mallon," said the man. "I'm a poet, actually a translator of old Bosmer literature. I was researching some newly discovered tracts of the Mnoriad Pley Bar two years ago when the war broke out and I had to leave. You are no doubt familiar with the Mnoriad, if you're aware of the Green Pact."
Scotti thought the man might be speaking perfect gibberish, but he nodded his head.
"Naturally, I don't pretend that the Mnoriad is as renowned as the Meh Ayleidion, or as ancient as the Dansir Gol, but I think it has a remarkable significance to understanding the nature of the merelithic Bosmer mind. The origin of the Wood Elf aversion to cutting their own wood or eating any plant material at all, yet paradoxically their willingness to import plantstuff from other cultures, I feel can be linked to a passage in the Mnoriad," Mallon shuffled through some of his papers, searching for the appropriate text.
To Scotti's vast relief, the carriage soon stopped to camp for the night. They were high on a bluff over a gray stream, and before them was the great valley of Valenwood. Only the cry of seabirds declared the presence of the ocean to the bay to the west: here the timber was so tall and wide, twisting around itself like an impossible knot begun eons ago, to be impenetrable. A few more modest trees, only fifty feet to the lowest branches, stood on the cliff at the edge of camp. The sight was so alien to Scotti and he found himself so anxious about the proposition of entering the wilderness that he could not imagine sleeping.
Fortunately, Mallon had supposed he had found another academic with a passion for the riddles of ancient cultures. Long into the night, he recited Bosmer verse in the original and in his own translation, sobbing and bellowing and whispering wherever appropriate. Gradually, Scotti began to feel drowsy, but a sudden crack of wood snapping made him sit straight up.
"What was that?"
Mallon smiled: "I like it too. 'Convocation in the malignity of the moonless speculum, a dance of fire --'"
"There are some enormous birds up in the trees moving around," whispered Scotti, pointing in the direction of the dark shapes above.
"I wouldn't worry about that," said Mallon, irritated with his audience. "Now listen to how the poet characterizes Herma-Mora's invocation in the eighteenth stanza of the fourth book."
The dark shapes in the trees were some of them perched like birds, others slithered like snakes, and still others stood up straight like men. As Mallon recited his verse, Scotti watched the figures softly leap from branch to branch, half-gliding across impossible distances for anything without wings. They gathered in groups and then reorganized until they had spread to every tree around the camp. Suddenly they plummeted from the heights.
"Mara!" cried Scotti. "They're falling like rain!"
"Probably seed pods," Mallon shrugged, not turning around. "Some of the trees have remarkable --"
The camp erupted into chaos. Fires burst out in the wagons, the horses wailed from mortal blows, casks of wine, fresh water, and liquor gushed their contents to the ground. A nimble shadow dashed past Scotti and Mallon, gathering sacks of grain and gold with impossible agility and grace. Scotti had only one glance at it, lit up by a sudden nearby burst of flame. It was a sleek creature with pointed ears, wide yellow eyes, mottled pied fur and a tail like a whip.
"Werewolf," he whimpered, shrinking back.
"Cathay-raht," groaned Mallon. "Much worse. Khajiti cousins or some such thing, come to plunder."
"Are you sure?"
As quickly as they struck, the creatures retreated, diving off the bluff before the battlemage and knight, the caravan's escorts, had fully opened their eyes. Mallon and Scotti ran to the precipice and saw a hundred feet below the tiny figures dash out of the water, shake themselves, and disappear into the wood.
"Werewolves aren't acrobats like that," said Mallon. "They were definitely Cathay-raht. Bastard thieves. Thank Stendarr they didn't realize the value of my notebooks. It wasn't a complete loss."


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Violent protests in eastern Libya have set in motion a movement to take back the nation from dozens of militias born from the revolt against strongman Moammar Gadhafi. Since the dictator's demise, Libya has been beholden to men with guns.
The transitional state is weak, and it depends on the militias to help secure the streets. The state has now promised to integrate the militias into the security forces.
Gunfire rang through the air over the weekend as demonstrators stormed the base of a government-aligned militia. The protesters were emboldened by their raids on the headquarters of three other groups not backed by the government, including the extremist group Ansar al-Sharia. Clashes ensued and demonstrators burst into this last base, looting the weapons and forcing out the brigade.
Now those Islamist fighters of Rafallah al-Sahati are in their homes unsure of their fates. Libya's president announced that all government-aligned militias will now report to the army chief of staff. All other armed groups must disband. Rafallah al-Sahati is sanctioned by the government.
"Without us, there will be no security," says Mohammed Gharabi, the commander of Rafallah al-Sahati. "We've asked the state to take control multiple times, but each time the Libyan government says it can't. There is no army, no police."
A Slow Dissolution
It is a reality that the transitional government acknowledges. The complications of disbanding groups that battled against Gadhafi are immense. Do commanders of brigades now start as lowly soldiers? Are they integrated as groups or individuals?
