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renal agenesis(redirected from Bilateral renal agenesis)
Also found in: Acronyms.
re·nal a·gen·e·sis
absence of one or both kidneys, most commonly unilateral with absence of the ipsilateral paramesonephric duct and its derivatives; renal function is normal as long as the remaining kidney is intact; bilateral or complete renal agenesis is associated with Potter facies and neonatal death.
renal agenesisThe absence of one or more kidneys, which, if bilateral, is universally fatal.
Molecular pathology
Renal agenesis is associated with defects of RET and UPK3A.
renal agenesisNeonatology A rare disease characterized by bilateral RA, low-set floppy ears, a broad, flat nose and lung hypoplasia; infants with bilateral RA die shortly after birth; infants with unilateral RA have normal lungs and are asymptomatic in neonatal period
Renal agenesis
Failure of the fetal kidneys to form. Oligohydramnios usually associated with absence of both kidneys.
Mentioned in: Polyhydramnios and Oligohydramnios
pertaining to the kidney. See also kidney.
renal abscess
results from infected emboli and infarcts. Usually without localizing signs unless they are very large and palpable, or when they extend into the renal pelvis and cause pyelonephritis.
renal adenoma
rare, incidental necropsy finding.
renal agenesis
failure of the renal tissue to develop; unilateral agenesis causes compensatory hypertrophy in the single kidney; bilateral is fatal. Commonly accompanies genital tract malformation.
renal artery
see Table 9.
avian renal hemorrhage
sporadic unexplained disease of turkeys; sudden death is common.
renal biopsy
is conducted usually with a biopsy needle introduced percutaneously through the flank. In food animals it is possible to fix the left kidney via a rectal manipulation, but the right kidney can be impossible to reach.
renal calculus
see urolithiasis.
renal capsular cyst
see feline perirenal cysts.
renal carcinoma
commonest in old male dogs. They are very large, spread locally and metastasize widely.
renal casts
see urinary cast.
renal clearance tests
laboratory tests that determine the ability of the kidney to remove certain substances from the blood. See also phenolsulfonphthalein clearance test, inulin clearance.
renal cortical fissures
external fissures created by the lobar structure of the large ruminant kidney.
renal cortical hypoplasia
see renal dysplasia (below).
renal cortical necrosis
results from patchy or complete renal ischemia and is part of the terminal state of many diseases, e.g. severe metritis, grain overload in cattle, azoturia in horses.
renal countercurrent system
see countercurrent.
renal cyst
incidental necropsy finding except for polycystic kidney disease. See also feline perirenal cysts.
renal cystadenoma
inherited as an autosomal dominant trait in middle-aged German shepherd bitches with generalized nodular dermatofibrosis.
renal diabetes insipidus
see nephrogenic diabetes insipidus.
renal dialysis
the application of the principles of dialysis for treatment of renal failure (below). See also hemodialysis and peritoneal dialysis.
renal diverticuli
diverticuli of the renal pelvis.
renal dysfunction
reduced capacity to excrete metabolic products which accumulate systemically and are detectable clinicopathologically by renal function tests. The early stage of uremia.
renal dysplasia
small, misshapen kidneys at birth. May be caused by intrauterine infection of the fetus by virus, but numerous inherited renal dysplasias occur in dogs. They occur in several breeds and are manifested by signs of chronic renal insufficiency, e.g. polyuria, polydypsia, poor growth and weight gain, pale mucous membranes, and renal secondary osteodystrophia fibrosa, from an early age.
renal erythropoietic factor
renal failure
inability of the kidney to maintain normal function. Impairment of kidney function affects most of the body's systems because of its important role in maintaining fluid balance, regulating the electrochemical composition of body fluids, providing constant protection against acid-base imbalance, and controlling blood pressure. See also kidney.
renal function tests
include blood urea nitrogen and serum creatinine estimations, tests of concentrating ability, tests of ability to excrete test substances, e.g. phenolsulfonphthalein (PSP) clearance test. Of the urine tests, only specific gravity (SG) has any significance in terms of a function test but abnormalities of urine should lead to a function test being conducted.
renal hilus
a fissure on the medial border of the kidney through which arteries, veins and ureter enter.
renal hypophosphatemic rickets
inherited as an X-linked dominant trait in children and mice; characterized by hypophosphatemia and normocalcemia due to failure of phosphate resorption in renal tubules, and skeletal deformities. Called also vitamin-resistant rickets.
renal infarct
results from embolic or thrombotic occlusion of renal arteries or branches. Clinical signs are those of renal colic initially followed by toxemia if the infarct is infected.
renal insufficiency
see renal dysfunction (above).
renal ischemia
a significant cause of renal dysfunction and cortical and medullary necrosis. Is usually part of a general state of shock, dehydration and severe toxemia.
renal lobe
a large mass of a kidney, comprising the tissue contributing to each pyramid; kidneys may be unilobar (unipyramidal), e.g. cats, dogs, small ruminants, horses, or multilobar (multipyramidal), e.g. cattle, pigs.
renal lobule
small masses of kidney tissue comprising a medullary ray and its associated nephrons.
renal medullary necrosis
necrosis of the renal medulla due to restriction of blood flow in medullary vessels, usually due to venous occlusion.
renal medullary washout
see medullary solute washout.
renal mineralization
see nephrocalcinosis.
renal osteodystrophy, renal osteitis fibrosa, renal osteitis fibrosa cystica
see renal secondary hyperparathyroidism.
renal oxalosis
deposition of oxalate crystals in renal tubules of patients poisoned by dietary oxalate, usually in poisonous plants.
renal papillae
see renal papilla.
renal papillary necrosis
necrosis of renal papillae due usually to obstruction to urinary flow or poisoning or dehydration.
renal pelvis
the chamber in the kidney into which the collecting tubules discharge urine and from which urine is voided into the ureter.
renal plasma flow
the effective rate of blood flow through the kidneys; the determining factor relative to the rate of glomerular filtration.
renal portal system
a system unique to birds; half to two thirds of the blood supply to the kidney comes from the hindlimbs via veins and terminates in peritubular capillaries where it is mixed with arteriolar blood coming from the glomeruli.
renal rickets
see renal secondary hyperparathyroidism.
renal shutdown
cessation of the excretory function of the kidney; oliguria.
renal spongiform encephalopathy
spongiform encephalopathy associated with renal failure.
renal tubular casts
see urinary cast.
renal vein thrombosis
commonly associated with renal amyloidosis in dogs.


