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About Kokott, Wood & Associates
Focused on the Convenience Store and Petroleum sectors, Kokott, Wood & Associates, Inc. (KWA) provides Executive Recruiting services to the retailers, distributors, manufacturers, wholesalers, IT and OEM companies interacting with these industries. Utilizing an extensive Candidate database, we have the privilege of representing many outstanding Candidates, experienced within the critical disciplines necessary to manage a successful business venture. Depending upon the need, we actively place mid-management to C-level executives, both with industry experience and/or with related channel experience.
Executive Recruitment is not just about finding a job for a Candidate or about providing Candidates to our Clients - it is about finding that exceptional match for both the Client and the Candidate. KWA's proprietary search process is structured around a clear understanding of the Client's needs (both immediate and long term), their management structure and philosophy, and most importantly the Client's Company Culture. Understanding the Candidate's qualifications and needs is paramount in this process as well and our staff conducts extensive research into each Candidate's situation. This effectively eliminates any roadblocks to a successful placement. Qualifications are certainly important, but the Candidate's needs must also be strongly considered. If the match is not perfect, both the Candidate and the Client lose in the long term. Continuous and timely communication with all parties involved keeps everyone in the loop and updated throughout the entire process and ensuing relationship.
KWA has been founded on a concept of QUALITY. We will not be the fastest. We won't submit volumes of Candidates. We are committed to presenting FULLY QUALIFIED Candidates in a timely manner.
The Principals Leading Our Executive Search Team:
Klaus Kokott – Partner
With an exceptional domestic and international petroleum marketing and convenience store industry career of nearly 25 years, Klaus provides deep insight into the aptitudes, attitudes, skill sets, experience and track record candidates must display to be successful in our clients' organizations. Having held positions ranging from accounting staff at a major US oil firm to VP of Sales and Marketing with a recognized leader in the C-store industry, he has either managed or worked alongside professionals in nearly every department and utilizes his functional understanding to ensure candidates grasp the importance and interdependencies of their roles.
His industry executive roles provide recruiting expertise in retail (operations and marketing), fuel sales (commercial, dealer, contract supply), project management, strategic plan development and implementation, succession planning, market expansion, and logistics.His long-term relationship approach, business orientation and retention-focused mindset provide key value to our clients. He provides social intelligence, behavioral profiling, occupational interests and related assessments to ensure a strong position match.
Richard "Dick" Wood – Partner
Dick utilizes his extensive professional background to strategically grow the organization and to help client companies successfully achieve their business objectives. He brings a keen capacity for leadership, comprehensive business acumen, exceptional attention to detail, and outstanding skills in identifying operations, marketing and technical talent. Dick's career began in the supermarket industry as a box-boy in the mid 60's working for an independent grocer. He earned his Bachelor's Degree from the University of Southern California in Food Distribution and Marketing. Soon after, he began his Convenience Store career in 1972 and progressed to the level of Senior Vice President of Marketing for a 1,125 store chain in the Southeast. In 1987, he started his own highly successful consulting firm, working both domestically and internationally providing operations, marketing, and supply chain expertise. He entered the Executive Recruiting profession in 2004 and has developed a very loyal business following based upon providing Clients and Candidates with the highest level of honesty and ethical service.
John Krapf - Executive Search Consultant
John brings 35 years of experience in the petroleum and convenience store industries to Kokott, Wood & Associates LLC. His in-depth experience in retail operations management, as well as national category management in both the franchise and company operated aspects of the business, makes him an expert at identifying successful candidates.
With long and progressive tenures at two companies, John has an excellent ability to highlight the key professional and personality traits needed to identify candidates with the best potential for long-term and successful relationships.
Having been a successful hiring manager for many years, John's experience provides clients with the knowledge that only candidates demonstrating the best fit for the company and opportunity will be presented.
Diane Gunlogson - Executive Search Consultant
Diane has more than 25 years experience in Retail Management, primarily convenience store industry. As a previous owner, she is a recognized expert in her ability to increase sales and profits by successfully identifying and recruiting top quality management personnel. She understands what a company needs in its employees to increase business, and what skills candidates must demonstrate in order to be successful in the industry. Let Diane's expertise in our channel help your company address its long term recruiting needs.