"The first step is that those brigades that do not recognize the authority of the state are illegitimate," says Saleh Joud, deputy head of national security.
But he says the problem can't be solved overnight. First, military leaders will take control of the brigades, he says, and slowly the fighting groups will be dissolved.
The biggest mistake, he says, is to isolate them and treat them as criminals.
"We do not want to repeat Gadhafi's mistake by exporting them to other countries to fight," Joud says. "They are our sons and they are our responsibility."
In the capital, militias were given 48 hours from Sunday to evacuate government property or be forced out. After Tripoli, the army will move to other cities to do the same.
Security Apparatus A Patchwork
Residents of Libya have struggled to understand which groups are the legitimate authorities. The security apparatus is a patchwork of militias, military and police that all operate independently. In Benghazi, the only people who appear to secure the streets are the militiamen.
Only after mass demonstrations on Friday demanding the dissolution of armed groups did Libya's army appear in the streets. They didn't look much different from the militias; they're a ragtag mix of paramilitary groups and troops that defected from the former regime.
Libyan Army Chief of Staff Yousef Mangoush says the protests are an opportunity for the state to clean house.
"There is no doubt that it's a strong initiative that came from the streets; it's proof that the street wants the establishment of the state. We will take advantage of that to end those militias," Mangoush says.
Even if it appears to be just promises for now, that's enough to reassure many residents here.
Gharabi, the Rafallah al-Sahati commander, says if the people want him and others gone, they will return to their homes.
Even if his pledge is sincere, a more pressing issue remains: Without a strong centralized security apparatus, there is no other viable force to fill the vacuum.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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The behaviour of the EU states towards Greece is inexplicable in the terms in which the EU defines itself. It is, first and foremost, a failure of solidarity.
The "austerity package", as the newspapers like to call it, seeks to impose on Greece terms that no people can accept. Even now the schools are running out of books. There were 40% cuts in the public health budget in 2010 – I can't find the present figure. Greece's EU "partners" are demanding a 32% cut in the minimum wage for those under 25, a 22% cut for the over 25s. Already unemployment for 15-24-year-olds is 48% – it will have risen considerably since then. Overall unemployment has increased to over 20%. The sacking of public sector workers will add to it. The recession predicted to follow the imposition of the package will cause unbearable levels of unemployment at every level.
In addition the "package" demands cuts to pensions and public service pay, wholesale privatisation of state assets – a fire-sale, since the global market is close to rock bottom – and cuts to public services including health, social welfare and education. The whole to be supervised by people other than the Greeks. An entire disciplinary and punishment system.
When we casually use a term like "bailout", it is important to remember that it is not people who are being bailed out, or at least not the Greek people. The bailout will not save a single Greek life. The opposite is the case. What is being "bailed out" is the global financial system, including the banks, hedge funds and pension funds of the other EU member states, and it is the Greek people who are being ordered to pay – in money, time, physical pain, hopelessness and missed educational opportunities. The relatively neutral, even stoic, term "austerity", is a gross insult to the Greek people. This is not austerity; at best it is callousness.
On top of this callousness, we must remember that the strategy itself is nonsense. Every intelligent observer is agreed that cuts do not produce growth. The highest rate of growth in the EU at present is in Poland where massive public investment is driving the economy. GDP is declining or barely moving among the "austerity" nations, including the UK.
In essence, this crisis is a failure of the EU states to show solidarity in the face of an onslaught from the financial markets. At first glance this seems to be a very simple fight. In one corner you have nation states, which have the wellbeing of their citizens as their raison d'être; in the other you have global capitalism as represented by the financial markets, which has the wealth of a tiny few as its raison d'être. But the nation state has, for a considerable time, identified itself with those same markets. States have agreed to see themselves as economies rather than societies. More recently we have been led to believe that the market alone can provide everything the citizen needs and much more efficiently than the structures that the citizens normally rely on and which they have, over generations, erected as protections against the revenge of the market.
This is the triumph of capitalism, that it has persuaded the world that capitalism is the world.
It has led to the undoing of 200 years of struggle between ordinary people and the super-rich. Trade unions didn't appear overnight, they were a response to exploitation. Their defeat has led to the ubiquity of precarious, and now free, labour. Workers are not protected in their workplace by capitalists, they are protected by the laws won by struggle against the capitalist. A sweatshop in China is a direct assault not just on the rights of the Chinese worker but on those of workers in, for example, the UK. Socialist internationalism and solidarity were conceived as a way of defeating that ploy. Old people do not die in the streets not because charity has saved them but because 200 years of struggle has brought us the old age pension and public health. The privatisation of those services is a return to the 19th century. None of this public good would have been won if people had identified with the super-rich of 1812. Now that we have been brought to such an identification, we stand to lose them all over again.
