Calcium and Vitamin D: Who Needs It, and How Much. The answers depend on three things, not to mention which experts you happen to ask: the foods and drinks you regularly consume, your personal and family history of broken bones, and habits that influence bone health. Dr. Heaney, a bone specialist at Creighton University in Omaha, maintains that “at least one- third of all osteoporotic fractures have a nutritional basis.”What you eat and drink, from childhood on, is critical to the amount of calcium in your bones. Dairy foods, especially milk, yogurt and cheese, are the primary sources of calcium in the American diet, and consumption of milk has been falling steadily for decades, especially in adolescence, when most bone development occurs. A British study concluded that frequent milk consumption before age 2. Other foods are not nearly as rich in absorbable calcium, or the amounts normally eaten do not come close to the calcium content of dairy products: 3. Sardines and canned salmon eaten with the bones are good sources, and almonds are a fair source if you eat enough of them. And calcium- fortified foods like orange juice, soy milk, breakfast cereals and tofu are now widely available. Too Much of a Good Thing. But some other desirable foods are problematic, at least when it comes to calcium: you’d have to eat so much broccoli to approach the level in milk that it could be toxic to your thyroid gland. Other vegetables with calcium, like spinach, collards, kale and beans, contain oxalates that block calcium absorption. Photo. Credit. Yvetta Fedorova For daily calcium intake, the institute now recommends 1,0. The upper limit of safety, the institute said, is 2,0. Thus, if you are a postmenopausal woman who typically consumes only one or two servings a day of dairy, you may be hard put to get 1,2. Ethel Siris, director of the osteoporosis clinic at Columbia University Medical Center in New York, said such women could benefit from a supplement of calcium carbonate (6. Be sure to read the product label carefully — a usual “serving” is two tablets. Calcium carbonate should be taken with meals to assure absorption, but calcium citrate can be taken at any time and may cause fewer digestive problems. Most calcium supplements now also contain vitamin D (usually as cholecalciferol, or D3), supplying about 2. The Institute of Medicine recommends 6. Vitamin D has one advantage over calcium: It is fat- soluble and can be stored in the body for later use. Whether you're looking to lose weight or just get healthier, find tips on diet and weight loss, celebrity workouts, and healthy recipes on Glamour.com. From Abracadabra to Zombies . We must consume these true vitamin A foods to meet our requirement for vitamin A. Hint: carrots are not a source of vitamin A! But getting enough of it can be tricky. The body gets most of its vitamin D not from diet but from skin exposed to the ultraviolet B radiation in sunlight. Unprotected skin on the arms and legs may need about 1. Alas, this production is effectively blocked if you follow current advice to prevent skin cancer and wrinkles by always covering up or using ample amounts of sunscreen. Used properly, sunscreens with an SPF of 8 or higher completely block UVB radiation and prevent synthesis of vitamin D. Also, people who are dark- skinned or housebound or who live in far northern latitudes may fail to make enough vitamin D. And as people age, their bodies are less able to convert the vitamin into the hormone that is its biologically active form. Surprisingly, two of them are practices often undertaken to improve health: a vegetarian diet and weight. The web is full of rumors and hearsay about vitamin B5 (pantothenic acid) for acne, but there’s a gaping black hole when it comes to credible, evidence-based. Vitamin ShelvesVitamin C overdose/deficiency symptoms, optimal dosage, health benefits, side effects, DRI/RDA for adults, children, pregnancy, food sources. Should I give a Vitamin B12 supplement to my dog? Almost every expert recommends it. And everyone's taking it. But what if we've been using it wrong? What if our vitamin D supplements aren't really helping us at all? A self-help guide to immune restoration for persons with Candidiasis, Cancer, HIV/AIDS, Chronic Fatigue Syndrome, HCV, HBV, HSV I and II. Includes the Journal of. Can I get too much vitamin D? Too much of any good thing is a bad thing. Too much vitamin D can cause an abnormally high blood calcium level, which could result in. Milk is fortified with vitamin D at a level of 4. Many breakfast cereals are also now fortified. The only naturally rich dietary sources are oily fish from the sea like salmon and mackerel, egg yolks, liver and fish liver oil. Testing and Maintaining. An increasing number of physicians now routinely test vitamin D levels in the blood of their female patients, and if it is below 3. The Institute of Medicine maintains that a level of 2. In any event, unless you are a year- round sun worshiper, a daily supplement of calcium with D, or even a separate supplement of 1,0. D, is likely to keep you well below the institute’s upper safe limit. Based on current evidence, unless you have a severe deficiency requiring temporary megadoses to correct, there is no reason to go any higher. At the same time, you’d be wise to get sufficient weight- bearing exercise and avoid several bone- robbing habits: smoking; eating a lot of salty foods; drinking more than two alcoholic drinks a day; consuming more than the caffeine equivalent of two cups of coffee a day (about 3. As for soft drinks, Dr. Siris advises a daily limit of two 1. Continue reading the main story.
