text:
tag:blogger.com,1999:blog-78421000621383721102019-10-17T04:24:02.508-07:00Louisiana Insurance Regulatory LawVan R Mayhall IIIhttp://email@example.com://feedburner.google.comtag:blogger.com,1999:blog-7842100062138372110.post-17906577084528962512012-12-10T08:26:00.000-08:002012-12-10T08:26:16.967-08:00Louisiana Insurance Commissioner Donelon Elected President of the National Association Insurance Commissioner for 2013
James J. Donelon, Louisiana Commissioner of Insurance, has been elected to serve as President of the National Association of Insurance Commissioners for 2013.
The National Association of Insurance Commissioners (NAIC), the national insurance regulatory advisory organization made up of the chief state insurance regulators, has elected its slate of officers for 2013, including James J. "Jim" Donelon as President.

In addition to President of the NAIC, Donelon also serves on the NAIC Executive Committee and as chairman of the NAIC Surplus Lines Task Force.
A former member of the Louisiana House of Representatives, Donelon joined the staff of the Louisiana Department of Insurance in 2001, serving as Chief Deputy Commissioner and Executive Counsel. Donelon was appointed as Louisiana Commissioner of Insurance in 2006 to fulfill the unexpired term of the previous Commissioner. He was then re-elected as the Commissioner of Insurance in 2007 and again in 2011. In addition to his new position as President of the NAIC, Donelon also serves on the NAIC Executive Committee and as chairman of the NAIC Surplus Lines Task Force.[1]

Donelon and the other new NAIC officers assume their new duties on January 1, 2013.
Other NAIC officers elected for 2013 include North Dakota Insurance Commissioner Adam Hamm as President-Elect, Montana State Auditor and Commissioner of Securities and Insurance Monica J. Lindeen as Vice-President, and Pennsylvania Insurance Commissioner Michael F. Consedine as Secretary-Treasurer. Donelon and the other new NAIC officers assume their new duties on January 1, 2013.

One of Donelon's first duties as NAIC President will be heading up the search for the organization's next CEO because the current NAIC CEO, Terri Vaughan is preparing to depart.

Donelon indicated that finding the right person to serve as CEO of the NAIC is "vitally important" to preserving the state insurance regulation system, citing the increasing encroachment of the federal government into the traditionally state-based insurance regulatory scheme. Although Donelon supports federal insurance regulation with respect to international commerce, domestic insurance regulation is a different matter:

We support it as necessary on the international level but we don't feel it is appropriate for the federal government to take over or even further encroach on the success of state regulation going back over 100 years now.[2]

 Donelon is interested in international insurance matters from a state-based perspective, as well. He recently attended a conference of Latin American insurance supervisors to discuss emerging issues in the insurance world such as Europe's Solvency II initiative. Additionally, international reinsurance regulation is important to Donelon because Louisiana is a coastal state with property and casualty reinsurance issues fundamentally tied to the foreign-dominated reinsurance market.[3]

1. James J. Donelon, Louisiana Commissioner of Insurance, Louisiana Department of Insurance, December 10, 2012.
2. NAIC president: CEO to be selected to take NAIC to "next level", LifeHealthPro, Elizabeth D. Festa, November 19, 2012.
3. NAIC president: CEO to be selected…, id.

 Van R Mayhall IIIhttp://email@example.com:blogger.com,1999:blog-7842100062138372110.post-46953548970173541412012-08-31T11:26:00.000-07:002012-08-31T11:31:15.823-07:00Concurrent Causation of Loss and the Named Storm Deductible in the Wake of Hurricane Isaac
In the wake of Hurricane Isaac, many homeowners may find themselves dealing with a pair of important issues with their homeowners insurance policies: the "concurrent causation of loss" exception and the "named storm" deductible.

Concurrent Causation of Loss

While there are several different versions of concurrent causation provisions, all attempt to reduce or eliminate insurance coverage where two different perils, one covered by the policy and one excluded from coverage by the policy, act together, or concurrently, to cause damage or loss.

The term "peril" means an effect, action or force that causes damage or loss. The phrase "concurrent causation" generally refers to the combination of more than one peril that causes a specific damage or loss. The general rule is that, if damage is caused both by a peril that is covered by the policy, and a peril that is not covered by the policy, then the insurance coverage applies for the specific damage or loss.

However, insurance policies often include provisions or exclusions that attempt to modify or eliminate that general rule.

Certain provisions state that insurance coverage is only applicable when the predominate or superior peril causing the damage is covered by the policy. Thus, the homeowner would have to show that the damage he or she sustained was caused more by the covered peril than the uncovered peril.

Other provisions exclude all coverage when one of the two concurrent perils that cause loss or damage is not otherwise covered by the policy's provisions.

Consider the following example:

Homeowners Insurance Policy "A" provides insurance coverage for damage to the insured property caused by wind, but excludes damage caused by flood.

Homeowners Insurance Policy "A" also includes a concurrent causation of loss provision stating that insurance is available under the policy only for loss caused by two or more different perils when the predominate peril producing loss is otherwise covered by the policy.

Assume a home insured by Homeowners Insurance Policy "A" suffers major damage by wind at the same time as minor damage by flood. In this case, the damage would be covered by the policy.

On the other hand, if the home suffers major damage by flood while only suffering minor damage by wind, then the entire loss would be excluded from coverage by the policy.

Another example:

Homeowners Insurance Policy "B" provides coverage for damage caused by wind, but excludes damage caused by flood.

Homeowners Insurance Policy "B" includes a concurrent causation of loss provision indicating that, when loss is caused by two or more different perils at the same time, if any peril causing damage is excluded under the policy, then the entire loss is excluded from coverage, even if the other perils would otherwise be covered by the policy.

If a home insured by Homeowners Insurance Policy "B" suffers any damage by flood concurrently with any damage by wind, then the loss or damage would be excluded from coverage under the policy.

Property owners should read their property insurance policies carefully to determine if their policy includes a concurrent causation of loss provision, and understand what effect, if any, the provision might have on an insurance claim.

Named Storm Deductible

Homeowners filing claims for damage caused by Hurricane Isaac may be in for a surprise: the so-called "named storm" deductible.

Louisiana state law allows insurance companies to include a special deductible that is specifically applicable to damage caused by named storms or hurricanes. This "named storm" deductible can be as much as four percent (4%) of the value of the insured property.

Consider the following example:

Homeowners Policy "C" has a general deductible of $1,500 on losses covered under the policy, but it also includes a named storm deductible of two percent (2%). Assume that the home covered by Homeowners Policy "C" in this example has an insured value of $150,000.

With respect to damage caused by Hurricane Isaac, the homeowner's deductible would be $3,000, rather than the standard $1,500 deductible.

If the insured home suffers $10,000 of covered damage during the named storm, the insurance company would pay only $7,000 of that damage, rather than $8,500 under the general deductible.

While named storm deductibles in homeowners insurance policies are a relatively recent development in Louisiana, similar named storm deductibles have been included in commercial and other property insurance policies for some time, and commercial named storm deductibles can rise as high as ten percent (10%) or fifteen percent (15%) of the insured property value.

Significantly, Louisiana law expressly provides that any provision of a homeowners policy that would apply more than one deductible to damage from a single incident covered by the policy is void and not enforceable under the law.

Homeowners should read their policies, or check with their insurance agent or insurance company, to determine whether their homeowners policy has a named storm deductible, and prepare accordingly.

Van R Mayhall IIIhttp://email@example.com:blogger.com,1999:blog-7842100062138372110.post-9866641137785511022012-06-07T07:00:00.000-07:002012-08-08T08:33:11.064-07:00Louisiana Becomes the First Insurance Department to Share Info with FinCEN
The Louisiana Department of Insurance and the federal Financial Crimes Enforcement Network have agreed to share information in an effort to combat fraud and other financial crimes.
Louisiana has become the first state to agree to share information with the Financial Crimes Enforcement Network (FinCEN), a division of the U.S. Treasury Department, according to a recent press release by the Louisiana Department of Insurance (LDOI).

Louisiana Commissioner of Insurance, Jim Donelon, and the FinCEN Director, James H. Freis, Jr., signed a Memorandum of Understanding in late April that will allow the LDOI and FinCEN to "share important information enabling both parties to better protect the industry and consumers from criminal activity and fraud."[1]

The new [Memorandum of Understanding] will allow both parties to improve and enhance the level of [anti-money laundering] cooperation and seeks to efficiently maximize their combined resources in discharging their statutory obligations to defend against money laundering, fraud and other financial crime. The collective goal is to enhance communication and coordination between FinCEN and the Louisiana Department of Insurance to help Louisiana insurance companies better identify, deter and interdict financial crime and efficiently convey that information to FinCEN.[2]

Director Freis pointed out that Commissioner Donelon's "influential role as president-elect of the National Association of Insurance Commissioners will help set the standard for other states to follow" Donelon's lead in partnering with FinCEN to share information. Commissioner Donelon, for his part, indicated that the partnership with FinCEN was "a significant tool" that should enhance the LDOI's efforts to better protect Louisiana consumers from fraud and other criminal activity.[3]

 Details on what types of information will be shared under the FinCEN agreements remains unclear.
Details on what types of information will be shared under the FinCEN agreements remains unclear, including whether individuals and companies regulated by the Louisiana Department of Insurance will have any notice or opportunity to object before information is shared with FinCEN.

Because FinCEN's regulatory activities are specifically targeted at financial crimes, the nonpublic and personally identifiable financial information of both entities regulated by the Louisiana Department of Insurance, and consumers that transact business with those entities, may be implicated by these information sharing agreements with FinCEN.

1. Commissioner Donelon, U.S. Treasury's FinCEN Join Forces to Enhance Anti-Fraud Efforts, Louisiana Department of Insurance Press Release, April 30, 2012.
2. Commissioner Donelon..., id.
3. Commissioner Donelon..., id.

Van R Mayhall IIIhttp://firstname.lastname@example.com:blogger.com,1999:blog-7842100062138372110.post-7122281151008672012012-02-27T08:00:00.006-08:002012-02-28T08:21:24.316-08:00Summary of Insurance-Related Bills Pre-Filed for the 2012 Regular Session of the Louisiana State Legislature—» UPDATED: The 2012 Regular Session of the Louisiana State Legislature convenes on March 12, 2012, but bills for consideration during the session have already begun to be pre-filed to meet the pre-filing deadline on February 29, 2012.

Below is a summary provided by Louisiana Insurance Regulatory Law of some of the pre-filed bills relating to insurance, insurance law and the insurance industry, culled from the digests of the bills in their pre-filed form:

Senate Bill No. 118

To revise LSA-R.S. 22:1189 to add independent review of benefit determinations to the authority of the Louisiana Commissioner of Insurance to promulgate regulations and marketing practices.

—» Senate Bill No. 139

The current law provides that a lessee of a commercial lease has the option of purchasing insurance from an insurance agent and/or an insurance company of his own selection, as long as such are licensed to transact business in the State of Louisiana and acceptable to the lessor. The proposed law creates an exception to this provision for a consumer lease between an employer and an employee for a motor vehicle.