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Pet Project: Siamese mix needs real home, second chance
Marquize, a handsome Siamese mix, has endured an incredible run of hard luck.
First, he was abandoned by his owners when they moved. Then he hung around the empty apartment complex for shelter — until it was demolished.
Rescued from starvation and the dangers of the street by Save a Stray, the kitty was made available for adoption. But so far that hasn't happened, either. And so he waits in hopes that things will finally look up.
Adoption is the goal — and it should have happened long ago. Save a Stray volunteers took 2-year-old Marquize to a local pet store every weekend for a while, thinking that someone would surely choose him.
His soft, pale fur is so pretty! Unfortunately, he didn't adapt well to the enclosure or the crowds.
So foster care was tried and has turned out to be a good temporary answer.
Things should be even better if Marquize can be permanently placed in a calm home with an understanding adoptive family.
And the blue-eyed kitty, though still a little shy around strangers, will probably provide plenty of purrs once adopters earn his trust.
"All this cat needs is a chance," one of his rescuers says. "He has the potential to be a great companion."
How to meet Marquize: Just call Save a Stray's Life at 210-648-2287. An appointment can be set up to suit your schedule and convenience.

subset: commoncrawl


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Politics & Government
U.S. believes Syria may have used chemical weapons; experts offer caution
Even as lawmakers pressed President Barack Obama on Thursday to take more aggressive action in Syria, questions surfaced among experts and from within the U.S. government about the strength of the evidence showing that chemical weapons have been used in that nation's 2-year-old civil war.
White House officials set off a fervor on Capitol Hill when they acknowledged for the first time that the United States had received some evidence that Syrian President Bashar Assad had used chemical weapons, the lethal nerve agent sarin in particular.
Secretary of Defense Chuck Hagel told reporters Thursday in Abu Dhabi that the conclusion had been made in the previous 24 hours.
"We cannot confirm the origin of these weapons, but we do believe that any use of chemical weapons in Syria would very likely have originated with the Assad regime," he said. "As I've said, this is serious business. We need all the facts."
But experts say the reports should be met with some skepticism because of the small amount of sarin that was found, the lack of widespread deaths and injuries, and inconclusive U.S. intelligence assessments.
The intelligence findings cited in a letter from the White House to Capitol Hill on Thursday were of "low or moderate" confidence, said a U.S. intelligence official who requested anonymity in order to discuss the classified reports.
Another person familiar with the issue, who asked not to be further identified because of its sensitivity, said that only a minuscule trace of a "byproduct"– a toxic residue left behind after use of a nerve agent, and which he did not identify – had been found in a soil sample.
"They found trace amounts of a byproduct in soil, but there are also fertilizers that give out the same byproduct," the person said. "It's far from conclusive."
Obama has long resisted significant involvement in Syria, despite repeated calls to help end the bloodshed in the war-torn country. But he has said repeatedly that the use of chemicals weapons would trigger what he called a "red line" and lead to greater intervention.
So far, the United States has provided hundreds of millions of dollars in aid to Syrians seeking to overthrow the Assad regime and has called on the United Nations to investigate the possible use of chemical weapons. That inquiry has been blocked by Assad.
"After two years of brutal conflict, it's past time for the president to have a robust conversation with the Congress and the American people about how best to bring Assad's tyranny to an end," said House Speaker John Boehner, R-Ohio.
Sen. John McCain, R-Ariz., called the disclosure "a game changer."
Lawmakers of both parties are calling on Obama to provide a safe area for the opposition to operate, to establish a no-fly zone and to offer weapons to the resistance.
"It is clear that we must act to assure the fall of Assad, the defeat of extremist groups, and the rise of democracy," said Sen. Robert Menendez, D-N.J., chairman of the Senate Foreign Relations Committee. "We must do everything possible to prevent the regime's use of chemical weapons and to ensure those stockpiles are secure."
Administration officials said that all options are on the table, but they cautioned that it is too early to judge whether the U.S. should get further involved. Information about the quantity of sarin and the injuries or deaths caused by it were not released, and administration officials raised questions about the chain of custody of physiological evidence.
Two of the world's leading experts on chemical weapons not privy to the details of the assessments urged caution.
Jean Pascal Zanders, a senior researcher at the European Union Institute for Security Studies, said that a video broadcast internationally showing the effects of the alleged attack doesn't necessarily comport with a sarin attack. He said it could represent a number of other problems, including drowning.
And there were other possible red flags in the video.
"Why only one person?" he said, referring to the video showing one patient it said was a victim. "Why do I find the hospital setting, again, unlike what I would expect in a case of chemical exposure? Why is the guy 'foaming' in the hospital, considering the rapid action of sarin." Zanders explained that without an antidote, death is possible within one minute after exposure to sarin.
Richard Guthrie, formerly project leader of the Chemical and Biological Warfare Project of the Stockholm International Peace Research Institute, said the number of those affected appears low. He said, for example, the Tokyo underground attacks in 1995 that involved a small amount of sarin resulted in 13 deaths and more than 1,000 wounded.
"Any kind of a large-scale attack would have left a lot of dead, and a lot more showing symptoms," Guthrie said.
Even if there was certain sarin contamination, he said the apparent small effect would raise questions about whether it might have been the result of a mistake, a rebel attack somehow damaging a Syrian chemical weapon in transit, or as happened on several occasions in the Iran-Iraq war, a single poorly labeled artillery shell being used accidentally.
"Even that would seem to fall short of a red line," Guthrie said.
After Hagel's statement, the White House released a letter to McCain and Sen. Carl Levin, D-Mich., chairman of the Senate Armed Services Committee, who on Wednesday had asked Obama for information about Syria.
"Our intelligence community does assess with varying degrees of confidence that the Syrian regime has used chemical weapons on a small scale in Syria, specifically the chemical agent sarin," wrote Miguel Rodriguez, the White House's director of legislative affairs.
Earlier this week, U.S. officials, including Secretary of State John Kerry and White House spokesman Jay Carney, declined to say whether the United States agrees with three major allies – Israel, Britain and France – that Syria had used chemical weapons. They did an about-face Thursday.
"We've seen the White House do a 180," said Reva Bhalla, a Middle East analyst at Stratfor, a private global intelligence firm.
Bhalla said the White House was under growing pressure to at least acknowledge its allies' findings.
There's no debate about whether Syria has a chemical weapons stockpile. International experts agree that the Assad regime is believed to have hundreds, if not thousands, of weapons filled with chemical agents.
David Lightman and Hannah Allam of the Washington Bureau contributed.


