text: Pursuit of Glory by Jhameel published on 2011-12-06T08:03:51Z I'm proud to conclude my new music series: WAVES. Each Tuesday for five weeks from November 8th to December 6th, I released a new track available to stream or download completely free. Each song was accompanied by its own individual artwork, and all remained available following their release. "Pursuit of Glory" is the fifth and final song of the series. Thank you all so much for joining me in making WAVES a memorable experience. Genre Pop Comment by 염지애 love this mood :▷ 2016/01/29 07:48:53 +0000 Comment by 하반하 ?? 2015/11/18 06:02:09 +0000 Comment by Koei Matkhaw :) 2015/09/22 15:33:47 +0000 Comment by Noobody [NL'74] Wow Jhameel - it's beautiful! Where are you from? Greetings from Amsterdam! 2012/12/11 14:34:49 +0000 Comment by Nicky-34 Ok... I officially love your voice. Ur voice is beautiful. I can just listen to this song for hrs. :) wonderful 2012/09/10 04:33:39 +0000 Comment by Deja Johnson This song is beautiful 2012/06/29 15:10:17 +0000 Comment by Zhorik-chan You voice is amazing! 2012/03/16 09:34:00 +0000 Comment by Rimmms love the lyrics! beautiful voice. 2012/01/22 17:44:58 +0000 Comment by claudeotheband nice work! 2012/01/20 21:52:48 +0000 Comment by Moosetache Nice 2011/12/06 19:21:29 +0000


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Dr. Yushen Lee MD
- Family Medicine Baton Rouge, LA
Patient Reviews
Reviews reflect patients' level of satisfaction with the care they received from this provider. Dr. Yushen Lee xhas an overall rating of 3.7.
Dr. Yushen Lee, MD is a Doctor primarily located in Baton Rouge, LA, with other offices in Baton Rouge, LA and Baton Rouge, LA. She has 30 years of experience. Her specialties include Family Medicine. Dr. Lee is affiliated with Our Lady of The Lake Reg Medical Center. She speaks English.
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Specialties & Expertise
Dr. Yushen Lee has the following 7 areas of expertise, 1 specialty and 1 board certification.
Family Medicine
A family practitioner is a doctor who specializes in caring for people of all ages, at all stages of life. Rather than focusing on the treatment of one disease or patient population, family practitioners are often the doctors that people see for their everyday ailments, like cold and flu or respiratory infections, and health screenings. When necessary, family practitioners will provide referrals for conditions that require the expertise of another specialist.
The doctors may also provide physicals, inoculations, prenatal care, treat chronic diseases, like diabetes and asthma, and provide advice on disease prevention.
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subset: commoncrawl


text: Odele was a friend of Katrina from Carvahall. On a barge journey from Narda to Teirm along with the rest of Carvahall's fleeing residents, she fell in love with a sailor named Frewin. Her parents disapproved but Roran counseled them against criticism. Retrieved from "http://inheritance.wikia.com/wiki/Odele?oldid=93663" Ad blocker interference detected! Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected. Categories: Characters Humans Females Varden Carvahall villagers Add category Cancel Save Languages: Deutsch Polski


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Build Guide by sugarfrog007
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
Amumu Build
Ability Sequence
Not Updated For Current Season
The masteries shown here are not yet updated for the current season, the guide author needs to set up the new masteries. As such, they will be different than the masteries you see in-game.
Hi guys i make a guide of Amumu. But you need a verry good Team, because you are just the opener for a big Teamfight.
I just go in defense, because its always safer and you can skill the Reinforce.
Of course its all just epic if just go on Tank.
For the Items you always have to look if you have mor ap or more Normal Dmg.E.g If you have just one normal Dmg you should buy frozenheart instead of Dormail because you have a bit more mana and you slow the enemys.
Team Work
For the Team you are the best opener with Guardian Angel, because you jump in with you Ultimate and get the whole Agro of the Enemys. Sometimes they kill you but than your team appears and you can survive with Guardian Angel.


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Culinary Administrative Assistant - Raymond James Stadium
Tampa , Florida
January 03, 2017
About Aramark
Aramark (NYSE: ARMK) is in the customer service business across food, facilities and uniforms, wherever people work, learn, recover, and play. United by a passion to serve, our more than 270,000 employees deliver experiences that enrich and nourish the lives of millions of people in 22 countries around the world every day. Aramark is recognized among the Most Admired Companies by FORTUNE and the World's Most Ethical Companies by the Ethisphere Institute. Learn more at www.aramark.com or connect with us on Facebook and Twitter.
Description: Culinary Administrative Assistant
Prepare and distribute memos/letters properly. Experience with (office, excel, word, power point)
Assist with any and all administrative duties. Ordering and maintaining office supplies, laminating, building binders,
Greet vendors, suppliers, and guests visiting the department.
Transmit fax when necessary.
Prepare monthly reports for inventory and payroll. (Win Arcs, ABI experience helpful)
Maintain a neat workplace at all times, organization and cleanliness are a must
Handle purchase requisitions, orders and receiving invoices for department. Verify all information is accurate and to date.
Enter all Purchase orders; work closely with Warehouse/Purchaser to ensure proper receiving standards are in place and followed
Sign for items received in department.
Enter all Data Pertaining to Culinary
Win Arcs
Food Safety
Post production
Employees Schedules
Waste Tracking
Help with all Manuals for Training Classes, New hire information, uniform control Inform departments of monthly contractual appointments, i.e. pest control, hood and duct cleaning, food Safety inspections .
Prepare and maintain department related employee files which includes absentee calendar, jacket issue form, tool issue form, completed absence reports and vacation request forms.
Enter daily payroll, track declining budget.
File and track all health inspection information.
Must have experience knowledge of food Safety. Serve safe certified is a plus, training of serve safe could be provided
Must have basic culinary product knowledge, some understanding of storage, FIFO, labeling and dating
Upkeep of All Daily logs, ensure all information is properly recorded in corporate website to maintain compliance.
Track 30 & 90 day check list for any new employees. Maintain ABI to reflect accurate updated employee information. Notify chef of upcoming employee annual review and merit increase
Assist chef with PCA's, Production Sheets, track applications for new hires, schedule applicant interviews with Executive Chef and Sous chef , maintain employee info in HCMS
Ability to withstand Long hours, hot conditions
Prepare and maintain training checklist and master list
Additional Job Functions:
Serve Safe certified
Work in other areas as needed
Completion of any task requested by a supervisor or member of the Aramark management team.