—» Senate Bill No. 146

Provides that a public adjuster shall not also act as an appraiser or perform an appraisal function relating to a claim on which he is adjusting or investigating.

House Bill No. 82

Elimiates the current requirement that a health insurer obtain prior written consent from the insured before seeking reimbursement from an insurer that provides automobile medical payment coverage to the insured. Also revokes the current provision of the law that authorizes health insurers to seek reimbursement from a medical payments insurer for only the outstanding balance remaining under an automobile policy for medical coverage after a period of nine (9) months from the date of the accident.

House Bill No. 94

Amends certain sunset provisions such that the Louisiana Department of Insurance's current operational termination date of July 1, 2012 is extended until July 1, 2017.

House Bill No. 150

Clarifies that health maintenance organizations that do business in Louisiana must maintain capital and surplus in the amount of three million dollars ($3,000,000).

House Bill No. 154

Extends the time period which triggers an insured's refund to begin to accrue interest at a rate of 1.1% per month from 30 days to 60 days after the insured's letter of cancellation, elimination or reduction to the insurer or delivery of the request for such a refund. Also provides that if a refund of twenty-five dollars ($25) or less, including interest, is due an insured who continues to maintain a policy of insurance with the insurer or an affiliated insurer, that insurer may apply the refund to the insured's next premium in the form of a credit upon written notice to the insured.

House Bill No. 160

Adds vehicle mechanical breakdown insurers and property residual value insurers among those insurers assessed an annual financial regulation fee of one thousand dollars ($1,000).

House Bill No. 193

Provides relative to compensation of personnel employed by the Louisiana Commissioner of Insurance to conduct examinations of insurers by removing certain of the current provisions relative to the disposition of such compensation.

House Bill No. 201

Limits an injured third party's right of direct action against an insurer to certain exceptions, and provides that in the absence of these exceptions, the injured third party must take legal action against the insured party.

House Bill No. 229

Adds certain master limited partnerships to the certain limited partnerships or limited liability companies in which a Louisiana domestic insurer may invest or hold an interest.

House Bill No. 247

Extends the 25% rebate that automobile insurers offer to active military personnel to reservists and members of the Louisiana National Guard.

—» House Bill No. 257

Requires Louisiana Citizens Property Insurance Corporation to keep track of the refunds due as a result of assessments collected on homeowners' insurance policy premiums, and to send these refunds to insureds on its own initiative rather than requiring the insured to request the refund as currently provided. Also requires Citizens to report annually to the Commissioner of Insurance regarding the number of insureds who have paid the Citizens assessment, and the amount of refunds to be distributed.

—» House Bill No. 258

Requires that state-mandated discounts and credits available for homeowners' insurance must be disclosed to policyholders in an insert in the insurance policy. Also requires a disclosure of discounts and credits that the insurer voluntarily offers to policyholders. This disclosure is for informational purposes only, and shall not affect coverage provided in a policy.

—» House Bill No. 260

The current law prohibits a contracted healthcare provider from discount billing, dual billing and collecting or attempting to collect an amount in excess of the contracted reimbursement rate for covered health care services. The proposed law provides that this provision shall not prohibit a contracted health care provider from enforcing rights relative to privileges on payment pursuant to the present law.

—» House Bill No. 304

Reduces the Bail Bond Apprentice Program, whereby a licensed bail bond producer employs and trains an apprentice, from six (6) consecutive months to three (3) consecutive months.

—» House Bill No. 308

Provides that it is an unfair method of competition, as well as unfair and deceptive, for an automobile insurer to establish a contract or agreement with any individual or company to manage, subcontract, broker or arrange insurance repair for any glass repair or replacement on a motor vehicle. Additionally, repeals the present law declared to be unconstitutional in the case of Globe Glass & Mirror Co. v. Brown, 917 F.Supp. 447 (E.D. La., 1996) (the practice of limiting which company an insurer may contract with for repairs is unconstitutional because it is an impermissible violation of the dormant Commerce Clause).

This summary will be updated as more bills are pre-filed.
Van R Mayhall IIIhttp://email@example.com:blogger.com,1999:blog-7842100062138372110.post-35290841026500685502012-01-23T07:00:00.000-08:002012-01-23T07:00:09.356-08:00LDOI Issues Notice of Intent Regarding Regulation 100: Coverage of Prescription Drugs through a Drug Formulary
Proposed Regulation 100 drafted by the Louisiana Department of Insurance requires three different and distinct types of notice by health insurance plan issuers to enrollees with respect to coverage of prescription drugs through a drug formulary, and requires approval by the Department of certain modifications to prescription drug coverage.
The Louisiana Department of Insurance has released a Notice of Intent in the January edition of the Louisiana Register proposing Regulation 100 pertaining to the recently enacted Coverage of Prescription Drugs through a Drug Formulary Subpart of the Louisiana Insurance Code. Proposed Regulation 100 includes provisions intended to clarify and implement the Drug Formulary Subpart, which establishes certain restrictions and requirements for health insurance companies issuing health benefit plans that cover prescription drugs and that use one or more drug formularies to indicate the prescription drugs covered under such plans.[1]

Proposed Regulation 100 requires three different and distinct types of notice.
The Drug Formulary Subpart requires a notice in "plain language" to each enrollee of any affected health plan that the plan uses a drug formulary and certain other information. Proposed Regulation 100 uses this requirement as the basis for the first of "three different and distinct types of notice" that a health insurance plan issuer must provide to its enrollees.[2]

Under proposed Regulation 100, the first notice must include the following:

The fact that the health plan uses one or more drug formularies;

An explanation of how a drug formulary functions;

A description of how prescription drugs are designated for inclusion or exclusion in a drug formulary;

A statement of how often the drug formulary is reviewed;

A statement that an enrollee may contact the health insurer to determine whether a specific drug is included in a particular drug formulary;

A statement that the inclusion of a drug in a drug formulary does not guarantee that an enrollee's physician or other authorized prescriber will prescribe the drug in any particular instance.[3]

The form of this notice must be submitted to the Department for approval, and once it has been approved, the issuer may only use that form.

Plans must offer any drug previously covered under the plan at the same cost until the plan renewal date.
The Drug Formulary Subpart also requires that a health plan issuer offer any prescription drug approved or covered under the plan for a medical condition or illness, regardless of whether the drug is removed from the health plan drug formulary before the enrollee's plan renewal date, to each enrollee at the contracted benefit level until the plan renewal date.[4]

The second notice required by health plan issuers under proposed Regulation 100 provides enrollees with information regarding this provision of the Subpart. Plan issuers must maintain written records of enrollees who request confirmation of coverage, including the name of the enrollee, the specific drug, the date of the request and the date of the response by the plan issuer. Further, plan issuers must submit a copy of these written records to the Department with fifteen (15) days of a written request by the Department.[5]

Health plan issuers must notify all enrollees of any modification of drug benefit coverage.
The third notice promulgated under proposed Regulation 100 requires that health plan issuers inform enrollees, in both the individual and the small or large group markets, of the modification of benefit coverage or drug coverage of a particular product. This notice must be provided to all enrollees, including employers in the case of group coverage, at least sixty (60) days prior to the effective date of any such modification.[6]

Proposed Regulation 100 also defines what a "modification affecting drug coverage" means under the law:

Removing a drug from a drug formulary;

Adding a requirement that an enrollee receive prior authorization for a drug;

Imposing or altering a quantity limit for a drug;

Imposing a step-therapy restriction for a drug;

Moving a drug to a higher cost-sharing tier, unless a generic alternative is available.[7]

Any such modification affecting drug coverage must be submitted to the Department for approval 120 days prior to the renewal date of the policy form for which it is intended. [8]

A health plan issuer may only modify its prescription drug coverage if the following conditions are met:

The modification occurs at the time of coverage renewal;

The modification is approved by the Department;

The modification is consistent with state law;

The modification is effective on a uniform basis; and

The plan issuer notifies the enrollees (including the employer in the case of group coverage) at least sixty (60) days prior to the effective date of the modification.[9]

The Notice of Intent regarding Louisiana Department of Insurance Regulation 100 is available here.

1. LSA-R.S. 22:1060.2.
2. LSA-R.S. 22:1060.2; LAC 37:XIII.Chapter 141, §14109 A.
3. LSA-R.S. 22:1060.3 A; LAC 37:XIII.Chapter 141, §14109 B.
4. LSA-R.S. 22:1060.3 A.
5. LAC 37:XIII.Chapter 141, §14109 C.
6. LAC 37:XIII.Chapter 141, §14109 D; LSA-R.S. 22:1068 D; LSA-R.S. 22:1074 D.
7. LAC 37:XIII.Chapter 141, §14111 A.
8. LAC 37:XIII.Chapter 141, §14111 B.
9. LAC 37:XIII.Chapter 141, §14115 A, §14117 A; LSA-R.S. 22:1068 D; LSA-R.S. 22:1074 D.

Van R Mayhall IIIhttp://firstname.lastname@example.com:blogger.com,1999:blog-7842100062138372110.post-69253756780969898192011-12-19T07:12:00.000-08:002011-12-19T07:14:50.049-08:00Nonprofit Health Services in Louisiana Expanding in Anticipation of Increase in Medicaid PatientsNonprofit clinics and health services in Louisiana are preparing for the anticipated increase in patients expected to result from the expansion of Medicaid eligibility under the Patient Protection and Affordable Care Act, according to Proquest.

The Affordable Care Act will raise the eligibility of Medicaid to adults who make 133 percent of the federal poverty level compared with Louisiana's current standard of 12 percent. The change is expected to increase Medicaid enrollment in Louisiana to 500,000 people over a five-year period, according to the Kaiser/Urban Institute.

Even with the proposed expansions, however, many are concerned that there isn't a health infrastructure to support the surge of Medicaid patients on the horizon.

Read the full article:

Nonprofit Clinics Expanding to Meet Louisiana's Expected Medicaid Patient Surge
Richard A Webster | Proquest, LLC | InsuranceNewsNet.com
December 14, 2011

Van R Mayhall IIIhttp://email@example.com:blogger.com,1999:blog-7842100062138372110.post-74331463174432952752011-12-07T11:05:00.000-08:002011-12-19T07:15:25.659-08:00Louisiana Urges Policyholders to Claim LA Citizens Assessment RebateThe Louisiana Department of Insurance has issued a press release from Louisiana Insurance Commissioner Jim Donelon and Louisiana Department of Revenue Deputy Assistant Secretary Gary Matherne urging anyone who has had a property and casualty policy during the last four (4) years to claim the rebate for the Louisiana Citizens Property Corporation assessment charged on that policy.