Now we see capitalism at its most triumphant. Greek police beat Greek people in order to impose the will of the banks and hedge funds. The EU member states, including Ireland, are the middleman, the quislings of capital. Rather than reach out a hand of solidarity, we say, "better them than us". As if the global markets will choose to pass on Ireland once Greece has been destroyed. Solidarity is not just compassion for one's fellow man; it is also materialist self-interest. One for all and all for one. We stand or fall together. There is strength in unity.
Instead we have decided to sacrifice the Greek people to the market in the hope that our sacrifice will appease the gods of speculation. We condemn them to misery and poverty to keep Standard & Poor's off our backs. But we have miscalculated. Firstly, the communist left currently stands at 42% in the polls, Pasok at 8%. Pasok (the leading party in government) will vanish and a combination of real leftwing parties will win the next election. They will not bend the knee and put their necks on our block.
It seems to me now that Greece will withdraw from the euro and default on its debt. Who knows what will happen to it then, but it can hardly be much worse than what we want from them, and at least it will be something of their own choosing. The speculators will then take a little time to consider which of the other economies to bet on. Perhaps then the Irish government will regret its lack of solidarity. Whatever happens, our behaviour and that of our EU compatriots has been shameful.
This article was originally published by Common Dreams and Critical Legal Thinking (Ireland).


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Moose Management in Southwest Montana: Insights From Four Years of Field Research
- Volume 18, No. 1-4, Issue , 2012
- Part of Biological Sciences - Terrestrial
- Authored by Burkholder, Braden O., Boccadori, Vanna J., Garrott, Robert A.
- Abstract • Montana Chapter of the Wildlife Society (TWS) - Presentation Abstract
From 2007-2010, Montana Fish, Wildlife and Parks conducted research on moose ecology on the Mount Haggin Wildlife Management Are...


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Panagia Psychosostria is glorified for her supreme power to save the souls of the faithful and advocate for their redemption.
Our Icon Collection is Exclusive to Miss Ble Blu Made in Greece and our partners. Time and effort is put into making these beautiful icons. All hand crafted, and offer a 3D effect.
The Collection is Designed and Made in Greece. Monogram Atelier icons are unique and distinct. Your original Monogram Atelier icon is made with intent and purpose, the embracement of holy water with an aim to strengthen your faith to the Orthodox Religion.
If this item is on PREORDER it will take approximately 2-3 weeks to deliver. We do our best to ensure the product is sent from Greece As Soon As Possible


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DENVER — A team of researchers is using a new technology to make football helmets safer for players.
"Inside the head form, we have nine accelerometers, so nine sensors, that we're able to capture the accelerations at each impact, so we can evaluate how well our helmet is performing," said Lillian Chatham, one member of the team at Impresio Tech.
In 2018, the team won $50,000 from the NFL after pitching the league an idea about technology that could reduce concussions.
"Really that kicked things off for us. That really accelerated our ability to really tackle this problem, pun intended," said Chris Yakacki, the president of Impessio.
He and his teammates are using 3D printers to manufacture a liner that goes inside the helmet.
"It lays a layer of fine powder, shoots a laser, melts that layer of powder and then lays another layer of powder on top and rinse, wash, repeat all the way up until you have your part," said Richard Wojcik, another member of the Impressio team.
"What really lies behind the science of our material is liquid crystals," said Yakacki.
Liquid crystals, what does that mean exactly? Well, liquid crystals are used every day. They put the LC in LCD. Yakacki and his team are using that technology and embedding it into soft rubbers, which makes them incredibly effective at absorbing impacts.
"So, we have this material that's very soft, very comfortable, can form to your head. But when impacted, all those small molecular crystals will rotate, get rid of the energy and attenuate those accelerations experienced by the wearer," said Yakacki.
It's kind of like a shock absorber on your car, but for your head. That way, if you're playing football and helmets collide, the hope is it can help make sure nothing happens to your brain.
By the way, this machine is smashing footballs at 13 miles per hour. That's the slowest setting. NFL and college players can pretty easily make impacts at that speed.
Impressio will be competing with four others to develop new helmet technology that improves player safety. First prize takes home $1 million, and that might just be the beginning.
"We want to make sure that this technology is really accessible to everyone. Our collegiate players, our youth players, our kids, but then also for those who wear helmets riding their bicycles to work. We want to make sure this can reach to our military services members. It can reach to hockey players. It can reach commuter bicyclist and beyond."
So, whether you're watching NFL games or your kid's Pop Warner game, people like Yakacki and the rest of the Impressio team are doing everything they can to make each helmet crunch a little safer.


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Highly skilled local glaziers are on standby with fully equipped vans containing all the necessary equipment to carry out any glazing service. With our local Express Basingstoke glaziers you know your in safe hands. We have had many recommendations through word of mouth. This is due to our policy of putting customer satisfaction as well as safety, above all else. No payment is taken until the work is completed and you have signed to say you are satisfied! (deposit may be required for parts purchased).
