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California Business Insurance
California Business Insurance
Our insurance agency is here to help you and your business. From requesting a quote on your Business or custom package that fits all of your needs, we're your one-stop shop for all things Business Insurance-related.
Business Owners Insurance Policy California (BOP):
This is a combined policy where property insurance and liability insurance are packaged together at a cost savings for small businesses.
Commercial Property Insurance California:
This policy is meant to protect the building and other business property that you own or lease. Note that equipment insurance is typically a separate policy.
Commercial Auto Insurance California:
This policy covers you, your employees and company vehicles for injuries and damages, whether the vehicles are leased, owned, or rented. Passengers are also covered.
Business Vehicle Insurance California:
If you use your own car for business purposes, discuss this with your agent. Many personal auto insurance policies exclude coverage if the vehicle involved in an accident is used mainly for business. A business auto policy provides coverage for autos owned by a business. The insurance pays any costs to third parties resulting from bodily injury or property damage for which your business is legally liable, up to the policy limits. Depending on what kind of coverage you buy, the insurance may pay to repair or replace your vehicle because of damage resulting from accidents, theft, flooding and other events.
Directors and Officers Liability Insurance California ("D & O"):
If the directors or officers of a company are accused of wrongful or negligent acts, this coverage can protect the company's financial assets from legal settlements and the cost of legal defense.
General Liability Insurance California:
This policy will protect businesses from most situations where the company could be held liable for bodily injury or property damage. It does not include commercial vehicle or professional liability coverage, which are covered separately.
Marine Insurance California:
This coverage provides protection for company equipment or goods in transport. It also provides coverage if the vehicle transporting the goods is damaged, and provides liability coverage for third parties. You can choose between ocean marine coverage and inland marine coverage.
Workers Compensation Insurance California:
This policy will provide compensation for an employee's medical bills, lost wages, rehabilitation and disability coverage in the event of a work-related illness or injury.
Rider or Endorsement California:
Also referred to as an endorsement, this is an addendum that will alter or enhance the current policy's terms. For example, you may be able to add an equipment rider to your property insurance to protect your equipment.
Named Peril Insurance California:
An event or hazard that is listed as covered on your business insurance policy, and will be covered if it occurs.
What Is Liquor Liability Insurance California?
Any business that sells or serves alcoholic beverages, including restaurants, nightclubs, and bars, can be held liable for damages or injuries caused by intoxicated patrons. This can include damages that result from fights, careless behavior or even automobile accidents. While it may seem logical to place the blame fully on the individual who perpetrated these acts, the establishments that allowed them to become intoxicated are also held largely liable and can be sued for exorbitant sums of money, particularly if resultant injuries are severe or fatal.
Fortunately, you can protect your business from large financial losses with a liquor liability insurance policy. These policies are sometimes included with general liability coverage in some business insurance policies, but most often they need to be purchased separately as stand-alone coverage or as a business policy endorsement.
Types of Business Insurance You May Need in California:
The most common types of business insurance coverageinclude:
- General liability insurance
- Commercial property insurance
- Commercial automobile insurance
- Workers compensation
Your specific situation might also require that you purchase additional coverage to match your business risks. The additional coverage types you may need will depend on the nature of the work you do. For example, they might include the following:
- Professional liability insurance
- Product liability insurance
- Business income insurance
- Cyber liability insurance
- Business interruption coverage
Some companies also offer business owner policies, or BOPs, which encompass two or more types of business insurance in an affordable package.
Transportation Industry Insurance:
Transportation industry covers a broad range of businesses with unique commercial insurance needs. Truck owner-operators and fleets, school and private bus lines, limousines, couriers and ambulances all encompass the transportation service industry that serves customers and businesses all over the United States. When it comes to insuring each of these facets of transportation services, most business owners look to the expertise of insurance brokers that can assist in determining the type and amount of insurance that will provide the most protection to these vital companies.
The following insurance options form a foundation for transportation insurance needs and should be part of every insurance protection program.
The trucking transportation industry spans from individual owner-operators to large private fleets for hire. Truckers need commercial auto liability to cover any accidents on the road. Commercial truck insurance will pay for property damage, bodily injury and medical payments. It also includes comprehensive and collision coverages along with cargo insurance to protect a trucker's load in case of spills, spoilage or damage. General liability insurance is also available for protecting trucking companies from claims and lawsuits by customers or other third parties in the event of an injury or damage to other's property. Certain truck companies need umbrella liability to provide added coverage over and above the standard general liability. This excess liability can be anywhere from $1 million to $8 million.
Public Transportation
While trucking transportation is primarily concerned with moving freight loads across the country, public transportation moves people. Public transportation insurance covers school buses, charter buses, limousine services, social services and day care vans. Public transportation services require commercial auto liability with higher liability limits in the case of accidents that hurt multiple people. This coverage is in force to protect passengers and drivers when injured. They also utilize general liability insurance in case of claims or lawsuits for damage to other people's property or injuries.
Commercial Transportation
Commercial transportation companies also utilize comprehensive insurance programs to protect their drivers, riders and property. Commercial transportation companies encompass emergency service vehicles such as ambulances and hospital vans, driving schools, retail drivers, health care and contractors. Commercial auto fleet insurance with liability and physical damage coverage gives these companies the needed coverage to pay for injuries and property damage caused by the operation of the vehicle. Garage keeper's coverage is often needed as well to protect customer cars parked or used on company premises.
Restaurant Insurance:
Commercial insurance protects the restaurant and food industry from the many potential risks that accompany this line of work. No matter the restaurant's size, every business owner experiences difficulties that can ultimately result in claims or lawsuits. Broken equipment, kitchen employee slip & fall injuries and a host of other potential accidents are just a few of the many unexpected issues that arise during the course of working with the general public and employees. Having the right amount of insurance protection in place can mean the difference in keeping a company in business when faced with a large lawsuit seeking a substantial monetary award of damages.
But what exactly do restaurants and other food related service companies need when it comes to insurance protection plans? While each individual company must customize their coverage to best suit their own needs, there are common types of insurance that all will need in varying amounts or policy limits.
General Liability Insurance
General liability insurance is one of the two most common types of commercial insurancethat companies need to provide the kind of protection necessary in today's litigious society. The second most common type is general property insurance. Liability coverage protects businesses from lawsuits and claims resulting from injuries and damage to other people's property. For restaurants, liability insurance will cover such customer claims as food poisoning or accidental slip and fall injury on a wet floor.
Property Coverage
Of all the different insurance policies available for restaurants, property insurance is another must have coverage. If a worker forgets and burns something on a stove top thus igniting a fire in the kitchen, property insurance pays to repair the damage. This insurance coverage is available to cover all sorts of potential risk such as fire, theft, explosion, flood and earthquake. It will cover not only the actual building but all of the contents as well meaning that furniture, fixtures and supplies are also protected.
Liquor Liability Insurance
Those dining establishments that carry a liquor license are typically required by state law to obtain liquor liability insurance. This vital coverage will protect business owners and their companies from legal liability for customers that drink a little too much and hurt themselves or someone else - including if they drive while intoxicated.
Food Contamination Insurance
Food and supplies are the lifeblood of every restaurant. When storms or loss of power interrupts important electricity to freezers and walk-ins, the power outage can also cause food to spoil. This important type of insurance protects business owners by paying to replace spoiled food.
Workers Compensation Coverage
Most states require that companies with employees carry workers comp insurance. This insurance will cover workers who are injured on the job by paying for their medical expenses and any lost wages as a result of temporary or permanent disability.
Business Income or Interruption Insurance
When an unexpected event happens - like a flood or fire - many companies must close while repairs are made. Business interruption insurance provides a safety net to restaurants so that should a temporary shutdown be necessary, the bills can still be paid.
No matter the event or accident, restaurant insurance is a must. Business owners should review these coverage types with an insurance broker to gain insight into what policies would be best, and then determine the right policy amounts necessary to provide the best insurance protection to meet business budgets.
Beauty Salon, Barber Shops, and Spa Insurance:
Beauty salons, barber shops and spas all have unique insurance needs for protecting owners from lawsuits, property damage and theft. Insurance coverage is available to protect every aspect of the company including the owner, property and employees. There is no one size fits all insurance coverage so before purchasing policies, business owners need to understand about the different types of insurance available for the beauty industry. Armed with that knowledge, companies can make the right choices for insurance protection.
Professional Liability Insurance
While not a required insurance coverage, professional liability provides important coverage for salon and shop owners. If someone is upset by a haircut style, the wrong hair color or accidentally receives a cut from a razor, they may choose to sue the stylist or shop owner. Professional liability insurance protects companies from mistakes by paying for legal defense costs and any damages or awards by the court.
Commercial Property Insurance
Business property coverage protects business owners from damage to both the physical building and property inside. Property insurance covers specific perils such as fire, theft, vandalism and wind. Salon and barber shop owners need to purchase this coverage to protect their equipment, furniture and fixtures from damage. Landlord property insurance will not cover business tenant personal property so if salon owners rent their space, it is vital to purchase property insurance for contents.
Business Income and Business Interruption
When a salon or spa is damaged by a covered event such as fire, business income and interruption insurance work together to help shop owners continue to pay the bills while the establishment is being repaired or rebuilt. Because there is loss of income during this time, the business income insurance will cover the loss of salary due to the salon's closure. Business interruption reimburses business owners for fixed costs like rent/mortgage and utilities - those expenses associated with keeping the storefront opened.
General Liability
Most businesses in today's business world find general liability a necessity. Liability insurance covers injuries or damage caused to other people's property. In a salon situation, a client may trip over something in the store and break an arm. General liability would pay for medical expenses and any court awarded judgment or settlement if the business owner is held financially liable.
Having the right insurance in place for unexpected accidents and risks will protect the significant amount of time and money invested in salons, barber shops and spa businesses. For expert advice on choosing the right type and amount of coverage, an insurance broker can make appropriate recommendations for the insurance most needed in the hair & beauty industry.
Federal Truck Filings and Forms
The following federal filings are required for businesses engaging in interstate trucking or transportation of specific cargo.
A BMC-32 is an endorsement that must be attached to Cargo Liability insurance that guarantees a minimum level of coverage for cargo losses for which you are liable. Like the MCS-90, carriers are not required to file copies of this form with FMCSA.
A BMC-34 filing is a document submitted to the Federal Motor Carrier Safety Administration (FMCSA). The BMC-34 filing guarantees the FMCSA that you have the required amount of Cargo Liability insurance.
BMC-91 and BMC-91X Filings
A BMC-91 filing is a document submitted to the Federal Motor Carrier Safety Administration (FMCSA). The BMC-91 filing guarantees the FMCSA that you have enough Liability insurance to cover the increased risk of transporting goods or people across state lines.
A BMC-91X filing is required when your insurance is provided by multiple companies instead of just one.
Form MCS-90
An MCS-90 is an endorsement that must be attached to Liability insurance and Cargo Liability insurance policies if you are required to have a federal filing. The MCS-90 endorsement guarantees the minimum required protection for members of the public who are involved in accidents for which you are deemed legally responsible.
