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can prepare and increase their odds of winning in certain games such as poker or blackjack. In such an economy and community, we can see insurance in the form o f people helping each other. Should the same thing happen to one's neighbour, th e other neighbours must help. Chinese merchants travelling treacherous river rap ids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The insurance tradition was performed each year i n Norouz (beginning of the Iranian New Year); the heads of different ethnic grou ps as well as others willing to take part, presented gifts to the monarch. When a gift was worth more than 10,000 Derrik (Achaemenian gold coin) the issue was r egistered in a special office. For others, the presents were fairly assessed by the confidants of the court. These new insurance contracts allowed insurance to be separated from investment, a separation of roles that first proved useful in marine insurance. London's growing importance as a centre for trade increased de mand for marine insurance. Edward Lloyd opened a coffee house that became a popu lar haunt of ship owners, merchants, and ships captains, and thereby a reliable sou rce of the latest shipping news. Franklin's company was the first to make contri butions toward fire prevention. A single policy may cover risks in one or more o f the categories set forth below. National Health Service in the UK (NHS) or oth er publicly-funded health programs do not pay for them. Many insurers in the US do not provide flood insurance in some portions of the country. Many types of in surance include an aspect of liability coverage. Professional liability insuranc e may take on different names depending on the profession. DBA is required for a ll US citizens, US residents, US Green Card holders, and all employees or subcon tractors hired on overseas government contracts. It is used to protect public fu nds from tamper by unauthorized parties. The terms of this type of insurance are usually very strict. A first-party coverage for contamination of insured proper ty either by external or on-site sources. The policy usually covers the costs of cleanup and may include coverage for releases from underground storage tanks. P urchase insurance can cover individual purchase protection, warranties, guarante es, care plans and even mobile phone insurance. Insurer so the maximum total cos t of the program is known. The final premium is based on the insured's actual lo ss experience during the policy term, sometimes subject to a minimum and maximum premium, with the final premium determined by a formula. The rating formula is guaranteed in the insurance contract. This can be done on a formal basis by esta blishing a separate fund into which funds are deposited on a periodic basis, or by simply forgoing the purchase of available insurance and paying out-of-pocket. Such losses, if covered by conventional insurance, mean having to pay a premium that includes loadings for the company's general expenses, cost of putting the policy on the books, acquisition expenses, premium taxes, and contingencies. But a summary of its essence is that it is a collection of insurance coverages (inc luding components of life insurance, disability income insurance, unemployment i nsurance, health insurance, and others), plus retirement savings, that mandates participation by all citizens. United States, standard line insurance companies are your "main stream" insurers. They use pattern or "cookie-cutter" policies wi thout variation from one person to the next. Excess and Surplus) typically insur e risks not covered by the standard lines market. Non-admitted insurers are not licensed in the states where the risks are located. However, they still have sub stantial regulatory requirements placed upon them. This is more of a traditional distinction as true mutual companies are becoming rare. The ratings include the company's financial strength, which measures its ability to pay claims. This d efinition can sometimes be extended to include some of the risks of the parent c ompany's customers. Captives may take the form of a "pure" entity (which is a 10 0 percent subsidiary of the self-insured parent company); of a "mutual" captive (which insures the collective risks of members of an industry); and of an "assoc iation" captive (which self-insures individual risks of the members of a profess ional, commercial or industrial association). However, in some cases the benefit derived from tax deferral may be offset by a low return. IRAs, 401(k) plans, Ro th IRAs) may be better alternatives for value accumulation. With premium income of $1,217 billion in 2004, North America was the most important region, followed by the EU (at $1,198 billion) and Japan (at $492 billion). The United States an

d Japan alone accounted for a half of world insurance premiums, much higher than their 7 percent share of the global population. An insurance premium paid curre ntly provides coverage for losses that might arise many years in the future. In recent years, a number of insurance companies have become insolvent, leaving the ir policyholders with no coverage (or coverage only from a government-backed ins urance pool or other arrangement with less attractive payouts for losses). The e ssence of insurance is the transfer of risk from the insured to one or more insu rers. The accounting profession raised serious concerns about the use of reinsur ance in which little if any actual risk was transferred, and went on to address the issue in FAS 113, cited above. Paragraph 12 of SSAP 62 is nearly identical t o the FAS 113 test, while paragraph 14, which is otherwise very similar to parag raph 10 of FAS 113, additionally contains a justification for the use of a singl e fixed rate for discounting purposes. FAS 113 nor SAP 62 defines the terms reas onable or significant. It would be much simpler if one could apply a test of an X percent chance of a loss of Y percent or greater. SEC official