With local glaziers available 24 hours a day, 7 days a week*, our Glaziers have rapid emergency response time for both planned and emergency glazing work. So whether you need an emergency glazier to help repair your broken window or you are thinking about updating the glazing in your home or business, we can provide you with a quick and effective solution.
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Recovery Timeline
Following is a brief timeline of important events regarding recovery from double jaw surgery. If you only had a single jaw operated on, your recovery will be much quicker than this.
Keep in mind that every person recovers at a different pace, and also that every surgeon has their own agenda during the recovery process. This is simply the sequence of important events that took place during my personal recovery.
Day 0 (Surgery)
- You'll be eating/drinking through a syringe
- You'll be unable to sleep very much
- You may be freezing all night long due to the ice packs wrapped around your face
- You'll feel extremely weak
- You won't be able to talk
- You will drool constantly (but you'll have the suction tube in the hospital to take care of that)
- Lots of blood will be churning up inside your nose, mouth and throat
- Your jaw will randomly spasm (and it will be painful)
Day 1
- Swelling will begin
Day 3
- Swelling will peak
- Your bowels will start working again around this time
Day 5
- Feeling will begin to return to parts of your face
- Swelling will start to decrease
Day 7 (1 week)
- You'll be able to move your mouth a bit easier, so your talking will become more understandable
- At your 1-week appointment, you'll be able to brush your teeth, both inside and out (and it will feel amazing)
Day 10
- Drooling won't be as rampant any longer
- You'll regain slight control over your lips
Day 14 (2 weeks)
- Most of the swelling will be gone
- You'll be able to start drinking from a cup (although it may be messy at first)
- You can probably remove a few of the elastics clamping your teeth together, so talking will become infinitely more simple
- Sleeping through the night should no longer be a problem
Day 15
- Your elastics will start snapping daily, due to your rapid increase in speaking
Day 18
- Your breath will become bearable again, due to the fact that you've been eating different foods and brushing more often
Day 21 (3 weeks)
- Your energy will start to come back. Take advantage of it! Go for walks and take your bike out for a spin.
Day 22
- You'll be receiving substantial feeling back in your upper lip and cheeks. Your nose, lower lip and chin, however, will remain completely numb.
Day 28 (4 weeks)
- Talking will hardly be an issue any longer. If you have a splint/bite plate in, you'll sound ridiculous, but people will be able to understand you.
- Your desire to be social and spend time with people will return in full force. Make sure you take advantage of it, and remember that your friends are not judging you.
Day 29
- Feeling will begin to return to your lower lip and chin. That feeling will come in the form of pins and needles, but you'll appreciate it regardless. If no feeling has returned to these parts yet, don't worry. Surgeons say that it make take up to 90 days for feeling to begin coming back.
Day 31 (1 month)
- If your elastics are off, you'll be able to speak quite well by now
- You won't drool or spill any longer while eating
Day 32
- You'll have most of your normal energy back by now
- You'll begin to feel like you're ready to take life on again. Be warned though: you're not quite there yet. Give it another month before you go crazy.
Day 38
- More patches of feeling will return to your chin and lower lip
- You should no longer have to wear elastics during the day
Day 42 (6 weeks)
- You should be able to drink through a straw quite easily by now
Day 45
- Most of your stitches should have dissolved by now
Day 49 (7 weeks)
- If you had a splint in, it should definitely be removed by now
- Be prepared to readjust back into the world of orthodontics
Day 56 (8 weeks)
- You should be able to eat with a small spoon or fork again
- Licking your lips should be no problem at this point
Day 58
- You'll most likely be allowed to blow your nose again. Be gentle, though, because you don't want to pop a blood vessel.
Day 70 (10 weeks)
- If you haven't been able to eat solid food yet, start now. Even if the task of eating involves mashing soft food up against the roof of your mouth, do it anyway. You'll never gain your strength back on liquid alone.
Day 84 (12 weeks)
- You should enjoy the freedom of eating just about anything you want by now
- Consider practising whistling in order to break up the scar tissue that's sure to be keeping your upper lip from enjoying its full range of motion
Day 90 (3 months)
- Your three months have finally come to an end! Enjoy eating, breathing and smiling to their full effect.
- Changes will be fairly slow from this point forward. The results you find yourself with at the 6-month mark will most likely be the results you'll live with for the rest of your life.


