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Annual Meeting Recordings
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Annual Meeting Agenda
Agenda -
Sessions sorted by Session Sponsor
Agenda -
Sessions sorted by Primary Competency
Agenda Day 3
Presentation(s): View Presentation
Session Sponsor(s): Education & Research Section
Moderator(s): Brian Matthew Hartman, ASA
Presenter(s): Daniel Bauer; Stuart Klugman, FSA, CERA
Join us to discuss last summer's Actuarial Research Conference, get a preview of next summer's conference, and discuss the findings of an SOA study on the competencies required in predictive analytics.
This breakfast is open to all meeting attendees free of charge. If you plan to attend, you must register in advance to obtain a ticket.
Session Coordinator(s): Brian Matthew Hartman, ASA
Session Sponsor(s): Financial Reporting Section
Moderator(s): Leonard Mangini, FSA, FALU, FRM, MAAA
Presenter(s): James S. Hawke, FSA, MAAA; Leonard Mangini, FSA, FALU, FRM, MAAA
Please join us for an update on council activities, a chance to network, a report on section research projects, and the passing of the Green Jacket.
Session Coordinator(s): Ashwini A. Vaidya, FSA, MAAA
Session Sponsor(s): Health Section
Moderator(s): Brian Edward Pauley, FSA, MAAA
Presenter(s): Elaine T. Corrough, FSA, FCA, MAAA; Brian Edward Pauley, FSA, MAAA
Enjoy this opportunity to network with members of the Health Section while enjoying a hot breakfast. You will hear from section leaders on initiatives related to the member community, education and research, as well as longer-term strategic planning. The featured presenter will discuss Lessons Learned from the Affordable Care Act including unintended consequences for the actuarial profession. We will start on time and have a lot to cover--please arrive on time to get the most from this session.
Session Coordinator(s): Gregory G. Fann, FSA, MAAA
Session Sponsor(s): Joint Risk Management Section (CAS, CIA and SOA)
Moderator(s): Mark M. Yu, FSA, CFA, FRM, MAAA
Presenter(s): David Schraub, FSA, CERA, MAAA; Mark M. Yu, FSA, CFA, FRM, MAAA
This breakfast session will provide an update on the activities of the Joint Risk Management Section Council, and also will serve as a social and networking opportunity for actuaries who practice in the field of risk management.
Session Coordinator(s): Mark M. Yu, FSA, CFA, FRM, MAAA; Kevin William Olberding, FSA, CERA, MAAA
Session Sponsor(s): Leadership & Development Section
Moderator(s): Scott K. Randles, FSA, MAAA
At this hot breakfast, each table will have an experienced actuary who has been in a senior leadership, senior management, or C-suite role as its host. Each host will share real-life experiences from his/her career as well as leadership inspirations with the table. This will be an unique opportunity to network and interact with senior actuarial leaders from a variety of practice areas in an informal, small group setting. In addition, a brief update will be provided on Leadership & Development Section activities as well as section resources available.
Session Coordinator(s): Anne M. Katcher, FSA, MAAA
Session Sponsor(s): Marketing & Distribution Section
Moderator(s): Todd R. Sagmoe, FSA, MAAA
Join us at this breakfast session for an update on the latest activities of the Marketing & Distribution Section (MAD). Topics will include recent MAD research, a summary of our work in 2016, and the section's plans for the coming year.
Session Coordinator(s): Andrew G. Steenman, ASA, MAAA
Credits: 1.50 CPD
Session Sponsor(s): Education & Research Section; Investment Section
Competency: Technical Skills & Analytical Problem Solving
Moderator(s): Brian Matthew Hartman, ASA, Ph.D.
Presenter(s): Maciej Jakub Augustyniak, FSA, Ph.D.; Pierre-Alexandre Veilleux, FSA, FCIA, MSc
This session addresses three issues related to the dynamic hedging of variable annuity products. First, we investigate the importance of hedging interest rate risk in stable, rising or volatile interest rate environments and study the robustness of interest rate hedges to model risk. Second, we examine model risk with respect to stock market, interest rates and longevity risks for GLWB guarantees. Finally, we study how the fee structure and surrender charges affect surrender incentives and propose to use product design to mitigate policyholder behavior risk.
This session is intended to meet the needs of actuaries who are focused on improving hedging effectiveness of variable annuity products and on identifying new approaches to better manage risks in variable annuities. This session is given by a panel composed of a professor of actuarial science, involved in research collaborations with industrial partners, and a practicing actuary.
At the conclusion of the session, attendees will be able to:
Country Relevance: Non-Nation-Specific
Experience Level: All
Session Coordinator(s): Maciej Jakub Augustyniak, FSA
Moderator(s): Allen M. Klein, FSA, MAAA
Presenter(s): Steven C. Ekblad, FSA, MAAA; Allen M. Klein, FSA, MAAA
This session will discuss the application of credibility theory in setting assumptions under PBR. The underwriting score criteria for selecting mortality assumptions will also be discussed.
At the conclusion of the session, attendees will be able to describe the use of credibility in PBR and underwriting score criteria in setting assumptions under PBR.
Country Relevance: U.S.
Experience Level: Intermediate
Session Coordinator(s): Leonard Mangini, FSA, FALU, FRM, MAAA
Competency: External Forces & Industry Knowledge
Moderator(s): William S. Bade, FSA, MAAA
Presenter(s): William S. Bade, FSA, MAAA; Alex M. Bagby, ASA, MAAA; Paul C. Ramirez, FSA, MAAA
The supplemental market changed dramatically with the introduction of the Affordable Care Act, which caused a ripple effect in other external forces. These forces have now created a large opportunity in the Hospital Indemnity market, and many carriers are ill-prepared for the complexity of these products. We will start by looking at key events and trends in distribution and product development that are generating increased and sustainable growth in hospital indemnity plans. We will then explain how these events and trends need to be addressed in product development while providing specific areas of focus within plan designs.
At the conclusion of the session, attendees will be able to identify key external forces in the market, apply emerging market trends to their actuarial work, and interpret complexities in hospital indemnity products.
Session Coordinator(s): William S. Bade, FSA, MAAA
Competency: Strategic Insight and Integration
Moderator(s): LuCretia Leola Hydell, ASA, MAAA
Presenter(s): Jerry Clark, MD, FACP; Josh Martin; Mark Rishell
Increasingly, providers are looking to move into the risk business. What elements should be considered when starting a health plan? This session will review the key factors for success of a provider-led offering including network contracting, stakeholder engagement, claims cost management and actionable financial levers. Advantage and challenges for provider sponsored plans will also be discussed.
Session Coordinator(s): Stacey L. Anthony, ASA, MAAA; LuCretia Leola Hydell, ASA, MAAA
Session Sponsor(s): Investment Section
Competency: Professional values
Moderator(s): Kelly Lynn Featherstone, FSA, ACIA
Presenter(s): Daniel Hare; James A. Kosinski, FSA, CFA, MAAA, Ph.D.; Jeffrey G. Passmore, FSA, EA
This session will discuss how to maintain professionalism in investment. This session will consist of a series of case studies followed by interactive discussions between the audience and the panel.
At the conclusion of the session, attendees will be able to have an enhanced awareness of professionalism while performing investment related tasks.
Session Coordinator(s): Peter H. Sun, FSA, MAAA
Session Sponsor(s): Joint Risk Management Section (CAS, CIA and SOA); SOA General Insurance
Competency: Results-Oriented Solutions
Presenter(s): Matthew S. Easley, FSA, MAAA; Venelin Angelov Yanakiev, FSA, CERA, MAAA
Low interest rates, increased consumer protection and greater regulatory scrutiny are making insurance business more and more challenging to manage. As a result, insurance companies worldwide are struggling to meet the expectations of shareholders when it comes to value creation and this is clearly reflected in the poor market valuations that these companies receive. While at a high level it is easy to agree on what should be done to address this issue, executing these changes at the product and line of business level is a lot more difficult. This session will present a complete framework designed to ensure that each life and non-life product sold delivers value to the shareholders of the company. The participants will learn about the additional insight and steering impulses offered by such a framework, as well as about the potential roadblocks that may hinder a successful implementation. The value added to an insurance organization will be demonstrated through examples.
Session Coordinator(s): Kevin William Olberding, FSA, CERA, MAAA
Session Sponsor(s): Long Term Care Insurance Section
Moderator(s): Kevin Hyeonwook Kang, FSA, MAAA
Presenter(s): Lo Linda Chow, FSA, MAAA; Bonnie Elizabeth Wolf, FSA, MAAA
Given the rising needs of LTC, both stand-alone LTC and Life/LTC combination products are having a significant impact on the insurance industry. For stand-alone LTC, precise financial modeling technique that would allow carriers to better manage their inforce blocks has been a hot topic of the industry; for Life/LTC combination products, pricing and risk mitigation techniques are still in the developmental stage. This session will explore first principles modeling and stochastic modeling techniques to help actuaries and senior management better gain an understanding of the potential levels of benefit payments and risks for stand-alone LTC and the embedded life and LTC coverages in Life/LTC hybrid product.
At the conclusion of the session, attendees will be able to evaluate and compare different benefit structures and evaluate the overall level of risk for stand-alone LTC and Life/LTC hybrid products.
Session Coordinator(s): Rachel Marie Brewster, FSA, CERA, MAAA
Moderator(s): JJ Lane Carroll, FSA, MAAA
Presenter(s): Sarah R. Hinchey, FSA, CERA, MAAA; Denise Olivares, ChFC, CLU; Jamie Yoder
Predictive modeling! Big data! Consumer analytics! Predictive models are being applied across many areas of the insurance industry. On the marketing and distribution side these models are being used to more effectively understand current and potential consumers. These consumer analytics harness a variety of data sources to generate better leads, pre-qualify clients, and create new opportunities within existing client bases. In this session learn how the tools of predictive modeling can contribute to the success of your company's marketing efforts and show that that these are more than just buzzwords. A panel of leaders in the consumer analytics space will share their experiences including case studies, background of real implementations, successes that have been achieved, and advice on lessons learned.
At the conclusion of the session, attendees will have a better understanding of the value that consumer analytics can bring to insurance companies; they will be able to identify the tools and data sources that can be used for their analytic models and explain how leaders in the marketplace are using analytics to grow their or their client's business.
Credits: 1.50 CPD; 1.50 Core EA
Session Sponsor(s): Pension Section
Moderator(s): Emily Brantley Donavant, ASA
Presenter(s): Alan R. Glickstein, ASA, EA; Mary R. Hardy, FSA, CERA, ACIA, FIA
In 2015 the IRS published final regulations and transition rules for U.S. hybrid plans. At the same time, the trend towards plan derisking continues in the pension marketplace, with hybrid plans bringing unique challenges as sponsors try to mitigate investment and interest rate risk. This session will present an overview of the regulatory and investment challenges cash balance plans face, with a discussion of how they can be approached.
At the conclusion of the session, attendees will be able to identify compliance issues in U.S. cash balance plans and propose possible solutions under the newly released regulations. They will also be able to explain the asset hedging strategies appropriate to cash balance plans.
Session Coordinator(s): Thayer (Chip) Miller Morris III, FSA, EA
Credits: 1.50 CPD; 1.50 Noncore EA
Moderator(s): Emily K. Kessler, FSA, EA, FCA, MAAA
Presenter(s): Chantel Sheaks; Matthew C. Sicking, ASA, MAAA
An aging workforce and its potential implications affect all aspects of human resources planning, often requiring coordination and collaboration among multiple stakeholders. Phased retirement is viewed as an approach that attempts to address the needs of both employers and employees as it relates to managing a workforce approaching retirement age. Phased retirement can include a broad range of employment arrangements that allow employees who meet specific criteria (aligned with business goals) to continue working with a reduced workload, and eventually transition from full-time work to full-time retirement. This session aims to look at phased retirement from the point of view of different stakeholders, and discuss common practices and implementation considerations.
At the conclusion of the session, attendees will be able to understand phased retirement program features, common practices and implementation considerations.
Country Relevance: U.S. and Canada
Session Coordinator(s): Monica Dragut, FSA, EA, MAAA
Session Sponsor(s): Predictive Analytics and Futurism Section
Moderator(s): Sheamus Kee Parkes, FSA, MAAA
Presenter(s): Dihui Lai; Satadru Sengupta
As predictive modeling is becoming a necessary skill for actuaries, basic regression model is no longer the only choice in certain applications. Actuaries are interested in learning more sophisticated modeling techniques. In this session, experts will discuss some of the advanced tree-based models that potentially will have large impact on insurance industry. The topics will include basic math foundation, simple tree and ensemble method, considerations in model selection, and advantages and disadvantages of each model. Some real examples will be introduced to illustrate the concepts and potential applications.
Session Coordinator(s): Qichun (Richard) Xu, FSA
Session Sponsor(s): Product Development Section
Moderator(s): Timothy S. Paris, FSA, MAAA
Presenter(s): Colin Devine, CFA, CFP, CMA; Daniel J. Rueschhoff, FSA, MAAA; Yuan Tao, FSA, MAAA
The fiduciary rule released by the U.S. Department of Labor has the potential to dramatically change the annuity market, in terms of distribution process, product design, and customer appeal. The exact implementation of the rule is still uncertain. Presenters will discuss key aspects of the rule, elements that are being debated and potential impact to product development.