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This presents a hazard because soil lead can adhere to or get absorbed into edible plants. An additional pathway of exposure occurs when contaminated soil dust enters homes and is accidentally ingested. Lead is a potent neurotoxin that affects childhood development. Urban agriculture and Vege. Safe. Urban agriculture is becoming more popular across Australia. Jordan Howard 2017 player profile, game log, season stats, career stats, recent news If you play fantasy sports, get breaking news and immerse yourself in the. The Annual Peace and Education Coalition Fundraiser will be held May 20, 2017, 10 AM at the Back of the Yards College Prep High School (2111 W 47th Street, Chicago). Dolphins RB Jay Ajayi has rushed for 200 yards in back-to-back games, becoming the fourth player in the Super Bowl era to do so. Football Outsiders is the internet home for Innovative Statistics and Intelligent Analysis of the NFL and college football. Our writers, led by Aaron Schatz, also. Elevated lead levels in Sydney back yards: here’s what you can do. From 100 yards out, Tim Howard attempts an amazing feat during a football match between Everton and Bolton. The Wild Backyards Project Room on Education Queensland's Learning Place supports schools who wish to conduct biodiversity studies using the Backyard Explorer. San Miguel School 1954 W. 48th Street Chicago, IL 60609 Main Office: 773-890-1481 Development Office: 773-890-0233 Fax: 773-304-1984. Almost half (4. 8%) of all households in metropolitan areas are now growing some form of edible produce. Most lead contamination is a result of the historical use of lead petrol and lead- based paint (now phased out) and previous industrial emissions. Scientists and regulators are well aware of these legacy issues, but the general public remains underinformed about the potential risks. To help urban gardeners assess contamination risks associated with their garden soils, we started the community science initiative Vege. Back Of The Yards ShootingBack Of The Yards LibrarySafe in 2. 01. 3. This program offers free soil metal screening to participants. Each participant receives a formal report on their soil metal results and advice about what to do next if soils contain elevated concentrations of metals. We have provided 5,5. Australia- wide), the largest program and study of its kind in Australia. What did we find? As well as the 4. Sydney gardens containing soil above the 3. Australian health guideline, approximately one in seven homes had soils lead levels greater than 1,0. Soil metal concentrations were typically greatest around drip lines. Soil lead concentrations were greatest in the City of Sydney and former local government areas of Leichhardt Municipal Council and Marrickville Council, which had mean soil lead concentrations of 8. Soil lead concentrations of vegetable garden soils from 1. Sydney homes. Map represents one of four areas around homes (front yard, drip line, back yard and vegetable garden) in this study. Source: Rouillon et al. Homes with painted exteriors built before 1. The highest levels are at homes 8. This is likely to have been caused by lead- rich paint, which contained up to 5. Lead in paint was reduced to less than 1,0. We observed the environmental benefit of the withdrawal of lead from paints and leaded petrol (removed in 2. Garden soils at newer homes contain the least lead. Soil lead concentrations decrease with distance from Sydney’s city centre, where there are more old homes and greater density of traffic and industry. Cross- section schematic of a typical inner- Sydney residential home with median soil Pb (lead) concentrations for painted pre- 1. The vegetable garden is displayed at the rear of the back yard, as this was the case for the majority of homes. Source: Rouillon et al. Public health. Lead exposure is especially detrimental for children because their neurological and skeletal systems are developing. Adults are also adversely affected, with studies showing increased blood pressure and hypertension associated with sub- clinical exposures. Toxicological evidence also shows that exposure reduces semen quality and extends the time to pregnancy. In short, lead is detrimental to all human systems and exposures should be avoided or minimised at all times. Our study demonstrates lead contamination in garden soils is greater at painted homes than non- painted homes. Many pre- 1. 97. 0 Australian homes still contain paint with up to 5. Indeed, many home renovators unwittingly expose themselves and others due to a lack of knowledge of lead hazards. Paints containing lead are no longer used in Australia, but remain on countless homes. Reducing exposure. The United States Environmental Protection Agency introduced legislation specifically targeting houses with lead paint to prevent contamination and to minimise avoidable lead exposures. Unfortunately this regulatory gap has not been filled in Australia. Despite the widespread historic use of lead- based paints and the high proportion of exposure related to it, our data reveals a concerning legacy of soil lead contamination in older suburbs. We recommend that people residing at or planning to purchase or renovate homes built before 1. Using a qualified lead- abatement decorator in older homes would also help prevent exposure. Where parents and homeowners think they may have caused exposure, their GPs can provide a blood lead test. The graphic illustrates that the most IQ points across a population are lost from low- level lead exposures. Bruce Lanphear’s prevention paradox. The majority of IQ points lost to lead exposure occurs in children who have low- to- moderate exposure to lead. Adapted from Reference (Lanphear 2. What can gardeners do? Where non- food- growing soils exceed the Australian soil metal guidelines, we recommend maintaining year- round cover of lawn or mulch to minimise dust generation. Where metal guidelines are exceeded in food- growing soils, we recommend either replacing existing soil with new, uncontaminated soil, or relocating the food garden to an above- ground vegetable plot (again with new soil). In this way, gardeners can exercise our motto, which is to carry on gardening knowing their soils are clean. The Vege. Safe program is ongoing for all Australians. Gardeners can send their soil samples to Macquarie University for free soil metal screening of their soil. We do, however, take donations to help sustain our program – so please support your citizen science. 