text:
Doctor's Strike
The doctors are striking this week in Panama. Amongst other things on their agenda is the threat that hospitals would be "privatized" in Panama, i.e. run by big corporations as many are in the US instead of by the government, and whether foreign-trained non-Panamanian physicians should be allowed to practice in Panama.
Health care is in flux in many nations. Everyone needs it and few are satisfied. One of the most common questions I get is, "What's the heath care like in Panama?" Over the ten years we've lived in Panama things have changed. For better or worse Panama has become more "developed" and in some ways more like the US. So I've been rethinking how we as expats relate to heath care in Panama.
Each year the World Health Organization [WHO] looks at an aspect of health care in 187 member countries around the world. The 2000 report provided a conceptual framework and measurement approach to help to understand the complex factors that explain how health systems perform. The report provided an assessment of the performance of national health systems for all countries. That report assessed the overall level and distribution of health care and looked at the financing of health care. Of course not everyone agreed with the methodology or conclusions of the report, but it is never-the-less interesting to compare the US and Panama. It gave two rankings, first was the overall level and distribuition of health care (that's the number on the left below), and the second was the cost of heath care (the number to the right). "1" in distribution would be the "best" and in cost would be the "most expensive."
|United States
Although not the "best" in the world, clearly the US was light years ahead of Panama, and equally clearly the US, even 13 years ago, had the most expensive health care in the world. Although rankings may have changed, I suspect the relationship is pretty much the same. There is no question in my mind that health care in the US is still better . . . and a whole lot more expensive.
"Better than anyone else!"
There is amongst US Americans I think a universal assumption, well, at least until the past few years, that everything in the US must be the best in the world: after all, the thinking goes, "We are the brightest, most powerful, most knowledgeable, most generous, most blessed, most prosperous, most wealthy, most envied, most lucky, most free people in the world!", aren't we. To suggest anything else, was to risk being called "Anti-American!" That in itself reflects the common US assumption that, "Weare the Americans, and everyone else [Latin Americans, South Americans, Canadians] are, well . . . chopped liver."
Lately we're discovering that we, like everyone else, are a flawed and struggling people.
And certainly that is true when it comes to health care.
So, before we talk about medical care in Panama, we need to think about medical care in the US.
Some quick comparisons, courtesy of the CIA [CIA Worldbook]:
Death Rate:
USA 8.38 deaths/1,000 population
PANAMA 4.66 deaths/1,000 population
Life Expectancy at Birth:
USA 78.11 years
PANAMA 77.25 years
Life Expectancy at Birth Country Comparison to The World:
My wife worked for the County of Ventura. Every year the County, looking to save a few taxpayer dollars, would shift to a new HMO. One of their choices actually went under taking with them, and destroying, all of the medical records of the county employees. Before we moved to Panama, my wife paid one last visit to her HMO to collect her records, have a final check up, and get prescriptions renewed. Meeting with the doctor, the doctor asked, "So how are you doing with your diabetes?"
My wife said, "You must be looking at the wrong chart. I don't have diabetes?"
Doctor, "Oh yes you do. We diagnosed you with diabetes a year ago. Didn't anybody tell you?"
No, in fact they didn't! How is that for "quality" health care?
According to the Council on Foreign Relations, talking about the impact of the cost of health care on US competitiveness in the world,
"Factoring in costs borne by the government, the private sector, and individuals, the United States spends over $1.9 trillion annually on health care expenses, more than any other industrialized country. Researchers at Johns Hopkins Medical School estimate the United States spends 44 percent more per capita than Switzerland, the country with the second highest expenditures, and 134 percent more than the median for member states of the Organization for Economic Cooperation and Development (OECD)."
We all know the US health care system is broken and may . . . or may not . . . be fixable. So let's just drop the assumption that we have the "best" . . .
Three systems . . .
- National Heath Care – "Salud" – you see these white, yellow and green buildings in almost every Panamanian community. It is a basically "free" or "low cost" – 50 cents to see a doctor, $1 to see a specialist – system designed mainly to treat the enormous and poor Indigenous population and those without Social Security health care. It is underfunded, understaffed, and plagued by inefficiency and bureaucracy. But it is available to everyone, even expats.
- Social Security – Everyone who works in Panama must by law pay into the Panamanian Social Security system. Basically the employer pays half and the employee pays half. For our Indian worker I think we pay about $4 a week. Long lines, understaffed, and plagued by inefficiency and bureaucracy. Often doctors prescribe drugs that are supposed to be "free" but the Social Security system doesn't have them, so users must buy them at pharmacies. Pharmacies sell drugs here by the pill. So if your doctor prescribes something, you buy only as many as you can afford, when you can afford them!
- Private System – Is the system used by many middle and upper class Panamanians, by expats, and by the increasing number of people who are coming to Panama to have procedures done, a growing industry called "medical tourism."
This duplication of systems is reflected in duplication of hospital facilities and services. In Boquete the National Health Care "Salud" has an emergency room as does the Social Security Clinic across the street. Both are open 8am to 5pm, so schedule your emergencies accordingly.
Our Experience
Riding Mr. Ed . . .
When we first came to Panama we used to enjoy riding horses with our friends Brad and Jackie. We found a local guy who rented out his horses for $5 an hour. It was great fun! My kids were visiting so we all went horseback riding, all five of us. I guess the guy only had four horses of his own, so he borrowed one from a friend, which turned out to be a problem horse not used to amateur riders. My wife rode horses as a kid on her Grandpa's ranch in Montana, and although that was a long time ago, she was comfortable on horses, but all this horse wanted to do was run. The equipment was, well Panamanian, meaning, at times improvised and cobbled together. As it happened the bit was cobbled together and came apart just as the horse was acting up. The horse took off, the bit was broken so my wife had no way to control the animal . . . she ended up being thrown off and landing on the pavement on her head.
Fortunately my daughter Rebecca is a "wilderness outdoor first responder" or something like that, somewhat equivalent to an EMT except she can't deliver babies but can pronounce people dead if they are a certain distance from a hospital. Rebecca immediately went into EMT-mode. We were a long way from town, and my older daughter said, "Dad, you have to get a doctor since we don't know where to go!"
So I rode off for town, not knowing at that point whether my wife was dead or alive.
I rode quite away until a car came along. The driver had seen the riderless horse so knew there must be a problem. We tied up my horse and he took me into town to the doctor's office. We got in his brand new Toyota with gray seat covers and rode back to the scene of the accident. By this time my wife was somewhat responsive. My daughter gave the doctor a quick summary. With a head wound there was blood everywhere, but the doctor put my wife into his brand new car and we went back to his office. It took 3 hours and 70 stitches for him to sew Nikki's head together, and he saw her three times a week for 10 weeks. The total cost was $850 . . . probably the cost of an ambulance ride in Southern California.
The really interesting thing was on one of the follow up visits the doctor greeted us with, "Nikki! I'm so glad to see you! I had a dream last night that you didn't come in, and then I couldn't get back to sleep worrying if something was wrong." How many HMO doctors in the States even know your name, if they aren't looking at your chart, let alone wake up at night worrying about you?
And this guy made house calls!
I told that story on the ship and a guy sitting in the front row said, "I'm a doctor, and I still make house calls and wake up nights worrying about patients!" So there are still a few guys and gals out there . . . but, in general, it's not the face of managed health care in the US.
