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State of New Jersey Uninsured Motorists Identification System. Insurance Company Participation Guide
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1 State of New Jersey Uninsured Motorists Identification System Insurance Company Participation Guide
2 UMIS TABLE OF CONTENTS General Information Introduction Program Overview Common Processing Monthly Cycle Data Submissions Match Processing Post Cycle Processing Reports Technical Specifications Glossary Appendix A. Production Schedule B. Record Layouts C. Report Samples D. Sample Letter to Motorist E. Contact Enrollment Form F. No Activity Report G. Information for Access Page 1 of 15
3 INTRODUCTION Welcome to the State of New Jersey s Uninsured Motorist Identification Program. This program was instituted by the State of New Jersey in September 1991 to reduce the number of uninsured vehicles on New Jersey s roads. This UMIS User Manual is a guide to participating insurance companies and their servicing agents. It contains the procedural details and computer data specifications you will need for proper reporting. If you are a new company joining the UMIS program there are certain steps to follow in order to be established within the UMIS processing cycle. Please see appendix E & G for the forms to fill out and return concerning your company s contact information. We will need multiple contact names/addresses and servicing agents before computer processing commences. You will need time to program and test to our specifications before your first submission. Insurance Company Involvement The success of the Uninsured motorist Identification System is entirely dependent on the participation by all insurance companies that issue private passenger automobile policies. The program is designed to persuade the uninsured population to obtain insurance or stay off the road. If the program is successful, benefits should be seen by insurance companies as well as insured motorists. We are dedicated to making the program successful and would like to thank all the companies participating in the Uninsured Motorist Program. The New Jersey Department of Banking and Insurance is the enforcement agent for UMIS and receives statistics on all submissions. A company which fails to submit their data in a timely manner or whose data is rejected will be subject to penalties as defined in the regulation associated to the Uninsured Motorist Identification System. Since the success of this program hinges on timely and accurate data; no late or inaccurate reporting will be excused. About this Guide This guide is designed to explain all the steps involved in monthly data submissions. We hope that with a full understanding of the program, companies will be better able to understand the importance of their role and the problems that non-compliance would cause for the motorists and their insurers. We begin with a short program overview to explain how the uninsured motorists will be identified. Unique features of the monthly cycle will be explained in the next section by chronological order of events. At the end of the guide are several appendices that provide technical details and actual copies of the output reports. We hope this guide will be helpful and remind you that the UMIS HOTLINE is available for any questions at (609) Fax Page 2 of 15
4 Program Overview A monthly cycle identifies those motorists who allow their insurance coverage to lapse due to non-payment of premium the data you send us is used only in matching during that processing cycle and is not retained on our data base. Therefore when the processing is complete, the noncritical errors returned to you should be corrected and applied to your data base. Monthly Cycle The monthly cycle is accomplished by the monthly collection of (non payment of premium cancellations) from all insurance companies. In addition, to avoid identifying motorists who have changed their coverage from one carrier to another, new policy data is also collected. Those motorists who have been canceled due to non-payment of premium and have not been issued a new policy, and whose vehicle is still registered will be notified. See appendix D for a sample memo. Vehicles dropped from a policy at the insurers request are not to be reported. Nor are miscellaneous type vehicles such as trailers, motorcycles, snowmobiles, farm equipment and motor homes. Antique cars can be reported in the monthly cycle. Endorsements are new issues to include vehicles that are added to an existing policy or that replace vehicles on existing policies (Note: the replaced vehicle is not reported). The effective date for these endorsements is the date that coverage for that vehicle begins. Policy reinstatements which in a prior month have been previously reported as a cancellation must then be reported as a new issue. The report time frames should allow sufficient time to assure that reinstatements without a lapse in coverage will not be reported. Cancellations should not be reported until a reinstatement is no longer an option. Any policies which are reinstated with a lapse in coverage must be reported as both a cancellation and a new issue, even if the cancellation and subsequent reinstatement occur in the same month. Fleet policies (not to be confused with commercial)with less than 5 vehicles should be reported and would be assigned an abstract code. Fleet policies with greater than 5 vehicles should NOT be reported. If a customer is registered as commercial only with the Department of Banking & Insurance and they write commercial-private passenger policies, they need to change this with DOBI. Private passenger type automobiles can be written on a commercial policy. They are defined as a vehicle that meets the definition of NJSA 39:6A-2a and is owned by a corporation, partnership or any other entity except and individual, husband and wife, or a civil union couple and used for business purposes. Page 3 of 15
5 Common Processing Upon receipt of a Data Motion transfer from an insurance company, the Office of Telecommunications and Information Systems (OIT) data center logs the submission and screens the data. The standards set forth in the technical specifications must be strictly followed by each company as UMIS can only process data using the standardized formats. Insurance company data will be immediately returned for correction for critical errors. It is very important that the contact information we maintain for your company be complete and up to date so that errors are routed to the proper person for quick resolution and re-submission. After passing the initial screening, all validated data is pooled for final processing in a match process. Summary reports are returned to each submitting insurance company, along with listings of non- critical errors. The latter should be corrected in your data base; they don t need to be resubmitted. Note: In the past, owners registering their vehicles privately and insuring them under commercial policies would be identified as uninsured. These owners could either insure their vehicles privately or register them under a company name. UMIS accepts commercial lines nonfleet policies that are issued on private passenger automobiles. Common Critical Error When a file through Data Motion transfer cannot be read by the UMIS screening program, the company will be notified immediately. Early submissions will enable companies additional time to correct these types of errors. The data must be corrected and returned by the error return due date specified on the Production Schedule, in appendix A. The following are common errors that cause the screening process to reject a file. See the technical specifications for the standards that must be followed, Incorrect header record The header record helps UMIS/Hotline personnel determine if the data about to be read is from the appropriate company and is for the current cycle. If fields in this record are formatted incorrectly, the data will be rejected. A common mistake is the incorrect formatting of the Original Cycle Due Date. This field must be formatted as the date on the Production Schedule that the data was originally due. Normal submissions and subsequent corrected error re-submissions should have the same original cycle due date (not the corrected error return due date). This date is the 7 th of the month for the monthly cycle. Page 4 of 15