5/21/2017 Watch online Florence Foster Jenkins in english with english subtitles in UHD 16:9Read NowFlorence Foster Jenkins Movie Review (2. The squawks that Florence Foster Jenkins emits when straining for high notes sound as if she were a goose trying to lay an oversized egg after ingesting helium. Her pitch could not be any flatter if it were a bulldozed pancake found under a ton of bricks. During her lone public performance, she huffs and puffs and nearly blows down Carnegie Hall while committing auditory assault in the first degree. But at some point while watching “Florence Foster Jenkins,” I can guarantee you will find yourself growing quite fond of this early 2. New York City dowager, despite her eardrum- puncturing delusions of being a Valkyrie- level opera singer. That’s because, in this charming and delightful biopic that bears her name, the matronly Jenkins is an endearing and courageous stand- in for countless other mortals whose aspirations in the arts often far exceed their talents. Advertisement. Whereas most of us these days would simply settle for karaoke, Jenkins was in possession of a magic ingredient that helped make her performing wishes come true—money. Gobs of it, inherited from her father. As a generous and gracious promoter of music in many forms, Jenkins invested wisely. She was a chummy benefactor to the famous likes of conductor Arturo Toscanini and formed a club for her coterie of fans that included lunches overflowing with sandwiches and potato salad, ladled from an actual bathtub. She also had her own private nightspot where she staged living tableaus, including one that involved her precariously hanging from the ceiling attired as an angel while a team of men engaged in a titanic struggle to keep her plump form aloft by means of a pulley. Read the Florence Foster Jenkins movie synopsis, view the movie trailer, get cast and crew information, see movie photos, and more on Movies.com. Jenkins is also blessed to have Meryl Streep, pulling off yet another miraculous physical transformation that is as delicious in its own way as was her joyful depiction of famed chef Julia Child in “Julie and Julia.” Oscar’s favorite diva relies on many of her usual tricks to not only nail the oft- times sweetly farcical elements embedded in the role, but also capture the poignancy of a 7. With a broadened waistline, bonus facial wrinkles, an obvious wig to disguise a bald head and a wardrobe consisting of everyday frocks that resemble flowery tents or ornate senorita stage costumes, the actress puts all vanity aside and makes us believe she is this person. Streep’s biggest triumph, however, is how she fully emulates her character’s unique vocal stridency. Her own early opera training comes in handy here—and when a recording of Jenkins is heard before the end credits, it becomes astonishingly clear just how skilled Streep is at singing badly. She also is not alone in breathing life into what could have simply been a fusty little old lady period piece. British director Stephen Frears, who has previously proven to be adept at showcasing wonder women of a certain age (Helen Mirren in “The Queen,” Judi Dench in “Mrs. Henderson Presents” and “Philomena”), coaxed Hugh Grant out of semi- retirement to play Jenkins’ devoted common- law husband St. Florence Foster Jenkins. 43,070 likes · 68 talking about this. Starring Meryl Streep and Hugh Grant, the film tells the true story of the legendary New. Florence Foster Jenkins was a mid-20th-century New York socialite who became known for her generosity to musicians and musical institutions, then grew notorious for. In her time, Florence Foster Jenkins was a novelty in the history of music, an operatic coloratura who had all of the requisite charms and trappings worthy of a diva. Florence Foster Jenkins will strike a chord with those looking for relief in the form of originality, top-tier acting and amazingly godawful singing. It’s a good thing he did, too, since Grant gives one of his finest performances ever. Advertisement. At first, it is easy to be suspicious of Bayfield, a middling Shakespearean actor, whose primary purpose is to dote on Jenkins, indulge her every whim and shield her from hearing any harsh reaction to her rancid arias. Grant has done his fair share of cads over the years. Is he just a gigolo plundering her riches for his own gains, especially since he keeps a separate apartment complete with a much younger mistress? But it becomes apparent soon enough that there is a deep and sincere connection between the pair as he tenderly calls her “bunny rabbit” and she flutters in her devoted protector’s presence like a giddy schoolgirl. And where has this comedic prodigy Simon Helberg been hiding all this time? On TV’s “The Big Bang Theory” for 1. What Alden Ehrenreich was to “Hail, Caesar!” earlier this year—a standout amongst stars—that is what Helberg is as Cosme Mc. Moon, Jenkins’ shy, pigeon- chested accompanist who is often on the verge of full- out hysteria when not stifling giggles over his employer’s warbling deficiencies. He, too, acquires a respectful affection for Jenkins, as revealed in a quiet scene where they perform an intimate Chopin piano duet that is touching enough to draw tears. The story itself is intriguing but veers too far towards the overtly sentimental as it concludes. But in a rather off- key summer movie season heavy on rehashed material, “Florence Foster Jenkins” will strike a chord with those looking for relief in the form of originality, top- tier acting and amazingly godawful singing. The sense of kindness afforded to its central grand dame, a commodity that has been short supply of late as an ugly, insult- filled political contest marches on. Florence Foster Jenkins DocumentaryThe biography that inspired the critically- acclaimed film: Nicholas Martin, Jasper Rees: 9. Amazon. com: Books. Nicholas Martin has worked as a croupier, a labourer, a bouncer and a barman. In his early twenties he worked at sea as a deck hand and later as a yacht captain. He then worked as a journalist and travel writer, contributing to The Sunday Times, the Guardian and various magazines, before becoming a screenwriter, graduating from the National Film and Television School in 1. He has written over the years for most broadsheets, but principally the Daily Telegraph, Independent, Evening Standard and The Times Saturday Magazine. Official movie site for Florence Foster Jenkins. Watch Florence Foster Jenkins on DVD, Blu-ray and Streaming. Buy Florence Foster Jenkins: The biography that inspired the critically-acclaimed film on Amazon.com FREE SHIPPING on qualified orders. Jenkins!!!” a charming biography by Darryl W. Bullock, tells the story of the world’s worst opera singer. He has also written for Vogue, Harper's, Radio Times and GQ. He is the author of the books, Bred of Heaven: One Man's Quest to Reclaim his Welsh Roots and I Found My Horn: One Man's Struggle with the Orchestra's Most Difficult Instrument. Florence Foster Jenkins Bio5/21/2017 In Flames Concert Film: Live In Scandinavium movie online in english with subtitles in 2KRead NowIn Flames in Gothenberg. In Flames - In Plain View - Live In Gothenburg 08.11.14.Live in Scandinavium Online Free. In Flames Concert Film: Live in Scandinavium (2016) Movie. Watch Soldado Movie Online Free Watch Soldado 2017 Online Free Download Soldado Full Movie Streaming. In Flames Concert Film: Live in Scandinavium (2016. Concert Film: Live in Scandinavium 2016. Flames Concert Film: Live in Scandinavium. Concert Film: Live in Scandinavium 2016 In Flames. Palace Of Fun (2015) English Film; Kung Fu Princess (2016) HD English Full Movie Download;. 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In Las Vegas, the opening weekend of the NCAA tournament is a shrine to betting, booze and basketball, and it just keeps getting bigger and better. Barfly is a 1987 American comedy drama film directed by Barbet Schroeder and starring Mickey Rourke and Faye Dunaway. The film is a semi-autobiography of poet/author. Three buddies wake up from a bachelor party in Las Vegas, with no memory of the previous night and the bachelor missing. A collection of pictures identifying poison ivy, poison oak and poison sumac. Pictures are being added which detail the changes in the plants in the various seasons. The Genki Girl is a character—usually a schoolgirl, but not always—who acts like she's. Philippa Gregory - Wikipedia. Philippa Gregory. Philippa Gregory at the 2. Texas Book Festival. Born. Philippa Gregory(1. January 1. 95. 4 (age 6. Nairobi, Kenya. Pen name. Philippa Gregory. Occupation. Novelist. Language. English. Nationality. English. Will the Redskins apply the franchise tag to keep Kirk Cousins? The QB's future in Washington could come into focus during the next two weeks. While Cousins is a dominant center, the Lakers were wise not to break up their young nucleus of Julius Randle, D’Angelo Russell and Brandon Ingram in order to try. Darwin is a perfect example of the problems caused by multiple-generation close-relative marriages. Charles Darwin’s parents were first cousins, and the Wedgewood. The Kingmaker’s Daughter is the gripping story of the daughters of the man known as the 'Kingmaker', Richard Neville Earl of Warwick: the most powerful magnate in. Christmas MIDI pages all year round with stories, coloring book, and more. Www.wise-fhs.org Volume 13, Number 2 Denver, Colorado April, May, June 2012 Irish Quakers from Ulster to Pennsylvania--Paul Kilburn The Society of Friends is a. Ethnicity. English. Period. 19. 87–present. Genre. Historical fiction, romance, fantasy. Notable awards. Ro. NA Award. Spouse. Peter Chislett (divorced)Paul Carter (divorced)Anthony Mason. Children. Two children. Four step- children. Websitewww. philippagregory. Philippa Gregory (born 9 January 1. English historical novelist who has been publishing since 1. On Monday, April 10, the body of Brant Larry Wise was found near his boat, the Veronica, in the Outer Banks’ Pirates Cove Marina channel after he’d been missing.The best known of her works is The Other Boleyn Girl (2. Romantic Novel of the Year Award from the Romantic Novelists' Association. She then went to journalism college in Cardiff and spent a year as an apprentice with the Portsmouth News before she managed to gain a place on an English literature degree course at the University of Sussex, where she switched to a history course. Gregory has taught at the University of Durham, University of Teesside, and the Open University, and was made a Fellow of Kingston University in 1. Private life. They divorced before the book was