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Article content
At a glance
- Zurich's new Engineering Combined product means you don't have to be an expert to sell the cover
- Unique offering of both insurance and inspection covers under single policy will simplify an often complex process for brokers
- Creates big opportunities for brokers to cross-sell additional lines of cover
Following on from extensive broker research conducted last year, Zurich is about to launch this exciting new engineering product into the market.
The new offering, called Engineering Combined, which will be launched in October, aims to simplify an often complex process for brokers. Insider caught up with Jason Knowles, Engineering Development Manager UK at Zurich, to find out more.
Q: So, Jason, can you explain the main benefits of the new Engineering Combined product?
A: It provides for inspections and seven different types of engineering insurance cover all under one policy for the first time. The product cuts down on paperwork and the issue of documentation. It also cuts down minimum premiums, so it is a very cost effective way to place numerous lines of engineering insurance cover.
It is a very cost effective way to place numerous lines of engineering insurance cover
Jason Knowles, Engineering Development Manager UK
Q: What was the reasoning behind the launch of the new product?
A: We conducted market research in March 2012, where we worked with a panel of over 100 brokers. We found that it was something that the market would like and would be a saleable product. We then worked closely with our broker partners to develop something they wanted and felt there was a gap in the market for.
Q: What else did the broker research find?
A: That the knowledge of some brokers on engineering insurance wasn't great. That is the rationale behind the new Engineering Combined product. You don't have to be an engineering expert to offer these other aspects of the cover. It is very simplistic. And when you think of how you get a simple cross-sell and up-sell to their customers it would be really beneficial for them.
Jason Knowles, Engineering Development Manager UK, talks about the Combined Product.
Q: So, the product will help brokers in their dealings with customers?
A: Very much so. The product will help brokers on the basis that you don't have to be an expert to sell it. The schedule will be provided and the schedule will show the seven different types of cover that can be included. The factsheet, highlighting the USPs that we will be sending out, will highlight what all of these covers are and where there may be gaps for their customers that they can fill as their broker and add value and add advice.
Q: Any other benefits?
A: It is going to be a big opportunity for the brokers to go out and cross-sell additional lines of cover, as well as increase their income and penetration with their customers. We've listened to the broker feedback and we have increased the sums insured in some of the sections accordingly.
You don't have to be an engineering expert to offer these other aspects of the cover. It is very simplistic
Q: Is this product unique to the market place?
A: There are variations on a theme available in the market but we strongly believe the clear and concise offering and diverse covers we offer are market leading.
Q: Why does the new product simplify the whole process?
A: It makes things easier for both ourselves and also for our brokers because it will be issuing one policy document instead of eight policy documents. So, it will mean a lot less time for brokers to process the document and less time spent writing invoices and accounting for it because all the covers are under one policy and one premium paid. You can also bundle up lots of different covers. So, in essence, it is a lot easier to transact.
Q: Finally, are you excited by the launch of the new product?
A: A:Yes, absolutely! It's not often that engineering launches a new product, and it's great to have been involved in the development and now the launch of this product.


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© 2018 ASAE All Rights Reserved. Powered by Higher Logic. Site by eConverse Media.


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Copyright year: 1997Publisher: ABC-CLIO, LLCPublication date: 11/25/1997Binding: HardcoverPages: 168Size: 6.50" wide x 9.75" long x 0.75" tall Weight: 0.990Language: English
Dennis Piszkiewicz is a scientist and college teacher. He has also written Wernher von Braun: The Man Who Sold the Moon (0-275-96217-2).
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More evidence that Juul is
Permalink Submitted by Stanton Glantz on Mar 18, 2019
More evidence that Juul is fighting hard to block the Sacramento City flavor ban
Last weekend Juul ran this ad in the Sacramento Bee touting all its efforts to reduce youth smoking. The only problem is, like its partner Philip Morris, these efforts are all designed to fail. If Juul was serious about stopping kid use, it would stop selling its flavored nicotine pods. But, of course, then it and its partner Philip Morris, wouldn't make all that money.
Another illustration about how hard Juul is working to kill the Sacramento bill is the fact that it has hired . Rob Fong as one of its local lobbyists. Fong is a former school board and city councilmember who is a close ally of Mayor Darryl Steinberg. They were law school roommates.


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Feed Yeast Market Analysis, Growth, Trends, Share, & Forecast to 2023
25/feb/2019 12:52:52 MarketsandMarkets Contatta l'autore
The feed yeast market is projected to reach USD 2.1 billion by 2023, at a CAGR of 5.27% during the forecast period. Feed to the use of antibiotics in feed and preference for yeast. In addition, with the ban on the use of antibiotics in feeds, most of the regions have led to high demand for feed and yeast products.
Make an Inquiry: https://www.marketsandmarkets.com/Enquiry_Before_BuyingNew.asp?id=108142106
On the basis of genus, the Saccharomyces Spp. segment is projected to be the fastest-growing segment during the forecast period.
Saccharomyces cerevisiae has been the most widely adopted yeast for various applications, including feed. Majority of the key players such as Associated British Foods plc. (UK), Cargill (US), and Lesaffre (France) have been providing feed yeast with Saccharomyces formulation. According to the FAO, besides Saccharomyces spp., Candida spp. has been gaining traction as a probiotic yeast in the North American feed application. Saccharomyces and Candida for the probiotic application in the feed industry.
The increasing awareness of the health benefits associated with the probiotic yeast has widened the scope of growth for the yeast market.
The use of probiotic yeast in ruminant feeds resulted in improved health and higher milk production. Similarly, in pigs, yeast triggers an immune response to reduce the entry of pathogens in the body and also reduce the occurrence of post-weaning diarrhea. With the increasing use of probiotics for animal nutrition, growth promotion, and gut health development, the probiotic yeast segment is projected to record the fastest growth rate.
On the basis of livestock, the aquatic animals segment is projected to witness the highest growth in the feed yeast market.
A rise in fish farming practices in the developing countries over the past 10 years. In addition, the increasing fish consumption in regions such as Europe and South America encourages fish farming, which would further drive the feed into the aquafeed segment. Supplementing feeds to the right supply of essential nutrients.
Speak to Analyst:
The Asia Pacific is projected to witness the highest growth in the yeast market during the forecast period.
As for the FAO figures of 2017, the consumption rate of meat products in East Asia had witnessed rapid growth. The consumption rate reached 50 kg per person in 2015 from nearly 9 kg per capita in the 1960s. However, the ban on the use of antibiotics as a growth promoter in the livestock sector across the European and North American countries has indirectly impacted the Asia Pacific countries. This has encouraged key companies of feed additives to develop natural growth promoters and health supplements. Since the ban, the livestock producers had identifiable antibiotic growth promoters with microbial-based feed additives, which possess antibiotic properties. Many key players such as Lallemand Inc.
Key Market Players:
There are many local and global players that provide yeast for different industry verticals including the feed industry, which holds a strong demand for yeast. Multiple companies are major suppliers of more than one industry, and therefore, the end-use applications for their products are not mentioned. Hence, the scope of this report includes a detailed study of those yeast and feed producers whose portfolio mentions the end use as feeds, such as Associated British Foods Inc. (UK), Archer Daniels Midland Company (US), Alltech Inc. (US ), Cargill (US), Angel Yeast Company (China), Chr. Hansen (Denmark), and Lesaffre (France). Various strategies such as acquisitions, joint ventures, and new product launches were adopted by companies, to enter the feed yeast market.
Recent Developments:
- In November 2018, Phileo (France), a subsidiary of Lesaffre, launched a new range Actisaf Sc 47 HR +. The product is a feed solution for animal species including ruminants, swine, and horses.
- In August 2018, Archer Daniels Midland Company (US) acquired Probiotics International Limited, a UK-based company, which deals with the manufacturing of natural healthcare and probiotic supplements for humans, pets, and animal nutrition applications. The deal was closed with USD 242.41 million in the UK. This acquisition would help the company to strengthen its product portfolio and market coverage.
- In January 2019, Ohly (UK), a subsidiary of Associated British Foods and Lallemand (Canada), entered into a strategic partnership for the development of the Ohly's Hutchinson Torula Yeast facility. The long-term supply partnership assured by the Hutchinson, to be distributed in the US market.