The MCS-90 is not filed with the Federal Motor Carrier Safety Administration (FMCSA). The BMC-91 or BMC-91X filing is submitted to the FMCSA as certification that the MCS-90 endorsement has been issued.
Unified Carrier Registration Filings The Uniform Carrier Registration Plan (UCR Plan) replaces the Single State Registration System (SSR) as of September, 2007. It simplifies the payment of multiple state fees by allowing for-hire and private motor carriers, brokers, freight forwarders and leasing companies to submit their financial responsibility information and a registration fee payment to a single state.
Under the UCR Plan, motor carriers conducting interstate operations must register in a base state. Your base state is the state in which the largest number of your vehicles will operate during the coming year.
Currently, 41 of the 50 states are participating in the UCR Plan, and if your base state is one of the participating states, you must register in that state. Private and exempt carriers who were not required to register under the SSR must register in a base state under the UCR Plan.
The registration fee paid to your base state will be shared between all the states in which you operate.
The UCR Plan does not affect a state's regulation of intrastate trucking within that state, including its motor carrier financial responsibility laws for intrastate trucking.
States that participate in the UCR Plan can change over time. Call 1-888-806-9598 for help determining if your base state participates in the UCR Plan and to learn more about state truck filings.
Intrastate Truck Filings
Form E Filing
A Form E filing certifies that your Liability insurance complies with the state's financial responsibility laws. Form E is submitted to the department of your business' home state that regulates intrastate trucking.
Form F
Form F filing is an endorsement to your policy that conforms it to each state's financial responsibility laws.
Form H Filing
A Form H filing guarantees your state that you have sufficient Cargo Liability insurance and is submitted to the state department of your business' home state.
A Form H filing is not available in all states and situations.
Form K Filing
A Form K filing is used to cancel a previous state filing and is submitted to the state agency that regulates motor carrier financial responsibility in your business' home state.
State-Specific Truck Filings
Beyond the UCR, some states require other filings for specific businesses or vehicle types operating within their borders. These filings are submitted to your state's department of motor vehicles or other regulatory agency.
Look for your state below to see some of the state-specific filings that may be required for your business.
California Filings
CA OL 207 - California Driving School Certificate
The California Driving School Certificate is a form submitted to the California DMV verifying proof of insurance. The state of California has special requirements for driving schools; since different drivers constantly operate each vehicle.
MCP-65 Filing
Commercial vehicle operators in California must obtain a Motor Carrier Permit and a Carrier Identification Number. An MCP-65 filing (also called a DMV65MCP) is a certificate of insurance that must be sent to the California DMV as proof that you carry the required level of Liability insurance.
PL914 Filing
A PL914 filing is a document submitted to the state of California for businesses offering commercial balloon, commercial river rafting or commercial skiing (class C) excursions. (Passenger transportation must be offered as part of the excursion package at no additional cost.)
TL672 Filing / TL 671 Endorsement
A TL676 filing is a document submitted to the California DMV for household goods movers. It guarantees the state that you have sufficient cargo insurance coverage (endorsement TL671).
TL676 Filing / TL 675-A Endorsement
A TL676 filing is a document submitted to the California DMV for household goods movers. It guarantees the state that you have sufficient Liability insurance.
TL1000 Filing
A TL1000 filing is a document submitted to the state of California for businesses that offer courtesy transportation. This form ensures that you have sufficient Liability insurance and is only available for businesses offering courtesy transportation. It is not available for businesses engaged in the for-hire transportation of passengers.
To file a TL1000, the named insured on the policy cannot be an individual.
If a Z permit is required with the TL1000, we cannot issue the filing.
You must have a Carrier Authority Number (CA#) for us to issue a TL1000 filing for you. A Carrier Authority Number can be obtained from the California Highway Patrol.
Colorado Filings
Form 12
A Form 12 is a document submitted to the state of Colorado for towing businesses and property carriers. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused by operating tow trucks and a minimum amount of required coverage for transporting property.
On-Hook insurance must also be purchased, in addition to Liability insurance, to obtain this form.
Form 14
A Form 14 is a document submitted to the state of Colorado for towing businesses. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused by operating tow trucks.
You must also have a Single State Registration System (SSRS) Form E and a Colorado State Form 12 to obtain this form.
You must also purchase On-Hook insurance coverage and Garage Keeper's Legal Liability (GKLL) coverage in addition to your Liability insurance to obtain this form.
Connecticut Filings
MC1641 Filing
A MC1641 filing is a document submitted to the state of Connecticut for businesses offering courtesy transportation. We will not issue this form for businesses engaged in the for-hire transportation of passengers.
This filing is vehicle specific. Progressive does not have to insure all of your commercially owned or operated vehicles in order to obtain this filing.
Special approval by Progressive is required before this filing can be issued.
GU1327C Filing
A GU1327C filing is submitted to the state of Connecticut to cancel an MC1641 filing. The GU1327C notifies the state of Connecticut of changes to your Liability insurance.
R1325C Filings
A R1325C filing is required before you can obtain a license to operate a leased or rented vehicle. This filing is submitted to the state of Connecticut.
Florida Filings
Verification of higher limits required after conviction for DUI. FR 44 must be maintained for a minimum of three (3) years after conviction.
Form submitted by the insurance company required to cancel an FR 46.
Indiana Filings
SR50 Filing
An SR50 filing is a financial responsibility form that provides proof that you have at least the minimum required Liability insurance and is submitted to the Indiana Bureau of Motor Vehicles (BMV).
An SR50 will only be issued in the name of the named insured on your policy.
You may also need an SR-22 filing in addition to an SR50.
Montana Filings
HQMV-5 Filing
A Form MV5 COI is submitted to the state of Montana for towing businesses. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused when operating a tow truck.
At Progressive, we only issue this form on behalf of the insured for the cargo/property portion of the form. You also will need to obtain a separate Cargo Carrier portion for this filing.
To obtain this filing, you also must have On-Hook insurance coverage and, if you tow vehicles to a storage or repair facility that you own, Garage Keeper's Legal Liability insurance coverage.
Ohio Filings
OS-32 Filing
An OS-32 filing guarantees the state of Ohio that you have sufficient Liability insurance to cover accidents potentially caused by operating oversized vehicles or trailers. This document is submitted to the Ohio Department of Transportation (ODOT).
Oklahoma Filings
WA Form
The WA Form is submitted to the state of Oklahoma for towing businesses. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused by operating tow trucks.
Rhode Island Filings
GU1338C Filing
The GU1338C is submitted to the state of Rhode Island to verify proof of financial responsibility or proof of Liability insurance. This filing is vehicle specific and must be issued for each vehicle separately.
A GU1338C filing requires special approval by Progressive prior to being issued.
Texas Filings
Form T
A Form T is submitted to the state of Texas for towing businesses. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused by operating tow trucks.
You must have a Vehicle Storage Facility (VSF) number to obtain this form.
Vermont Filings
TA-VN-31 Driver Training COI
The TA-VN-31 is a form issued to the state of Vermont as proof of insurance for driving schools. The state of Vermont has special requirements for driving schools since the drivers for each vehicle are always changing.
Virginia Filings
Verification of higher limits required after convictions for certain offenses, including maiming while under the influence, conviction for DUI, or conviction for driving after forfeited license due to DUI conviction. FR 44 must be maintained during the drivers license suspension period.
Form submitted by the insurance company required to cancel an FR 46.
Other Filings
SR-22 Filing
An SR-22 filing is a financial responsibility form submitted to your state's motor vehicle department, often referred to as the DMV. An SR-22 is proof that you have at least minimum Liability insurance coverage. It also is a guarantee from your insurance company to notify the DMV if you fail to maintain continuous insurance coverage.
An SR-22 filing often is required to reinstate a driver's license after it has been suspended.
SR-26 Filing
An SR-26 filing is used to inform the DMV that an SR-22 has lapsed, expired, or has been canceled.
Certificates of Insurance (COI)
Required by various states, certificates of insurance are similar to filings because they offer proof of financial responsibility by showing adequate insurance coverage. COIs also are processed in the same way as filings.
Oversized/Overweight Vehicles COI
(Alabama, Arkansas, Louisiana, Mississippi and Pennsylvania only)
This certificate of insurance is a document submitted to the state for oversized vehicles or trailers, or for overweight vehicles or loads. It guarantees the state that you have sufficient Liability insurance to cover accidents potentially caused by operating larger, heavier vehicles and trailers.
Florida Department of Motor Vehicles COI
(Florida only)
The state of Florida requires proof of insurance providing required coverages and minimum limits for all commercial trucks and tractors with a gross vehicle weight (GVW) more than 26,000 lbs. Acceptable forms of proof of insurance include the Florida DMV COI and the Form E filings.
An accident is a sudden, unexpected event or occurrence that causes bodily injury or property damage. The event may be at-fault, not-at-fault, reported or unreported. An example of a not-at-fault accident could be where your parked vehicle is struck by another vehicle.
Actual Cash Value (ACV)
A vehicle's actual cash value, also called the market value, is essentially the price someone would pay to purchase that exact vehicle today. It's determined by evaluating a number of factors, including the vehicle's age and condition, as well as any prior damage, improvements, or special equipment.
Additional Insured,
A company or person who may be liable for an accident that involves an insured person or vehicle can be added to the policy as an additional insured.
Example: A general contractor can be an additional insured.
Anti-Theft Device,
A device, either active or passive, that attempts to prevent vehicle theft. Active anti-theft devices can track and recover a vehicle and automatically contact a response center to begin the vehicle recovery process. Passive anti-theft devices attempt to prevent theft by using sophisticated electronic car alarms, simple steering wheel locks, etc.
Any Auto Coverage,
Any Auto coverage extends Liability insurance to hired and other non-owned vehicles, and vehicles you purchase during your policy term. It extends the same Liability coverage and limits you carry for the vehicles already listed on your policy to the unlisted vehicles. Any Auto coverage requires a contractual agreement stating the need for the coverage. Other restrictions could apply.
Bobtail Coverage,
Although Bobtail coverage is often used interchangeably with Non-Trucking Liability coverage, technically they are not the same thing. Bobtail insurance protects a tractor when it's operated without a trailer, whether or not it's under dispatch, while Non-Trucking Liability coverage only covers a vehicle when it's driven for personal, nonbusiness use.
Bodily Injury Liability Coverage (BI),
Bodily Injury Liability is one part of Liability Coverage. If you are responsible for causing an accident, Bodily Injury Liability coverage pays for injuries/death to people involved in the accident. Bodily Injury Liability coverage also pays for legal defense costs if you are sued.
Combined Single Limit (CSL),
CSL is a single number that describes the predetermined limit for the combined total of the Bodily Injury Liability coverage and Property Damage Liability coverage per occurrence or accident.
Example: A CSL of $1 million pays up to a combined total of $1 million for both Bodily Injury Liability coverage and Property Damage Liability coverage for any single accident.
Commercial Driver's License (CDL),
A CDL is a special license needed by operators of tractors, vehicles over 26,000 GVW, or vehicles carrying more than seven passengers.
Commercial Vehicle,
A commercial vehicle is any vehicle used for business purposes. Also called commercial auto, corporate car, corporate vehicle, business auto, business car or business vehicle.
Comprehensive Coverage
If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism.
Comprehensive Coverage with Full Glass Protection,
If you need to replace a window or windshield due to a non-collision incident, Comprehensive coverage with Full Glass Protection pays to replace it and waives the standard deductible, which you would usually have to pay out of pocket. This coverage is not available in all states.
Collision Coverage,
When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle.
Continuously Insured,
Being continuously insured means your insurance coverage was in effect at all times, without a break or lapse in coverage for any reason.
A corporation is created to function as a separate legal and tax entity, independent of the people who own and manage it. It can enter agreements, incur debts and be taxed apart from its owners. A corporation is required to file articles of incorporation with its home state, create corporate by-laws, issue stock certificates and comply with a number of corporate formalities.
Coverage is the word used to describe protection for an insured as provided by an insurance policy. A particular coverage may refer to a specific component of insurance that provides protection under a given set of circumstances.
Custom Harvesters,
People who travel from home, working a few weeks at a time at various locations harvesting seasonal crops, are custom harvesters. They sometimes also are called agricultural workers or migrant workers.