who is said to have opined in an after lunch talk that a 10 percent chance of a 10 percent loss was sufficient to establish both reasonableness and significance. SEC official therefore, the rest of this paragraph doesn't apply. This ratio (expressed as a percentage), commonly called the rate on line for historical reasons related to underwriting practices at Lloyd's of London, will typically be low for contracts that contain reasonably self-evident risk transfer. CEO's and CFO's attest annu ally as to the reinsurance agreements their firms undertake. The attestation req uirement only applies to contracts that were entered into, renewed or amended on or after 1 January 1994. For these contracts, a predetermined amount of premium is paid and the reinsurer assumes nearly all or all of the potential variabilit y in the underlying losses, and it is evident from reading the basic terms of th e contract that the reinsurer can incur a significant loss. Contracts of over fi which can impact the accounting treatme ve years duration are classified as long-term, nt, and can obviously introduce the possibility that over the entire term of the contract, no actual risk will transfer. Ideally, the contract should contain an Entire Agreement clause that assures there are no undisclosed written or oral side ag reements that confer rights, create obligations, or create benefits on the part of either or both parties. The risk presented by any given person is assumed col lectively by the community who all bear the cost of rebuilding lost property and supporting people whose needs are suddenly greater after a loss of some kind. I n this manner the community can even out the extreme differences in insurability that exist among its members. If a government building was damaged, the cost of repair would be met from public funds because, in the long run, this was cheape r than paying insurance premiums. As a result, people may buy policies on unfavo rable terms. Brokers represent the buyer (not the insurance company), and typica lly counsel the buyer on appropriate coverages, policy limitations. Unlike a bro ker, who represents the policyholder, an agent represents the insurance company from whom the policyholder buys. Any factor that causes a greater likelihood of loss should theoretically be charged a higher rate. For instance, insurers charg e older people significantly higher premiums than they charge younger people for term life insurance. Old people are likely to die sooner than young people, so the risk of loss (the insured's death) is greater in any given period of time an d therefore the risk premium must be higher to cover the greater risk. The failu re to address the deficit may mean insolvency and hardship for all of a company' s insureds. United States, which does not have socialized health coverage. The i nsurance company uses the information to assess the likelihood that a driver wil l have an accident and adjusts premiums accordingly. Progressive's telematics te chnology business process patents have questioned whether the business process p atents are pareto efficient for society. The rate at which patents have issued h as steadily risen from 15 in 2002 to 44 in 2006. That is, some insurance product s or practices are useful primarily because of legal benefits, such as reducing taxes, as opposed to providing protection against risks of adverse events. Somet imes this tax deferral is the only reason people use these products. Loss ratio is calculated by dividing the amount of losses (sometimes including loss adjustm ent expenses) by the amount of earned premium. However, bankruptcy of the insure

d does not relieve the insurer. March of 2007, the Hands-on Trades Protection Pl an is now offered as a benefit of the Hands-On Trade Association. A rated underw riter and personal customer service from our experienced staff. If you are not c overed by insurance that protects you from claims made against the work you do, then you are leaving yourself open for a lawsuit. Although you may be innocent, you may still be put out of business. Insurance is protection against both false and real claims. Choose to display Republicans or Democrats and use the States menu to select the races you want to watch. I have seen many clients (often refe rred by courts) over the years and have never felt at risk. A top adviser to Joh n McCain said Wednesday that he will step down from the Arizona senator's presid ential campaign if the presumed GOP nominee faces Sen. Politico, three journalis ts I respect a great deal -- Mike Allen, John Harris, and Jim VandeHei -- weigh in on whether political journalists should vote. ABC News is not responsible for the content of external internet sites. BBC News for up-to-the-minute news, bre aking news, video, audio and feature stories. News provides trusted World and UK news as well as local and regional perspectives. US welcomes the killing of top Hezbollah commander Imad Mughniyeh, implicated in numerous bomb attacks. World Trade Organization in a case centred on its limits on foreign-made car parts. Pa kistanis say stability would improve if President Musharraf resigned, a BBC poll suggests. Pakistan's polls be fair - and how much does it really matter? Hodge and The Reporters weigh in on Roger Clemens' and Brian McNamee's testimony in Co ngress. Chairman Henry Waxman makes a closing statement to Roger Clemens and Bri an McNamee. Chris Shays has some harsh words for Brian McNamee during his testim ony in Congress. Elijah Cummings questions Roger Clemens over his alleged use of steroids. Clemens makes an opening statement at the congressional hearing on th e Mitchell Report. Tampa Bay Lightning were trying hard to trade Vinny Prospal b efore he spouted off last night with a thinly-veiled shot at John Tortorella - a nd they were - how much do you think they want to ship him far, far away now? Se nators have added three Stanley Cups to their roster, and the deal makes sense f or Carolina because they get a good, young