6 Critical Error Report-Invalid Data Transaction Format: Error Report received The UMIS screening program verifies every record submitted, and determines if the record is a valid transaction by the system. All transactions that do not meet the minimum requirements for processing will be reported back to the responsible company for correcting. Once all data has been submitted (i.e. by the evening of the due date) Detailed Error Reports are printed for all companies that submitted invalid transactions. These reports are faxed out to the appropriate companies. (See appendix C) Upon receipt of the Critical Error Detail report the companies must correct the incorrect transactions and resubmit ONLY those transactions by the error return due date specified on the Production Schedule. The companies will have approximately one week to correct these errors. Those companies without critical format errors will not receive this report The formatting errors that the screening program identifies are as follows: Missing VIN Missing Transaction Type in the Monthly Cycle C Cancellations and N New Policy Missing or Invalid Date A valid Cancellation Date or Policy Effective Date is required Invalid Type/Date Combo for Monthly Submissions Transaction Type N requires a Policy Effective Date but no Cancellation Date (the latter must be zero filled) Transaction Type C requires a Cancellation Date but no Effective Date (the latter must be zero filled) Any of these errors would make the transaction invalid for the match process. This could mean that a VIN that in fact is insured is identified as uninsured. An incorrect VIN can appear to be correct to the vehicle owner if the VIN is transcribed from the registration card. A prefix to the VIN is printed on this card which blends in with the VIN itself. For this reason, the VIN should be taken from the vehicle or title document. Other VIN problems may be caused by poor handwriting or using the letter O instead of the number 0 The letter O is never used in a VIN; it s always a zero. Page 5 of 15
7 Persistent Errors If after resubmitting the data, there are still critical errors the data will be returned again for correction. Valid data must be obtained from all companies to ensure the success of this program. Companies who have their data returned a second time will have less than five days from the first error due date to resubmit the corrected data. Re-submissions must be received by the 18 th of the month for the monthly cycle. Out of Range Data Submissions The monthly cycle will accept effective dates beyond the month specified for the cycle. However, if the effective date is many months in the past, the transaction will be discarded prior to matching. Otherwise, the transaction is held on a pending file for subsequent processing in a future cycle to permit some overlap for end of month transactions or premature-submissions. This recycling will occur until the transaction has aged and is ultimately purged from the UMIS system. While premature-submissions are not encouraged, UMIS will self correct for them but an out of range by effective dates report is reviewed by Department of Banking and Insurance (DOBI) for their follow-up with the offending companies. The recycled file may also be the source of duplicate errors appearing on the month end report. The duplicate VIN may have been reported twice in subsequent months. Page 6 of 15
8 Monthly Data Submissions Participating insurance companies are required to submit data monthly by the due dates specified on the Production Schedule in appendix A. Besides all non-payment of premium cancellations, new policies issues (new VINs or new vehicle endorsement on an existing policy) for the specified month must be reported. A different transaction record must be reported for each VIN that is either canceled or newly issued. Making the Due Dates The schedule allows companies a minimum of at least one month for reporting activity occurring in a prior month, i.e. the effective dates of New Policies and Cancellations are over 1 month earlier than their cycle due date. This is intentional to help eliminate reinstatements and provide companies enough time to compile data from all their agents and still meet the due dates. The 15 items of data must be submitted in the standard format as specified in the Technical Specifications provided as appendix B of this guide. Data Motion is the only valid method for data submission. Only one file is accepted per company per month. If a servicing agent is used for an assigned risk pool of drivers, then this data must be merged with the regular submission prior to being sent to UMIS. Special care is needed for the header/trailer records in the combined file so that the record counts are correct. When a company has no data to report, the header and trailer record only needs to be submitted. (See appendix F) Monthly Match Processing The monthly match process begins after all data has been received from the participating insurance companies. Cancellations for non-payment of premium transactions are matched with New Policy transactions. When a match is found between a cancellation and a subsequent new policy the vehicle is assumed to be insured. When a cancellation is not matched with a new policy the vehicle is assumed to be uninsured provided the VIN is valid. First Match in the Monthly Processing Cycle The first match takes place on the VINs as they are provided by the insurance companies. Any cancellation VIN that matches that of a VIN on a subsequent new policy is removed from the pool of potentially uninsured. This will match VINs that are recorded correctly as well as VINs that are consistently recorded incorrectly. Page 7 of 15
