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This post contains affiliate links. If you love the pattern and want to make one, you can simply make the purchase through my link. Thank you for your support. More information please see my policies.
New design – Felicia Cocoon Cardi is now available. There are actually two ways to wear this cardigan. You may choose the block stitch side up or the granny stripe side up. It's all up to you.
I add a button and a simple loop buttonhole at the front to prevent the cardigan from falling off. Or you could simply wear it as you like.
Please follow me on
Instagram or twittter @warmlinx to get first alerts on pattern releases, special offers, free downloads. Thank you!
Free PDF download link download now. (Please note that this link will only available till May. 6 2019 at 21:59 Eastern Time.
See all my designs Here.
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This Pattern will be viewable on the blog only for Limited Time. (till 5/18/2019). Thank you!
If you want to get an ad-free PDF version of the pattern, please visit my Etsy store Here. (currently on sale 40% off, till 5/18/2019)
Yarn: ( worsted weighted yarn) Weight Category 4
Main Color: Caron Simply Soft Tweeds – Taupe (5 oz/141 g, 250 yds/228 m)
Amount Required(approx.): size 1/3: 190 yds (1 ball); size 4/6: 200 (1 ball); size 7/10: 258 yds (2 balls); size Teen: 274 yds (2 balls); size Adult S/M: 326 yds (2 balls); size Adult L/XL: 336 yds (2 balls).
Contrast Color: Contrast Color: Caron Simply Soft Tweeds – Off White (5 oz/141 g, 250 yds/228 m)
Amount Required(approx.): size 1/3: 152 yds (1 ball); size 4/6: 205 (1 ball); size 7/10: 220 yds (1 balls); size Teen: 279 yds (2 balls); size Adult S/M: 289 yds (2 balls); size Adult L/XL: 342 yds (2 balls).
Tools and Notions:
4.5 mm (7) crochet hook or size needed
darning needle
stitch marker
1" diameter button (needle and thread in matching color for sewing)
Finish Size:
1/3: 20 ½ in. (52 cm) x 18 ¼ in. (46 cm)
4/6:24 ½ in. (62 cm) x 21 ½ in. (55 cm)
7/10: 28 ¼ in. (72 cm) x 25 ¼ in. (64 cm)
Teen: 33 ¼ in. (84 cm) x 29 ¼ in. (74 cm)
Adult S/M: 38 in. (96 cm) x 32 ½ in. (83 cm)
Adult L/XL: 43 in. (109 cm) x 35 ¾ in. (91 cm)
Gauge: (in 4″ x 4″/10cm x 10cm)
16.5 sts x 8.7 rows in granny stripe
16.5 sts x 11.5 rows in block stitch
ch = chain
dc = double crochet
rep = repeat
sc = single crochet
sk = skip
Pattern Notes:
- Difficulty Level: Easy
- Sizing in pattern will be listed as 1/3 (4/6, 7/10, Teen) Adult S/M, Adult L/XL. When only one number is given, it applied to all sizes. You may circle all numbers pertaining to your size before beginning.
- This cocoon cardi is worked in one piece, fold and seam later for the final look.
This pattern is available for purchase on
Ravelry (HERE) Highly Recommended
Etsy (HERE)
LoveCorchet.com (HERE)
updated: you should sew the square together before making armhole edging.
Please share your finished work on social media using #warmlinx or by tagging @warmlinx on Instagram!
The patterns and photographs of items on this site are the property of WarmLinX.
The patterns and designs are subject to copyright, and are FOR PERSONAL USE ONLY.
You may not reproduce or sell these patterns without consent.
You can sell the finished items, but please use your own pictures, and link back to my blog (especially when you sell online) and credit to me as designer.
Any Question or Suggestion? Contact me at firstname.lastname@example.com. Thank you!


