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Side dish
Green Beans Two Ways
2 tablespoons olive oil
3 cloves garlic, minced
2 pounds fresh green beans, trimmed
Salt and ground pepper
For the bacon and blue cheese topping:
1/2 cup crumbled cooked bacon
1/2 cup crumbled blue cheese
1/4 cup chopped scallions
For the sweet-and-spicy coconut topping:
1/4 cup honey
1/2 teaspoon red pepper flakes
1/2 cup toasted coconut flakes
In a large skillet over medium-high, heat the olive oil. Add the garlic and saute for 2 minutes, or until softened. Add the green beans and saute until just tender, 8 to 10 minutes. Season with salt and pepper.
Choose one of the two variations and gently toss all ingredients for either one together with the green beans in the skillet. Makes 8 servings.
Per serving bacon and blue cheese variation: 110 calories, 60 calories from fat (55 percent of total calories), 7 g fat (2.5 g saturated, 0 trans fats), 10 mg cholesterol, 8 g carbohydrate, 4 g fiber, 3 g sugar, 4 g protein, 190 mg sodium.
Per serving sweet-and-spicy coconut variation: 120 calories, 50 calories from fat (42 percent of total calories), 6 g fat (0 saturated, 0 trans fats), 0 cholesterol, 17 g carbohydrate, 4 g fiber, 12 g sugar, 2 g protein, 60 mg sodium.


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Test drive our Demo Online Course and get familiar with typical course elements and features, learning platform navigation and using learning resources.
"Top 25 Criminal Justice Professors"
Dr. Gennaro F. Vito, professor in the Department of Justice Administration at University of Louisville has been featured as one of the "25 Top Criminal Justice Professors" by ForensicColleges.com.Read more...
UofL offers an application fee waiver for students applying for summer and fall 2014 semesters. Contact UofL Admissions Office today! Read More...

subset: commoncrawl


text:
|01 Nov 2009
Windows 7
Album Art corruption
Hi all,
I've been having some trouble tagging MP3s. I've got a fairly extensive music collection which I keep properly tagged with Jaikoz and Musicbrainz. But just about everywhere the embedded album art comes up, it's looking corrupted or sometimes just plain black. This is happening in Explorer, WMP and WMC. Here's what I know:
- The actual embedded artwork isn't corrupt - it displays fine in third party programs like Jaikoz.
- It seems to be related to that bug in the beta builds where metadata got corrupted if the file header went over 16k. It does display fine if I extract the artwork, reduce the file size and replace the embedded artwork with the reduced one.
- It's not an issue of corrupted art being left in a cache somewhere. I'm on a clean install, and I've gone to pains to delete the WMP art cache, all the folder.jpgs, and so on and so forth.
Something strange has started happening after leaving it on overnight with WMP running. Some - but not all - of the albums have got their correct artwork back. There doesn't seem to be any rhyme or reason to which ones have and which ones haven't.
Either way, I'm frankly at the end of my tether with this. I don't want to have to have all of my album covers as tiny, low-quality jpegs.
Thanks in advance,
|My System Specs
|26 Nov 2009
I've had the same problem.
It's seems Jaikoz is screwing up the tags. I know i've trusted Jaikoz too
But after I get mp3's into mp3tag, select them all, do a "tag cut" and then do a "tag paste" it fixes them. It also makes them smaller in size if they have large gaps from large artworks that had been deleted from them.
You'd have to wipe wmp's library database AND the artwork cache for the re-scan to be sucessful.
So my workflow now is:
mp3gain - remove gain info
jaikoz - sort every detail out
mp3tag - fix jaikoz's stuff up's
mp3gain - apply album gain to all
wmp - scan without volume levelling
Too many steps if you ask me but it seems to work well.
|My System Specs
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2 Emerging Market Stocks Set for Growth
It's worth investors' time to check out lesser-known opportunities in Thailand and Brazil, Neil George of The Pay Me Strategy tells MoneyShow.com. Corporate bonds of US-based financials can also offer hidden gems, he says. Listen to the complete interview here. Kate Stalter: We are speaking with Neil George. You can find [...] [...] more>>
Kate Stalter,Contributor


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Spring has now sprung, and as the heat starts to roll in that means that many of us in the South will begin our regular migrations to large bodies of water. And few things make for a better feast for friends at the beach or lake than a good ole' fashioned low country boil.
I spent his past weekend at the beaches of L.A. – that is Lower Alabama for those of you not from this neck of the woods – and put together my first boil of the season. Beyond the fact that most people can't help but enjoy a bounty of seafood, the Low Country Boil is a favorite of mine because it is A – extremely easy to do and difficult to mess up and B – the people that you feed are always more impressed with your work than they probably should be.
One of the biggest issues that I have with other people's LCBs is that they go too light on the seasoning. Many recipes simply call for "Old Bay to taste", and a lot of folks wind up under seasoning the food. Or if you are working off of the directions off of a boil-bag box, you only use one for a boil for 10+ people, and you can barely taste the difference. The secret to the success of my Low Country Boils is to be aggressive with the seasoning, and it has not failed me yet.
For this particular boil, we excluded the potatoes – ok, fine…we completely forgot them – but we grabbed a couple of baguettes and that made up for it. For a group of 10 guys, we used 5 lbs of Snow Crab, 3 lbs of large shrimp, 3lbs of crawfish, 3 lbs of andouille sausage and 8 ears of corn. Despite missing the potatoes, this was the perfect amount for a group our size.
I don't usually have a prescribed level of seasoning, because as I watch the pot boil and sip a few cold ones, I start throwing in whatever suits my fancy at the time. This past weekend, I used 2 boil bags (one spicy Zatarain's and one plain), a few healthy dashes of hot sauce, 4 sliced up lemons, and dumped a few light beers in there for good measure. It was fantastic, if I do say so myself, and easy as can be.
What about you? Do you have a favorite Low Country Boil secret? Would you like to share with the rest of the class?
Here is the complete recipe for those that are interested:
Jon Watson's Gulf Shores Low Country Boil
Serves 10 w/out potatoes, 15 with
5 lbs of Snow Crab legs (frozen)
3 lbs of large shrimp, unpeeled
3lbs of crawfish
3 lbs of andouille sausage, cut into 2-3 inch pieces
8 ears of corn, cut in half
2 boil-in-a-bags (Spicy optional)
6 lemons (4 cut in half for the boil, 2 sliced into wedges for garnish)
1-2 light beers
Hot sauce to taste
Cocktail sauce and lemon butter for dipping
Large pot (a turkey fryer works well for a large group)
OPTIONAL: 5 lbs new potatoes, cut in half (not pictured)
Add the boil bags, lemon halves, beer, and hot sauce to a large pot of water, filled to about half way, and bring to a boil. Once boiling, add the sausage and potatoes if included and cook for roughly 10 minutes. Next, add the corn and crab and cook for another 5-7 minutes. Finally, add the shrimp and crawfish and cook for no more than 3-4 additional minutes.
Remove contents from the pot and lay out on a newspaper-covered picnic table. Serve with cocktail sauce and lemon butter (optional). Enjoy.
- By Jon Watson, Food & More Blog
April 27th, 2011
1:39 pm
Good stuff, John.
But snow crab in a low country boil? For shame…blues, man, you gotta have blues.
Great tip on adding the shrimp and crawfish at the end. Far too many boils end up with overcooked, tough shrimp. I like to pull the pot off the heat and add them last…as Paul Prudhomme, (I think) says, all you really want to do is heat the shrimp all the way through.
All you are absolutely right on the seasoning. If the corn doesn't have that saturated, spicy, taste, you're not using enough.
April 27th, 2011
2:36 pm
You gotta have some onions in there, and my good friend from New Orleans told me you always need to drop in a whole head of garlic (at least one) just sliced in half width-wise to expose the cloves & dropped in. Goes great on the bread too. I usually add some bay leaves, too (on top of what is already included in the boil bags).
For spicier/more flavorful boils, the key is to to let it sit in that mixture to soak up the spice.Turn off the pot when you add the shrimp/crawfish at the end & the residual heat will cook it. I've also seen everything boiled for a couple of minuts & then ice added, which work well (but you need to compensate for the additional water from the ice, so make it REALLY spicy). But just let it sit for a while (like 30 minutes to an hour) in that broth after it's done to get good & spicy.
April 27th, 2011
3:59 pm
I've been doing boils for 10-15 years, for crowds ranging from just me and a friend up to 30-40 people. This year I finally happened upon one of the best recipes I've ever found–everyone agreed these were perfectly spiced (hot!), tasty, and properly cooked.
One secret for cooking the shrimp correctly–don't add frozen shrimp to the boil! You have to thaw them first, either in fridge or by using hose and strainer. If you throw them in frozen, the heat differential will cause proteins on the shrimp flesh surface to bond with the shell–makes it devilish to remove those shells.
Here's that great recipe from the out-of-print book "Lee Bailey's New Orleans" by Lee Bailey with Ella Brennan. It's awesome!:
Boiled Crab, Crawfish, Shrimp, Corn, and Potatoes
15 quarts water
8 lemons
3 pounds onions, peeled and sliced thick
4 bags Zatarain's Seafood Boil (we used 4 lbs. worth, which comes in a large tub)
3 cups coarse salt (we omitted)
2 cups Louisiana Hot Sauce
1/2 cup cayenne pepper powder
3 heads garlic, halved crosswise
6 bay leaves
2 cups whole peppercorns
4 pounds small new potatoes, scrubbed and unpeeled
12 ears corn, shucked and broken in two
18 live crabs (we omitted)
4 pounds fresh shrimp in shells, defrosted
15 pounds live crawfish
3-5 pounds andouille sausage (we added)
Put the water in a 20-gallon pot. Cut the lemons in half, squeeze their juice into the water, and drop in the rinds. Add the onions and seasonings. Bring to a boil and cook for several minutes to develop flavors. When the boil tastes very hot and salty, it's ready.
Add the potatoes and boil for 4-5 minutes. Add the corn and sausage and bring back to a boil. Add the crabs and bring back to a boil. Then add the shrimp and crawfish and bring back to a final boil. Remove from (or turn off) the heat and let stand for 10 minutes. Drain and serve on large trays with sauces and french bread on the side.
Serves 18 to 24
April 28th, 2011
12:27 am
Snow Crab?!?!?!!?
April 28th, 2011
10:04 am
Clearly not traditional but should be great is adding Dungenese Crab to the boil. Live ones are available in many of the markets along Buford Highway and a few "Farmer's Markets" throughtout the metro area.