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Another killer shoot with the amazing team at Freda Salvador. We explored some of the less known corners at Bimbo's 365 in SF to get these shots.
Another killer shoot with the amazing team at Freda Salvador. We explored some of the less known corners at Bimbo's 365 in SF to get these shots.
The summer travel bug has hit me hard, so I'm thinking about this time capsule on Lake Como from a couple years back and I'm dreaming of a lake-side palazzo to call my own.
I get to photograph amazing women like Eliza Hittman. Such a pleasure and an honor; she is an all-around badass.
I am so excited for my friends at IMPOSSIBLE FOODS – they're making meat free meat that's so tasty I crave it on the regular.
I love living in San Francisco.
So excited that I can finally share the photos from my biggest cookbook project to date — Chrissy Teigen's Cravings.
Exploring old, derelict places is one of my favorite things; the prickly feeling that danger could be around the next corner, imagining the people who used to fill the space, feeling like there's a secret that you've been let in on.
Those who know me know I love coffee. And I have some serious affection for Blue Bottle. Shooting their new culinary program for it's launch was a dream assignment, a match made in caffeine heaven if you will.
Funny story about a small world: Last month, I was shooting at the Manresa Bread kitchen in Los Gatos for the soon-to-be-launched Modern Luxury Silicon Valley and while there, I was introduced to a guy named Roy with a panettone business who was renting kitchen and office space from Manresa.
Last year I teamed up with a talented crew from Weldon Owen to work on the cookbook to accompany William Sonoma's new Airfryer.
Angelo Garro is a renaissance man; he owns a (great) salt company, cures a wide assortment of meats in a wooden larder in a corner of his expansive wine cellar and fermentation cave, he is a blacksmith, an avid chef, a hunter of wild boar, and it goes without saying, a bon vivant.
Shooting for Bon Appétit has been a dream of mine for as long as I can remember, so this full page beauty is BIG in my world.
When one of my favorite San Francisco-based brands, Everlane, asked me to photograph Chad Robertson of Tartine for their "Know Your Food" campaign
Hands down the biggest, most exciting project I've worked on to date is Chrissy Teigen's cookbook. It's not out until February 2016, but here's a sneak peek.
A couple of months back, I was commissioned to shoot a series of images for Appleton Estate Rum. It was a fun, messy day and I don't mind telling you that we wrapped the day by helping ourselves a couple of delicious cocktails.
I love them.
Last month, the San Francisco Chronicle commissioned me to shoot a series of stories for their Home and Design Magazine, to be published over the next few months. The first one to run was one of my favorites – a rambling mansion in the Eastlake neighborhood of Oakland.
Last summer California Olive Ranch brought me on board to photograph some of their growers in California's Central Valley.
Beretta has been one of my favorite restaurants since the day it opened. It's been a go-to birthday dinner spot in my inner circle for years and I have spent countless Sunday brunches on the outside patio indulging in too many cocktails and eating shameless amount of pizza. It's one of those restaurants that has become a San Francisco landmark for me.
By far, my favorite part of what I do is the people, and one of the people that I always look forward to working with is artist Mark Baugh-Sasaki. He's one of the kindest, most generous humans out there and I think his art is super rad.
Working with FREDA SALVADOR is always a dream. Those women are creative powerhouses and I feel lucky every time we shoot together. I love their product, I love their aesthetic, I love their team, I love the whole package. For Spring 2015 we shot at Left Space Studios with the ever stellar Shawn Burke on hair and makeup and Megan and Cristina, founders of FREDA, on styling. Alexis Hutt with Look was our model and she was phenomenal, like magical awesome so much fun. Count this one as one of my recent favorites.
Richie Nakano makes some damn good food. His stand at the San Francisco Ferry Building has been a staple for a few years now and I was so excited when I heard he was opening up a permanent base in the Mission.


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Infiniti's full-size, luxury, V-8 powered SUV is here! Discuss this fine, powerful beast here!
Use this control to limit the display of threads to those newer than the specified time frame.
Allows you to choose the data by which the thread list will be sorted.
Order threads in...
Note: when sorting by date, 'descending order' will show the newest results first.
Forum Rules


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Community Forum
Greg London on August 12th, 2009
I recently went ahead and purchased the latest version of Post Affiliate Pro 4, a.k.a. PAP4, to help aid me in my pursuit to set up an affiliate program for my sign up bonus website. My original goal was to set up the affiliate program on my own so I could both study and learn […]
Continue reading about My experience setting up Post Affiliate Pro 4 not too bad


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ISKCON Desire Tree - Devotee Network
Connecting Devotees Worldwide - In Service Of Srila Prabhupada
Videos (Categorised)
Back to Godhead Subscription - English
E–सलाह Hindi
|An Appeal About Us Donate Contact Us
Hare Krsna!!
Wish you a very happy KC b'day, May lord Sri Krsna & Smt. Radha Rani blessed you always. & we pray to supreme personality of
godhead (Krsna) that this is our last
birth in this material world & we never take birth again in this material
Hari Bol
© 2019 Created by ISKCON desire tree network. Powered by


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Product Information
Accent your headlights Lights fade in and out Simple mounting
Plasmaglow Lightning Eyes LED headlight trim is the easiest way to give your car, truck, or SUV the unique look you've been wanting! This slim flexible light strip is specifically designed to bring you the popular new style of LED running lights found on late model luxury vehicles. These Lighting Eyes fade in and out in whatever color you choose showcasing an awesome breathing affect that will make all of your friends go "WOW!" You can also select the standard Lighting Eyes in a range of colors that will add extra flare to your vehicle. Last, but not least there is the Duo Lighting Eyes, which show off two different color options at a time.
The Plasmaglow LED headlight trim shines at an angle 90 degrees off the surface, so they can be mounted in the tightest locations allowing light to shine perpendicular to the mounting surface. Designed to be mounted under your headlights, this thin flexible LED strip is invisible while it is turned off, but features extremely bright LEDs when illuminated. Plasmaglow LED Headlight Trim kit includes two 19 inch strips or two 26 inch strips can be cut to length to fit any headlight housing perfectly.
They offer easy application with super thin 3M adhesive that allows for stick on mounting. At less than 1/16″ thick, the Plasmaglow Lightning Eyes LED headlight trim kit can be used for a variety of other applications including door panels and gauge clusters.
All Plasmaglow Lightning Eyes LED headlight trim items are backed with a one year warranty.
The Plasmaglow Lightening Eyes LED headlight trim by Plasmaglow is an easy at home no drill installation. For additional information please call us at 877-216-5446.