So what happened? Nikki is fine! After spending a lifetime wasting 25 minutes every morning doing her hair, she discovered a new no-fuss, no-muss hair do that better suits our life in Panama. We ended up buying helmets in the States, which we haven't gotten around to using. The guy is still renting horses, and still sometimes using the same horse, and sometimes we see obviously totally inexperienced riders on that same horse . . . If we found a reliable place to rent horses, we'd probably ride again. [One of the things about a non-litigious society like Panama is folks don't worry about being sued.]
Unfortunately the fine doctor in this story moved to Panama City.
Every man's favorite day at the doctor . . .
I went in for my "every five year" physical . . . new doctor, internist, $20 plus my insurance coupon, and another $40 for tests . . . and of course he told me "it's time" for that guy-favorite, a day with Mr. Sigmoidoscopy. So I called to make an appointment, expecting to enjoy weeks of eager anticipation . . . only to discover I had an appointment in three days . . . only three days because I needed to "prepare." I forget the exact cost, but most was covered by our local insurance (more on that tomorrow), but it was quick, easy and relatively "painless" . . . unless you enjoy that type of thing.
Roto Rooter . . .
My wife has heart disease and has had several angioplasties. Her last angioplasty had been 12 years earlier, but the familiar symptoms were returning. We did not have a cardiologist in Panama so we began asking around and talking with gringo friends to find out who was the best cardiologist in Western Panama. There was universal agreement on one doctor. So we called and asked for an appointment . . . expecting to wait weeks . . . and he gave us an appointment the next evening. We sat down with him and he spent an hour with us, going over Nikki's records, reviewing her medication, examining her, and explaining the situation. Although his English was somewhat limited, we received the most understandable explanation of Nikki's condition we have received from any doctor. There was no rush. He took Nikki's records and said he wanted "to take them home to study" and set up an appointment for stress tests. A week later we returned for a series of stress tests at his office, and began a two-month series of exams, tests, adjusting medication and diet, etc.
At the end of the two months, and shortly before I was scheduled to leave on a cruise contract for five months, it was decided that yes, indeed, Nikki did need an angioplasty and probably one or two stents. The doctor made an appointment with the best guy in Panama City who works out of Hospital Patilla which is affiliated with Johns Hopkins. We had the appointment right away, but it took about a week to shuffle papers between our insurance provider (more about this tomorrow) and the cardiologist to get approval for the procedure in Panama City.
So my wife flew to Panama for three days and had an angioplasty and two stents implanted, and then flew back to Chiriqui. The total cost for an angioplasty and two stents (including hospital and surgeon) was $14,000.We have a friend who had the same procedure performed in Boston, and his hospital bill alone was $60,000! Because we had a hospital insurance scheme with Hospital Chiriqui in David, and because they do not do invasive cardio procedures, our local insurance picked up half of the cost, so our out-of-pocket cost was $7,000.
Hospitals . . .
In David, the third largest city in Panama, 45 minute drive from Boquete, there are four large hospitals. The Maternal & Child Hospital is a National Hospital focusing primarily on material and pediatric care. It is only two years old and was a gift from the people of Taiwan, with whom Panama has diplomatic relations. Almost next door is the Social Security Hospital which serves people who are working in Panama and paying into the Social Security system. Just down the Pan American Highway is Hospital Mae Lewis, a private hospital that is used by locals and gringos. And a few blocks off the Pan American Highway is Hospital Chiriqui, a private hospital that is generally preferred by expats because of their "insurance" program (more on that later). Hospital Chiriqui. Additionally, scattered around David, there are almost a half dozen tiny private hospitals owned and run by a consortium of doctors. In some ways it isn't very efficient, yet the hospital costs are low. A private room runs about $60 a day! Of the private hospitals, Hospital Chiriqui has the most "bells and whistles" including a state-of-the-art MRI machine, one of two in Panama.
Unlike in the US, in Chiriqui any doctor can practice in any hospital and you are not limited to only certain hospitals where your doctor happens to be on staff.
Emergency Care . . .
Here is where things can get a little dicey.
If you happen to be one of the very few people to get bitten by one of our famously poison snakes, like the fer de lance which is fairly common in Chiriqui . . . and let me quickly add that your chances of getting bitten by a poisonous snake are about the same as your chances of getting struck by lightning or winning the lottery! . . . if you are bitten by a snake anywhere in Panama you are generally about 45 minutes from a Social Security hospital which is where the anti-venom is kept. So you have plenty of time to get to the hospital where you will find that rather than immediately giving you anti-venom there is a long waiting/observation period while they test your blood and wait to figure out what kind of snake bit you and what type of anti-venom you need. Almost everyone, except for Indians living in very remote areas, recovers. So although the fer de lance and bushmaster can be "deadly", your chances of dying if you get assistance are very slim.
And, if you get bitten between 8am and 5pm the Social Security emergency room in Boquete usually has anti-venim available.
OK, we got that out of the way!
When we first came to Panama my wife asked our Boquete doctor, "So if I'm having a heart attack, what do I do?"
His response: "First you call me. I'll come to your house and call an ambulance. We'll stabilize you in David, and if necessary, once you are stabilized, we will fly you to the Panama City where the hospitals and doctors who specialize in invasive procedures are located."
Good enough . . . but when we say "ambulance" do NOT think of ambulance service in the US! There have been times in Boquete when we had four different ambulances . . . and none were working! And an ambulance here is primarily a means of transportation. Don't think a team of trained "EMTs" on call . . . or an ambulance with any sort of equipment on board. Over the years we've been in Boquete the expat community has worked hard and raised money to improve ambulance service, but it still is nothing like what we were used to in the States.
Our experience . . .
One afternoon my wife started having some kind of episode. She was dizzy, had no feeling in her arms, was weak, and couldn't stand up. It looked like some kind of allergic reaction and I feared she was going into anaphylactic shock. [We have experience with this: I am highly allergic to shellfish of any kind in any amount, and my daughter is highly allergic to chocolate.] Without 911 or any similar kind of emergency help, I called our friend Brad, and together we carried Nikki to my car, and I went to the doctor's office (the same guy who treated her when she was thrown off the horse . . . the story I told yesterday). It turned out the good doctor was on vacation and the gal who was filling in not only didn't speak any English, but wasn't that familiar with his office. Eventually she found the oxygen mask, started an intravenous drip, got Nikki stabilized and agreed we needed to get to the hospital in David. She called the ambulance . . . and the "fun" began.
The doctor called the ambulance, then said to me, "They don't have any gas. They want to know if you can pay for the gas?" Yes!!!
So the ambulance and attendants arrived . . .
First problem: the doctor's makeshift treatment room and the gurney that wouldn't fit in.
Second problem: the ambulance crew hadn't the slightest idea how to move a patient from a bed onto a gurney. Somehow we managed.
Third problem: Nikki was too big for the ambulance. Panamanians are shorter. So they couldn't close the back doors of the ambulance all the way. She wouldn't fit! So the creative solution was for the ambulance attendant riding in the back to wedge himself between the side of the ambulance and press his feet against the gurney to keep Nikki from sliding out the back doors, which were flapping in the wind.
Fourth problem: Nikki had an IV drip going and there was no place to hang the drip in the ambulance. The attendant in back was busy trying to keep the gurney from flying out the back, so Nikki had to hold her own IV bag.