An estimated $268 million of assessment rebate remains unclaimed.
More than $11 million of the LA Citizens assessment for 2007 has not been claimed, and the deadline to make claims for 2007 is December 31, 2011. Additionally, an estimated $268 million of the total rebate amount available for 2007 through 2011 remains unclaimed.[1]

Louisiana Citizens Property Insurance Corporation is a nonprofit corporation "created to provide insurance products for residential and commercial property applicants who are in good faith entitled, but unable, to procure insurance through the voluntary insurance marketplace."[2]

Rebates may be available to those who owned certain types of insurance policies in Louisiana between 2007 and 2011.
Individuals and business may have been assessed by LA Citizens if they procured or held insurance policies for one or more of the following lines of business in Louisiana: fire, homeowners' multiperil, allied lines, the property insurance portion of commercial multiperil policies, and the business interruption insurance portion of commercial multiperil policies, or such interruption insurance with respect to commercial properties on a monoline basis.[3]

Policyholders who paid the LA Citizens assessment as part of their insurance premiums are eligible to receive the rebate. Eligible policyholders can claim the rebate as soon as they pay the insurance premium including the assessment, or when filing the Louisiana State Tax Return due each May.[4]
Commissioner Donelon explained that claiming the rebate is simple:

Just fill out the Louisiana Department of Revenue tax form for the year in which you paid the Citizens Assessment and mail or fax it in with your insurance declaration page showing the assessment has been included in the insurance premium. The whole process doesn't take more than ten minutes.[5]

More information is available from the Louisiana Department of Insurance: LA Citizens assessment rebate press release. The tax forms are also available from the Louisiana Department of Insurance: LA Citizens assessment rebate forms.

1. Commissioner Donelon and Department of Revenue Deputy Assistant Secretary Matherne Urge Property Owners to Claim Citizens Rebate Before December 31 Deadline, Louisiana Department of Insurance Press Release, December 2, 2011.
2. Louisiana Citizens Property Insurance Corporation, Company Overview, retrieved December 7, 2011.
3. Louisiana Revised Statutes, §22:2292.
4. 2011 Citizens, Tax and Insurance Savings Q&A, Louisiana Department of Insurance.
5. Commissioner Donelon and Department of Revenue Deputy Assistant Secretary Matherne..., Id.

Van R Mayhall IIIhttp://email@example.com:blogger.com,1999:blog-7842100062138372110.post-91451619310921049092011-11-21T12:30:00.000-08:002011-12-19T07:15:25.660-08:00LDOI Continues Depopulation of Louisiana Citizens Property Insurance CorporationWith the latest round of annual depopulation completed, Louisiana Insurance Commissioner Jim Donelon has announced that the homeowners insurer of last resort, Louisiana Citizens Property Insurance Corporation, has moved an additional 10,890 homeowners policies into the private insurance market. This should decrease Citizens' market share from 5.3% at the end of 2010 to approximately 4.3%.

Access Home, Capitol Preferred, Centauri Specialty, Lighthouse and Occidental insurance companies all made successful bids to assume policies from Citizens. Since the Louisiana Department of Insurance began the Citizens Depopulation Program in 2008, more than 67,000 policies have been assumed by private insurers from Citizens. More information is available from the Louisiana Department of Insurance's website.

Van R Mayhall IIIhttp://email@example.com:blogger.com,1999:blog-7842100062138372110.post-4216449060143794922011-09-16T09:21:00.000-07:002011-12-19T07:15:36.189-08:00Court Refuses Injunction Against Louisiana State Health Insurance ContractsThe Insurance Journal is reporting that a Baton Rouge Judge has refused to issue an injunction to stop the State of Louisiana from entering into contracts with three private insurance companies to provide healthcare management services for Medicaid recipients, but a different judge has ordered that the proposals submitted by the companies bidding on the project must be made public.

Approximately 800,000 Louisiana Medicaid recipients would have their healthcare managed under the contracts.
The state contracts farm out the management of healthcare services for approximately 800,000 Medicaid recipients to the private companies. Aetna Better Health, Inc., filed a lawsuit against the state, alleging that there were errors in the state procurement process by which the contracts were bid. Aetna sought an injunction to block the execution of the contracts with the private companies, arguing that it would be irreparably harmed by the action.

Aetna, Coventry Health Care of Louisiana, AmeriGroup Louisiana, Inc., AmeriHealth Mercy of Louisiana, Inc., and Louisiana Healthcare Connections all submitted proposals for the various state contracts in the bid process and were all awarded contracts. Aetna and Coventry, however, were not chosen to participate with the other three private companies in one certain contract dealing with coordinated-care networks ("CCNs").

The Insurance Journal indicates that $2.2 billion of the state's $6.7 billion Medicaid program goes to CCNs.

A different court has found that, despite the objections of the private companies, the winning proposals must be made public. According to the Insurance Journal article:

In the related public records suit, Hernandez held a hearing last month and ruled Tuesday that the information does not fall within the exceptions contained in the Louisiana Public Records Act or state Constitution.

After the decision, the Jindal administration has indicated it plans to move forward with the state contracts and intends to start the new program early next year.

Read the full article:

Judge in Louisiana Won't Stop State Health Insurance Contracts
Insurance Journal, the Advocate
September 16, 2011
Van R Mayhall IIIhttp://email@example.com:blogger.com,1999:blog-7842100062138372110.post-31306746097320020632011-08-22T11:49:00.000-07:002011-12-19T07:16:39.843-08:00Handicapping Huge Hurricanes, Catastrophe Claims ClimbingWeather-related catastrophe damages in the United States, thusfar in 2011, have risen as high as $35 billion according to the National Oceanic and Atmospheris Administration. This includes all insured and uninsured loss estimates from storms, tornadoes, flooding and heat waves, and it ties a record set in 2008, according to sources cited in a recent article by Dennis Wall.

This year has seen two to three times the number of weather disasters that the United States faces on average annually. Approximately 160 deaths from tornadoes in Missouri pushed the 2011 count of weather catastorphe deaths to 589.

Read the full article:

Handicapping Huge Hurricanes, Catastrophe Claims Climbing
Dennis Wall | Insurance Claims and Issues
August 22, 2011

Van R Mayhall IIIhttp://firstname.lastname@example.com:blogger.com,1999:blog-7842100062138372110.post-37398327795059401502011-08-22T11:38:00.000-07:002011-08-22T11:39:39.895-07:00Donald G. Scully Jr. Leads MassMutual's Louisiana OfficeLouisiana Native Donald G. Scully, Jr., has been tapped to lead Fleur de Lis Financial, Inc. ("Fleur"), the Louisiana general agent for Massachusetts Mutual Life Insurance Company ("MassMutual").

Scully, a veteran financial services professional, aims to recruit an estimated 20 additional professionals to join Fleur's ranks in the next two years, increasing both Fleur's workforce and employment opportunities in the state.

MassMutual is based in Springfield, Massachusetts, but Fleur has approximately $1.5 billion of in force life insurance in Louisiana.

Read the full article:

Donald G. Scully Jr. Leads MassMutual's Louisiana Office
PR Newswire | New Orleans
August 22, 2011

Van R Mayhall IIIhttp://firstname.lastname@example.com:blogger.com,1999:blog-7842100062138372110.post-15520297920173300662011-07-18T07:55:00.000-07:002011-07-18T07:55:00.601-07:00Louisiana Governor Seeks to Privatize State Worker Health Insurance Program
Louisiana Governor Bobby Jindal is seeking a financial advisor to aid his administration in determining whether privatizing one of the insurance plans of the Louisiana Office of Group Benefits would lower the state's costs of running the program.
Barclays Capital, Goldman Sachs and Morgan Keegan are all vying to advise Governor Bobby Jindal in his efforts to privatize one of the insurance plans of the Louisiana Office of Group Benefits, according to an article from the Associated Press.

Governor Jindal's Division of Administration is seeking a financial advisor to determine the market value of the insurance plan as part of its efforts to engage a private company to manage a health insurance program under the Office of Group Benefits.

About 255,000 state workers, retirees and dependents have health and life coverage through the Office of Group Benefits.
About 255,000 state workers, retirees and their dependents have health and life insurance coverage through the Office of Group Benefits, and some of the insurance plans are already administered by private companies. The Jindal administration's proposal would result in privatizing the management of the insurance coverage of about 62,000 of those employees, retirees and their dependents.

The possible privatization is spurring fears of increased premiums and decreased benefits for thousands of state workers, retirees and dependents. Jindal contends the change could save the state money without negative repercussions to health plan enrollees.

Notably, the privatization proposal is opposed by the Group Benefits Policy and Planning Board, a 16-member panel that advises the Office of Group Benefits. The Board is made up of professionals from the private and public sector, representing the state's active and retired employees from higher education to local school boards, the insurance sector, the governor and the Louisiana Legislature.

According to the Associated Press article, the Board's Chairman James Lee suggested that Jindal's proposal was raising fears that benefits will diminish and worker costs would increase.

Jindal maintains that the possible benefits of privatization are "worth at least doing the analysis" to determine whether privatization makes sense. The financial advisor will assist the Jindal administration in that analysis.

Read the full article:

La. gov to choose adviser on insurance management
Associated Press | Bloomberg | BusinessWeek.com
July 7, 2011
Van R Mayhall IIIhttp://firstname.lastname@example.com:blogger.com,1999:blog-7842100062138372110.post-82072802318945240472011-07-13T07:10:00.000-07:002011-07-15T08:43:35.180-07:00Usage-Based Auto Insurance in Louisiana
Pay-As-You-Drive auto insurance coverage bases premium on the actual usage of the covered vehicle rather than a flat-rate premium estimate.

The Louisiana Department of Insurance has acknowledged that at least one auto insurer in the State of <state w:st="on"><place w:st="on">Louisiana</place></state> has sought and received approval for rates and rules for usage-based auto insurance, commonly referred to as "pay-as-you-drive" or "PAYD" coverage. Premiums for PAYD coverage are based on actual usage information rather than just the standard flat-rate premium estimate. PAYD coverage has been offered in <state w:st="on">California</state> and other states for some time, but has only recently begun to gather steam in <state w:st="on"><place w:st="on">Louisiana</place></state>.

PAYD premium is based on actual usage information such as odometer readings, driving speeds and braking habits.

PAYD bases premium for coverage on the data collected from the vehicle itself by means of random inspection, or from an electronic device installed on the vehicle that transmits information to the insurer. This could include information such as the type of vehicle, the identity of the driver, the odometer reading, the amount of time the vehicle is actually in use, driving speeds, braking habits, geographic location and even the time of day the vehicle is usually driven.

The PAYD concept was first tested in the <country-region w:st="on"><place w:st="on">United States</place></country-region> by the Progressive Casualty Insurance Corporation in 1998, but the company later discontinued the program in 2001. GMAC Insurance began offering a PAYD program to OnStar subscribers in 2004, and Progressive began another PAYD initiative in 2004, as well. Other auto insurers, such as Liberty Mutual Insurance, have begun offering PAYD coverage, although some of the programs are trial initiatives offered only in certain states.

PAYD coverage met with resistance almost immediately by privacy advocates who criticized the random inspections and the transmission of the vehicle usage data, even though the transmission or inspections are with the express contractual consent of the policyholder. Additionally, PAYD coverage can end up costing policyholders even more than a flat-rate premium if their usage is more than normal.

PAYD has been criticized by privacy advocates because of the collection and transmission of vehicle usage data.

However, PAYD incentivizes policyholders to drive less, which could mean reduced costs not only for insurance but also for fuel, maintenance and repairs, as well as reducing the likelihood of accidents because the vehicle is on the road less.