Session Coordinator(s): Timothy S. Paris, FSA, MAAA
Moderator(s): James M. Filmore, FSA, MAAA
Presenter(s): Minyu Cao, FSA, CERA; James M. Filmore, FSA, MAAA; Hezhong (Mark) Ma, FSA, MAAA
Term products with the option to convert exhibit an element of antiselection. This presentation will quantify the antiselection, consisting of experience analysis results of level-term period business as it transitions into the converted policy. Key results will be summarized from the SOA research project on term conversions, including term conversion rates, as well as post conversion mortality and lapse rates. Areas of improvement for data weaknesses will also be identified and how a predictive model can be applied to conversion experience study results.
Session Coordinator(s): Lindsay Keller Meisinger, FSA, MAAA
Session Sponsor(s): Reinsurance Section
Moderator(s): Barbara P. Niehus, FSA, MAAA
Presenter(s): Scott Birrell; Daniel FitzMaurice; Michael Frantz, JD; Barbara P. Niehus, FSA, MAAA
The presenters will explain the role and importance of arbitration. We will walk through a simple example of how the arbitration process works after the parties have entered into a dispute. Alternative wording for arbitration provisions will be discussed, noting the importance of key features. While providing explanations and examples, the presenters will also explore the actuary's role in resolving disputes through arbitration.
At the conclusion of the session, attendees will be able to explain the role of arbitrations, describe the key features of the arbitration provision, and identify the potential impact on the actuary's work.
Session Coordinator(s): Barbara P. Niehus, FSA, MAAA
Session Sponsor(s): Actuary of the Future Section; Predictive Analytics and Futurism Section; Technology Section
Moderator(s): David L. Snell, ASA, MAAA
Presenter(s): Melissa Carruthers, FSA, FCIA; David L. Snell, ASA, MAAA
The data scientist has pushed the actuary out of the top spot for most attractive jobs. It is claimed by some of the media to be the 'sexiest job of the coming decade' and data scientists are now being hired in great numbers into jobs once held by actuaries. The Lingua Franca of many data scientists is the programming language R. Employers are desperate for people with big data and predictive modeling skills, and expertise in R is a badge of achievement in statistics and predictive modeling. We can show students and actuaries how handy this language can be in the new world of the "Internet of Things," wearables, and other sources of big data. We can also show how easy it is to learn this relatively new, highly analytic oriented tool.
Experience Level: Beginner
Session Coordinator(s): David L. Snell, ASA, MAAA
Moderator(s): Helen Colterman, FSA, CERA, ACIA
Presenter(s): Paul M. Fischer, FSA. MAAA; Carrie Lee Kelley, FSA, MAAA; Christopher Almer Whitney, FSA. MAAA
In this session we will review the changes that are being made across the industry to prepare for PBR. This session will focus on preparation for reporting under PBR and how companies have addressed the many challenges. One of the biggest of these challenges will be getting comfortable with the results. PBR places a much heavier reliance on actuarial judgment and actuarial models than the traditional reserving methodologies for life insurance. Results and assumptions will need to undergo a thorough review process to ensure they are reasonable. Because of the nature of the calculation and assumptions no longer being locked-in at issue, it will no longer be possible to rely on simple trends; this will make analysis much more complicated.
This session will provide insight into possible approaches for getting comfortable with the reserve movements. Additionally, due to the expanded use of actuarial models, strong model governance will be crucial. Model risk governance has been receiving a lot of attention of late in the insurance industry. The attention to model governance will only increase with the model governance requirements in PBR. The presenters of the session will provide insight that can help companies set up a successful model governance framework for PBR.
At the conclusion of the session, attendees will be able to describe implementation considerations, review approaches and model governance for implementing PBR.
Session Coordinator(s): David J. Weinsier, FSA, MAAA
Moderator(s): Patrick Jason Colbert, ASA, MAAA
Presenter(s): Patrick Jason Colbert, ASA, MAAA; Scott Heiser; Lilith Ciccarelli McGhee, ASA, MAAA; Heather Orth
Does the next generation ACO model set providers up for more success? This session will provide an overview of the CMS model with a focus on benchmark calculations and the implications on shared savings outlook. Presenters will also conduct a review of the operational lifecycle of a next generation ACO from application to acceptance and beyond. Presenters will discuss challenges faced for next generation and a comparison of the next generation model to earlier Medicare Shared Savings Programs.
Session Coordinator(s): Patrick Jason Colbert, ASA, MAAA
Moderator(s): Syed Muzayan Mehmud, ASA, FCA, MAAA
Presenter(s): Gregory Gierer; Karan Rustagi, ASA, MAAA
This session will describe insights gained from studying data from the first two years of the Affordable Care Act. A diversity of opinions exists on what it may take to succeed in the ACA markets. For the first time, a large scale and detailed study of emerging ACA experience reveals key insights.
At the conclusion of the session, attendees will be able to identify key drivers of payor performance in the ACA markets.
Session Coordinator(s): Syed Muzayan Mehmud, ASA, FCA, MAAA
Session Sponsor(s): International Section; SOA General Insurance
Moderator(s): Carlos Arocha, FSA
Presenter(s): Carlos Arocha, FSA; Rene Dahms
The Swiss Solvency Test was implemented by FINMA, the Swiss Financial Market Supervisory Authority, in 2011, representing the first inforce regulatory capital model. Since then, FINMA has developed four standard models for different types of companies. The most recent, which is the focus of this session, deals with captive reinsurers, an attempts to level to harmonize rules within the European landscape, that mostly follows guidelines of the Solvency II directive. The features of the Standard Model for Captive Reinsurers will be discussed. The presenters will then explore the scope and limitations of the model and contrast it with other options available to captive companies that wish to secure a Swiss domicile.
At the conclusion of the session, attendees will be able to understand the rationale and features of the Standard Model for Captive Reinsurers that has been implemented in the Swiss insurance market, and to explore other options available for companies wanting to secure a domicile in Switzerland. The presentation will also enable actuaries to understand issues that regulation faces regarding the implementation of solvency standards, regardless of the jurisdiction where the actuary practices.
Country Relevance: International
Session Coordinator(s): Wendy Chiwen Liang, FSA, CERA, MAAA
Presenter(s): Dariush A. Akhtari, FSA, FCIA, MAAA; Tobias Gummersbach; Liang Yin, FSA, MAAA
This session discusses the implication of a low interest rate environment for economic scenario generators, which drive many actuarial projections. This session will particularly address the ramification of negative interest rates.
At the conclusion of the session, attendees will be able to have an enhanced understanding of ESG in a low interest rate environment.
Moderator(s): Matthew P. Clark, FSA, CERA, MAAA
Presenter(s): Matthew P. Clark, FSA, CERA, MAAA; Nick Fiechter, FSA, MAAA; Maria Rose Itteilag; Theresa M. Resnick, FSA, MAAA
Actuaries are constantly monitoring and analyzing experience as part of the actuarial control cycle. Defining the line between knowledge and an assumption that can be reflected in the financial statements is difficult. This session will discuss the issues of moving knowledge about emerging experience into assumptions reflected in financial reporting. Included will be examples of frameworks to manage both assumptions and modeling considerations. Specific areas to be addressed include:
Session Sponsor(s): Modeling Section
Moderator(s): Trevor C. Howes, FSA, FCIA, MAAA
Presenter(s): Ronald J. Harasym, FSA, CERA, FCIA, MAAA; Andrew Ching Ng, FSA, MAAA
This session will follow up on the previous day's afternoon session, and look at some of the emerging actuarial techniques that, although perhaps not yet so widely used, hold tremendous promise for the future.
At the conclusion of the session, attendees will be able to describe several emerging techniques being used for model efficiency, compare and contrast them and determine which to study further for their own modeling needs.
You may also be interested in one or more of the other model efficiency sessions: 20 PD, 54 PD, 128 PD, 165 PD.
Session Coordinator(s): N. Shane Leib, FSA, MAAA
Moderator(s): Andrew J. Peterson, FSA, EA, FCA, MAAA
Presenter(s): James Michael Gannon Jr., FSA, EA; Michael K. Reid, FSA, FCIA
In recent years, one of the hot topics for defined benefit plan sponsors has been pension risk transfer options available to reduce their risk exposure. Various options have been commonly utilized since 2012 such as voluntary lump sum distributions to allow plan sponsors to settle their future benefit obligations. What's next? As pension plans continue to mature, plan sponsors are interested in other pension risk management options. Ultimately, plan sponsors decide on the best approach for their pension plan and organization. This session explores different options plan sponsors may want to consider as well as investment strategies available to their pension plan.
At the conclusion of the session, attendees will be able to identify different pension risk transfer options, develop the best options for plan specific situations and evaluate investment strategies available to pension plans.
Session Coordinator(s): Ana R. Neira, FSA, EA, MAAA, Ph.D.
Moderator(s): Maureen Stephanie Keonakhone, FSA, CERA, EA, FCA, MAAA
Presenter(s): Fred M. Vettese, FSA, FCIA; Jean Young, CPA
Are you ready for retirement? As companies are changing their retirement benefit strategy and market movements are unpredictable, some think that we are in the verge of a retirement crisis where manypeople will not have adequate retirement income. However, others have a more optimistic viewpoint and believe the future is not that bleak. Join us for this discussion as experts explore global retirement systems, retirement readiness measures and best practices.
At the conclusion of the session, attendees will be able to compare global retirement systems, explain retirement readiness measures and describe best practices.
Session Coordinator(s): Maureen Stephanie Keonakhone, FSA, CERA, EA, FCA, MAAA
Moderator(s): Patrick David Nolan, FSA, MAAA
Presenter(s): Jafor Iqbal; Joseph E. Montminy, ASA, MAAA; Timothy S. Paris, FSA, MAAA
This presentation will cover the 2013 experience of over 4.7 million variable annuity contracts with lifetime payout riders from 20 participating companies. This presentation will show the trends and key determinants that describe how variable annuity contract owners with Guaranteed Living Withdrawal Benefit and Guaranteed Minimum Income Benefit riders have utilized these options. Age, source of funding and withdrawal methods were just some of the characteristics analyzed in the study to determine their relationship to benefit utilization. Benefit utilization from the standpoint of fixed indexed annuities will be covered along with the application of predictive modeling techniques to annuity policyholder behavior data.
Session Coordinator(s): Patrick David Nolan, FSA, MAAA
Moderator(s): Kelly J. Rabin, FSA, MAAA
Presenter(s): Jacqueline M. Keating, FSA, MAAA; Andrew G. Steenman, FSA, MAAA; Robert P. Stone, FSA, MAAA
In the U.S., a new principle-based framework for determining reserves and capital could have a 2017 implementation date. While there have been research and educational materials produced to help actuaries and others better understand the implications and implementation of the new requirements from a financial reporting perspective, little has been developed emphasizing the product development actuary perspective. This project will examine the impact of VM-20 from a product development actuarial perspective. The research will help actuaries and others enhance current practices to optimize pricing and product development activities within a VM-20 framework as well as enhance intracompany communication and efficiencies related to VM-20.
Session Coordinator(s): Kelly J. Rabin, FSA, MAAA
Session Sponsor(s): Social Insurance & Public Finance Section
Moderator(s): Krzysztof M. Ostaszewski, FSA, CERA, MAAA, Ph.D.
Presenter(s): James J. Rizzo, ASA, EA, FCA, MAAA; Mitchell I. Serota, FSA, EA, MAAA
The presenters will compare and contrast the role of the actuary in the private and public sectors. The key question is whether those role are similar and follow generally the same principles, or they are significantly different and require different skills and competencies. The case will be made for the view that there is one actuarial profession, but with differing clients, and for the case that the actuarial work in the public sector is unique and different than actuarial work for private sector clients.
At the conclusion of the session, attendees will be able to understand why the roles of actuaries in the private sector and the public sector may be viewed as different, even if they follow the same general actuarial principles. The session will present the merits of both perspectives.
Session Coordinator(s): Krzysztof M. Ostaszewski, FSA, CERA, MAAA, Ph.D.
Session Sponsor(s): Technology Section
Competency: Communication
Moderator(s): John Edward Smith IV, FSA, MAAA
Presenter(s): Roger R. Rosales Jr., FSA, CERA, MAAA; John Edward Smith IV, FSA, MAAA
Part 1: General Presentation Best Practices. The dos and don'ts of giving a presentation--whether it's to a small group in a board room, a larger live audience, or a webcast. By simply being aware of a few key principles, anyone can design and deliver an effective presentation and keep their audience's attention.
Part 2: Data Visualization. Review the goals of data visualization, which include making complex data more accessible, understandable, and usable by selecting appropriate statistical graphics, plots, information graphics, tables, and charts. Review a graphical history of data visualization, emphasizing its original intent and showcasing modern tools (e.g. Excel, SAS, R, D3, Tableu, Python, Javascript). Review a case study on how data visualization can help make an informed decision.