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Their results are published in the February issue of the American Journal of Epidemiology. If anyone has had chronic pain from arthritis like I have had it is worth trying MSM.
When you drink milk, your calcium levels in your blood suddenly rise above the usual mg. Bacteria also keep candida controlled and are involved in the immunological process Leaky Gut This term refers to a condition in which undigested particles are entering the blood steam through tiny holes in the intestinal wall.
In some people, the disease resolves spontaneously, and treatment relieves symptoms in three out of four people; however, at least 1 out of 10 people eventually becomes disabled.
The group taking fish oil reduced their NSAID usage by 59 percent compared to 16 percent for the placebo group. Donald E.
What you can do: Even if an initial course of methotrexate for the treatment of rheumatoid arthritis gives disappointing results, persistence may pay off. About a month into it I started getting a chicken pox-like rash on my neck and shoulder.
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See the section on food and rheumatoid arthritis discussed below. Some studies have found that fish oil, which contains omega-3s, may help with joint pain relief in certain people. Researchers believe that people who had depression before the onset of rheumatoid arthritis may be less responsive to their rheumatoid arthritis treatment.Wait!
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This is the first of a series of posts where I will be posting results from my research project. · Can the Mediterranean diet fight inflammation? WebMD gives you 4 easy ways to adjust your diet to help ease RA inflammation.
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rheumatoid arthritis supplements diet foods natural therapy herbs and vitamins. Depression is common in people with rheumatoid arthritis. If it isn't treated, depression may contribute to worsening of rheumatoid arthritis symptoms.


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Tents for Every Camping Need in South Africa
South Africa caters to camping enthusiasts, with a large selection of campsites and Bushveld to explore. The most important aspect of camping is that you need sleeping gear for a safe and comfortable night's sleep. Some people prefer to hook up their caravans to enjoy a nice soft bed at night. Others prefer a more authentic approach, packing tents, air mattresses, and sleeping bags to properly camp out. At Echo 4×4 Centre, we specialise in everything 4×4-related, including conventional and innovative camping gear and tents.
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Listings in Cryostats - All-Purpose, Pressure Gauges, Detectors - General and Graphics
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Premarital Counseling
Growing together in your relationship is important before taking the next steps toward marriage, so we made our premarital counseling options convenient.
Using the PREPARE/ENRICH curriculum, this option includes a personalized assessment online and a 3-pack of private counseling sessions. Each session is 50 minutes long, and all NFCC premarital counselors are PREPARE/ENRICH certified. Associated fees include $35 for the assessment plus $180-$240 for counseling sessions; counseling fees vary depending on which counselor you choose to work with. Many times and days are available to accommodate your busy schedule when you choose this option to enrich your relationship.
For couples who are marrying again and/or blending families, the two-day Blended Families workshop offers support & tools for the unique challenges blended families face. Led by two family counselors, topics include building relationships, parenting, discipline, resolving conflict & working with difficult emotions as well as former partners. The workshop includes a personalized PREPARE/ENRICH Parenting Assessment, and you must attend both days to receive credit. Associated fees include $35 for the assessment plus $135 for the workshop.
Call 713-402-5046 to schedule your premarital counseling today.
Learn about getting married at St. Luke's United Methodist Church and/or how to inquire about
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Axle Travel wants your trip to the airport to be fast and cheap. Here's how they plan to do it.
Your flight is booked. Your bags are packed. You're ready for vacation.
If you're bound for Pittsburgh International Airport you have a range of options, none of them perfect: You can drive and pay for parking, which can be expensive. You can go via the SuperShuttle, which can mean a circuitous route picking up other people. Or you can Uber or Lyft, which can cost upwards of $40 each way. There's always the inexpensive 28x Airport Flyer bus, of course, but you've got to get yourself and your luggage to a bus stop.
Be the first to know about our latest and greatest


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Midlake - The Courage Of Others
There's an air of trepidation just before the needle drops down. The Trials Of Vanoccupanther was my favourite album of the noughties so this carries lofty expectations on its twelve-inch shoulders. But 30 seconds into opener 'Acts Of Men' I realise everything is going to be okay.
The Courage Of Others finds a band more confident in their sound. ... Occupanther was like a first date - occasionally unsure quite where to put its hands, testing the water before diving in, yet still delivering a heady rush of endorphins from the mystery and uncertainty. Four years have passed and the relationship has grown. Things are more settled, the days of questioning the direction things are heading are in the past - there is a comfort and security from such familiarity. Love has grown, but this isn't complacency: no-one is eating with their mouth open whilst scratching their arse using a pencil.
This is a record that takes a while to reveal its beguiling charms. Whilst without question it's beautiful from the outset, it's not until the needle has lifted several times that the subtlety and depth start to come to the surface. Midlake's style has grown over time, from an initial uncertainty (which formed a significant part of their charm) they now find their feet and The Courage Of Others strides confidently forward, discarding fear and embracing their artistic convictions.
It isn't a reinvention - it simply distils everything perfectly. Guitars still chime, ringing out pure and open notes; the wind section textures the landscape as some of the most emotive and seductive vocal harmonies call out. It is simply gorgeous in every sense of the word. Amongst their peers there is no-one who sounds like Midlake.
'The Horn' could have been sung around the campfires of Robin Hood, proper old-school credentials. Medieval in the nicest sense of the word. Casting away all cares and worries from the 21st century with music so natural and organic. This reaches out to the soul with a wake up call to remind us of our own humanity and roots. We were never born to fight over the last seat on the train.
The finest moment is title track 'The Courage Of Others', invoking goose-bumps from the opening vocal gambit. Its stripped back splendour doesn't need any frills or make-up: The band just play and a warm glow slowly drifts over everything.
They couldn't have produced a follow up any better than this. While some of the mystery might have gone, infatuation is replaced with a more committed love. This one's a keeper.