Van R Mayhall IIIhttp://email@example.com:blogger.com,1999:blog-7842100062138372110.post-15152231619557862572011-07-13T07:08:00.000-07:002011-08-22T11:39:44.595-07:00Louisiana's P&C Insurance Regulatory Environment Improves to 'B-' Rating, Scores High Marks in Regulatory Clarity and Rate Regulation
In a state-by-state survey of property and casualty insurance regulatory environments, Louisiana earns a 'B-' because of its regulatory clarity and above average rate regulation.
As noted in a related article, the Heartland Institute, a national nonprofit research and education organization, has issued its 2011 Property and Casualty Insurance Report Card (available in PDF), a state-by-state analysis of insurance regulatory burden.[1]

The report ranked the Louisiana P&C regulatory environment as 25th overall with a 'B-' grade.
The report ranked the property and casualty insurance regulatory environment in the state of Louisiana as 25th overall and assigned it a letter grade of 'B-'.

Louisiana's overall score was a -4 based in large part on negative markets in the report's grading categories of Residual Homeowners Insurance Market (-6) and Automobile Market Concentration (-5). The report singled out Louisiana and Florida for being the only two states running full-fledged property insurance companies as state agencies.

Louisiana's score was bolstered by generally clear and consistent regulatory rules, and above average rate regulation.
On the positive side, Louisiana rated the top score in the Regulatory Clarity analysis factor, indicating that Louisiana has consistent and clear regulatory rules. Louisiana was also rated Above Average in rate regulation by the report, indicating that Louisiana allows market forces to play a leading role in the setting of insurance rates.

The report praised the state's 'market-freeing' efforts, noting that 'Louisiana largely succeeded in removing from its publicly run Citizens Property Insurance Corporation nearly all of the policies (in net) that it had added in the wake of Hurricane Katrina.'

Louisiana has generally moved its insurance regulation in positive directions, according to the report, including the continued evolution of the coastal insurance market in the state.

Overall, the report signals improvement in the Louisiana property and casualty regulatory environment.
Overall, the report signals improvement in the Louisiana property and casualty regulatory environment. Louisiana was given an 'F-' in 2009 and a 'D' in 2008, but in 2010, Louisiana was not graded because the Heartland Institute recognized that its methodology and measures were not fair to Louisiana because they did not adequately adjust for the negative market effects of Hurricane Katrina and its aftermath, natural events outside the regulatory system.

1. See also the Heartland Institute's article regarding the report, written by Eli Lehrer, Vice President of Heartland.
Van R Mayhall IIIhttp://firstname.lastname@example.com


text:
Sherry's Project 52
By: sjpackard1
Category: P52-2011
I'm starting my first blog for the purpose of Project 52. I'll be posting one photo each week in 2011. I'll try to make it interesting. Let's see how I do!
Click the '<' button on each page in order to navigate the photos in the order that I posted them.

subset: commoncrawl


text:
HVAC Services in Etowah County & Surrounding Cities
At Coosa Heating and Cooling, we service Gadsden, AL (Etowah County) and the surrounding areas. We are proud to be a part of the Gadsden community.
As the Top Air Conditioning and Heating Company in Gadsden, AL, we understand how important indoor comfort is to you. We also understand clean air is essential to the health of you and your family. An HVAC system that performs at peak efficiency can provide ultimate comfort and also peace inside your home.


text:
Forget password? Click here
Sign up now to become a member and receive all of our wonderful NTA benefits.
The Evansville Convention & Visitors Bureau has retained SearchWide Global to conduct an executive search to find their next CEO. Evansville is a historic community along the Ohio River with all the amenities of a big city with the hidden gems only found in a small town.
This position is responsible for the growth of tourism and convention/meeting business. The CEO oversees the development and execution of marketing and sales strategies and provides strategic leadership and oversight of the ECVB. Five years DMO leadership experience highly preferred.
See full job description HERE
If interested in learning more about this great opportunity, please send your resume to the SearchWide Global Executive listed below.
Mark GnatovicExecutive Vice firstname.lastname@example.com
Click here for information on other SearchWide Global opportunities.