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Results 21 to 24 of 24
Just been activated!
This is a discussion on Just been activated! within the Sky Broadband help forums, part of the Sky Broadband help and support category; Sorry, meant the first sky tech I spoke to must have manually configured the SNR to 8.5db. I'm delighted to ...
Re: Just been activated!
Sorry, meant the first sky tech I spoke to must have manually configured the SNR to 8.5db.
I'm delighted to be honest, 2meg quicker than Be with a higher SNR!
Cheers for all the advice.
Re: Just been activated!
There are 3 SNR levels that can be used by Sky - 7, 9 and 12dB...they probably had you on 9dB-------------------------------------------
Useful Sticky: - How To Obtain Your Router Stats, BT Speed Test, Check For Test Socket
Re: Just been activated!
Spursman just got your pm, I now its a month late and your probably sorted now, looks like you are.
With my Billion 7402nx I have...
Upstream 1149981
Downstream 17915224
Elapsed Time 12 day 14 hr 31 min 23 sec
SNR Margin(Upstream) 8.5 dB
SNR Margin(Downstream) 7.30 dB
Line Attenuation(Upstream) 12.5 dB
Line Attenuation(Downstream) 31.0 dB
What i did was on a nice sunny calm day I set the coding gain to 9.5 and resynced.
Because my line was capped at 14mb after DLM it couldn't increase the sync, so the SNR down rose to 10.45db.
I then rang Sky and they were like "oh yeah looks like your line can handle much more" lets try this some things, it eventually settled on 17.9 down @ SNR 7db.
I'm now capped at 17.9/1.3, i'm also had my max delays lowered to 8ms for gaming.
Basically what i can do now is change the coding gain myself to alter the speed (and therefor stabiltiy of my line)
If I set it to 5, I sync at circa 16mb and the SNR is about 8bd, but the line is rock solid and will hold indefinately)
Any higher than this and the sync goes up up to 17.9mb with coding gain 9.5.
(Interestingly I found than coding gain 7 was quite unstable - but 8.5 & 9.5 were more stable and offered better speeds !!).
The odd times the line has dropped out it happens in the wee hours so i'm in bed and dont care !!! So i leave it at coding gain 9.5 mostly.
In answer to your other question I have phoned Sky numerous times over the past 2 years whilst connected with my Billion (i've had 2 rounds of DLM, initial one and then recently when I changed to the new £7.50 tariff)
No-one has said anything.
TBH as long as your not ringing up every 5 minutes with technical probs why would they care ????
It would have to be a very pedantic "jobsworth" to make an issue over it....
Anyway hope your sorted, sorry for not getting back to you at the time.
p.s I saw you post somewhere you were going to tweak your SNR on the Billion.. how do you do that ? I didn't know there was any tool to do it on this router.
Re: Just been activated!
Thing is, though, should Sky want to kick people off using their own router they could do so in a day. They'd just check the vendor codes of the routers connected and anything not matching Sky would get booted
Doubt they'd do it but something to bare in mind-------------------------------------------
Useful Sticky: - How To Obtain Your Router Stats, BT Speed Test, Check For Test Socket

subset: commoncrawl


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Browsing Facultad de Medicina, Enfermería, Nutrición y Tecnología Médica by Subject "Baja altitud"
Now showing items 1-1 of 1
Comparison of 10-12 years old schoolboys living at high (4100m) and at low (450m) altitude in Bolivia (Int. J. Sports Med., 1992)Within the frame work of a large project, health and lifestyle was measured in 10-12 years old Indian schoolboys in Bolivia. In 1990 about 50 boys living in La Paz, at an altitude between 3600 and 4100 m, were measured, ...