text:
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text:
Having a baby in the neonatal intensive care unit (NICU) is often unexpected and can be overwhelming. The highly experienced team in Rush University Medical Center's new Renée Schine Crown Neonatal Intensive Care Unit understands that family is the most important part of a baby's life, and we encourage the family to be involved in their baby's care.
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Babies treated in the NICU
Babies requiring a high level of medical attention are admitted to the NICU, including the following:
At Rush, babies come to us because they are born here (Rush has doctors who specialize in caring for women facing high-risk pregnancies) or they are brought here from other hospitals.
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Caring for babies in the NICU
The new NICU: Space to nurture and bond
The Renée Schine Crown Neonatal Intensive Care Unit provides not only the latest technology but a family-centered care.


text:
Miley Cyrus Hosts MuchMusic Video Awards, Looks Ridiculousby Hilton Hater at . Comments
When she gives interviews and utters every inspirational cliche every created, Miley Cyrus sounds ridiculous.
But the singer must be aware of this because she often makes a conscious choice to distract everyone from her nauseating sound bites by dressing in asinine outfits that focus our attention elsewhere.
At last night's MuchMusic Awards in Toronto, for example, Miley took to the stage wearing this contraption. Boy, she sure is edgy, isn't she?!?
Cyrus opened the show with a rendition of "Party in the USA," proving that the only thing she knows less about than good fashion is geography. (Toronto is located in Canada, Miles. That's a whole separate country!)
While Miley's cult members fans prepare to defend her terrible singing and transparent attempts to transform her image, we'll simply post more images of the singer at this event, along with her aforementioned performance.
Yes, I agree. I have no idea what ^ is talking about, she has NEVER had that style. Have you seen her Hannah Montana clotehs? They are as sparkly as sparkly can get.She looks like an Avril Lavigne wannabe, and really needs to pick a style and hold on to it. If she even has the brains to do that.
Um, does that classify as clothing? Cyrus needs to raid a McD's and fast. Look at how effing skinny she is! Lol Party in the Canada. Whatever, Miley.
o love you miley
gtfo you haters.
all of u back off, miley can dress in her way while you can wear a little tutu on ur fat waist! nobody's gonna care bout u, so stop bothering others! Stop bashing her!
wow i hate MC shes such a dork whoever likes her should go to a mental hospital shes a ridiculous lil tramp she cant sing or dance shes just a friggin FREAKSHOW!!!!! shes the worst singer EVER shes a bucked tooth hillbilly who was born in a trash can she sucks at everything and if we hate her it dosnt mean we're jealous so for all u stupid idiots saying we r jealous why dont u shut up becuz thats thats completly WRONG why wouldi be jelous of a girl who pole dances for fun!!!????
Yes that's exactly it - we're jealous of MC. But we can't be jealous of Beyonce, lady Gaga because we didn't say anything negative about them. As long as we bash MC We MUST be jealous. And how about checking out a thesaurus once in a while. Cussing us out only makes you sound like a bigger imbecile.
fuk man,leave miley alone!!shes gorgeous and she is very talented and u lowlifes think mileys a slut?go look at lady gaga showing her pussy and go look at beyonce jiggling her boobs in her vid.fuk man miley is just growing and she just simply doesnt like what she was so shes changing!so what! u haters and shit talkers,FUK OFF MOTHER FUKERS!u guys r just jealous that shes soo gorgeous and talented! hatrz,leave her alone and shut the fuk up before ishut it 4 u!
@Holy Cow...do you not remember she already did a few years back at some other music award show
I like you Miley a lot but i will not appriciate you for this dressup...................please DONT continue this dress!!!!!!!! ********************************
******************** ********************


text:
Cobb, Garrett wed in October 27 ceremony
Miss Erica Tyson Cobb became the bride of Matthew Taylor Garrett in a candlelight ceremony on Saturday, October 27. The wedding took place at the United Methodist Church in Lambert with the Reverend S. Andrew Ray of Senatobia presiding.
The bride is the daughter of Ms. Lucy Lamar Taylor of Marks and Mr. and Mrs. Jack Allen Cobb of Batesville. Mr. Garrett is the son of Mr. and Mrs. John Davis "Dub" Garrett of Dundee.
Brass floor candelabras banked with greenery framed the chancel where vows were exchanged. A centerpiece of greenery, peacock feathers and tapers completed the chancel decorations.
Latest News
Students protest firing of high school principal Chandler The third straight...
County library, other facilities feeling pinch of proposed budget cuts Just weeks away from...
Feuer employee makes U.S. home Some oaths are so...
Arrest made in pedestrian death A 21 year old Tunica...
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Plugged In
Charles Claburn
A former owner-operator who now drives the truck owned by "Ice Road Truckers" competition winner Ray Veilleux, Claburn is a TSE devotee. "I loved it because I didn't have to idle the truck, and I could watch TV," says Claburn, who lives in upstate New York. "It's 375 miles from one end of New York State to the other and the state has very tough idling laws. When you couldn't find a place to hook up, you risked getting a ticket. It's the same in a lot of other states."
So Claburn carefully plans his hauls of farm machinery and specialized equipment, looking for truck stops with electric service. "At $1.25 an hour you can't beat it," he says. "For example, I stopped in West Memphis, Ark., rather than go across Arkansas because I didn't think I could find IdleAir where I was going. I deliberately shorted myself eight hours of drive time because I wanted to be comfortable for the weekend and not burn $4-a-gallon fuel."
Michael Ben-Dror
An owner-operator leased to Anderson Trucking Service, Ben-Dror used to connect three to four times a week, but now he only finds service a couple times a month. "We lost so many locations in areas where I spend a majority of my time," he says, which has been mostly east of the Mississippi River.
As an early customer, York, Pa.-based Ben-Dror has window adapters for using IdleAir and CabAire heating/cooling equipment. He's upset that some truck stops have removed TSE stations. "It makes no sense to me with the emphasis on going green and [reducing] the carbon footprint that we lose the ability to turn off our trucks," he says, adding that he lets the truck stops know they should offer the service.
Ben-Dror says TSE saved him a big tow bill. His alternator was failing and the truck stop couldn't fix it. He knew if he turned off the truck, he wouldn't be able to start it again. Instead, he used an IdleAir extension cord to get power. "I charged my batteries all night and was able to start the truck the next morning and drive it to the dealership," he says.
Bryan Richardson
The owner-operator, who runs B&R Transport from Long Beach, Calif., plugged into IdleAire a few times before the company shut down and used AireDock service once in Florida.
After idling through too much diesel, though, he bought a $200 generator a year ago. He cranks up the generator when he needs heating and puts a $100 portable air conditioner in his truck window when he wants cooling.
He says the generator holds four gallons of diesel, costing him about $16 to run overnight, compared with more than twice that amount of diesel when idling. "I got tired of waking up in the morning and seeing my fuel gauge was down a bit from idling," he says.
Richardson says it requires a little effort to set up his generator outside his truck, but it's cheaper than an auxiliary power unit or idling.
Richardson's only complaint with TSE is that many parking stalls were set up for bobtails and didn't have enough space to accommodate tractor-trailers.
Bill Brady
The Las Vegas-based owner-operator, leased to Landstar, says he used the former IdleAire dozens of times before it closed.
OverdriveOnline.com strives to maintain an open forum for reader opinions. Click here to read our comment policy.


text:
Was £175.00
Now £122.50
Now £87.50
50% Off
Save a total of £87.50
Standard Delivery
Click & Collect
Brown suede leather jacket
Item No.0750101613
This brown men's jacket from Barneys comes in genuine suede leather with a mock knitted double layer and blue checked lining. It has four front pockets and a zip through fastening.
- Model chest size: 38"/97cm
- Model is wearing size medium
- Shell: 100% suede leather
- Upper body lining: 100% cotton
- Lower body lining: 65% polyester, 35% cotton
- Sleeve lining: 100% polyester
- Wadding: 100% polyester
- Mock insert: 100% acrylic
- Specialist leather clean only
- Regular fit
- Zip fastening
- Mock ribbed knitted double layer
- Blue checked lining
- Four front outer pockets, one internal pocket
- Bomber length
- Heavy weight
- Luxury suede leather
- Model height is 183cm/6'0"
Deliveries are between 8am - 6pm, Mon - Sat.
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Debenhams is happy to exchange or refund your purchase within 28 days providing the goods are in a fully resaleable condition (including tags) and not within the exclusion policy*. This policy does not affect your statutory rights. You can return unwanted items either by visiting your local store (the fastest way to get a refund), by arranging a courier collection or returning by post. Exclusions apply to selected products. For instructions on how to return products and information on Debenhams refund policy visit the returns and refunds section of the website.