At the conclusion of this session, attendees will be able to:
Session Coordinator(s): Robert W. Hrischenko, FSA, MAAA
Session Sponsor(s): Hannover Re
Moderator(s): Peter R. Schaefer, FSA, MAAA
Presenter(s): Thomas M. Marra, FSA, MAAA; James Morris, FSA, MAAA
A panel of insurance industry CEOs share their visions for the future of the life market and what products and services will be needed in the next decade to meet evolving needs.
At the conclusion of the session, attendees will be able to develop an understanding of where the life and annuity markets are headed in the next decade.
Follow-up: Sessions 119 PD, 134 PD
Session Coordinator(s): Anthony C. Laudato, FSA, MAAA
SOA President Craig W. Reynolds, FSA, MAAA, passes the gavel of office to SOA President-Elect Jeremy J. Brown, FSA, MAAA, EA, who will deliver his presidential address.
Craig W. Reynolds, FSA, MAAA
SOA President
Jeremy J. Brown, FSA, MAAA, EA
SOA President-Elect
Keynote Speaker: Nick Bilton, Technology Journalist and Author
Nick Bilton is a journalist, designer, UI specialist, technologist, author, hardware hacker, and researcher. He holds a position as a special correspondent at
Vanity Fair
and was formerly the
New York Times'
technology and business columnist and the lead blogger for the paper's
blog. He is also the author of
I Live in the Future & Here's How It Works
Hatching Twitter.
The Presidential Luncheon is included in your registration fee. You may register your guest(s) for the luncheon by including $100 per person with your registration fee. Admission tickets are available for purchase at the meeting as space permits. Refunds will not be given.
Session Sponsor(s): Entrepreneurial & Innovation Section; Product Development Section
Moderator(s): Kevin J. Pledge, FSA, FIA
Presenter(s): Philip Gold, FSA, FIA, MAA; Kevin J. Pledge, FSA, FIA; Benjamin Williams
Innovation is a game changer--companies that innovate thrive, while others that don't eventually die. In some cases innovation is due to individuals pushing their idea forward, in others it is the organization that nurtures and allows innovation to develop. This session explores the characteristics of innovation through case studies to give attendees insight into how they can approach innovation within their own organizations and assist aspiring entrepreneurs in developing innovative ideas into a viable business. Attendees will see how innovation can be approached and how they can identify and respond to disruptive forces impacting the insurance industry.
At the conclusion of the session, attendees will gain insight into how they can approach innovation within their own organizations or if they should set up their own business to develop their ideas.
Session Coordinator(s): Kevin J. Pledge, FSA, FIA
Session Sponsor(s): Financial Reporting Section; Joint Risk Management Section (CAS, CIA and SOA)
Moderator(s): Ashwini A. Vaidya, FSA, MAAA
Presenter(s): Amit S. Palicha, FSA, MAAA; Sandra Tsui Shan To, FSA, MAAA; Ashwini A. Vaidya, FSA, MAAA
In May 2013, the Committee of Sponsoring Organizations of the Treadway Commission (COSO) issued its updated 2013 Internal Control-Integrated Framework (2013 Framework). The 2013 Framework retained the core definition of internal control and the five components (control environment, risk assessment, control activities, information & communication and monitoring activities) of internal control, while at the same time includes enhancements and clarifications intended to ease use and application. We will present on the critical need of an effective controls framework, key benefits, and a high level approach companies can leverage to better understanding their processes, document and improve processes in the financial reporting and analytics space.
The implications from COSO extend to actuarial-related SOX controls and in the current environment with changing policyholder characteristics, market conditions, access to efficient technology, and domestic/international competition, companies are facing an ever increasing number of questions from regulators and other external and internal stakeholders on the effectiveness of their existing actuarial controls. While this may sound like additional layers of oversight, this could also be viewed as an opportunity to go from, for example, an over-controlled environment or having ineffective controls to sustainable and optimal processes which support the existence of more robust Actuarial controls.
At the conclusion of the session attendees will be able to:
Country Relevance: Non-Nation-Specific
Moderator(s): Douglas T. Norris, FSA, MAAA
Presenter(s): Douglas T. Norris, FSA, MAAA; Ksenia Whittal, FSA, MAAA
Under the ACA's risk adjustment program, a member's risk is measured using the HHS-HCC risk adjuster model, a predictive model used in the health insurance industry to estimate an individual's risk. In this particular model, carriers are incentivized to capture all existing member diagnoses that trigger any of the predefined hierarchical condition categories (HCCs) and condition groupings; by doing so, the carrier will maximize their average plan liability risk score and therefore optimize their revenue transfer position relative to the market.
As a natural consequence, a great deal of attention and resources are put into diagnosis coding improvement efforts, which (among other things) can include sophisticated analytics to help identify cases of missing diagnoses, on the ground implementation through chart reviews, incentivize additional primary care visits to enrollees, and provider coding training. An entire industry of companies specializing in the full menu of coding improvement services has emerged over the last two years. The hefty price tags that are frequently involved do raise questions of value and return on investment.
Given the diversity of carriers and markets across the country, is it likely that every carrier will derive the same relative value out of coding improvement efforts? The session will explore how market characteristics impact that value. Intended to be of interest to actuaries working in ACA commercial markets.
At the conclusion of the session, attendees will be able to determine the potential value of coding improvement efforts, for a particular carrier and market; evaluate the potential for transfer formula benefit by examining the markets that you operate in (individual, small group), the size of the overall market(s), your market share and market average risk score(s), as well as your plans' current risk score(s) level.
Experience Level: Intermediate to Advanced
Session Coordinator(s): Ksenia Whittal, FSA, MAAA
Moderator(s): Scott O'Neil Jones, FSA, MAAA
Presenter(s): Scott O'Neil Jones, FSA, MAAA
Medicare Advantage (MA) plans will be filing their Minimum Loss Ratio (MLR) in early December for the 2015 plan year. This is the second year of MLR filings, which began with the 2014 plan year. We will give an overview of the MLR regulations for MA and MA/PD plans and discuss data and lessons learned from the first year of filings. We will provide guidance on compiling data in time for the filing deadline and on the handling of quality improvement activities. In particular, we will give some examples of how to map data sources into the reporting fields and some potential pitfalls. Finally, we will discuss MLR considerations for bid development.
At the end of this session, participants will be able to :
Session Coordinator(s): Matthew Kranovich, FSA, MAAA
Session Sponsor(s): Investment Section; Joint Risk Management Section (CAS, CIA and SOA)
Moderator(s): Peter H. Sun, FSA, MAAA
Presenter(s): Dariush A. Akhtari, FSA, FCIA, MAAA; Samir Mathur; Charles Nevins, CFA, FRM
This session discusses the risk management best practices in investments, including best execution, minimization of errors, validation, etc.
At the conclusion of the session, attendees will be able to have a better understanding of risk management best practices in investments.
Moderator(s): Robert T. Eaton, FSA, MAAA
Presenter(s): E. Perry Kupferman, FSA, MAAA; Roger Loomis, FSA, MAAA; Anthony Alex Silva, FSA, MAAA
This session will explore how recent, industry-wide long-term care pricing studies have impacted the market for all LTC-based products in the market today. Session speakers will have a constructive back-and-forth conversation on the spectrum of LTC products available today, from traditional standalone LTC, to hybrid life/health products, to accelerated death benefit riders on life plans. Speakers will elaborate on the strengths of each of these products to their target consumers, distributors, and insurance carriers.
Moderator(s): Lisa A. Schilling, FSA, EA, FCA, MAAA
Presenter(s): Christopher M. Bone, FSA, EA, MAAA; Theodore A. Goldman, FSA, EA, MAAA; Lisa A. Schilling, FSA, EA, FCA, MAAA
In 2016, the Society of Actuaries (SOA) has published papers associated with, whether single-employer, multiemployer or public, pension plan systems, and their funding progress of contributions in the most recent years. These study results clearly indicate pension plan systems face financial stress. These pension plan systems carry significant unfunded liabilities, and the trend of decreasing numbers and proportions of active participants compound the funding pressures. Based on SOA research, this session will provide an overview of the financial stress faced by pension plan systems at the macro level. This session will also cover potential areas to explore on how to manage the stress.
Session Sponsor(s): Pension Section; Investment Section
Moderator(s): Colyar Waring Pridgen, FSA, EA
Presenter(s): R. Evan Inglis, FSA, FCA, MAAA; Rene Martel, FSA; James Peter Walton, FSA
Usage of derivatives (i.e., financial contracts between parties based upon the performance of a reference asset) in pension investment strategies continues to evolve. This session covers the most frequently utilized derivatives and explores how they can address key financial risks faced by pension plans. Specific topics of discussion include: the role of Treasury futures and interest rate swaps in managing interest rate risk; the role of options in mitigating the risk of large losses; and the construction and utilization of volatility-managed equity strategies.
Experience Level: Advanced
Session Coordinator(s): Brett Brooks Dutton, FSA, CFA, EA, MAAA, MSPA
Session Sponsor(s): Predictive Analytics and Futurism Section; SOA General Insurance
Presenter(s): Matthias Kullowatz; Kenneth Warren Pagington, FSA, CERA, MAAA; Qichun (Richard) Xu, FSA
Actuaries traditionally only deal with limited amounts of data that the insurance industry accumulated over years. Today, more data is available to actuaries, not only in amount, but also data sources. Traditional actuarial analysis is no longer effective. Some advanced methodologies are needed to understand data and find business insights. Actuaries are required to have new skills to rapidly understand data and build models for business.
Session Sponsor(s): Product Development Section; Investment Section
Moderator(s): Neel Patel, FSA, MAAA
Presenter(s): Simpa A. Baiye, FSA, MAAA; John Willis Grove, FSA, MAAA; Neel Patel, FSA, MAAA
The features offered in variable annuity and gixed index annuity products come with various levels of risk and hedging requirements. This session will discuss different rider types, richness of benefits and investment options offered (to include volatility controlled indices) in these products, and then evaluate the impact on risk and ALM.
At the conclusion of the session, attendees will have a better appreciation for how different product features can enhance or challenge insurers' ALM and hedging. Further, participants should have a clearer understanding about how to better integrate ALM into product design.
Session Coordinator(s): Joshua David Dobiac
Session Sponsor(s): Reinsurance Section; Joint Risk Management Section (CAS, CIA and SOA)
Moderator(s): Anthony C. Laudato, FSA, MAAA
Presenter(s): Jason A. Jump, FSA, MAAA; Jordi Posthumus, FFA, FSAI
This session will dive into the future of insurance and related risk assessment tools and increasing amounts of data, as well as the practical implications, including technology, products and assumptions.
At the conclusion of the session, attendees will be able to describe and identify new biometric tools and techniques that will be available in the next decade and evaluate the potential embedded risks.
Session Sponsor(s): Smaller Insurance Company Section
Moderator(s): Stefanie J. Porta, ASA, MAAA
Presenter(s): Trevor D. Huseman, FSA, MAAA; Terry M. Long, FSA, MAAA; Stefanie J. Porta, ASA, MAAA
Principles Based Reserves creates additional challenges for smaller insurance companies. It presents challenges to have enough resources for tasks such as modeling and experience studies. The smaller insurance company actuary will have to understand the professionalism standards that apply to Principles Based Reserves. The actuary will have to understand the implications of the small company exemption and the three year transition rules. The panel will discuss implementation issues for smaller insurance companies with audience interaction during the session.
At the conclusion of the session, attendees will better understand the implementation issues associated with Principles Based Reserves for Smaller Insurance Companies.
Session Coordinator(s): Steven C. Chamberlin, FSA, MAAA
Session Sponsor(s): Taxation Section; Financial Reporting Section
Moderator(s): Jacqueline F. Yang, FSA, ACIA, MAAA
Presenter(s): Stuart Katz; Hugh T. McCormick
The OECD's Base Erosion and Profit Shifting (BEPS) project is a massive initiative, instigated by the OECD's member countries with the intent of preventing taxpayers from attempting to erode the tax base of member countries and shift profits to low-tax jurisdictions, while also ensuring that tax authorities take a consistent approach to base erosion and profit shifting.
The session would begin with an overview of the BEPS project, beginning with a discussion of its origins, the implications of the fact that the project was largely motivated by political considerations, and a brief discussion of the 14 "Action Items" covered by the project. The session would then move to a more detailed discussion of the Action Items, emphasizing different categories of items based on the behaviors at which the items are targeted and the timing of implementation of the items. Finally, the session would cover matters related to the BEPS project that are of special interest to the insurance industry in particular.
At the conclusion of the session, attendees will be able to develop a basic understanding of BEPS, understand the tax implications on the life insurance industry and be able to describe the BEPS project.
Session Coordinator(s): Lawrence M. Hersh, FSA, MAAA; Timothy Gregory Branch, FSA, MAAA; David J. Weinsier, FSA, MAAA
Session Sponsor(s): SOA Research