Must have experience knowledge of food Safety. Serve safe certified is a plus, training of serve safe could be provided
Required Qualifications:
Good interpersonal and communication skills
Ability to work in a team environment and demonstrate excellent customers service
Must have the ability to manage and support the kitchen staff
Minimum 2 years experience in the food service industry as a cook
Must be able to understand verbal and written instructions
Desired Qualifications:
Culinary training or degree
3 or more years experience in the food service industry as a cook
Work Environment:
Back-of-house. Requires frequent lifting/transporting hot food items, ability to work inside kitchen area, interact with heated equipment, steam and other at risk conditions. Involves repetitive motion.
A little about us:
At Aramark, we believe that each of our employees can play an important role in creating the great experiences that become lasting memories.
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text: The Estate Collection at Westmont in Carmel (Photo: Business Wire)The fully decorated model homes at Westmont offer homebuyers an opportunity to experience firsthand what life will be like inside this extraordinary new community. Homebuyers looking to learn more can visit Ryland's new interactive sales center at Westmont. This unique touchscreen experience gives homebuyers an opportunity to learn about what will be most important in their new home, like floor plans, green technology, homesites, the community and everything around it, providing them with a fully immersive and informative experience. The Estate Collection at Westmont has been designed with new home shoppers in mind, with a focus on innovative floorplans. Thoughtful finishes are featured throughout, including Ryland's Signature Gourmet Kitchen, spacious living rooms, sumptuous owner's suites, convenient family foyers, planning centers and much more. Exteriors are crafted with timeless designs utilizing brick, stone, HardiPlank siding and dimensional shingles. These spectacular homes offer up to 5 bedrooms, up to 4½ baths, side entry 3-car garages on large estate homesites. New Ryland single-family homes at Westmont are starting from the $360's. To learn more about the magnificent new single-family homes from Ryland Homes' Estate Collection at Westmont, visit ryland.com/westmont. Since 1967, Ryland Homes has been committed to building high quality energy-efficient new homes. Today, rooted in its national strength, local focus and unwavering commitment to the customer, Ryland proudly builds in 17 states across the country and was named by BUILDER magazine the 2012 Fastest-Growing public homebuilder. Visit ryland.com to learn more. For more information, please contact Diane Morrison, National Vice President of Sales & Marketing, at firstname.lastname@example.com. Photos/Multimedia Gallery Available: http://www.businesswire.com/multimedia/home/20131016005952/en/


text: Getting pampered in Negombo >> May 31, 2015 0 Categories: Beaches Stay Travel Tags: asia, backacking, hotels, sri lanka, where to stay Negombo is a town 35km from the capital of Sri Lanka, Colombo. It is sometimes known as "Little Rome" being that so much of the population has converted to catholicism; about two thirds to be precise. Known for its huge fishing industry and canals that connect the north and the ... Read More


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Background Information
Megan Nicole Kline
My birthday is January 31, 2001
I'm twelve years old.
I like volleyball and softball because it's fun.
I like to text because when I don't wanna talk to my friends over the phone I text.
I like to hang out with my friends because they make me laugh and I always have fun when I'm with them. :)
I like Justin Bieber, One Direction, and Hunter Hayes because they are good singers, their amazing, and they are HOTT!!! :)
I do not like Tiny Tim because hes scary, hes ugly, he sings awful, and he talks weird.
I don't like clowns because they are creepy and scary looking!!!!!
I don't like ferris wheels because I don't like going up high in the air and I'm afraid I'm gonna fall out or I'm afraid it's gonna get stuck in the air.
My friends are
These are my dogs Kassie and Roxy.
I have one sister named Ally.
My parents are Nikki and Bruce.
Future Plans
I don't like hairless cats because they are creepy looking!
When I grow up I want to be a pediatrician because I want to be a doctor but only for kids.
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Auto enthusiasts appreciate the a brand you can trust built into each GMC, and know that only the best replacement C35 parts will suffice when your car or truck needs fixing. When your GMC C35 rolled off the assembly line, it was destined for a person with discerning taste who values trusted quality in their automobile. While it may not be difficult to buy replacement parts for GMC vehicles, these days only the highest quality are required to repair your automobile. Your GMC dealership isn't the only place to find trusted parts to repair your C35.
For every vehicle on the road, a completely intact set of wheel lug studs is required to make sure the wheels don't leave the hubs. Your GMC C35 wheel lug studs are pressed into the back of the wheel hub, with a threaded shaft protruding through mounting holes in your wheel. Then, the lug nuts screw onto the lug studs; fastening the wheel to your GMC C35 wheel hub. When one of these breaks, you will suffer noticeable alignment issues as you drive.
Given all the trouble that can be involved with fixing broken parts on your car or truck, let www.carpartsdiscount.com be the most authoritative website you go to make purchasing it easy. Get your C35 back on the road with the best replacement parts from the experts at Car Parts Discount. Don't let a broken Wheel Lug Stud bring about the demise of your car, truck, or SUV, and don't gamble with its condition by installing anything but the highest quality replacement parts. GMC C35 Wheel Lug Stud parts for 1978, 1977, 1976, 1975 vehicles are available here... just click your year to find them.


text:
Download HotCheer All Stars apk 1.401 free for Android smartphone
Posted by Supercharge Apps in Sports | Feb. 21, 2014 | 1 Comments
Apk file size: 4.7 MB
Welcome to the official App for HotCheer in Elizabeth, Pennsylvania that will provide you with everything you need to stay "in the know" about what's going on and what is important to you as an athlete or parent at HotCheer.
* Check out our Twitter Feed
* Take advantage of our App Only Online Pro Shop Special Offers
* Make a Reservation for a Private Lesson
* Stay in touch with our Facebook Posts
* View our Instagram Images
* Watch all of our YouTube Videos
* Stay connected through our HotCheer Mobile Instant Message System
* Download and listen to some of our top cheer music
* Hang out and interact on our very own HotCheer Fan Wall
* Check out all of our upcoming Events
* Call us / Contact us with one easy click
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Have questions, problems or feedback? Reach out to us at [email protected]
Whats new
- Design changes and modifications
Supercharge Apps part of our Sports and have average installs from 100 to 500. Last Update Feb. 21, 2014. Google play rating is 100.0. Current verison is 1.401. Actual size 4.7 MB.