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Collink and ATKAM:
- Does the GOM show more miles/km?
- kWh/100 km or miles/kWh are showing correctly?
Atkam wrote:Some additional information of my integration:
jkenny23 wrote:collink or Atkam, where did you tap into the contactor power lines to determine the state?
It seems like you need to switch out your pack within 200ms before any errors could occur based on some DTCs I found in the service manual.
IssacZachary wrote:Of course the more sensible thing to do is patiently wait until Tesla 3's, Chevy Bolts and Gen 2 Leafs can be bought as cheap used cars.
goldbrick wrote:I paid about $10k for my new model S after all the rebates and tax credits...
IssacZachary wrote:How in the world did you pay only $10,000 on a NEW TESLA MODEL S?
Please feel free to tell me your secrets!


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Recruitment Consultant - Driving
- Recruiter
- Sharna Associates Rec2Rec
- Location
- Oxfordshire
- Salary
- 25000.00 GBP Annual + 00
- Posted
- 05 Nov 2018
- Closes
- 21 Nov 2018
- Sector
- Healthcare, Recruitment to Recruitment
- Job Function
- Recruitment Consultant
- Contract Type
- Permanent
- Hours
- Full Time
- Up to ??25K+ Plus commission
- Multi-million-pound recruitment business
- National Network of Offices
- A Range of benefits including health care, pension and money off vouchers
- Significant growth and genuine career opportunities
- Full training and support plus ongoing training and bite size courses
- Friendly well-established teams
You will be an experienced recruiter ideally with 1+ years' experience, who is a self-motivated and a pro-active individual. This is an opportunity to elevate your career within a corporate group. Strong candidate attraction and business development skills are essential. Be ambitious with a strong track record within Driving sectors.
- On-Call duties
- Contacting new and existing companies to discuss their staffing requirements
- Sourcing all classes of drivers to match the requirements of your clients
- Establish and maintain long lasting relationships
- Becoming a trusted advisor to your clients through provision of outstanding candidates and excellent communication and regular client liaison
- You will be confident over the phone and face to face and will ideally have knowledge of the local area
Reply to Shabaan in the very strictest of confidence
We are a professional recruitment to recruitment consultancy offering career opportunities and consultancy. All communications with us are treated with respect and discretion.
Due to the high volumes of applications we receive, we cannot acknowledge or respond to all applications. If you have not heard from us within one week, please assume you have not been selected for an interview.
Confidential | Ethical | Approachable | Flexible | Expert


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Classy's toolset provides the structure we need to host fundraising campaigns that are unique to our community and representative of our brand. Tamara Ruggiero Vice President of Public Affairs American Kidney Fund
Build trust with beautiful & intuitive design.
Supporters expect beautiful, modern design from all the brands they interact with. With Classy, the bells and whistles come standard, so you can build compelling pages without a line of code.
Powerful yet simple customization.
Every organization and campaign is unique. Choose from a whole roster of customizations that let you enable, disable, and tailor features for any scenario.
Personalize your communication.
Tailor supporter communications that make each connection with a supporter relevant and meaningful. Powerful email design and preview options keep your message on point for every campaign you run.
Website Customization
Design with your supporters in mind
Classy comes with powerful creative control right out of the box, but you can take design a step further with the Classy APIs. Beautiful and seamless fundraising experiences on your website can be directly integrated with the Classy platform.
- Domain masking
- Every Pro account comes with your own custom domain (with our URL hidden). Example: www.give.example.org
- Replace our logo with yours
- Maintain the trust with your donors by easily replacing our logo to match the look & feel of your brand.
- Your own social media
- Integrate your own social media accounts to campaigns & events to leverage your entire supporter base.
- Form customization
- Customize form fields, giving levels, recurring donations & more on a campaign by campaign basis.
Our philosophy has always been that our software should be a natural extension of your brand. Joe Callahan VP of Design Classy


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The most beautiful airport in the world?
With no queues, no baggage checks and such a stunning back drop, could this be the most beautiful Airport in the world? I think so....
Milford Sound Airport; the gateway to the magnificent Milford Sound set in the breathtaking Fiordland.
The flight into this airport is just breathtaking as you fly over the full length of the Sound before touching down. Once you land you step out of the plane to see the full majestic beauty of the area.
No grey arrivals hall or grumpy security guards here!
You can fly into Milford Sound from Queenstown and the flight takes around 45 minutes flying first over Queenstown, then taking in the amazing scenery of Fiordland and Mt Aspiring National Park before reaching Milford Sound.
If flying isn't your thing you can base yourself in Te Anau and jump on a coach through to Milford Sound.
You won't want to sleep as the scenery is breathtaking. There are some great places to stop on the drive up including Mirror Lake.
The trip through Homer Tunnel is an experience in itself (and a little scary too!)
Article by
Mainstay Hotels New Zealand Ltd
No other New Zealand Hotel Group can rival our range of locations and number of properties. When traveling either with a group or independently, it's easy to find a Mainstay Hotel in your area


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Phantom Ranch (Grand Canyon, Arizona)
Reached by foot, mule, or river, this mostly dorm-style retreat is the only lodging below the Canyon's rim. Trek to Roaring Springs waterfalls, tackle Class III rapids on the Colorado, or hike to Yaki Point for the best sunset in the entire Canyon.
More information: Reservations are available 13 months in advance and are not available online. [from $44; grandcanyonlodges.com].Back to top