OK, we stopped and got $20 worth of gas. Then we began racing down the mountain to David with lights and sirens going.,
Fifth problem: Nobody in Panama is going to move for an ambulance! Only the expats will pull over out of force of habit. So I'm in front, the driver is laying on the horn so people eventually will move out of the way.
Sixth problem: We start to get one of our famous, afternoon "rainy season" cloudbursts when the water is coming down in torrents. In front the windshield wipers are barely working and in back the doors are flapping in the wind and the water is coming in soaking Nikki and the attendant who is bravely still holding the gurney in place with his feet.
The reality: Supposedly "laughter is the best medicine" and Nikki, although the center of the drama, couldn't help but find the humor in the situation.
Fortunately we arrived at Chiriqui Hospital and into the tiny emergency ward. It took a while, but Nikki was stabilized and a team of internists eventually discovered that she had developed an allergy to aspirin. She spent two nights in the hospital, before coming home. The ambulance ride:(for those of you who remember the original Disneyland . . . definitely an "E-ticket" ride!) $20 for gas, and another $5 (in gratitude) for beer for the guys. Hospital: emergency room, two nights, and physicians $225.
Yet another story . . . my wife keeps things interesting!
Nikki was experiencing tingling in her arms, chest pain, yada yada . . . with her history . . . "Come on, Nikki, don't be a hero! Let's get it checked now. If it's nothing, fine . . . if it's not, "golden hour" and all that stuff." So we go to Boquete to the new clinic for such emergencies that Hospital Mae Lewis has opened. The only problem is there's only a receptionist staffing the clinic. No doctor . . . not even a nurse . . . receptionist and janitor. The receptionist informed us that the doctor was going to be coming in an hour and that we could sit and wait. OK, so this is to be an "Emergency Clinic" . . . right. And if it is a heart attack, we're going to sit here and twiddle our thumbs for an hour and hope that the doctor actually does show up as scheduled . . . which, in itself, would be somewhat of a miracle anywhere, let alone in Panama. And I'm about to have a "Richard-goes-ballistic" attack . . .
I remembered that a friend I had met because he had read this blog, lived in an apartment upstairs. He is a retired neurosurgeon who still consults via video cam in complicated surgeries around the world. Although he wasn't a cardiologist, I knew he had his own personal encounter with a massive heart attack and open heart surgery, so I went upstairs and asked him if he could just come down and take a look at Nikki. Gracious friend that he was he put on his slippers, found his stethoscope and came down and took a look. His verdict, "I can't say what is going on, but I can say with 99.9% certainty that she is not having a heart attack."
So . . . forget paramedics and 911. Panama does have a new 911 system but it is for traffic accidents only.
As a reader, "oldsalt1942″, once commented, "You get better or you die, and that's the reality of health care in the vast majority of the world. You get better or you die. Period. And let's face it, you can't take life too seriously because none of us are getting out of here alive."
We do have in Boquete an emergency contact system which is really quite remarkable. We have a phone number to call which is answered by a gentleman who is confined to home in a wheelchair. He speaks both Spanish and English fluently and will contact on your behalf the police, fire, ambulance or other emergency assistance as needed.
In my next post I will discuss what we have liked and disliked about health care, based on our mostly positive experiences, the very negative experiences of some of our neighbors, and insurance.


text:
This is a rush transcript from "Special Report," October 24, 2013. This copy may not be in its final form and may be updated.
ANGELA MERKEL, GERMAN CHANCELLOR (via translator): Spying among friends does not work at all. That is what I said in June when he was in Berlin, in July and also yesterday on the phone. And this is in the interest of the German citizens. This is not about me specifically but about all citizens. We need trust among partners and this trust needs to be restored now.
CHRIS WALLACE, ANCHOR: German Chancellor Angela Merkel clearly not amused by reports the NSA may have tapped her cell phone. We are back now with the panel.
The Edward Snowden leaks keep coming. Earlier this week it was that the NSA may have collected, hoovered up as many as 70 million French phone calls late last year, now that they may have intercepted Angela Merkel, the chancellor of Germany, a supposed friend of ours, may have intercepted her cell phone calls. George, should would he be shocked by this or is this just what big countries do to both their enemies and friends?
GEORGE WILL, SYNDICATED COLUMNIST: Put me down as not shocked. Obfuscation is part of the job description of a White House spokesman so we have to parse their sentences carefully. So it was interesting when Mr. Carney today said the United States is not monitoring and will not monitor her phone calls, which left open the past, so he might have well have announced that we have done it.
But so what? The fact is we have come a long way technologically and perhaps morally since Secretary of State Stinson famously said "Gentlemen, do not read each other's mail." Well, they do and they listen to their phone calls, and she knows this, probably. And she also knows that Germany and France and all the rest are very dependent on American intelligence. So this is a case of, I think, more she has to be one way in public and mortar tolerant in private.
WALLACE: But, we have to say that the list is growing. And let's put up some of the names. Brazil's president postponed a state visit to the U.S. after reports the NSA intercepted her messages. And then there are also reports that the U.S. gained access to communications of Mexico's former president while he was in office. Juan, it may be standard operating procedure, but when it becomes public, it becomes messy.
JUAN WILLIAMS, SENIOR EDITOR, THE HILL: Correct. And that's why Snowden's revelations are so damaging. They are hurting relationships, they are hurting networks. I mean, you think back, I think it's post World War II they had the spy-by agreement, the United States and four other countries including Canada, New Zealand, Australia, and I guess most notably the British agreed not to spy on each other in this way.
But the fact is spying is part and parcel of international relations. As George just said, we may be a little better at it because we are more technologically sophisticated, but it's all understood that this is what takes place. So you have to be literally naive -- I mean you have to be the little girl with the curl to somehow think, oh you know, nobody else is looking. Nobody else would dare do that. That's rude.
WALLACE: So you really aren't shocked at the idea that we might be intercepting Angela Merkel's cell phone?
WILLIAMS: No, that was swept up. It wasn't as if they targeted Angela Merkel and said we want to know exactly what she is saying to her husband and her friends. That's not the case. This is a large sweep apparently, and her cell phone was among them.
But the larger point here is that you have to understand the damage being done by Snowden because it's not just these -- Snowden's revelations and what he may have given the Russians, he is still over there, what he may have given the Russians is damaging America's national security.
As part of our Tweet, the Panel feature, we got a tweet, which I'm going to ask to you answer, Steve. It's from Stephan Hart. "During his first campaign President Obama said he would change the negative way the world looked at us. Has he succeeded?" And, Steve, how would you answer that especially in terms of the revelations of NSA spying?
STEVE HAYES, SENIOR WRITER, THE WEEKLY STANDARD: No, he has not succeeded. And I would say that the NSA revelations have done some damage, but much more damage has been done by the policies that he has affirmatively chosen and have little to do with the NSA scandal.
I have to say, I'm not at all scandalized by this particular aspect of this. I mean, of course we were listening in. We would be negligent if we weren't listening in. And what troubles me most is that Jay Carney says we won't be doing it in the future. That's what the NSA does to a certain extent. We know that the NSA is going to be listening in on our enemies and gathering intelligence. We want them also to be listening in on our spies. It gives us a strategic advantage, it allows us to compare what was being said in private. I think it's perfectly fine. I hope we won't make commitments that we won't continue to do this in the future because we should be doing this.
WALLACE: OK, Juan, the foreign minister of Germany called in the U.S. ambassador, this would usually be handled at a much lower level. They said this kind of thing is reserved for countries like Syria and Iran. But the foreign minister called in the U.S. ambassador to scold him. All just for show?