Similar applications
STAR Athletics: All Star Cheer4 Comments
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x 6 x 13 Study In-depth knowledge for decision makers Roland Berger Strategy Consultants
- Dorthy Woods
- 2 years ago
- Views:
1 Roland Berger Strategy Consultants Study In-depth knowledge for decision makers 173 bn Health expenditures are booming in Southeast Asia and the private health insurance market is taking off x 6 28 bn 68 bn x bn 1.8 bn 6 bn Total health expenditures in USD Total private accident & health insurance premium in USD SOUTHEAST ASIA THE NEW FRONTIER FOR HEALTH INSURERS
3 Study 3 SOUTHEAST ASIA THE NEW FRONTIER FOR HEALTH INSURERS contents introduction Healthcare in Southeast Asia A growing priority Private health insurance Boom expected health insurers Rising to the challenges Conclusion p 4 p 8 p 22 p 34 p 38
4 introduction
5 Study 5 Demand for healthcare is growing rapidly in Southeast Asia (SEA). Overall health expenditures increased two and a half times between 1998 and 2010, reaching nearly USD 68 billion. Private insurance accounts for 4% of this total. Three major factors are driving this development: steady population growth, steep increases in medical costs, and most importantly increases in per capita consumption of healthcare services. The maturity of the healthcare market varies widely across Southeast Asia. Cambodia, Laos and Myanmar are still at an early stage of development, while Indonesia, Vietnam and the Philippines provide basic healthcare services to their populations. Malaysia and Thailand are at a more advanced stage of development and now focus on providing high-quality care. The most advanced market is Singapore, which promotes private contributions to the financing of healthcare. We anticipate that health expenditures will maintain their growth trajectory, with overall health expenditures in the region reaching USD 173 billion by 2020 two and a half times its 2010 level. Private health insurance stands to benefit greatly from this growth, increasing its share of expenditures from 4% to 6%. Overall, private health insurance will be driven by the fast-growing mass affluent segment looking for better access to higher-end private healthcare while trying to minimize out-of-pocket expenditures. However, differences will exist between markets. In Indonesia, Vietnam and to a lesser extent Thailand, we anticipate that private health insurance will gain in popularity with less affluent consumers too, as a substitute for the inadequate public insurance schemes in those countries. Overall, the region will see a fourfold increase in the total personal accident and health premium, reaching USD 24 billion in 2020 (2010: USD 6 billion). Malaysia, Singapore, Thailand and Indonesia will remain the four largest markets by far. Health insurance has historically been driven by the more profitable individual segment in most Southeast Asian countries. This segment of the market is characterized by low-price policies, limited coverage and riders on personal accident or life policies. The next decade will see the group segment making an increasing contribution to the total market, with insurers taking greater advantage of the potential represented by the large numbers of medium-sized enterprises across Southeast Asia. The health insurance sector in Southeast Asia offers significant opportunities. But it is not immune to challenges, such as boosting customer acquisition, balancing product affordability and coverage, and coping with fast-rising medical costs. Ultimately, insurance companies must build customer trust in their brand and service offering by providing adequate coverage, guaranteed payouts and a smooth, hassle-free claims process. Players who rise to these challenges by implementing best practices on a local level will benefit richly from the growth in the market and, in turn, contribute to the growth and maturity of Southeast Asian healthcare.
7 Healthcare infrastructure in Southeast Asia has greatly improved private institutions lead the way in most countries
8 Healthcare in Southeast Asia A growing priority
9 Study 9 f2 Health expenditures have more than doubled The healthcare sector has been growing strongly in Southeast Asia over the last decade, outstripping growth in GDP. Total health expenditures in the nine key countries in the region Cambodia, Indonesia, Malaysia, Myanmar, Laos, Singapore, the Philippines, Thailand and Vietnam more than doubled in the period from 1998 to 2010, up from USD 28 billion to USD 68 billion. This represents an annual growth rate of 8% per year. Thailand, Malaysia and Indonesia are the three largest markets, together accounting for over two-thirds of total health expenditures across the region. Over the last ten years, both access to healthcare and per capita consumption of healthcare have grown in Southeast Asia. As a consequence, health indicators for the region have improved significantly. Average infant mortality across the region has fallen from 42 per 1,000 in 1998 to 22 per 1,000 in 2010, for example. Driving this improvement are Indonesia and Vietnam, both of which have halved their infant mortality rate. Malaysia and Singapore have maintained their very low levels of infant mortality at fewer than 10 per 1,000, which is in line with OECD countries. Life expectancy has also improved as a result of higher health expenditure up 4 years in Singapore to 82 and up 2 years in Vietnam to 72. f1 What lies behind this rapid growth? In a nutshell: volume and price. The key factors powering the market are population growth in the region, rising medical costs and increases in average per capita expenditure on healthcare services: F1 Drivers of health expenditures in Southeast Asia 1998, 2010 (constant 2010 USD bn) The volume effect The volume effect is driven by population growth. Southeast Asia had a population approaching 600 million in 2010, up a massive 30% on its 1998 level of 462 million. This growth contributes to the increase in health expenditures: More people means more demand for healthcare. Indeed, the increase in population alone explains 19% of the growth in health expenditures between 1998 and The price effect The price effect has two main drivers: increases in medical costs and growing per capita consumption of healthcare services % 27% 53% 68 Real medical inflation the increase in medical costs over and above the general inflation rate was as high as 9% in Indonesia and 8% in Malaysia in It contributed to 27% of the increase in health expenditures between 1998 and Per capita consumption of healthcare services has also increased. As populations grow wealthier, people are in a position to spend more on healthcare services. Per capita health expenditures in Southeast Asia rose from an average of USD 60 per year in 1998 to USD 115 in This trend affects all Southeast Asian countries, where average health expenditures have grown by between 3% and 14% each year since This is the major driver of growth in health expenditures over the period and accounts for 53% of total growth. Total health expenditures Population growth Net medical inflation Greater healthcare consumption Sources: Global Health Observatory/WHO, Roland Berger analysis Total health expenditures
10 Roland Berger Strategy Consultants F2 Health expenditures have more than doubled in Southeast Asia since 1998 (USD bn) +8% p.a Sources: Global Health Observatory/WHO, Roland Berger analysis Total
11 Thailand Malaysia Indonesia Singapore Cambodia 6 Laos 7 Myanmar 8 Philippines 9 Vietnam