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SEATTLE, WA - 08/09/2018 — Ashis G. Banerjee, Ph.D, Assistant Professor of Industrial & Systems Engineering and Mechanical Engineering at the University of Washington was just recently selected as Top Engineer of the Year for 2018-2019 by the International Association of Top Professionals (IAOTP) for his outstanding leadership and commitment to the profession.
While inclusion with the International Association of Top Professionals is an honor in itself, only a few members in each discipline are chosen for this distinction. These special honorees are distinguished based on their professional accomplishments, academic achievements, leadership abilities, longevity in the field, other affiliations and contributions to their communities. All honorees are invited to attend the IAOTP's annual award gala at the end of this year for a night to honor their achievements. www.iaotp.com/award-gala
With having over a decade of professional experience in Engineering, Dr. Banerjee has certainly proven himself as an extraordinary professional, and expert in the field.Dr. Banerjee is a dynamic, results-driven leader who has demonstrated success not only as an Assistant Professor in Industrial & Systems Engineering and Mechanical Engineering for the University of Washington but also as a Research Scientist. Dr. Banerjee's impressive repertoire of prior roles have included Research Scientist in Complex Systems Engineering Laboratory for General Electric Global Research; Research Scientist for Computer Science and Artificial Intelligence Laboratory for Massachusetts Institute of Technology; and Postdoctoral Associate in Computer Science and Artificial Intelligence Laboratory for Massachusetts Institute of Technology.
Throughout his career, Dr. Banerjee has received many awards, accolades and has been recognized worldwide for his outstanding leadership and commitment to the profession. For 2019, he is being considered to be featured in TIP (Top Industry Professional Magazine), and is also being considered for IAOTP's Male Visionary of the Year Award.For 2018 he was selected as Top Engineer of the Year by the International Association of Top Professionals (IAOTP).In 2013 he received the Above and Beyond Silver Award from General Electric Global Research and in 2012 received the Most Cited Paper Award from the Computer-Aided Design Journal.
Aside from his successful career, Dr. Banerjee is a sought after scientist, educator, and has published numerous articles in professional journals to share his visionary knowledge. He was invited to present his work at the inaugural University of Southern California symposium on the "Futures of Robotics" and the 2011 IEEE/RSJ International Conference on Intelligent Robots and Systems anniversary workshop on "20 years of Microrobotics: progress, challenges, and future directions."
Dr. Banerjee received his Bachelor's in Manufacturing Science and Engineering from the Indian Institute of Technology in 2004, his Master's of Science Degree in Mechanical Engineering and Ph.D in Mechanical Engineering from the University of Maryland. Stephanie Cirami, President of IAOTP stated, "Choosing Dr. Banerjee for this honor was an easy decision for our panel to make.Dr. Banerjee's awards, accolades and accomplishments are extremely impressive.He has tremendous foresight, extensive knowledge, is brilliant at what he does and was exactly what we were looking for.We are truly honored to have him as our Top Engineer of the Year and we are looking forward to meeting him at the gala."
Looking back, Dr. Banerjee attributes his success to his education, mentors he had along the way and his passion for research.He says his work is very gratifying and hopes that others will consider a career in Engineering.When not working, he enjoys traveling and spending time with his family.For the future, he hopes to continue making a difference in people's lives any way that he can.
For more information on Dr. Banerjee please visit: http://faculty.washington.edu/ashisb/
About IAOTP
The International Association of Top Professionals (IAOTP) is an international boutique networking organization who handpicks the world's finest, most prestigious top professionals from different industries. These top professionals are given an opportunity to collaborate, share their ideas, be keynote speakers and to help influence others in their fields. This organization is not a membership that anyone can join. You have to be asked by the President or be nominated by a distinguished honorary member after a brief interview.
IAOTP's experts have given thousands of top prestigious professionals around the world, the recognition and credibility that they deserve and have helped in building their branding empires. IAOTP prides itself to be a one of a kind boutique networking organization that hand picks only the best of the best and creates a networking platform that connects and brings these top professionals to one place.
For more information on IAOTP please visit: www.iaotp.com
Media Contacts:Company Name: iaotp


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In Twilight book, the story took place in Forks, Washington. But the movie Twilight, was filmed mostly in the Portland Area. The Twilight movie were filmed in the following locations in Oregon and Washington.
High school scene - Kalama HS in Kalama Washington ( see pictures ). Kalama High School was shown in Twilight, New Moon and Eclipse.
The water fall scene - Multnomah Falls in Columbia River Gorge 20 miles east of Portland (see pictures )
The prom scene - View Point Inn in Columbia River Gorge, near Corbitt, Oregon ( see pictures and link ).
The beach scene - Cannon Beach, Oregon ( see pictures ).
Charlie Swan's house - 184 S 6th St, Saint Helens, OR ( see picture )
Scenes for Port Angeles - The shopping trip for the prom dress were filmed in Saint Helens. OR. The bookstore, the prom dress shop, and the alley where Bella was met by a gang and the restaurent were located in St. Helen.
Police station - The police station where Sheiff Swan worked was filmed in Veronia, OR.
Boatman getting attacked by the vampire trio - It was filmed in Oregon City.
The bridge shown in the opening scene, showing Bella arriving in Forks - The Bridge of Gods in Cascade Locks, Oregon.
Bella and Edward standing on the branch of tall tree - Cape Horn on the Washington side of Columbia River Gorge (see photo)


text: If you charged your way through the holidays, brace yourself for the mounting bills this month and new federal guidelines that could double your minimum payment. Follow these five steps to get your finances back on track. By Erin Burt, Contributing Editor January 12, 2006 So, despite your best intentions, you leaned on your credit card to get through the holidays. You weren't alone -- consumers charged $232 billion on their Visa cards from November 1 to Christmas Day, an 18% increase over the same period the previous year. Now that the eggnog buzz has worn off, it's time to face the bills.But you now face an additional challenge in making your monthly payments. In the new year, credit card issuers are requiring higher minimum payments due to new federal guidelines aimed at encouraging consumers to pay off their debt sooner. That means your minimum payment could double -- rising from 2% to 4% of your balance, says Ed Mierzwinski, consumer program director for the U.S. Public Interest Research Group. And just in time for those holiday bills. Say you have $1,000 of debt on a card charging 18% interest. Paying a 2% minimum would take you 19 years to pay off the debt and cost nearly $2,000 extra in interest. A 4% minimum payment, however, would take seven years and cost $516 extra. (Calculate your true cost of paying the minimum.) "The reality is consumers are going to be able to pay their bills off faster. But in the short run, it's going to hurt like hell," says Howard Dvorkin, founder of Consolidated Credit Counseling Services. "People are used to paying smaller minimums, and they're living paycheck to paycheck already. They don't have the extra cash." Advertisement Make a plan Seven years is still a terribly long time to make payments on a sweater your Dad will have worn out, or a DVD set your brother will have lost interest in. Aim to have your holiday debt wiped out within two to three months, Dvorkin says. You don't want to carry this debt around your neck for the rest of the year or start the next holiday season under its weight. No matter how much you're tempted when you see the bills piling up this month, ignore the impulse to run and hide. A few simple steps will help you tackle your debt and get your finances back on track. Step 1: Put your credit cards away, at least until you've paid them off. Out of sight, out of mind. Remove the temptation and take your cards out of your wallet. Try the bottom of your sock drawer, or entrust them to a friend or relative for safe keeping. You could even place them in a bag of water and throw it in the freezer -- you'd have to wait for it to melt before you could use it, which would hopefully be long enough for your impulse to pass. Step 2: Dig for loose change. To make those larger minimum payments -- or to pay extra toward your principal -- you'll need to come up with more cash. The couch cushions are a prime target, but think bigger. Take a good look at your spending and find areas that you can cut back. "Everybody has 15% to 20% of fat in their budget," says Dvorkin. For example, forgoing that $4 latte every day would save you about $120 a month. Dvorkin also suggests reshopping your car insurance, using a lower grade of gas or reading your newspapers online. Step 3: Consider a balance transfer. Many credit card companies offer 0% or ultra-low interest on balance transfers for a limited time -- usually four to six months. If you qualify, such a deal will help you wipe out your debt faster because all or most of your payments would go toward your principal, not the interest. It could also buy you the time you need to pay off your purchases entirely. Advertisement This strategy could backfire, though, if you don't use it properly. Watch out for exorbitant balance transfer fees -- they should run around 3% or less. And after the introductory rate expires, some cards may charge you more than your previous card did. Aim to pay off your entire balance during the introductory period. Then evaluate if the card is worth keeping for new purchases, or whether you'd be better off cutting it loose and shopping for a new one. Either way, get in the habit of paying off your balance every month throughout the year, so you won't enter the next holiday season buried in debt. If you don't qualify for a low-rate balance transfer, try calling your credit card company and simply asking for a lower interest rate, Mierzwinski advises. "It works 50% of the time," he says. Step 4: Pay off cards with highest rates first. You should always pay at least the minimum on all your credit cards each month to avoid late fees and damage to your credit rating. But if you have some extra cash, put it toward the card that charges the highest interest rate, says Dvorkin, and keep doing that until the card is paid off. Then, put the excess cash toward the card with the next-highest rate, and so on until your debt is wiped out. You basically get a return on your investment equal to the interest rate. Put $20 extra toward your card charging 18% interest, for example, and you just got an 18% return on your investment. Not too shabby. Step 5: Get help if you need it. If you simply don't have the money to make the payments, don't wait until you've already skipped a payment or two -- get help now to set up a strategy. You can visit the Association of Independent Consumer Credit Counseling Agencies or the National Foundation for Credit Counseling Web sites to find nonprofit credit counselors in your area. They can set up reasonable repayment plans with creditors, as well as help you create a budget that works.