Moderator(s): Cynthia MacDonald, FSA, MAAA
Presenter(s): Jaron Arboleda, ASA, MAAA; Michel Desmarais, FSA, FCIA
Mortality rates for juveniles are quite low, especially for life insurance. This session will report on a detailed analysis of this business in recent Statistical Agent data. Using older age data was especially problematic in the creation of the 2015 VBT. A detailed analysis of older age experience using recent Statistical Agent data was undertaken to better understand trends in this segment of the insurance population.
At the conclusion of the session, attendees will be able to interpret juvenile mortality patterns in light of recent experience. They will also be able to evaluate older age insurance patterns in light of a broad set of Statistical Agent data and identify trends in the older age insurance population.
Session Coordinator(s): Cynthia MacDonald, FSA, MAAA
Moderator(s): Christopher S. Shanahan, FSA, MAAA
Presenter(s): Jamie Hale; Dustin Yoder
A panel of new market entrants from InsureTech will discuss their visions of how the insurance industry will be disrupted and emerge in the next decade.
At the conclusion of the session, attendees will be able to develop an understanding of how the life and annuity markets may be disrupted in the next decade.
Follow-up to: Session 101 PD
Follow-up: Session 134 PD
Moderator(s): Paula M. Hodges, FSA, MAAA
Presenter(s): Paula M. Hodges, FSA, MAAA; Jason E. Kehrberg, FSA, MAAA; Daniel Burt Moulden, ASA, CERA, MAAA
Three presenters will each provide an overview of the assumption governance process from their unique points of view, covering small to large company issues
. The presenters will provide practical insights into what it means to manage assumption approvals from start to finish including; governance infrastructure, approval staging, communication, documentation and implementation controls.
Session Coordinator(s): Elizabeth L. Olson, FSA, MAAA
Moderator(s): Shyam Prasad Kolli, FSA, MAAA
Presenter(s): David M. Dillon, FSA, MAAA; Andrew Ryan Large, FSA, CERA, MAAA
This session will feature a review of the 2014 and 2015 actual experience fro the ACAs three "Rs" including risk adjustment, transitional reinsurance and risk corridors. This review will include transitional states vs. non-transitional states and 2014 vs. 2015 for issuers and total states and market. The session is intended to meet the needs of actuaries involved in ACA pricing and reserving and is applicable for 2016 year end reporting and 2018 ACA pricing. Attendees will better understand the ACA marketplace risk adjustment and its impact on carriers.
Session Coordinator(s): Aaron Steven Wright, FSA, CERA, MAAA
Moderator(s): Rebecca Owen, FSA, MAAA
Presenter(s): Richard Braun, MD; Rebecca Owen, FSA, MAAA; Jim Toole, FSA, CERA, MAAA
The session will discuss the recent studies using the CDC Wonder database that show that working class white males have higher than expected mortality rates and that chronic disease plays a large part. Health actuaries will note that these same chronic diseases are an important contributor to health costs. Public health advocates will play an important role in addressing the needs of this population. The audience will be encouraged to offer insights and suggestions.
At the conclusion of the session, attendees will be able to discuss recent mortality reports and connect the dots to the cost of caring for members with advanced chronic disease.
Session Coordinator(s): Rebecca Owen, FSA, MAAA
Moderator(s): Elaine T. Corrough, FSA, FCA, MAAA
Presenter(s): Elaine T. Corrough, FSA, FCA, MAAA; Geoffrey R. Hileman, FSA, MAAA
This session will present newly completed SOA sponsored research papers and give an update on the topics and researchers doing ongoing research. There will be time for discussion and proposals of new topics.
At the conclusion of the session, attendees will be able to identify the current topics of research and determine if any of the topics in the pipeline are of interest to them.
Session Sponsor(s): International Section; Health Section
Moderator(s): Jeremiah D. Reuter, ASA, MAAA
Presenter(s): Chris Pallot; Jeremiah D. Reuter, ASA, MAAA
In recent years both the U.S. and U.K. systems have gone though significant change, yet neither has yet found the answer for long term sustainable, affordable and universal high quality care. The first speaker is a director of strategy from a major hospital in England with both payer and provider experience. A brief history of the NHS will lead to a broader description of the challenges facing the NHS and in particular the emergence of the ACO model as a means to address these challenges. The moderator and second speaker is a U.S. actuary with extensive international experience who has worked in both U.Kk and U.S. markets who will describe the parallels in the U.S. system from that which is happening in the U.K. The third speaker is a U.S. actuary with considerable experience working with the providers in the development and expansion of accountable and value-based care. Insights will be offered as to the likely future development of U.S. policy, especially with regards to the model upon which the NHS is built.
Session Coordinator(s): Jeremiah D. Reuter, ASA, MAAA
Session Sponsor(s): Investment Section; Product Development Section
Moderator(s): Matthew Cheung, FSA, MAAA
Presenter(s): Matthew Cheung, FSA, MAAA; Bala Krishnaraj; Bryan Christopher Lindsley, FSA, MAAA
This session will discuss the investment aspect of VA and FIA Hedging, which is complementary to the Product Development Section's discussion of product features. The unique features of VA and FIA hedging will be compared and contrasted.
At the conclusion of the session, attendees will be able to have an enhanced appreciation of the investment aspect of VA and FIA hedging.
Competency: Relationship Management & Interpersonal Collaboration
Moderator(s): Frank Chechel, FSA; Zohair A. Motiwalla, FSA, MAAA
Technology is enabling productivity away from the office. Many actuaries would prefer a more virtual work environment, and there are increasing amounts of data that support the idea that productivity can be maintained or increased away from the office. However, work cannot be completed successfully without remaining connected. Members of virtual teams must be able to interact and work together in a collaborative environment, regardless of their physical location. Managers must be able to communicate priorities, monitor progress, and identify and address bottlenecks.
This collaborative and interactive working session will split attendees into small groups to tackle several "virtual team" case studies. Each group will discuss how to address the challenges, share best practices and present their findings to the wider group. If you currently manage or participate in a virtual workplace or you anticipate being involved in that type of work environment in the future, this session is for you.
Session Sponsor(s): Modeling Section; Technology Section
Presenter(s): Huina Chen, FSA, CERA; Philip Gold, FSA, FIA, MAA
This session gets into the emerging technology and how it can be used to help make models efficient, including practical uses of emerging gaming processor technology. This session will also look at where the actuarial projection systems look to be going in the future, and how we can expect their performance to improve in the future and what this might mean for the types of analysis and reporting that we do.
At the conclusion of the session, attendees will be able to understand the technological aspects related to model efficiency and develop an expectation of what the future might hold.
You may also be interested in one or more of the other model efficiency sessions: 20 PD, 54 PD, 94 PD, 165 PD.
Presenter(s): Bruce Cadenhead, FSA, EA, FCA, MAAA; Donald E. Fuerst, FSA, EA, FCA, MAAA, MSPA
Variable annuity plans are pension plans in which the periodic benefit fluctuates based on a formula defined in the plan document. Variable annuity plans require special consideration in determining a valuation discount rate. In December 2015, the American Academy of Actuaries published a practice note exposure draft covering the setting of assumptions and the valuation methodology for variable annuity plans. This session will review the ideas outlined in that practice note, with a discussion of assumptions for valuation under private and public sector accounting standards as well as under private sector and multiemployer funding standards, including special discussion of valuation under PPA and HATFA. The session will also include further discussion of common variations of the "pure variable annuity" approach such as partially indexed, indexed to an external investment statistic, floor benefits and capped benefits.
At the conclusion of the session, attendees will be able to develop a robust rationale for a valuation approach for a variable annuity plan, while identifying and adjusting for special considerations in the plan design.
Country Relevance: U.S.
Moderator(s): Cynthia J. Levering, ASA, MAA
Presenter(s): Carol A. Bogosian, ASA; Arie Kapteyn, Ph.D.; George (Sandy) Mackenzie
The Society of Actuaries is partnering with the Social Security Administration to support research conducted by the Center for Economic and Social Research at the University of Southern California. The 2015 new study
How Americans Manage Their Finances
provides insight into financial stresses and financial management at all ages. It also looks into the use of financial products, debt, financial stresses and planning for the future by age group. This session will provide highlights from
How Americans Manage Their Finances
and link them to some of the findings of the SOA Post-Retirement Risk Research. The session will provide ideas for improving security at different stages of the life cycle and discuss how actuaries might be involved. The ideas presented can be used by people structuring employee benefit plans, by individuals, by financial product designers and by financial advisors.
At the conclusion of the session, attendees will be able to identify the financial stresses affecting the economic security of Americans of all ages and also understand what tools are available to manage these stresses.
Presenter(s): Paul Fedchak, FSA, MAAA; James M. Filmore, FSA, MAAA; Timothy C. Pfeifer, FSA, MAAA
This session provides an update on the current life insurance market trends in both the U.S. and Canada. While more heavily focused on the U.S. market, it will describe some key differences in Canada and how regulations, distribution and other external factors impact the differences in popular products.
At the conclusion of the session, attendees will be able to understand the sales environment of the U.S. and Canadian life markets including the latest in regulatory and consumer/product drivers.
Session Coordinator(s): Nancy Brophy, FSA, FCIA
Session Sponsor(s): Taxation Section
Moderator(s): Brian G. King, FSA, MAAA
Presenter(s): Brian G. King, FSA, MAAA; Craig R. Springfield; Jeffrey Thomas Stabach, FSA, MAAA
The panel will discuss recent developments in the taxation of life insurance, annuity, long-term care and hybrid products, including any recent IRS guidance and private letter rulings issued by the IRS. The panel will also provide an update on product related items on the IRS Priority Guidance Plan, as well as any new developments around tax reform proposals relating to products sold by life insurance companies.
At the conclusion of the session, attendees will be aware of recent developments in life insurance product taxation and the industry impacts of those developments.
Session Coordinator(s): Lawrence M. Hersh, FSA, MAAA; Timothy Gregory Branch, FSA, MAAA
Session Sponsor(s): SOA General Insurance
Moderator(s): R. Dale Hall, FSA, CERA, MAAA
Presenter(s): R. Dale Hall, FSA, CERA, MAAA; Robert C. Passmore, CPCU; Lysa Porth, Ph.D
Many general insurance lines of business have seen changes in their loss cost trends and market dynamics over the past 12 months. In this session, the presenters will cover SOA research on agricultural insurance, current trends in loss frequency experience for automobile insurance, and the changing nature of the National Flood Insurance Program in advance of its reauthorization consideration in 2017.
At the conclusion of the session, attendees will be able to understand the changing dynamics of three key general insurance products and their trends.
Session Coordinator(s): R. Dale Hall, FSA, CERA, MAAA
Presenter(s): Geoff Andrews; Kevin Oldani
This session will include a discussion between life underwriting and InsureTech executives about the emergence of predictive models and how the risk assessment paradigm is shifting.
At the conclusion of the session, attendees will be able to develop an understanding of how to successfully execute strategies to enable growth in their organizations.
Follow-up to: Sessions101 PD, 119 PD
Session Sponsor(s): Society of Actuaries
Moderator(s): Craig W. Reynolds, FSA, MAAA
Presenter(s): Carlos Arocha, FSA
You are invited to join the SOA Inclusion & Diversity Committee Chair, Craig Reynolds, and member of the International Committee, Carlos Arocha, to discuss options for increasing the opportunities and inclusion for Latino actuaries in the Society of Actuaries, including options for forming an ongoing organization or group devoted to this topic. This will be a great opportunity to be involved in the early stages of such an important effort, while networking with other actuaries interested in diversity and inclusion issues. Wine, beer and drinks, as well as appetizers will be provided.
This reception is open to all meeting attendees free of charge and limited to 30 persons. If you plan to attend, you must register in advance to obtain a ticket.
Session Coordinator(s): Carlos Arocha, FSA
Demonstrating the listening, writing and speaking skills required to effectively address diverse technical and nontechnical audiences in both formal and informal settings.
Adhering to standards of professional conduct and practice where all business interactions are based on a foundation of integrity, honesty and impartiality.
Identifying and incorporating the implications of economic, social, regulatory, geo-political and business changes into the design and delivery of actuarial solutions.
Initiating, innovating, inspiring, creating or otherwise acting to influence others regardless of level or role toward a common goal.
Creating mutually beneficial relationships and work processes toward a common goal.
Applying the actuarial knowledge, skills and judgment required to provide value-added services.
Anticipating trends and strategically aligning actuarial practice with broader organizational business goals.
Providing effective problem solving that addresses relevant interests and needs.
More information on the Competency Framework
Member Price: $0
Nonmember Price: $450