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Ainsley Lipschus – Business Development Manager
I joined the TDDA team in early 2013 after a working many years in the book publishing industry.
After living most of my life in Sydney, I have seen the immensely harsh reality of drugs and alcohol on those around me. I have seen lives destroyed and families put under immeasurable strain. These sorts of experiences change the way you interact with those around you and I passionately believe that communication and education are the path forward.
The TDDA brand takes into account that we are all diverse and does not believe a one-size-fits-all methodology. I love working with local businesses and assisting in implementing a drug and alcohol program that is unique to their needs.
I believe passionately in making a difference in this world and love that in my role at The Drug Detection Agency, I can actually work to change lives. Now that The Drug Detection Agency has a national footprint, I look forward to working with the various teams to grow the business.
The Drug Detection Agency's Sunshine Coast branch also doubles as TDDA's Queensland Head Office (State Support Office). Our office on the Sunshine Coast of Queensland covers areas including Gympie, Noosa, Maroochydore, Palmwoods, Nambour, Caloundra, Caboolture and Morayfield. TDDA proudly manages the drug and alcohol programs of a variety of local businesses. We believe strongly in working with our clients to educate on the risks of drug and alcohol use in order to create drug free environments. Our mobile testing vans works 24/7 to provide workplace testing solutions and drug screening services. We also provide education services to businesses as we believe education is a key component in addressing the risks of drug and alcohol use in the workforce.
Contact Us
Ainsley Lipschus
Business Development Manager
Mobile: +61 425 267 249
TDDA Sunshine Coast are members of:
•Safety Institute of Australia
TDDA Sunshine Coast supporting local Nippers
TDDA Sunshine Coast is a proud supporter of the Metropolitan Caloundra Nippers both in and out of the ocean. Good luck to the Metropolitan Caloundra Nipper Pool Rescue team competing in the pool rescue events this off season!
TDDA Sunshine Coast is a proud supporter of the Metropolitan Caloundra Nippers both in and out of the ocean. Good luck to the Metropolitan Caloundra Nipper Pool Rescue team competing in the pool rescue events this off season!
How can we help?
About Us
Training & Education
Pre-Employment Testing
News &
Become A Franchisee


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David Bowie was a great musician and also quite the philosopher. I like many of his numerous quotes from over the years. This one just speaks to the spirit of the day.
Definitely a true creative talent! I like the quote.ReplyDelete
Thanks, Nick! Hope you're having a great day.Delete
Oh, my word. This is a great quote. I relate. Thank you for adding this to Sparks. My favourite Bowie persona was the Labrynth Goblin King. I also loved Thomas Jerome Newton, The Man Who Fell to Earth. HUGS!ReplyDelete
Awesome choices, Annie! ~hugs back~Delete
What a great quote. This is spot on and it so applies. I don't think any of us do.
Have a fabulous and positive day. ☺
Thank you, Sandee. I hope you do the same!Delete
Great quote by one of my favorite people!
Thanks for sharing it!
Marv and Mom
My pleasure! ~rubs behind kitty ears~Delete
Great spark! I always liked his music.ReplyDelete
That's a great quote.
I guess I'll always be partial to "Blue Jean". That song came out when I was the right age, I guess.
Excellent tune. "Let's Dance" is a personal favorite of mine. Be well!Delete
I never thought of David Bowie as a philosopher, but like his quote very much. I think our culture is definitely suffering from entrenched negative thinking. Hopefully, Sparks can help alleviate this as we all strive to be bearers of light.ReplyDelete
Bowie was certainly an interesting person. - The quote is a good one.ReplyDelete
I'm glad you appreciate it!Delete
Loved David Bowie and this quote is a really good one.ReplyDelete
Thank you for taking time to share your opinion. Hearing from readers adds immensely to my joy of writing!