WILLIAMS: Of course, because you have to deal with the domestic political fallout, and the idea is that nobody should kowtow to the United States and nobody should say it's OK to spy on us, that they should view themselves as peers to the United States. You said this was a very uncomfortable carpet, I heard you say, Chris. I was thinking maybe they were bare-footed.
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subset: commoncrawl


text:
Intellectual Property and Technology Law
264: Contract Negotiation and Drafting
Credit Hours
The purpose of this course is to provide exposure to contract drafting and negotiation to students with an interest in transactional law. During the course of the semester we will examine the purpose and process of drafting documents. We will also spend time discussing the business side of transactional law and how best to work with and counsel clients. In some instances, we will start with form documents borrowed from prior transactions (precedent) and we will revise these documents to reflect the particular facts and circumstances surrounding our transaction. In other instances we will work through drafting a document from scratch. Finally, we will spend time reviewing and revising existing documents and discussing the logistics of working through a variety of business transactions. The course will include numerous drafting exercises and some negotiation. By the end of the semester, students should have a basic understanding of how and why contracts are drafted and negotiated. In addition, each student should be able to draft a precise and practical document for a basic business transaction. (Dunck)


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Senate Democrats want Gov. Rick Scott to ask the federal government to let families recovering from the hurricane, and who insure their children through the federal and state subsidized KidCare insurance program, to be excused from paying for their KidCare premiums in October and November.
The governor and the KidCare agencies have refrained from asking for a federal waiver, preferring instead to give families who lost jobs, income and homes in Hurricane Irma an extension of the Oct. 1 deadline. As a result, families must make two payments by Oct. 31 in order to make sure their children remain insured under the state and federal program.
Related: State tells parents to 'pay up' or lose kids' insurance if Irma caused missed payment
"Thousands of Florida families were hit hard by the hurricane and are working to get their homes, jobs and lives back in order,'' wrote Sen. Oscar Braynon, the Senate Democratic leader in a letter to Scott.
"Merely extending the time to pay a premium until the end of the month, and then compounding it by asking for a double payment, adds to the financial hardships with which many of them are currently struggling. Given the ongoing emergency situation, these fees should have been waived."
KidCare covers about 160,000 children ages 5-18 and charges most families $15 to $20 a month depending on their family size and income.
After the Herald/Times published a report on the issue last week, the Agency for Health Care Administration said in a statement it would consider "further extending the deadline should the need arise" and "will work with every family to ensure there is NO lapse in coverage due to Hurricane Irma."
Braynon noted the precedent set by former Gov. Jeb Bush in 2005 after four hurricanes hit Florida that year. Bush waived the premiums for families with children in the KidCare program, and pointed to the experience in Texas.
"Texas got rapid federal approval to waive cost sharing and enrollment fees for families enrolled in their children's health insurance program through the end of November,'' he said. "Florida's children are no less deserving of this kind of help."
Last month, Agriculture Commissioner Adam Putnam waived the $55 fee to replace a concealed weapons license, saying at the time that "the last thing someone needs to worry about is paying a fee to have their concealed weapon license or security guard license replaced."
The Department of Agriculture and Consumer Services has since told the Herald/Times that 246 people have asked for waivers and the $3,690 in lost revenue to the state was covered by the $76.7 million balance in the Licensing Trust Fund.
AHCA has not been able to provide a number as to how many families have sought the deadline extension and have not been provided an answer as to what it would cost the state to waive the premiums for October and November for these families.
Photo: Enrique Flor firstname.lastname@example.com


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Things to do in Kamchatka
Our top activities in Kamchatka
Cruising, but not as you
know it
Cruise ships have a bit of a reputation as the bad boys of travel, with the huge ones chucking out CO2 and crushing coral reefs in the wake of their steely gazes, but in the case of the Russian Far East, an untouched environment with virtually no roads and very little infrastructure, expedition cruising is the only way to get up close and personal with Kamchatkas natural wonders. Ditch any preconceptions you may have about cruising an expedition cruise is different: the boat is much smaller; there will be barely a hundred passengers with you, not thousands; the onboard entertainment involves ecology talks and photography tips, and strict itineraries are chucked out the porthole. Cruising in Kamchatka is a journey, not a tour, to a destination that has been neither organised nor commercialised, but has simply been left, a staggeringly beautiful untamed wilderness where travellers must travel on natures terms and not to timetables.
Disembark and discover
Some of the very best of Kamchatkas great outdoors is out of bounds to boats and exploring its inaccessible secrets on foot, by raft, and even by helicopter (an incredible if not very economical option) is a rewarding way to get fully immersed in one of travels last frontiers. Climb up active volcanoes, raft through virgin taiga forest spotting wildlife as you go, or kick back in a bubbling spring and take it all in.
Move over Sir David Attenborough
Wildlife watching in Eastern Russia makes you feel as if youve stepped straight onto the set of an Attenborough doc. Wrangel Island, untouched by glaciers during the last ice age, is a treasure trove of Arctic biodiversity, known for the families of polar bears that breed there and its expert resident mammothologists who are happy to have their brains picked about the regions unique evolutionary status. The island lies near major feeding grounds for gray whales that migrate thousands of kilometres north from their breeding grounds in Baja, Mexico, and also lays claim to the worlds largest population of Pacific walrus. Reindeer, musk ox and snow geese can often be seen further inland and Herald Island may be diminutive, but is a twitchers paradise of massive bird cliffs.
Walk into a land of fire
and ice
Trekking across Kamchatkas almost mythical terrain (think Lord of the Rings without all the fighting and hobbits) brings you right into a land of fire and ice and face to face with the peninsulas jaw-dropping range of volcanic phenomena. Hike across ash fields alive with multicoloured hot summits, explore glacier-flanked volcanoes surrounded by piping fumaroles, bubbling mudpots and belching cauldrons, and hike the perimeters of lakes where footprints left by bears far outnumber those left by humans.
Photo credits: [Cruising: P Game, Heritage Expeditions] [Wildlife: Katya Ovsyanikova, Heritage Expeditions] [Disembark: Einar Fredriksen] [Walk: Fergus Tintiken, Heritage Expeditions]
Chukotka and Wrangel Island cruise, Russia
Authentic Arctic Festival & wildlife including Polar Bears
From US $9500 15 Days ex flights
Kamchatka and Chukotka wildlife cruises, Russia
Explore Kamchatka's stunning Coast, volcanoes, fjords & more
From US $7200 13 Days ex flights
Kamchatka holidays, small group tour
Explore Russias Kamchatka peninsula
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Kamchatka wildlife and bird watching cruise, Russia
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This page will be a semi-regularly updated list of what currently Needs To Be Done – note that it's not the entire list that is in my mind, more the things that I've identified as I've written up notes about kit and impression. There's no particular order to most of this.
- acquire ankle shoes, mainly for harness – ordered and waiting;
re-glue the scabbard chape;
- acquire or make pattens for both my long boots and the ankle shoes;
- make better fitted shirts, preferably with collars;
- trim the front strap on the scabbard;
- add a belt to the mail skirt so it can be worn;
- fix the laces on the coif;
- line the mail standard, or make a scarf;
- acquire or make better gloves for wearing with gauntlets;
- add mail voiders to the arming doublet;
re-glue the three-legged oak stool;
- make a bed-roll;
- make a feasibly speculative polishing kit;
- acquire rope and stakes for a circle for demonstrating in;
- make or acquire a ground sheet for both tents;
- make some extra hand napkins;
- possibly add some extra points to the blue hose.