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Join 500,000+ Artists
Its' free and it takes less than 10 seconds!
anyone here know if theres a school in the new york /new jersey area thats comparable to WATTS ATELIER in San Diego, CA? Any info on said school would be greatly appreciated! Thanks guys!
I dont hear nothin but praise about this place
You might try the Art Students League
Water street atelier is run by Jacob Collins. Its his personal atelier in his studio. Jacob Collins also runs the Grand Central Acadey. Amazing artist.
guitarjames|-|sweetoblivion314|-|Fishspawn|-|Blue Severin|-|fedezz|-|rayk|-|Kaoru
thanks guys but more specifically do any of these places do sculpture like watts?
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Canyon Bancorp
Offices Of Bank Holding Companies CA, United States
| OTC Markets: CYBA
Canyon Bancorp provides commercial banking services in California. It offers various checking and savings deposits, including savings, money market demand accounts, NOW accounts, time certificates of deposit, and individual retirement accounts. The company was founded on January 18, 2006 and is headquartered in Palm Springs, CA.
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Insurance business and the need for insurance cover are growing with the growing complexity of life and commerce, and, consequently, there is now a bewildering variety of insurance covers. Whatever be the kind of insurance or the object insured there are certain principles of insurance law so fundamental that they impinge upon every variety. Every contract of insurance is a contract of absolute good faith and requires some insurable interest to support it, without which it will be a mere wager.[1]
"Insurance is a contract by which the one party in consideration of a price (called the premium) paid to him adequate to the risk becomes security to the other that he shall not suffer loss, damage or prejudice by the happening of the perils specified to certain things which may be exposed to them."[2]
Insurance Contracts
Insurance contracts belong to a class of contracts and are governed by principles which govern contracts in general. They are a special class of contracts having distinctive features, such as utmost good faith, insurable interest, indemnity subrogation, contribution and proximate cause, which are common to all kinds of insurance.[3]
It is recognized that to satisfactorily define 'contract of insurance' is a matter of considerable difficulty.[4] It may be defined as a contract whereby one party (the insurer) promises in return for a money consideration (the premium) to pay to the other party (the insured) money or money's worth on the happening of an uncertain event more or less adverse to the interest of the insured.[5]
Insurance is the process by which the insurance company pays compensation to the person who suffers loss on the happening of an event which is insured. It is a transaction of indemnity and also appears to be a transaction in which one party promises to the other party to pay compensation or otherwise stands as surety for the payment of compensation. However, in the strict sense, all insurance contracts are not the contracts of indemnity.
Insurance and Contract of Indemnity
Section 124 of the Indian Contract Act, 1872 defines the Contract of Indemnity as 'a contract by which one party promises to save the other from the loss caused to him by the conduct of promisor himself or by the conduct of any person/persons'.
This section explains the loss to be compensated under the contract of indemnity. It is the loss caused to a party either by the action of the promisor or by any other person. The principle of indemnity is not effective if the loss is caused by any other natural agencies. This liability under a contract is based upon the principle laid down in the section and is governed by operation of law.
In an insurance business, the loss or damage is assessed and computed if the risk is covered under the terms of insurance contract. The financial help is available as compensation under the Indian Law of Indemnity for the loss, if the loss is a result of an act by either the promisor or any other person but not due to any natural agency like fire, floods etc.
The insurance business and the contract of indemnity under the Indian law are similar but not the same where as there is close resemblance between the two under the English law. But the principle of indemnity is applicable in most of general insurance business claim payments.
Presence of indemnity clause in a contract of tenancy or bailment, imposing a liability on the tenant or the bailer to make good the loss in fire does not change the real nature of such. contract.[6]
The liability of the insurers, in an insurance business contract, is limited to the terms of the contract. It is a direct contract and not an accessory obligation and the contract is terminated by the payment of loss or damages suffered by the assured who purchases the policy or on the date of expiry of the policy, whichever is earlier.
The insurer has the option to select the method to make good the loss suffered by the insured such as paying compensation after assessing the loss in monetary terms, or replacing/repairing the asset that is damaged on happening of the incident whereas, in a contract of indemnity, the promisor has no option but to pay according to the directions of the promise. The principle of indemnity does not apply to a life insurance business.
Insurance and Bailment
Section 148 of the Indian Contract Act, 1872, defines baiment as 'the delivery of goods by one person to another for some purpose upon a contract that they should, when the purpose is accomplished, be returned or otherwise disposed off according to the directions of the persons delivering them'.
Section 164 of the Act says that the bailor is responsible to the bailee for any loss, which the bailee may sustain by reason that the bailor was not entitled to make the bailment, or to receive back the goods or to give directions responding them.
Section 161 explains such responsibility of the bailee and payment of compensation to the bailor. But in the insurance business, the insured and insurer have their roles defined and cannot change. Under bailment, the bailee/bailor should take reasonable care as a prudent owner of the goods bailed. If they take reasonable care they need not pay any compensation for the damages suffered by the other party.
The bailee, in the absence of any special contract, is not responsible for the loss, destruction or deterioration of the thing bailed, if he has taken the amount of care of it described in Section 151 for the payment of compensation under special circumstances needs a special contract and the special contract is similar to that of insurance contract.[7] As such, the bailment differs from an insurance contract
Insurance and Contract of Guarantee
Insurance business is not a contract of guarantee. There are three parties in contract of guarantee – the principle debtor, creditor and surety, whereas in insurance there are only two parties – the insurer and insured.
Section 126 of the Indian Contract Act, 1872, states ' a contract of guarantee is a contract to perform the promise, or discharge the liability, of a third person in case of his default.' Thus, in the contract of guarantee/ surety, the surety will make a promise to the creditor to compensate him for the loss suffered by him due to the non-performance of the contract by the principle debtor.
The contract of guarantee has two individual contracts in itself. The first is between the creditor and the principle debtor and in the second contract between the surety and the creditor.
The important concept of the insurance is to transfer the risk and the loss arising from the risk, which might be incurred by the insured, to a financially sound professional risk bearer in consideration of a relatively small contribution, known as premium.
"The function of insurance is to spread the loss over a large number of persons through the mechanism of cooperation. The persons were exposed to a particular risk, and cooperate to share the loss caused by the risk whenever it takes place. Insurance not only equalizes losses and distributes heavy sudden losses over a period of time. Insurance is a cooperative device to spread the loss caused by a particular risk over a number of persons who have agreed to insure themselves against that risk."[8]
Uberrimae fidei is a Latin expression, which literally means 'the utmost good faith'.
Mere non-disclosure of fact, material or not, does not ordinarily amount to misrepresentation, and the general rule is that in order to be actionable a representation must take an active form. But in certain cases a stricter rule is enforced.
The most important of these are the contracts uberrimae fidei, in which knowledge of the material facts generally lies with one party alone. That party is under a duty to make a full disclosure of these facts, and failure to do so makes the contract voidable. The duty varies in its extent from one type of contract to another.
Contracts of insurance of every kind form the main group of contracts uberrimae fidei. Other examples generally included, though these are probably not all uberrimae fidei in the strict sense, are contracts to subscribe for shares in a company, family settlements, contracts for the sale of land, contracts of suretyship, and partnerships. Contracts of service are not uberrimae fidei, nor are contracts of sale of goods.[9]
In Jowitt's 1977 Dictionary, the term was described as follows:
"A contract is said to be uberrimae fidei when the promisee is bound to communicate to the promisor every fact and circumstance which may influence him in deciding whether to enter into the contract or not. Contracts which require uberrimae fidei are those entered into between persons in a particular relationship, as guardian and ward, solicitor and client (and) insurer and insured."
In the context of maritime law, Justice Mc Keown of the United States Court of Appeals, 9th Circuit, used these words in the February 2008 decision of Certain Underwriters at Lloyd's v Inlet Fisheries Ltd.:
"This case involves the interplay between an ancient legal doctrine and contemporary vessel pollution insurance. Historically, all insurance policies were contracts uberrimae fidei, meaning that both parties were held to the highest standard of good faith in the transaction.
The doctrine of uberrimae fidei was grounded both in morality and efficiency; insurers were considered morally obligated to disclose all information material to the risk the insurer was asked to shoulder, but such a principle was also an economic necessity where insurers had no reasonable means of obtaining this information efficiently, without the ubiquity of telephones, email, digital photography, and air travel.
The reasons which brought into being the strict marine insurance law doctrine as to disclosure go far back into the early days of marine insurance, when sailing ships in faraway seas were insured in London by underwriters who could get no information except from the ship owners.
The contract of insurance is one of mutual good faith; and the principles which govern it, are those of an enlightened moral policy."[10]
In England till the passing of the Misrepresentation Act, 1967, it was a cardinal principle of commercial law that he who buys should beware, caveat emptor and thereof in business transactions each party must take care of his interest when he buys the promise of the other and the other party is not bound to disclose any defect which an ordinary inquisition would reveal.
But even before 1967 contracts of insurance stood and now also they stand on a different footing and form an exception to this rule because the parties do not stand on an equal footing with regard to the knowledge of the subject matter or with regard to the economic aspect of the obligation.[11]
Scrutton L.J. observed, "as the underwriter knows nothing and the man who comes to ask him to insure knows everything it is the duty of the assured, the man who desires a policy, to make a full disclosure to the underwriters without being asked of all the material circumstances, because the underwriters know nothing and the assured knows everything. This is expressed by saying that it is a contract of utmost good faith – uberrimae fides. [12]
The parties entering into a contract in general, owe no positive duty towards each other beyond showing ordinary good faith. Each is expected to inform himself of all relevant facts, by making such independent enquiries as he may think prudent, as by their nature, they are or might be equally accessible to both parties. In other words, the maxim 'Caveat Emptor' which means let the buyer beware applies.[13]
The duty, if at all, is negative in nature, namely, not to induce the other party to enter into the contract by fraud or misrepresentation whether innocent or otherwise of any facts.[14] Inaccurate information given innocently can be used to avoid the policy.[15]
A person seeking insurance is bound to disclose all material facts relating to the risk involved. False answers to the questions in the proposal form given by the assured relating to the state of his health vitiate the contract of insurance. It is, however, necessary that the facts thereby suppressed should be material to the contract.[16]
This above stated principle does not apply to contracts of insurance.[17] Law demands a higher standard of good faith in these.
The uberrimae fides is the foundation on which the insurance policy is constituted. The insurer and insured are under obligations to deal with the contracts of insurance with good faith and with good intention. The product and subject matter, i.e. risks are tangible assets in the hands of the insurer and the insured. The insured, by knowing the quality and quantity of the risk, proposes for a contract and the insurer by knowing the quality and quantity of the risk, proposes for a contract and the insurer by knowing the facts and conditions laid down in the standard form of proposal and after considering the proposal sells the insurance product to the buyer. It is these reasons which impose greater duty on the parties to an insurance contract.
The principle of good faith plays an important role in the formation of a contract of insurance. The assured and insurer are under obligation to make the declaration in relation to the facts of the assured. A declaration made by the assured while filling up the proposal form, and a declaration of the insurer while accepting the proposal and issuing of policy forms a part of the contract. Any suppression of information regarding the assets which is assured amounts to not declaring the facts. If the assured, who is under an obligation to declare, is silent and does not declare the information, it amounts to non-disclosure of the facts. If the assured or the insurer has given some information which is not required and the other party acts on the information so supplied or given, it amounts to misrepresentation or fraud which is a ground to avoid the contracts. The assured, having been acquainted with the asset assured, is in a position to understand the risk available to the asset.
Material facts
The duty to disclose facts is implied. The disclosure of information should be of material facts to the insurance contract. The scope of the word 'material facts' depends upon individual case and individual circumstance. The disclosure of facts should pertain to the present position, but if information given pertains to the future position of the subject matter, then deviation from the statement does not amount to disclosure. Facts disclosed by the party after the submission of proposal and before the issue of policy amounts to bonafide declaration.
The term "material fact" is not defined in the Act and, therefore, it has been understood and explained by the Courts in general terms to mean as any fact which would influence the judgment of a prudent insurer in fixing the premium or determining whether he would like to accept the risk. Any fact which goes to the root of the Contract of Insurance and has a bearing on the risk involved would be "material".
As stated in Pollock and Mulla's Indian Contract and Specific Relief Acts `any fact the knowledge or ignorance of which would materially influence an insurer in making the contract or in estimating the degree and character of risks in fixing the rate of premium is a material fact.'
In this regard, it would be apposite to make a reference to Regulation 2(1)(d) of the Insurance Regulatory and Development Authority (Protection of Policyholders' Interests) Regulations, 2002, which explains the meaning of term "material". The Regulation reads thus: "2. Definitions.—In these regulations, unless the context otherwise requires,–
(d) "Proposal Form" means a form to be filled in by the proposer for insurance, for furnishing all material information required by the insurer in respect of a risk, in order to enable the insurer to decide whether to accept or decline, to undertake the risk, and in the event of acceptance of the risk, to determine the rates, terms and conditions of a cover to be granted.
Explanation: "Material" for the purpose of these regulations shall mean and include all important, essential and relevant information in the context of underwriting the risk to be covered by the insurer." Thus, the Regulation also defines the word "material" to mean and include all "important", "essential" and "relevant" information in the context of guiding the insurer to decide whether to undertake the risk or not.
In a Contract of Insurance, any fact which would influence the mind of a prudent insurer in deciding whether to accept or not to accept the risk is a "material fact". If the proposer has knowledge of such fact, he is obliged to disclose it particularly while answering questions in the proposal form. Needless to emphasise that any inaccurate answer will entitle the insurer to repudiate his liability because there is clear presumption that any information sought for in the proposal form is material for the purpose of entering into a Contract of Insurance.[18]
A contract of insurance falling in the category of contract uberrimae fidei, meaning a contract of utmost good faith on the part of the assured. Thus, it needs little emphasis that when information on a specific aspect is asked for in the proposal form, an assured is under a solemn obligation to make a true and full disclosure of the information on the subject which is within his knowledge. It is not for the proposer to determine whether the information sought for is material for the purpose of the policy or not. Of course, obligation to disclose extends only to facts which are known to the applicant and not to what he ought to have known. The obligation to disclose necessarily depends upon the knowledge one possesses. His opinion of the materiality of that knowledge is of no moment.[19]
The disclosure of information should be absolute without any limitations. The hiding of facts and non-disclosure of information known to him amounts either to misrepresentation or fraud depending upon the motive of the perty. Giving information with the knowledge that it is false, amounts to fraud and giving information which the party believes to be true and there is no reason to believe it to be wrong, amounts to disclosing the information in good faith. The insurer is also bound by an obligation to give the information regarding the product of the insurance contract and risks covered and method of payment of claims. If he has not mentioned to the insured, processing of insurance claims, coverage of risks amounts to not disclosing the information. Information mentioned in the policy as per Section 41 of the Act, in relation to the rebates allowed by the agent, binds the insurer.
The duty to disclose facts runs through out the continuance of contract of insurance and it is binding both parties of the contract. The character, scope and duration of an insured duty to disclose information to an insurer after the conclusion of the contract of insurance depends upon the nature of the contract and also on the judicial pronouncements.[20]
Lord Mansfield who is remembered as the father of English Commercial and Insurance law stated the principle of good faith in Carter v. Boehm[21] , thus:
"Insurance is a contract upon speculation. The special facts upon which the contingent chance is to be computed lie more commonly in the knowledge of the insured only; the underwriter trusts to the insured's representations and proceeds upon confidence that he does not keep back any circumstances in his knowledge to mislead the underwriter into a belief that the circumstance does not exist, and to induce him to estimate the risk as if it did not exist. The keeping back such circumstance is a fraud and, therefore, the policy is void." According to more recent authority the word 'void' in this passage should be 'voidable'.[22]
It is the fundamental principle of Insurance law that utmost good faith must be observed by the contracting parties. Good faith forbids either party from concealing (non-disclosure) of what he privately knows, to draw the other into a bargain from his ignorance of the fact and his believing the contrary. Just as the insurer has a duty to disclose, it is the duty of the insurers and their agents to disclose, all material facts within their knowledge, since obligation of good faith applies to them equally with the assured.[23]
Disclosure of facts and Consensus Ad Idem
Insurance contract is an agreement of consensus ad idem. It is the agreement with mutual consent on the subject matter. It is similar to the contract where the parties agree upon the facts of a contract without giving scope for a mistake either unilateral or bilateral. Insurance contract, being a contract of uberrimae fidei, creates obligation on the part of the parties to the contract to execute it with consensus ad idem and it is presumed that the statements made and facts disclosed are correct and the parties have understood in similar manner and the information is true to the knowledge of the recognized .there are no different understandings or mistakes on the part of the parties to the contract. And the doctrine of consensus ad idem also states that the parties to the contract should have the consent on the contract by understanding the insurance product and risk in a similar way.
The calculation of premium and payment of claim depends upon various terms and conditions incorporate or inserted in the policy. The parties should understand them in a proper way and have a mutual consent not only relating to the terms and conditions of risk but also relating to the consideration that is payment of insurance premium. If there is any difference of opinion or mistake in calculation of the premiums then there will not be any consensus ad idem and it leads to invalidity of the contract.
Failure to have mutual consent will lead to breaking of the contract. The disclosure is the process of providing information, to the other party, which is actual knowledge that the party making the statement has in relation to the subject matter of the contract. Thus, the insurance contracts being contracts of good faith require the disclosure of facts, which are known to the parties to the contract themselves.[24]
Specific Provisions under the Indian Marine Insurance Act, 1963
Section 19 of the Act states that insurance is uberrimae fidei. Section 20 provides for disclosures by the assured. The question as to whether a particular circumstance which is not disclosed is material or not is essentially a question of fact. What facts need to be disclosed and what need not, have clearly been laid down in sub-sections (2) and (3) of Section 20 respectively.
Section 21 of the Act provides for the disclosure by an agent effecting the insurance. A Bank acting as an agent, thus, has a responsibility to disclose all material facts.
The terms of the contract of insurance, thus, being governed by the provisions of a statute; non-disclosure of such material facts would render the policy repudiable.[25]