published. Following the success of Wideacre and the publication of The Favoured Child, she moved south to near Midhurst, West Sussex, where the Wideacre trilogy was set. Here she married her second husband Paul Carter, with whom she has a son. She divorced for a second time and married Anthony Mason, whom she had first met during her time in Hartlepool. Gregory now lives on a 1. North York Moors National Park, with her husband, children and stepchildren (six in all). Her interests include riding, walking, skiing, and gardening. Writing. Reading a number of novels set in the 1. Lacey trilogy – Wideacre, which is a story about the love of land and incest, The Favoured Child and Meridon. This was followed by The Wise Woman. A Respectable Trade, a novel of the slave trade in England, set in 1. Bristol, was adapted by Gregory for a four- part drama series for BBC television. Gregory's script was nominated for a BAFTA, won an award from the Committee for Racial Equality, and the film was shown worldwide. Two novels about a gardening family are set during the English Civil War: Earthly Joys and Virgin Earth, while she has in addition written contemporary fiction – Perfectly Correct, Mrs Hartley and the Growth Centre, The Little House and Zelda's Cut. She has also written for children. Some of her novels have won awards and have been adapted into television dramas. The most successful of her novels has been The Other Boleyn Girl, published in 2. BBC television in 2. Natascha Mc. Elhone, Jodhi May and Jared Harris. In the year of its publication, The Other Boleyn Girl also won the Romantic Novel of the Year. Miramax bought the film rights to The Other Boleyn Girl and released a film of the same name in February 2. Gregory has also published a series of books about the Plantagenets, the ruling houses that preceded the Tudors, and the Wars of the Roses. Her first book The White Queen, published in 2. Elizabeth Woodville the wife of Edward IV. The Red Queen, published in 2. Margaret Beaufort the mother of Henry VII and grandmother to Henry VIII. The Lady of the Rivers (2. Jacquetta of Luxembourg, mother of Elizabeth Woodville. The Kingmaker's Daughter, published in 2. Anne Neville, the wife of Richard III, and The White Princess (2. Elizabeth of York, wife of Henry VII and the mother of Henry VIII. The latest work is the 2. The King's Curse, about the life of Margaret Pole, Countess of Salisbury, the daughter of Isabel Neville and George Plantagenet, 1st Duke of Clarence. The 2. 01. 3 BBC One television series The White Queen is a 1. Gregory's novels The White Queen, The Red Queen and The Kingmaker's Daughter (2. The anthology, Why Willows Weep has so far helped The Woodland Trust plant approximately 5. Historian David Starkey, appearing alongside Gregory in a documentary about Anne Boleyn, described her work as . The idea that they have authority is ludicrous. She is also a frequent broadcaster and a regular contestant on Round Britain Quiz for BBC Radio 4 and the Tudor expert for Channel 4's Time Team. She won the 2. 9 December 2. Celebrity Mastermind on BBC1, taking Elizabeth Woodville as her specialist subject. Charity work. The people of Chagos were relocated by the British government when the archipelago in the Indian Ocean was cleared in the 1. U. S. Gregory often speaks about the Chagossians' situation and lobbies the government to take action. Bibliography. Hartley and the Growth Centre (1. This book was later republished with the new title Alice Hartley's Happiness)Short story. Retrieved 1. 2 December 2. Philippa Gregory walk at BBC Bristol Retrieved 6 June 2. Philippa Gregory at Chroniclelive. Retrieved 6 June 2. Philippa Gregory The Guardian Education interview. Retrieved 6 June 2. Gregory, Philippa. Retrieved 6 October 2. Retrieved 7 October 2. Retrieved 9 November 2. Accessed 1. 2 September 2. Bordo, Susan (2. 01. The Creation of Anne Boleyn: A New Look at England's Most Notorious Queen. Houghton Mifflin Harcourt. Retrieved 2. 1 September 2. Retrieved 3. 1 May 2. The Creation of Anne Boleyn: A New Look at England's Most Notorious Queen. Houghton Mifflin Harcourt. Gardens for The Gambia, registered charity no. Fantastic Damage TorrentFantastic Claims - Bain & Company. Earning customers’ loyalty. Upgrading to smarter digital technologies. Tuning the adjustment process for efficiency and accuracy of payouts. Fantastic Damage ZipSelectively using specialists. Strong execution in each of these four areas accelerates profitable growth through greater customer retention, lower expenses and lower indemnity spending. The customer connection: It’s not just a transaction anymore. Some carriers steeped in an actuarial culture remain skeptical that the customer’s experience matters as much as pricing or risk modeling.
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One carrier in Brazil, for example, developed a network of integrated auto claims drop- off centers across the country. Claim adjusters conduct damage appraisals on site, and approved garages nearby handle repairs. The insurer realizes net repair costs that are significantly lower than those of comparable claims appraised directly at garages, while customers benefit from the convenience as well as a discount in deductibles to use these centers. In fact, customers who use the auto centers give the company a higher NPS than other customers who file comparable claims. Presenting attractive self- service options provides another route to improving the customer experience and, often, to reducing expenses in the bargain. Allstate and other carriers have started to allow customers in minor traffic accidents to use their smartphones to photograph the damage and upload the