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|03 Jun 2010
Laptop power supply query
Yesterday my laptop's power supply blew I sent it in for repairs and was told that it would take 10-30 working days!! Yikes! Big question: can I use my wife's power supply in the meantime? My one had an output of 19V 4,72A 90W while hers has an output of 18,5V 3,5A 65W.
Is this do-able?
|My System Specs
|03 Jun 2010
90 watts is standard so if the plug fits it should work.the amount of volts may be different look at ur power input on ur laptop it should say the voltage. u can also buy universal power supplys for laptops so u dont have to wait.
|My System Specs
|03 Jun 2010
Win7 x64 Ultimate SP1
Are you talking about the external transformer/power supply? Usually if the plugs match and it the same brand it should work.
|My System Specs
|03 Jun 2010
Yes I am talking about the external power supply/transformer. The plugs match all right but what concerns me is the different outputs of the units - see my first post.
My power supply (the one that blew) was only purchased 1 1/2 months ago so I don't want to go forking out money for a new one just yet.
|My System Specs
|03 Jun 2010
Windows 10 Pro x64 x3, Ubuntu
As the rating of your wife's PSU is lower than your original one - you should be safe at least.
The issue is the current draw on the PSU from the actual laptop when it's in use - I would say that for charging purposes only you should be fine.
As for running the laptop on mains I would be more worried. If the laptop drew more current than the PSU is capable of providing then I could cause damage to the PSU. Over heating would be a potential issue too.
Whilst saying this the ratings are similar and there is normally an allowance in rated capacity so you should be OK
|My System Specs
|03 Jun 2010
Windows 7 Ultimate 64bit
Buy a universal one that is compatible with both laptops and use that till you get yours back and then save the universal so if yours or hers fail you have one.
The main risk you have of using hers is that her power supply can possibly overheat and die when powering your laptop.
|My System Specs
|03 Jun 2010
Win 7 Pro x64/Win 10 Pro x64 dual boot
That will tax her supply heavily, since hers supplies 25 rated Watts less than yours, and it could damage it. 25 Watts is not a small difference in power. It's a substantial difference. As mentioned, I would pick up a universal supply with the same specs as yours and keep it as a spare afterward. You can always use a big supply for a small laptop, but going the other way isn't really a good idea.
|My System Specs
|04 Jun 2010
Thanks everyone for your replies.
|My System Specs
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Signature Windbreaker
Tommy Hilfiger men's coat. Stadium side, or country side, gear up in our waxed cotton twill coat. Resistant to wind and water, it's a sporty outer layer that works with whatever the outdoors has in store for you.
• Regular fit.
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• Zip closure, side pockets, drawstring hood, quilted lining, logo at chest and arm.
• Damp sponge wash, hang to dry.
• Imported.
SHIPPING INFODetails
Most items are shipped from our warehouse within 1-2 full business days except where otherwise noted. Shipping restrictions may apply.
We accept online returns within 30 days of shipping confirmation, and online returns from Canada within 40 days of shipping confirmation. In order to process your return, items must be unworn and tags must be attached. Items marked Final Sale are not eligible for a return, refund or credit.


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Evolution of Pullups
October 11, 2010
Today I'm going to show you the evolution of pull-ups, going from a beginner style to the hardest kind you can do. If you are new to pull-ups and cant do any actual pull-ups, you want to start with an inverted row. You will be underneath a bar and rowing your chest up to the bar. It's a great way to start.
You can do a beginner version of inverted rows by bending your knees. Hold onto the bar with an overhand grip. Keep your hips up and pull your chest up to the bar. Squeeze your shoulder blades at the top. This will help strengthen the muscles between your shoulder blades, the back of your shoulders and your lats.
Once you are a little stronger, you can straighten your legs out, switch to an underhand grip. This will work your biceps more. For underhand inverted rows, you will have more of a narrow grip and pull your chest to the bar.
Next well switch back to an overhand grip and back to a wider grip. This is back to working the muscles at the back of the shoulder blades and between the shoulder blades. You can put your feet up on a stability ball to give you more of a challenge.
Those are all inverted row variations to get you started.
Next are assisted pull-ups and chin-ups. You need to take the bar of your squat rack and set it up about head height. You will be doing the pull-up and chin-up movement, but you will still be standing on the floor. This is for beginners as well. Simply work as much as possible with your upper body while using a little bit of assistance from your lower body. Squat down and use your arms and back as much as possible to pull yourself up. Use as much of your legs as you need to assist you. Use an underhand grip if you are doing chin-ups and an overhand grip for pull-ups.
By doing this, it will get you used to the motion of the actual exercise. Pull downs on the machine are ok, but these exercises are going to be better and will help you build pull up and chin-up strength.
Now we can move into the negatives pull-ups and chin ups. This refers to the lowering phase of them. You can do these if you still cant do a pull-up or chin-up yet. Youll want to work your way up so that lowering phase is at 10 seconds. Once you can do this, you are very close to being able to do a pull-up or chin-up.
Use something to boost you up to the bar. You are going to jump up and take 10 seconds to lower yourself down. Get back up on the riser and do another one. If you are a beginner, a 3 second count on the way down is a good place to start. If you cant do the 3 second count, then you need to go back to an easier style until you are strong enough to do these. You may need to go all the way back to pull-downs.
One thing I like to do with pull-downs is to kneel in front of the machine rather than sitting down. This keeps your body in a straight line.
So now you can do a full chin-up and pull-up. The underhand grip of a chin-up is easier than a pull-up. There is also another style called a neutral grip pull-up which is as easy as a chin-up. When you are doing these, your palms will be facing each other. Pull-ups are an overhand grip and your hands are a little wider apart. I wouldn't recommend going all the way out to the end of the bar, just slightly wider than shoulder width is good.
Finally, there is a variation called a sternum pull-up. Get into an overhand, wider grip and lean back as you pull-up. There are many variations of doing pull-ups you can do, but that is the evolution of pull-ups by starting with inverted rows in a beginner phase all the way to doing your first full pull-up. By doing these, you are going to get stronger and get that beach body with a "V" taper shape.
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7 Ways to Collect Higher Option Premiums (Part 2)
In your email lesson from June, we covered part 1 of this lesson, the first 3 ways to collect higher option premium. To review, they were:
- 1. Sell Naked Options
- 2. Sell Strangles
- 3. Sell Closer to the Money
If you missed this lesson and video in your inbox, you can still view it here >> 7 Ways to Collect Higher Option Premiums (Part 1) <<
Part 2 covers four more ways you can collect higher premiums in your portfolio. While some of these are a bit more advanced, you will find them to be equally effective.
Let's get Started.
4 More Ways to Collect Higher Option Premiums
4. Sell more time
In our opinion, this is a more conservative method of collecting higher premiums than #3. But effective. So effective, in fact, that we've made it one of the core components of our FUDOM option selling method, used exclusively in our managed portfolios for private clients. It's a fact that the more time left on your option, the higher premium you can collect. The tradeoff is that you have to wait longer for the option to expire. Many traders do not have the patience for this. Others feel that selling more time allows a greater window for something to "happen" in the markets. If you want to reduce the chances of something "happening" to your position, know your fundamentals. Sharp moves can happen in any market. However, they are less likely to happen in markets where fundamentals do not support them. Selling more time can be a slower but steadier path to higher returns.