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In some of our recent blog posts we have been looking at how best to use Facebook for business. If your business isn't already using Facebook then it's a certainty that you're missing out on a range of benefits, from increasing brand visibility, improving brand reputation, delivering targeted traffic to your website and gaining hugely valuable market research from the people who really matter.
Yet all too often businesses go about using Facebook the wrong way. Making the wrong choices early on can prove to be very limiting quite quickly, precluding several key benefits from ever being possible. One of the biggest decisions right from the start is whether to create a profile page or a fan page for your business. Not everyone realises that there is a choice, and both those who have limited or no experience of Facebook and those who already have a personal profile page often launch happily into creating a business profile page without any real thought as to the alternative.
However, there is an alternative to creating a Facebook profile page for a business, and it's the fan page or business page. One of the main things to be aware of is that creating a profile page for your business is technically a violation of Facebook's terms and conditions (not something many people realise.) This is critical, because it is possible for Facebook to close down a business profile page if it is found to be in breach of the terms.
This could be disastrous, and so it pays to make sure that you get things right from the very start. It's also worth nothing that you're not allowed to have more than one profile page anyway, and if you've got your own personal profile page, and then go on to create a profile page for your own business too this could result in one or both accounts being deleted. So the first thing to do is to make sure you create a fan page, not a profile page.
Quite apart from safeguarding the status of your page by complying with the terms of use, there are other key advantages which make a good deal more sense. For example, a standard profile allows people to gather friends. This usually involves people applying to become a friend, and then being manually approved or declined. There are two problems with this from a business's point of view. First of all, there's actually a limit on the number of friends you can have on a personal profile page, which clearly isn't good news if you're trying to develop a large client base. The second problem is that people applying to become a friend of your business need to wait for you to then spend time every day manually approving them.
However, with a business's fan page people don't apply to be friends, they simply click the 'Like' button and become a fan. This is immediate and automatic, and there's no upper limit to the number of fans you can have. This makes a good deal more sense all round. It also sounds better if your business has fans, rather than friends.
You'll also notice that when creating a profile page you need to enter items of information such as a first name and a last name. This doesn't work for most businesses, and so you're either left with the choice of using the CEO's name instead of using the business name, or somehow splitting the business name into two parts.
Other elements of a profile page such as relationship status and date of birth are irrelevant and unhelpful, whereas a fan page offers you the chance to include information such as opening hours, year founded and contact details.
So whether you've already got a profile page and realise that you really should have a fan page, or whether you're just about to get started with Facebook for the first time, make sure you subscribe to our blog for more tips and advice on making Facebook work for your business.