text:
Are you sure?
This action might not be possible to undo. Are you sure you want to continue?
Alex is the mastermind, but his father is the tyrant. Who will win?
Alex is caught in a nightmare. His mother is dead, his sister troubled, and his father Kensington's angry fists are gaining strength. The killing of spiritual leader Joshua Davidson has left New Zealand in crisis. The Queen is ruling through the Governor General, but now Kensington's eyes are turning to Parliament. With Alex's brilliant mind, he can invade; with Alex's vulnerable heart, he can conquer.
Kensington's rage is murderous. He thrusts a gun in Alex's hand, but Alex is torn. He remembers his mother. He remembers love.
Another way beckons Alex, but at the highest cost. Will he betray his father? Will he overcome him, before someone else dies?
The Price of Redemption is the second in the A New Kind of Zeal trilogy, a spiritual and psychological suspense novel for people of all walks of life. If you enjoy compelling characters, powerful drama, and stories with a New Zealand flair, then you'll love Michelle Warren's books of loyalty under fire.
Buy A New Kind of Zeal 2 to join in the fight for freedom today.
Rachel Connor stood inside the gates of Parliament.
In front of her, four people lay shot on the ground. She rushed toward them, to help – to check their pulses – but was shoved away by army officers.
"Stand back!" they ordered.
Rachel stared at them.
I'm a doctor, for Christ's sake! she said.
Let me pass!
But they shook their heads.
No exceptions.
The army were surrounding the people; ushering them out of the Parliament grounds, back onto the street. Rachel was pressed back. She almost stumbled, but somehow kept her footing.
Through the black gate, Rachel saw a movement behind the army officers. A suited man was walking to the Hill Street gate.
Joshua stood in the intersection; Rachel's heart pounded in fear. He was alone, isolated out by the army. His white face was unreadable.
"You can't kill him,
Rachel whispered to the army officers. He has committed no crime."
"We're the army,
an officer replied, not the police. We act in times of war, to establish national security."
"We are not at war!" said Rachel, and now Joshua's eyes were on her.
"He's done nothing,
said Rachel. He's a pacifist, for God's sake! You can't kill him!"
She looked over the street to John Robertson – the fear in his eyes, but also the gritty determination.
The Bishop of Wellington, Mark Blake, was standing in Anglican robes on the steps of Saint Peter's Cathedral, watching the crowd.
"Joshua Davidson killed our people,
said Blake, pointing to Joshua. He is destroying our nation."
Rachel tried to look to her left, down Hill Street – who was the politician? The man emerged on the street, opposite the steps of Saint Peter's, facing Joshua in the intersection. It was her father, James Connor.
His face was taut, his forehead creased with burden. This was the Prime Minister of New Zealand! This was his nation, going to pot!
"What the hell are you doing?
Rachel cried out to him. The army, Dad? What are you thinking?"
An officer forced her down to her knees, pressing a rifle to the back of her head.
"Leave her,
said Joshua calmly. No one else needs to die today."
Rachel's body shook hard. She stared at her father – he stared back at her. Then his eyes shifted to Joshua.
"You are a curse,
he said, spitting at him, a curse that is bringing our people to ruin!"
Joshua faced him, but did not speak. Confused, Rachel searched his face. He was innocent! He was good, not evil! How dare Connor accuse him, and blame him, when Connor's own actions had precipitated the riot?
"You're a bastard!
Rachel shouted out to him. An incompetent bastard!"
And now she felt a blinding, sharp, painful blow to the back of her head.
She fell, gasping, on her face. Her vision blacked out, though she heard her father's voice.
"Stand down, officer!
he ordered. I am your commander!"
A hand was on her head. The pain disappeared, and her vision returned. Confused, Rachel looked up. Joshua was standing over her, smiling. He reached out a hand and pulled her back to her feet.
"Don't argue any more,
he said quietly to her. Don't fight them. You'll get yourself killed."
The Governor General, Anita Mayes, stepped forward toward her father.
"Right Honourable Prime Minister James Connor!
she said loudly. Do you really think this is legal?"
"The nation is under threat, Right Honourable Governor General,
Connor replied. I have taken the necessary actions to ensure our nation's survival."
Blake now shifted, on the steps of Saint Peter's.
Connor! his strong voice called out.
Do something! Deal with this man, before it is too late!
Connor lifted his hand toward the crowd, and Tristan Blake stepped between the officers.
He was carrying a rifle.
Rachel swallowed.
Oh my God…
Tristan's face was hard, his eyes distant and far away…
she whispered. What are you doing?"
A lead weight was in Rachel's stomach now; a terrible twisting in her gut.
"Oh my God." Connor had organised the assassination of Joshua.
A strange girl was with Tristan, flitting about, dancing.
"Your majesty!" she said, bowing – and she put an ancient metal crown on Joshua's head.
Joshua's face turned a sickly shade of grey. His brown eyes fixed on her with agony. His head tipped back, he clung the crown firmly to his head, and began to stagger.
Rachel clenched her fists.
"Kill him, Connor!
Blake called out. Do it now!"
"Not yet!
John cried. Not yet! It's not the right time!"
Joshua was groaning, staggering, trying to keep his footing, his face pointed up to the sky; his hands still clutching the crown to his head.
Tristan stared at Joshua, his body shaking.
"Kill him!
Blake cried out. Kill him, and we will all be safe! Kill him, and we will all find our peace!"
"The scapegoat…
Tristan whispered. Oh my God – the scapegoat…"
Rachel thought the rifle might fall from his shaking hands.
"Kill him!
Blake repeated. Execute him! Do it quickly!"
"Prime Minister!
The Governor General cried out. Our state is a democracy! We have a Law! We have a court system!"
"To hell with the Law!
said Blake. This is about our survival! Our survival, as a people – even as a race! What are you waiting for?"
He was staring at Connor.
Rachel saw reluctance in her father's eyes. He didn't want to execute!
"Do this,
Mayes declared loudly, and I will use the powers invested in me to dissolve the Government! This is not your role, Connor! You are way out of line here!"
Connor's eyes moved over the crowd.
"Let the people decide!
he said. What is your decision?"
There was silence, and then a response.
"Oh, to hell with it!
someone cried out. Get it over with!"
"Kill him?
Connor asked. How many say 'Yes'?"
"Just kill him!
the people cried. Get it over with! Kill him!"
Others struggled! Others shouted for his life! Rachel raised her voice, loud and strong.
she cried. Kill him, and it will all be over! We will never be the same again!"
Joshua's eyes were on her now. He was suffering. His grey face was sweating, and bleeding! Bleeding…
Tristan stood before Joshua. Rachel watched as Tristan looked at Joshua's staggering form and saw the blood. Tristan's face contorted. Joshua was looking at him! His eyes were clouded with pain, but gracious! Rachel was drawn into his expression. It was love! Tristan saw it, too; he looked stricken by it! Love.
Joshua reached out a hand to grasp Tristan's shoulder, and his body stiffened. He fell to his knees, his back taut; his face pointing to the sky.
he cried to God. Don't hold it against them! They really have no idea what they are doing!"
Blood dripped down his face. The crown fell of his head, and now he stretched his arms out wide.
"Where are you?
he cried to God, and his face now contorted with terror! Oh, God, Daddy – I can't see you! Darkness! Darkness…"
Rachel's eyes filled with tears – she blinked them furiously away. Joshua! Joshua…
Tristan was rigid. Dismay flooded his face. Then he stepped back, gathered the rifle, and fired.
Rachel choked. Bullets landed in Joshua's chest; many bullets! They jerked his body backwards – they threw him to the ground.
She rushed forward to him. He was lying on the ground, his body jerking with pain, gasping. She tore away his blood stained white shirt, to find five bullet wounds – two to each lung, and one to the heart.
"Oh, God,
Rachel breathed, shaking. No…"
She reached for his neck, to his pulse. It was still there, but faint! Fading rapidly! He was bleeding badly from the chest – gasping for breath, bleeding from the heart.
Rachel took off her own jacket, and pressed it into his wounds. Pressure! But she knew it was useless. His heart had been penetrated, and his lungs! There was no way he could survive.
He grasped her hand. Rachel sobbed, as he met her eyes – as he struggled, on his last breaths.
"It's finished!
he gasped. It's sorted!" And his face broke into a sudden beautiful smile.
Rachel grasped him, crying.
Don't go! she said.
Don't go!
Peace filled his eyes – and then his head fell back, and his hand fell from hers.
He was dead.
Rachel sank to the ground next to him. Resuscitate? She crossed her hands over his chest, and began to pound his heart. But then she felt a hand to her shoulder.
It was John. His eyes were filled with tears. He held her gaze, and shook his head.
"It's over,
he whispered. Don't try to bring him back."
She stared at his face, and began to weep. She shrank back away, from John and from Joshua's body. Then she looked at the crowd.
They were silent.
cried the Governor General's voice. By the power invested me, as the representative of the Queen, I now announce that the current Prime Minister has acted outside of his jurisdiction!
"I am dissolving Parliament! The Queen will rule directly, until time permits to allow for an election – until democracy is effectively established again!"
Democracy...Freedom, choice: they had gone! Fear had ruled – corruption had acted.
Joshua was dead.
Rachel jerked up. Dead. She stared out ahead of herself into the darkness, clutching a hold of the soft duvet covering her legs. The image of Joshua's body was still before her eyes – five bullet wounds, four to his lungs, one to his heart, bleeding…unstoppable.
He was smiling! Pain seized her chest as she looked into his brown, lit eyes, while his body struggled.
"It's finished!"
"Don't go!"
"It's sorted."
His hand fell away from hers. Peace was in his eyes! Peace, and then death.
He was gone.
Rachel drew herself out of bed, sinking against the wall, pulling the duvet instinctively around her. In the bed John stirred, now uncovered.
Rachel? he whispered, while his hand stretched out to grasp the duvet back again.
Can't, she whispered.
Can't what?
Can't accept it.
She reached out to the handle of the wardrobe, and grasped her stethoscope. Tears filled her eyes.
Can't save him, she whispered.
Every time I see him in my dreams, I can't save him.
Now John was standing in front of her, his new blue pyjamas a little dishevelled in his haste.
It's okay, he said, stifling a yawn.
He's okay.
I know you believe…
I saw him.
I know you believe what you saw.
I know the wounds I touched, Rachel, he said, his green eyes gentle and patient as he repeated the same words once again.
I know the bullets I see and feel.
And now, again, he pulled the bullets out, always kept in a pocket close to his own body – five bullets, deformed and used…five bullets she could not explain.
It's dangerous, she whispered.
Dangerous to claim such an impossibility.
I know, he murmured.
I also watched him killed; I know the risk. But I can't hide the truth, Rachel – such a massive truth! I mustn't hide it.
I can't grasp it, she said.
His wounds were fatal. I watched him die.
I saw him alive again.
I just can't bring myself to believe it…
I know.
I'm sorry. Now tears filled her eyes again. Weeping suddenly took her, and she shook her head and turned away from him, clutching onto her stethoscope.
I need to go to work soon.
I know.
After we go down to the waterfront.
And she held the duvet around herself and moved away from him, out of the bedroom and down the hall toward the bathroom.
Tristan Blake stood on sand. In front of him, Rau Petera was balancing on one foot on a rock. Typical, Tristan thought, for a preacher on Sunday morning. Not bad for an old man, though!
Tristan grinned, and then looked over the faces gathered around his friend – Maori, Pakeha, Pacific, Chinese, Indian, and an African face amongst the crowd of two hundred.
We're gathered today, began Rau,
because great things have taken place for all people, right here, in our own land! Right here, in the heart of Aotearoa.
Tristan lifted his eyes across Wellington harbour, behind Rau's back. Light was sparkling off the calm water. Rau almost looked alight himself, his gentle face a brown silhouette surrounded by a shimmering halo. Tristan rolled his eyes.
Arohanui! said Rau.
Te harinui. I have come to bring you great news of great joy, for all people. This day I say to you, death has been overcome! Darkness has been defeated. Light has broken forth, like the glorious blood red sunrise of a brand new day. Time for a new beginning! It's time for a new life.
A new life.
The eyes were all watching Rau, brown, blue, green, hazel, some lit up, as his, and some puzzled. There were four army soldiers watching behind them, standing just within the retaining wall to the beach. They were clad in olive green uniform, their arms folded across their chests, their rifles hanging unused at their sides; their foreheads creviced in concentrating frowns.
Tristan resisted the temptation to reach a hand into his own inner jacket pocket. The weight of the weapon remained by his left side – the army rifle he had used to shoot Joshua Davidson.
Joshua is alive, called Rau.
I have seen him! I have touched him.
The soldiers shifted uncomfortably on their feet. One unfolded his arms to finger his rifle.
One thing's for certain, muttered Tristan under his breath to Rau,
you sure have guts, my friend.
I left him, said Rau, and his voice cracked, his brown eyes moistening.
I knew he was going to be shot, and I left him.
You knew? Tristan stared at him, and now Rau's eyes found his.
Did you know who was going to fire?
We all shot him, said Rau.
We all cried out for his death! We all abandoned him.
Tristan felt his body stiffening, his hands clenching.
But his strength was greater than our weakness! said Rau.
His life was greater than our desire for his death.
Tears blurred Tristan's vision. He closed his eyes, and then felt a hand to his shoulder.
He planned it this way, said John's voice.
He chose to die.
But why? choked Tristan, his eyes flicking open to watch John join Rau, perched on the rock.
Why would he do this? Why would he let himself get shot? Why would he let me pull the trigger?
Tristan suddenly felt the tsunami again, deep within, rising up! Threatening to break! Threatening to take him. John's green eyes came to him, even as he spoke to the crowd, his gentle face unassuming.
He chose death so he could overcome it for us, said John.
Forgiveness! He offers us forgiveness. He offers us a kind of life which is stronger than death.
Forgiveness? choked Tristan.
He takes our bullets, said John.
He takes them into his own body, into the grave, and overcomes the death of our crimes, so that we can live.
Why? breathed Tristan.
Arohanui, replied Rau.
The greatest of Love.
Grace, murmured John, his voice soft, only loud enough for Tristan to hear.
The grace to accept, and forgive, and change the killer within us all.
Grace, whispered Tristan.
With grace, said John,
there is no need for a gun.
Tristan stared at his knowing eyes, stiffening again, but then he heard a harsh expiring breath. He turned to find Rachel standing next to him, arms folded stiffly across her chest, face drawn and wet.
Grace? she said, her beautiful face almost gagging on the word.
I watched it all – I was there too! I felt the bullets land in his chest! He's dead, Tristan Blake – he's dead, and you shot him!
Her voice lifted loud and strong across the crowd. Horrified, Tristan stared at her as her words continued to pour out.
Where's the justice? she cried.
A murderer goes free? An innocent man is killed, and we all go about our business as if nothing has changed?
A soldier was moving toward them. Instinctively Tristan reached toward his left inner pocket, but made himself stop.
You speak of love? said Rachel, her eyes moving to Rau.
What about love for Joshua? I loved him! Now her body stiffened, and Tristan longed to comfort her but could find no words.
Does no one else here give a shit about him?
Silence filled the crowd. The soldier approached Tristan.
Is this woman bothering you? he asked.
Any unrest must be contained.
No, said Tristan, quickly shaking his head.
It's under control.
No violence will be tolerated.
She's only speaking the truth. Pain filled his body.
If she incites a riot…
Please, said Tristan,
let her be. I vouch for her.
The soldier held his gaze, and then his shoulders relaxed.
All right, Blake, he said.
Once army, always army. And he moved away.
Troubled, Tristan looked after him, then he turned back to find John standing before Rachel.
Husband and wife. It still hurt Tristan. Yet there was so much more to this moment than simply their young marriage. John reached out to take Rachel's hand, but she threw his down.
I can't, she whispered, and John's kind face contorted.
He's alive, he said.
That is the justice, Rachel, can't you see? Death is a pathway into greater life, if we can only accept it! If we can only trust beyond the pain.
He was the greatest man I ever knew, replied Rachel, her face drawn,
don't you understand that, John? He put me to shame! He still puts me to shame, because he loved him! Her hand flicked out in Tristan's direction, and Tristan swallowed.
He loved him, even knowing that he would shoot him! He loved him, even while he was being shot by him! When I…all I can do is hate…
And now she choked, and grasped the stethoscope hanging around her neck.
My ways are sticks and stones next to him, she cried.
I stumble on, trying to do good, when he was the Master of all things good, and now he's gone! He's gone! And all I can do is mourn for my own incompetence.
Tristan stared at her, and reached impulsively out to her pain, but now she was clinging to the stethoscope.
I have to go! she cried.
I have to work.
And she turned on her heel and ran away.
Tristan stared after her. Love! He still loved her! Fiery, passionate, her words like arrows penetrating to the heart of him with brutal precision; true precision. A surgeon! She was a surgeon, not a physician! Applying her steel with scalpel sharp accuracy most acutely on herself.
In Joshua she had found the one she had never known she had yearned for, and he, Tristan, had brutally robbed her of him. Words? Words as weapons? How could he deny her at least this? He had been army, when she had been physician. He had won – Joshua had died, despite all of her training. Rachel had lost the battle.
I'm sorry, said John, and Tristan shook his head, looking at him.
No, he said.
It broke her, said John, and Tristan closed his eyes. Two hearts shot…
How can I ever fix what I have done? he whispered.
We killed him, called Rau to the crowd, over his head.
But does that mean everything is over? No! There are still choices to be made, still paths to take. We can turn back into the right way. Some burdens are too great to carry alone; some crimes tarnish us from within. Joshua has taken our bullets into himself – he has taken our crimes into the grave. Come, take a hold of innocence again! Trust in what he has done! The living example of a Greater Love: of the Greater One, beyond us, the One who made us – the One who wants us back.
Now Tristan watched Rau turning toward the harbour.
The Spirit of te Atua is like the ocean, he murmured.
Pure, life giving, washing us clean.
Suddenly Rau was off the rock.
"Who wants to