12 Roland Berger Strategy Consultants F3 Southeast Asian countries show great differences regarding their healthcare expenditures Per capita health expenditures in Southeast Asia and Japan till 2020 (constant 2010 USD) ,232 Singapore USD 3, Myanmar USD , , ,599 Japan 2000 Singapore Japan 1990 Malaysia Japan 1970 Thailand Avg. SEA Vietnam Indonesia Philippines Japan Laos Cambodia Myanmar 1960 Sources: Global Health Observatory/WHO, OECD, Roland Berger analysis
13 Study 13 Markets differ widely in terms of structure and maturity f3 Health expenditures have risen in all Southeast Asian countries. However, the Southeast Asian financial crisis affected different countries to a different extent. Thailand, Singapore, Laos and the Philippines were the hardest hit, with per capita GDP stagnating and per capita health expenditures falling in the period from 1998 to By contrast, other countries in the region experienced a sharp increase in both per capita GDP and per capita health expenditures; in Indonesia, for example, per capita health expenditures doubled to USD 39. Great disparities remain between different countries in the region, both in terms of average per capita health expenditures and the maturity of the overall healthcare system. Thus, per capita health expenditures in 2010 ranged from just USD 18 in Myanmar to USD 1,785 in Singapore. The average for the nine countries was USD 115, with only three countries Malaysia, Singapore and Thailand experiencing spending above this level. The ratio between per capita health expenditures in different countries is 1 to 100, compared to a ratio of 1 to 323 in 1998, when it ranged from USD 4 (Myanmar) to USD 1,295 (Singapore). Access to healthcare services also varies widely across the region, approaching the level of developed countries in Singapore while remaining at subsistence level in countries such as Cambodia, Laos and Myanmar. In the latter three countries, average life expectancy at birth is below 64 years and infant mortality above 34 per 1,000. The boom in health expenditures has benefited from the increase in public spending seen across Southeast Asia. The level of public participation is still very uneven, but most governments in the region have recognized access to healthcare as a right for all. In most Southeast Asian countries, social security schemes are being set up or are already in existence. Although these systems take various forms, their ultimate aim is to provide access to basic healthcare for the entire population. The schemes usually have different funds for civil servants, employees and the selfemployed, plus a special fund targeting the poorest sections of society those who are not covered under other schemes and who cannot afford even basic healthcare services. To what extent these systems rely on private or public financing depends on the general stage of development of the healthcare system in the country. We identify four main stages, with the nine countries at different points along the development trajectory. As countries develop, they move through each of the stages in turn. Stage 0: Healthcare system largely undeveloped Stage 1: Most basic healthcare needs met Stage 2: Choice of a wider range of healthcare services Stage 3: Private contributions to healthcare financing encouraged f4
14 Roland Berger Strategy Consultants stage 0 stage 1 Healthcare system largely undeveloped Most basic healthcare needs met The government makes little contribution to financing healthcare except for basic vaccination campaigns and a few public clinics and hospitals. Healthcare is mostly paid for by individuals in the form of out-of-pocket expenditures, or provided directly or subsidized by non-governmental organizations. Myanmar, Cambodia and Laos are still at this stage of development, with public expenditures on health ranging from USD 2 to USD 17 per capita per year. Out-of-pocket expenditures, NGOs and charities represent over 63% of total health expenditures, and in the case of Myanmar up to 88% (2010). The government provides broader access to healthcare, covering a significant part of its financing ranging from 35% to 50%. However, out-of-pocket expenditures remain the dominant form of financing. Vietnam, the Philippines and Indonesia are at this stage of development: In Vietnam, 38% of health spending is financed by the public sector, in the Philippines 41% and in Indonesia 49%. All three countries are currently implementing universal public healthcare schemes that will be run as mandatory health insurance systems. Public sector contributions to healthcare expenditures range from USD 30 to USD 40 per capita in these three countries (2010). Access to healthcare is growing, pushing up demand. Indonesia and Vietnam showed the fastest growth in total health expenditures between 1998 and 2010, with annual growth rates of 10% or more. Myanmar Cambodia Laos Indonesia Philippines Vietnam
15 Study 15 stage 2 stage 3 Choice of a wider range of healthcare services Private contributions to healthcare financing encouraged As the healthcare market matures, a private health insurance system emerges to complement the publicly financed system and replace out-of-pocket expenditures. Malaysia and Thailand are currently at this stage of development, with a very high level of public contributions (56% in Malaysia and 75% in Thailand) and a growing share of financing by private insurers (from 5% of total expenditures for both countries in 1998 to 7% in Malaysia and 8% in Thailand in 2010). Both countries have a well developed healthcare infrastructure strongly supported by public financing. In Malaysia, the government makes direct subsidies to the healthcare sector, enabling lower healthcare costs for patients. Thailand has a social security scheme financed by compulsory monthly payments made by employers and employees, which functions as a public health insurance system covering the entire population. In both countries, the development of the market is now being driven by demand for higher-quality healthcare. In the final stage of development, the government gradually disengages itself from the funding of healthcare and encourages private contributions. This caters to increasing consumer demand for more sophisticated healthcare services while balancing access to services and increases in costs. Singapore is the only country in the region currently at this stage of development. Since 2005, the country has fostered the development of the private sector by transferring part of the public health insurance scheme to five private insurers. Malaysia Thailand Singapore
16 F4 Countries pass through four stages of development Source of per capita health expenditures 2010 (USD) Stage 0 Stage 1 Healthcare system largely undeveloped Most basic healthcare needs met Private insurance Myanmar Cambodia Laos 0% Indonesia Philippines Vietnam 1% NGOs & charities 14% 46% 8% Out-of-pocket 61% Sources: Public financing 25% 45% Global Health Observatory/WHO, Roland Berger analysis 26 81
17 Stage 2 Stage 3 Choice of a wider range of healthcare services Malaysia Thailand Private contributions to healthcare financing encouraged Singapore 7% 3% 8% 2% 23% 54% 66% 36% 241 1,785