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I thought you might like this.
Charts Suggest The Dow Index Is Being Painted To Get "New Highs" In The Market
July 12, 2019
By Pam Martens and Russ Martens
What we need today is a real life character like Vinny Gambini in the movie My Cousin Vinny to take over the questioning for the U.S. Senate Banking Committee – like Ferdinand Pecora did in the early 1930s to root out the systemic frauds in the stock market of that era. Gambini would haul the heads of equities trading for each of the major Wall Street banks and their Dark Pools to a hearing, put them under oath, and grill them about the highly suspicious trading activity that is going on in today's markets.
Let's start with what happened yesterday. In the face of punk earnings forecasts for the rest of this year and a growing global economic slowdown, the Dow Jones Industrial Average hit a historic milestone, closing above 27,000 for the first time. But the rising tide didn't lift all boats: eight of the Dow's 30 stock components closed in the red. Those stocks were Chevron, Verizon, McDonald's, Apple, Travelers, Johnson and Johnson, Pfizer, and Merck.
There was something else that raises suspicious red flags to veteran chart watchers. A big spurt in some of the Dow stock components magically occurred in the final 15 minutes of trading, like some mystical, invisible hand had decided to levitate these share prices before the closing bell.
This from our friend at Shadow Stats.
The Permanent Recession
July 15, 2019
Oops. Worse than pathetic. Using consistent accounting through time, we discover we have actually been in receding GDP (recession) since 2000 with the exception of one little bump in 2004. We don't want to admit that, so we we'll just ignore that by saying we improved our accounting methods over time.
And that is why I say "It's been a great recession" because we never actually left the Great Recession. Rather than the longest expansion in US history, we've been enduring the longest recessionin US history ever since the dot-com bust. The above chart shows the GDP growth rate, and the REAL GDP "growth" rate, which has actually been contraction, not growth, for the past two decades if measured by historic standards. So long as GDP is growing, (above 0 on the chart above), we're in expansion. Whenever GDP is shrinking (below 0 on the chart above), we're in recession.
So, when you see financial commentators writing or talking about "the longest expansion on record," this month, translate that in light of this article. It is only the longest expansion on record if you change the way you calculate GDP from the way previous records were calculated. It's sort of like saying, "This person ran the longest marathon in history," but not mention that we've reduced the length of the kilometer or mile by which we measure marathons.
As you said years ago, countries are moving away from the dollar.
India & Russia Will Use Their National Currencies For Defense Deals To Bypass US Sanctions – Report
July 15, 2019
Russia and one of the biggest importers of its weapons, India, have decided to use their national currencies to transfer payments for massive defense deals in order to skirt possible US sanctions, according to Bloomberg.
Moscow and New Delhi have been boosting their arms trade in recent months, with Russia selling submarines, ships, tanks and jets to its Indian partners and set to supply S-400 air defense systems to the country. India's procurement of S-400s, with a contract worth more than $5 billion, has triggered anger from one of the its largest trade partners, the US, which has warned India of possible consequences of the move.
The new payment method through the ruble and the rupee, agreed by the central banks of Russia and India, may avoid Washington's sanctions threat. It would enable India to make the first payment for two warships built by Russia, Bloomberg said, citing sources. It is not clear what vessels were implicated in this, but last year the two parties inked a deal for four Russian guided-missile frigates for the Indian Navy, two of which are being built in Russia's Kaliningrad region.


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far below, from the overlook by Robin C. Coppock
Red silt and sediment.
The gathered rust of tapered centuries
where weakly crumbled canyon clay
had turned to mud when there was water there
then dried to dust
along which treads
a faceless charcoal pencil-sketch wanderer,
erased at the edges,
indistinguishably gray.
His travels have kicked up
and crusted onto him;
the bottom layer of the valley
and the man
are blended inextricably.
The distant hazy view imagines
a moment of pause.
A glance to the sun,
whose highest heat is visible today.
Whose rippled sweat is dripping up
from out of dry clay earth.
The sun who sees what he cannot:
the path moves only onward,
never up.
You yell for him.
But he, too far to hear the echoes,
searches out the sky.
A numinous expansive blue,
divinity infused,
that finds its way inside his chest
and takes up space—
pressures the heart, splits ribs apart,
petrifies his breath.
And almost inadvertently he sees
your peering face
as indistinct to him as he is gray.
And so he knows there's someone at the top.
And so he knows he cannot stop.
Onward down eternal winding miles.
Robin C. Coppock


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Book Direct with the Owner at The Precinct Tavern with Accommodation Australia in Darwin City, for all your restaurant and Food Reservations.
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copyright © 2019 Accommodation Australia. All rights reserved.


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Hardcore Gamer: Local multiplayer is back, at least according to many of the indie titles that have cropped up on Steam recently. The latest on the block is Crawl, which pits up to four players against each other in an unusual action RPG.
N4G is a community of gamers posting and discussing the latest game news. It's part of NewsBoiler, a network of social news sites covering today's pop culture.