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You might not even think you're an envious person, but it can be more insidious than you think. It's when you compare yourself unfavorably to other people–your friends, your Facebook "friends", celebrities and other media personalities. It's when you assume that other people have what would make you happy. It's when you decide that they're greater, and you're less than.
How can you start to value yourself more fully? Do you really know what makes you happy, or is all the envy misplaced? Here are some questions to ask yourself so you can stop looking to others and instead, figure out what you really love in your own life (and might already have.)1) Do you REALLY want what they have, or do you just think you should?
Sometimes we see that other people are running marathons, or traveling, or learning a new language. We see all the fun and/or enriching things they're doing on Facebook and think, Now that's the way to live. What am I doing with my life?
Recognize that there is no right way to live. If you haven't been running marathons, traveling, or learning Swahili, maybe it's because that's not what genuinely interests you.
"Shoulds" will take the joy right out of life. Do your best to banish the word from your vocabulary.
2) What DOES actually interest you? Are you pursuing it?
It's possible that what you really envy are people who are fully engaged in their lives. That could be a sign to you that you're not making enough of the one life that you do have.
Envy takes energy that's better used to make a plan for how to be more fulfilled. If you've always meant to take an art class or learn ballroom dancing or some other pursuit, start researching online (instead of looking other people's Instagram and feeling crappy.)
3) What do you actually know about other people's lives anyway?
Realize that social media is, essentially, propaganda. It's where people get to personify their best selves. But we don't know what's really working or not working in their lives. We don't know other people's contentment levels.
And really, those are irrelevant to us, unless they can be instructive as to what we can change in our own lives. If you find people who are positive examples of how to be fulfilled, then follow that example.
Otherwise, try to develop a more realistic picture of what other people's lives really are. It can be too easy to take a few details and fill in the rest, especially if we're dissatisfied with where we are.
Sometimes what we're really looking for is a distraction. It can be tedious to take stock and make changes. It's much easier to think that other people just got lucky. So envy does serve a function, in a way.
But distraction isn't what you need. Envy makes you less present in your own life, and more engaged in other people's (well, the surfaces of their lives, anyway.) Being present and engaged, though, is what's needed.
Do you want to be envious, or do you want to be happy? You've already got your answer since you read this far. So that's a good start.
Envious colleague photo available from Shutterstock


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Mary Edith Roddy, 80 of Centralia died Saturday, Oct. 27, 2018 at the Parkside Manor in Columbia.
Funeral services will be held 11:00 a.m. Thursday, Nov. 1, at Fenton Funeral Chapel in Centralia with burial to follow in the Central Grove Methodist Cemetery in Warrenton.
Visitation will be held from 10:00-11:00 a.m. Thursday at the funeral chapel.
Online condolences may be left at www.fentonfuneralchapel.com


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Supported Operating System(s):Web browser (OS agnostic)
About Asset4000
Series4000 is an on-premise and cloud-based fixed asset accounting solution for small, mid-sized and large enterprises. It caters to commercial, education, government, healthcare and not for profit industries. Primary features include asset management, asset accounting, asset auditing, flexible asset depreciation, cost control, reporting and forecasting.
Other features include lease management, project management, maintenance management, document management, tax and financial compliance. Asset accounting features allows users to manage disposals, transfers, reliefs, revaluations, cost adjustments and asset splits.
Other modules include lease accounting, computerized maintenance management and facilities management. Series4000 is compliant with various...
3 Reviews of Asset4000
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August 2017
Peggy from Gordon Aluminum Industries Inc
Company Size: 51-200 employees
Industry: Electrical/Electronic Manufacturing
Time Used: More than 2 years
Review Source
Value for money
Customer support
August 2017
The implementation was the greatest, easiest experience I have ever had in 32 years of a GO LIVE. Support was 2nd to none!! Super pleased - THANKS
This is a great company to work with. They have been nothing but super sensitive and helpful to getting me started.
The ease of navigation, reporting, designing new reports, auto populating of data when entering new assets. It has so many fascinating and useful capabilities that will enable me to efficiently provide data in so many different areas of the accounting/finance world from reporting assets and values on the F/S to costing and forecasting, plus the State property reports that need to be filed annually.
May 2014
Ann from Peter's Food Service Ltd
Industry: Electrical/Electronic Manufacturing
Time Used: Free Trial
Customer support
May 2014
User of the Software
It's easy to use, and they have a great helpline.
I can't think of anything in response to this question.
September 2016
Beinda from SRPMIC
Industry: Government Administration
Time Used: Free Trial
September 2016
Review of Series4000
It was a little difficult to view the product as the links that were sent required me to register for a full demonstration.
It was a little difficult to view the product as the links that were sent required me to register for a full demonstration.


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Our programme: continuous high performance
Our permanent programmes aim to further raise awareness of first-class regional
foodproducts, clearly communicate the quality aspect and increase consumer
confidence in Bavarian food products, fine foods and beverages.
The following links will take you directly to the relevant websites, which provide further information.