text:
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Intoxicating designs with a host of storage options for stocking and styling.
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text:
I find it excruciatingly annoying when people strategically down vote competing answers in a new question in order to gain an edge in the up voting.
I've realised that it's actually quite easy to identify who is doing this. By opening the profiles of users who answer the question as they answer them, then when a down vote 'attack' happens, refresh all their profiles and see who's down voting counts have increased a lot.
This goes against SO's policy of never allowing anyone to ever know who has down voted answers. Regardless of the ethics of someone down vote 'attacking', I still think it's important to honour this promise.
The risks of allowing people to know who is doing this, is creating anger and conflict within the community.
My suggested solution is to cache down votes for a much longer period, so any impact on reputation or counts in profiles cannot be attributed to individual questions or answers. For example, rep impact on a down vote should influence the users rep and counters 24 hours after the down vote was actually cast.


text:
Freshmen Applicants
The college-choice process can be challenging. Making the right decision takes time, effort, and information…all of which you will find help with here.
U-M has made an outstanding commitment to freshman applicants and to offering a first-year experience like none other, from an extraordinary range of events and activities to learning communities to an education that moves well beyond the classroom, blending experience and intellect, fact and theory, life and academics into a seamless whole.
Freshmen are allowed to apply to more than one school or college at a time, with certain limitations and guidelines. This allows you to choose paths and majors that reflect your interests and individuality.
Through the University of Michigan's Early Action program, you can apply earlier in the admissions timeline—received by November 1 of your senior year in high school—and receive a decision on admission earlier on in the process. The Early Action decision will be one of three: admit; defer for a final decision by early April; or deny.
You do not need to apply EA, but this fast-paced approach may fit your needs by providing you with a decision before the end of the calendar year. It's a great option if you know that Michigan is one of your top choice schools. There are, however, a few aspects of Early Action to be aware of before you jump in, particularly:
- Early Action is for freshman applicants applying for the Fall term;
- The School of Music, Theatre & Dance and the Taubman College of Architecture and Urban Planning are both exempt from the Early Action decision date because of audition/interview and portfolio processes; and
- The Office of Admissions promises no special privileges to Early Action candidates, such as giving your application materials a higher priority or a more lenient review. Choosing to apply through Early Action does not make it easier or harder to gain admission to U-M—it is merely a way to get your decision faster.
You must be able to meet the November 1 deadline. This means having all pieces of your application submitted electronically or postmarked by that date. You will need to order your ACT or SAT scores well in advance, and ensure that we receive the School Report and the teacher recommendation letter by the deadline.
The Chief Advantage of Early Action
Early Action provides you with a guaranteed decision date. For many students, this enables better planning.
To Apply
Applying for Early Action typically involves the same steps and materials as regular admissions. A complete application includes the following forms and information and must be postmarked by November 1:
- The Common Application OR the Coalition Application (Note: Please submit only one. There is no advantage to submitting one over the other.).
- The U-M Member Questions
- High School Transcript (and a second transcript translated in English if you took any classes at a non-U.S. high school)
- School Report
- One Teacher Evaluation
- SAT or ACT test scores must be received by Nov. 1 (Must be sent directly from the testing agency—order well in advance. Rush paper scores are not accepted.)
Deadlines and Decisions
Complete application and materials — postmarked by November 1
Early Action release — no later than December 24
Final equal consideration deadline — February 1
Note: Students who apply via Early Action but don't meet the requirements or deadlines will be rolled into the regular decision applicant pool. All materials must then be postmarked by February 1 and decisions will be released by early April.
Sending Test Scores
Please be advised that we must receive your official ACT or SAT scores by the deadline date of November 1 in order to complete your application file. We encourage students to send test scores to U-M immediately after taking the exam; students who submit their requests for test results after they have taken an ACT or SAT will need to ensure that scores be sent to us by the deadline. Check with ACT or SAT regarding individual policies.
All U-M admissions decisions are sent via email from Michigan Admissions under the subject line "Your University of Michigan Admissions Decision." Check your email on a regular basis. If you add this email address to your safe list, your decision will not end up in your junk or spam folder. However, given variations in online security, we recommend that you check both your inbox and junk mail folders just to be sure. Your admission decision will be released to the email address you provided on your application. Keep in mind that only some decisions will be posted on our web app status page. You will receive paper correspondence by mail only after you have been admitted.