Insured's Duty of Disclosure
MacGillivray on Insurance Law (Tenth Edition) has recognized the assured's duty to disclose as under:
"…the assured must disclose to the insurer all facts material to an insurer's appraisal of the risk which are known or deemed to be known by the assured but neither known nor deemed to be known by the insurer. Breach of this duty by the assured entitles the insurer to avoid the contract of insurance so long as he can show that the non-disclosure induced the making of the contract on the relevant terms."
The question of the knowledge or opinion of the proposer for insurance raises three further questions – first, his knowledge of the duty to disclose, secondly, whether his opinion as to materiality is relevant and thirdly, what knowledge of the material facts on his part is required.
Whether or not the proposer knows of his duty to disclose is wholly irrelevant. Innocent non-disclosure is as actionable as negligent non-disclosure or concealment, as all the cases assume. Similarly, his opinion regarding materiality of non-disclosed facts is irrelevant even though he may have acted in good faith. It is the law that a man may act in perfect good faith within the ordinary meaning of the phrase, yet still be held not to have acted in utmost good faith in the legal sense.[26]
As for the question of Constructive knowledge, whether the insurer is bound to disclose not only what he knows but also what he ought to know, it is an open one so far as non-marine insurance is concerned.[27] However, an insurer will be deemed to have the knowledge that his agent has if that knowledge had been acquired by the agent acting in the scope of his authority 0 actual or ostensible.[28]
Insurer's Duty of Disclosure
The occasions where the disclosure by the insurer is required might be rare in practice since the circumstances material to the insurance shall ordinarily be known only to the proposed insured. Nevertheless such occasions do arise. The duty falling on the insurer must at least extend to disclosing all facts known to him which are material either
(a) to the nature of risk sought to be covered, or
(b) the recoverability of a claim under the policy which a prudent insured would take into account in deciding whether or not to place the risk for which he seeks cover with the insurer.[29]
The insurer must also inform the insured about the terms and conditions of the policy that is going to be issued to him and must strictly conform to the statements in the prospectus etc., if any,[30] or made by his agents. He must issue the policy in conformity with the terms mutually agreed to with the insured. The proposer is entitled to ask for the draft policy though in the proposal form he has agreed to accept the policy in the usual forms used by the insurer for that kind of insurance. But if he does not ask for it, he will be considered to have accepted the policy that is issued.
Waiver of disclosure raises a number of points. First are those that arise from the fact that in the majority of cases insurance if effected following the completion by the proposer of the proposal form on which a great deal of information is solicited. The fact that many questions are expressly asked does not relieve the insurer of hid duty to disclose facts outside the scope of the questions,[31] but in some cases the form of questions may reduce the scope of the duty of disclosure.
Similarly, if the proposer leaves a blank to a question which is accepted without any inquiry by the insurer, it will be taken as a waiver by the insurer of the duty for disclosure with respect to the matter covered by the question.[32]
Waiver as a result of the form of the questions asked will usually arise when the question asks for some details about certain facts or types of facts.[33] Disclosure of other details will be waived if it is felt that a reasonable man reading the proposal form would consider that the insurer did not seek the other details.
Where a question asked on a proposal form is ambiguous, a fair and reasonable construction must be placed upon it and it will be construed contra proferentem when the proposal form is incorporated into the contract. If, for, example, the answer of the proposer is true according to a construction which a reasonable man would have put on the question, the insurers cannot rely upon its inaccuracy.[34]
Legal Basis of Duty of Disclosure
In Bell v. Lever Bros. Ltd.[35], Lord Atkin said, ".. there are certain contracts expressed by the law to be contracts of the utmost good faith where material facts must be disclosed.; if not, the contract is voidable. Apart from special fiduciary relationships, contracts for partnership and contracts of insurance are the leading instances. In such cases the duty does not arise out of the contract; the duty of the person proposing an insurance arises before the contract is made.."
In March Cabaret Club and Casino Ltd. V. London Assurance[36] , May J. said, "… the duty to disclose is not based upon an implied term in the contract of insurance at all; it arises outside the contract." As Scott L. J. said, " … if it did, it would not arise until the contract had been made…"[37]
The principle of utmost good faith implies meaningful reciprocal duties owed by the insured to the insurer and vice versa. But these duties cease to exist as soon as the contract of insurance is made.[38] This also shows that the duty does not arise out of the contract. The duty of disclosure is neither contractual nor tortuous, fiduciary nor statutory in character, but is founded on the jurisdiction originally exercised by the Courts of Equity to prevent impositions.
In the Explanation to Section 17 of the Indian Contract Act, 1872, it is provided that mere silence does not amount to fraud unless there is duty to speak or silence amounts to speech. The duty referred to in the Explanation is a legal duty and not merely a moral duty to speak. It does not apply to cases where there is a positive case of active fraudulent representation which has been responsible for bringing about contract between the parties.[39]
In case of fraud, the party defrauded not only can avoid the contract but can claim damages also. In the case of non-disclosure of facts, the insurer can avoid the contract. Section 19 of the Contract Act gives to the party defrauded an option to enforce the performance of the promise made by the defrauding party or to claim damages for breach of contract.[40] The insurer cannot avoid or repudiate an insurance policy on the ground of non-disclosure of lapsed policies by the insured, which had no bearing on the risk undertaken by the insurer.[41]
Remedy for breach of duty of utmost good faith
The question whether the remedy for the breach of duty by a party to a contract of utmost good faith is avoidance of the contract or whether it gives rise to a claim for damages was considered in Banque Financer v. Westagate Ins. Co.[42] and it was held in the light of Sections 17 and 18 of the Marine Insurance Act, 1906 (same as Sections 19 and 20 of the Indian Act of 1963) that they specifically give the injured party the remedy of avoidance of the contract "and no other remedy".
Where there has been a suppression of fact, acceptance of the policy by an officer of the insurance company would not be binding on it.[43]
Inherent and contractual duties of good faith
In practice, the duty of the insured to observe utmost good faith is enforced in non-marine insurances by requiring the proposer to complete a proposal form framed to obtain all the relevant information necessary in normal circumstances, with true and complete answers, incorporating it in the policy and making it the basis of the contract.
In contracts of utmost good faith, contracting parties are placed under a special duty towards each other, not merely to refrain from active misrepresentation but to make full disclosure of all material facts within their knowledge and the principle of caveat emptor has no place.[44] This is the inherent or Common law duty of good faith and is distinct from the contractual duty of good faith.
The Common law duty is the basis and it is open to the parties entering into an insurance contract to extend the duty or restrict it to by the terms of the contract. The inherent duty of the insured is invariably got extended as his contractual duty, by requiring him to declare that he warrants the truth of his answers in the proposal form etc. this declaration goes far beyond disclosure of material facts which is the Common law duty as any incorrect answer in the proposal form will render the contract voidable at the option of the insurer. Similarly worded declarations are included in the proposal forms for life insurance by the insured as well as the insurer. The same contractual duty of good faith, therefore arises in these cases as also.
The contractual duty so imposed is such that any suppression or untruth or inaccuracy in the statements in the proposal form will be considered as a breach of the duty of good faith and will render the policy voidable by the insurer whether the statement was made innocently or fraudulently and whether it relates to a material matter or not.
In a recent case, it was urged that a mediclaim policy is issued solely on the basis of the facts disclosed and the representation made by an insured in the proposal form filled in and submitted by him without subjecting the insured to any medical tests. It was also pointed out that the proposal form contains a declaration to the effect that if after the insurance is effected, it is found that the statement, answers or particulars stated in the proposal form and its questionnaire are incorrect or untrue in any respect, the insurance company shall incur no liability under this insurance. It was, thus, asserted that the insured having suppressed the fact that he was suffering from Diabetic Nephropathy/Chronic Renal Failure, which fact was within his knowledge, the respondent was justified in repudiating the claim.[45]
An insurance proposal form is, therefore, not like many a form that is filled up for various other purposes. Great care must be exercised in filling up the proposal form. It is preferable to reveal too much rather than too little in the proposal form.[46]
Scope of Duty of Disclosure
In considering the scope of the duty of disclosure the following points may be noted:
(a) The duty to disclose extends only to material facts. So every material fact must be disclosed which he knows or ought to know. Failure to disclose may be willful to inadvertent or even due to the party's erroneous belief that the fact not disclosed is not material. Whether or not a fact is material is a question of fact. This question does not depend upon what the particular insured thinks nor even what the insurers think but whether a 'prudent and experienced insurer would be influenced in his judgment if he knew it.[47]
In LIC v. Sakunthalabai[48] the assured did not disclose that he had suffered from indigestion for a few days, the Court held that it was not a material fact and non-disclosure did not affect the validity of the policy.
(b) The duty extends only to those material facts about which he knows or ought to know. Ignorance of the fact is an excuse but of the materiality of the fact is not. There is no breach of good faith, if the party to the contract is not aware of the fact.
(c) The duty to disclose extends to the authorized agents of the insured; but this duty of the agent is limited to facts within the knowledge of the principal which are presumed to have been communicated in due course to the agent or to facts which the agent must have come to know during the course of his agency.
(d) As utmost good faith is required not only from the insured but also from the insurer, the duty to disclose all relevant facts is a mutual duty of the insured as well as insurer. This rule applies equally to all types of insurance.[49] For example, the assured must declare his state of health in a life insurance or the present condition of a building or ship in case of fire or marine insurance, as the case may be. Similarly, the insurer may be called upon to produce the last audited balance sheet for the satisfaction of the insured. The assured can however not recover damages for this breach but can only rescind the contract.[50]
(e) The duty of disclosure applies only to negotiations preceding the formation of the contract. When a relevant fact comes to the knowledge of either party after the completion of the contract, there is no duty to disclose and as such non-disclosure of such facts does not again offend the rule of good faith. For example, the insured finds on a subsequent medical check up after the policy is issued, that he is suffering from a serious complaint. The policy in such a case is not affected due to non-disclosure of a fact, though material, since it came to his notice after the policy was issued. Thus, the duty to disclose is not a continuing duty, it must be observed throughout the negotiations and continue only until they are completed and the contract is concluded.
(f) The duty of disclosure is deemed to have been cast on the insured when the insurer specifically asks a question. Whether the question asked in the proposal form is material or not or logically relevant or not, it will be deemed to be a material fact and so either a false answer or a dubious answer to such a question may amount to a breach of duty of disclosure. If the half truth given is such as does not invoke an enquiry, it amounts to no disclosure.
(g) The duty does not extend to certain types of facts though they are material. In other words, the assured is not bound to disclose the following facts unless the insurer expressly questions him about them. These are:
• Facts which he is not aware of[51]
• Facts within the knowledge of the insurers
• Facts of which the information is waived by the insurer[52]
• Facts which tend to diminish the risk[53]
• Any circumstances, which it is superfluous to disclose by reason of any express or implied warranty.[54]
The Insurance Act 1938 regulates the insurance business by defining the limitations of the insurance business and duties and liabilities of the insurers. This Act laid down various provisions for efficient and effective conduct of the insurance business.
All insurance contracts are contracts of uberrimae fidei. Any act which is against the principal of good faith, is not maintainable and attracts penalties. The insurer is permitted to disclose all information related to the insurance schemes and insurance products through advertisements and state that they are true. If any advertisement misleads or misrepresents and a contract of insurance is created because of such misrepresentation, the contract becomes void. Any contract entered into by the parties undedr the undue influence or fraud of the parties, becomes void.[55]
In East and West Insurance Co. v. Venkayya,[56] one Venkayya answered in the negative when asked if he had suffered from any illness between the date of lapse of the policy and the present application for renewal and the renewal was granted, but subsequently the company came to know he had undergone treatment for some skin trouble. It was held that under the rule of utmost good faith, the insurance company was not liable under the contract.[57]
The rule of utmost good faith has been relaxed to some extent by the Insurance Act, 1938 and now with reference to life insurance contracts, on the expiry of two years if the premium had been paid regularly, the insurance policy cannot be set aside on the ground that a fact had not been disclosed, unless there is a deliberate concealment, amounting to fraud on the insurance company.
The rule of good faith imposes the duty to make disclosure of all material facts, known or imputed, but it must be noted that a non-disclosure is not the same thing as concealment. Concealment involves a positive breach of a negative duty while non-disclosure is a negative omission of a positive duty.
Non-disclosure of material facts in the proposal form and breach of good faith are the two most deadly weapons and reasons used by insurers to shoot down a claim
India has adopted the British legal and insurance system whereby a filled-in proposal form is deemed to be on the basis of the insurance contract – also referred to as 'basis clause' in the policy. And insurance being a contract of uberrimae fidei, renders the policyholder completely at the insurer's mercy. In practice, it goes beyond the bounds of the principle of uberrimae fidei. A policyholder even after completing the proposal form to the best of his knowledge and got a policy on payment of premium might end up with a shock when the insurer rejects his claim on the grounds that he had omitted to mention some details.
The principle of non-disclosure as propounded in English Law was apt for the conditions in eighteenth century when the predominant development in insurance was in marine or transit cover, and insurance as a whole was still in its infancy.
At that time, it was common to obtain insurance cover for vessels after they had sailed. The vessel owner would likely to know more about the hazards of a particular voyage while the insurer would be completely in the dark about the ship's condition. There was no detailed proposal form for the policyholder to fill.
Further, policies at the time contained only a brief description of the risk with few warranties and conditions. Therefore, a rule of law lightening the burden of a nascent insurance market assumed vital importance.
Today, the insurer's position has altered. He requires the assured to warrant the accuracy of his answers to a long list of detailed question. The insurer also has agents to inspect the property and medical officers to inspect lives proposed for life and health insurance. The insurer also has other facilities to access scientific data and methods to evaluate a risk.
In short, the insurer is in a position to know as much or even more about the policyholder. The question, therefore is whether the insurer needs such a high degree of protection. The law as it stands today is capable of operating harshly against a policyholder.
It is relevant to note that a majority of American state jurisdictions has refused to apply the strict rule of disclosure to non-marine risks so that the assured's duty of disclosure is less onerous than in English Law. His failure to state a material fact, if innocent, does not avoid the contract. But concealment of a fact known by the assured is considered to be material to the risk.
We in India have the unique distinction of having no law as in the US or self-regulation as in the UK or any specific regulations by the regulator as in many countries to address this issue.
One way to mitigate the problem is to recognize the proposal form so that a prospect is not forced to answer questions irrelevant for an insurer to assess the risk. There is a strong case for prescribing recognized proposal forms for all insurers at least in the case of banana products like motor insurance, personal accident and fire.
As mentioned earlier, insurance is a contract of utmost good faith on both the parties to a contract – the insured and the insurer. The doctrine imposes a duty of disclosure on the insurer as much as the insured. But the only remedy that a policyholder has for breach of this principle by an insurer is avoidance of the contract and return of premium and no avenue to claim damages either under the contract or tort.
Many American state jurisdictions recognize that breach of utmost good faith by an insurer is also a tort and, hence, the insured is entitled to claim damages. Further, in India, insurers to sell and solicit business directly – without the intervention of intermediaries. The obligations and duties of insurers doing direct selling need to be spelt out explicitly. The policyholders need to know their rights against breach of good faith at the point of sale.
The duty of disclosure is on both sides though it is more onerous on the insured because most of the facts relating to the subject matter of the contract are within his exclusive knowledge and they may be such that an insurer cannot find them out on reasonable enquiry. Further, it is the insured that has to be very particular about the observance of the rules for it is the facts relating to the insured that vary in each case while the disclosures of the insurer being made through their published prospectus do not vary much with each individual insured.
[1] Dr. Avtar Singh, Principles of Insurance Law, 7th Edn. (2002) p. 33
[2] Lawrence J. in Lucena v. Grauford, (1806) 2 Bos & PNR 269 at p. 301 : 127 ER 42 HL
[3] Dr. Avtar Singh, Principles of Insurance Law, 7th Edn. (2002) p. 34
[4] Medical Defence Union Ltd. V. Dept. of Trade, (1979) 2 Ch D 421
[5] Prudetial Insurance Co. v. Inland Revenue Commrs. (1904) 2 KB 658
[6] North British Mercantile Insurance Co. Ltd. V. London Liver pool and Global Insurance Co. (1877)
[7] Section 152, Indian Contract Act 1872
[8] ICFAI University Press, Insurance Law and Regulations, Vol. 1 (2002), p.10-12
[9] Chitty on Contracts, 29th Edn., p. 500
[10] http://www.duhaime.org/LegalDictionary/U/UberrimaeFidei.aspx
[11] K.S.N. Murthy and K.V.S. Sarma, Modern Law of Insurance in India, 3rd Edn. 1995, p. 13
[12] Rozanes v. Bowen (1928) 32 LLLR 98
[13] Lailaw v. Organ 2 Wheat 98, Turner v. Green (1895) 2 Ch 205
[14] Roche J. in Graham v. Australian Western Insurance (1931) LLLR 64
[15] Rohini Nandan Goswami v. Ocean Accident and Guarantee Corporation AIR 1960 Cal 696
[16] P. Sarojam v. LIC of India AIR 1986 Ker 201
[17] Mackenzie v. Coulson (1869) LR 8 EQ 368
[18] Satwant Kaur Sandhu v. New India Assurance Company Civil Appeal No. 2776 of 2002 (SC) – 10 July 2009
[19] Satwant Kaur Sandhu v. New India Assurance Company Civil Appeal No. 2776 of 2002 (SC) – 10 July 2009
[20] ICFAI University Press, Insurance Law and Regulations, Vol. 1 (2002), p.103
[21] (1758-1774) All Er Rep 183
[22] Halsbury's Laws of England, Vol. 25, 4th Edn., para 377
[23] United India Insurance Co. Ltd. V. MKJ Corpns. (1998) 92 CompCas 331
[24] ICFAI University Press, Insurance Law and Regulations, Vol. 1 (2002), p.107
[25] Sea Lark Fisheries v. United India Insurance Co. & Anr. 2008 (4) SCC 131
[26] Mc. Nair J. in Roselodge Ltd. V. Castle (1966) 2 Lloyd's Rep 113
[27] John Birds, Modern Insurance Law, 4th Edn. (2003), p. 104
[28] Canadian Indemnity Co .v. Canadian Johns-Manville Co.(1990) 72 DLR (4th) 478, Canadian Supreme Court
[29] Banque Financer v. Westagate Ins. Co. (1990) 2 All ER 947
[30] Anstey v. British Natural Premium Life (1908) 24 TLR 871
[31] Glicksman v. Lancashire and General Insurance Co. [1927]AC 139
[32] Roberts v. Avon Insurance Co. (1956) 2 Lloyd's Rep 240
[33] Mc. Cormick v. National Motor Accident Insurance Union Ltd. (1934) LILR 361
[34] John Birds, Modern Insurance Law, 4th Edn. (2003), p. 107
[36] (1975) 1 Lloyd's Rep 169
[37] (1941) 1 All ER 123
[38] Sec 20(1), Indian MI Act 1963
[39] R.C. Thakkar v. Gujarat Housing Board AIR 1973 Guj 34 (43)
[40] Official Reciever v. Jugal Kishore Lachhi Ram Jaina AIR 1963 All 459 FB
[41] Bhagwani Bai v. LIC of India AIR 1984 MP 126
[42] (1990) 2 All ER 947
[43] Sea Lark Fisheries v. United India Insurance Co. & Anr. 2008 (4) SCC 131
[44] Lakshmi Ins. Co. v. Bibi Padmavati AIR 1961 Pun 253
[45] Satwant Kaur Sandhu v. New India Assurance Company Civil Appeal No. 2776 of 2002 (SC) – 10 July 2009
[46] Dr. Avtar Singh, Principles of Insurance Law, 7th Edn. (2002) p.66, 67
[47] Ionides v. Pender (1874) LR 9 QB 531
[49] Goel v. Law Union (1908) 2 KB 863
[50] Bank of Nova Scotia v. Millenic Mutual, The Good Luck 1989 (2) Lloyd's Rep 238
[51] Sec 20(1), Indian MI Act, 1963
[52] Sec 20(3)(c), Indian MI Act, 1963
[53] Sec 20(3)(a), Indian MI Act, 1963
[54] Sec 20(3)(d), Indian MI ACT, 1963
[55] ICFAI University Press, Insurance law and Regulations, Vol 3 (2004), p. 79
[56] 1945 Mad 150
[57] K.S.N. Murthy and K.V.S. Sarma, Modern Law of Insurance in India, 3rd Edn. (1995), p. 18
By Aashima Johur