5. Sell Volatility – Fade the News
It's not secret to most any option seller that higher volatility means higher premiums. Volatile markets bring in more speculators who not only drive prices in the underlying, they buy options. This means more demand. With more buyers clamoring for the options, premium for the options goes up. Typically, as an option seller, this will mean opportunities for you. This is not to suggest you should sell in front of runaway, breakout moves. However, a spike in volatility often makes the "ridiculous" strike prices that we refer to in The Complete Guide to Option Selling, 3rd Edition, temporarily available to option sellers. People (investors are people), tend to get carried away or lose their heads in the excitement of fast moving markets. As an option seller, you can use these situations to your great advantage.
The days or weeks following a spike in volatility can often be a great time to sell options. A good example is after a surprise report or news event. James talked about this a bit in the June Option Seller. An unexpected number comes out and prices of the commodity in question must adjust to reflect the new numbers. This is often (though not always) done quickly – over a period of 1 to 3 trading sessions. After that, the market has often "priced" the new number and trading resumes as normal.
It is not uncommon for the options to "price in" the most extreme possibility in the first day and then adjust its value lower – even as the price of the underlying continues to move towards it. These can be ideal conditions for collected fat premiums – again, however, only if you know the fundamentals.
Other types of volatility surges, such as weather or geopolitical events are more fluid and require more caution. Reports are solid and the market can adjust to them quickly. Weather and geopolitical news is constantly changing and thus, selling options in weather or "fast news" markets can get dicey, especially for beginners.
Selling premium against news events can be a good way to collect large premiums. The market often (but not always) prices the effects of an event within the first few days of its occurrence. Options can sometimes far overprice the effects of an event.
Many old time traders favor the "Wall Street Journal Rule." If a commodities story makes the front page of the Wall Street Journal, it's time to fade the story. It's not a guaranteed strategy, of course. As a rule, however, fade the news. Selling options against the hype can be a good way to get big premiums.
6. Leg out of Credit Spreads
Since the title of this column is not "How to run the most effective, risk adverse option portfolio" we will refrain from preaching the merits of credit spreads and instead offer just a brief tip for increasing your premium from them. A credit spread involves selling an option (or group of options) and then buying another option of lesser value to protect or "cover" your short option. Many sellers of credit spreads simply put them on and let them expire, keeping the "credit" (the difference between the two options) as profit. There is nothing wrong with this and it can be a conservative way to build a portfolio. However, to squeeze a bit more profit out of your credit spread – try this: Sell your protection early.Once the short options in your credit spread have decayed by 70-80-90%, the risk in them drops accordingly. This can be a good time to sell your protective option(s) back to the market. Obviously, they will have decayed as well. However, you will recapture some of the premium you paid for them. This can boost your overall return on the spread.
7. Enlist the Help of a Professional
Option trading on commodities is one investment vehicle where using a floor trader in the pit can still offer you an advantage. While floor traders are gradually being phased out in both stocks and commodities, there are still some markets where they remain available and effective. Limit orders placed on commodities options through electronic markets can often sit unless a trade actually takes place that "triggers" a fill. In other words, it has to be filled. Floor orders are actively worked by brokers. And if your limit order does not get filled, a floor broker can give you an "active" bid/ask – something that does not always show up on an electronic screen. This is especially true in placing larger orders which floor brokers are very motivated to fill. A good floor broker can sometimes work the order for a better fill. More importantly, they can sometimes get filled on a ticket that might be overlooked in the electronic market.
A professional trader or manager (off floor), on the other hand, can sometimes give you the benefit of economy of scale. If you're using a fund manager, he may be placing orders for all of his clients at once. Thus, instead of working your order alone for 5 or 10 contracts, he may be selling 500 at a time. These orders tend to get attention whether placed on the floor or electronically. Experienced fund managers often work through their own network of floor traders as well.
In addition, a professional's skill at reading "between the lines" on bid/ask spreads, working the order itself, and judgment in timing (sometimes its better to wait for another day) may be superior to your own. This alone could result in higher premium for you.
A final word
Collecting the biggest premiums is not necessarily always congruent with having the best return at year's end. To successfully manage your option selling portfolio, you must balance premium collection with responsible risk management. Each of the items listed above can indeed boost your premiums. However each also comes with its own unique risk of implementing it. Any one of these methods will not be right for every situation. These are a list of strategies and tools you can use. How you apply them will determine your ultimate performance.
If you are a high net worth investor and would like to learn more about selling options as a core investment strategy, you can request a FREE COPY of our Investors Guide to Selling Options: How to target outsized returns, gain real diversification and achieve investment peace of mind in any type of market. To get your free copy, go to www.OptionSellers.com/Booklet.
For more information on managed option selling accounts with OptionSellers.com, visit www.OptionSellers.com/Discovery or call 800-346-1949 (813-472-5760 International) to schedule a consultation. Consultations are limited and a pre-application is required.
James Cordier is the founder of OptionSellers.com, an investment firm specializing exclusively in writing commodities options since 1999. OptionSellers.com offers managed option selling portfolios starting at $250,000 minimum investment. James' market comments are published by several international financial publications and news services including The Wall Street Journal, Reuters World News, Forbes, Bloomberg Television News and CNBC. Michael Gross is director of Research at OptionSellers.com. Mr. Cordier's and Mr. Gross' book, The Complete Guide to Option Selling 3rd Edition (McGraw-Hill 2014) is available at bookstores and online retailers now or at a special discount through the OptionSellers.com website.
*Price Chart Courtesy of CQG, Inc.
***The information in this article has been carefully compiled from sources believed to be reliable, but it's accuracy is not guaranteed. Use it at your own risk. There is risk of loss in all trading. Past performance is not necessarily indicative of future results. Traders should read The Option Disclosure Statement before trading options and should understand the risks in option trading, including the fact that any time an option is sold, there is an unlimited risk of loss, and when an option is purchased, the entire premium is at risk. In addition, any time an option is purchased or sold, transaction costs including brokerage and exchange fees are at risk. No representation is made that any account is likely to achieve profits or losses similar to those shown, or in any amount. An account may experience different results depending on factors such as timing of trades and account size. Before trading, one should be aware that with the potential for profits, there is also potential for losses, which may be very large. All opinions expressed are current opinions and are subject to change without notice.


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I noticed in the new members section that there are some people going to be @ FanFair in Nashville this year.
So - who else but me will be there??
10 weeks and counting down
Malinois wrote:I'm already excited!!!!
Also on my list: Billy Yates' Countriest of the Country show, Wednesday late afternoon.
When will you be in nashville, foot-tapper?
helsbels wrote:I'll be there!! I arrive May 31st for 10 days, can't wait!!!! Might not come home this time
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We at End Of Tenancy are proud to offer efficient start of tenancy cleaning and post tenancy cleaning – always performed by a professional team of reliable Pudding Mill Lane employees, exclusively using the most advanced, eco-friendly and gentle for human and animal health cleaning equipment and products. The various professional cleaning products of the highest quality which we have tested and are remarkable with their high efficiency, safety and sustainability, are the ones we have approved for use in our cleaning activities in order to achieve one of our goals – to meet and if we are lucky – to exceed your cleaning requirements. We are constantly trying to work with exclusively green cleaning methods and techniques, since we are an environmentally conscious company. These methods rule out the use of toxic and aggressive substances and replace them with their eco-friendly alternatives. We believe that our style of work can raise awareness and send a good message and protect our customers' health from various dermatological and respiratory problems, associated with toxic chemicals, with our significant number of cleans per year. End Of Tenancy also invests in the latest environment-friendly professional cleaning machines.