Sometimes also called "Bobtail coverage." Although Bobtail or Deadhead coverage is often used interchangeably with Non-Trucking Liability coverage, technically it is not the same thing. Bobtail insurance covers a tractor when it's operated without a trailer, whether or not it's under dispatch, while Non-Trucking Liability coverage only covers a vehicle when it's driven for personal, nonbusiness use.
Declarations Page (Dec Page),
Also known as an auto insurance coverage summary, this page is provided by your insurance company and lists the following:
- Types of coverage you have elected
- Limit for each coverage
- Cost for each coverage
- Specified vehicles covered by the policy
- Types of coverage for each vehicle covered by the policy, and
- Other information applicable to the policy
A deductible is the dollar amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Deductibles always are selected when you purchase an insurance policy.
Diplomatic Driver's License,
A diplomatic driver's license is issued to members of foreign consular posts and their family members in the United States. Diplomatic driver's licenses can only be issued by the Department of State through its Diplomatic Motor Vehicle Office.
A discount is a percentage reduction applied to a premium for fulfilling specific requirements or actions.
Doing Business As (DBA) name,
A DBA is a name by which a company is known to the public but which is not its legal name.
Electronic Funds Transfer (EFT),
EFT is a payment method in which funds are automatically deducted from a customer's checking account to pay bills on a regularly scheduled basis. Customers must select the EFT payment method and authorize payments in advance to use this system to pay their bills.
Employer's Non-Owned Coverage,
Employer's Non-Owned coverage provides Liability insurance for a vehicle owned by your employee if it must be used to conduct your business. This coverage is for vehicles that are not regularly used for the business.
A filing is like a certificate of insurance issued by an insurer that provides proof of specific insurance coverage. There are both federal filings and state filings.
Federal filings are submitted to the Federal Highway Administration. They often are required for interstate transportation of goods, people or hazardous materials.
State filings are submitted to a specific state's Department of Transportation or other governing body. They often are required for intrastate transportation of goods, people or hazardous materials.
Federal Highway Administration (FHWA),
The FHWA is a branch of the federal government that regulates interstate transportation of goods and people.
Fire and Theft with Combined Additional Coverages,
The damage or loss must be caused by one of the following: fire, lightning, explosion, theft, windstorms, hail, earthquakes, flood, rising waters, vandalism, a collision with an animal, or while being transported by a third party.
For-Hire Truckers,
For-hire truckers are truck operators who transport goods for a fee.
Garage keepers Legal Liability Insurance,
Garage Keeper's Legal Liability coverage was designed for towing businesses. It protects your customers' vehicles in case of fire, explosion, theft, vandalism or collision when the vehicle is at your garage or covered location for servicing, parking or storing.
Garaging Location,
A garaging location is the place you primarily park your vehicle when you're not using it. Generally, this is your primary business address.
Gross Vehicle Weight (GVW),
GVW is the total weight capacity of a fully loaded vehicle. It can be calculated by adding the weight of the vehicle to the maximum weight of a load that could be carried in the vehicle. GVW can be obtained by checking the manufacturer's general information for the vehicle.
Hired Auto Coverage,
Hired Auto coverage provides Liability coverage for a non-owned, unlisted vehicle that you have leased, hired, rented or borrowed.
Individual Named Insured Endorsement,
This coverage extends your Liability and Physical Damage coverages to other non-owned private passenger-type autos that you, or a resident relative, might drive.
This coverage is for vehicles that are not available for your regular use, and that are not owned by you, your spouse or any resident of your household. This coverage is available only to individual named insureds, and not to corporations or partnerships.
If you cross the border of one state into another state, that is interstate travel.
If you stay within the borders of one state, that is intrastate travel.
A lease is a contract or arrangement in which the use of equipment, such as a vehicle, is granted for a specified time at a specified price.
Liability Coverage,
Liability coverage provides protection against your legal liability for Bodily Injury and/or Property Damage caused by the negligence of your employees or yourself in the operation or use of your insured motor vehicle. This coverage also provides you with legal defense costs in the event you are sued as a result of an accident.
Limited Liability Company (LLC),
A Limited Liability Company combines the personal liability protections of a corporation and the pass-through tax benefits of a partnership or sole proprietorship. Owners of LLCs typically are called members and share equally in the management responsibilities of the company. LLCs may also choose to appoint certain owners or outside personnel to manage business operations.
An insurance coverage limit is selected by you at the time you purchase a policy. It describes the maximum an insurance company will pay for damages or injuries that apply to a specific coverage. Most states have laws that specify the minimum limit that must be purchased for each required insurance coverage.
Liability coverage limits can be described as a combined single limit (CSL) or as a split limit.
Medical Payments (MedPay) Coverage,
MedPay is an optional insurance coverage that pays for reasonable and necessary medical and funeral expenses for covered persons. These expenses must be incurred as a result of an auto accident.
Minimum Limit,
A minimum limit is the least amount of insurance coverage required by state law. Sometimes also called statutory limits, minimum limit requirements or basic limits.
Named Insured,
The named insured is the name of the business or person who owns the insurance policy.
Non-Trucking Liability Coverage,
If you're under permanent lease to a motor carrier that provides your Primary Liability coverage, you could benefit from our Non-Trucking Liability (NTL) coverage with unlimited radius while using your truck for a personal non-business purpose.
Non-Trucking Liability insurance can pay for medical and associated expenses for injuries or even death that you cause to other people or for any damage caused to other peoples' property. Non-Trucking Liability insurance provides liability coverage for the truck when it's used for personal use only, such as when you are at home on your day off and use the truck to go to the movies, pick up groceries or to visit a friend. This endorsement only modifies the liability portion of your policy.
NTL does not provide liability coverage for any use that can be considered business use or to carry cargo. Trips to and from the terminal, fueling up, trips for maintenance or vehicle servicing, use during layovers, dead-heading (driving without a load), and even getting the truck washed may be considered using the auto for a business purpose. Business use would be covered by the motor carrier's primary liability insurance.
Non-Owned Vehicle Insurance,
Non-Owned Vehicle insurance extends the coverage provided under the Bodily Injury Liability coverage and Property Damage Liability coverage of your policy to any vehicles not owned by you or your business that are used by any of your employees for business.
Occasional Driver,
A person who is not the primary or principal driver of an insured vehicle is an occasional driver.
On-Hook Towing Coverage,
On-Hook Towing Liability coverage provides physical damage coverage for a customer's auto or watercraft while you are towing it. The protection includes damage caused by fire, theft, explosion, vandalism or a collision.
Owner Operator,
A truck driver who works as an independent carrier of goods instead of as an employee of one trucking company is an owner operator. The term can also be hyphenated and written as "owner-operator."
Partnerships are frequently composed of groups of professionals, such as attorneys, accountants and lawyers, but may also be retail and service businesses.
Permanently Attached Equipment (PAE),
Equipment that is used in the course of doing business and is bolted or welded to an insured vehicle or trailer is permanently attached equipment. Examples of PAE include:
- Air compressors
- Carpet cleaning equipment
- Computers
- Cranes
- Generators
- GPS units (mounted in vehicle)
- Ladder racks
- Lift gates
- Lift kits
- Logging equipment
- Pressure washers
- Shelving
- Snow plows
- Tool boxes
Equipment that is attached to the vehicle and makes the vehicle what it is, such as buckets, cement mixers, dump boxes, refrigerated boxes, etc., are not considered permanently attached equipment. Permanently attached equipment should be included when calculating the value of the vehicle for your stated amount.
Personal Injury Protection (PIP) Coverage,
Personal Injury Protection is the basic coverage implemented in no-fault automobile insurance states. PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. Depending on the state, PIP may also cover lost wages and additional expenses.
Physical Damage Coverage,
Physical Damage coverage is designed to protect your vehicle. There are several forms of Physical Damage Coverage, including Collision coverage, Comprehensive coverage and Fire and Theft with Combined Additional Coverages.
A placard is a metal plaque or other form of signage found on vehicles or trucks that displays a message to the public regarding the cargo being hauled, such as hazardous, flammable or explosive.
Policy Expiration Date,
Your current insurance policy ends on your policy expiration date, which is found on your current policy documents, Declarations Page (Dec Page), insurance identification card or recent cancellation notice. This date should not be confused with payment due dates.
It's also important to note that in many cases, the policy actually expires just after midnight at 12:01 a.m. on the policy expiration date. This means that as of 12:02 a.m., there is no coverage.
Policy Term,
The length of time your policy is active and in force is your policy term.
A premium is the amount of money paid to an insurance company in return for insurance protection.
Primary Address,
A primary address is the place where you would like all communications mailed. This is typically your business headquarters.
Primary Liability Insurance,
Primary Liability insurance is Liability coverage for all trucking situations including empty and loaded vehicles.
Primary Use ,
Primary use is how you mainly use your vehicle. Primary use options include:
- Business use only
- Personal use only
- Personal and business use
- Nonbusiness use
Principal Driver ,
The person who drives the car most often is the principal driver.
Property Damage Liability Coverage (PD) ,
Property Damage Liability is the second part of Liability Coverage. If an insured person is legally liable for an accident, Property Damage Liability coverage pays for damage to others' property resulting from the accident. Property Damage Liability coverage also pays for legal defense costs if you are sued.
Radius of Operation,
The maximum distance traveled one way, as the crow flies, by an insured, from the point of garaging to the point of delivery, is the radius of operation. Depending on your state, Progressive has a 300- or 500-mile limit on radius of operation for certain types of businesses.
Repair Plates,
Repair plates are license plates issued to businesses that repair, alter, recondition, equip or tow motor vehicles or trailers for the public. The plates are not assigned to a specific vehicle, which makes them unacceptable for insuring with Progressive.
Repossession is reclaiming ownership of an item, such as a vehicle, because payments have not been made. Towing companies may perform auto repossession work for-hire. Progressive cannot insure towing companies that earn more than 25 percent of their income from repossession work.
Single Deductible Endorsement,
The Single Deductible Endorsement is automatically applied to all vehicles with Physical Damage coverage. Instead, you are only obligated to pay the highest deductible, while the others are waived. The Single Deductible Endorsement is automatically applied to all.
Sole Proprietorship,
A sole proprietorship is a one-owner company that is not registered with the state as an LLC or corporation. The owner of a sole proprietorship is personally responsible for the debts and liabilities of the company and reports the company's losses and profits on his or her personal taxes.
Split Limits,
A series of three numbers (ex. $15,000/$30,000/$10,000), split limits describe the predetermined maximum amounts to be paid on Bodily Injury Liability coverage and Property Damage Liability coverage per person and per occurrence or accident.
Example: A split limit of $15,000/$30,000/$10,000 would pay out, per accident, up to $15,000 in Bodily Injury Liability coverage for each covered person injured in the accident and up to a maximum total of $30,000 for all covered people injured in the accident. It also would pay out up to $10,000 in Property Damage Liability coverage.
Stated Amount,
A stated amount is the value submitted by the insured as representative of the current value of an insured vehicle, after accounting for depreciation and including the value of any special or permanently attached equipment.
Trailer Interchange Agreement,
A trailer interchange agreement is a written contract between truckers or trucking companies that provides for the loan of trailers by the owner to a third party.
Example: Joe's Trucking Company has a trailer interchange agreement with Sue's Trucking Company. Joe hauls a trailer full of cargo from point A to point B. Sue takes Joe's trailer and hauls it from point B to point C for Joe.
Trailer Interchange Coverage,
Trailer Interchange coverage provides Physical Damage insurance for trailers that you do not own while they are in your care, custody or control, such as being hauled under a trailer interchange agreement.
Uninsured Motorist Coverage (UM),
If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death, that you, your resident relatives and occupants of your insured vehicle sustain, up to the limits that you select.
Underinsured Motorist Coverage (UIM),
If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death, that you, your resident relatives and occupants of your insured vehicle sustain, up to the limits you select. In some states, UIM coverage is included as part of UM coverage.
Uninsured/Underinsured Motorist Property Damage Coverage (UMPD),
If a driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. UMPD is not available in all states and may be available as an alternative to Collision coverage in others.
Vehicle Identification Number (VIN)
A VIN is a combination of 17 letters and numbers that can be used to identify the make, model and year of a car. The Vehicle Identification Number (VIN) for a vehicle is usually found on the driver's side of the dashboard, the vehicle registration or the title.