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Movie News
Review: Jolie's a fun hero-villain in 'Maleficent'
Film review: Jolie entertains in 'Maleficent,' but this revisionist fairy tale lacks true bite
'X-Men' holiday box-office hit with $111 million
'X-Men: Days of Future Past' Memorial holiday box-office hit with $111 million
Broadway's box office and attendance figures up
Led by classic revivals, Broadway's box office and attendance figures both up this season
Cruise pushes 'Edge of Tomorrow' to its limits
Tom Cruise, Emily Blunt push 'Edge of Tomorrow' to its limits, tour 3 countries on 1 day
NBA TV debuts feature about 1984 draft in June
NBA TV to debut film about 1984 draft that featured Jordan, Barkley in June
Film critic responds to angry tweets from Hollywood stars in wake of shooting rampage
Washington Post film critic Ann Hornaday is responding to angry tweets from actor Seth Rogen and director Judd Apatow, after Hornaday's op-ed about the YouTube video made by Isla Vista, California mass murderer Elliot Rodger.
African-American cowboy crooner Herb Jeffries dies
African-American singing cowboy Herb Jeffries dies at 100
Bottle bomb incidents prompt reward offer
AMC will offer $25,000 reward in connection with bottle bomb incidents
Cannes Film Festival lit up by class conflict
Cannes Film Festival lit up by class conflict in social films of rich-poor division
'X-Men' atop holiday opener bests with $111M
'X-Men: Days of Future Past' atop holiday opener bests with $111M
Emma Watson graduates from Brown University
'Harry Potter' actress Emma Watson receives English literature degree from Brown University
Director of Malaysian plane film rushed promo
Director of planned Malaysia plane film says he rushed promo for Cannes
The most buzzed-about performances at Cannes
From Carell to Cotillard, the most buzzed-about performances at the Cannes Film Festival
PHOTO GALLERY: Cannes' fashion highs
PHOTO GALLERY: Cannes red carpet fashion: Cotillard, Bejo, Loren, Blanchett, Chastain, Nyong'o
'Hunger Games' career high for father of shooter
'Hunger Games' a career high for father of college shooter
'X-Men' dominates holiday box office with $91M
'X-Men: Days of Future Past' dominates Memorial Day weekend box office with $91M debut
Juliette Binoche goes back to her roots at Cannes
Juliette Binoche goes back to her roots at Cannes with "Clouds of Sils Maria"
Michelle Monaghan headlines G.I. Film Fest in Va.
WTOP Film Critic Jason Fraley takes a look at "Fort Bliss" at the G.I. Film Festival.
Turkish drama 'Winter Sleep' wins Palme d'Or
Turkish drama 'Winter Sleep' wins Palme d'Or, the top honor of the Cannes Film Festival
Double-Act: Dardenne siblings talk brotherhood
Double-Act: Acclaimed directors, the Dardenne siblings, talk brotherhood
Hi: 72 °F | Lo: 49 °F