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Price: $2,055.99
Quantity: 1 available
Book Condition: Good
On offer is a super archive of original World War II manuscript letters handwritten by Private Richard R. Matson, [Barney to all who knew him], of Aberdeen Washington. The letters, addressed to his parent were lovingly kept by his mother, who in two [2] binders, created a scrapbook tribute to her son and his service. Titled "Letters From Barney", Mrs. Matson did her son proud as she never failed to file the letters leaving an homage that both researchers and historians will be appreciate for the breadth of this man's armed service experience from induction to his return home but the true strength of these letters are Barney's relationship with his folks and the bond of love between that was shared throughout the war. Stories of the missed foods, humor and lots of it, learning to gamble with the soldiers, missed friendships, waiting for the "packages from home", more funny stories, sad stories and unbelievable stories including when he heard of the Atomic Bomb going off in Japan. So many personal touches throughout the letters that strike home even today and of course the everyday correspondence that helped Barney in tune with the world during this bombastic time. Adding to the scrapbook feel we find his original insignias are glued to the front of volume I. The letters start from the first one in boot camp [dated Oct. 30th, 1942 ] to the last entry in volume two that is a Telegram [ Jan 24, 1946 ] telling mom to "Stop writing now as I am flying home and will see you in a couple of days". Hardly anyone will not feel the way his mother must have felt reading that final telegram. From the Advanced Flying School in hobbs New Mexico to Other ephemera include a great cards and postcards that Barney sent to mom on her birthday and Mother's Day, Easter and more. All kept by mom and treasured. There is a period of time when dad leaves the household for a better job and Barney addresses the letters to Mom only and then reverts back to mom and dad several years later. And he always signed the letters "Love Barney". Rarely have we read a more comprehensive retelling of one man's experience and from such a basic perspective one truly feels as if one was there. The binders are 11 x 9 x 1.5 inches in great shape and the letters are overall G.; 4to - over 9¾" - 12" tall; KEYWORDS: AIR FORCE, ADVANCED FLYING SCHOOL, ASN, HOBBS, AVIATION, FLYERS, NEW MEXICO, ALASKA, JUNEAU, WORLD WAR II, WWII, WORLD WAR TWO, WORLD WAR 2, HANDWRITTEN, MANUSCRIPT, DOCUMENT, LETTER, AUTOGRAPH, DIARY, JOURNAL, LOG, KEEPSAKE, WRITER, HAND WRITTEN, DOCUMENTS, SIGNED, LETTERS, MANUSCRIPTS, HISTORICAL, HOLOGRAPH, WRITERS, DIARIES, JOURNALS, LOGS, AUTOGRAPHS, PERSONAL, MEMOIR, MEMORIAL, PERSONAL HISTORY, AMERICANA,Als, antiquité, contrat, vélin, document, manuscrit, papier Antike, Brief, Pergament, Dokument, Manuskript, Papier oggetto d'antiquariato, atto, velina, documento, manoscritto, carta antigüedad, hecho, vitela, documento, manuscrito, Papel,
Title: 1942 - 1946 ORIGINAL ARCHIVE OF HUNDREDS OF MANUSCRIPT LETTERS, EPHEMERA AND TELEGRAMS DETAILING ONE PRIVATE FIRST CLASS' AIR FORCE EXPERIENCE FROM NEW MEXICO TO ALASKA
Categories: Books and Manuscripts General Overview, 20th Century Diary, 20th Century Manuscript, All,
Publisher: HOBBS NEW MEXICO JUNEAU ALASKA, 1942
Book Condition: Good
Item: 1.00 Item
Seller ID: 0001397
Keywords: Keywords: Air Force Advanced Flying School ASN HOBBS AVIATION FLYERS New Mexico ALASKA JUNEAU