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03/20/17 -
America may miss out on the next industrial revolution
Robots are inevitably going to automate millions of jobs in the US and around the world, but theres an even more complex scenario on the horizon, said roboticist Matt Rendall. In a talk Tuesday at SXSW, Rendall painted a picture of the future of robotic job displacement that focused less on automation and more on the realistic ways in which the robotics industry will reshape global manufacturing.
The takeaway was that America, which has outsourced much of its manufacturing and lacks serious investment in industrial robotics, may miss out on the worlds next radical shift in how goods are produced. Thats because the robot makers as in, the robots that make the robots could play a key role in determining how automation expands across the globe.
"Robots that make other robots are the future" - As the CEO of manufacturing robotics company Otto Motors (not to be confused with the self-driving trucking company Uber owns), Rendall focuses on building fleets of warehouse bots that could eventually replace the many fulfillment workers who are hired by companies like Amazon. His talk, titled Robots vs Jobs: Technological Displacement is Here, gave a brief history of automation, charting how the tractor and the assembly line and other technologies throughout history have displaced human labor.
But then he turned to the uncertain future. Automation optimists and pessimists have begun arguing over how the world will change, and whether a mix of artificial intelligence and industrial robotics might accelerate automation in an unprecedented fashion. The robots are coming, Rendall said. After the Great Recession, there was a fundamental change in peoples interest in automation. People started feeling the pain of high-cost labor and theres an appetite for automation that we havent seen before.
Check out our amazing Ebooks, CDs and DVDs
DVD - the Physics of Crystals, Pyramids and Tetrahedrons
This is a wonderful duel DVD set lasting 2 hours and which presents one man's lifelong study of pyramids, crystals and their effects. Several of his original and very creative experiments are explained and diagramed out for experimenters. These experiments include;
1) transmutation of zinc to lower elements using a tetrahedron,
2) energy extraction from a pyramid,
3) determining mathematic ratios of nature in a simple experiment,
4) accelerating the growth of food,
5) increasing the abundance of food,
6) how crystals amplify, focus and defocus energy,
7) using crystals to assist natural healing,
8) how the universe uses spirals and vortexes to produce free energy and MORE...
KeelyNet BBS Files w/bonus PDF of 'Keely and his Discoveries'
Finally, I've gotten around to compiling all the files (almost 1,000 - about 20MB and lots of work doing it) from the original KeelyNet BBS into a form you can easily navigate and read using your browser, ideally Firefox but it does work with IE. Most of these files are extremely targeted, interesting and informative, I had forgotten just how much but now you can have the complete organized, categorized set, not just sprinklings from around the web. They will keep you reading for weeks if not longer and give you clues and insights into many subjects and new ideas for investigation and research. IN ADDITION, I am including as a bonus gift, the book (in PDF form) that started it all for me, 'Keely and his Discoveries - Aerial Navigation' which includes the analysis of Keely's discoveries by Dr. Daniel G. Brinton. This 407 page eBook alone is worth the price of the KeelyNet BBS CD but it will give you some degree of understanding about what all Keely accomplished which is just now being rediscovered, but of course, without recognizing Keely as the original discoverer. Chapters include; Vibratory Sympathetic and Polar Flows, Vibratory Physics, Latent Force in Interstitial Spaces and much more. To give some idea of how Keely's discoveries are being slowly rediscovered in modern times, check out this Keely History. These two excellent bodies of information will be sent to you on CD. If alternative science intrigues and fascinates you, this CD is what you've been looking for...
- More Info
'The Evolution of Matter' and 'The Evolution of Forces' on CD
Years ago, I had been told by several people, that the US government frequently removes books they deem dangerous or 'sensitive' from libraries. Some are replaced with sections removed or rewritten so as to 'contain' information that should not be available to the public despite the authors intent. A key example was during the Manhattan Project when the US was trying to finalize research into atomic bombs. They removed any books that dealt with the subject and two of them were by Dr. Gustave Le Bon since they dealt with both energy and matter including radioactivity. I had been looking for these two books for many years and fortunately stumbled across two copies for which I paid about $40.00 each. I couldn't put down the books once I started reading them. Such a wealth of original discoveries, many not known or remembered today. / Page 88 - Without the ether there could be neither gravity, nor light, nor electricity, nor heat, nor anything, in a word, of which we have knowledge. The universe would be silent and dead, or would reveal itself in a form which we cannot even foresee. If one could construct a glass chamber from which the ether were to be entirely eliminated, heat and light could not pass through it. It would be absolutely dark, and probably gravitation would no longer act on the bodies within it. They would then have lost their weight. / Page 96-97 - A material vortex may be formed by any fluid, liquid or gaseous, turning round an axis, and by the fact of its rotation it describes spirals. The study of these vortices has been the object of important researches by different scholars, notably by Bjerkness and Weyher. They have shown that by them can be produced all the attractions and repulsions recognized in electricity, the deviations of the magnetic needle by currents, etc. These vortices are produced by the rapid rotation of a central rod furnished with pallets, or, more simply, of a sphere. Round this sphere gaseous currents are established, dissymetrical with regard to its equatorial plane, and the result is the attraction or repulsion of bodies brought near to it, according to the position given to them. It is even possible, as Weyher has proved, to compel these bodies to turn round the sphere as do the satellites of a planet without touching it. / Page 149 - "The problem of sending a pencil of parallel Hertzian waves to a distance possesses more than a theoretical interest. It is allowable to say that its solution would change the course of our civilization by rendering war impossible. The first physicist who realizes this discovery will be able to avail himself of the presence of an enemy's ironclads gathered together in a harbour to blow them up in a few minutes, from a distance of several kilometres, simply by directing on them a sheaf of electric radiations. On reaching the metal wires with which these vessels are nowadays honeycombed, this will excite an atmosphere of sparks which will at once explode the shells and torpedoes stored in their holds. With the same reflector, giving a pencil of parallel radiations, it would not be much more difficult to cause the explosion of the stores of powder and shells contained in a fortress, or in the artillery sparks of an army corps, and finally the metal cartridges of the soldiers. Science, which at first rendered wars so deadly, would then at length have rendered them impossible, and the relations between nations would have to be established on new bases."
- More Info
High Voltage & Free Energy Devices Handbook
This wonderfully informative ebook provides many simple experiments you can do, including hydrogen generation and electrostatic repulsion as well as the keys to EV Gray's Fuelless Engine. One of the most comprehensive compilations of information yet detailing the effects of high voltage repulsion as a driving force. Ed Gray's engine produced in excess of 300HP and he claimed to be able to 'split the positive' energy of electricity to produce a self-running motor/generator for use as an engine. Schematics and tons of photos of the original machines and more! Excellent gift for your technical friends or for that budding scientist! If you are an experimenter or know someone who investigates such matters, this would make an excellent addition to your library or as an unforgettable gift. The downloadable HVFE eBook pdf file is almost 11MB in size and contains many experiments, photos, diagrams and technical details. Buy a copy and learn all about hydrogen generation, its uses and how to produce electrostatic repulsion. - 121 pages
- More Info
Hypnosis CD - 3 eBooks with How To Techniques and Many Cases
If you have a few minutes, you might want to read my page on hypnosis and all the amazing things associated with its application. Included is an experience I had when I hypnotized a neighbor kid when I was about 14. As well the hypnotic gaze of snakes, the discovery of 'eyebeams' which can be detected electronically, the Italian Hypnotist Robber who was caught on tape with his eyes glowing as cashiers handed over their money and remembered nothing, glamour and clouding the mind of others, several methods of trance induction and many odd cases, animal catatonia, healing, psychic phenomena, party/stage stunts, including my favorite of negative hallucination where you make your subject NOT see something...much more...if nothing else, its might be a hoot to read.
- More Info
14 Ways to Save Money on Fuel Costs
This eBook is the result of years of research into various methods to increase mileage, reduce pollution and most importantly, reduce overall fuel costs. It starts out with the simplest methods and offers progressively more detailed technologies that have been shown to reduce fuel costs. As a bonus to readers, I have salted the pages with free interesting BONUS items that correlate to the relevant page. Just filling up with one tank of gas using this or other methods explained here will pay for this eBook. Of course, many more methods are out there but I provided only the ones which I think are practical and can be studied by the average person who is looking for a way to immediately reduce their fuel costs. I am currently using two of the easier methods in my own vehicle which normally gets 18-22 mpg and now gets between 28 and 32 mpg depending on driving conditions. A tank of gas for my 1996 Ford Ranger costs about $45.00 here so I am saving around $15-$20 PER TANK, without hurting my engine and with 'greener' emissions due to a cleaner burn! The techniques provided in this ebook begin with simple things you can do NOW to improve your mileage and lower your gas costs. - eBook Download / More Info
The Physics of the Primary State of Matter
The Physics of the Primary State of Matter - published in the 1930s, Karl Schappeller described his Prime Mover, a 10-inch steel sphere with quarter-inch copper tubing coils. These were filled with a material not named specifically, but which is said to have hardened under the influence of direct current and a magnetic field [electro-rheological fluid]. With such polarization, it might be guessed to act like a dielectric capacitor and as a diode...
- More Info
$5 Alt Science MP3s to listen while working/driving/jogging
No time to sit back and watch videos? Here are 15 interesting presentations you can download for just $5 each and listen to while driving, working, jogging, etc. An easy way to learn some fascinating new things that you will find of use. Easy, cheap and simple, better than eBooks or Videos. Roughly 50MB per MP3.
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15 New Alternative Science DVDs & 15 MP3s
An assortment of alternative science videos that provide many insights and inside information from various experimenters. Also MP3s extracted from these DVDs that you can listen to while working or driving. Reference links for these lectures and workshops by Bill Beaty of Amateur Science on the Dark Side of Amateur Science, Peter Lindemann on the World of Free Energy, Norman Wootan on the History of the EV Gray motor, Dan Davidson on Shape Power and Gravity Wave Phenomena, Lee Crock on a Method for Stimulating Energy, Doug Konzen on the Konzen Pulse Motor, George Wiseman on the Water Torch and Jerry Decker on Aether, ZPE and Dielectric Nano Arrays. Your purchase of these products helps support KeelyNet, thanks!
- More Info