subset: commoncrawl


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About Us
Renata Press is located in Albuquerque, New Mexico. This state is called the Land of Enchantment, and it's a wonderful place for a business that believes in inspiration and a sense of wonder. These are both qualities that we treasure at Renata Press.
As we continue to strive to offer our readers the very best in reading enjoyment, we thank each and every one of you who purchase our books. Without you, there would be no need for Renata Press!


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The Mountain Top Cycling Club wishes you a healthy and happy holiday season! No club meeting but watch for details for our Kick off party!! We hope Santa is good to you and brings you all the cycling equipment and accessories you wanted. If you feel the need to exercise your philanthropic desires you can always make a donation to MTCC send to P.O. Box 843 Woodland Park, CO 80866.
Merry Christmas! No Club MeetingComments Off on Merry Christmas! No Club Meeting
Categories: News


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While recording business transactions in the books of accounts, we assume that the business will be carried on indefinitely. That is why, the business purchases fixed assets like land and building, plant and machinery, vehicles, furniture. etc. If the concept of going concern is ·not there, we would have hired these assets and not purchased. These assets have been acquired for use and not for sale, so we maintain individual assets account and charge necessary depreciation on it.
According to International Accounting Standard "The enterprise is normally viewed as a going concern, that is as continuing in operation for the foreseable future". It is viewed that the enterprise has an intention to be carried on for longer period. The concept of assets, liabilities, capital, revenue and expenses used in the accounting operation prove that the firm has to last long. Planning, organising and personnel policies substantiate the fact that the business has been assumed to be going entity. It is binding upon every accountant to treat business activity as a continuing process and record transaction accordingly.