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Product notesEnriched with aqua restore protein, creates a protective film, which repairs the damaged capillar fiber, helping it to recover the optimal level of hair hydration.
Usage notesApply uniformly on wet hair, massage, rinse abundantly.
Content: weight, gr/ml250 ml
Bottle typebottle
CompositionIT CONTAINS
Açai: powerful antioxidizing , protects and repairs from the oxidating damages of the external agents
Passion flower : conteins omega-6, that reinforces and protects the hair
Rice: conteins gamma-orizanolo, natural antioxydizing which protects from the free radicals , nourishing the hair. treated.
Chia-Solar Defence: Innovative complex containing Chia oil, rich in omega-3 from the strong riparator and antioxidizing power. It protects the hair from the sun, wind and free radicals, maintaining the vividness of the colour, both natural and treated.
Aqua Restore Protein: Protein of barley. They are able to create a protective film that repairs the damaged capillar fiber, helping it to recover the optimal level of hair hydration.
Hair typeOpaque, dry, weak , damaged and traited hair.
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who we are
our mission
Momentum Dance Project aims to facilitate artistry through a lens of excellence, dedication, and exploration. By being invested in each student, first as a human, we will strive for their dance training to be all encompassing in virtuosity as well as imaginative creation.
We will focus on sharing our talent not only through performances but also philanthropic efforts reminding ourselves that the gifts we have to share are significant and influential.
We believe that all students deserve high quality classes, proper training, and the opportunity to work with professionals in the field of dance.
Whether he/she decides to perform with us or if is instead engaged in other areas of the performing arts, sports, or the like, we are committed to providing classes without differentiation in quality of training. All students are placed in each technique according to their level placement so maximum growth potential is possible.
our artists
Artists at Momentum Dance Project are provided many opportunities to perform. What makes us unique is that every individual decides the level of commitment they are seeking.
We have a Youth and Advanced Competition Company as well as Project III, a pre-professional dance company, and continually search for opportunities for our dancers to partake in outside of our studio and within the community.
This is a beautiful studio filled with creative and passionate artists! Everyone focuses on lifting each other up and working together to create meaningful and powerful pieces. Once you take your first class at MDP, you are forever a part of the family. The memories I made at this studio, with the wonderful artistic directors and dancers, will forever be in my heart!
-Kate H.
Office Hours: 830am-230pm Monday - Thursday
*if needing an appointment, please call or email ahead to schedule a time to meet


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I'm the author of Alex's Adventures in Numberland, a book on maths which was shortlisted for the BBC Samuel Johnson Prize in the UK and won the Galileo Prize for science books in Italy. It has been translated into more than 20 languages. In the US it was called Here's Looking at Euclid. I am also the Guardian's maths blogger and a curator-in-residence at the Science Museum in London.
For many years I worked at the Guardian, as a reporter in London and then as foreign correspondent in South America. I am the author of Futebol: The Brazilian Way of Life and I ghost-wrote Pelé's The Autobiography.
For any information about UK publicity please contact Laura Brooke in the Bloomsbury press office at firstname.lastname@example.com.
For any information about US publicity please contact Meg Miller in the Simon and Schuster press office at email@example.com.
To view Alex's upcoming events click here.


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Building an ABM Strategy Using Data
In a world where insight about prospects and customers is key to optimizing revenue, putting your data to work as part of your ABM strategy is critical to success. We're welcoming back a return guest Nipul Chokski to discuss how to utilize data as part of your marketing strategy, and how to build a plan for success.
Nipul Chokshi, VP, Marketing
Nipul Chokshi runs marketing at Lattice and is responsible for product positioning and sales enablement.
Prior to Lattice, Nipul built and ran the solutions marketing and sales enablement functions at Yammer (acquired by Microsoft in 2012). Before Yammer, he led product management/marketing at Marketo and Merced Systems (acquired by NICE Systems). Nipul lives in San Francisco, enjoys great wine and food, and is an avid runner.
He earned a Bachelor's Degree in Electrical Engineering from Cornell University, and an MBA from the University of California, Berkeley, Haas School of Business.