subset: commoncrawl


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Even if your symptoms of bipolar disorder are severe, mood swings and other symptoms can become stable with treatment. Bipolar disorder is a recurrent illness. Long-term treatment is strongly recommended to prevent future episodes. The best plan is one that combines medicine and psychosocial treatment to manage the disorder over time.
Bipolar disorder is best controlled when treatment is continuous. However, even when there are no breaks in treatment, mood changes can occur and should be reported to your doctor right away. Your doctor may be able to prevent a full episode by adjusting to your treatment plan. Work closely with your doctor and talk opening about treatment concerns and options. This can make a difference in how well treatment works.
Keep a chart of daily mood symptoms, treatments, sleep patterns, and life events. This may help you and your family understand the illness better. This chart also can help your doctor track and treat the illness most effectively.
Treatment will include:
- Medications to stabilize mood
- Diagnosis and treatment of medical conditions that appear to be bipolar disorder, such as abnormal thyroid function or kidney failure
- Psychotherapy
- Counseling to provide you and your family with support, education, and guidance
- Possible electroconvulsive therapy in severe cases
Treatment involves the following:MedicationsOther treatmentsLifestyle changesAlternative and complementary therapies
Revision Information
- Reviewer: Rimas Lukas, MD
- Review Date: 09/2016 -
- Update Date: 09/17/2014 -


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Our hotel
Those of you who decide to stay at Palazzo Murat, a 4 star boutique hotel in Positano, will experience Positano's amazing history first hand.
You will love this 17th C building's rooms furnished with antique furniture that used to belong to the King of Naples, Gioacchino Murat, and will be able to take full advantage of his lifestyle with excellent recipes of the hotel's restaurant, as well as the peaceful and quiet atmosphere of the hotel's botanical garden.
The perfec holiday for those of you in search of a different retreat, somewhere to simply relax.