9 VIN Edit Any transactions remaining unmatched are sent through a VIN edit routine. VINs older than 1981 will have any non alphanumeric characters removed in an attempt to correct the VIN. For those VINs 1981 and newer R.L.Polk s VINA package will be used to validate and correct the VINs. Any VIN found in error that cannot be corrected by the VINA package will be reported back to the responsible insurance company for their follow up Second Match in the Monthly Processing Cycle A second match process is run to match those VINs that could be corrected to their mates. Leftover cancellations from this process remain in the pool of potentially uninsured and go through Driver License validation. Note that the VIN returned to you is the VIN you submitted. Our editing is done in a temporary field and we leave the original submitted VIN intact. Drivers License Number Validation To ensure that uninsured motorists are properly contacted, it is very important that every attempt be made to provide the appropriate New Jersey Drivers License Number. Any cancellation transaction that remains in the pool of potentially uninsured motorists after the matches will have its Drivers License Number validated. If the Drivers License Number is invalid or blank, the transaction will be reported to the responsible insurance company. If there are multiple drivers and the exact driver is unknown, we still prefer that you supply a driver s license number that is your best information at that time. Usually this is the vehicles owner or the primary driver. Monthly Post Cycle Processing-Overview At the end of each monthly cycle several reports are created. The Motor Vehicle Commission is delivered a pool of potentially uninsured motorists, the Department of Banking and Insurance obtains reports on company participation and two reports are produced to be distributed to the insurance companies. The Motor Vehicle Commissions Action Upon receipt of the report, Motor Vehicle Commission checks its record for license plate returns on the VINs that are potentially uninsured. If the vehicle is still registered the motorist is notified. The motorist is instructed to provide proof of insurance. Be aware that the motorists may be contacting their insurance companies to obtain this proof. Again, accurate reporting practices to the UMIS system should minimize the incorrect identification of uninsured motorists Page 8 of 15
10 Department of Banking and Insurance Companies should make every attempt to comply with the Production Schedule due dates. The schedule allots enough time so that all companies should have no trouble meeting them. During and after the cycle the Department of Banking and Insurance will receive reports regarding insurance company reporting status. To avoid enforcement penalties make sure all data submission due dates are met. Insurance Company Reports Two reports are produced at the end of each cycle and distributed to each insurance company, the monthly Insurance Company Transaction Summary and the monthly Insurance Company Error Detail Report (see Appendix C) These reports are provided to the insurance companies solely for the companies own information-to help companies verify their submissions and clean up their databases. No action is required on these reports however data cleanup within the insurance company s data base is strongly recommended and will reduce future invalid submissions. Insurance Company Transaction Summary Report for Monthly Processing Cycle The insurance Company Transaction Summary Report, reports the number of records submitted, and rejected for the company. The report is distributed for control purposes. The following are the statistics provided on the Insurance Company Transaction Summary. Records Submitted This section of the report is divided into Cancellations Submitted, New Policies Submitted, and Unknown Type Submitted. Within each of these categories, it is important to note that in the future there may be a variety of different types (e.g. Voluntary Cancellations, Voids, Etc.) For each type in each category, the current months and the year to date totals are provided. The Total Submitted in each category is the accumulation of the types that fall into the category and is calculated for both the current month and year to date totals. The year to date totals is accumulated from the first cycle of the calendar year to the present. The grand Total Records Submitted is equal to the sum of the Total Cancellations Submitted, the Total New Policies Submitted and the Total Unknown Type Submitted, for the current month and year to date. Page 9 of 15
11 Records Rejected This section is also divided into Cancellations Rejected, New Policies Rejected and Unknown Type Rejected. Each category is then divided into several different types of rejections. The rejection type totals are accumulated monthly and year to date totals. The year to date totals is accumulated from the first cycle of the calendar year to the present. The Total Rejections in each category is the sum of each type of rejection, both for the current monthly and year to date. The grand Total Records Rejected is equal to the sum of the Total Cancellations Transactions Rejected, The Total New Policies Transactions Rejected and the Total Unknown Type Transaction Rejected, for the current month and year to date. It should be noted that these totals reflect the number of transactions rejected and the Detailed Error Report reflects the number of errors which could include multiple errors per transaction. The percent of total records rejected for both monthly and year to date are calculated as follows: Total Records Rejected Total Records Submitted Detailed Error Report for the Monthly Processing Cycle Along with the Insurance Company Transaction Summary, the Error Report will be provided at the end of the cycle. This report lists any transaction errors that were encountered during the cycle run that were not previously reported for error correction. Companies that have no errors will receive the report with no errors message. The Policy Number, error code, error description, VIN, Driver License Number, Transaction Type and Policy Effective or Cancellation Date are detailed for each record that errors. The report is ordered by policy number, VIN, and error code. The possible types of errors are as follows: Invalid VIN Invalid Driver License If critical errors are still not corrected they will also be reported. These types of errors are as follows: Missing VIN Missing Transaction Type C Cancellation N New Policy Page 10 of 15
12 Missing or Invalid Date A valid Cancellation Date or Policy Effective Date is required Invalid Type/Date Combo Transaction Type N requires an Effective Date but no Cancellation Date Transaction Type C requires a Cancellation Date but no Effective Date Duplicate Transactions The same record was sent twice on this month s submission. The same record was submitted prematurely in a prior month and did not process until this month. IMPORTANT NOTE: Non-critical errors detailed on this report may include transactions from previous cycles, especially if their effective dates were a month ahead of the cycle due date All companies should review the results of their submissions carefully and correct as many errors as possible in their data base to prevent these same errors from recurring in the future. In the case of duplicate records, the second of the two was dropped during our processing so no action is required. However, if there is a large and persistent quantity of duplicates, there may be an effective date out of range problem in the program creating the submission that should be fixed. To correct invalid VINs and Drivers License Numbers you should contact the policy holder. It is possible that that Motor Vehicle Commission has the same incorrect VIN since the information is usually recorded from the registration document. The more accurate the insurance company data becomes, the more accurate the Uninsured Motorist Program will be. Insurance Company Transaction Summary The Insurance Company Transaction Summary reports the number of records submitted and rejected for the company. The report is distributed for control purposes. The statistics are: Records Submitted Total Effective Policies Records Submitted (Total count of records) Total Effective Policies Records Incorrect (Total records found in error) The percent of total records incorrect is calculated as follows: Total Effective Policies Records Errored Total Effective Policies Records Submitted Page 11 of 15