text:
September 6, 2011
Contact: Lawrence Hajna (609) 984-1795 (DEP)
Lawrence Ragonese (609) 292-2994 (DEP)
Dawn Thomas (609- 984-7160 (DHSS)
(11/P109) TRENTON - The Department of Environmental Protection today reopened the vast majority of shellfish beds in the state after tissue samples collected over the weekend met federal health standards. The beds were closed Aug. 27 as Hurricane Irene approached New Jersey.
Commissioner Bob Martin signed an order reopening shellfish beds in the ocean from Sandy Hook to Cape May Point and reopening estuarine shellfish beds from the Metedeconk River to Cape May Point. The order returns the beds to the harvest classification status that was in effect prior to passage of Hurricane Irene.
"The shellfish industry is very important to New Jersey's economy," Commissioner Martin said. "I want to thank all of the harvesters, distributors, retailers and countless small businesses that made sacrifices to protect public health under difficult circumstances. The DEP is continuing to monitor and test shellfish beds and expects remaining beds to be reopened soon."
As Irene approached, the DEP issued a statewide ban on the harvest of clams, oysters and mussels due to concerns about degradation of water quality from large volumes of stormwater. Clams, oysters and mussels are filter feeders that can accumulate harmful bacteria carried into waterways by stormwater.
On Sunday, personnel with the DEP's Bureau of Marine Water Monitoring collected tissue samples. Several clam boat operators helped out by taking DEP staff out to many of the beds, enabling staff to conduct a comprehensive sampling of ocean and estuarine waters. These tissue samples met federal health standards for safe consumption.
The DEP today collected tissue samples from shellfish beds in the northern estuaries including Raritan Bay, Sandy Hook Bay and the Navesink and Shrewsbury rivers. A decision on reopening these northern beds could be made as early as Wednesday, after the tissue results are analyzed.
Weather permitting the DEP will collect tissue samples from Delaware Bay on Wednesday, with a decision on reopening beds to be made after an analysis of the results.
The DEP works with the New Jersey Department of Health and Senior Services and U.S. Food and Drug Administration to ensure that shellfish are safely harvested in state waters.
The DEP monitors, classifies and enforces shellfish regulations in 425,830 acres of estuarine beds and 295,857 acres of ocean beds.
The Department of Health and Senior Services' Food Safety Program regularly inspects shellfish processing plants to ensure they follow regulations that outline health and safety precautions. Shellfish samples are regularly collected from harvest areas, certified shellfish dealers and retailers for bacteriological examination.
The program oversees a certification program which requires all wholesale shellfish dealers to handle, process, and ship shellfish under sanitary conditions and maintain records verifying that the shellfish were obtained from approved areas.
Harvesters and the public are advised that clams, oysters or mussels are not to be taken from waters in which they were restricted prior to storm.
The closures only applied to shellfish such as clams, oysters, mussels, scallops, etc. and did not apply to crustaceans, such as crabs and lobsters.
For more information, including a map of re-opened shellfish beds, visit: www.nj.gov/dep/bmw
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text:
Rebootless Installer
The ZyX-LiveInstaller if also installed can be used instead of Anaconda from the LiveOS to install to system disk. The difference is that no reboot is required after installation completes.
- Name: Douglas McClendon
- email: dmc.fedora AT filteredperception DOT org
Current status
- Targeted release: 12
- Last updated: 2009-07-13
- Percentage of completion: 51%
Detailed Description
The ZyX Graphical Rebootless LiveOS Installer will allow you to install a 'live operating system'(LiveOS) to a system storage volume, just like the standard Fedora LiveOS installer (anaconda). However, unlike traditional *nix installers, you will not need to reboot after installation.
This is accomplished by copying the running 'live' root filesystem block for block, while in use, to the destination volume. This is done using a devicemapper 'mirror' device. Once the mirroring completes, the resources for the original LiveOS root filesystem are released, leaving a normally[1] installed system. Thus you could for instance, eject the LiveCD (or remove LiveUSB), then insert a blank media, and immediately burn a replicated copy of the LiveOS to give to someone, while someone else is already using the freed LiveOS media to install another system. All before shutting down or rebooting the system for the first time.
[1] The only minor difference between the final installed system, and a traditionally installed system, is that until the first reboot, the mounted root filesystem will be accessed through a nearly no-op simple devicemapper linear layer. In other words, until the next boot, a performance hit no worse than any other rootfs-on-lvm installation.
Benefit to Fedora
Some users and reviewers of Fedora might like the lack of required reboot as part of installation.
The currently published srpm at http://viros.org/rebootless would need to be added to the fedora/rawhide repo, and then included in whichever spins accept the feature. Testing of the installer would be required, as well as fixing bugs and enhancing as much as time permits.
The size of the installer i386 rpm, which one would guess to be roughly the same footprint on the 700MB livecd, is about 100KB. So even knowing the scarcity of space on the livecd, this feature can be justified at least in terms of footprint.
How To Test
All you should need to test out, is a system whose disk data you don't care about, a stock f11 i686 livecd or liveusb, and an internet connection. Boot up, fire up firefox, go to http://viros.org/rebootless, install by clicking the rpm link, and run the new desktop icon/launcher. If all goes well, you should be able to eject the livecd or remove the liveusb without powering down, and use the system normally from then on.
Partition creation/management is currently outsourced to palimpsest (I'm not even convinced yet that it can partition, it was a guess). So if you need to adjust or create any partitions, you should do so with your favorite tool (fdisk) before running the installer.
If you notice any discrepancy between the resulting system and what you would expect from a normal LiveOS installation, and it is not already listed on the project's webpage and/or ROADMAP file, please submit feedback to the author at bugz AT viros DOT org.
Specifically, different configurations of real and virtual systems should be tested. The author for instance does not have easy access to any x64 hardware at the moment. PPC will definitely not work right now either.
User Experience
See the screenshot tour
The key difference with the ZyX-LiveInstaller is that after installation, the running LiveOS *is* the installed system. Presently there are some minor things listed in the upstream ROADMAP that need to be cleaned up to give the user the closest possible experience to that of the normal Anaconda installer. I.e. no firstboot, no user creation wizard, no root password change wizard, ...
If you want to listen to my commentary on a video of installation to an acer aspire one netbook, you can check out 18 minutes of video (split in 2 for youtube length requirements). In the video I demonstrate installing the package from wifi, as well as pre-first-reboot hibernation and full reboot. part 1 and part 2.
This implementation of rebootless installation is dependent on the current devicemapper overlay architecture used for Fedora LiveCD/USBs. This is not a problem for F12, however should F13,etc... choose to migrate to a unionfs architecture (as ubuntu did ages ago), this feature would have to be removed. This is in fact a strong selling point for accepting the feature now, as opposed to deferring to a possible subsequent release. Having this feature, even in an early experimental form in F12, would provide the ideal feedback for determining whether it might be a reason to hold off on such a unionfs adoption.
Contingency Plan
None necessary, revert to previous release behaviour.
All documentation can presently be found at the project page ZyX-LiveInstaller Project
Pay particular attention to the source tree (browsable online), under ./info/, i.e. ROADMAP and HACKING
Release Notes
- An experimental new rebootless installer has been included with the LiveCD/USB. To access it launch 'ZyX-LiveInstaller' from the 'System Tools' menu instead of clicking on the 'Install to Hard Drive' desktop icon. This installer is still experimental, and lacking features of the normal installer, however, at the end of the installation, the LiveOS you have been using will now be the installed OS.
Comments and Discussion