18 Roland Berger Strategy Consultants Public insurance schemes form the basis for a system of healthcare to develop in a country. However, they have certain limitations. People who are covered under a public healthcare scheme, be it social security or subsidized public healthcare, do not necessarily have access to healthcare facilities. In Thailand or Indonesia, for instance, it is difficult for people living in remote areas to access the healthcare infrastructure. People living in densely populated areas may also find that public healthcare facilities are overcrowded. Employment also discriminates with regard to healthcare: Often, the large portion of the population working in the informal sector is not covered by the public scheme, for example. Another challenge for healthcare systems is the extent of coverage offered by public schemes. Limited coverage means that people still cannot afford medical services. For example, the current scheme in the Philippines does not cover reimbursement of drugs, which many people are unable to pay for. In addition, medical bribery is rife in some countries, raising the cost of medical care and limiting access for the needy. Health expenditures will continue to grow vigorously Increased spending on healthcare by governments is the main trigger for growth in health expenditures of all types across Southeast Asia. Three key factors will drive the market going forward: Access to healthcare for all, regardless of income and location, will continue to improve. The need for universal access to healthcare is recognized throughout the region. Some public healthcare schemes began as early as the 1970s, in Thailand for example, while others have been launched more recently, such as in Vietnam (2005) and Indonesia (2009). The third factor driving future healthcare expenditures is the increase in lifestyle diseases such as cancer which is more often diagnosed as the frequency of screening increases and the growing healthcare needs of aging populations. In Singapore and Thailand in particular, the number of people over 65 is expected to nearly double by 2020, reaching 10 million in total and representing 15% of the population in Singapore and 12% in Thailand. This is close to the level seen in developed countries such as the United States (13%), Germany (20%) and Japan (23%). In other Southeast Asian countries, this will not yet be a major issue. Going forward, all Southeast Asian countries are expected to maintain high GDP growth rates of between 4% and 12% a year. According to our model, healthcare expenditures will follow a similar trend, with growth of around 10% annually in the region (compared to 8% annually between 1998 and 2010 and 12% annually between 2005 and 2010). By 2020, healthcare expenditures in the region should reach a total of USD 173 billion, or USD 264 per capita. In terms of financing, we expect public spending to increase in all nine countries. The least developed countries Cambodia, Laos and Myanmar will show the strongest growth as they move into Stage 1 of healthcare development. The health expenditures of these three countries will nearly double, approaching USD 100 per capita, with public financing representing 36% of expenditures in 2020 (up from 25% in 2010). Overall growth in health expenditures will be strongest in the countries transitioning from Stage 1 to Stage 2, namely Indonesia, Vietnam and to a lesser extent the Philippines. In these countries, average health expenditures per capita will reach a level of USD 200 by f5 f3 Healthcare expenditures will also be driven by increasing individual wealth as the economies of Southeast Asia develop. An emerging middle class will demand more healthcare and ultimately higher-end services as people become aware of the importance of healthcare and its accessibility. Demand for betterquality healthcare will push the wealthiest individuals toward private healthcare and more expensive medical technology.
19 Study 19 Malaysia and Thailand will maintain their high annual growth rates of above 8% in health expenditures, with per capita spending reaching USD 881 in Malaysia and USD 408 in Thailand by Both the public and private sectors will drive this growth, their relative contributions remaining largely unchanged. F5 Average per capita health expenditures in Southeast Asia (USD) In Singapore, per capita health expenditures are expected to grow to levels slightly below that seen by Japan in 2000, with spending in 2020 reaching USD 3,232 (compared to USD 1,785 in 2010). If Singapore maintains its current policy, the financing of growing healthcare expenses will not be driven by the public sector. Indeed, private funding may well account for 75% of total healthcare expenditures by Even if Singapore does allocate additional public money to cater to its aging population, we expect the vast majority of healthcare to be privately funded. 264 The penetration of private health insurance in Southeast Asia will increase, accounting for 6% of health expenditures by 2020 (compared to 4% in 2010). The overall share of out-of-pocket expenditures will fall to 38% in 2020 (compared to 41% in 1998), despite the absolute figure for average per capita health expenditure growing more than fourfold over the same period. x Source: Global Health Observatory/WHO, Roland Berger analysis
21 Quick access to efficient healthcare facilities is a coveted luxury in most of Southeast Asia
22 Private health insurance Boom expected
23 Study 23 Private health insurance is a very new market and still underdeveloped in Southeast Asia. However, a boom in the market is expected in the coming years. It is likely that individual policies will be the main driver of this market growth, but strong development is also foreseen in the group segment. We examine the trends in more detail below. Private health insurance remains low in Southeast Asia F6 Per capita health expenditures paid for by private health insurance 2010 (USD) USA 2,746 f6 Total health expenditures covered by private insurance more than doubled between 1998 and 2010 in Southeast Asia, reaching a level of USD 2.9 billion. Nevertheless, the market for private health insurance is still in its infancy, with average per capita expenditures of just USD 5 covered by private insurance in The market is concentrated in three countries Malaysia, Singapore and Thailand which together accounted for over 80% of health expenditures covered by private insurance in Even here, average per capita health expenditures covered by private insurance are still below the levels seen in OECD countries. The development of private health insurance in Southeast Asia reflects the stage of development of the healthcare system in the country in question. The least developed countries, where per capita health expenditures are below USD 50 a year, have no private health insurance market at all. Indonesia, Vietnam and the Philippines, the three countries in Stage 1 of healthcare development, have per capita health expenditures of USD per capita, of which on average less than USD 1 is covered by private insurance. The penetration rate of health insurance in these countries is below 10% of the population. Malaysia and Thailand are in Stage 2 of healthcare development and their per capita health expenditures are between USD 150 and USD 1,000. The penetration rate of health insurance is also higher here, at between 15% and 20%, although less than USD 30 of per capita health expenditures are covered by private insurance. The absolute level of out-of-pocket expenditures and their growth rate are good indicators of the potential of private health insurance in a country. This is because the primary incentive for buying health insurance is to reduce out-of-pocket expenditures. Another factor is that private insurance can make it possible for policyholders to afford treatment in private healthcare facilities especially urgent hospital care without having to sell their house, for instance. Indeed, out-of-pocket expenditures are the traditional adjustment variable for an increase in healthcare costs or consumption of healthcare. France 632 Germany 431 Singapore 143 Japan 98 Malaysia 25 Thailand 14 Avg. SEA 5 Vietnam 1 Source: Global Health Observatory/WHO, Roland Berger analysis Indonesia 1 Philippines 1