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- India
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- Padmavati Impex Pvt. Ltd.
Padmavati Impex Pvt. Ltd.
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Custom Made
Double Side Slit Maxi Slip On Echo Skirt - Custom Made
Regular price $90.00
This fun skirt is great for the warmer months but can also be worn in the colder months with a warm top and tights underneath. This maxi skirt is perfect for the beach, a family gathering, or a even a night out. It's super cozy, fun, and versatile, as well as lightweight, and breathable (perfect for spring and summer!). Customize for a perfect fit.
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Life threatening storms and tornadoes ahead. Severe weather continues to threaten parts of the Southeast into Wednesday. Get the latest news and updates on tornadoes in your area on weather.com The latest warnings, storms reports, analysis and news on this late-April tornado outbreak.
Tornado Outbreak, Severe Storms, Flooding Rainfall in the South.
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KeePass (2.x)
Today's Best Tech Deals
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Generic Company Place Holder KeePass (2.x)
KeePass solves an increasingly important dilemma: How to keep track of all of your passwords, whether they be for email services, Web sites, bank accounts, or what have you. Increasingly, we are inundated with passwords, with no easy way to keep track of them. KeePass does the job neatly.
When you first run KeePass, you create a new database where you store your passwords, and enter a master password. Only someone with that master password can get into the program to see the passwords. One nice touch is that as you type the master password, it shows you the relative strength (and therefore safety) of the password. You can also set other options as well, such as using GZip compression to keep down the size of the database.
Keeping track of your passwords is also easy. When you create a new KeePass entry, type in a title, your user name if any (such as for a Web-based mail account), the passwords, a URL, and any notes. If you'd like, you can have the program generate a random password for you, and you have plenty of different options for choosing the password strength, and how to generate it. Techies will revel in the features; everyone else will just ask the program to generate a secure, random password.
You can also store your passwords in different categories. By default, KeePass provides categories for General, Windows, Network, Internet, eMail, and Homebanking. But you can easily add your own, or delete existing ones.
KeePass is useful for those who want a simple password-protection program, but also those who want to automate the input of passwords. Automating password input is not for the faint of heart and is quite difficult to do. Most people won't find it worth their while. But if you're technically inclined and like to fiddle and troubleshoot, and don't mind not getting any help, you may want to give it a try.
Overall, KeePass is a very useful program for anyone who has plenty of passwords to track, and it doesn't hurt that it's free, either.
Generic Company Place Holder KeePass (2.x)
KeePass is a free, open source, light-weight and easy-to-use password manager.
- Simple to use; Generates random passwords
- Difficult to use the automation feature
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Squeeze have announced they will tour the UK in November and December - and offer fans instant post-gig recordings of each set via a 'pop-up shop'.
Founding members and songwriters Glenn Tilbrook and Chris Difford will play 22 nights (see below for full listings) and will move from the stage to the pop-up shop each night.
Fans will then be able to buy a recording of that evening's show which will include the first new Squeeze songs for 14 years....
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But the biggest shock of the night when Sami Zayn defeated Braun Strowman for the right to replace him in Sunday's Money in the Bank match. Shane McMahon interrupts. Lashley and Elias attack Miz and Reigns, setting up a tag team match.
Shane McMahon pulled Roman Reigns off the turnbuckle just when The Miz was ready to make the hot tag.
The Miz and Roman Reigns defeated Elias and Bobby Lashley by DQ due to interference from Shane McMahon.
The ex-WWE Champion then transformed into a dark, eerie and demonic character that the WWE Universe has never seen before. Because of Bliss' luggage trouble, Nikki is replacing her in tonight's Fatal 4-Way Match.
Double-champ Becky Lynch' attempt to throw hands with Evans and Flair turned back on her when she was double-powerbomed through the signing table by Flair and Evans.
Elsewhere Baron Corbin handed the high-flying his first loss on the red brand.More news: Phoenix Suns Forward Josh Jackson Arrested at Rolling Loud Festival
More news: Donald Trump Leaves $325B Additional China Tariffs in Question
More news: WhatsApp exploit allowed spyware to be installed via voice call
Bliss, who did commentary during the match, walked to the ring, picked up a ladder and climbed to the top to unhook the briefcase with the help of the ex-NXT star.
- Backstage scene where Cesaro jokes to Rey Mysterio that his son Dominick looks like Samoa Joe leads to a brawl between Mysterio and Cesaro.
Wyatt hosted another Firefly Fin House episode that saw him revealing a secret.
Zayn has now taken Strowman's place at the Men's Money in the Bank Ladder Match.
- It's worth noting that AJ Styles has not worked any of the live events on the current WWE tour of Europe. Styles has worked multi-man matches on RAW and SmackDown since then, except for the singles win over Baron Corbin on the April 22 RAW. Drew McIntyre also gets involved, DDTing Strowman onto a chair, but he still won't stay down for a three count.