13 TECHNICAL SPECIFICATIONS FOR MONTHLY DATA SUBMISSION All insurance companies must supply information through a Data Motion System (see appendix B) A. Data Motion Transfer via Internet Register to My New Jersey portal on the Internet. Microsoft Internet Explorer 5.5 Browser or higher is needed. Your system administrator has created a secure account for you at: https://ssl.datamotion.com/r.aspx?b=8&e=xxxxx%40xxxxxx%2ecom&p=544p&cb=sonj All Chrome and Firefox versions are compatible with the portal. If there is an issue it is suggested to utilize versions of IE 9 or below B. No Activity FORM ( see appendix F) In the event that an insurance company has no policy information at this time for New Jersey, a paper form must be filed with the UMIS hotline by the due date (609) Fax Page 12 of 15
14 GLOSSARY Critical Error- A data error on an insurance company s original submission, that prevents proper processing. It can be caused by inability to open or process a Data Motion Transfer, a bad date on the HEADER record, or key matching fields are missing on the individual data records (missing VIN, effective date, transaction type) DOBI Department of Banking and Insurance for the State of New Jersey MVC Motor Vehicle Commission Endorsement Any private passenger automobile addition/replacement to an existing policy. Fleet Policy A policy insuring multiple private passenger vehicles for a business 5 or more taxis, limousines, etc. Hit A VIN record submitted by an insurance company or servicing agent which matches the MVC vehicle registration Insurance Company Code The same 4 digit code assigned by the State of New Jersey for an insurance company s abstract requests. This ID code is a unique identification key per company in the UMIS system Monthly Process A special purpose matching by VIN of all insurance companies new policies and cancellations for non-payment of premium within a particular month s effective dates. Non-Critical Error After UMIS processing is complete, records that remain unmatched are checked for potential bad VIN that precluded a match. R. L. Polk s VIN EDIT package is used and records that fail are listed on the returned report at month end. These records should be followed up and corrected on the insurance company s data base to eliminate these problems in future submissions. (There are other errors besides bad VINs; see prior sections for details). Servicing Agent Any person or organization duly designated by an insurance company to prepare, transmit or deliver records on behalf of that company. Page 13 of 15
15 Business Client Instructions NJ MVC mode of transportation for all UMIS accounts has been converted to Data Motion. You will receive a notification at the address you provided : That looks like the following : Your system administrator has created a secure account for you at: https://ssl.datamotion.com/r.aspx?b=8&e=xxxxx%40xxxxxx%2ecom&p=544p&cb=sonj To access your account, simply follow these steps: 1. Click on the above link. 2. Create a password and verify it to protect your account. 3. Access your account to send and receive secure . If you need help, please send an to If you have questions you can forwarded them to the 2 addresses provided above or We don t have a specific time line for the conversion, the average turnaround is about 2 weeks, once we collect your information (business address, address that the invite will be sent to, telephone # etc Please confirm that the following information needs to be confirmed before the Data Motion invitation can be sent? Company: Technical Contact Name : Address: City/ State/Zip Code Page 14 of 15
16 Phone /fax Technical address or a group address ( if more than one person will be involved on the technical side of the house) please advise this is where the invitation will be sent The DataMotion invitation and the manual have an 800 number for the DataMotion helpline. You could try directing questions to our SFT team: but I would contact DataMotion. As I understand it, DataMotion is similar to the portal: instead of logging in there, you ll log onto DataMotion. You will receive your user-id and password from DataMotion, not us. or as we discussed a group address ( if more than one person will be involved on the technical side of the house) Page 15 of 15
17 Uninsured Motorist Identification System UMIS Monthly Production Schedule for Cancellation New Policies Original submission Due date Last day for Corrected Critical Errors November 2015 November 2015 January 7, 2016 January 18, 2016 December 2015 December 2015 February 7, 2016 February 18, 2016 January 2016 January 2016 March 7, 2016 March 18, 2016 February 2016 February 2016 April 7, 2016 April 18, 2016 March 2016 March 2016 May 7, 2016 May 18, 2016 April 2016 April 2016 June 7, 2016 June 18, 2016 May 2016 May 2016 July 7, 2016 July 18, 2016 June 2016 June 2016 August 7, 2016 August 18, 2016 July 2016 July 2016 September 7, 2016 September 18, 2016 August 2016 August 2016 October 7, 2016 October 18, 2016 September 2016 September 2016 November 7, 2016 November 18, 2016 October 2016 October 2016 December 7, 2016 December 18, 2016 November 2016 November 2016 January 7, 2017 January 18, 2017 December 2016 December 2016 February 7, 2017 February 18, 2017 January 2017 January 2017 March 7, 2017 March 18, 2017 February 2017 February 2017 April 7, 2017 April 18, 2017 March 2017 March 2017 May 7, 2017 May 18, 2017 April 2017 April 2017 June 7, 2017 June 7, 2017 NOTE: PLEASE SUBMIT IN A TIMELY MANNER, SUBMISSIONS ARE ACCEPTED EARLY State of New Jersey Appendix A 2013
18 Monthly Submission Header Record Layout Description Field # Field Name Start Column 1 Record Name 1 alpha/numeric(6) 2 File Type 7 alpha/numeric(1) 3 Insurance Company Code 8 numeric(4) Type & Length Description Comments Must contain the word HEADER *must contain N for a normal file submission or * must contain E for a corrected error file resubmission MVR code assigned by New Jersey Motor Vehicle Commission for driver abstracts 4 Time Stamp 12 numeric(6) File creation time 5 Date Stamp 18 numeric(8) File creation date 6 Original Cycle Due Date 26 numeric(8) The date on the Production Schedule that all data was originally due It s the same date (the original cycle due the 7 th of the month) for normal submissions and subsequent error resubmissions To indicate the FIRST record in the file HHMMSS (hours, minutes, seconds) MMDDYYYY (month, day, year) 7 Filler 34 alpha/numeric(167) TOTAL RECORD LENGTH 200 MMDDYYYY (month, day, year) Note: DD= 07 always Appendix B page 1 of 3
19 Field 1 Field Name Start Type/Length Description Comments Column 1 Vin 1 alpha/numeric(19) Vehicle Identification Number- If the vehicle manufacture year is 1981 or newer. Left justify This field must have 17 positions 2 Driver License Number 20 alpha/numeric(15) Must contain contiguous characters of a New Jersey Driver License Number. Owner of vehicle (preferred) or primary driver s license # If out of state (not NJ) driver fill with spaces. Left justify 3 Make of Car 35 alpha/numeric(5) National Crime Information Center (NCIC) standard or (ISO) standard vehicle make Left justify code 4 Year of Car 40 numeric(4) Four digit vehicle model year YYYY 5 Model of Car 44 alpha/numeric(5) National Crime Information Center (NCIC) standard vehicle make code. Must contain contiguous characters Left justify. Optional 6 Insurance 49 numeric(4) MVR code assigned by New Jersey Motor Vehicle Commission for driver abstracts Company Code 7 Policy Owner 53 alpha/numeric(30) Left justify Street Address 8 Policy Owner 83 alpha/numeric(20) Left justify City 9 Policy owner 103 alpha/numeric(2) State 10 Policy Owner Zip Code 105 alpha/numeric(9) Zip Code of policy holder. 5 digits required but 9 digits preferred Left justify. Last 4 digites must be filled with spaces if not 9 11 Transaction Type Code 114 alpha/numeric(1) C for cancellations; N if new policy 12 Policy Effective Date 13 Policy Cancellation Date 115 numeric(8) The date the new policy became effective. Required for N transactions only, otherwise do not use this field and zero fill 123 numeric(8) The date the policy was cancelled. Required for C transaction type. Otherwise do not use this field, and zero fill instead MMDDYYYY if not N trans, then must default to zeros MMDDYYYY if not C trans, then must default to zeros numeric(8) Format with the creation date/ date submitted MMDDYYYY Date Stamp alpha/numeric(30) Insurance company s unique policy identification number. If not used then must Left justify. Policy Number full with spaces Optional 16 Filler 160 alpha/numeric(31) Space fill TOTAL RECORD LENGTH 200 Appendix B page 2 of 3