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제안 라스베가스 카지노 추천_무료 등록 오늘의스포츠중계_라이브벳 주소
Let's imagine you want to buy two pounds of Golden Delicious apples.? Unfortunately, you are too busy to go to the grocery store yourself, so you send your son to buy the apples.? Now, suppose that instead of going to the grocery store and buying the apples, your son goes out and finds a dozen strangers, tells these dozen strangers several stories about the types of food you enjoy eating, and then tells the strangers to go out and buy you some food.? Does it seem very likely that they will buy you two pounds of Golden Delicious apples?
Now, let's imagine you are God.? Imagine you have realized (in your infinite wisdom) that the laws of the Old Testament aren't working very well, so you decide to make a new covenant with the people of earth.? Unfortunately, you are too busy to go to earth and tell them this new covenant yourself, so you send your son, Jesus.? Now, suppose that instead of just going to earth and telling the people of earth what you want written in this new covenant, your son goes out and finds a dozen strangers, tells these dozen strangers various stories about the type of new covenant you want, and then tells the strangers to go out and, in their own words, communicate your new covenant to the people of earth.? Does it seem very likely that they will accurately communicate this new covenant?
Have you ever played the game of Telephone?? The game of Telephone consists of making a line of people, whispering a story to the first person in line, having that person whisper the story to the second person in line, having that person whisper the story to the third person, etc., until the story reaches the last person in line.? The last person in line then tells the story out loud so everyone can hear, and then the original story is read out loud so everyone can compare the original story to the story that reached the end of the line.? There's a good chance the story has changed a lot.
So, here's my question:? why did God play a game of Telephone by sending his son to earth, having his son find a dozen strangers to tell God's new covenant to, and then having those dozen people go out and communicate God's new covenant to the people of earth?? Wouldn't it have made a whole lot more sense for God to simply communicate his new covenant directly to the people of earth?? Couldn't God have…oh, I dunno…just broadcast his voice over the entire planet, so everyone could hear directly what God wanted in his new covenant?? Why all the hassle and delay of conceiving a son, raising that son to be without sin, putting that son through all sorts of tribulations with pharoah, crucifying that son on a cross, raising that son from the dead, etc.?? Why not just go straight to the people and tell them what you want?? Indeed, wouldn't that have made a much bigger impression on us earthlings — everyone on the planet suddenly hearing the same voice (in each person's own language) with the same message?? People would have been asking each other, "Hey, did you hear that voice?? Yeah, I did, too.? Wow, there's no doubt about it now — God really exists, and now we know just what he wants!"
But even if God didn't want to go that route, why didn't he at least have Jesus write his own book of the Bible:? the autobiographical gospel of Jesus?? If God wanted a written record of the life of Jesus and of the new covenant that God wanted to create, then why not simply have Jesus write it?? Wouldn't that have made a lot more sense than playing an elaborate game of Telephone with a dozen strangers?
I can tell you one thing:? if I were God, I'd have gone directly to the people with a nice speech…maybe some fireworks for entertainment…helium balloons for the kids…maybe even a fancy PowerPoint presentation highlighting the main features and benefits of my new and improved covenant.? Sure would be easier than raising a son to do the job for me.
Category: Religion
About the Author (Author Profile)Grumpypilgrim is a writer and management consultant living in Madison, WI. He has several scientific degrees, including a recent master's degree from MIT. He has also held several professional career positions, none of which has been in a field in which he ever took a university course. Grumps is an avid cyclist and, for many years now, has traveled more annual miles by bicycle than by car…and he wishes more people (for the health of both themselves and our planet) would do the same. Grumps is an enthusiastic advocate of life-long learning, healthy living and political awareness. He is single, and provides a loving home for abused and abandoned bicycles. Grumpy's email: grumpypilgrim(AT)@gmail(DOT).com [Erich's note: Grumpy asked that his email be encrypted this way to deter spam. If you want to write to him, drop out the parentheticals in the above address].
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온라인 슬롯머신Trackback URL | Comments RSS Feed
Please replace "cross" with "T" – that would be more accurate. Otherwise thanks for this nice post. ??
The media would then be forced to dismisss the entire phenomona as *swamp gas* causing mass hallucinations by the UN and any other agencies who do not wish to seek the truth of God. LOL


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Backed by over 35 years of experience and scientific research into what makes happy, successful relationships, it's a method of matching you to a potential partner with the highest chances of success.
That means more time to get to know possible dates and less time spent trawling to find someone you like.
The good news is that most of the disadvantages to online dating can be overcome by a little forethought. Chance to meet people you normally wouldn't meet This is arguably the greatest advantage of online dating.
There just isn't enough time in the real world to sort through all the random people you meet every day.
Here's why, along with tips and suggestions on how to make the site work for you."What is Ok Cupid? It's also extremely accurate, as long as (a) you're honest, and (b) you know what you want.
We don't claim to evaluate you perfectly, but we do claim to find someone who claims to fulfill your claimed requirements, exactly.""We aim to be the best matching service on every front: superior technology, better math, better psychology.
you both are more literary than most people your age, or one of you is less adventurous), the option to have friends 'tag' your profile with recommendations, a list of similar users to yourself or others, and the ability (after answering a certain number of questions) to create questions for everyone else to take and match other users with.
It takes forever just finding someone interesting let alone finding someone interesting AND single.It has primary operations in Cable Television, Newspaper publishing, High-speed Internet and Residential Telephone services..read more » Paul Block emigrated from Germany to upstate New York in 1885, and began in the newspaper business as a young man in Elmira, NY, and later in New York City.And of course, it's free, unlike all the others."Membership includes access to all of the tools, quizzes and matching features after signing up - which takes no more than 30 seconds.Other than the now-standard dating site fare (emails, instant messaging, photo galleries, journals, and search functions), Ok Cupid also offers its members a "Quick Match" feature (instant matching), the ability to see exactly where you and someone else match up (i.e.Here are a few excellent tutorials to walk you through the process should you need some extra help learning the in's and out's of the system: As of 2016, only the Locals feature still remains, and only through the i Phone or Android apps.


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Short Sleeve Interlock Polo with Picot Collar (Feminine Fit)
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Our most popular girls polo adds a playful twist to this classic essential with cute flower buttons.
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The Confederate battle flag flown in front of the state Capitol in South Carolina is finally down. Welcome to the 21st century South Carolina!! A brief ceremony started at 10:00am this morning. After more than 50 years the flag was lowered.
COLUMBIA, S.C. — Closing a chapter on a symbol of the Deep South and its history of resistance and racial animus, South Carolina on Friday lowered the Confederate battle flag from outside its State House, where it had flown for more than 50 years.
The flag came down amid heavy security and loud cheers at a Friday morning event that followed days of emotional debate in the State Legislature and, on Thursday, the final approval of Gov. Nikki R. Haley, who had pledged that the symbol would be lowered "with dignity."
Shielded across the decades by both Democrats and Republicans, the flag left its pole outside the State House only 23 days after nine black churchgoers were killed at Charleston's Emanuel African Methodist Episcopal Church.
The flag, which flew above the State House before it was moved in 2000 to a spot next to the Confederate Soldier Monument, had long been a subject of deep disagreements and public protests. But it was the June 17 massacre at the church, which the authorities have described as a hate crime, that provoked Ms. Haley and scores of other elected officials in both parties to demand the battle flag's removal.
While watching the video you can hear the chants of U.S.A. and then the crowd broke out into Na Na Hey Hey Kiss Him Goodbye by the group Steam.
After the flag was lowered it was folded by members of the South Carolina Highway Patrol Honor Guard. It was then handed over to fellow Honor Guard Lt. Derrick Gamble who was the last person to handle the flag.
COLUMBIA — There was no denying it was a powerful sight:
Lt. Derrick Gamble, a black man, carrying away the Confederate battle flag forever from the place where it flew for more than 50 years. A symbol of division, a reminder of a painful past, rolled tightly with a ribbon in the palms of his gloved hands.
Humbled and poised in his crisp gray uniform, Gamble said his role in Friday's Honor Guard ceremony permanently furling the rebel banner was just "another mission."
"To me, maybe it hasn't sunk in," he said, "but it's just part of what we do."
The flag has been moved to the Confederate Relic Room and Military Museum which is located near the Capitol.
I'm happy to see that the flag is finally down but why did it take the massacre of nine people in a church to make it happen?


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Upon signing up you will receive the 2 e-courses:
These teachings will set the foundations of your healer path and prepare you for the live Esoteric Healer Immersion! (Psst...The Immersion is included when you sign up!)
What is the The Mystic Temple?
Please note the Mystic Temple will open in late 2016
The Mystic Temple is a new component to the Moondaughter Mystic School! It is a virtual sanctuary and private space for the students on this path. There are different rooms within the Temple to bring more focus and meditation to each aspect students are learning about. Each room will be occasionally updated with new content! In the Esoteric Healer path you have access to the rooms below. The Metaphysical Adept student has access to the whole temple:
Celebrate the womb with sacred menstrual practices (available to all women in the Mystic school)
Dive Deep into the bones of Mother Earth
Meditate on each chakra energy realm
Esoteric Healing Immersion
You will receive all the video recordings and meditations and have access to the Healer Portal!
This is an 8 class intensive diving deeper into the realms of Crystal Healing and Chakra Alignment and merging them into a healing, soulful practice.
Classes 1 thru 4:: Alignment
The first 4 videos build upon one another with in-depth crystal and chakra practices to align your energetic body.
Classes 5 thru 8:: Cosmic Chakras
We aligned with the chakras in our bodies and now we explore the chakras in the grand cosmic weaving of the Universe:
After the intensive you will submit your reflection form (which will be provided at the end of the intensive) and receive your Esoteric Healer certificate in the mail!
Payment Options
Pay in full $111
2 e-courses: Stone Medicine & Chakra Rhythms
Private Forum Community with kindred spirits
Esoteric Healer Portal with all 8 calls, meditations, and handouts!
Access to the Crystal Cave & Chakra Spa in the Mystic Temple!


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Lloyds Bank Foundation for England and Wales – Invest Programme Open
The Lloyds Bank Foundation for England and Wales provides funding to enable charities and CIOS in England or Wales to break or prevent the cycle of disadvantage.
The Invest Programme's funding will support longer term core or direct delivery funding for charities which are delivering clear outcomes as a result of their work with people aged 17 years and older who are experiencing multiple disadvantage through one or more of the following transitions points:
• Offending.
• Children and young people leaving a care situation.
• People moving from community based or institutional care for mental ill health.
• Unemployment.
• Homelessness/vulnerably housed.
• To independent living for those with a learning disability.
• From dependency on alcohol, drugs, gambling.
• From an abusive or exploitative relationship – domestic violence.
• From trafficking or sexual exploitation.
• To UK settlement – refugees and asylum seekers.
• To parenthood for young parents.
• Those taking on caring responsibilities.
• For older people losing independence.
Funding is available for core organisational costs which are related to the day to day running of the charity. Consideration will only be given to requests for core costs where over 50 per cent of the charity's work and expenditure meets the Foundation's criteria.
Funding is also available for costs associated with the direct delivery of the charity's work.
Grants are available for between £10,000 and £25,000 per year for two or three years, with the opportunity for continuation funding for a further period of up to six years in total.
There is a two-stage application process. The deadline for initial applications to the Invest programme is 16 June 2017.
Further details are available from: https://www.lloydsbankfoundation.org.uk/our-programmes/invest/ or email: firstname.lastname@example.com


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|Justice League of America >> View Post
Subj: Rac Shade (JLD question)
Posted: Thu Jan 19, 2017 at 08:41:37 am CST (Viewed 450 times)
I was just doing some light reading of the series, and my question is: What actually is Shade's power set? I keep reading force fields and fear manip, but from scans it sort of reads like he is quasi-reality manipulator. Does he teleport? telepathy? Any insight would be helpful
Imperious Rex!