Tom Terrono - Executive Search Consultant
Tom's successful career spans over 40 years of experience in the petroleum marketing and convenience store industry, working closely with professionals ranging from entry level field personnel to the C-suite of a major oil company. A highly successful entrepreneur, his focus on teamwork and integrity created one of the most successful multi-unit c-store enterprises in the Kansas City area. Having served on several local, state, and national committees, Tom kept his finger on the pulse of our ever-evolving industry.
For 10 years, Tom served as managing partner of a training solutions company devoted to improving retailer profitability. His expertise, bottom line focus and pragmatic approach to excellence proved instrumental in helping single-unit and chain operations both in the US and overseas achieve operational and financial success. In short, Tom understands first-hand the experiences and skill sets needed to help today's clients achieve their desired success and gain a competitive advantage.
Tom's fundamental knowledge of the industry and unique ownership perspective, as well as his personally vested interest in other's success, enable him to identify the high caliber of talent required to successfully manage our client's operations, training and marketing departments.
Kokott, Wood & Associates, Inc. is dedicated to providing innovative, comprehensive and impactful solutions to the Petroleum and Convenience Store industries.
Industry Expertise
Our executive industry experience provides the knowledge base and networking strength to successfully meet the needs of clients within and supporting the convenience store and petroleum sectors.
Convenience Store and Petroleum Marketing
Retail Operations | Category Management | Marketing | Merchandising | Human Resources | Accounting & Finance | Loss Prevention & Safety | Information Technology | Senior Executive | Project Management | Real Estate | Food Service
Petroleum Wholesale and Distribution
Commercial & Industrial Fuel Sales | Dealer & Contract Sales | Fleet Card | Lubricant Sales | Transportation and Logistics | Terminal Operations | Fuel Trading & Risk Management | Communications & PR | Food Service
CPG / Grocery Suppliers, Distributors and Brokers
Sales | Sales Management | Purchasing | Supply Chain | Warehouse | Distribution
Car Wash | Dispenser | Building & Construction | Design & Engineering | Sales
IT and Service Providers
Software Engineers | IT Management | POS | Payment Processing | Project Management & Implementation | Database


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This wooden door set in a heavy stone wall is from Springvale Homested, the oldest outback homestead in the Northern Territory.
The door leads off the back verandah of this charming old historic building.
Taken on Fuji S2 Pro
Wow, its great. such history captured so well.
So simple but so appealing!
Harmony of colour and light.
Beautiful lighting and colours
Wow stunning image!
Thanks for looking and commenting Angie
– Joe Mortelliti
Fabulous shot Joe!
Thanks for all the comments on so many images Di,much appreciated:-)
– Joe Mortelliti

subset: commoncrawl


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Key Lime Blossoms dropping
Valdo(9b)March 24, 2011
I have had a key lime for about 8 years in a pot, bore 1 fruit in its history, only blossoms. I planted it two years ago and it has thrived (with a total freeze last year it came back with a vengeance).
This spring it has alot of blossoms, but I notice that the stem connected the blossom to the branch is very very thin, thus many of them just fall, if not all.
Thus, Blossoms fall off before bud can even remotely turn to fruit- advice???


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Alcona County Prosecutor Thomas Weichel vows to make sure rural perspectives are considered in his new position as a member of the Michigan Committee on Juvenile Justice.
Voters support sending serious juvenile offenders to corrections facilities, but prefer less-costly alternatives for lower-level offenders, according to a nationwide poll by a bipartisan team of pollsters.
Governor Rick Snyder has named four new members to the Michigan Committee on Juvenile Justice.
U.S. Attorney General Eric Holder and Education Secretary Arnie Duncan have released the "Correctional Education Guidance Package" to inform the efforts of states, school districts, and juvenile justice facilities that serve system-involved youth.
The Michigan Committee on Juvenile Justice (MCJJ) is making the reduction of school truancy and elimination of the school to prison pipeline one of its top priorities for the next three years. Students who miss excessive amounts of class are far more likely to drop out of school, enter the juvenile justice system, and eventually, end up in prison, research shows. Unnecessary suspensions and expulsions also contribute to the problem.
The Families and Schools Together (FAST) – Middle School FAST model is being implemented to reduce compulsive behaviors in youth such as substance abuse and violence, and to improve positive scholastic behaviors, while building resiliency factors against risks and stressors that contribute to violence and delinquency.