20 Field # Field Name 1 Record Name Insurance Company Code 2 Time Stamp 3 4 Date Stamp 5 Total Records Count Start Column Type & Length Description Comments alpha/numeric(7) Must contain the word TRAILER To indicate the LAST record in the file MVR code assigned by New Jersey Motor Vehicle Commission for driver abstracts and same as code numeric(4) Header record numeric(6) numeric(8) numeric(8) File Creation Time File creation date The total number of records in the file including the header and trailer records HHMMSS (hours, minutes, seconds) MMDDYYYY (month, day, year) 6 Total New Policies 34 numeric(8) The total count of records with a transaction type of N in the file 7 42 numeric(8)) The total count of records with a transaction type of C in Total Cancelled Policies the file 8 Filler 50 alpha/numeric(151) Space fill TOTAL RECORD LENGTH 200 Appendix B page 3 of 3
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text: Other than First Meditations, which was not released at the time, Sun Ship was the final studio album by John Coltrane's classic quartet (with pianist McCoy Tyner, bassist Jimmy Garrison, and drummer Elvin Jones) before Pharoah Sanders joined the band on second tenor. At this point in time, Coltrane was using very short repetitive themes as jumping-off points for explosive improvisations, often centered around one chord and a very specific spiritual mood. Tyner sounds a bit conservative in comparison, but Jones keeps up with Trane's fire (especially on "Amen"). Even in the most intense sections (and much of this music is atonal), there is a logic and thoughtfulness about Coltrane's playing. Allmusic

subset: commoncrawl


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No. 27: Andrew Cashner
Position: SP | Age: 30
Current Team: Marlins | Best Fit: Pirates
2016 Stats: 5–11, 5.25 ERA, 1.53 WHIP, 7.6 K/9
Cashner has still got strong stuff, boasting the high-90s heater that once led the Padres to trade Anthony Rizzo to the Cubs acquire him back in 2012. He's simply not effective enough at controlling it, as his relatively low strikeout rate (and escalating walk rate and WHIP) suggests. This just sounds like a job for Ray Searage, the Pirates' pitching coach and resident miracle worker.


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I always enjoyed showing my penis to unexpecting girls.I liked wearing a pair of swimming trunks without a lining in them, giving them a glinpse of my balls or penis. I enjoyed the expression on their faces. You could always tell when this happened. Some would have a shocked look on their face or go tell a friend that was swimming ,and they would slowly get to where they might see it again.I would hear the one tell the other how big it looked.With me knowing I would move my leg and lettin them get a good look at my penis. then I could hear them talking about what they just saw.All the time acting like nothing was going on,I would get up from sitting at the edge of the pool and get in a pool lounger and pretend to doze off and they would notice and would position themselves to be able to see my goods again. At one point the two girls were standing in front of me looking in the leg of my suit and I got aroused knowing this and I actually came and came hard. I heard them gasp in disbelief in what they just saw. I pretended to wake up and both girls immediatly jumped in the pool. I laid there for a minute and got up and got my towell and went home with both girls looking at the cum running down my leg. when I got home I had a jack off session that topped them all.
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What is a cute baby girl's name?
Is zacariiya a cute name for a baby girl?
no because i think zacariiya is a boys name in my class a boys name is zacariiya and it does not suit him so it would not match a girl ever
What is a cute email address involving a name The name is Gianna.?
What makes a baby cute?
I like how innocent and tiny they are. They big eyes when they look up at you. The fact that they dont have any teeth but their smile is so beautiful. How u can hold them so gently and they relax i...
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What to eat during pregnancy to get fair and cute baby?
baby bunnies, puppies, and some kittens.


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Discussion in 'NFL Zone' started by lane, Feb 2, 2014.
So anybody who is confused when someone points to one of those three stats, anybody who sees it as an excuse or a consolation, just needs to remember yesterday's game.
That's what a complete team looks like.
The one stat that equates to wins and losses more than any other especially during the playoffs and SB is a QB's TD to turnover ratio. Manning's TD to turnover ratio yesterday was 1-3 compared to 2-0 for Wilson. Turnovers are a killer in the playoffs and SB they put defenses back on the field and force them to have to defend a short field. In Seattle's 3 losses in 2013 Wilson had 4 turnovers.
Did I hear it right last night when they said the Seahawks are mostly made up of mid round picks and street free agents? If so, WOW. Why can't we do that? By the way, I know the real answer to that question.........
That's going in the sig for a while, because I have a feeling I'll be referencing it quite a bit when we talk about building a winning team in coming threads.
Just like a couple years ago when the only guy playing for Denver was Tebow.
True. Except Manning actually has talent and Tebow did his on smoke and mirrors. But man, the end of 2011 was too much for me hearing about Tebow. The beatdown they got by the Pats was so sweet. Wasn't it something like 35-0 early in the 2nd? Then NE took their foot off the pedal and coasted.
I thought Peyton's OL looked awful yesterday. He had no time to throw at all. The few times he did, they moved the ball. I don't think he looked like a rookie at all. The 5 guys in front of him didn't show up. On top of the poor blocking they had stupid penalties at bad times.
Exactly. The sooner that some of the people who can't grasp this learn this simple fact the better.
And last night also should remind people that strong defense beats strong offense in playoffs and championships.


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Forums: Admins | Moderators
Lacrosse news straight to your inbox.
Tuesday August 6th, 2013 1:02am
New to the Stringers Spotlight but well known on The Lacrosse Forums as LAXFreak04, Spencer Madden hails from Eugene, Oregon, where he is an assistant coach at South Eugene High School, his alma mater. A sophomore at the University of Oregon, Spencer played in the past for one of Rhino's travel teams and later at the University of Portland, before transferring.