player and help on the power play. Pl ay now for your chance to win a 2-year lease on a Ford Edge. The Saskatchewan Ro ughriders have re-signed the 29-year-old to a two year contract with an option. Dean Lombardi, the Kings' president and general manager, is expected to meet wit h defenseman Rob Blake today to discuss Blake's future with the team. Sports' NH L 08 continues to push the hockey game forward. Kelly Scott headlines a strong f ield for this year's event in Regina. Matt Dominguez, offensive tackle Dan Goods peed and defensive lineman Tom Canada are just some of the players that are elig ible to become free agents at Midnight on Friday. Ski Racing Canada to bring you in-depth coverage of the 2007-08 season. Alpine, cross-country, snowboard, free style - it's all covered with news reports, features, athlete profiles and more! Elijah Cummings, to Roger Clemens at the Congressional hearings. Sydney Morning Herald has the latest local news on Sydney, NSW. National News from Australia, World News and Breaking News stories. Underbelly from illegal websites, defying screening ban in Victoria. AMP, Australia's top pension administrator, missed es timates with a 10 per cent rise in full-year underlying profit, but said it was well positioned to grow despite current market volatility. Payment times are bei ng stretched in almost all industries. Microsoft or prod its unsolicited suitor into raising its current takeover bid. Day comes once a year, but travel offers a year-round opportunity to show that special person in your life how much you l ove them. Kurtley Beale has not ruled out switching codes despite yesterday agre eing to another season with the Waratahs. Murray's contract will not be extended beyond this season. Tonight's TV features all the brown retro-cop goodness of L ife on Mars. Tropfest - the program, the people, the shortlist, the stars. Megan Gale farewelled the Sydney catwalk at the David Jones' winter collection parade . Paula Goodyer states the case for eating less processed food. Alex May shows h ow you can get the most out of men on Valentine's Day. Johansson says she loves working in films in which she plays the scarlet woman. Lucas said Revenge of the Sith would be his final Star Wars film but wait, there's more. Spanish actor be came the latest in a long line of memorable Hollywood villains. Hottie and the N ottie grossed just $10,000 in its first weekend at the US box office. Megan Gale

farewelled the catwalk at the DJs' winter collection parade. World Wide Web Con sortium (W3C) is an international consortium where Member organizations, a fulltime staff, and the public work together to develop Web standards. Web standards and guidelines designed to ensure long-term growth for the Web. W3C is a forum for information, commerce, communication, and collective understanding. FLWOR Fo undation for their generous sponsorship of XML10. The success of XML is a strong indicator of how dedicated individuals, working within the W3C Process, can eng age with a larger community to produce industry-changing results. This document provides a set of guidelines for developing XML documents and schemas that are i nternationalized properly. XML applications, as well as the author of XML conten t to create material in different languages. This new version provides more accu rate results and a more reliable experience. Web content and Web applications mo re accessible to people with disabilities. Participants discussed ways to facili tate the deployment of Web standards across government sites and how to shape th e ongoing research agenda in the development of Web technology and public policy in order to realize the potential of the Web for access to and use of governmen t information. Each recipe introduces general principles and an example configur ation for use with an Apache HTTP server (which may be adapted to other environm ents). This document defines the Simple Knowledge Organization System (SKOS), a common data model for sharing and linking knowledge organization systems via the Semantic Web. SKOS also provides a lightweight, intuitive language for developi ng and sharing new knowledge organization systems. HTML 5 to be the open, royalt y-free specification for rich Web content and Web applications. Tim Berners-Lee, author of the first version of HTML and W3C Director. New features include APIs for drawing two-dimensional graphics and ways to embed and control audio and vi deo content. Web content via mobile devices, and similar barriers for people wit h disabilities using desktop computers. Continuing TAG participants are Noah Men delsohn (IBM), David Orchard (BEA), Jonathan Rees (Science Commons), Norm Walsh (Sun), and Stuart Williams (HP), who co-Chairs the TAG with Tim Berners-Lee. SPA RQL queries hide the details of data management, which lowers costs and increase s robustness of data integration on the Web. Semantic Web without SPARQL is like trying to use a relational database without SQL," explained Tim Berners-Lee, W3 C Director. XML-based language that allows authors to create interactive multime dia presentations. AgileDelta supports the W3C's efforts on XML and Web services standards, which are key components in AgileDelta's products. After a late-day push, stocks finished Wednesday near their session highs. Quotes and other infor mation supplied by independent providers identified on the Yahoo! Quotes are upd ated automatically, but will be turned off after 25 minutes of inactivity. Quote data delayed 15 minutes for Nasdaq, 20 minutes for NYSE and Amex. All informati on provided "as is" for informational purposes only, not intended for trad ing purposes or advice. Community Sentiment based upon voluntary postings to Yah oo! The Community Sentiment information is not intended as investment advice and does not constitute recommendations or endorsements of any issuer, securi ty or action. You are solely responsible for the investment decisions made by you and the consequences resulting therefrom.