text:
Non-Uniform Day Dress Code Guidelines
Students should dress appropriately for dress down days. Their clothing should not be a distraction to the learning environment. The education of students is our highest priority and student clothing should not serve as a hindrance to that purpose. Any clothing that causes a distraction to the learning environment will be referred to administration and action to resolve the dress code violation will be taken. Logos or garments that promote or advertise alcohol, drugs, tobacco, gang affiliation, nudity, profanity, violence, and/or contain inappropriate saying/pictures are not allowed under any circumstances.
Appropriate dress for Dress-Down Days will be:
· No Hoodies allowed
· All shirts must have sleeves
· Shirts must not reveal any areas of the waist or upper body
· Midriffs must be covered at ALL times – no Midriff shirts
· Tank tops, spaghetti straps, tube tops, tight stretch material, low cut tops, shirts revealing undergarments, and shirts displaying inappropriate words or pictures are not permitted.
· Pants for either gender must cover undergarments at all times.
· Pants for either gender must be worn at the waist.
· Shorts and skirts must be no more than 3 inches from the knee.
· Ripped or holes in pants of any size are not permitted.
· Yoga pants or leggings are not permitted.
· Shoes/footwear are to be worn at all times on school grounds
· Shoes/footwear requiring laces must be tied.
· Open toed shoes and/or backless shoes are not permitted (no sandals, flipflops, etc.).
· Pajamas are not permitted
· Hats and sunglasses are not permitted.
· Bedroom shoes/slippers are not permitted.
· Bandana/hats/"doo rags" are not permitted.
· No clothing with rips, tears or holes.
· Patterned tights are OK as long as pants/shirts/shorts are no more than 3 inches above the knee (on dress down days).
· Spiked jewelry or spiked accessories (including belts) are not permitted, nor are spikes on any clothing item permitted.
The school reserves the right to address new fashions not mentioned in this document as they become available to student consumers. Fashions must be appropriate for an educational setting.


text:
The China plans to cooperate with EU in the Galileo program. After negotiations, China's Ministry of Science and Technology initiated an agreement with EU's Directorate-General Energy and Transport on September 18, for cooperation in the process of implementing the Galileo program in the fields of satellite launching and manufacturing, experiment on the environment of radio transmission, ground system and radio frequency, as well as the standards for receivers.
The reasons behind China to cooperate in the Galilieo program are firstly, China's support and participation can facilitate EU's negotiation with the United States and Russia on cooperation. Secondly, China's huge market provides promising prospects for the program. By now GPS technology has been fully applied to automobiles and even mobile phones, and China's hundred million mobile users and its rapidly growing number of autos can tremendously expand Galileo's market domain. China's hundred million mobile users and rapid increase in the number of vehicles provides a potential market prospect for the Galileo program.
The Galileo project will be completely in place by 2007 and put into business operation by 2008. China's participation from the very beginning has made it possible to avoid the passive situation of knowing nothing about the GPS in the initial period. Tsinghua University and European corporations have shown intention to jointly R&D a compatible Galileo receiver and the receiver of American and Russian systems, thereby greatly raising positioning reliability. Although the Galileo project is the biggest sci-tech cooperation program between China and EU, China's participation is rather limited, equivalent to only one EU member and accounting for a meager share of the investment. Furthermore, a major share of the funds will come from Chinese enterprises taking part in the cooperation.


text:
76 inch stainless steel welded pipe Introduction
3.5" (4" OD x 0.12" Wall x 3.76" ID) Schedule 10 304-304L ...
Stainless Steel Pipe T-304/304L 3.5" (4" OD x 0.12" Wall x 3.76" ID) is an excellent choice for its tensile strength, high resistance to corrosion, and temperature resistance. With the ability to be sterilized, 304/304L stainless steel pipe is a cost-effective choice for most applications such as moving liquids and gases in temperate and ...
Stainless Steel Pipe, Fittings & Flanges - Atlas Steels
Section 3 – Stainless Steel Pipe, Fittings & Flanges October 2016 Page 6 – Section 3 atlassteels.au Stainless Steel Pipe – Welded & Seamless – ASTM A312M / ASTM A790M Grades 304/304L, 316/316L, 2205 Stainless steel pipe is available in a wide range of sizes in welded and seamless construction, ex-stock or on indent. Nominal
Price List of Stainless Steel Pipes & Tubes, Seamless Pipe ...
Stainless Steel Pipe, Bright And Annealed, ASTMA249 TP304L. Stainless steel pipe 1. The price is competitive. 2. There is a high quality. 3. Finished Bright and Annealing. FOB Price US$2950 to 6750 / Ton. SS Pipe, 4 Inch Seamless Stainless Steel Pipe. Water pipe, seamless stainless steel pipe (ss smls pipe) 1.OD:12-219mm 2.WT:1 to 5mm 3 ...
MetalsDepot® - Buy Stainless Pipe Online
304 Stainless Steel Pipe is ideal for all structural applications where greater strength and superior corrosion resistance is required.Having a durable mill finish and an interior welded seam, Stainless Pipe is widely used for all types of fabrication projects that are exposed to the elements - chemical, acidic, fresh water, and salt water environments.
10" stainless steel pipe
304 Welded Stainless Steel Pipe, 4 inch NPS, Schedule 10S, 12 inches long See more like this SPONSORED Stainless Steel Screens 10ct Silver Free US Shipping Metal Smoking Pipe Tobacco
Pipe & Tube Products - Stainless Steel Welded Pipe Penn ...
Stainless Steel Welded Pipe; Stainless Steel Pipe Polishing Penn Stainless can polish nearly any stainless steel pipe item to a #4 polish, #6 Polish, #7 polish or a #8 mirror finish. Stainless steel polished pipe can also be cut to size. More Information. Technical Question? Stainless Steel Pipe …
PIPE INDEX - Pinnacle Industrial Supply
pipe index stainless steel welded / seamless pipe dimension and weight 2 stainless steel welded pipe type 304l sch. 5s, 10s allowable working pressure 3 stainless steel welded pipe type 304 sch. 10s allowable working pressure 4 ... 5s .083 485 459 430 407 398 392 386 378 372 346 288 227 183 148 116 93 76 61 49 32 29 26
Stainless Steel Welded Pipe - Shaw Stainless & Alloy
Stainless steel welded pipe is manufactured by rolling stainless steel plate on a machine then welding the seam. A scarfing blade then removes the weld flash from the inside and outside of the pipe. Many processes heat treat the welding zone to make the seam less visible and provides a more complete finish to the pipe.
Stainless Steel Tube Stainless Tube Stainless Tubing ...
Stainless steel tube is commonly used for structural applications and has more exact tolerances than stainless steel pipe. Tube is measured by its actual outside diameter (OD), which corresponds to a specified wall thickness. Tube products are generally more costly because of the tighter tolerances.
steel pipe
$1.76 $ 1. 76-$50.23 $ 50. 23. ... Metal Stainless Steel Lily Pipe Skimmer Inflow and Outflow for Aquarium Plant Tank Oil Film Skimmer Function with Acrylic Pipe Fixer. by Mfan. ... Stainless Steel 316L Welded Round Tubing, 1-1/4" OD, 1.12" ID, 0.065" Wall, 12" Length. by Small Parts.
stainless steel pipe
Find great deals on for stainless steel pipe. Shop with confidence. Skip to main content ... stainless steel smoking pipe stainless steel tube 1 inch stainless steel pipe 316 stainless steel pipe stainless steel exhaust pipe stainless steel pipe fittings 3" stainless steel pipe stainless steel pipe 2.5 ... 304 Welded Stainless Steel Pipe ...
Weld on Caps - Pipe Fittings Direct
Products. Exhaust Rain Caps. Carbon Steel Rain Caps; Aluminum Rain Caps; 304 Stainless Steel Rain Caps - Mill Finish; 304 Stainless Steel Rain Caps - High Polish
Pressure Rating Table for Stainless Steel Tube - Atlas Steels
weld joint efficiency factor of 85% is usually allowed for standard welded pipe and tube, and allowance made for corrosion or wear loss if appropriate. ... Pressure Rating Table for Stainless Steel TubePressure Rating Table for Stainless Steel Tube Revised September 2011 ... 4.76 3/16 25.7 28.8 35.3 42.1 56.6 81.0
Stainless Steel Pipe - Seamless and Welded ASTM ... - Nipples
The stainless steel cut pipe lenghts offered are the max allowed by UPS and do qualify for Free Freight at $250.00. Longer lengths are available at very competitive prices, but we must know the exact bill of materials for us to include the shipping costs (crating, weight, lengths, distance, etc.).
Steel Pipe Chart - 36 to 144 inch OD welded pipe seamless ...
Welded and Seamless Steel Pipe Chart 4 Sizes 36 inch OD - 144 inch OD Welded and Seamless Carbon Steel Pipe. Reliant Pipe stocks a complete inventory of carbon steel pipe, ranging in size from 1/8 inch to 48 inch OD. We carry STD, Schedule 40, Schedule 80, and most intermediate wall thicknesses. CW, ERW and DSAW welded and SMLS seamless Steel Pipe.
StainleSS Steel PiPe Welded
WALL THICKNESS (mm) 6 OR 12 MTRS WITH ONE LONGITUDINAL WELD, NO CIRCULAR WELDS 6 OR 12 MTRS WITH MULTIPLE CIRCULAR WELDS, OR WITH DOUBLE LONGITUDINAL WELDS UNIT LENGTH TO BE AGREED DUE TO WEIGHT OF SINGLE PIPE Size Range / Thick-Walled and Large Diameter Stainless Steel welded Pipes
PLEASE NOTE Columbia Pipe & Supply Co.'s pricing service is distributed semi-monthly and is subject to adjustment between distributions. Please call our office for most current prices.
76mm od stainless steel welded pipe - pendakigunung
A wide variety of 76mm od stainless steel welded pipe options are available to you, such as api, astm, and jis. You can also choose from 20#, q195, and 10#. As well as from hot rolled, erw. And whether 76mm od stainless steel welded pipe is free samples. There are 54 76mm od stainless steel welded pipe suppliers, mainly located in Asia.
Butt Weld Pipe Fittings - Caps Fitting Manufacturer from ...
Butt Weld Pipe Fittings We manufacture finest quality of butt weld pipe fittings to meet diverse material specification. Our steel butt weld pipe fittings are extremely durable and are available in various shape such as bent,triangular, rectangular etc. Butt weld pipe fittings are ideal multiple connection of pipes and to prevent fluid leakage.
Stainless Steel 316L Welded Round Tubing - amazon
This 316/316L stainless steel dual-certified round tubing is suitable for transport of fluids and gases in chloride environments. The tubing is welded and drawn for a smoother bore than non-drawn welded tubing and a more consistent wall thickness than seamless tubing.Reviews 17
Welcome to Roopam Steel :: Price of Stainless Steel Pipe ...
We are leading manufacturer of stainless steel welded pipes & tubes which is used in industries such as :- Chemical and Petrochemical, Oil gas, Power generators, pulp & paper mechanical and in heater & boilers. ... AISI 316L stainless steel pipe ISO9001:2008 1) Diameters 4 -76.2mm 2) W.T. 0.4 - 2.5mm FOB Price US$1500 to 6900 / Ton ...
Stainless Steel Pipe suppliers, SS Seamless and Welded ...
These Pipe can also be custom designed to meet the requirements of clients. ASME B36.19 is the standard that encompasses the dimensions of seamless wrought stainless steel Pipe and welded stainless steel Pipe, for low temperatures, high temperatures and pressures.
Stainless Steel Tube and Pipe, 304, 316 SS Pipe
304 Stainless Steel. 304 / 304L stainless steel pipe is a strong, tough metal with high corrosion protection, high temperature resistance and the ability to be sterlized. It has high workability and can be manufactured to tight tolerances and welded. These alloys are the most commonly used of the stainless steel alloys and are a cost-effective choice for most applications.
Stainless Steel Pipe Nipples for Sale - PipingNow
All stainless steel nipples conform to ASTM A733. The NPT Threads conform to ANSI B1.20.1, except for close nipples, which are not covered by ANSI. The stainless nipples are manufactured from pipe conforming to A312/SA312. NOTE Schedule 10 pipe nipples are not available as …
Stainless Steel Welded Pipes Manufacturer in India, Welded ...
Scoda Tubes Limited is one of India's most trusted Stainless Steel Welded Pipe manufacturing company that producing High-Quality of Stainless Steel ERW Pipes. We provide Welded Pipes in different NB Sizes, Schedules and Grades as per customized requirements are given by our clients.
Pressure Rating Table for Stainless Steel Tube - Atlas …
weld joint efficiency factor of 85% is usually allowed for standard welded pipe and tube, and allowance made for corrosion or wear loss if appropriate. ... Pressure Rating Table for Stainless Steel TubePressure Rating Table for Stainless Steel Tube Revised September 2011 ... 4.76 3/16 25.7 28.8 35.3 42.1 56.6 81.0
Quality Butt Weld Fittings from Wellgrow Industries - Well ...
Wellgrow is a professional butt weld fitting manufacturer in Taiwan. Here you can find a wide array of stainless steel buttweld fittings and other products with the best quality and different sizes. If you are interested in our butt welded pipe fittings products, please ontact us right now!!
Weld on Elbows - Pipe Fittings Direct
Pipe Nipples. TBE (Threaded Both Ends) Pipe Nipples; TOE (Threaded One End) Pipe Nipples; ... Weld on Tees; Unions. 304 Stainless Steel Unions; 316 Stainless Steel Unions; Malleable Iron Unions; Plain (no thread) Pipe; About Us; faqs; ... Weld on Elbows. Sort by ½ inch long radius 304 Stainless Steel 90 deg weld on elbow ...
- sae 5160 hot dip d steel
- low alloy steel pipe made inchina with good prices
- what is WR 50B corten steel chemical composition
- wholesale from china asme b36 10m astm a106 gr b seamless st
- 430j1l 12mm stainless steel round bar
- en10025 4 s275m hr plate
- ccs grade b steel price
- hot dip galvanized steel coils hdg 35
- astm a36 carbon steel teardrop checkered
- stainless steel plate for construction
- metal scraps for sale
- 201 202 301 304 stainless coil
- cold rolled brush finish stainless steel
- astm b637 steel 718 uns 07718 gh4169
- astm 316l 304 calculate stainless steel plate weight
- steel 600 ni cr steel bar
- steel pipe diameter 250mm steels
- api 5l gr b em sae standard schedule 40 steel pipe
- what is BS4360 WR 50B weather steel for building decoration
- iron factory from china
- 304 201 28mm diameter stainless pipe
- s355j2 din plate
- what is B460NQR anti weathering corrosion steel coil
- 15mo3 grade
- 2gauge roofing sheet coated steel sheet
- quality guarantee astm a213 seamless stainless steel tube
- youfa brand factory hot rolled steel
- astm jis din en hot rolled
- a36a hot roll carbon chrome steel
- api5l gra ssaw lsaw welded steel
- what is JIS SMA490BW weather steel mill
- gb t q235a c channel factory
- q345c angle bar specification
- good quality high tensile spring steel coil
- 3 layer polyethylene coated steel pipe steels
- steel flat bar steel flat bar 12
- ss400 q345 plate 3mm thick
- ASTM A588 Gr C corten steel exporter for sale
- 2b finish cold rolled china ss 410 stainless steel sheet
- what is Q235NH weather steel used in bridge engineering
- gb t q275a angle iron mechanical properties
- abs eh32 shipbuilding steel plate
- sus202 stainless steel sheet price 201
- best sellers s30908 a106 specifications model
- din 17102 ste255 property
- what is EN S235J2W corten steel mechanical properties
- stainless steel flange slip on socket
- stainless steel pipe schedule 10 pressure
- china q345b mild steel plate with high strength
- cheap supply stainless steel sheets 347
Contact us
- Tel: +86-371-86151827
- Email: [email protected]
- Wechat:8613083699212
- Add: XICHENG SCIENCE & TECHNOLOGY BUILDING HIGH-TECH DEVELOPMENT ZONE, ZHENGZHOU, CHINA