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Item not in stock
Standard Delivery
Click & Collect
Tefal RK156 rice cooker
Item No.3250030596
This black Tefal rice cooker features a 'Coolwall' body which features a non-stick removable bowl and a glass lid with a plastic handle. It can contain between 10 and 20 portions and features two setting including a keep warm setting and comes with a spoon, measuring cup and steam basket.
- Includes: spoon, measuring cup and steam basket
- Product number: H1 2012
- Coolwall rice cooker
- 10 - 20 portion capacity
- 2 settings, including keep warm function
- Non - stick removable bowl
- Coolwall body
- Non slip feet
- Glass lid with plastic handle
Deliveries are between 8am - 6pm, Mon - Sat.
FREE if you pay with your Debenhams card
FREE delivery on all orders over £30 (normally £3.99)
Deliver to store for collection ( 160 participating stores ) FREE
Debenhams is happy to exchange or refund your purchase within 28 days providing the goods are in a fully resaleable condition (including tags) and not within the exclusion policy*. This policy does not affect your statutory rights. You can return unwanted items either by visiting your local store (the fastest way to get a refund), by arranging a courier collection or returning by post. Exclusions apply to selected products. For instructions on how to return products and information on Debenhams refund policy visit the returns and refunds section of the website.


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When I use "Control Flow Obfuscation - Fastest" and / or "References Dynamic Proxy", the line number is not correct in the "Automated Error Reporting". I think this is a bug.
Regards, Marco
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I chose this business hotel because it was just across from the train station and bus terminal and it was a lot cheaper than a minshuku in Magome or Tsumago, which were the towns I wanted to see. No one was at the front when I checked in, but a sign in Japanese said to dial a number so I... More
Location: Japan > Chubu > Gifu Prefecture > Nakatsugawa
Ranked #3 of 4 Hotels in Nakatsugawa
Price Range (Based on Average Rates): $
- Reservation Options:
- TripAdvisor is proud to partner with Agoda so you can book your Silk Hotel reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.