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Copyright © 2018 endoftenancy.com
By making a booking through this website you agree to be bound by the terms and conditions.


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AngularJS / Javascript Programmer
Bütçe $3000-5000 USD
We are looking for a developer with strong UI / front-end dev skills. We have a UX Architect working in the design of various web apps that need a rich-UI, with menus, GIS maps, data grids, data selection tools, tool panels, all running with a Java REST API. Please bid if you are a Senior Javascript developer and have such strong and proven skills. We shall assign a mockup for you to complete, and depending on how it goes we may assign full project. There are about 15-25 renderings depicting the functionality of the app.
Bu iş için 37 freelancer ortalamada $3929 teklif veriyor
Hi there we had already bid on your project id is 8474871. This is shree from changepond, we noticed that you are looking for dedicated senior JavaScript developer along with Angular skill sets to work for your curr Daha Fazla
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1. Tours Site + Booking Module We already designed and developed a complete portal for online tours listing with complete online bookings of tours with departures and much more other things in a complete cms based sol Daha Fazla
Hello , I'm a developer with over 6 years experience, I have a lot of experiences with Angular.JS. And there are all of my programming skills : *Front-end skills: - HTML, HTML5, XHTML, JSON - JAVASCRIPT ( Daha Fazla
You can PM me the details for the mockup. I would also need to see the renderings before I can finalize my bid. Regards
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Hi I have gone through your project description. We are interested in possibly building a relationship with your organization and we have good working experience in Angular.js, Javascript,MySQL, PHP, Wordpress,etc.. Daha Fazla
Greetings, Thanks for the opportunity. AIS Technolabs (Expert UI/UX Designers ) is a dedicate team with over 5 years' experience and a strong workforce of 240+ Professionals. Understanding: Based on my f Daha Fazla
A proposal has not yet been provided
Dear Sir, This is Sikander. I am having 14+ years of experience in software development and I am ready to start this job. Please discuss with detail project specification, So I can give you exact time frame and budg Daha Fazla
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Hello sir....... As you are looking for senior level developer.I have more than 6 years of experience and i will provide you full functionality you need. You can test me on chat. I have all the skills you need. I am Daha Fazla
I am Web GIS programmer and already have done many Web GIS UI using Javascript API. You can see my freelancer profile is showing vast experiences of previous 40 Web GIS UI Projects. Please see my previous Web GIS Javas Daha Fazla
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Hello Employer , Thanks for posting the Job related to my skill and i have gone through I am writing in response to your job posted "Website development and designing." I am working as a freelancer for las Daha Fazla
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The Securities and Exchange Commission has begun sending letters to public companies that fail to file their financials with all the necessary data using Extensible Business Reporting Language technology.
The SEC began requiring the largest public companies to file their financial statements using XBRL in 2009 and phased in the requirements for smaller issuers over the next two years. XBRL technology uses a data-tagging format that is supposed to make it easier for investors and analysts to compare financial information across companies and industries. Problems with the technology and the inconsistency of the tags used by companies have limited XBRL's usefulness to many investors, however.
Nevertheless, the SEC has continued to work with vendors and companies on refining the tags and with the Financial Accounting Standards Board on regularly updating the XBRL taxonomy to adjust for any changes in U.S. GAAP. This month, the IRS's Division of Corporate Finance started sending letters to corporations that have not been meeting the mandate.
"As you know, our rules require that you file an exhibit to certain of your filings that includes your financial information in eXtensible Business Reporting Language," said the letter. "Our rules also require that you include calculation relationships for certain contributing line item elements for your financial statements and related footnotes. Through our selective review, we have noticed that your filing does not include all required calculation relationships."
The SEC warned companies not to jump to conclusions just because they had received an acknowledgment from its EDGAR online database of financial filings. "Acceptance of your filing by EDGAR does not mean that your filing is complete or in compliance with the Commission's requirements," the letter continued. "We ask that you, in preparing your required exhibit with XBRL data, take the necessary steps to ensure that you are including all required calculation relationships."
The SEC asked issuers to refer to Chapter 6, Sections 6.14 and 6.15, of the EDGAR Filer Manual for information about the XBRL requirement, along with other guidance relating to the structured data-filing requirements on the SEC's XBRL site. Companies can also contact a help desk at (202) 551-5494 with any questions about the structured data-filing requirements.
A group of technology companies and accounting firms that support XBRL, known as the Data Transparency Coalition, said they welcome the SEC's enforcement of the XBRL reporting requirements.
"The SEC's failure to enforce the quality of structured-data financial statements has prevented investors, markets, the agency and companies from realizing the benefits of open data," said Data Transparency Coalition executive director Hudson Hollister in a statement. "The agency's progress toward transforming its whole disclosure system from documents into open data has stalled."
The coalition noted that the SEC systematically reviews the document version of each financial statement for potential errors and issues, but does not apply the same quality control to the structured data version. Beyond the financial statements, the SEC uses hundreds of document-based forms to collect other information from companies, mutual funds and financial firms, with no structured data collected at all, the coalition pointed out.
It noted that errors are rampant throughout the SEC's XBRL data set, as documented by Calcbench and TagniFi.
Other members of the coalition include PricewaterhouseCoopers, Teradata, Workiva, RR Donnelley, Level One Technologies and BrightScope.
The coalition argues that accurate structured data would bring the benefits of open data to investors, markets, enforcers and the companies themselves.
"XBRL financial data, if made reliable, would help investors make better decisions, allow the agency to use analytics to find accounting fraud, and provide an opportunity for public companies to automate compliance tasks," said the group. "In addition, as analysts' coverage costs drop, they would be able to cover more companies—helping smaller companies get more attention from investors."
The Data Transparency Coalition is urging the SEC to apply better quality control to the structured-data financial statements it receives from public companies. It pointed out that a bipartisan group of lawmakers in Congress has been actively pressing the SEC on the issue as well, with House Oversight Committee chairman Darrell Issa, R-Calif., calling on the agency to begin enforcing the quality of XBRL data. Rep. Mike Quigley, D-Ill., and Rep. Keith Ellison D-Minn., have asked why the agency had not begun to enforce the quality of XBRL data. Until this week, the SEC had never taken any action, according to the coalition.
"We are pleased that the SEC has finally begun enforcing the data quality of the XBRL financial statements it collects from public companies," said Hollister. "Open data can improve accountability to investors and markets, open data can support analytics to uncover accounting fraud, and open data can allow compliance to be automated—but only if the agency ensures the data is reliable."
The group noted that while the SEC letter is a positive step, it is only a first step. "The agency must treat the structured data version of each financial statement with the same care it applies to the old-fashioned document version," said Hollister. "Ultimately, we hope the SEC will eliminate the current duplication and collect a single submission from public companies—one that is both human-readable and machine-readable. The SEC should also re-start its stalled transformation from documents to data by adopting data standards for all the information it collects under the securities laws."