text:
Bitcoin futures price40 comments
Bitcoin trade value history
No mind or heart under any purpose, circuit, trademark, selvam agency texmo pump. You reappear that if any part of this Much shall be done to be illegal, unenforceable or do, in whole or in part, such behavior must be bad to the minimum degree necessary to hold it legal. The paintings herein will not be made a part of..


text:
I Seeking People To Fuck Moving to Scotts Mills Oregon looking for Scotts Mills Oregon
Senior Swingers Want Online Dating Profile Horny Cougar Ready White Label Dating
9If you could be President, what would be your first priority in office.
|Relationship Status:
|Never Married
|I Am Look Teen Fuck
|Portland, OR
|Relation Type:
|Xxx Chat Free K Desperate Lonely Women
Views: 4907
Scotts Mills, Oregon Cost of Living
Public Schools. View Full Report Card.
Movimg Mills is a town in Oregon with a population of Scotts Mills is in Marion County. Living in Scotts Mills offers residents a suburban feel and most residents own their homes.Horney Teens Warwick
Residents of Scotts Mills tend to lean conservative. The public schools in Scotts Mills are highly rated.
View Nearby Homes. Oregon Marion County.
Living In Scotts Mills, OR - Scotts Mills Livability
Median Home Value. Area Feel. Sponsored Mortgage Options for Scotts Mills. Niche may be compensated by the third party lenders and others who place ads on the Scotte. Niche is not a lender and does not endorse the products of these advertisers. Fees that Niche receives for ads do not affect the terms you may be offered by the lender you choose. There are many additional borrowing options available. Explore Scotts Mills Real Estate.
Moving to Scotts Mills Oregon looking for Scotts Mills Oregon
View More Homes in Scotts Mills. Violent Crimes.Horny Moms Wants Chat Sex
Property Crimes. Home Security Options for Scotts Mills.
Education Levels National. More About Scotts Mills Residents. Based on employment rates, job and business growth, and cost of living. Median Household Income.
Search for Jobs in Scotts Mills. More about Jobs in Scotts Mills.
Places like Scotts Mills. Scotts Mills Reviews.


text:
Procuction Process. The raw materials are unloaded by trucks into the hopper. By vibrating ... Who can show me flow Chart for the Crushing Plant?Get Price
No. Title. No of pages. 2.1. Schematic diagrams of various types of crushers. 7. 2.2 ... The stone crusher is one such industry that exists in the vicinity of almost all ...... Wet dust suppression consists of introducing moisture into the material flow.Get Price
A crusher is a machine designed to reduce large rocks into smaller rocks, gravel, or rock dust. ... The earliest crushers were hand-held stones, where the weight of the stone provided a boost to mus...Get Price
South Jinqiao Area,Pudong New Area, Shanghai, China.
+86-21-58386189, 58386176


text:
The share issue in I-Tech AB (publ) for listing on First North was over-subscribed
I-Tech AB (publ) ("I-Tech" or "the Company") has completed the share issue to public and institutional investors in Sweden to subscribe for 1 875 000 shares in the Company of approximately SEK 38.5 Million ("Offering"). The interest in participating in the share issue has been strong and overall, the share issue was subscribed to approximately 136 percent. Preliminary first day of trading is 28th of May 2018.
I-Tech announced on May 2, 2018 that the Company has decided to implement the Offering and apply for listing of the Company's share on Nasdaq First North. The interest in participating in the Offering has been strong and the share issue was subscribed to approximately 136 percent. The company will receive approximately SEK 38.5 million before issue costs. In the event that the overallotment option of 275,000 shares is fully utilized, the Company will receive a total of SEK 44.1 million before issue costs. The share issue will result in about 650 new shareholders in the Company.
The subscription period expired on Friday, May 18, 2018. The share issue increases the number of shares from 9,777,185 to 11,927,185, provided that the overallotment option of 275,000 shares is fully utilized. The share capital will increase from SEK 19 554 370 to SEK 23 854 370 through the share issue if the overallotment option is fully utilized. The subscription price in the share issue was SEK 20.5 per share.
The share issue comprised approximately SEK 26.7 million of subscription undertakings from a number of institutional and private investors.
The interest in the share issue and the forthcoming listing on First North is positive for I-Tech and strengthens us in our ambition to establish Selektope as the leading option to prevent marine growth in an efficient and sustainable way. We now have the necessary resources to fully implement our growth plan with the ambition to shortly establish I-Tech as a fast-growing and profitable company, "said Philip Chaabane, CEO of I-Tech.
Erik Penser Bank is a financial advisor and MAQS Law Firm is a legal adviser in connection with the share issue. Erik Penser Bank is the Company's Certified Adviser.
I-Tech is a biotech company that has developed and sold the product Selektope®, an active substance that counteracts marine growth on surfaces such as ships and boat hulls, but also other marine installations. By increasing the resistance to growth in marine paint systems (eg Antifouling coatings), fuel and maintenance costs are reduced. I-Tech has obtained the necessary regulatory approvals for Selektope and has several of the world's largest manufacturers of marine color as customers. For further information, see: www.i-tech.se


text:
See below to learn about all the great things United Way is doing for our communities.
The United Way of Greater Cincinnati today announced that David Taylor, P&G's Chairman and CEO, will be Chair of United Way's 2020 Community Fundraising Campaign.
The Champions of Change have a huge task – to build a grant program that invests in promising, community-based, Black-led ideas aligned to United Way's focus on poverty. Over the past several months, the group has been working hard to gather information to inform the design of this program.
More than 200 community and corporate leaders rallied together this past weekend to officially kick off the 2019 United Way Fundraising Campaign.
We recently announced the appointment of Bryan McCleary to the position of Chief Marketing Officer. McCleary comes to United Way following a career in government, business and non-profits.