While Spencer is unfortunately no longer playing, he's doing some fantastic work over on the Forums. (See his Megathread here.) We connected with Spencer to have him try his hand at a number of pockets. The first piece of work by Spencer also requires a bit of an introduction, as it's a factory-pinched Warrior Evo 2.0, with a teal to silver chrome fade that Justin "Smitty" Smith, of the Charlotte Hounds, wanted ILGear.com to see and have strung up. The chrome finish is the work of the Mueller Corporation, the company Smitty has worked with in helping drive the chrome craze. (He's got some other super cool treats that he's sent our way, so stay tuned for those too.)
For this one, we still had some lingering thoughts of the Rochester Knighthawks and their terrific run to the 2012 NLL Champion's Cup. And so it made sense to hook Spencer up with some tan leathers, white cross lace and purple shooting strings from Lacrosse Unlimited to make this look and feel like a tribute to the Knighthawks' accomplishments. And because we wanted it to have strong hold, we asked Spencer to make a wide, 5-diamond traditional.
"I love Evos, chrome, Knighthawks colors, and trads," Spencer says. "This was simple to string and took the least time, but still is a tricky pocket to get right. I prefer stringing my pockets as defined as possible, which when done correctly adds a ton of hold and not necessarily any whip. I added the extra shooter to provide a really smooth release, because sometimes defined trades lip a bit more. The key for these for me is to string it all through loose just to get the placement of the interlocks, then go back and tighten it up."
Check out this awesome set up below. You can reach Spencer via his user profile on TLF for stringing services. To see all of the work we've featured in the Stringers Spotlight so far, click here.
Follow @IL_Gear on Twitter for the best lacrosse gear, fitness instruction, Xs and Os, and lifestyle content.


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Ralf Just
- LocationWeilheim an der Teck, Germany
- Phone015225216942
- WebsiteRalf Just website
Available for work in:
- Weilheim an der Teck, Germany
Photography is as varied as the subjects themselves. For this reason I always felt fascinated and enthusiastic about it. Since many years I dedicate myself keenly to different sectors such as sports and industrial photography, portraits and photo reportages. In my work, I put great emphasis on the consideration of the particular and specific requirements that all these sectors implicate. While I catch people in their usual element and their dynamic for sports photography, I create a familiar atmosphere for portraits, in which you as my customer will be able to feel comfortable. This is the only way to capture the desired mood and bring off a relaxed and enjoyable shooting. This procedure is essential for me to convey authentic pictures and moments. My regular customer base contains the local newspaper, individuals, but also small and medium-sized enterprises as well as advertising agencies. I rely on confident cooperation and intensive communication to implement all customer requirements exactly and competently. For best results, I consider your goals and ideas. Further, I apply my personal experience to present your products, employees or premises in the proper light.


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text:
Employers must employ many safeguards and work continuously to maintain a safe place for employees, customers, visitors and vendors. However, violent incidents can never be completely prevented and businesses are vulnerable. This workplace violence seminar is intended to assist in the development of plans, policies and procedures to prevent, mitigate and respond to a workplace violence within and outside employers facilities. Pre-Incident Prevention and Preparation, Management During an Incident, Post Event Management, Safety Tips for Personnel and Additional Resources.
HR executives are often unprepared for violent or harassing behavior in the workplace, and reluctant to take the lead in creating and implementing plans, policies and procedures to prevent violent behavior. All too common is a policy of "crossing our fingers and hoping for the best". Or even worse, employing the Law of Self-Exclusion, which states, "It can't happen here. We've never had a real problem.".
Even HR executives who understand the real potential for episodes of violence or harassment in their workplaces may believe (with justification) that management will be unwilling to address the problem or approve a budget until AFTER a serious incident occurs.
In that there is no specific OSHA requirement mandating employers have violence prevention programs, many organizations believe they do not have to be concerned with government fines and enforcement action. This is untrue! In the aftermath of a serious incident OSHA may impose a variety of penalties and take other actions based on the "General Liability Clause" which requires employers to effectively address any and all foreseeable hazards that could cause serious injury or death.
Intended Benefits Include:
EventList powered by schlu.net


text:
Question: Compare the relative merits of banning certain types of market
Compare the relative merits of banning certain types of market structure with banning certain types of market behavior.
View Solution:
View Solution:
Answer to relevant QuestionsIf two or more firms are charging similar prices, does this imply that collusion is taking place? What evidence would you need to determine the existence of collusion?Examine the case for public ownership of an industry where a natural monopoly exists.Why will investment affect both actual (short-term) growth and the long-term growth in potential output? What will be the implications if these two effects differ in magnitude?The overall balance of payments must always balance. If this is the case, why might a deficit on one part of the balance of payments is seen as a problem?What will cause people to expect higher rates of inflation? How will expectations of inflation affect the actual rate of inflation?
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About the Book
During 2011, I joined the ranks of millions of people who purchased an Apple iPhone 4. The device is not only a mobile phone but a miniature mobile computer with a built in 5 megapixel still camera.
Combined with the Hipstamatic app, the portable device packs a powerful punch and is capable of taking photos that are reminiscent of 6x6 medium format photography.
Being a fan of black and white medium format photography, I found using this little camera a great way of instantly and inexpensively getting that classic look normally reserved for cameras such as Hasselblads, Mamiyas, and Rolleiflexes.
Features & Details
- Category Travel
Small Square, 7×7 in, 18×18 cm
440 Pages
- Publish Date Nov 09, 2011
- Language English
- Tags camera phone, hipstamatic, austamatic, iphone, phone, sydney, perth, australia, B&W, square
About the Creator
Alec Dawson is a Mexican-American photographic artist who has been photographing the art nude since 2007. Alec was born in Mexico City in 1975 and has lived in the United States of America, Mexico, Dominican Republic, Turkey, and Australia. Alec studied and received a degree in Civil Engineering from the University of California, Berkeley and has worked as a consulting engineer in that field since then. He has no formal training in the arts and is almost entirely an auto-didact on the subject of photography. Alec enjoys exhibiting his photographic art on the internet as well as local exhibitions as well as giving lectures on the subject on the art nude to photographic societies.
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There's no doubt that this post would trend. Just look at those dicks, and those guys! Bel Ami's Gaelan Binoche giving Jason Clark a cum facial has to be the best scene of the week. Check it out for yourselves.