images using an app. In some cases, carriers can settle the claim on the spot and make a direct deposit to the customer’s bank account. And as in- vehicle telematics catches on, carriers will be able to lay the black- box data over the customer’s own report, for a more accurate picture of what happened. Self- service puts the customer in control, but the mechanics must work well, if not flawlessly, in order to delight the customer rather than impose a burden at a stressful moment. Initiatives like these succeed when they directly address customers’ most pressing needs, gleaned from the customers themselves. Insurance companies that sustain high levels of loyalty regularly solicit customer feedback to understand what they are doing right and wrong. They loop the feedback quickly to frontline employees and their managers, who uncover the root causes of both problems and areas of distinction, then take targeted actions to improve customers’ experience. Information technology: Look outside for flexible systems and innovation. Many carriers are weighed down by legacy information systems as old as the 1. But the work of claims units has outgrown what these legacy systems can handle. Claims information architecture has become quite complex, integrating information from mobile phones, mail, fax, email, call centers, and batch and online systems. And claims units want to supplement their intuition and classic investigative methods with data analytics, in order to make better decisions. Carriers thus have been investing in new information technology (IT), including a shift to external modular solutions provided by Guidewire and other firms (see Figure 3). The challenge will be to reap value from these tech investments, by moving beyond process efficiency to using IT in ways that reinforce close connections with customers and inform better decision making. Carriers can take advantage of the surge in digital innovation. Here’s a taste of the options now available: Mattersight software listens to claims interviews for various carriers in order to discern whether the claimant is being truthful. State Farm uses an online auto parts exchange called Parts Trader to more efficiently source parts for repair work. Eagle. View relies on satellite imagery to identify pre- existing conditions and estimate storm damage to roofs, eliminating the need in most cases for an adjuster to visit the property. Enservio software estimates the value of contents in a home based on demographic and other information. If a house is destroyed, a carrier using the software can make a payout three times faster than processing a traditional bank check and sharply reduce time- consuming negotiations. These and other innovations give adjusters new tools to determine payouts, but it’s also essential that carriers adapt their processes so adjusters can use the data to make better decisions. A well- tuned adjustment process: Aligning everyone’s incentives. With so much value at stake in the claims process, it’s worth a renewed push to ensure that carriers make the right payout through a more efficient process, in ways consistent with a positive customer experience. Payouts comprise roughly 8. At some carriers, we estimate that they overpay, on average, by 1. A review of independent field adjusters showed that one carrier’s estimated promise of a payout, based on a desk review of the claim, was 1. Naturally, receiving a smaller payment than expected negatively affected the customer’s perceptions of the company. To improve the process, therefore, leading carriers are investing in capabilities for smarter claims segmentation up front (see Figure 4). It’s no longer effective for each adjuster to get a mix of simple and complex claims. Instead, many insurers have their most experienced adjusters handle the most complex and large- loss claims, with some of these adjusters specializing in certain types of claims. The simpler claims can be handled by less experienced, lower- cost staff and auto- adjudication software. Leading companies such as Chubb go a step further, deploying sophisticated models for faster, more accurate triaging and routing of claims. This allows Chubb to deliver exceptional claims service and payout at the appropriate amount, not a penny more or less. As a result, for its personal and commercial lines, Chubb has the lowest loss ratio of the largest carriers, relatively high customer loyalty scores for its markets and stable premiums in a turbulent environment. With smarter segmentation in mind, some carriers find it increasingly attractive to outsource the straightforward majority of claims, while keeping more complex and high- value claims in- house (see Figure 5). XL, for instance, uses a network of several providers and just a handful of employees to oversee its claims. Third- party administrator WNS, based in India, handles claims for insurers and, by working under a contract based on outcomes, also shares the risk. Outsourcing offers several benefits: Access to global talent, combined with cost savings through labor arbitrage. Higher productivity by leveraging best- in- class practices and large- scale IT investments. More flexibility through a variable cost model. A better experience for commercial customers through more tailored updates, reporting and handling. Third- party administrators tend to have more flexible systems than insurers’ own core systems. As an alternative, a number of carriers have opened their own offshore facilities in low- cost locations. AIG, which operates in more than 9. And QBE of Australia has opened an offshore facility in the Philippines, where it found high- caliber, low- cost talent to support its worldwide