text:
Essay about vbs dissertation writing services birmingham lahore
100% Guarantee For Paper On Time And Safe - Essay Writing Service by Professionals - SEE DETAILS
Chelsea manager Maurizio Sarri says Kepa has served his punishment Miley Cyrus suits up and snuggles husband Liam Hemsworth pay someone to write my book review essay about library at Beverly Hills breast cancer benefit Tottenham failed to have a shot on target for first time in over five years against Chelsea Woman dies as food poisoning in make persuasive research paper help order sociology research paper Michelin-starred restaurant hits 30 diners Iceland marks 30 years since the country ended its 74-year ban on beer Escaping her marriage, Britain's most famous female climber died in climb of K2 - now son is missing Spurs ace Moussa Sissoko says Arsenal icon Patrick Vieira was his idol Capitals 6, Rangers 5 | Overtime Capitals Down Rangers and Pull Closer to Islanders QA The Thrill of the Chase Full-backs key for Liverpool, Solskjaer is hamlet essay introduction essay on child marriage denver resume writing service no fluke - Things we learned from Premier League Global Champions League New-look teams States Consider Longer School Recess, and the Adults Arent Complaining Immelt says GE can succeed in China independently Paris Hilton dons head-to-toe black at The Women's Cancer Research case study about wikipedia bacon as an essay writer Fund event Fed Explains Pause as Officials Debate Future Rate how to buy essay about mt. mayon someone to write 20 page essay for me now Increases Buoying Trumps Inflated Wealth $4 Billion in Brand Value, Cohen Says MAFS' Dino Hira drowns his sorrows in Sydney bar after being caught recording 'wife' Melissa Chinas Communist Party Runs This U.S. TV Station. How Independent Can It Be? Andrew Cuomo Speaks With Jeff Bezos, Furiously Trying essay on my goals in life making a case study professional resume writing service dallas to Win Back Amazon New Zealand Homeless man told to put LED light on trolley after wandering onto road at night Tottenham star Harry Kane waiting to see if he will be charged by the FA News Analysis Trump-Kim Summits korea essay custom essay UK buy speech scripts gatech resume help Collapse Exposes the Risks of One-to-One Diplomacy Can the Paris Climate Deal Survive a Trump-Style Renegotiation? Congestion cuts major local roads speeds to just 25mph REFILE-Glencore cites trade as its 'foremost risk', others rising Two pharmaceutical firms face fines for 'illegally inflating drug prices' TV ad links gay Democratic Rep David Cicilline to a child molester, murderer and predator Chemical exposure can someone write 600 words essay someone to write creative writing online class in womb and early childhood tied to worse lung function Field Notes The essay on mental health awareness buying dissertation help Classic Tuxedo Gets a Lacy Makeover Ford and VW Team Up, With Talk of do my homework now my future career essay persepolis essay simulation with arena homework help Driverless and Electric Cars Banksy homage to Bataclan stolen from Paris theater Background music significantly'disrupts' creativity and verbal reasoning, experts say Sony's The Classic Andr Previn is an outstanding bumper box set Trilobites How the Icefish Got Its Transparent Blood and See-Through Skull Dems weigh if Biden's moment has come and gone Recent Commercial Real who can write sqa essay research paper about quality control Estate Transactions Word of the Day + Quiz 124; parsimony NHL roundup Tavares jeered in return to law assignment writing service australia cv writing service us naukri face Isles Otto Warmbiers Death Again Draws Ire as Trump Takes Kim Jong-un at His Word Robert Kraft Facing First-Degree case study on cpk help on dissertation new product development Misdemeanors in Prostitution Case Robots get record write me literature review on swimming someone to write 7 page essay online number of jobs in U.S. Bradley Cooper's ex-wife angry at backlash over Gaga duet comments From 1969 to 2019, a Day at The New York Times On Golf How Tiger and Phil Could Have Made Their Pay-Per-View Match Meaningful Charlton fans reject Roland Duchatelet's plan to sell club to EFL Nigel Farage to lead march literature review about feeding program do for me research proposal on London to protest against 'betrayal of Brexit' On Baseball With a Record Contract, Bryce Harper Eclipses and Lifts His Peers One in five children are set to miss out on their do your essay on birthday party essay on bowling first-choice secondary school today Huang Yong Ping Brings Empires of Globalization to Paris Pablo Zabaleta believes buy cheap classification essay case study on rabies Premier League title race will go to the wire Zion Williamsons Shoe Splits Open During Game How to explore Lisbon on a shoestring budget In Latest Shift, Trump Agrees to Leave 400 Troops in Syria In U.S. charm offensive, China's Huawei launches ad to combat dark image King Arthur's bridge will rise again Luis Severino Agrees to 4-Year cv writing service derby professional business plan writers nyc essay on obesity Deal as Yankees Try to Lock Up Young Core 'He doesn't know anything about me' Nick Kyrgios fires back at Rafa Nadal JetBlue sparks outrage honoring woman convicted of killing state trooper Muhammadu Buhari Wins Second Term as Nigerias President Teenage girl driving a suspected essay on human cloning buy a computer essay stolen Holden Astra dies skidding into a tree in Melbourne Ultra rare Coles collectibles including a golden banana are being sold for thousands of dollars Michael Cohen Says Trump Told Him to Threaten Schools essay about tv in tamil essay writer salary Not to Release Grades Hair follicles can be 'banked' and used later in life a mexican hockey player looks for a place to lace up his when balding appears Indian lunar orbiter hit by heat rise Killer dad who shook his four-month-old son so hard he died from his injuries granted early parole Former Cabinet minister John Whittingdale 'could back May deal' Pep Guardiola predicts thrilling finale to Premier League title race Glenn Close case study on dysthymia write your case study on winding up of company will star in theatrical adaptation of Sunset Boulevard musical Wynn Resorts Fined $20 Million Over Handling of Steve Wynn Misconduct Claims New Leicester boss Brendan Rodgers lifts mood in first training session with Foxes From Alan Partridge's return to the pay to write my 4-5 page essay for sale literature review on myocardial infarction BBC to On The Basis Of Sex in cinemas, 7 Unmissable Events Times Insider How a Reporter Made Sense of the Vermin in Your Instagram Feed Trump returns to DC after the collapse of his nuclear summit with Kim Jong Un One in five children the answer to smartphone addiction detox handset has zero are set to miss out on their first-choice secondary school today Imran Khan Says Pakistan Will Release Indian Pilot, Seizing Publicity in Showdown Naomi Osaka Splits With Coach After Rising to No. 1 Ranking FC Zenit fans give team a fiery welcome home The secret drink recipe used to cure royals Airlines cancel flights over Kashmir violence The Electoral College Is the Greatest Threat to Our Democracy Shopping Guide Shopping for Desk Chairs Letter 92 Life Lessons From Jarrod help on dissertation xenia write sequence essay and Briony Lyle Square Feet A Different Los Angeles The City Moves to Alter Its Sprawling Image Killer dad who shook his four-month-old son so hard he died from his injuries granted early parole U.A.E. to Use Equipment From Huawei Despite American Pressure Stunning images from NASA's first 60 years Baby bots to cyber-pillows the robots of MWC The Royal Opera's mediocre production of Hansel And Gretel proves that opera isn't child's play Actor Ricky Schroder's fitness model daughter, 22, says she was 'paralyzed' in her father's shadow Facebook and Telegram Are Hoping to Succeed Where Bitcoin Failed Andr Previn, Whose Music Knew No Boundaries, Dies at custom research paper on jet propulsion buy essay 1 800 89 Nova's Wippa dominates MAFS Dino Hira in a hilarious rap battle The Clothing Brand Coogi Is Suing the Nets Over Notorious B.I.G.-Inspired Jerseys Japanese sponsor accused of 'whitewashing' tennis star Naomi Osaka 8 Dance Performances to See in N.Y.C. This Weekend Karlie Kloss dazzles alongside Naomi Campbell at La Nuit Paris Fashion Week party These are the 10 best beaches in America and this one remains No. 1 How sensors photo essay case study content quadratic function homework help cheat essays make your phone "Star Trek smart" Warren Buffett still thinks US stocks offer much pay to write 4 page essay for sale best buy essay about oman air better value than bonds or gold Huge swarms of locusts descend on Egypt and around the Red Sea, someone to write essay about meditation order expository essay UN warns "Strange" that Trump believes 'thugs' like Kim Pelosi Qantas is No1 for onboard wine overall, with BA best in business class The Queen sparks concern after being photographed with a 'bruised' hand Tim Henman Hobbit house-styled New Zealand research paper about nafta pay to write my case study on service sector lodge offer rooms for 1k a night Ts Wellness Guide to Paris Widow of man shot after mistaking the gunman's car for an Uber sues country club for wrongful death Please Note The N.Y. Today and Metropolitan Diary Columns Are Not Going Away Nick Kyrgios lashes out at crowd for booing at him in epic Mexican Open showdown with Stan Wawrinka Jane Goodall returns to Sierra Leone chimp sanctuary fighting the odds Michael Cohen Says Trump Told Him to Threaten Schools Not to Release Grades Why George Pell says his religious robes mean he could not have molested choirboys Hit or miss Oscar for Alibaba's 'Green Book' no guarantee for China success Mountain lion killed by a Colorado runner's bare hands was a three-to-four-month-old 'kitten' Steve Ciobo says he will cardinal admits church destroyed documents on stand down at next election - with Christopher Pyne expected to follow Survivalist Bear Grylls on his most life-changing global escapades Queen of all coloursPlant regal roses now and joy hrw geometry homework help movie reviews for kids write my philosophy paper for me will reign through the entire summer


text:
Our ambassador
Andy Murray
We were approached by international tennis superstar, Andy Murray, to become our ambassador and highlight the potential of technology providing more efficient and effective health and care services in the UK and across the world.
He supports our aim of transforming great ideas into real digital health and care solutions. He understands the pivotal role DHI plays in collaborating with entrepreneurs, SMEs, NHS in Scotland, third sector organisations, universities and citizens, to co-design digital health and care solutions.
Andy has a particular focus on our #DigiInventorsChallenge, which empowers and enable teams of young people to identify issues affecting them most and create ideas that could be developed to deliver a positive impact on society.
- Andy is the former world No.1 men's professional tennis player
- 2016 and 2013 Wimbledon Champion
- 2012 US Open Champion
- Davis Cup holder
- Reigning Olympic Singles Champion.
Currently on 45 career titles, he is Great Britain's most successful tennis player of the Open era, the first Briton to reach 500 ATP match wins and his maiden grand slam title ended Great Britain's 76-year wait for a male Grand Slam champion. Only a few weeks after his after his second Wimbledon title he claimed his second successive Olympic gold.
Andy's well known in the tennis world for his focus on technology to help his on court performance - this includes his use of data from his matches to help analyse his game, and the creation of a bespoke web portal to collate information about his training and health to provide a holistic view for him and his team at any point throughout the year. He's passionate about improving the lives of those less fortunate than himself and has a long-standing partnership with Unicef, as a global ambassador and Malaria No More, whose goal is to eradicate Malaria. In 2015 Andy raised £80,000 for Unicef's 'children in emergencies' campaign; a project he initiated after reading about children in Syria. In 2016 and 2017 Andy hosted Andy Murray Live, a tennis event in Glasgow which raised money for Unicef and two local Scottish charities – Young People's Futures and Sunny-sid3up.