"Dark-haired Jason Clark loves getting his ass slammed by a big dick. I wonder if he likes getting his glasses smeared with a load of flying jizz. Yes? No? Either way, Gaelan Binoche blasts right across Jason's face, and his glasses get a little messy."


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2 Space Aliens are working with the U.S. Government says former Minister of Defense of Canada!!
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send them a message----READ THE BIBLE---they'll hate it and turn off their tracking device they put in you!
Pray to Christ, Praise Christ.....that will get rid of them.
They HATE Christ, for he has unlimited power!
We were made in the image of God, the fallen angels hate us because we have a Holy Spirit around us that protects us....pray to the Father, Christ our Lord---without stopping----that will be like putting acid on their skin!
Anonymous Coward 1257093
Thanks for your response! This is the part that is so crazy, I am a Christian! I have been in active ministry for 8 years, born again for 10 years, and Bible School graduate and all that. Not a day goes by I don't talk to Jesus. I have a hard time with this experience. I don't feel like it was a negative thing. For all I know it could have been angels doing something to me. I have no clue. I just know that I don't let it affect me mentally or emotionally and stress me. I just thank Jesus that if anything bad happened then I am protected by him.
You said:
"born again for 10 years,"
HUH????you were born again, when your mother birthed you.
many people do not understand what born again means....you were created in the first earth age (Genesis 1:1)..Genesis 1:2 AND the earth was void and without form....
this is when Satan was kicked out of heaven along with his 7000 fallen angels.......God ended the first earth age when the earth was without form......and created this second earth age (you were born again, when you were born of water---through the womb of a woman-----you should know this if you were taught correctly---
(read the bible for yourself with a Strong's concordance, when you doubt the meaning of a word LOOK IT UP...strongs goes back to the original manuscripts...to give you the correct meaning.)
God created the earth to be INHABITED by his children----Isaiah 45:21.....and yes, we WILL INHERIT the earth, heaven is right here on earth, once Christ incinerates Satan and his fallen angels and all those with bellybuttons that follow the anti-christ when he shows up......
i can't wait...it's going to be soooooo beautiful, and i am a pillar of HIS temple-----since he manifested himself to me; i know who i am one of HIS very elect; and i look forward to the Holy Spirit speaking through me when i am delivered up-----you'll know me---when they deliver me up to satan ...i'll be grinning EAR TO EAR! the secret inside of me (Christ) will incinerate satan....i am Christ's secret weapon, as are all of his 7000 elect! Hope to see you in our group of 7000!
Anonymous Coward 1257093
Anonymous Coward 1257093
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Palm Beach Gardens, Fla. - Having spent the last 15 winters in Jupiter, Fla., I've been consistently impressed by the quality of the area's courses and clubs. No wonder so many tour pros, including Jack Nicklaus, Gary Player, Tiger Woods, Dustin Johnson, Nick Price and many others live and belong to clubs in the region. Recently I visited the Old Palm Golf Club that four-time major champion Ray Floyd designed, and where he lives on its luxurious and peaceful grounds. Old Palm impressed me from the moment I stepped into the golfing and living retreat 15 minutes inland from the Atlantic Ocean and about the same amount of time north of the Palm Beach International airport.
Now, it's one thing to visit a club and play its course, it's quite another to choose to live there. The best players have the means and opportunity to live and join anywhere, so it's noteworthy when some of them pick one place in fairly short order. Louis Oosthuizen, the South African with one of the sweetest swings in the game, and the 2010 Open Championship winner, has a home at Old Palm overlooking the third hole. His friend and fellow South African Charl Schwartzel, the 2011 Masters winner, followed him when he purchased a property at Old Palm.
Lee Westwood, the Englishman who has won 39 tournaments around the world and posted five top-three finishes in majors, bought property on the par-four 14th hole. His home was under construction when I played the course recently. He's going to have quite a view of the course, and, I understand, his home features a fire pit in the swimming pool. Meanwhile, Darren Clarke, the 2011 Open Championship winner, is a member at Old Palm. That's quite an international foursome and quite an accomplished foursome: Oosthuizen, Schwartzel, Westwood, and Clarke.
Golfers of their quality wouldn't move to a club only for its peaceful environment, lavish clubhouse, and amenities such as a state of the art spa and fitness centre, though. They want a golf course that they can enjoy with friends and family, and, perhaps above all, a first-rate practice area. I'm a practice area geek. I've spent many hours working at the fine practice facilities one finds at Bandon Dunes, Pine Valley, Coppinwood near Toronto, the Dye Preserve, McArthur, The Bear's Club, and Medalist in the Jupiter area. Old Palm's practice facility is second to none. Floyd, still a shotmaker at 70 years old, knew that if Old Palm were going to become a golfer's paradise, it would have to include a tremendous practice area. It has just that.
That's why I wanted to arrive early for my afternoon with three friends at Old Palm. There was no way I was going to just step on the first tee and try to hit a slight right to left shot to work the dogleg on the par-four opener. I wanted to spend quality time working on my game across from the road at the practice area, with its three holes - a par-three, a par-four, and a par-five; with its double-ended range; its short game area that offers not only flat ground but ground that presents a variety of lies - as on the course itself. There's also the Golf Studio, as it's known, with the latest in technology, including V-1 and Trackman. I had trouble tearing myself away to the course.
Given what's available for practice, I wasn't surprised to see some young golfers working on their games on the tee and in the short game area. These were members of the University of Kentucky's boys' golf team. An Old Palm member and University of Kentucky booster had brought the golfers to the club. They'd already played the course and were back working on their games. Later, on the course, I noticed a group of them behind our group. They weren't about to leave Old Palm, not when they had a chance to spend all day there.
The course itself was a pleasure to play, and plenty challenging. Some golfers thought the course was perhaps a bit too easy when it opened nearly a decade ago. But even better players came to appreciate that the fairways were generous because of the wind that usually blows here, and to offer the golfer the opportunity to think and move the ball around. Old Palm is a pleasure to play precisely because it's not a one shot fits all course.