The City of Albion is participating in a delinquency prevention planning process intended to reduce risk and enhance protective factors as a way to prevent youth from entering the juvenile justice system.
This school truancy program focuses on children and youth between the ages of 6 to 15 who have been reported by the school as having significant non-attendance patterns that are considered truant according to school policy.
Melinda Fandel
Juvenile Justice Specialist
Juvenile Justice Programs, Department of Human Services
Phone: 517.373.8934


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Portland State University STUDENT HEALTH INSURANCE Brokered by: Wells Fargo of California Insurance Services, Inc. Student Insurance Division 2009-10 International Underwritten by: Aetna Life Insurance Company Policy # 474893 CENTER FOR STUDENT HEALTH AND This brochure summarizes how the Student Health Insurance Plan (hereafter, "the COUNSELING (SHAC) Plan") works, what it covers, and who to contact when needing medical services. After you have read about the Plan, please keep these important facts in mind: We are a primary health care clinic offering: Routine & Immediate Care You will receive a Medical ID card 6-8 weeks from beginning of the first term Well Women's Exams you are eligible. As long as you continue to meet eligibility requirements STI and HIV Screenings (see p. 3), your card will be valid all school year. You will not receive a new card each term. Please keep your insurance card with you at all times Mental Health and Psychiatry Services and show it to the provider when you seek medical treatment. The provider Reduced Cost Dental Care will confirm your eligibility prior to receiving medical services. (You do Dispensary Services not need your medical ID card when using SHAC services). Wellness Programs When at all possible, go to the Center for Student Health and Counseling, Eligible students can see a physician, nurse, or mental health clinician at no charge. located at 1880 SW 6th Ave. Familiarize yourself with the hours of operation The Basic health insurance included in the mandatory student health fee, will cover and scope of services it offers. Visit www.shac.pdx.edu. most labs and x-rays, however there is no prescription coverage. When unable to go to the Center for Student Health and Counseling, you If a student is prescribed a medication by one of our doctors, and we carry that may choose any other provider of your choice. The University has arranged medication, they can fill the prescription at our dispensary window where we sell for you to access the Aetna Preferred Provider Network. It is to your medications at a reduced cost. Students can pay for prescriptions by having their advantage to utilize a Preferred Provider because savings can be achieved account billed, and submitting a receipt to Aetna Pharmacy Management for reim- from the Negotiated Charges these providers have agreed to accept as bursement only if they have the Mandatory Supplemental Plan. payment for their services. To find a Preferred Provider, you can use Aetna's Our professional staff consists of General and Family Medicine doctors, Psychiatrists, online DocFind® service located on the Portland State University webpage a Nurse Practitioner, Registered Nurses, Medical Assistants, Dentists, Hygienists, at www.aetnastudenthealth.com. Click on "Students: Find Your School" an Oral Surgeon, a Registered Dietitian, Licensed Clinical Social Workers, Licensed and enter your school name. Psychologists; in addition SHAC trains MD, Social Work, and Psychology residents When required, please complete all forms accurately and respond promptly and interns. to requests for information from Aetna Student Health in order to not delay SHAC HOURS: medical payments. It is the student's responsibility to keep the school Hours subject to change. Please check www.shac.pdx.edu for updated hours. updated with contact information so as not to delay claim processing. Mon – Thurs 8am – 6pm; Fri 8am – 5pm Summer and session breaks: Mon – Fri 8am – 5pm WHEN COVERAGE BEGINS SHAC ADDRESS: Insurance under the Policy will become effective at 12:01 a.m. on the later of: 1880 SW Sixth Avenue, Suite 200 Portland , OR 97201 1. The Policy effective date; (See term dates on page 3) PHONE: 503-725-2800 2. The beginning date of the term for which premium has been paid; WEBSITE: www.shac.pdx.edu IMPORTANT NOTICE - Premiums will not be pro-rated if the Insured enrolls past CLOSEST HOSPITALS AND URGENT CARES IN CASE OF MEDICAL EMERGENCY: the first date of coverage for which he or she is applying. Final decisions regarding Your insurance plan has what are called "Participating or Preferred Providers". "Provider" coverage effective dates are made by Aetna Student Health. means any person or facility that provides medical