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Property Code : PropertyCrow5654
Share This Project :
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Total Songs From The Woods in Uday Baug, Pune by Total Environment Builders is a residential project. The project offers 3 BHK & 4 BHK A...
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1-day only: Over 210 dining deals in S'pore at up to 64% off on 27 June 2019
Prices start from $0.80.
Chope, the all-in-one dining platform, is celebrating their eighth birthday this month with a birthday flash sale – Expect to find incredible dining deals for anyone and everyone.
ChopeDeals Birthday Flash Sale is a one-day-only extravaganza starting at 12am on 27 June, so you might want to "chope" your friends and family to get ready to save on their next meal.
What you can look out for
There will be over 210 dining deals up for grabs, at up to 64% off, including a variety of 1-for-1 deals, including signature mains, signature items and buffets.
If you use DBS PayLah! and check out with the code <PAYLAH8>
Got fast fingers?
You can expect flash deals that will give you an even lower price for great deals starting from $0.80 at 3 timings during the day – 12pm, 6pm and 8pm.
Here's some of the flash deals for your easy reference:
● 12 pm deals
○ G Chop House – Signature Chicken Chop Set @ S$0.80 (U.P S$8.40)
○ Denzy Gelato – 1-for-1 Single Scoop @ S$0.80 (U.P S$9.20)
○ Chunky Lobsters @ VivoCity – Lobster Roll Set for 2 @ S$25.00 (U.P S$39.80)
○ Pince & Pints Restaurant and Bar (Duxton) – S$60 for S$100 cash vouchers (U.P S$100)
● 6 pm deals
○ Tsukiji Fish Market Restaurant – S$60 for S$100 cash vouchers (U.P S$100)
○ Mitzo – S$60 for S$100 cash vouchers (U.P S$100)
○ Potato Corner @ JCube – 1-for-1 Jumbo Fries @ S$0.80 (U.P S$8.60)
○ Thai Tanic Live Seafood Hotpot – Buffet @ S$35 (U.P S$70.50)
● 8 pm deals
○ Vatos Urban Tacos – S$60 for S$100 cash vouchers (U.P S$100)
○ SMÖÖY @ OUE Downtown – Twister Froyo by SMÖÖY @ S$0.80 (U.P S$5.90)
○ Froroll – 1-for-1 Signature Frocup @ S$0.80 (U.P S$10.40)
○ Windowsill Pies -1-for-1 Windowsill Pies @ S$5.00 (U.P S$16.00)
Stuck in traffic or behind your desk at the time of the flash deals?
Not to worry, the following deals can be purchased at any time on 27 June from midnight onwards.
Featured deals
7-Course Omakase by Ichida Dining
Ichida dining provides quality and affordable Japanese food, and their signature omakase presents a variety of sushi, sashimi, seafood and meats to satisfy any customer's Japanese food cravings.
Get Deal: 7-course Omakase by Ichida Japanese Dining at S$50 (U.P. S$103.57)
Plain Vanilla
View this post on Instagram
October rolls around again with its cooling weather as we slip into the last quarter of the year. We can only hope the weather stays this way, if only to pretend we were sitting by a fire whilst having the S'mores, or sitting outside in our imaginary garden polishing off the Butterscotch Honeycomb. Our October special flavours are available at all four of our stores and for pre-order from now until 31 October 2018. #pvbakery #plainvanilla #plainvanillabakery
View this post on Instagram
We kick off 2019 with two special flavours that are as well-loved as they are different from each other. Our January special flavours, Peanut Butter Fudge and Honey Almond Apricot, are available at all our stores and for pre-order from now until 31 January 2019. #plainvanillabakery #plainvanilla #pvbakery
Pretty artisan cupcakes that are perfect for a sweet tea time break or a morning boost. Makes for great Instagram pictures too.
Get Deal: Buy 2 Get 2 Free Cupcake Set by Plain Vanilla @ Telok Ayer or Plain Vanilla @ ION for S$8.40 (U.P. S$16.80)
Signature Steak Set by Braseiro
Unlimited Fries. 200g Ribeye steak and Nacho cheese sauce. That's all you need to know.
Get Deal: Signature steak set at S$19.90 (U.P. S$31.54)
Founder Bak Kut Teh
This restaurant has been serving up hot, piping bak kut teh since the 1970s. Even with plenty of side dishes and options, nothing beats a simple bowl of bak kut teh, dough sticks, and chilli soya sauce.
Get Deal: Founder Bak Kut Teh Set by Founder Bak Kut Teh (Bugis Point) @ S$13.90 (U.P. S$20)
Mister Wu
Dim Sum that combines traditional favourites with modern flavours. Nice place to bring the parents or the parents-in-law over.
Get Deal: Dim Sum & Tea Buffet, Monday to Friday, 6:30pm to 9:30pm @ S$31.90 nett for 1 pax (U.P. S$63.80)
Saturday 11:30am to 2:30pm, 6:30pm to 9:30pm @ S$31.90 nett for 1 pax (U.P. S$63.80)
Korea Fusion BBQ
Good old Korean BBQ that is an affordable buffet haunt as well. Keeps the tummies and wallets of the budget-conscious happy.
Get Deal: Buffet @ S$10 per pax, Monday to Thursday, 11:30am to 2:30pm (U.P. S$21.28 per pax)
Thai Tanic Live Seafood Hotpot
Featured frequently on social media for its wide range of live seafood, meats, sauces and whatnot, this is where you can eat and feel like a king. There are even de-shelling services, so go ahead and be spoiled rotten.
Get Deal: Weekday Live Seafood Hotpot Buffet @ S$42.30 nett for 1 pax, inclusive of 1 soup base, Monday to Thursday. (U.P. S$70.50)
A full list of deals can be viewed on ChopeDeals. You can also download Chope's app on the Google Play Store or Apple App Store.
Happy eating!
This article is brought to you by Chope, who made this writer so hungry she had to eat before finishing this article.
Top image via Chope and Ichida Japanese Dining's Facebook page
If you like what you read, follow us on Facebook, Instagram, Twitter and Telegram to get the latest updates.


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2011 Honda FCX Clarity Price Analysis
2011 Honda FCX Clarity Retail Prices
These prices reflect the current national average retail price for 2011 Honda FCX Clarity trims at different mileages. They are based on real time analysis of our 2011 Honda FCX Clarity listings. We update these prices daily to reflect the current retail prices for a 2011 Honda FCX Clarity.
MSRP (also known as the sticker price) stands for the Manufacturer Suggested Retail Price. This is the manufacturer's recommended price for the vehicle, including optional equipment.
The Invoice Price of a vehicle is the amount that a dealer pays to the manufacturer for the vehicle. The dealer's profit is the difference between MSRP and Invoice plus any manufacturer-to-dealer incentives.
Cars compared to 2011 Honda FCX Clarity
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LexisNexis® CLE On-Demand features premium content from partners like American Law Institute Continuing Legal Education and Pozner & Dodd. Choose from a broad listing of topics suited for law firms, corporate legal departments, and government entities. Individual courses and subscriptions available.
DURHAM, Ore. — (Mealey's) Oregon on April 25 dumped its failed Patient Protection and Affordable Care Act (ACA) state exchange at an agency board meeting, with the governing body unanimously adopting a technology workgroup suggestion that the federal exchange provided the most reliable and least costly option going forward.
Cover Oregon, the state program governing the exchange, spent $181,580,585 on it over the course of three years, according to documents presented at the Cover Oregon Board of Directors meeting.
During the meeting, officials said they considered 10 other options, which they quickly narrowed to three. Those options were using the federal exchange, importing another state's exchange technology and fixing the current exchange.
Officials noted that Maryland is importing Connecticut's exchange, with which it shares technology, at a cost of $45 million. In addition to cost, officials noted that such an option presented other challenges, including technology issues and the fact that it had never been done.
Fixing the current exchange would require an estimated 390,000 man hours at a cost of $78 million, officials said. Officials said this exceeds the available resources.
Neither option allowed the state to meet its goal of having a fully functional exchange by November, the officials said.
Going Forward
The move will leave Oregon responsible for front-end outreach, education, management and some oversight, according to officials. At a minimum, the move will requiring bifurcating the process for obtaining Medicaid from the process for obtaining private insurance through an exchange, officials said.
The move will leave the state's exchange website, coveroregon.com, as a mere gateway to the healthcare.gov website.
During public comments, an individual warned that pending litigation could result in courts stripping penalties and premium support for individuals enrolled through the federal exchange. That case, Jacqueline Halbig, et al. v. Kathleen Sebelius, et al., No. 14-5018), is pending before the District of Columbia Circuit U.S. Court of Appeals.
The came after a day after Oregon technology chief Alex Pettit recommended the move. Pettit made his recommendation during a Cover Oregon Technology Options Workgroup meeting.
According to coveroregon.com, the state received a $1 million federal grant covering the first year of the exchange and a $48 million grant to create a prototype exchange designed to be a model for other states; in January 2013, it received $226 million to "operationalize" the exchange.
The exchange was considered a White House favorite and potential model for other states at one point. However, Cover Oregon delayed opening the exchange after reportedly experiencing difficulties bringing it online. According to reports, the exchange never became fully operational. As a result, Oregon delayed the close of open enrollment until April 30, according to reports. Open enrollment in the federal exchanges closed March 31 with an exception for complex cases.
Despite the exchange's problems, Cover Oregon reportedly enrolled 224,586 individuals through April 15. Of that, 65,963 enrolled in private medical insurance and 158,623 enrolled in the Oregon Health Plan, which covers low-income individuals. After calculating for cancellations and terminations, the state enrolled 62,287 individuals in private medical insurance.
In March, Cover Oregon Acting Director Bruce Goldberg resigned.
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Final Fantasy Creator Hironobu Sakaguchi Receives GDC Lifetime Achievement Award
posted on by Rafael Antonio Pineda
The 15th annual Game Developer's Choice Awards will award a Lifetime Achievement Award to Hironobu Sakaguchi this year. The GDC Awards ceremony will takes place at the Moscone Convention Center in San Francisco on March 4 at 6:30 p.m.
Sakaguchi was an employee at Square since its inception as an independent company in 1986. He was employed as director of planning and development and created the first Final Fantasy role-playing game. (Its name was a reference to his plan to leave game development if the game was unsuccessful.) He went on to direct four other games in the Final Fantasy franchise, and was the producer on nine more until Final Fantasy X-2. The franchise eventually spawned films, and anime OAVs and television series, such as Final Fantasy: The Spirits Within, Final Fantasy Unlimited, and Final Fantasy VII: Advent Children.
He also produced Vagrant Story, Parasite Eve, and Kingdom Hearts, and other Square titles. In 2004, one year after Square merged with rival company Enix to form Square Enix, Sakaguchi left Square to found Mistwalker, which went on to make the Blue Dragon, Lost Odyssey, The Last Story, and Terra Battle video games.
Tim Schafer will host the Game Developer's Choice Awards ceremony, which is open to all Game Developer's Conference attendees, and will also be streamed by Gamespot and Twitch.tv.
[Via VG 24/7]