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Herbarium Specimen Collector
Are you looking for an excuse to wander through the Washington Park Arboretum a few times a month, in search of botanical inquiry and fresh air? If so, this position may be a good fit. The Otis Douglas Hyde Herbarium has a collection of pressed and dried plant specimens that are used for identification and research.Herbarium Specimen Collectors use maps and lists to locate and collect specimens in the Washington Park Arboretum, which are eventually deposited in the Hyde Herbarium. Collecting focuses on plant specimens that are in flower or fruit, as these characteristics are essential for plant identification. Collectors may work independently or with the Herbarium Committee, a group of volunteers that meets every first and third Tuesday of the month from 10:00 a.m. until 2:00 p.m. Duties include:
- Using maps and collecting lists of the Washington Park Arboretum to locate and collect needed specimens
- Pressing specimens that have been collected
Herbarium Assistant
The Otis Douglas Hyde Herbarium's plant specimen collection is constantly expanding. Herbarium specimen collections are primarily comprised of plants from the University of Washington Botanic Gardens' Washington Park Arboretum and Center for Urban Horticulture, other horticulturally significant plants, common weeds and noxious weeds. These plant specimens are used for plant identification and research. Herbarium Assistants help process plant specimens by participating in data entry, filing plant specimens, updating collecting lists, and other activities that provide hands on experience in the workings of a herbarium. Duties include:
- Filing herbarium specimens
- Using Word and Excel programs for data entry
- Working with collecting lists and maps
Herbarium Plant Identifier
Plant Identifiers work with the Collections Manager to identify unknown herbarium specimens and plant specimens brought in for identification. They must be familiar with plant identification terms and the use of a key for plant identification, but will receive ample help and guidance from the Collections Manager. Duties include:
- Using keys of native and ornamental plants to determine the identity of unknown plants and herbarium specimens
- Hyde Herbarium Collections Manager
- (206) 685-2589
- email@example.com


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Map It
Map City Services
Metro Newsroom
LouisvilleKY.gov Links
Wednesday November 21, 2007
For Immediate release:Majority Caucus Louisville Metro CouncilContact: Tony Hyatt 574-4137/526-3622
The effort to revitalize one of Metro Louisville's oldest parks continues as the public gets another chance to learn more about future development of Wyandotte Park.
"We have had good response from the community who want to see Wyandotte Park improved for everyone in the District," says Councilwoman Marianne Butler (D) 15.
The second in a series meetings to discuss Wyandotte's Master Plan will be held on Thursday, November 29th beginning at 6:00pm. The meeting will be held at the Salvation Army Boys and Girls Club, located within the park at 1010 Beecher Street.
Wyandotte Park is in District 15 located at Taylor Blvd and the Watterson Expressway. It was created in 1937.
"Metro Parks has been listening to the people who live near the park and to others who use it.," says Butler. "I do not want anyone to miss a chance to stay involved as we bring the park in to the 21st Century."
To learn more about the Wyandotte Park Revitalization Plan, go on line to www.louisvilleky.gov/MetroParks/cityofparks/projects/wyandotteplanning.htm.
For more information about the meeting, call Councilwoman Marianne Butler's office at 574-1115.
Sponsor:Marianne Butler (D) 15