It's fun, after all, to exercise one's imagination and use the ground contours to feed the ball off slopes into specific parts of the fairway and into the greens. That's one way to get at pins tucked behind bunkers in tight areas. Width, as the 2006 U.S. Open champion Geoff Ogilvy, one of the most thoughtful players when it comes to course design, often says, is the hallmark of strategic design. The idea is to hit the right part of the fairway to get the most favourable angle into the greens. The greens, by the way, were re-grassed last summer. They were fast and they were firm. I might add that the course can be played from 4,976 to 7,401 yards. The variety of tees is smart, because a club meaning to appeal to all levels of golfers should include tees that work for everybody.
My caddie, George Slopski, was a definite advantage. George is from Erie, Penn., and caddies at Sebonack Golf Club on Long Island in the summer; the U.S. Women's Open will be held at Sebonack this summer. George used to compete in long-drive championships and, at 48, is now in the 45 and up division when he goes at it again. He looks like a linebacker. He knows Old Palm, and on the first tee he gave me the line off the tee, some 20 yards inside the sandy waste area to the left. I managed to hit my drive there, and had an open view of the green. George, by the way, had caddied for Floyd the day before, and for Westwood a week earlier.
George not only knew the lines off the tees, but he's a master greens reader. I was hitting the ball nicely for the most part, and missed birdie putts from the sixth and seventh greens. My fault, not George's. I didn't roll the ball where he suggested. The eighth is a short par-four with a waste area on the right side and water further to the right. The pin was at the back of the green, and I was a club short with my approach. I had a long putt that had to run over a ridge about 20-feet short of the hole. George attended the flagstick and told me to aim for his right foot, about three feet outside the hole. The putt looked good and it dropped. George stepped it off: 28 paces. Miss two short putts, and then hole a monster putt. Golf's a crazy game.
On we went. I was taken with the stream that winds in a jagged way along the ninth and 18th fairways. My three-hybrid carried the stream and found the final green. That felt good. Along with my three fellow golfers, I went to the "bye" hole, the 19th hole where the tee is set on a rise just behind the 18th green. The shot is about 95 yards to a tiny green across water. The idea is to give it a try and then leave the ball there. No putting, just the scary little shot. Good fun.
Then it was off to the clubhouse. We sat in the men's lounge and bantered with some golfers from New York. I looked at the excellent collection of golf books in the library lounge. Bud Taylor, the club's accomplished young pro for the last four years, said hello. After-golf consisted of a beer, salad and a burger, and the ever-present popcorn and cookies, PGA Tour golf on one television and an NBA game on another: Suffice it to say we were relaxed. It was just about time to leave. I noticed a barber's chair and a massage room in the locker room. Old Palm members include Matt Lauer, the anchor of NBC's Today show. Brian Mulroney, Canada's Prime Minister from the fall of 1984 to the summer of 1993, is a member.
It was time to leave. If darkness weren't approaching, I'd have returned to the practice area. Another time, if I'm lucky. Old Palm makes you want to return. And, when it comes to Oosthuizen, Schwartzel, Westwood and Clarke, it made them want to stay. I see why.
RELATED LINK: More blogs from Lorne Rubenstein
Lorne Rubenstein has written a golf column for The Globe and Mail since 1980. He has played golf since the early 1960s and was the Royal Canadian Golf Association's first curator of its museum and library at the Glen Abbey Golf Club in Oakville, Ontario and the first editor of Score, Canada's Golf Magazine, where he continues to write a column and features. He has won four first-place awards from the Golf Writers Association of America, one National Magazine Award in Canada, and he won the award for the best feature in 2009 from the Golf Journalists Association of Canada. Lorne has written 12 books, including Mike Weir: The Road to the Masters (2003); A Disorderly Compendium of Golf, with Jeff Neuman (2006); This Round's on Me (2009); and the latest Moe & Me: Encounters with Moe Norman, Golf's Mysterious Genius (2012). He is a member of the Ontario Golf Hall of Fame and the Canadian Golf Hall of Fame. Lorne can be reached at firstname.lastname@example.com . You can now follow him on Twitter @lornerubensteinReport Typo/Error
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Amazing Marvin the Martian REAL flying suacers Montage
- Sold for: Start Free Trial or Sign In to see what it's worth.
- Item Category: Fine Art
- Source: eBay
- Sold Date: Mar 11, 2007
- Channel: Auction House Sell similar item on eBay
Amazing Marvin the Martian REAL flying suacers Montage
This is an AMAZING Marvin the Martian Montage.
At first glance this looks like a picture of Marvin but look closer. Its actually 100's of mini-pictures that are 1/4 inch by 1/4 inch with remarkable detail (click on "close up" image). The mini-pictures are of real UFOs and aliens including vintage photos, action shots, classic crafts and more. The entire item is 8 1/2 inches by 11 inches and perfect for framing.
We guarantee this to be high quality and authentic. The uniqueness of this item cannot be understood truly until you see it in person. Amazingly the farther you move it away the more detail you see.
I have created this myself. It will NEVER be mass produced. VERY limited edition!! No more than 25 will EVER be released! You will recieve a numbered Certificate of Authenticity that has been hand-signed by the artist.
My work has been featured nationally on Coast To Coast AM and has been purchased by museums and professional athletes! Just check my latest feedback to be sure this is a high quality piece of work. Check my other Ebay auctions for GIANT 31 X 24 Wall Art editions too, or I can make a custom one for you and let you purchase it through Ebay!!
My repeat customers are now in the 1000's. 's what they're saying: " GREAT MONTAGE LOVED


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Originally posted on Fox Sports Arizona | Last updated 11/10/12
TEMPE, Ariz. (AP) -- Jordan Bachynski had 17 points and 11 rebounds, Jahii Carson was steady in his debut and Arizona State used a big first-half run to roll over Central Arkansas 79-64 in its season opener Saturday night. Uneven early, the Sun Devils broke it open with a 20-2 run late in the first half and never let the Bears back in it, forcing 19 turnovers while Bachynski blocked a school-record nine shots. Carson didn't look like a player who hadn't played in nearly two years, scoring 14 points while handing out five assists. Evan Gordon, a transfer who sat out last season, added 14 points for the Sun Devils. Central Arkansas, opening its third season under former NBA player Corliss Williamson, struggled against Arizona State's pressure and had no one who could match up with Bachynski inside.
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