24 Roland Berger Strategy Consultants f7 Out-of-pocket expenditures have more than doubled since 1998 in Malaysia and Singapore, reaching a level of USD 130 in Malaysia (or 34% of total health expenditures) and USD 964 in Singapore (54% of total health expenditures) in This compares to outof-pocket expenditures of less than 16% of total health expenditures in developed countries such as Japan, France or the USA. The situation in Thailand is different. Here, there has been a sharp decrease in out-of-pocket expenditures, from USD 44 in 1998 to USD 26 in 2010, due to the steady increase in both public financing and private insurance. F7 High out-of-pocket expenditures in Southeast Asia fuel the demand for private health insurance Average per capita out-of-pocket health expenditures and share of total (USD) Japan France USA <16% 2010 In most developed countries, average out-of-pocket expenditures are less than 16% of total health expenditures Sources: Global Health Observatory/WHO, Roland Berger analysis
25 Study 25 Indonesia Malaysia Thailand Singapore % 46% 29% 36% 35% 27% 38% 34% 14% 36% 60% 54%
26 Roland Berger Strategy Consultants individual policies drive the market The maturity level of a market drives consumers' perception of the necessity of health insurance. Consumers that have only had access to public health insurance in the past and who can now afford private health insurance will generally seek to protect themselves against the most costly eventualities critical illnesses such as cancer or heart disease and personal accidents. Indeed, these are among the first policies to be sold as standalone policies in emerging insurance markets such as Indonesia and Thailand. As populations grow wealthier and become more aware of the benefits of healthcare, they tend to purchase additional products such as hospital cash, hospital income plans and hospitalization cost coverage. More advanced health insurance markets offer packaged policies that include all of these services yet remain affordable by offering different levels of coverage. This is the case in Malaysia, for example, where most private insurers offer four to five variations on each plan so that they can reach a larger share of the population. Additional coverage for critical illnesses, dental services or maternity expenses are usually sold as riders on the existing personal accident or health policy rather than as a full policy. However, insurers should be aware of the fact that healthcare consumption tends to increase significantly once consumers have purchased health insurance. Individual insurance The Southeast Asian insurance market is strongly driven by individual policies. Such policies represent between 70% and 80% of the market in Malaysia, Singapore and Thailand. Affordability is a key factor in the development of private health insurance. In Malaysia, for example, the overall target population for health insurance people earning over MYR 3,000 or USD 970 a month represents about 50% of the total population. So far, only 20% to 30% of this target group has a private health insurance policy, with an average premium around USD 500 a year. In Thailand, the most comprehensive packages target the top 15% of the population people earning over THB 30,000 or USD 1,000 a month and premiums are around THB 10,000 or USD 330 a year. More affordable products offering basic protection sell at around THB 3,000 or USD 100 a year and target an additional 20% of the population people earning more than THB 15,000 or USD 500 a month. Individual policies are also the most profitable for insurers. Loss ratios can be as low as 30% to 40% in this segment for the best performers and up to 70% for others. The ratios for group insurance policies are significantly higher by comparison. There is also limited regulation of the underwriting and claims processes for individual policies: In many cases, insurers can include special conditions in policies, limit claims by setting a high deductible, implement lengthy waiting periods and cancel policies or increase premiums at will when they come up for renewal. Group insurance Companies in Southeast Asia are rarely obliged to take out private health insurance for their employees. Only specific segments of the population benefit from a group insurance scheme or are subject to compulsory private insurance, such as foreign workers, students, civil servants or members of the armed forces. The group insurance segment has grown quickly over the last decade, at a rate of 20% or more a year. This is much faster than the individual segment, which grew at 11%. However, the group insurance segment still only accounts for 26% of the total premium in Thailand and 20% in Singapore. In Indonesia, the situation is different, with group insurance representing 50% of the market: This reflects the overall low penetration of health insurance in population (especially individual plans). It is worth noting, though, that the most affluent segment of the population often takes out private health insurance outside Indonesia via brokers in Singapore. Distribution channels Agents and brokers are the two major distribution channels for private health insurance in Southeast Asia. The number of licensed agents and brokers is very high in all nine countries. They are subject to regulatory approval from the country's insurance authority and except in Indonesia the commissions they re ceive are usually capped at between 10% and 18%. Depending on the country, agents generate between 40% and 60% of new policies, mostly in the individual segment, while brokers generate 15% to 25%, mostly in the group segment. Only in Singapore do brokers also play a large part in the individual segment. Bancassurance is gaining importance as a distribution channel, especially in Indonesia. However, bank branches generally sell health riders on life policies or basic protection products. This means that they will not be the preferred channel for more sophisticated or comprehensive packages. In Malaysia, Indonesia f8
27 F8 Market structure varies depending on group or individual policies 1,297 Total private accident & health insurance premium, (in constant USD m) Thailand Individual: 11% CAGR Group: 20% CAGR Individual 74% % 12% Group 26% Indonesia Individual: 23% CAGR Group: 24% CAGR 696 Individual 50% Source: Local insurance regulators 73 52% 48% Group 50%
28 Roland Berger Strategy Consultants F9 Huge potential for private insurers Average annual growth rate for total personal accident & health insurance premium and total health expenditures, Total personal accident & health insurance premium +12.5% p.a. Total health expenditures +8.6% p.a. Sources: Global Health Observatory/WHO, Roland Berger analysis
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Rancho Vega del Rio del Pajaro
Rancho Vega del Río del Pájaro was a 4,310-acre (17.4 km2) Spanish land concession in present day Monterey County, California given in 1821 by Pablo Vicente de Solá to Antonio Maria Castro. The grant was confirmed by Mexican Governor José Figueroa in 1833.[1] The name means "a meadow along the Pajaro River". The rancho lands bordered the Pajaro River and include the present day Vega[2] and Watsonville.[3][4]
Antonio Maria Castro was a soldier who retired in 1809.[5]
Maria Antonia Castro married Juan Miguel Anzar (grantee of Rancho Los Aromitas y Agua Caliente and Rancho Santa Ana y Quien Sabe). Anzar died and his widow, Maria Antonia Castro de Anzar married Frederick A. McDougal, a doctor from Scotland.