operations. Regardless of who handles the claim, carriers need to choose and manage vendors and service providers, such as car repair shops and medical doctors, with greater care. It’s critical to develop a trusted panel of preferred providers that adhere to contracts based on performance and have distinct service levels and fee arrangements to ensure consistent, high- caliber service on behalf of carriers and customers. Specialists on call: Knotty claims untangled. For a typical large carrier, complex claims represent only 5% of cases but 7. In response, more carriers have been using expert specialists, either by building specialized claims units or enlisting outside firms. Santam, a South African multiline insurer, captures key risk indicators when claims are made and triages them into five categories. It settles immediate claims with no further assessment. Merit claims with a high fraud risk go to specialists. Other categories may require a visit by a Santam operative. Through triage and greater reliance on specialists, Santam has speeded up its claims processing by 9. Specialist expertise, whether in- house or external, is proving particularly valuable in three areas: Litigation management. Forward- thinking carriers have been working to actively prevent litigation. They’ve also upgraded their in- house counsel and winnowed their external panel to a smaller number of law firms with greater attention to aligning incentives and focusing on outcomes rather than billable hours. Some carriers in the UK, Europe and Australia, for instance, now pay a fixed amount per case and target an annual level of indemnity. This benefits the law firm as well, because it is assured of business and avoids having to track hourly billing. One global multiline insurer pruned its panel from 2. Loss leakage went from 1. Thy Hand Hath Provided. I force myself up soon after 8am when I hear the toddler stirring in the next room. Ready toddler's family visit diaper bag- making sure it has diapers, wipes, snack, milk with a cold pack, a few toys and a change of clothes. Retrieve now fully awake toddler from crib and give him a bath since his hair smells like he spit up during the night. Feed toddler breakfast while I eat my yogurt and granola and drink some more of my (now cool) coffee. Wake up big kids and give instructions for the morning. Pile back into van- hand sanitizer all around. Drive directly to toddler's doctor's office for appointment. Put toddler down for nap. Get dishes into the kitchen. Work on school until mail comes and Sadie's first American Girl doll arrives (which she saved up for herself). Start to think about dinner and decide I need to document one of these days so one day I can remember what life is like right now. Drop Sam and Sadie off at choir and drive to the grocery store. Pol together. Hug girls goodnight, discuss next day's plan (Jamey has off!), watch a TV show, greet Sam when his ride drops him off at home. Send him into the kitchen to find dinner and snacks. Check email, read a few articles, check out what friends are up to on facebook, watch some PBS Masterpiece and head to bed. Things I did not include: - times I let the dog in and out of the house- times I loaded and tended the wood stove- diapers changed- times I scolded myself for not drinking enough water (I had my first kidney stone this summer which was ALMOST LIKE LABOR)- times I asked the kids to be quiet because the baby is sleeping- photos because I didn't even think to take any. These days I experience many moments when I'm fully present in the now. Sudden and breathtaking, they're sublimely divine rescues that pull us back from the brink and into a place of grace. Here are many such stories exemplifying God's always perfect timing and choreography. Use the search feature at top of page to find a story by. God calls off the search. She often wondered about the sister who’d been given up for adoption. But her continued searches went nowhere. Until, that is, she surrendered the outcome to God. A little girl lives in a very grown-up world with her mother, who tries to prepare her for it. Her neighbor, the Aviator, introduces the girl to an extraordinary. The chosen. Stranded. South Africa — as were thousands of. So she did all she could: she prayed. Until, that is, he collapsed while up there and his brother found he had no pulse. With tears in his eyes, he prayed for God’s healing. The message behind it, however, was crystal clear. Though born in El Salvador, he wasn’t fazed by the odds against a match. And when she lost her wedding band, she wondered: what was God telling her? Faced with a car repair bill and. Her lungs filled with fluid, awaiting a risky life- saving procedure, she prayed for healing. Below, commuters sped home. At Little Hands Family Services, we believe that Little Hands can make a big difference. Continue Reading ». Big Little Lies star deserves recognition for her talents at award shows and on the small screen. Little Bigfoot Bunny, Here is an older pattern of mine that is part of a series I designed in 2012 called the "Little Bigfoots" I recently decided to redesign them. Marco Rubio told supporters last week that GOP presidential rival Donald Trump is "always calling me 'little Marco.'" "He is taller than me, he's like 6' 2", which is. The hard clam (Mercenaria mercenaria), also known as a quahog (or quahaug), round clam, or hard-shell (or hard-shelled) clam, is an edible marine bivalve mollusc that. Hand hewn log cabins the old fashion way like the early pioneers. Barns, hunting cabins, art studios, workshops, man caves and guest quarters. Designed and built out. Except that one fateful day. But. the sweater had gone missing and little Harley could not be consoled. Only. it was really happening to her. With no one around to help. From out of nowhere, someone came to. But there was more to this divine mystery. Would the 1. 