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Not just in stock, but viewable online! We know there is so much more to just buying a wholesale motorcycle, gas motor scooter or moped. As a veteran dealer with over 5 years of online shipping experience, we have built our company with a stable foundation. Carrying parts and the ability to find what you need is more important that just the initial sale! With that statement, we naturally will back up our comments with a fully functional, automated and user friendly department just for you, the customer! So, when it's time for your first service and if you ever need anything from a spark plug to a tire. We've got you covered. With over 60,000 parts in stock at the click of a mouse, when you need it, we've got it! You have nothing else to worry about! That is our promise to you! Check out your parts department by clicking here -->
◊ Certified Technicians on Staff
If you ever need assistance, we are here to help you over the phone! Put our certified technician to work. The best part is we have product on hand so we can walk through your technical questions with you over the phone. Want to do your own oil change? Need to change the battery? Try us! This service is for customers. Please have your order ID ready when calling so we can help you. M-F 10-5 PST 877-300-8707 -OR- you can click here to have a technician call you when you are available. - SCHEDULE A CALL - (click to get started or give us a test ride)
◊ Get Ready for Delivery!
The shipping carrier, UPS Freight, Fedex National, SAIA or any other carrier we use will call you 1-2 days before delivery to arrange a "block time" for delivery to ensure you are present for delivery. Please watch your phone and e-mail carefully 5+ days from your order. These mopeds are specially designed and manufactured to be sold online. They have special packaging (minimize shipping damage and missing parts), every bike is tested at the factory (real test ride, not just started) Standard Shipping takes anywhere from 5 to 15 business days depending on your location. We offer other custom shipping methods during checkout. Express shipping, gift receipt and business delivery are also options we offer!
(DOT) Department of Transportation Certified
(EPA) Environmental Protection Agency Approved
A Bill of Sale & Certificate of Origin (Title) Will be Sent by Postal Mail
◊ Additional Information |
Free LIFT-GATE Service. (others ship to local warehouse)
- Free Technical Support 877-300-8707 on all products purchased from our website.
- Parts shipped in 5-15 business days.
- Unit must be assembled - please read the purchaser responsibility below........
◊ Purchaser Responsibility |
Please remember that by purchasing a moped online, you are responsible for performing the setup that a dealer would normally perform - such as checking the tires, hooking up the battery, checking tightness of all nuts and bolts, changing oil, etc. Although we provide some very good information and assembly manuals; occasionally some units may need other routine items checked/adjusted such as adjusting the carburetor idle and mixture screws, checking to ensure wires are well connected, adjusting chain slack and alignment, if needed. Since you are skipping a dealer and saving over half the price of a usual retail customer, you will need to perform the final assembly (as stated above). This will take 30-90 minutes to perform depending on your vehicle and skill level. While we will gladly assist you with any technical questions, we cannot refund or exchange your unit if you cannot perform these functions or refuse to let a shop do it for you. By placing an order with CMS, you agree to these terms. If you would like a dealer to perform the assistance and easy set-up for you, we have one of the few brick and mortar dealer networks to assist you with this function for a fee. Contact us with any questions.
◊ Warranty Options:
We know you work hard for your money. We also understand the need for peace of mind in a purchase. Now, you have the power to customize your own warranty protection to fit your needs. As a standard, we always offer a free warranty of every single product we carry. We also carry parts for these products. You can browse our parts department here -www.countyimportparts.com. After over 5 years and over 25,000 customers served, we know what coverage will best service you, the customer. When adding this item to your shopping cart, you will be asked to select your warranty coverage. Remember, there is always a FREE standard warranty offered with every purchase, however, we also offer longer coverage periods. Please keep in mind you must PRINT OUT the warranty agreement, sign and mail -or- fax it to our office to become active. We suggest you complete this and mail it while waiting for your new unit to arrive! This way from day one, you are covered! Here are the following warranties available. Please note any warranty offered is a part only warranty. Unless you purchase directly in store from CMS or can bring your machine to our location for service. This warranty, however long the term you select, will cover everything noted HERE. Please contact us for assistance or with questions.
90 Days Parts and 1 Year Engine! = INCLUDED FREE WITH PURCHASE (TOTAL=3/12) NOTE: Extending warranty upgrades from ENGINE to POWERTRAIN Warranty! |
SILVER = $69.99 | Extended 90 Day Parts Warranty with Extra 3 Month Powertrain Warranty (total=6/12) |
GOLD = $99.99 | Extended 90 Day Parts Warranty with Extra 6 Month Powertrain Warranty (total=6/18) |
PLATINUM = $129.99 | Extended 6 Month Parts Warranty with Extra 12 Month Powertrain Warranty (total=9/24) |
TITANIUM = $199.99 | Extended 9 Month Parts Warranty with Extra 12 Month Powertrain Warranty (total=12/24) |
LIFETIME = $259.99 | Extended 6 Month Parts Warranty with *Lifetime Engine Warranty (total=9/LIFETIME) |
◊ NOTE: We've run a survey of what customers want to see us offer. We've listened! This option is offered by this website and no other dealer. Thus, this warranty, parts and service offered must be with CMS LLC. If you chose to have a different dealer perform service or warranty work, you must ensure the dealer provides a company letterhead draft of the parts needed to certify the claim. To file a warranty claim, please go here. Generally, no other site offers any extended warranty coverage and thus we must ask that you follow our simple protocol or contact our staff for assistance. Remember, our standard warranty is still 3 times that of any competitor!