With the cession of California to the United States following the Mexican-American War, the 1848 Treaty of Guadalupe Hidalgo provided that the land grants would be honored. As required by the Land Act of 1851, Maria Antonia Castro filed a claim for Rancho Vega del Río del Pájaro with the Public Land Commission in 1852.[6] Maria Antonia Castro de Anzar de McDougal died in 1855, leaving McDougal and her children as heirs when the grant was patented to Juan Miguel Anzar in 1864.[7]
See also[edit]
- ^ Ogden Hoffman, 1862, Reports of Land Cases Determined in the United States District Court for the Northern District of California, Numa Hubert, San Francisco
- ^ Durham, David L. (1998). California's Geographic Names: A Gazetteer of Historic and Modern Names of the State. Clovis, Calif.: Word Dancer Press. p. 972. ISBN 1-884995-14-4.
- ^ Diseño del Rancho Vega del Río del Pájaro
- ^ U.S. Geological Survey Geographic Names Information System: Rancho Vega del Río del Pájaro
- ^ Hoover, Mildred B.; Rensch, Hero; Rensch, Ethel; Abeloe, William N. (1966). Historic Spots in California. Stanford University Press. ISBN 978-0-8047-4482-9.
- ^ United States. District Court (California : Southern District) Land Case 2245 SD
- ^ Report of the Surveyor General 1844 - 1886


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by Angela
(Los Angeles, Ca)
Dear Heavenly father, I thank you in advance for what you are going to do in my co worker life Lord. I ask in the name of Jesus that you cover her body with your blood protect her from sickness and disease.
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offMetro is a travel resource for city dwellers who want to get out of town–car-optional. oM reports on the best day trips and weekend getaways that are easily accessible via alternative modes of transportation, be it by bike, bus, subway, or boat. If you can't make the weekends longer, strive to make them better.
If you have questions or would like to share local getaway ideas, please contact us at email@example.com.
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Sarah Knapp | Publisher / Owner
Sarah Knapp is a Brooklyn based entrepreneur whose love for the outdoors and community building led her to the October 2013 creation of OutdoorFest. She has a BA in History, is a Wilderness First Responder and a NY state hiking, camp and boating guide. Her proudest achievement to date is reading the Aeneid in Latin. Follow Sarah @srhknpp @outdoorfest @
Lauren Matison | Co-Founder / Editor-at-Large
In 2007, Lauren and her husband Vincent launched offMetro.com with the idea that if you can't make the weekends longer, you must strive to make them better—with a light carbon footprint. When she's not biking over the George Washington Bridge, hiking in the Hudson Valley or riding the rails through New England in search of new oM adventures, Lauren is off exploring the world for Travel + Leisure, Men's Journal, Thrillist and Lonely Planet. Follow Lauren @LaurenMati.
Vincent Crossley | Co-Founder / Technology Advisor
Vincent spent long hours developing this site, and hopes you enjoy his handiwork. In addition to web development, he is an avid photographer and loves discovering new places to bike and surf. Vince was born in Paris, lived in London, Pennsylvania, New Jersey, and Rhode Island, and now resides in the heart of Manhattan, taking every chance he gets to explore off the island. Vince graduated from Lehigh University with degrees in Design and Mechanical Engineering, and continued with a graduate degree at Carnegie Mellon University. Vince most recently worked as a Product Manager at IAC and Amazon, and recently received an MBA at Columbia University. He is also co-founder of TheTake, a new app that lets you buy things you see in movies.
Allison Tibaldi | Senior Editor
Allison is a native New Yorker, who has lived in Rome, Tuscany, Melbourne, Toronto and Los Angeles. She frequently contributes travel pieces to Family Travel Forum, using her own children as guinea pigs as they travel the globe. She is fluent in Italian and Spanish and laughably adequate in French. Her background as an Early Childhood Educator gives her an added understanding of what it takes to travel with kids in tow. She firmly believes that the most important part of education takes place outside of the classroom, on the road, around the world. She never misses a chance to sample local delicacies, as her love for travel goes hand-in-hand with her love for food and wine. Follow Allison at @gourmetrav.
Carly Pifer | Senior Writer
Carly Pifer is a freelance writer who has been known to follow whims inspired by romantic movie scenes or colorful street style shots to India, Japan, Tunisia and Argentina. After stints living in Seoul, Boston, Paris and Los Angeles, writing and searching for something intangible, she landed somewhat steadily in Brooklyn and has begun to find inspiration in her more immediate surroundings (and also the permanence of her bookshelf). She writes about fashion for Refinery29 and has been known to pack an outfit per day on backpacking trips. Please visit her website to read her travel diaries and other writing on the web www.carlypifer.com.
Emily Frances | Photographer
Emily Frances is a documentary photographer and teaching artist based out of Queens, NY. She has been published by University of Chicago Press, American Express, Philadelphia Magazine and Reebok. She is an avid biker and traveler that never leaves home without a camera. Check out her work at emilyfrancesphoto.com
Gordon Macrae | Writer
Gordon Macrae is a travel writer based in Brooklyn. He is currently writing a travel guide to the beaches of New York City and around. He is less Scottish than you think. Find Gordon at http://www.newyorkcitybeachguide.com/
Annie McBride | Writer & Photographer
Annie McBride is an surfer, conservationist and content marketing strategist based in Rockaway Beach, Queens. When she's not the waves she's looking for ways to protect the waves through her volunteer work with Surfrider and Waves for Development. Professionally, Annie is focused on marketing and content creation for mission-driven brands.


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- Home >
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- Bed Rails & Cot Sides >
- Parnell Premier Bed Rail / Cot Side Parnell Premier Bed Rail / Cot Side+-
The Parnell Premier Cot Side Rail has been designed for use with all domestic beds including adjustable beds. Tested by the University of Newcastle to BS EN60601-2-52:2010, the Parnell Premier Cot Side Rail helps to prevent patients from falling out of bed. Easy to assemble and fit with no tools, ties or straps required. The front footplates are flat so there is no tripping hazard or obstacle to wheelchairs or walking frames. Able to withstand a force/pull of 50kg in any horizontal direction when attached to the bed. Can be used with single, double or king size beds.
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- Max User Weight: 114kgs (17.3/4St)
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Park Tool MLP-1.2 Master Link PliersAre dirt and corrosion making it difficult to remove the masterlink from your derailleur chain? Then you need the Park Tool MLP-1.2 Master Link Pliers. Specifically designed to quickly and effortlessly remove and replace masterlinks.
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2015 Hyundai Genesis Awarded IIHS Top Safety Pick Plus
The 2015 Hyundai Genesis sedan has gathered up another accolade.