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Vaan and penelo relationship counseling
11 Final Fantasy Couples That Saved The Games (And 9 That Hurt Them)
Vaan complains to a counselor how he hates being. From the looks of the DS FFXII revenant wings, looks like you and Penelo are the official pairing. in a relationship who is predominantly bottom and/or The equivalent for. there a romance (implied or not) going on between Vaan and Penelo? that their relationship did not exceed that of close childhood friends. A list of characters from Final Fantasy XII and its sequel Final Fantasy XII: Revenant Wings. Note that some spoilers are unmarked. Party Members An .
Not to mention the world of FF12 clearly distinguishes relationships for those in power, as the typical form of marriage we see amongst royalty even today: The secret ending of Revenant Wings has Vaan pick up and carry off Penelo. Penelo's existence is more tied to Vaan and looking out for him. Based on the ways many marriages work, and that the two can't untie themselves from one another.
Vaan because he really likes Penelo and can't be without her, and Penelo because she cares more for Vaan than for anyone else, and can't help but try to be there for him in some capacity I just don't think in any story we've been shown any actual romance has occurred between them, but then Matsuno stories tend to avoid romance, and at best give subtle and polite hints at the type of relationship.
Larsa is benign, helpful, and courteous.
Penelo | Final Fantasy Wiki | FANDOM powered by Wikia
He seems to enjoy knowing he has a calming presence and can direct people in a manner that would benefit themselves, and in so doing, ripple outward and benefit himself and his people. He just generally puts people first. Probably due to his overwhelming sense of self confidence and respect.
Even if he makes a mistake, he coolly embraces it. So he finally decided to go see a pairing counselor. But little did he know that he is merely going to be used as another fan material. I'm actually paired with him more than I do with Penelo or the other two main female characters!
And why am I always the one being the ignorant blushing boy in Balthier's arms? Firey, elbow popped on her cheek, a clipboard for doodling rather than taking notes, obviously bored.
I actually used a search engine and checked that. How do you know I won't like Penelo?
Except fandom don't CARE. He'd be paired with Aeris or Tifa.
BUT the fandom think they are cuter. I can do whatever I want. I am merely providing you with the truth. As of June at any rate.
Vaan and Penelo? [Archive] - Eyes on Final Fantasy Forums
The classic guidelines establish the uke by appearance shorter than the seme, more childish, mostly light-haired, cute faces, effeminate in relation to the 'dom' seme's appearance taller, more masculine, olderoften regardless of the characters' personality. Wait a minute…" he looks up in a frown.
And you're the most uke. Eww, dude, Basch is totally too muscular. When you and Balthier just met, he grabs you in the stomach and lifts you up, in the Nalbina Dungeons, he fights with you for the three ugly pigs or whatever.
The fact that you want to be a sky pirate also adds to fan material. Type 1 applies to all ukes, usually. There are many different "styles" of ukes that are used in anime and manga: Ukes are usually seen as a younger characters who are shorter, younger, or otherwise have an appearance slightly more "cuddly" than handsome.