◊ Cancellation | Upgrade:
Our customers can change the warranty option or cancel the upgrade warranty anytime before delivery is complete. Please contact our staff to make any changes. Please see our FAQ page for complete details.
◊ Enjoy your order!
We are very gracious to gain you as a customer. Please sign up for our mailing list during checkout or on any page. We send several emails automatically to your inbox on the entire shipping process, step by step. We believe in keeping our customers in the loop and informed of how our process works every step to your door! We look forward to working with you and please send us an email letting us know what you need! We are also available 24 hours a day, 877-300-8707. Please contact us anytime you like with your service or sales needs! We have a fully functional website for your parts needs, unlike any other dealer!
1. Special Manufacturer Deals- means low discounted prices
Please don't let our Super LOW Prices scare you! We are one of the largest Authorized Dealers or distributors for most of the brands we offer. Our superior relationship with the major manufacturers ensures us to pass special deals onto you. By eliminating the middleman, we can offer you these incredibly low prices and a Low Price Guarantee for such high quality items.
2. Great Product Selection
With years of business behind us, we know this industry. From the "good old standards" to "cutting edge" products, we work hard to keep our product lines fresh and relevant. We've done the leg-work to ensure that the products we carry are top quality. We compare our pricing to the competition and offer great prices on everything we sell. We may not have the absolute lowest prices on the Internet. You simply just can NOT be the cheapest and still offer the inventory and service we provide. Do you really want to buy a product from a guy running a business out of storage or his garage? Sure, you may find someone running a rock-bottom prices outfit, but will they support it? Do they answer their phone? Do they honor warranties? Will they be around tomorrow? We provide you with the very best products and service and fulfill the commitments that we make to you. We will attempt to do whatever is necessary to meet your needs and exceed your expectations-that is our promise!
3. Reputable, Reliable, Accessible, Courteous, & Professional
We are established and dependable- We have been in business for over 16 years! For over 16 years, we have gained tremendous experience serving thousands of customers in high dirt bikes, go karts, and scooters. Our knowledgeable staff is enthusiastic, helpful and courteous; we have a great attitude and want your business. We care about our customers and make ourselves easily accessible. Our toll-free number is 1-877-300-8707. Your satisfaction is our #1 concern. Why get yourself all frustrated & try to get hold of a company never answer the calls? Pick up the phone dial our Toll Free 877-300-8707. We guarantee you will find the best customer services here you deserve.
4. Exceptional Quality Customer Service and Support
We do not just put up a catalog with prices. We have worked extremely hard to give you the most information to help you make your decision. This information is honest and reliable. We sort the products in many different ways so you can find the product you need even if you have no clue about what you should use.
We not only help you choose the best product for the job, we'll provide support to help you install it and to get it working. Our Knowledgeable staff and Special Project Support employees know our products, and we will make sure you get the right product for the job. Unlike many internet stores that just sell products without physically seeing the products (they are drop shippers!), we actively use them, and we provide maintenance and service here as well!
5. We are easy to reach
Help and advice are only a quick e-mail or phone call away. When you contact Countyimports.com, we have a fully staffed Sales Department to assist you. We keep you updated after you place an order with us. You can also use our Easy contact form to get questions answered fast. We are open 7 days a week from 9:00am to 6:00pm PST, and e-mails are always answered within 24 hours, usually within a few hours at the most! Our Live Chat Sales Representatives stay online during our normal business hours to assist you with questions and concerns you might have and guide you through completing an order. If you ever have a problem, we will be here to help you out.
6. No Sales Tax outside of CA
No sales Tax collected! (Only orders shipped to California are charged sales Tax.*). That is another way you save big ordering from us compared to your local retailer. That is like getting an extra 8% - 9% discount. Don't forget about this!
We also offer volume discount, the more you buy, and the more you save! For more details, check with one of our live sales representatives during our normal business hours: Monday - Saturday, 9am-8pm PST.
7. Parts! Parts! Parts! & extremely helpful technical supports team just for you!
We stock all common parts for all products we carry. Call us at 877-300-8707 and get your warranted replacement part (s) shipped free of charge. If you purchased your motorcycle, Dirt Bike, Scooters or Go Kart from us, you are special and will be given that special treatment every time you come back. We offer replacements parts at extremely low prices even if your warranty has expired! Just FYI, if you have any frustrating friends, co-workers, family members are looking for replacement parts that they could not get from where they bought their bikes from, have them call us! We provide 80% of the spare parts on the market, not just to end users, even the dealers!
8. We are a DMV licensed and bonded motor dealer in CA.
Unlike most of the On-line companies, we ship our products directly out of our own warehouses. We display all models we carry in our showroom. Our will call center open Monday - Saturday. We are a DMV licensed and bonded motor dealer in CA. We served over 30,000 customers and 600 dealers nationwide over the past 7 years. All of our products are well protected and shipped in a metal frame. We inspect every item before it is packaged and shipped from our warehouse to make sure you will receive the best product possible.