4- year teen ever find reason to smile about this? Soon, a man pulls over. Would he be. friend or foe? On the night. she decided to end it all, something very shocking happened. So she prays for some. Her faith is rewarded beyond her dreams and. Years later as he was. God came through again. Every year. the gifts were abundant. But with the 2. 00. Two days later, she. With tempers and. God provides a fix no repair manual would. Near certain he'd lose the leg, doctors then braced. Or so she thought — until she fell asleep behind the wheel. Then, suddenly, the. Knowing she had no one to turn. God ingeniously made a way for someone special to come to Morgan. It would. take nothing short of a miracle to get things back to normal. She didn't know how she would find the money to salvage. The countdown was almost to zero - like her prospects - when she. As it became painfully clear. Amanda in God's hands and. Moments after they arrived, a runaway van was. Try as she may to. Beyond this wall is the Niagara Falls waterway — 2. Running short of time and answers, he. God to make things add up. Next step: breathe in faith, breathe out fear. But there's always. God figures in. And his. But regulations forbade her to board her connecting flight. An angel of the skies had other ideas. She stared at. the soda machine and yearned for an icy cold, orange- pineapple drink. She has mere seconds to fend off their advances. She needed assistance, stat! But that wasn't the end of it. But one thing threatened their. Flying almost blind, he sends an SOS heavenward. The. last thing seven- year- old Megan heard him say was to stay put, but she. After what she saw mere moments later, she had a change of mind. And then she and her child found themselves. Interstate. Looking. So loved ones offered. Psalms. Moments later, his heart monitor summons the nurse. Their van was a mangled, shattered. Through the darkness, pain and fear, she reached out to. God. Then along came the hoarseness and a frightening diagnosis. Could such. trusted technology be wrong? Her family had a definite opinion. They climbed up his torso to his head and along. And they would not go away. This time, though, he figured. He petitions God daily for this child he does not know until. So she prayed. God would have a different professional opinion. In the thick of the action, the boy. Feedback loop: More clowns are being sighted across the country as more news organizations have chronicled sightings of clowns. Are there clowns in the Greenville County woods? Children told police they live in an abandoned home near an apartment complex. Hey there Horror Fans! Got a inkling for a scary clown movie? Do creepy clowns freak you out? How about just plain haunting face paint that rubs you the wrong way? Mark your calendars for Wednesday, September 27- October 1. The theme of the convention will be “SCHOOL DAZE”. We are excited to announce that the Convention. More recently, the annual Chapman University Survey of American Fears found that clowns were a cause of significant anxiety for 6. Americans in 2. 01. A 'scary clown' mask for sale with other Halloween costumes and props at Total Party, a party store in Arlington, Va. Saul Loeb / AFP - Getty Images It's not as if the fears are anything new — think of Batman's nemesis the Joker and serial killer John Wayne Gacy, the . The BBC reported Monday that as many as 5. Real- life clowns are super pissed that It is being remade. Club. Last week, the world collectively lost their shit over the first trailer to the remake of Stephen King’s It, due for release September 8. It scored a record 1. Well, almost everyone. An article in Mel Magazinetalks to the one group decidedly not stoked to see an evil clown once again crawl out of a sewer to terrorize New England kids: actual clowns. Now, while your response to this news might be, “Good, fuck clowns,” reading the actual piece is sort of heartbreaking, in that the clowns interviewed know how little clowns are liked these days and seem genuinely crestfallen on the future of clowning. And the people who do it and scrape together a living have to grapple with the fact that it’s cool and hip not to like clowns,” one tells Mel before going on to decry the Kardashians and Minecraft. That is one truly sad clown. The full article goes into detail on the history of terrifying clowns in the media, including last year’s sudden uptick in purported real- life scary clown sightings, which the real- life clowns interviewed look at as a scare they had sort of just gotten over. But with membership in clowning trade organizations plummeting, they see a bleak future for their craft. All of which is sort of depressing, unless you are one of the many people who hate clowns, in which case the article is rife with reasons to remain afraid. There is one in the article named “Humpy Pumpy,” for example. A little “disruption” may be just what the clowning industry needs. Where Myth Meets Hysteria: Understanding The Creepy Clown Panic Of 2016. Directed by Stephen Chiodo. With Grant Cramer, Suzanne Snyder, John Allen Nelson, John Vernon. Aliens who look like clowns come from outer space and terrorize a small. A clown car is a prop in a circus clown routine. A common example of such a routine involves an implausibly large number of clowns emerging from a very small car, to. What started as a series of sometimes disturbing and sometimes criminal "creepy clown" sightings in the Southeast region of the United States, with men dressed up as. |