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When it comes to play-off success, no team in the country can hold a candle to Blackpool. Eleven suc
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When it comes to play-off success, no team in the country can hold a candle to Blackpool. Eleven suc
July 11, 2019, 01:45:21 PM »
When it comes to play-off success, no team in the country can hold a candle to Blackpool. Eleven such matches the Tangerines have now played, and while this was the first they have failed to win outright, a draw was enough to ensure they will be West Ham United's opponents at Wembley on Saturday week. They could not have been pushed any harder though. With half an hour remaining Birmingham City were three goals down on aggregate and seemingly on the way to certain defeat. Having over-achieved all season, Chris Hughton's side were never going to give up the ghost, and in an almost desperately frantic finale pulled two goals back and gave everything they had in search of the vital third. It did not come, which means this was almost certainly Hughton's last game as manager of the Blues. The former Newcastle coach, who pulled off a minor miracle in guiding City into the play-offs, is believed to be the preferred
Fußballtrikots Kinder Bayern München
choice of West Bromwich Albion ahead of Claudio Ranieri to replace the departing Roy Hodgson. With Wolves said to be ready to approach whichever manager's season ended last night, it was not surprising that the Birmingham director Peter Pannu's programme notes gave the impression the financially straitened Blues expect Hughton to move on come what may. Whether the Blackpool manager, Ian Holloway, would be inclined to entertain an approach from elsewhere will remain untested, at least until after the final. His reaction was one of simple relief. "It looked like we'd done our job, but what a comeback. Our game plan went out of the window and we just hung on," he admitted. "We were on our last legs emotionally, and if they'd got a third and it had gone to extra time, I couldn't have seen us living with it." Hughton was characteristically generous in defeat. "They were the better team over the two legs but we showed what we have showed all season, which is great character. It's not a fitting time to talk about speculation regarding my future. I'm very proud our players put in the performance that we did, and I'm as devastated as they are because we got so close." Circumstances dictated Birmingham were always going to be more adventurous than they had been at Bloomfield Road. Holloway's Blackpool were never going to sit back and defend their slender advantage, and Tom Ince nearly doubled it straight away, first when he forced the City goalkeeper Colin Doyle to save, and then when he was pulled back by David Murphy in the act of shooting. Had he gone down, instead of getting in a shot which Doyle again blocked, the referee Chris Foy might have been more inclined to award the spot-kick. The atmosphere generated by St Andrew's first sell-out of the season was contributing to the game being played at a unsustainable pace. Marlon King, given a yard
Fußballtrikots Kinder Manchester City
of space at the far post, side-footed a volley against the Blackpool bar, but just as the half seemed likely to remain goalless, Blackpool took the lead. Ince's corner was headed up in the air by Curtis Davies and the ball found its way to Stephen Dobbie, whose low shot squeezed under Doyle and inside the unfortunate goalkeeper's near post. Holloway was still not inclined to make changes to his attacking formation, and his bravery paid immediate dividends after the break. Matt Phillips timed his run to perfection to bring down Angel Martínez' long ball and squeeze his shot in off Doyle's far post. Still no Birmingham heads dropped, and shortly after the hour, they gave their supporters hope when Chris Burke's pass put Nikola Zigic clear. The big Serbian finished calmly, but there was nothing calm about the crowd's reaction when with 17 minutes remaining, Davies rose above a crowded penalty area to head Jordon Mutch's corner powerfully past Gilks.
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When it comes to play-off success, no team in the country can hold a candle to Blackpool. Eleven suc
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Aggregators in key markets around the world have proven that they can change the way people think about buying insurance and change the economics of insurance distribution. Some insurers have ridden the aggregator wave, while others see the rise of aggregators as a threat. They have tended to respond to aggregators in one of four ways:
Some insurers have refused outright to work with aggregators, even making their lack of presence on aggregators' sites a selling point. These insurers often have large quantities of direct sales and large investments in brand building that they feel they need to protect. They may believe that competing on brand attributes and price can enable them to continue selling at profitable volume levels.
An increasing number of carriers worldwide have accepted aggregators as an additional distribution channel and have made their products available through them. In cooperating with aggregators, carriers may be taking another course of action to support and protect their own direct sales. They may also have confidence that their ability to compete on price can generate profitable volume from the aggregator channel.
Crowding out
Another course of action by carriers involves "crowding out" competitors, either by offering multiple brands, or by offering multiple quotes on a single brand, to achieve a dominant position on the aggregators' all-important first page.
Some insurance carriers have chosen to pursue a dual-path strategy, either by setting up an aggregator, forming a close alliance with an existing aggregator or making strategic investments in established aggregators.
In Accenture's view, insurers should regard aggregators as an additional distribution channel and consider strategies for maximizing the value of the channel. For new aggregator markets, the key lesson from the UK is that carriers and aggregators that work in concert can create a mutually beneficial value proposition that enables the customer with both transparency and high quality products.
Insurers that choose to engage with aggregators may do so in one of two ways:
Integrate and optimize
Insurers can pursue a digital optimization strategy designed to make the most of both their own online presence and their presence on the aggregators' sites. This may involve closer integration of the carrier and aggregator sites, so that the customer experience is comparable in both locations, or providing a richer user experience for aggregator customers.
Carriers could also employ multi-variant testing of the aggregator site to maximize both the rate of conversion and the attractiveness of customers obtained this way.
Develop a tailored aggregator value proposition
Insurers can "play to win" in the aggregator channel by competing in areas outside pricing. They can make exclusive offers, or provide new niche products involving telematics or rewards for "green" behavior. They can take alternative marketing approaches by using vouchers, cash rebates, or promotional gifts.