9. We support our troops. Exclusive Military and law Enforcement Discount: Supports Our Troops! We know your job is tough. That's why we make it easy for you to order the products you need and get it to you as quickly as possible. For more information, please contact one of our sales representatives at 877-300-8707 or see our FAQ page!
10. Secured Shopping & Fraud Protection
All credit card transactions are conducted on a secure server. We confirm ALL orders prior to processing the order to ensure that a fraud is not being committed by calling the cardholder listed on the credit card / ATM card. We will make sure your personal information and property are well protected. Countyimports.com employs various credit card fraud prevention services, provided by our online merchant processor, in order to insure purchases made from Countyimports.com are not fraudulent. When you transmit credit card information to complete a purchase or verify data, we always transmit that credit card number in an encrypted format (SSL) SSL protects customer information such as credit card numbers, names, and addresses during the exchange between your computer and our server. All credit card transactions are processed through our SSL secure server. You'll know the information is protected if the closed-lock symbol pops into view in the lower right- or left-hand corner of your screen while you are checking out. You can also verify secure pages by checking the address or URL listed on the location bar.
11. Fast order Processing, Shipping and Tracking system
We understand you want to be part of the process throughout the order and delivery of your order. We always strive to provide you with the best shopping experience possible. You will know the status of your order every step of the way in real-time. We believe that it is important for us and you to know your order status from the moment your credit card is submitted for authorization and verification, to the arrival of your product on your doorstep.
Fast Service
Our goal is to ship out all customer orders that are in stock within 48 hours. We ship your order directly to your doorstep. No additional charge for residential delivery, lift gate service, or delivery notification service.
Confirmation of your order email: Thank you for placing your order. We will immediately send you a confirmation email upon receipt of your order. Your order was received successfully and is presently being verified. In this email, you will see exactly what was charged and what items were shipped with your order. Please print a copy of this email for your records.
Order processed email: One of our sales representatives will be contacting you as soon as your order is placed. We verify that the card is valid, active, and has the funds to cover the total purchase. We will also verify the billing and shipping information that you provided to us. If you listed an alternate shipping address, we will contact your issuing bank to verify the alternate shipping address is notated in your account. If it is not, please notate the alternate address with your bank and notify us. Inventory based on your order will be assigned for shipping.
Tracking number email: Your order has shipped from our warehouse where the item(s) has been accurately picked, securely packed, and shipped in a professional manner. You can track your package via the tracking number we email to your supplied email address. We even email you every couple of days and update you on your order process and what to expect next!
12. We respect your privacy.
We do not sell or share your information to/with any other company. Every Transition is highly secured! We utilize Secure Sockets Layer (SSL) encryption protocol. All credit card transactions are processed through our SSL secure server.
13. Simple Secure Checkout- We make your purchase as easy as possible!
You don't have to go through 10 different pages filling out information. Just click order on the product you want, choose your shipping options, fill out your address and payment info and that's it!
For your convenience, we accept Visa, MasterCard, American Express, Discover, Pay Pal, Wire transfer, Money order, Cashiers Check and Western Union. For more information, please call our Toll Free 877-300-8707 for details or email us at email@example.com
We want you to purchase your bikes, scooters and Go Karts from us and we want you back......... OFTEN! We guarantee SUPERIOR PRODUCTS & CUSTOMER SERVICE!
SSL Secure Web Site Ordering!
Low Low Prices, all year round!
Courteous, Knowledgeable and Professional Sales Personnel!
Brand New and Factory Fresh Merchandise!
Thousands of Satisfied Customers!
Next Business Day Shipping!
All orders are double boxed and securely packaged!
Toll Free Customer Support!
No sales tax in any state!
Quality name brand products!
Order confirmation & shipment notification with tracking information!
All Items In Stock & Ready To Ship!
All Items New with Full Warranty!
No high pressure sales tactics!
Highly rated customer service!
Recruitment of experienced & enthusiastic team members!
Competitive pricing!
Instant access to sales & service specialists during business hours!
All our Mopeds / Scooters / OHV's come with 50 State Certification!
Our Motorcycles, scooters and Mopeds are powered by a 4-stroke engine for ultra smooth, efficient, and quiet transportation. 4-cycle engines are much quieter in operation than the 2-cycle engines found in most cycles and are much more environmentally friendly. We offer one of the best engineered gas 4-stroke cycle in its class. This version is the perfect choice for short distance commuters or for those looking for quick, easy and fun transportation at an incredibly affordable price. Features include electric start, lights, turn signals, mirrors, below seat storage compartment, horn, odometer, speedometer, etc. These scooters are sold factory direct by-passing the middle man to save you thousands of dollars. We also sell these to the public lower than most dealers pay buying quantity. Beware of copy cat models sold locally and online, the brands CMS carries are manufactured by one of the largest motorcycle manufacturing facilities overseas. Copy cat models come from small factories and assembly lines that use inferior parts. All CMS models are tested for durability and value. This is why CMS has become the premier online dealer serving the entire USA!