Hyundai's latest Genesis sedan has become the first and only rear-wheel drive luxury sedan to be awarded an IIHS Top Safety Pick+ rating when equipped with optional front crash prevention. The 2015 Genesis sedan was also the first rear-wheel drive luxury sedan to earn a "Good" rating in the small overlap crash test.
SEE ALSO: 2015 Hyundai Genesis Review
The all-new 2015 Genesis features new sensory surround safety technology including a Hyundai first, automatic emergency braking (AEB). It uses sensor fusion technology to help avoid a potential collision or reduce its impact. In addition, the sedan combines available lane departure warning (LDW) with lane keep assist (LKA) to provide a driver-adjustable level of steering assist, helping to prevent inadvertent lane departure.
"The TOP SAFETY PICK+ designation recognizes state-of-the-art safety," said IIHS president, Adrian Lund. "The new Genesis is not only engineered to protect people when crashes happen, but with its optional automatic emergency braking system rated superior in our tests, this car can help drivers avoid some of the most common kinds of collisions altogether."
GALLERY: 2015 Hyundai Genesis Sedan
Discuss this story at our Hyundai forum


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Endless Vigil was an Empress' Guard feat of those who never wavered when protecting his charge. They required only half the sleep of a normal person, and could go for up to three days without any sleep at all. [1]
- ↑ Secrets of the Crane, p. 53
|This Crane Clan related article is a stub. That means that it has been started, but is incomplete. You can help by adding to the information here.


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Catcher Jesus Flores, who is still rehabbing from shoulder surgery, won't be available when the Nationals start their spring training slate next week, manager Jim Riggleman said.
Flores, coming back from a torn labrum, is able to play catch from 90 feet, but the Nationals are having a coach throw the ball back to pitchers instead of Flores while he catches bullpen sessions. And the longer the situation stays the way it is now, the more likely Flores could start the season on the disabled list, with Wil Nieves once again making the team as a backup to Ivan Rodriguez.
"He won't be playing in the games early on," Riggleman said. "I'm not sure when we'll get him in the game."


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Meaning and Origin of: Ferdinand
Search for Names & Meanings Top 100 Names for Boys Top 100 Names for Girls Last Name History & Meaning Name Popularity Tracker Celebrity Names Search for Names by Trait Browse First Names A-Z Browse Last Names A-Z Browse First Names by Origin Browse Last Names by Origin Baby Name Lists How to Choose a Name
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Boy name origins & meanings:
- German : Courageous traveler
Boy name variations
Family name origins & meanings:
- German and French : from a Spanish (Visigothic) personal name composed of the elements farð 'journey', 'expedition' (or a metathesized form of frið 'peace') + nanð 'daring', 'brave'. The surname is of comparatively recent origin in German-speaking countries and in France, for the personal name was not introduced from Spain until the late 15th century. It was brought to Austria by the Habsburg dynasty, among whom it was a hereditary name, and from Austria it spread to France. The Iberian cognates are of more ancient origin and more frequently found today, since the name was much favored in the royal house of Castile. It owes its popularity in large part to King Ferdinand III of Castile and León (1198–1252), who recaptured large areas of Spain from the Moors and was later canonized.


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Joseph Gordon-Levitt is off Sandman. This pretty bitter news came straight from the actor/director/creative whirlwind himself on Facebook:
So, as you might know if you like to follow these sorts of things, a while back, David Goyer and I made a producing deal with Warner Brothers to develop a movie adaptation of Neil Gaiman's SANDMAN. Neil himself came on as an executive producer, we hired the excellent screenwriter, Jack Thorne, and we started in on the ambitious task of adapting one of the most beloved and boundary-pushing titles in the world of comics. I was pleased with the progress we were making, even though we still had quite a ways to go.
Recently, as you also might know if you like to follow these sorts of things, the sorta "ownership" (for lack of a better term) of the Sandman material changed hands when Warner Brothers shifted the entire catalogue of Vertigo comics (an imprint of DC) to their subsidiary, New Line. And a few months ago, I came to realize that the folks at New Line and I just don't see eye to eye on what makes Sandman special, and what a film adaptation could/should be. So unfortunately, I decided to remove myself from the project. I wish nothing but the best for the team moving forward.
I'd like to thank all the great people I've had the opportunity to work with on this one. I've had a blast with and learned a ton from David and Jack. Niija Kuykendall, Greg Silverman, and everyone at Warner Brothers have been fantastic, as have Geoff Johns and everyone at DC. And it's been a particular privilege as well as a rocking good time getting to know Mr. Gaiman, whose generous insights and masterful work have certainly convinced me that the Lord of Dreams and the Prince of Stories are one and the same Endless pattern."
That's pretty sad news for anyone who has been following the gestation of the project, which certainly sounded like a very interesting one to be coming from a major studio. JGL is pretty clear on what it wasn't working, with the transition to New Line causing some kind of friction for the filmmaker. He was on board as a producer but everyone was hoping that he would also play the central part of Morpheus - he has the presence and clearly a lot of passion for the project.
As of right now the script is still being written, and there's no confirmation on director, cast or release date. We wouldn't be surprised if this particular dream never comes to pass.


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RCB got off to a shaky start in their chase. In the first over itself, off-break R Ashwin had A B de Villiers stumped for a duck off 3 balls. But in the next ball, new batsman Virat Kohli struck the innings' first four.
Then after Doug Bollinger conceded just 2 runs off the second over, Gayle smacked Ashwin for a straight boundary, before teaming up with Kohli to knock a four and two sixes off Bollinger in the 4th over as the score climbed to 31/1.
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Then Gayle welcomed Suresh Raina to the crease by lofting him for a straight six, before Kohli cut the same bowler for a four and Gayle rounded off the over with another boundary. The Royal Challngwers Bnagalore were in a healthy position at 71/1 after 9 overs.
Gayle then struck Albie Morkel for his fourth six as Bangalore scaled to 80/1 in 9.4 overs before Kohli was dismissed by the same bowler for 31 off 29 balls. In the 13th over, Gayle edged Bravo very fine to pick up another four and with that notch up his 50 of just 34 balls. In Bravo's following over, Gayle struck another six to bring uip the RCB's 100 in 14.1 overs.
In the 18th over, Gayle had a slice of luck when he was dropped by Raina. He made the bowler immediately pay for that error by smashing a six and a four off him, before running a single to seal the win.
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