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Jamey Aebersold Jazz Ensemble Collection Volume 1Jamey Aebersold/Blair - Heritage Music Press
Jamey Aebersold Jazz Ensemble Collection Volume 1Jamey Aebersold/Blair - Heritage Music Press
This great collection is as nice to listen to as it is great for teaching jazz! Renowned jazz writer Peter Blair has taken eight of the famous Jamey Aebersold play-along tunes and written complete jazz ensemble charts that allow your budding improvisors to plug their newly-honed skills into a real-life setting! The exact form and structure are retained from the original play-along setting, so students can use Jamey's books and tracks to practice their solos. A variety of styles are offered, including modal blues, Latin grooves, 3/4 minor blues and more. The rhythm section parts are fully notated to ensure a successful performance. Includes Some Minor Changes from Jamey's Volume #1-Learning To Play Jazz, as well as A Little Minor Blues; Mr. Super Hip; Horizontal and Modal Blues from Volume #2-Nothin' But Blues; and Lame Duck; Bertha's Boss and Achin' And Breakin' from Volume #88-Millennium Blues. What a great way to reinforce important improv skills!
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Privo by Clarks is a special collection of Clarks Shoes. Privo Shoes is positioned to fill a growing consumer need for shoes that compliment today's active/casual lifestyle. Privo offers women an alternative to traditional athletic and casual footwear.
Your search did not match any products.
Clarks Privo is a sub-brand of Clarks shoes. This collection consists exclusively of casual shoes designed for an active lifestyle. Models include sandals, boots, shoes, Mary-Janes, and even flip flops. Each of these is extremely casual in style and slightly rugged in durability. This collection has a shoe for almost any casual occasion you might have.
The Privo by Clarks® Collection features a proprietary technology called Solessage. It features raised bumps on the soles that massage your feet with each step. This footbed has great shock absorption properties in its midsole and outsole. The high-quality materials are lightweight, durable, and perfect for the active person on the go. Classic, casual styling makes this collection incredibly versatile.
You'll love the casual comfort of the Privo by Clarks® Collection!
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"Plisetskaya was already 47 when she danced Anna for the first time and was 55 when this performance was recorded
. There must be something in the Muscovite water as she looks as comparatively youthful
I was fortunate enough to see this production at the Bolshoi in the early 1980's when Plisetskaya was almost sixty and she was truly incredible. It seemed as if she were dancing in the palm of one's hand, giving a personal performance for each and every individual in the capacious Bolshoi house
. The choreography is spiky (the sensation of movement created at the races is particularly effective) and matched by [Rodion] Shchedrin's quite daring score
. He does attempt some wit during a ballroom scene where the score liberally quotes Tchaikovsky, but this is a dark, brooding work that propels us at the pace of the final, devastating train towards its inevitable ending."Ballet Magazine


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(Ashley Green)
Stephenie was not covered with an umbrella, I wonder why.. lolz. [Kristen] was covered with 2 huge umbrellas! And oh, btw Ashley was soooo nice. She took her time and waved at us! That made our day! As well as Mike Newton and Jessica as well...So is it still an Untitled Sport Movie? whahahahahhaClicky to make pics bigger. Thanks, HUSH!!!
EDIT: Check out NEW LOBBY PICS of SPARTAN gear!
Also, Twilight-Gossip has some fan pics up, including this one where you can see that Angela got a make-over. Christian Serratos looks great!


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Mountain America Tests Diebold's Video Teller at Drive-Through
Mountain America Credit Union in West Jordan, Utah, the state's second-largest CU, is testing Diebold Inc.'s video teller service to enhance relationships with customers who use drive-through ATMs.
Mountain America members can speak directly with credit union employees to ask questions, find out about new services or complete transactions, the company and credit union said.
Diebold has already conducted a trial at walk-up ATMs with the $379 million Missoula Federal Credit Union in Missoula, Mont.
Pilot testing at drive-thru ATMs can further tailor technology to the varied needs of consumers, according to Diebold and Mountain America.
Mychal D. Kempt, vice president, North American operations, at Ohio-based Diebold, said the video service can engage customers beyond self-service functions.
''Whether Mountain America's members have questions, need to resolve an issue or even want to respond to a marketing offer, they'll be able to speak live, via video, with a customer service representative, and complete their business on the spot, '' he said.
The video service, using Diebold's Agilis Campaign Office software, can reach out to credit union members with special promotions.
Increasingly, credit unions are looking to video teller technology to cut costs by replacing tellers at branch locations, as well as to create a stronger connection with members who prefer electronic options and rarely visit with tellers face-to-face.
The NCUA last summer approved video tellers as "service facilities" for the purposes of field of membership expansion.
Mountain America Credit Union has more than $3 billion in assets, with more than 400,000 members at 75 branches in five states.


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Charter Oak FCU Gives $19,000 to Local Charities
Ten organizations will be able to do more to help the community thanks to $19,000 in grants from Charter Oak Federal Credit Union.
The Groton, Conn.-based $749 million cooperative said its Community Giving Program has funded 42 grants, totaling $74,100 this year alone, and has given more than $575,000 to local community and nonprofit groups since its inception in 2009.
Recent grant recipients include Catholic Charities, Diocese of Norwich; City of Norwich; The Connecticut Radio Information System; Habitat for Humanity of Southeastern Connecticut; Ledyard Social Services; LifeFAQs.org; Muscular Dystrophy Association; Northeast Communities Against Substance Abuse; Norwich Human Services; and Safe Futures.
These organizations will use the allocated funds to assist individuals and families living within Charter Oak's field of membership.
According to the credit union LifeFAQs.org will continue to help disadvantaged students in the Greater New London area while Catholic Charities, Diocese of Norwich, will use the funds to ensure that local families remain intact and are able to afford their basic needs.
The Connecticut Radio Information System, also known as CRIS, was awarded a grant to expand its radio reading service in Windham and New London counties. CRIS is the only radio reading service in Connecticut for people with disabilities.
"It was an easy decision to award funds to these organizations. They are doing their best to improve the communities in which Charter Oak has served for over 73 years," said Brian Orenstein, Charter Oak's CEO.
Community Giving Grant application forms are reviewed on a quarterly basis, according to Charter Oak. The next deadline is Jan.1.


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Whether ballet, modern, or hip hop, performance dance has become a revered art form throughout the world. Shows like Stomp reimagine the art of dancing, while classical ballet numbers like The Nutcracker are a time honored tradition. Dance in your seat with Neos Dance Theatre tickets!
Dance is a sophisticated form of body movement that is deeply rooted in culture and tradition. The art consists of a large number of different genres including ballet, ballroom dance, latin dance, modern dance, and folk dance. Choreographers set the steps to music, and audiences love shows like Neos Dance Theatre.
Famous dancers include Michael Flatley, who created Lord of the Dance, and the Radio City Rockettes. Performers bring joy to audiences from around the world, so find Neos Dance Theatre tickets at TicketNetwork!


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This study is provided by ICPSR. ICPSR provides leadership and training in data access, curation, and methods of analysis for a diverse and expanding social science research community.
Diffusion of Public Policy Innovation Among the American States (ICPSR 66)
Principal Investigator(s): Walker, Jack L.
This study contains data on the diffusion of innovative legislation and public programs among the 48 continental states of the United States during the 19th and 20th centuries. Information is provided for the year in which each state initiated each of 85 innovative programs and for the date when the state became a territory. Variables provide information on the programs enacted and on the innovative score, which was calculated for each state on each issue. Based on the number of years that elapsed between the first and the last legislative enactment of a program, each state received a score corresponding to the percentage of time that elapsed between the first adoption of the program and the state's own acceptance of the program.
Access Notes
Data in this collection are available only to users at ICPSR member institutions. Please log in so we can determine if you are with a member institution and have access to these data files.
ASCII + SAS Setup SPSS Setup
Study Description
Walker, Jack L. Diffusion of Public Policy Innovation Among the American States. ICPSR00066-v1. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 1972. https://doi.org/10.3886/ICPSR00066.v1
Persistent URL: https://doi.org/10.3886/ICPSR00066.v1
Export Citation:
- RIS (generic format for RefWorks, EndNote, etc.)
- EndNote XML (EndNote X4.0.1 or higher)
Scope of Study
Subject Terms: innovation, innovation diffusion, legislation, legislative process, modernization, nineteenth century, policy analysis, policy making, program evaluation, public policy, state government, state politics, states (USA), twentieth century
Geographic Coverage: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York (state), North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, United States, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Universe: The continental 48 states of the United States in the 1800s and 1900s.
United States state agency publications, books, journal articles, periodicals, and occasional papers
Original ICPSR Release: 1984-05-03
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If you're looking for collection-level metadata rather than an individual metadata record, please visit our Metadata Records page.


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Three Texas Credit Unions File for Mergers
Three Texas credit unions are seeking approval of mergers from the state's regulatory agency.
The Texas Credit Union Department said it has received merger applications from the following credit unions:
- The $1.4 billion EECU in Fort Worth proposes to merge with the $38 million Fort Worth Telco CU, with EECU being the surviving credit union. Forth Worth Telco CU serves 5,354 members and has been struggling financially. NCUA financial records show the credit union's loan income has dropped from $993,341 in 2008 to $868,225 in 2011. Its investment income also has substantially declined from $743,881 in 2008 to $235,896 in 2011.
- The 278-member $1 million District 1 THD CU in Paris is seeking approval to merge into the $21 million Northeast Texas Teachers FCU in Paris, which serves 4,787 members. Both credit unions have been facing financial challenges according to NCUA financial records. Northeast Texas Teachers' loan income has decreased from $541,873 in 2008 to $427,852 in 2011. Loan income for District 1 THD has fallen from $50,371 in 2008 to $43,851 in 2011.
- The $178 million Unity One Credit Union in Fort Worth with 24,828 members wants to merge with the $19 million Argentine Santa Fe Industries CU in Kansas City, Kan., with Unity One CU being the surviving credit union. NCUA financial records show the 1,639-member Argentine Santa Fe Industries CU has seen loan income decline from $211,944 in 2008 to $140,656 in 2011. Its investment income has plummeted from $663,106 in 2008 to $142,866 in 2011.