text:
Nicolas Jaar: An Interview
It was right at the beginning of 2011 that the 20 year old New York producer Nicolas Jaar began attracting attention with his precociously assured debut Space Is Only Noise. For a producer who somehow walks the line between a quietly mannered and organic approach to sound creation, the last few months must have been a bolt of static interference; his gargantuan tour schedule was, essentially, an intense and punishing victory lap broadened to include the festival circuit for the first time, while his Darkside side-project with Brooklyn sound artist Dave Harrington has also gained traction, with any developments closely scrutinised by critics and bloggers itching for their next Jaar fix. Now, as one of the busiest summers of his career winds down, we took some time out with him backstage at the EB Festival Budapest to find out how he's doing.~ Photo: www.myqua.com
You've had a hectic summer: touring with your band and performing solo, plus you also did a couple of gigs with the Darkside project. Of those setups, which is your favorite?
I like having the combination of things because just before I get tired of one thing I go and do something else. It keeps me interested. And they are all similar in a way, they're not that different.
Are there any plans for you and Dave Harrington – your collaborator with the Darkside project – in the near future?
We're finishing the album now. That's the next thing that I want focus on doing. It feels right for me at the moment.
Visual elements seem to have quite an important role in your production, a 'less is more' aspect. You used one of your father's original black and white photographs for the Space Is Only Noise album cover and you designed your own music player in the form of a sophisticated-looking aluminium cube. You're also responsible for the minimalist design of the website for your own label Clown And Sunset. Do you find it important to find the right balance between music and visual art?
I am a big fan of graphic design. Anything that's related to the creation of an aesthetic is really exciting to me. At the beginning, one of the main reasons why I started my label's site was because I wanted to be able to update the website, to change it and do nerdy things with it. I think there was a moment when very experimental music was coming out with really cool artwork and then more people listened to it. Now I feel like you can have really terrible pop music with really hip artwork, it's like trying to make the product cooler by the art.
Your father is a well-known conceptual artist. Have you ever thought about doing a collaboration with him?
Apart from being his son? In Berlin I played at a party after his opening, that was the first time. I played a lot of my father's favorite music and I also improvized a lot. I basically dedicated that show to my father.
You have done several podcasts in the past for Resident Advisor, Tsugi, XLR8R and most recently the BBC Essential Mix. Do you have a specific vision with those mixes before you start making them?
I'm always making new edits because most of the time, if I like a song, I don't really want to just play it – I want to play it in a certain way. For the Essential Mix I had basically ten edits that I hadn't put out and I wanted to show these edits, therefore those were the basis for the mix. There is no conscious decision, it's just what feels right.
What I especially like about the Essential Mix is that every single time I listen to it I discover something new to it.
Nice! It's weird because it kind of felt like making an album to me. It felt like that's my album for this year, but it's weird because it's not anything official. I did put a lot of heart into it, I realized I had been doing it forever but I've never put those edits in a mix. It really says what I wanted to say. Two hours is a long time so you have to do something real and honest.
What you deliver in your mixes can be perceived as a musical education for our generation. Your music is heavy on jazz and soul influences and that might inspire the listener to look up the track list and do further research into those musical fields.
In a way I think the best thing that can come out of my mixes is when someone says, "Wow, I don't really like solo piano so much but I like this piano piece". Then they look up who that Keith Jarret person is or they might end up buying Gonzales' new album. That is a good thing because it's good for music.
Could you name an absolute favorite record in your collection?
Lately, something which has provided a lot of information and beauty has been Druqs by Aphex Twin. That album has either the most beautiful ambient pieces or the craziest, fast and agressive electronic music. It speaks to me because it's either church music or this crazy intense city drug club thing. I'm not saying one is better than the other, it's just really intense and they're both there. And in this record it's so clear, it just fits what's happening right now in an incredible way.
Any up and coming artists to look out for?
Will Epstein is pretty amazing. He not only plays in my band but he also makes his own music, he plays the saxophone. His music alone is probably the best music I've heard in a long time. He is definitely doing something pretty amazing right now. Also, Daniel Bortz is doing some good stuff. I recently played with him in Munich and I've heard some of his mixes; he's definitely interesting.
Have you ever had difficulties playing for an audience because the atmosphere just didn't feel right?
Of course that happens – that's the worst part. I wasn't expecting to play for thousands of people, my music was never meant for that. The most difficult thing about connecting with an audience is when the sound is bad. I think it hurts everyone but it hurts me a lot because half of what I do in a studio is making a sound. Being aware of my music, I'm pretty sure when we have a good sound then we can do whatever we want and if we don't we simply can't. All I want to do is to give what is in there, and when there are so many things stopping that from happening it's very sad, The most difficult part of being a performer is when exterior factors have an effect on the music.
And finally: do you prefer playing clubs or festivals?
It depends, but personally if I could play for a hundred people every time that would be great. Right now I'm doing this long tour, my first big tour with a lot of festivals as well, for two reasons: 1. I wanted to know what it is like as I have never done it before and 2. Now I want to make music for several months without going on tour. I'm very happy and excited about that. ~
Nicolas Jaar works From Scratch in New York
Nicolas Jarr will be taking part in a five hour live, multi-discipline performance at New York's MoMA PS1 next month. From Scratch is presented in collaboration with Clown & Sunset Aesthetics, which is the "interdisciplinary culture house" Jarr runs with filmmaker Noah Kraft. The five hour show will see Will Epstein, Sasha Spielberg and Dave Harrington all collaborate with Jaar musically on stage, although exactly how is not clear. The show also features a dance piece by Lizzie Feidelson and sound & video art from CSA's resident filmmaker Ryan Staake.
Check out this video from the CSA website. Either Jaar has a supreme sense of irony, or he has not been paying attention to Richie Hawtin's more bombastic projects.
Untitled from NICO JAAR on Vimeo.
Pitchfork will present From Scratch On Sunday, February 5 from 1-6 p.m.
Nicolas Jaar breaks his love for free, plays music
The intoxicating life of a touring musician is over and it's back to school for Nicolas Jaar . Since the release of his debut album Space is Only Noise in early 2011, the New York based, Chilean born musician has been on the road pretty much all the time. The 21 year old producer was studying comparative literature at Brown University, Rhode Island until he became one of the most talked about artists of this and the past year, largley thanks to his Wolf + Lamb connection. Therefore he'll be swapping samplers for university books for now and not playing any live shows until 2012.
As a parting gift Jaar is currently giving away his latest single, titled 'Don't Break My Love' (which you can listen to and download from the player embedded below). And there's another little treat: alongside Azari & III (mind their Electronic Beats recommended tour with When Saints Go Machine), Nico put together a 'Six Mix' for BBC Radio 6 last sunday. The show is up for stream for another five days, and it's definetly worth the listen: Jaar collected music that inspired him when growing up, followed by his current favourites – such as Animal Collective, Lil Wayne, Missy Elliott and Cat Power (which is an obvious pick since he was spinning her Rolling Stones cover version, the same one that Nikita Quasim used for her sweet Clown & Sunset mix).
Furthermore, Jaar started a new project, titled Darkside, where he's collaborating with his band member and guitarist Dave Harrington, they'll be releasing a self-titled three track EP on Clown & Sunset on December 5th which you can pre-listen here.
Last but not least (and as mentioned below): the first Nicolas Jaar shows in 2012 are already popping up – see below.
Nicolas Jaar Band live:
January 15th NL-Amsterdam – Melkweg
January 17th DE-Hamburg – Ego
January 19th, 2012 DE-Munich – Rote Sonne
January 20th, 2012 FR-Brest La Carène (Salle des Musiques Actuelles)
January 22nd FR-Paris – Le Trianon
January 26nd IT-Rome – Goa Club


text: Galena after Pyromorphite pseudomorphs from the Kautenbach Mine are unique, and these old German classics have always been highly sought-after. The pseudos reach up to 1 cm across, and are very sharp. The tabular forms of the crystals are stacked and offset, almost en echelon, and have very good definition and size. The largest cluster of metallic, sparkly Pyrite is about 1.6 cm across, and it adds a nice contrast to the metallic, grey Galenas. I had not seen this association before! The piece is aesthetic and displays nicely in almost any direction. These are all old specimens, quite literally, dating to the 1860s and before. Fantastic 1866 label included.