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Photography highlights: November 13-19
Art can be lovely, mesmerizing, breathtaking and thought provoking. However, art can also be destroyed. Thanks to Art Attack 3 a crowd of 200 plus KDHX supporters saw art destruction in the form of a buck-tooth, chainsaw-wielding mad man. And that was just one of five destruction methods.
On a destruction-less note, Howie Day dazzled the Duck Room on a Thursday evening then just two days later Katie Herzig and Butterfly Boucher did the same at the Old Rock House. Lydia Loveless and The Fling stopped by the good 'ol Magnolia Avenue Studios for a live performance.
And that folks, sums up yet another week of photography highlights.
To see the full articles and complete photo galleries check out Music News and for the KDHX in-studio experience head to Live Performances. Get it at KDHX.org
KDHX photography highlights: October 23-29
The Pageant's Monday night dance party that kicked off the last week of October meant one of two things, One: Chromeo was in town with Mayer Hawthorne or Two: Monday is the new Friday. The Smokers Club Tour featuring Curren$y and Method Man kept the early-week party trend rolling and by time the Pageant cleared the haze it was Friday and time for the weekend to really begin with a post-World Series win Southern rock party courtesy of the Drive-By Truckers.
Austin based-trio Ume gave St. Louis a friendly reminder that Texas has exported more than a 2nd place baseball team and rocked the Firebird into a thrash trance. Peter Wolf Crier and Union Tree Review did their Indie thing at Off Broadway and Zion and the Lion Roots Band released their fourth album "Crying for Freedom" at Club Viva. The past week in photos was a busy one and proof that the KDHX photographers taste in music is as eclectic as their style.
To see the full articles and complete photo galleries check out Music News and for the KDHX in-studio experience head to Live Performances. Get it on at KDHX.org
Photo essay: Street musicians, the sound of the sidewalk
Street musicians connect with their audience where it counts the most, their everyday lives. In this piece, I document nine performers in action, live from the sidewalks you walk on.
I chose to create a photo essay on street musicians because they are everyday people who inspire people like themselves. Street musicians fill the streets with beautiful music that touches people in route to completing their day.
As Zalinksy, Dan Aykroyd's character in the movie "Tommy Boy," said: "I make car parts for the American working man because that's what I am and that's who I care about." Street musicians share music with everyday people because that's who they are.
Street musicians can be found across St. Louis in the most public of places. Each musician has his or her own reason for sharing his or her music on the sidewalks. Some do it as a source of income. Some do it for the pure enjoyment of playing for others. Regardless of why they perform in public, they all have one thing in common — sharing their love of music, and perhaps to earn some change, even eek out a small living, along the way.
The most common places to find street musicians (or buskers as they're sometimes called) in St. Louis are the Delmar Loop and Downtown, especially near events that draw large crowds. There are occasional sightings on or near Metrolink platforms, on South Grand in the theatre district, in the Central West End or popular hangout spots where there are crowds of people.
Guitar player Wayne Valentine was found on a Tuesday afternoon at 1 p.m. on the Delmar Loop. He was playing under the pavilion next to Market Pub House. Valentine comes to the loop two to three days a week.
Valentine plays jazz and ragtime music by Scott Joplin. He primarily plays guitar, but is also classically trained on the piano. Valentine plays at open mics from time to time. "It's nicer to play to an audience than to four walls," says Valentine.
The 49-year-old has been playing since the age of 12. After hearing him play, a woman affiliated with the Julliard School for Performing Arts told him that he has a "gift for composition."
KDHX photography highlights: September 18-24
An Horse, Vetiver and Those Darlins all made a stop at the Magnolia Avenue Studios, The Dodos, the Luyas, Dark Dark Dark performed at Off Broadway and Alison Krauss and Union Station spent Thursday night at the Fabulous Fox Theatre. Joy Formidable, whose song "Whirring" caught the attention of Dave Groehl (he called it the best song of the year), rocked the Firebird and as always, Harvest Sessions carried on.
If you like what you see and need more, be sure to check out the full galleries in Music News on KDHX.org.
KDHX photography highlights: September 4-10
The past week begins with a Monday night latin/reggae/shred session with Michael Franti and Santana at the Fox Theatre. Then all of a sudden it became Friay and as a result two photographers ventured West for the Roots 'N Blues Festival in Columbia, MO while one went incognito to catch AUCW5 at the Firebird. Harvest Sessions carried on and blues photographer Rick Priest makes his deput on photography highlights with photos from Walter Trout's show at BB's Jazz, Blues and Soups.
If you like what you see and need more, be sure to check out the full galleries in Music News on KDHX.org.
KDHX photography highlights: August 28 – September 3
As summer comes to a close, Harvest Sessions carries on, the in-studios are still frequent and our photographers are as busy as bees.
The past week in photography features Misla performing at the Tower Grove Farmer's Market, pop-trio Dispatch, singer and songwriter Gillian Welch, local favorite Cassie Morgan and the Lonely Pine and a KDHX in-studio session with Ume.
You can see the full galleries at KDHX.org
Concert review and photos: St. Louis Bluesweek Blues Cruise makes a cannonball run through Soulard, Saturday, September 3
Sponsored in part by KDHX, St. Louis Bluesweek gave the city a chance to revisit its nationally-recognized blues roots. Closing out the epic week of blues was the Soulard Blues Cruise.
The more-than-week-long event dedicated the Labor-Day weekend to two nights of roaming through the Soulard neighborhood. With 10 venues participating in the cruise the scenic voyage was more like a cannonball run from concert to concert.
The event consisted of a lineup of 20 bands performing across 10 venues in the Soulard area. Purchasing a $10 wristband granted access to all 10 venues for an entire night. In essence, the Blues Cruise was like being confined to a cruise ship on the Mississippi filled with hours of live performances.
To aid in the simulation of a cruise, shuttle buses were provided to transport concert goers from venue to venue. The shuttles ran about every 15 minutes or so to get attendees across the area in a timely manner so they wouldn't miss out on any action.
Participating venues included: BB's Jazz Blues & Soups, Sonny's, Broadway Oyster Bar, the Great Grizzly Bear, Hammerstone's, the Shanti, Joanie's Pizzeria, Johnny's, 1860′s Saloon and Lywelyn's Pub. Many of the venues are clustered together within blocks of each other which made for pockets of block parties scattered across the area. Soulard is located south of downtown St. Louis.
Concert photos: Tower Groove Records Carnival at Off Broadway, Sunday, September 4
I had a splendid time at the first (and I hope annual) Tower Groove Records Carnival at Off Broadway on Sunday. The weather was even more delicious than the beet burgers. And it was swell hanging out at this KDHX-sponsored event with my fellow DJs, music scribes, scenesters and all-around good people.
All photos by Roy Kasten.


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1962 Mercedes-Benz 190SL, in Very rare Pearl Green. Highly maintained older restoration. Hardtop/Medium Green Convertible Top. Weber Carbs installed, original carbs included. Outstanding condition... More
1962 MERCEDES BENZ 190SL W121 Color: DB158 (White Grey) This is a very good running 190SL with no rust, original floors and panels. Matching numbers, currently still with... More
Presented in a triple black color combination this fully restored Mercedes Benz 190sl is a car to behold. The rust free body has new... More
MERCEDES-BENZ: 1962 190SL, very rare pearl green (DB213), dark green leather interior, hardtop/medium green convertible top, highly maintained older restoration, outstanding condition with the... More


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Stop by for a quick "bite" and stay to shop at this month's Art & Flea Vintage VAMPS! Come dressed to kill in your vintage attire , fangs and capes. Enter our Vampire costume contest to win tickets to Tonights Bath's show, Warpaint at Aloha Tower or CLUB Hallowbaloo shows Saturday, October 29 !
Don't have a costume? Get one here!
Art & Flea is a monthly event hosted Every 4th Thursday at Fresh Cafe and is comprised of a wonderful collective of artists , musicians, jewelers, crafters, performers, designers , collectors & more!
This month Hallowbaloo & Art & Flea are reaching out to the community to give them a chance to connect with touring musicians. Art & Flea will play host to a special Talk Story Q& A with Hallowbaloo musician's Baths, Gaudi & New Mastersounds. Come find out about what its like to be a recording artists, what they like to eat, favorite books, thoughts on Hawaii and what ever else you might like to ask them….. they might just perform a special set!
WHAT: Vintage, DIY, Art, Music & More
WHERE: Fresh Cafe 831 Queen St. Honolulu, HI 96813
WHEN: Thursday, October 27
TIME: 5-10pm
COST: $2 entry
Photobooth by Photo Ops Hawaii
Live DJ sets by ADHDJ & Matt Ratt
Live musical performances by the artists of LATER MUSIC (www.latermusic.com)
5pm – 6:15pm LATER MUSIC
7-8pm Special Talkstory with Hallowbaloo 2011 Artists
8:00pm Costume Contest
8:15pm-10pm LATER MUSIC
Detailed Info on Each Hallowbaloo Artist:
Baths: www.hallowbaloo.com/baths.html
The New Mastersounds: www.hallowbaloo.com/new_mastersounds.html
Gaudi: www.hallowbaloo.com/gaudi.html


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I just want to jump so high and pump my fist and shout so loud every time I hear this song! LOVE singing the harmonies with Tomi in the chorus, too. <3
17 August 2012
Wandering babydoll / Songs in the key of J / Final Girl / Deconstructionist / Darkling / Artist / Cheese toast / Endangered unicorn-pixie-supergirl hybrid...
Copyright © TheKeyOfJaye.com Theme created by


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sidebar issues
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First one is on the normal pages, as you can see, it isn't floating on the right anymore. I've had a look around the CSS and php but can't figure out where the problem is.
The second issue is on the BP members pages. The member header is taking space above the sidebar but as you can see, it leaves an empty space. i was wondering how I could get rid of it so the sidebar comes up?
Could anyone help out?
Many thanks
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Since today we brought you a lot of news about Ferrari and Lamborghini crashed and we were really hoping that will never have to write about a Porsche crashed, but today our hopes have been vanished.
A Porsche Carrera GT, from the 1250 ever made, crashed today because "someone did not understood what too much HP and cold tires are about." The car looks really bad, we can only hope the driver is ok, but he needs to say "Good bye!" to $500.000.


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Welcome to the Concierge page. Here you can find information in order to plan what to do with your time away from the fields. Need a place to stay? What kind of food are you in the mood for? Lake Placid is a quaint village and it's easy to stroll around aimlessly with no organized plan. Chances are, you'll find something that'll hit the spot within just few minutes. But, because the tournament has gotten so big, it doesn't hurt to have a plan. Follow the buttons to find what you're looking for...enjoy.
Phone: 1-800-447-5224
The LPCVB - the Destination Marketing Organization for Lake Placid and Essex County - provides a variety of valuable resources so visitors and residents can take advantage of all that the Adirondacks have to offer.
Visit www.lakeplacid.com for information on lodging properties and special packages, featured Lake Placid events, local dining and shopping venues, outdoor activities and family fun, in addition to information on area businesses and services.
Plan your trip to Lake Placid and easily book a reservation online at one of the many beautiful Lake Placid hotels. Invent your perfect day in Lake Placid!
For the first time, linking up with a team or finding the missing link can be done online. Please click here to post your want or need!


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G4S shares boost aids FTSE 100
Jul 19 2012
Shares in under-fire Olympic security firm G4S enjoyed a reprieve as bargain-hunters bought into the battered stock.
G4S, whose boss Nick Buckles agreed with MPs on Tuesday that its staffing debacle had been a "humiliating shambles", closed 4.9p higher at 244.9p having fallen sharply over the previous four sessions.
Meanwhile, the wider FTSE 100 Index was up 1% or 56.7 points ahead at 5685.8 amid improving signs on the other side of the Atlantic, although analysts warned against being "over excited" about Wednesday's rally.
US data on housing starts showed home construction increased by a better-than-expected 6.9% between May and June to an annual rate of 760,000 - the highest level in nearly four years. This helped offset Tuesday's disappointment over US Federal Reserve chairman Ben Bernanke's failure to signal more stimulus measures for the world's biggest economy.
The pound was down against the US dollar at 1.56 after Bank of England minutes hinted at a possible interest rate cut and additional quantitative easing in the months ahead. Sterling was up against the euro at 1.27.
More Than firm RSA Insurance recovered early session falls seen after it revealed a £50 million hit from more than 6,500 UK weather-related claims since June. It also revealed a £35 million impact from two earthquakes in Italy in May and said its combined operating ratio, which shows claims and expenses as a percentage of premium income, had been affected. Shares were later 0.6p higher at 108.9p.
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