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Offseason deal reshapes Mets' Minor League system
Recently acquired d'Arnaud, Syndergaard join Wheeler atop list of club's top prospects
By Joey Nowak / MLB.com
The future success of every Major League team lies largely in its Minor League pipeline. With that in mind, MLB.com is looking at each team's farm system, from the Top 20 Prospects to under-the-radar types.
When the Mets made the decision to trade R.A. Dickey to Toronto in mid-December, they were parting ways with this year's National League Cy Young Award winner, but they were also well aware of the talent they would be getting in return.
A farm system that already boasted plenty of organizational depth -- particularly in pitching -- added to that talent pool this winter, with the acquisition of Noah Syndergaard, Travis d'Arnaud and Wuilmer Becerra. Two of those three have found a new home in the Mets' 2013 MLB.com Top Prospects list, with Syndergaard coming in at the No. 3 spot and d'Arnaud's name resting on the top line.
"I think we're pretty happy with where it is right now," Mets vice president of player development and amateur scouting Paul DePodesta said of the system. "Obviously, we can get it better, but we're really happy with the progress we've made. I think we're very strong from a pitching standpoint, both with high-end guys and a tremendous amount of depth."
Both d'Arnaud (No. 6) and right-hander Zack Wheeler (No. 8) are among baseball's Top 10 prospects, according to MLB.com's Jonathan Mayo. Wheeler came to New York in the 2011 deal for Carlos Beltran, and the two-time Futures Game participant shone in his 2012 season, split between Double-A Binghamton and Triple-A Buffalo.
He's part of what DePodesta considers an overall bright group of pitching prospects.
"Last year, we were fortunate -- our teams in the Florida State League, the South Atlantic League and the New York-Penn League all led their leagues in ERA, WHIP and strikeout-walk ratio," DePodesta said. "And they did it with six-man rotations and guys who were not known as marquee guys."
DePodesta also said the club has recognized and addressed potential shortcomings at catcher and shortstop, with d'Arnaud obviously becoming a franchise centerpiece.
"Our position players aren't as strong as our pitchers," DePodesta said. "There's still quite a few guys we like and some guys we think are going to do really well. We've really tried to address shortstop, catching in the last two years, both in the Draft and internationally. I think we feel really good about where we are in those spots."
Top 20 Prospects
It's the aforementioned d'Arnaud who headlines the Mets' Top 20 list, with a slew of hurlers following him. Wheeler is second, Syndergaard third and outfield prospect Brandon Nimmo fourth, ahead of right-hander Jeurys Familia.
Wheeler, who went 12-8 with a 3.26 ERA overall in 2012, is projected to see the big leagues in 2013 along with d'Arnaud, who hit .333/.380/.595 with Triple-A Las Vegas, while hitting 16 homers and driving in 52 RBIs.
Overall, 10 of the Top 20 Mets prospects are pitchers -- all of them right-handers -- with six considered either shortstops or third basemen. There are two catchers (Kevin Plawecki is No. 17, accompanying d'Arnaud on the list) and two outfielders. Nimmo, who hit .248 with six homers and 40 RBIs with Short-Season Class A Brooklyn, is the top-rated outfielder in the organization.
DePodesta mentioned Wheeler and Familia, along with right-hander Jenrry Mejia, as some top pitching arms for fans to keep an eye on this season, and potential contributors for 2013.
"All three guys have a chance of helping us this year," DePodesta said. "Mejia and Familia were up last year. They're three power arms -- 22, 23 years old, and all close. And they will all be competing for jobs early on in this season and will probably be available."
mets' top prospects
|Travis d'Arnaud
|Zack Wheeler
|Noah Syndergaard
|Brandon Nimmo
|Jeurys Familia
Under the radar
DePodesta certainly knows a talent when he sees it -- last year, he says, he considered right-handers Rafael Montero and Domingo Tapia as some under-the-radar talents, and they are ranked on this year's list in the No. 8 and No. 11 spots, respectively.
"These guys have a chance to be really good," DePodesta said. "Montero's come around quickly. We signed him in January 2011 in the Dominican, and he's coming to Major League camp. He's come through six levels already and hasn't missed a beat in any of them. … Tapia's a bigger arm. He's touched 100 [mph] on occasion. He usually tops out at 97-98, with good command, good sinker, good changeup."
This year, DePodesta points to right-hander Hansel Robles, who excelled with Brooklyn last year. Robles was 6-1 with a stellar 1.11 ERA that DePodesta says was a product of season-long consistency.
"He was in Brooklyn this past year and was absolutely dominant in the league, and I think if you were to include the playoffs, he had a consecutive streak of not giving up an earned run in over 40 innings," DePodesta said. "He goes 90-94 with a good sinker. Also very good command. Good slider, good changeup, has a good idea of what he's trying to do on the mound."
Hitter of the Year
d'Arnaud is certainly a star in the making, and DePodesta calls him "the biggest name," but there's plenty of good reason to believe Nimmo will have a breakout year. He was taken in the first round (13th overall) in the 2011 Draft and hit six homers for the Cyclones this season in a place that is not easy for young players to hit, particularly 19 year olds. Nimmo has plenty of raw power, a good feel for the strike zone, runs the bases well and is an average defender across the board.
Pitcher of the Year
With all due respect to Montero, who was the organization's Pitcher of the Year in 2012, there have been too many good things said about Wheeler to ignore him for this honor. He's been hyped since the day he was drafted by the Giants, and he has quickly risen through the Minors. Wheeler has grown from a thrower into a fully loaded pitcher and is poised to make an impact on the organization this year.
Joey Nowak is a reporter for MLB.com. Follow him on Twitter at @joeynowak. This story was not subject to the approval of Major League Baseball or its clubs.


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BIG shot!
Got to :30 seconds, and listen closely, as you can hear Ed: "Ahhhhhhhhhh. That's ma' f***in' n*gga! Ahhhhhh!"
Fun game, great ending.
BIG shot!
Got to :30 seconds, and listen closely, as you can hear Ed: "Ahhhhhhhhhh. That's ma' f***in' n*gga! Ahhhhhh!"
Fun game, great ending.
Twitter: @ReubenJRD NBA, Raptors writer for Daily Hive Vancouver, Toronto.
I need "AHHHHHH THATS MY FUCKING NIGGA AHHHHH" on a tee shirt.
That shot made my week for sure.
Thats got to be some sort of catchphrase from now on!
The Baltic Beast is unstoppable!
Lol that was classic, whats even more funny was Bargnani's reaction.
He looked envious.
Hello I'm the original gangsta and I approve this message.
Would. That was great. Didn't realize that till you pointed it out. Too funny.
Everyone loving the moment gotta love Ed lol Bargnani just not caring lmao Acy, Ed and Lucas bolting off as soon as the game is over to go congratulate him.
Finally Raps give a long overdue heartbreak win.
Love it but how can you know it is Ed???
vintage mj/kobe. already on of my top 5 moments in raps history
"the raptors were my fav team growing up"-kevin durant
i wish that DD shot all his long jumpers with such a nice, high arc..
Also, I think it said somewhere, I don't remember if it was Cathal Kelly's recap or Doug Smith's blog, but that we hadn't won on a buzzer beater since like 2006.....just wow (also the length of time we've had Bargs :P )
This is like picking on Jose for running to the bench for a second, before deciding to congratulate the guy who actually hit the shot. In other words, it's nitpicking just for the sake of picking on the guy.
Look, I'll be thrilled if we trade him for a decent return (a decent draft pick, a solid rotation player, etc). If not, I'm even fine with using the amnesty on him this summer, provided he doesn't find a solid and productive role off the bench when he's back.
My only fears are that: A) He continues to stink it up and has no trade value whatsoever; and B) They decide to start him at center, even if only until JV is back.
Sorry to hijack the thread.
I love watching the crowd's collective heads all drop in unison, lol.
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Dungeon Assault II: Part 1 - Second Assault
7th May 2009 Second Assault
The first Dungeon Assault utilises a key game mechanic that we want to build on here at FunOrb: the idea of an active offence and a reactive defence. Specifically, your raiders are the active, offensive element and your dungeon is the reactive, defensive element. This key principle of the game works well and was a real departure for us in terms of the technology required to make it work. Dungeon Assault was the first FunOrb game to keep a record of players' profiles active when they were offline.
Dungeon Assault was a very welcome addition to FunOrb and has provided a lot of gameplay hours for a lot of players. Its great fun. Personally, though, I am also a little bit disappointed with it. In hindsight, I know it is not all we could have delivered. So, back in January, we decided to give it what it deserves in the form of a sequel!
Our first objective was to sit down and discuss what the original doesn't do so well. "It's too random" was a very common statement, as was "it's not deep enough". We also knew that the game needed to be more engaging and involve more strategy. Finally, Dungeon Assault had a board game feel and, while this worked to a degree, it wasn't quite the effect we'd hoped for.
We then moved on to what the original game does well. We got back statements like "it's quick to play", "there's lots to unlock", "stuff happens when you're not there" and "it can be very suspenseful". Thus we had a plan for our prototype: to make it deep with more strategy and offer real interaction, but keep it quick to play, with lots to unlock, a suspenseful feel and things happening when you're not there.
We've now planned out the development path that the sequel needs to have and formulated the design documentation that the developer will work to. We've prototyped a lot of game mechanics and display elements and come up with a more engaging, less random and far more in-depth game than the original.
We've also worked to break down the problem that Dungeon Assault has when the 'end game' is reached: primarily the fact that it doesn't seem to have one. Its taken a few months to formulate the core design of the game and build the working prototypes that the developer is now building upon, and we feel that it is sufficiently solid in its design for us to start talking about it.
In the following diaries I'll hand you over to Mod Vile, the developer in charge of making this vision a reality. He'll be talking to you about how we plan to change the dungeon creation system, the raid mechanic, how you will be able to control the actions of raiders individually, and generally about how we are trying to make Dungeon Assault II everything that the original concept deserves to be.
Mod Korpz
Head of FunOrb


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The purpose of screening is early diagnosis and treatment. Screening tests are usually administered to people without current symptoms, but who may be at high risk for certain diseases or conditions.
There are no screening tests or screening guidelines for eczema.
Revision Information
- Reviewer: Michael Woods, MD
- Review Date: 12/2014 -
- Update Date: 12/20/2014 -