text:
This analysis was prepared by non-partisan legislative staff for the use of legislative members in their deliberations. This analysis is not a part of the legislation nor does it constitute a statement of legislative intent.
As Passed Legislature
Title: An act relating to the delivery of insurance notices and documents by electronic means.
Brief Description: Concerning the delivery of insurance notices and documents by electronic means.
Sponsors: House Committee on Business & Financial Services (originally sponsored by Representatives Vick, Kirby and Haler).
Brief History:
Committee Activity:
Business & Financial Services: 2/7/17, 2/8/17 [DPS].
Floor Activity:
Passed House: 2/28/17, 98-0.
Senate Amended.
Passed Senate: 4/5/17, 48-0.
House Concurred.
Passed House: 4/13/17, 96-0.
Passed Legislature.
Brief Summary of Substitute Bill
Majority Report: The substitute bill be substituted therefor and the substitute bill do pass. Signed by 11 members: Representatives Kirby, Chair; Reeves, Vice Chair; Vick, Ranking Minority Member; J. Walsh, Assistant Ranking Minority Member; Barkis, Bergquist, Blake, Jenkin, McCabe, Santos and Stanford.
Staff: Peter Clodfelter (786-7127).
Electronic Delivery of Insurance-Related Notices or Documents.
In 2015 the Legislature established that any notice to a party or any other document required under applicable law in an insurance transaction or that is to serve as evidence of insurance coverage may be delivered, stored, and presented by electronic means so long as it meets the requirements of the Washington Electronic Authentication Act (Act). Pursuant to the 2015 legislation, and separate from any requirements under the Act, various requirements must be met before an insurer may deliver notices and documents electronically to a party, including through electronic mail (e-mail).
The party to receive electronic notices or documents must affirmatively consent to that method of delivery. Consent may later be withdrawn. Before giving consent, the party must be provided with a clear and conspicuous statement informing the party of the following:
the party's right to withdraw consent and of any conditions or consequences that may be imposed in the event consent is withdrawn;
the types of notices and documents to which the party's consent will apply;
the party's right to have a notice or document in paper form; and
the procedures a party must follow to withdraw consent to have a notice or document delivered by electronic means and to update the party's e-mail address.
Additionally, before giving consent, the party must be provided with a statement of the hardware and software needed to access and retain any electronic notices or documents. And the party must consent electronically, or confirm consent electronically, in a manner that reasonably demonstrates that the party can access information in the electronic form that will be used for notices or documents if consent is given. After consent is given, a change in hardware or software requirements necessary to access or retain an electronic notice or document may require an insurer to provide the party with information about the hardware or software changes, the party's right to withdraw consent, and other disclosures.
An insurer must deliver a notice or document by another delivery method permitted by law, other than electronically, if the insurer attempts to deliver the notice or document by electronic means and has a reasonable basis for believing that the notice or document has not been received by the party, or the insurer becomes aware that the e-mail address provided by the party is no longer valid.
Washington Electronic Authentication Act.
The Act, enacted in 1996, is separate from the Insurance Code. The Act allows the use of digital signature technology in electronic transactions and creates a process for the voluntary licensing of certification authorities. The Office of the Secretary of State is responsible for implementing and administering the Act. The focus of the Act is digital signatures, which are different than electronic signatures. Although not all electronic signatures are digital signatures, all digital signatures are electronic signatures. Digital signatures can give the recipient reason to believe the message was sent by the person who claims to have sent it, and that it was not altered after being sent.
The Act defines an electronic signature as a signature in electronic form attached to or logically associated with an electronic record, including but not limited to a digital signature. A digital signature is an electronic signature that is a transformation of a message using an algorithm that provides a secure key pair such that a person having the initial message and the signer's public key can accurately determine the following:
whether the transformation was created using the private key that corresponds to the signer's public key; and
whether the message has been altered since the transformation was made.
Under the Act, certification authorities may become licensed by the Secretary of State to issue certificates to subscribers. A subscriber is listed in a certificate, and holds a private key that corresponds with a public key. The subscriber can use the private key to affix a digital signature to a document, which another party can verify the validity of using the public key of the subscriber. The Act imposes duties on certification authorities as well as on subscribers of certification authorities.
Where a law requires a signature, or provides certain consequences in the absence of a signature, the Act establishes that the law is satisfied by a digital signature if the following conditions are met:
the digital signature must be verified by reference to the public key listed in a valid certificate issued by a licensed certification authority;
the digital signature must have been affixed by the signer with the intention of signing the message; and
the recipient has no knowledge or notice that the signer either breached a duty as a subscriber or does not rightfully hold the private key used to affix the digital signature.
However, the Act also provides that it does not preclude a mark from being valid as a signature under other applicable law.
Summary of Substitute Bill:
Electronic Delivery of Insurance-Related Notices or Documents.
In any notice to a party or any other document required under applicable law in an insurance transaction or that is to serve as evidence of insurance coverage that is delivered, stored, or presented by electronic means, an electronic signature is the equivalent of a digital signature for purposes of satisfying the requirements of the Washington Electronic Authentication Act.
Appropriation: None.
Fiscal Note: Available.
Effective Date: The bill takes effect 90 days after adjournment of the session in which the bill is passed.
Staff Summary of Public Testimony:
(In support) This is a technical cleanup bill. In 2015 the Legislature enacted a law to allow for the electronic posting and delivery of insurance notices and documents. It was based on model legislation, enacted in many other states. The law was a result of the Office of the Insurance Commissioner (OIC) and stakeholders working together to bring the insurance industry into the twenty-first century. The intent of the 2015 legislation was to simplify insurance transactions and align insurance industry standards with standards for other types of commercial transactions. Unintentionally, the 2015 law references digital signatures, which are a more elaborate form of electronic signature. Digital signatures require encryption and other technical requirements that greatly impair the usability of the law. The use of electronic signatures is consistent with the intent of the 2015 legislation and with other commercial and consumer transactions. The underlying bill simply strikes the reference to the Washington Electronic Authentication Act, the source of the digital signature requirement. However, it was subsequently determined that doing so may have unintended consequences. So, stakeholders worked with the OIC to develop an alternative approach to solving the problem and there is an agreed-upon amendment to the underlying bill.
(Opposed) None.
Persons Testifying: Representative Vick, prime sponsor; Mel Sorenson, Property Casualty Insurers Association of America and American Council of Life Insurers; Lonnie Johns-Brown, Office of the Insurance Commissioner; and Steve Buckner, MetLife.
Persons Signed In To Testify But Not Testifying: None.


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