The coalition said it supports the reintroduction of legislation known as the Financial Industry Transparency Act, which would require all U.S. financial regulators to replace documents with structured data throughout all the information they collect under the securities, commodities, and banking laws. Two months ago, the coalition celebrated President Obama's signature of the Digital Accountability and Transparency Act, which mandates a similar transformation for the federal government's own spending information.
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The Scramble for the Horn
Evelyn Waugh, who passed through Djibouti on his way to the coronation of Haile Selassie in 1930, when it was still a French colony, said that no one voluntarily spends long there. But it's the only major trading port on the 4000 miles of coastline between Port Sudan to the north and Mombasa to the south, as well as being strategically situated on the Bab al-Mandab Strait, the narrow entrance to the Red Sea and a choke point on one of the world's major shipping routes. The coast of Yemen is just twenty miles away. Pirates based in Somalia attacked more than 150 ships in the Gulf of Aden in 2011, costing international trade over $6 billion; the threat has been reduced but large freighters were taken in March and April this year.
The French have kept a military base in Camp Lemonnier since independence in 1977 – the air base was set up in 1932 – and it is now their largest outside France, with armour, artillery and nearly 2000 troops. In 2002 they were joined by a US base, from which F-15 strike aircraft attack targets in Yemen. Around 5000 US troops live in CLUville, long rows of Containerised Living Units. In 2013, after a hellfire missile crashed in the town, the US moved their drone operations, the largest outside Afghanistan, to a second base seven miles away.
In 2011, Japan established a base in Djibouti for anti-piracy operations, with 200 personnel and two maritime patrol aircraft. Turkey has built a military base in Somalia capable of training more than 1500 troops at a time. In February this year, the Somaliland parliament approved the establishment of a UAE naval base in Berbera, 150 miles south of Aden; Somaliland, a former British protectorate, declared independence from Somalia in 1991 but is not recognised internationally. Berbera will be the UAE's second base on the coast – it already has one at Assab in Eritrea – and will soon be operating fighter jets. The UAE also conducts 'intensive military training' on the Yemeni island of Socotra, 150 miles east of the Horn. Socotra is notoriously inaccessible; when I went there in the 1960s it was in an RAF Blackburn Beverley, an aircraft capable of landing in thick bush. Saudi Arabia is expected to start work on a military base in Djibouti shortly.
China has already invested heavily in a commercial port and a railway to the Ethiopian interior, and is now constructing a military base in Djibouti. On 12 July, two warships sailed from China for the Horn: an amphibious transport dock that can carry 800 troops, helicopters, landing craft and armoured fighting vehicles; and a semi-submersible that can carry hovercraft, transport heavy equipment and repair damaged ships at sea.
Notable absentees are the UK (which has a naval base in Bahrain), Russia (with a base at Tartous in Syria), India (with a base in the Seychelles) and Iran.
Why all this international military activity in the Horn? All the states with bases there have an interest in guarding the entrance to the Red Sea and fighting piracy. China needs a base somewhere in the Middle East if it is to have a 'blue-water navy' (i.e. one capable of operating globally). It's also a base for war operations, for Saudi Arabia and the UAE in Yemen, and for the US in Yemen and Somalia.
For Djibouti and its neighbours, it's all about money. The Americans pay $70 million a year in rent and China $20 million. Djibouti isn't much larger than Wales and its population is under a million.


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Degan, Herbert
Oral History Session #1
Date:March 9, 2010
Place:Cedar Grove, New Jersey
Sandra Stewart Holyoak
Joseph Dalessio
Transcript Production Team:
Domingo Duarte
Edisona Hysenaj
Brittany Lisowski
Shaun Illingworth
Recommended Citation:
Degan, Herbert Oral History Interview, March 9, 2010, by Sandra Stewart Holyoak and Joseph Dalessio, Page #, Rutgers Oral History Archives. Online: Insert URL (Last Accessed: Insert Date).
Herbert Degan was born in 1916 in New York City. He was educated at Johns Hopkins University from 1933-1937, receiving his degree in Electrical Engineering. In 1942, at the age of 27, Mr. Degan joined the Army Air Corps and became a pilot, eventually flying B-17s in the ETO. During his time in the service, observed the Nuremberg Trials and earned the Distinguished Flying Cross. After the war, Mr. Degan used the GI Bill to purchase a home, and worked as an electrical contractor and sales engineer.


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Our Cancer Pledge
Extensive cover and support is vital during a person's cancer treatment.
When someone is diagnosed with cancer, their whole world changes. Cancer Research UK has stated that one in two people will develop some form of cancer during their lifetime, so we understand the importance of providing your clients with the cover and support they need if they're diagnosed with cancer.
To help you support and answer any questions your client may have about cancer, please see our cancer information page.
As one of the market leaders in health insurance we're always looking to provide improved levels of cover and support for your clients, that's appropriate and helps them cope with this condition. That's why we continually review our cover to make sure we provide your clients with the best cancer care possible.
An example of this included within our cancer pledge is that even if your clients decide to downgrade their cover with the 'reduced out-patient' option, we won't apply any of the specified limits to any cancer treatment received after cancer has been diagnosed.
You'll find our cancer pledge on all our customer facing cancer cover material. It's there to help you support your clients.
Our cancer pledge
We understand the importance of providing extensive cover and support at every stage of cancer treatment and palliative care your clients need, as recommended by their specialist. We also want to make sure that things are as comfortable as possible for your clients following their cancer treatment, so we'll provide extensive cover for their aftercare, including consultations with a dietician, as well as money towards prostheses and wigs.
Read more about our cancer pledge in the pdf below. This document can be used with your clients to show the in-depth cancer cover we're proud to provide as part of our healthcare policies.
Cancer care – using Aviva's clinical expertise
Unsure what would happen if your clients needed to make a claim? We're here to support you, when they need advice.
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Written on Nov 25, first day in Jeddah.
2:36 pm
Last night the two guys were are traveling with (Mohammed, an IBM employee from Dubai and Phil, and IBM employee from Victoria) decided to go into Jeddah for dinner. Tracy wasn't feeling well and I wasn't sure I wanted to go without her, but I went ahead and did it. I wanted to see the actual city and Mohammed is a very easy person to travel with. So off we went.
We ate at a seafood place, my first seafood since arriving here, and when we walked in the restaurant we were greeted by a display full of ice and fresh fish and shellfish. You picked the fish you wanted, how you wanted it prepared, and then went to your table. Mohammed ordered for us – we had calamari, huge prawns and I had fried hamar (not sure of spelling). It was excellent.
We got back to the resort at about 10:30 and I slept soundly until about 7:00, then snoozed until 8:00. My first sleep in. It was lovely.
I ventured in for another snorkel this morning and got up my nerve to go in the deeper area. More fish, and more colourful coral. Mohammed came with me and he said the sea life was as good as the dive they'd done yesterday.
We have a few minutes before we are leaving the resort. The plan is to have dinner in Jeddah and then head to the airport.
I have really enjoyed the leisure time, but it gives me more time to think about Greg and the kids and how much I miss them. I've still got five more long days before I head home. This morning I pulled a hair elastic of Amy's out of my pocket and it almost made me cry. It will be good to be home, no question.
This was the last post I wrote while I was away. The problem with posting after the fact is it seems like a long time ago, and with the time of year I've since got caught up in other things. I will see if I've got some content for a wrap up post.
I think if I go again (there is a tentative trip planned for March), I will post while I'm there.