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This article is part of our special edition "An Inside View Of MAPFRE – From Massachusetts to Madrid"
The year 2019 is a strategic and important one for the global insurer that is MAPFRE. Every three years the company presents a new Triennial Strategic Plan, outlining the major goals and objectives the company hopes to achieve within each of the major markets in which it operates.
In conjunction with the strategic importance of this year's initiative, the Spanish-based insurer invited eight journalists from eight different countries, to attend the presentation of its 2019 Shareholders meeting in Madrid.
As a publication focused on the Massachusetts insurance industry, which happens to be MAPFRE's largest marketplace within the U.S., Agency Checklists was invited to attend the meeting in Madrid as part of a three-day tour to learn more about the company and its mission.
MAPFRE Open Innovation Platform
With the rise of insurtech, insurers can no longer ignore the importance of insurance investment and innovation with respect to its continued competitiveness and future growth. MAPFRE is no exception. According to data provided by the insurer, its digital business grew by +10 in 2017 alone.
In response, in 2018, the insurer made its first foray into the insurtech world with the establishment of its MAPFRE Open Innovation. With an annual budget of over 100 million euros, the initiative forms an integral part in how MAPFRE is actively transforming itself digitally in order to pace it in an "excellent competitive position" in order "to grow profitably over the next three years."
Innovating from the inside
Innovation from the inside, or Strategic Innovation, is what MAPFRE categorizes as ideas and change coming from right inside the company either through programs fostering innovation, knowledge centers or other established avenues.
The first major step MAPFRE took towards nurturing this type of innovation was the creation of its Open Innova initiative in 2018. MAPFRE Innova is an "intrapreneurship program." Open initially to employees based in Spain, Peru, and the United States, the program seeks to capitalize and reward the winning employees for their ideas and designs to solve strategic challenges using both Design Thinking and Agile methodologies.
The inaugural program saw more than 400 projects submitted from the three countries with over 1,000 employees taking part in the company's creativity workshops. The employees were required to submit ideas in response to three business challenges:
- Young people and savings
- Automobile accidents
- Small- and medium-sized businesses
The winning companies were selected with BBites (Spain), Save Coin (Peru) and RideSafe (USA) crowned the winning teams. Employees from each of the three winning teams were brought to Madrid to the Annual Meeting in order to be recognized for their efforts.
Another way in which MAPFRE says it will foster what it calls Strategic Innovation is through Knowledge Centers. These centers, housed in areas where MAPFRE has a presence also will be a way in which MAPFRE fosters innovation. With MAPFRE's U.S. headquarters located so close to Boston and all that Boston offers in terms of insurtech innovation, the company acknowledges that Boston is an almost perfect place to set up a future Knowledge Center.
Innovating from the outside
On the other side of the innovation coin, is what MAPFRE has described as its Disruptive Innovation. Disruptive Innovation efforts and investment involve collaborating with third parties in order to innovate more quickly and with greater flexibility.
The company says it is achieving this type of innovation in three ways: Through established agreements with Universities and Business Schools; through its new Venture Capital Fund, and through its new InsurSpace. At the end of 2018, the company announced it had become an anchor investor in the Alma Mundi Insurtech Fund, investing 25 million euros to help insurtech startups.
Insur_space by MAPFRE
InsurSpace is the last and most exciting part of the companies Disruptive Innovation Strategy. Similar to Liberty Mutual's Solaria Labs, MAPFRE's InsurSpace is an off-site space "… dedicated to innovation in Insurtech where the most promising international startups will work with MAPFRE's global network." The accelerator looks to both early and late stage start-ups and offers a training program, mentors, networking, prototypes, financing, and workspaces for fledging startups. Housed in a building in downtown Madrid, across from Google's headquarters in Spain, it is looking to be a hub of insurtech innovation in Spain.
Perhaps most surprisingly of all is that MAPFRE's "accelerated launch" into insurtech has been accomplished in a mere nine months. Through the creation of the Transformation and Innovation Committee, chaired by the Global CEO himself, the company says it is trying to embrace a "start-up" mindset with respect to insurance innovation.
Agency Checklists will keep its readers posted on any interesting developments from these initiatives, and if and when of MAPFRE's innovation initiatives arrive in Massachusetts!