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"In an engagement with H.B.M.S. 'Guerriere' - the following named men were killed in action - 20 August 1812" (Navy casualty report)
James Ashford
Navy Casualty Report
- At sea, north of Boston
USS Constitution vs. HMS Guerriere
- At sea, north of Boston
[From a Fold3 Spotlight, May 17, 2013; written by Karen]
On August 2, 1812, the USS Constitution set out north from Boston in search of British merchant ships to raid. Instead they found the HMS Guerriere, a frigate in the British Navy, on its way to Nova Scotia for repairs. The ships spotted each other at about 5 p.m. on the 19th. The Guerriere, firing broadsides, shot first, and the Constitution, shooting from its forward guns, soon followed, although both ships were relatively ineffective. By an hour later, the_Constitution_ had closed the distance, and both ships began firing broadsides. The Guerriere sustained much heavier damage, due to the Constitution's superior guns and thicker hull and to the fact that the Guerriere was already in poor condition and needed repairs.
As a result of these broadsides, the Guerriere's mizzenmast fell overboard, dragging in the water and preventing the ship from maneuvering. This allowed the Constitution to fire a raking broadside that did even more damage. But as the Constitution came around to rake again, the rigging of its mizzenmast got tangled with the Guerriere's bowsprit. Both ships prepared boarding parties, but the sea was too rough for either to cross, so they began firing muskets at each other.
Eventually, the two ships broke apart, but the Guerriere's foremast and mainmast snapped off; not long after, its bowsprit broke too, rendering the ship completely useless. The Guerriere fired a shot in the opposite direction from the Constitution, signaling its surrender. The captain of the Constitution brought the survivors of the Guerriere onto his ship then sank the Guerriere, as it was too destroyed to bring back.
From the fight, the Constitution suffered 7 killed and 7 wounded, compared to the Guerriere's 15 killed and 78 wounded. As the British Navy was unrivaled at that point, the Constitution's victory proved to be an important morale booster for the Americans. In fact, the Constitution later became the inspiration for Oliver Wendell Holmes's famous 1830 poem "Old Ironsides."


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Merline Lovelace eBooks
Daughter of a career air force veteran, Merline Lovelace grew up at bases all over the world. Living in Newfoundland and France and almost half of the fifty states as a child sparked a lifelong love of travel she continues to indulge to this day. During her own twenty-three year military career, Merline served tours in Taiwan, Vietnam and at the Pentagon with the Joint Chiefs of Staff. When she hung up her uniform for the last time, she decided to combine her love of adventure with a flair for storytelling, basing many of her tales on her experiences in the service. Since then, she's produced one action-packed sizzler after another. She now has seventy published novels to her credit, many of which have made USA TODAY and Waldenbooks bestseller lists. Over ten million copies of her works are in print in thirty countries. Her books have won numerous honors, including the Romance Writers of America's prestigious RITA® Award—the Oscar of the publishing world. She's also very proud to have been named the Oklahoma Female Veteran of the Year and the Oklahoma Writer of the Year, adding her name to a roster of literary luminaries that includes Louis L'Amour and Tony Hillerman. Married for more than thirty-five years to the handsome hero she met her second day in the air force, Merline enjoys golf, travel and long, lively dinners with friends and family.


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Intel and Microsoft are two of the largest and most dominant companies in the technology industry. Both of the companies have also been accused of antitrust violations over the years and have at times been found guilty of the accusations.
Intel has been battling EU regulators over antitrust allegations claiming it abused it dominant market position to prevent its main rival, AMD, from gaining traction in the marketplace. The allegations claim that Intel was illegally paying computer makers to postpone or cancel the launch of products using AMD processors according to insiders close to the case.
Reuters reports that EU regulators are set to decide on Wednesday to fine Intel and order it to change its business practices. One EU executive claimed that Intel has practiced "naked restrictions" to competition in the market.
There is no indication at this time on how large the fine assessed against Intel might be; the largest fine ever assessed by the commission for abuse of a dominant position in the marketplace was the $655 million fine levied against Microsoft in March of 2004.
According to sources cited by Reuters, the EU commission is expected to rule that Intel committed two violations. One of the violations alleges that Intel paid computer makers to delay or outright scrap products using AMD processors. Intel is also said to offer other inducements to computer makers to get them to sell Intel only machines.
Intel allegedly set the percentages of its chips that PC makers had to use. NEC was told that 20% of its notebooks could use AMD CPUs according to sources. The source claimed that all Lenovo notebooks had to use Intel chips and many Dell products had to as well. HP is claimed to have been required to offer 95% of its notebooks with Intel processors. Intel had no comment on the claims and still maintains it did nothing wrong.


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A fifth of all child and teenager deaths in England have preventable causes such as accidents, fatal assaults, abuse or neglect, new research has shown.
Child death rates are also higher in the north than in the south of the country, and are closely linked to poverty, a series of studies found.
Each year around 5,000 infants, children and adolescents die prematurely in England and Wales.
Although the number is low relative to population size, the research authors stress that a large proportion of the deaths are preventable.
One study showed that between 2010 and 2011, 20% of deaths of children and teenagers aged 18 and under in England could have been avoided.
Preventable deaths were defined as "those in which modifiable factors may have contributed to death". Causes included accidents, suicide, deliberately-inflicted injury, abuse or neglect, and acute medical conditions.
Another paper found clear regional differences in child death rates in England and Wales. They tended to be higher in the Midlands and North than in the South and East.
The one exception was the North East, where death rates were relatively low.
Lead researcher Peter Sidebotham, from the University of Warwick, said: "What these variations in mortality tell us is that more could be done to prevent child deaths across all age groups.
" Although some contributing factors are relatively fixed, including a child's age, sex, and genetics, many environmental, social, and health service factors are amenable to interventions that could lessen risks and help prevent future deaths."
The study that exposed regional variations reviewed data on more than 4,000 infants and children aged 14 and under who died in England and Wales between 2009 and 2011.
For children aged one to four, the number of deaths per 100,000 of the population ranged from around 15 in the South East to 23 in the North West.
Among children aged five to 14, the rate varied between around eight per 100,000 in the East and South East to 10 in the North West and East Midlands.
Dr Sidebotham added: "It needs to be recognised that many child deaths could be prevented through a combination of changes in long-term political commitment, welfare services to tackle child poverty, and healthcare services.
"Politicians should recognise that child survival is as much linked to socioeconomic policies that reduce inequality as it is to a country's overall gross domestic product and systems of healthcare delivery."
Dr Hilary Cass, president of the Royal College of Paediatrics and Child Health, said: "We've known for some time that the UK performs badly compared to its western European counterparts when it comes to child mortality rates - but today's paper reveals the startling fact that one in five child deaths in England could be prevented. This is a serious wake-up call for both healthcare professionals and policymakers and we have to act urgently."


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Solid State Drives (SSDs) using NAND flash modules have many advantages over traditional mechanical hard disk drives. They can offer improved battery life, greater durability, shorter boot times, and much faster response times because they no longer require the use of spinning magnetic disks.
OCZ Technology has been very successful with their popular Vertex series of SSDs. Other companies have tried to emulate its good fortune, but have had to compete with lower prices than OCZ, which has been able to maintain a price premium
One of the keys to OCZ's success has been the Barefoot flash controller from Korean flash controller specialist Indilinx. Barefoot chips are affordable and offer superb random write speeds, something that most other controllers are lacking.
The company has been very aggressive in marketing the Vertex brand. It previously unveiled a Mac Edition, and entered into the enterprise market with the Vertex EX using Single Level Cell (SLC) chips to challenge mighty Intel.
OCZ also recently launched the Agility series which also uses the Barefoot controller from Indilinx, although with lower speed flash in order to cut costs. They chose not to use the Vertex name in order to avoid diluting their branding.
The new Vertex Turbo Edition, however, can only help boost the Vertex name. OCZ is overclocking the Barefoot NAND flash controller and the SDRAM cache in order to achieve additional performance. Regular Vertex drives have 64MB of SDRAM clocked at 166MHz, but Vertex Turbo drives will have them clocked at 180MHz.
"The new Vertex Turbo makes use of the fastest SDR DRAM cache available and a
proprietary FTL level firmware that provides an even faster solid state drive for
enthusiasts looking for the ultimate desktop or laptop storage upgrade," stated Ryan Edwards, Director of Product Management for the OCZ Technology Group.
The Vertex Turbo will be available in 30GB, 60GB, 120GB, and 250GB models. The 250GB Vertex Turbo has the best performance on paper, unlike the regular Vertex series in which the 120GB model had the top performance. It has maximum read speeds of 270MB/s and maximum write speeds of 210MB/s write speed -- sustained write speeds are listed at up to 120MB/s. Performance of the 120GB model is similar, with a maximum write speed of 210MB/s. The other models have performance figures approximately 25% lower.
Overall, figures provided by OCZ indicate performance that will be 10% to 20% higher with the Turbo series. Therefore MSRP pricing is set approximately 10% percent higher by OCZ, but e-tailers will sell it for less than list price. The first units are shipping to the channel this week, with retail availability expected next week.
OCZ is also extending the warranty of all their premium level SSDs to three years. This includes all Vertex and Summit drives including the Mac Edition and Vertex EX, but excludes the Agility series due to their low cost NAND flash. Customers who previously bought Vertex and Summit drives will also have their warranties extended from two years to three. The company cited consumer demand, differentiation from competitors, and confidence in their products as key factors in lengthening the warranty period.
"Extending the warranty makes the OCZ total solution even more robust for consumers, and OCZ believes that product quality should always come first," Edwards exclaimed.
"The confidence to back up that quality with a longer than industry average warranty is an added value for our complete spectrum of customers. Post sale service and support is simply part of the OCZ package, and now with any Vertex and Summit customers have an even longer period in which to leverage that added value."