◊ Why buy from Countyimports.com?
Are the publicly traded? Do they have 3 Physical Store locations? How about a parts department with over 60,000 parts in stock? We may brag a little, but we are very proud of our company and what we offer because we know out right, no one else can asker yes to those questions we can! Most other online dealers will ship your unit to a terminal which could be hours away from your home, ours get shipped directly to your door. CMS also provides lift gate service at no additional charge. This means your new purchase will arrive directly to your residence at NO EXTRA COST! CMS offers our product at a wholesale price. For each item's specifications and assembly requirements, please see each individual item's description of what assembly is required to complete this purchase. Although assembly is generally easy depending on the model, if you cannot perform this task, please let CMS know so we can help find a dealer in your area to perform this task. Should you have any questions about our product, feel free to call us anytime during normal business hours M-SAT 9 am- 5 pm PST - 877-300-8707. Please CLICK HERE for our FAQ department.
◊ Federal ID Plate:
In addition to the MCO, other necessary components to register your cycle and include the federal inspection plate with Vehicle ID Number (VIN), engine ID number stamped into engine casing and the VIN# stamped into frame of unit (located beneath Federal ID Plate). These components are vital to proper registration of your new purchase and CMS provides all documentation required to do so at no additional charge for new customers! Click here for help in locating your VIN.
◊ Dependability:
The continuously variable torque converter transmission always provides just the right amount of power. The high torque of the 4-cycle engine provides more than enough power to climb just about any hill you will ever encounter. Carburetion is 15mm and CV with automatic choke. Also has Ignition CDI & Kick start. Operation is extremely simple. Speed is controlled by the twist grip throttle. There is no clutch to operate as the drive system is completely automatic. This vehicle holds 1-3.5 gallon of gas and can be located in the specifications table above, giving your cycle a range of 70-115 miles, depending on rider weight and terrain.
NOTE: WE INCLUDE Residential AND lift gate delivery with ALL our product at NO additional charge. Why buy a scooter that you have to either drive hours to pick up or need 4 people to unload from the delivery truck?
Beware of online dealers that sell these at a cheaper price, claim "free" shipping, or simply hide the shipping cost until checkout-- make sure that residential and lift gate delivery are included in the cost! It is often $150 - $200 extra! We have NO hidden costs! That is why we are the #1 online motor sport dealer! Don't break your back and wallet by buying online. We offer full service from door to door!


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Yoshiko Hanabatake is an idiot beyond all belief. Somehow managing to consistently score zeroes on all of her tests and consumed by an absurd obsession with bananas, her senseless acts have caused even her own mother to lose all hope. Only one person is up to the task of keeping her insanity in check: childhood friend Akuru "A-kun" Akutsu.
Though he bemoans the ridiculous behavior he has to endure, the studious but terrifying A-kun is always ready to put an end to any stupidity Yoshiko gets up to, with no qualms about using physical force. Unfortunately, no matter how many times he attempts to knock some sense into her, the girl bounces right back to her usual shenanigans, even dragging in some other eccentrics along for the ride. Try as he might to rein in her nonsense, every moment is unpredictable with Yoshiko and her profound idiocy on the loose.


text:
With its restructuring into individual business units, GEMÜ is taking into account the increasing requirements for process engineering.
Even closer to the customer
Thanks to its wide range of products, GEMÜ offers solutions for the most varied customer groups. To operate in a way that is more customer-oriented, strategic business units have been created:
Pharma, Food, Biotech | Industry |
The Pharma, Food & Biotech business unit is the biggest business unit of the GEMÜ Group. With its large base of user knowledge and its efficient products, it is used for all of the processes of the pharmaceutical, biotechnology and cosmetics industries as well as the food and beverage industries. | Due to the variety of industrial applications, the Industry business unit has specialized in five main industrial sectors. Regardless of whether it concerns industrial water treatment, chemical industry and environmental engineering or the processing industry, the Industry business unit can provide the right range for these and other areas of application. |
Brochure | Brochure |
Semiconductor | Medical |
The Semiconductor business unit focuses on pure and ultra-pure process media in different areas of application. The focus here is on valves for systems in the production of semiconductors and microchips, the production of photovoltaic systems and batteries, and the manufacture of ultra-high-purity chemicals. | As an engineering and production partner for medical technology companies and pharmaceutical manufacturers, GEMÜ Medical produces customized plastic solutions in the company's own cleanroom plant. |
Brochure | Brochure |
Service | |
In the Service department, all activities are brought together in the After-Sales area at GEMÜ. These are currently divided into two main areas: "Technical Training Courses" and "Customer Service". | |