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Deborah Sue (Penfield) Park, 62, of Elizabethtown, a loving wife, mother, grandmother, daughter, sister and friend, lost her courageous battle against cancer on January 4, 2018 while surrounded by her family. Born on February 6, 1955, she was the daughter of Sue (Pifer) Penfield and the late Roy Penfield. She was the beloved wife of Martin Park for 32 years.
Deb was a sweet, caring, selfless woman who always thought of others first, saw the good in everything and everyone, and always had hope for the best. Above all she deeply loved her family, especially her husband, Marty, and spending time with her grandsons, Aden and Ethen. She enjoyed traveling to Florida to see her mom, sister, nieces and nephews, and liked to converse with friends and enjoy their company. She also loved cats and dogs and the ones that were part of her life over the years brought her much joy.
In addition to her husband and mother, Deb is survived by her two sons, Daniel Park (Troy Cales) of Philadelphia, Jesse Jones of Elizabethtown; two step-daughters: Stacey Thomas (Michael) of Enola, Jennifer Maiorana (Croce) of Muncy; a sister: Cindy Allen of Deltona, Florida; two grandchildren: Aden and Ethen; and six step-grandchildren: Alexander, Owen, Benjamin, Roman, Salvatore, and Jillian.
In keeping with Deb's wishes, services will be private and at the convenience of the family. Arrangements have been entrusted with the Miller-Finkenbinder Funeral Home & Crematory, 130 North Market Street, Elizabethtown, PA 17022, 717-367-1543.
In lieu of flowers, contributions may be made in Deb's memory to Carolyn's House, 1701 Linglestown Road, Harrisburg, PA 17110.
Memories and condolence may be shared at www.FinkenbinderFamily.com
Charitable donations may be made to: Carolyn's House
1701 Linglestown Road,
Harrisburg PA 17110
Tel: 1-717-236-0000
Web: http://www.hospiceofcentralpa.org


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Easter Craft Ideas and Projects
What better way to celebrate the first holiday of spring than with Easter crafts? We have fun spring and Easter craft ideas that are perfect for kids and all levels of crafters. Find all the inspiration you need for Easter craft projects below. Click on any project image for detailed instructions, tips and supply lists.
Easter String Art With Free Bunny Template
Mini Bunny DIY Easter Baskets
DIY Bunny Treat Baskets with Free Printables
DIY Rainbow Easter Egg Mantel
DIY Easter Egg Basket Wreath
Colorful Wooden Easter Egg Craft
DIY Spring Surprise Bath Bombs
Pastel Spring Candlestick Birdhouses
DIY Spring Nest and Egg Mason Jar
DIY Bunny Pinata Place Cards
Easy Easter Bunny Garland
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Tuesday 3.11.2015
Birmingham Poppy Day
Join us on Cathedral Square to hear the Royal British Legion Band playing to celebrate Birmingham Poppy Day! The cathedral will be lit up red for the whole of the Remembrance season (3rd to 11th November).
Birmingham Poppy Day is a mass-collection day across the city using uniformed military personnel and a wide spectrum of civilian volunteers; embracing the youthful, diverse nature of the city, building a future for Birmingham on the hard fought foundations of our past.
Time 1:00 p.m. - 4:00 p.m.
Venue Cathedral Square


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Just as I had suspected would happen, Harry avoided me the rest of last week and all of this week. Sitting on your arse all day and texting is not what I classify as a normal Saturday.
Well, at least I had friends to text, right? Looking at the bright side of things, Jade, good job. I've noticed that I talk to myself a heck of a lot more lately. It's starting to get rather peculiar. I mean, I never used to do it this much. Sure, I did it every once in a whilst, but not like now. Now it has just gotten out of control.
As I walked past my dresser to go to my bed, my phone vibrated in my back pocket. I took it out and saw that it was a text from Dahlia. Once I was situated on my bed, lying flat on my stomach across it, I opened the message and read it.
To Jade:
Hey girl! So, have you heard anything from that guy that was like your personal superman in the cafeteria?
I sighed before texting back. If I wanted to see him again, I knew I had to lie and say that we haven't seen each other at all. It just sucks to have to lie to your friends about something you'd prefer to burst out the details of.
To Dahlia:
Heey! You mean Harry? No, I haven't spoken to him since. Why?
To Jade:
Ooh, now you're on a first name basis with the school's bad boy? Someone's a daredevil! ;)
To Dahlia:
Ha-Ha, very funny. Seriously, there's nothing going on. He just punched some kid in the face for me, that was all.
After that text, she seemed to lose interest in him. Thank the Lord. Once she gets going about something, it's hard to stop her. Luckily she had bought into my lie and didn't suspect a thing. Trust me, if she had, I'd be sitting here for eternity trying to sway her opinions on the situation.
The thing was, I actually fucking missed him. Why? Why the hell do I miss someone who was such an ass to me the last time we saw each other? It makes no sense and I'm almost positive that I'm losing my mind.
Any normal girl would be like eff him. Well guess what? I can't flipping do that! And you know why? I don't even know! That has to be the best part.
I buried my face in my pillow and screamed. No, I do not scream often; I'm not a girly girl that freaks out over boys and stupid stuff. But for whatever reason, I was being like that with Harry.
He was literally driving me crazy. Is it fun for him to mess with a girl's mind or something? Does he find pleasure in making someone want to rip out their hair? I'm beginning to consider the possibility of that being a big, fat YES.
You know what, it's probably just pms. I need to just get a huge tub of Ben & Jerry's and sit on the couch stuffing my face with it whilst watching movies. No, not chick flicks, but maybe something more like an action or comedy. Yeah, that sounds like a plan.
Corruption™ (Punk Harry Styles)Fanfiction
[on going] What if one boy could flip your whole world around in just a matter of weeks? [first posted July 2, 2013] Copyright © 2014, ForeverDreamingx™ ALL RIGHTS RESERVED. This book contains material protected under International and Federal Copyr...


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Or after complete publish you may click on page elements tab then add page element then AdSense for posting there on your blogger and the system will guide you to sign up AdSense automatically.After sign up Google AdSense as a publisher, And the codes will automatically be placed in your pages after you select the page element and the size and colour combination. And each time the page is visited, the java script will pull advertisements from the AdSense program as related and targeted to your content. . The ads that will be targeted and will be related to the content of your web page displaying the ads. If a visitor clicks on an advertisement, you, as a publisher serving the ads, will earn a portion of the money as commission that the advertiser is paying to the Google the search engine for the click. OK Friends you sign up the AdSense program and earn from your quality writing , Best of Luck !!!
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Software specialist 1st Software is sponsoring the Institute of Financial Planning in support of its wealth-planning approach to financial advice.
The firm says it predicts a polarisation of the market between those providing financial advice and those offering financial planning, and for this reason it is offering support to the IFP which promotes fee based and professional qualifications.
IFP chief executive Nick Cann says: "We see technology as a vital tool to enable financial planner to run their businesses efficientloy and we are delighted 1ST has agreed to become a main sponsor."


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Candida Related Complex is not a contagious condition. However the genital yeast can be contagious for some. east does not become a problem for us just because someone else who is having a problem keeping their yeast population under control kisses us or makes love to us. It is a disease that I do not see as contagious. Genital yeast is different and it can be passed back and forth causing troublesome topical issues but this problem does not then travel into the rest of the body. You may have yeast or fungus in the body and then develop it in the genital area but I do not believe that it works the other way around.
We all have candida albicans and other common yeast living in us already. It is our own immune weakness, drug treatment, diet, lifestyle, etc that make us susceptible to it –allowing it to grow out of control Any mobile yeast that one can be exposed to through contact with someone with severe CRC, would be cellular yeast as the really aggressive, problematic, fungal yeast, can't be transmitted through your body fluids. The cellular yeast wouldn't be a problem unless one is already succumbing to CRC and in that case, I cannot imagine that the few yeast cells that could be passed on through physical contact could make much of a negative difference.
A man with genital yeast can pass it on to his partner in the form of vaginal or bladder yeast problems and vice versa. Using contaminated towels or having genital skin contact with contaminated bedding can pass some genital yeast to another person. Using vinegar to wash intimate laundry can help to kill yeast on the fabric.
An individuals total inner health is often referred to as their bodys terrain. If the terrain is strong and healthy, then pathogens like candida yeast will not be able to take over. If however, beneficial bacteria levels are low and other body systems are weak, then an intestinal infestation of candida can occur.
If either of you or both of you are experiencing recurring genital yeast, you may wish to use condoms to prevent re-infecting each other.
If a man has genital yeast, he can display redness, a rash, a discharge or bladder irritation. And sometimes it is not that evident. Your MD can do a swab for a man as he can for a woman.
The Whole Approach program is designed to address both forms of candida overgrowth.
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