care such as; doctors, urgent care or immediate care centers, laboratories, hospitals, etc. You can choose any provider, however, Please see term deadline dates on page 3. Coverage will begin on the start date for choosing a "Participating Provider" means that costs may be significantly less to you. To the period of coverage for which you are enrolled. No policy shall ever start prior to verify if a provider participates in your AETNA insurance group, you can use AETNA's online the coverage period start date. DocFind® service located at www.aetnastudenthealth.com. Click on "Find Your School" and enter "Portland State University". WHEN COVERAGE ENDS OHSU: (503) 494-8311 Insurance of all Insured Persons terminates at 12:01 a.m. on the earlier of: 3181 SW Sam Jackson Park Road, Portland, OR 97239 Date the policy terminates for all Insured Persons; or Legacy Good Samaritan Hospital: (503) 413-7711 End of the period of coverage for which premium has been paid; or 1015 NW 22nd Avenue, Portland, OR 97210 Date the Insured Person ceases to be eligible for the insurance; (i.e. if you drop below 5 credits before the Add/Drop deadline); or Providence Medical Group: (503) 215-1111 Date the Insured Person enters military service. 4805 NE Glisan, Portland, OR 97213 Coverage for the Basic Plan will automatically renew for Fall, Winter, Spring The Portland Clinic: (503) 221-0161 and Summer, as long as you are taking 5 or more credits per term. 800 SW 13th Avenue, Portland, OR 97205 Zoom Care, Urgent Care: (503) 684-8252 SW, NW and SE Locations •• Portland State University MANDATORY SUPPLEMENTAL PLAN attend classes for the first 30 consecutive days following their effective date for the term purchased and/or pursuant to their visa requirements for the period Term Coverage Dates for which coverage is purchased, except in the case of medical withdrawal or FALL WINTER SPRING SUMMER during school authorized breaks. The company maintains its right to investigate 9/20/09 1/4/10 3/29/10 6/21/10 student status and attendance records to verity that the Policy eligibility require- - 1/4/10 - 3/29/10 - 6/21/10 - 9/20/10 ments have been met. Term Deadline Dates for Submitting: Waivers (Accompanied by Proof of Insurance), BASIC PLAN Enrollment Requests for; Scholars, OPT, Dependents, Alternate Vacation Term, Excused Portland State University provides a health insurance program for all international Medical Absence, Change of Level Term Break students taking five (5) PSU credit hours or more during the Fall, Winter, Spring and Summer terms. The Basic Plan has a limited medical maximum of $7,500 per 10/12/09 1/18/10 4/12/10 7/5/10 condition per school year. It is automatically included in the Health Fee on the Cost Per Term Cost SP-SU Combined Fee student's tuition bill, and is designed to assist in reducing, but not eliminating some Fall & Winter Assessed Each Spring of the medical expense of most minor sicknesses and injuries. Student $ 183 Student $ 366 If you drop below 5 credits during Fall, Winter, Spring or Summer terms, you will Spouse $ 249 Spouse $ 498 lose access to the Center for Student Health and Counseling and may lose your Each Child $ 194 Each Child $ 388 Basic insurance. Remember, if you are enrolled in the Supplemental Plan, you are Basic & Supplemental Insurance are both part of the International Plan which means still required to pay for Basic Insurance, but will just lose your access to the Center all students & scholars enrolled in the Plan are required to purchase both Basic & for Student Health and Counseling. Students are responsible for verifying their Supplemental. credits and insurance eligibility when they add/drop classes each term. Basic Insurance ($63), is included in the $177 Health Service Tuition Fee. Note: Most Self-Support or course credits received from TV, Internet, Video or Satellite are not eligible for this insurance. To verify the types of credits you are taking, you The Health Service Fee is for SHAC, the Center for Student Health & Counseling may visit: http://www.pdx.edu/bao/tuition-fees-self-support-courses. located on campus, & is a mandatory tuition fee for all students taking 5 or more PSU credit hours during a term including students taking 5 or more credits in the Intensive English Language Program (IELP). If you are taking 5 or more regular PSU credits, you MANDATORY SUPPLEMENTAL PLAN will not see a separate fee; if you are taking 5 or more IELP credits, a separate fee will Also offered is a Mandatory Supplemental Plan (major medical) that provides addi- appear on your account.. (Please note that students taking fewer than 5 credit hours tional coverage of $95,000 per condition per year once the Basic benefits ($7,500 are not eligible for Health Services on campus.) per condition per year), have been paid. Students taking fewer than 5 PSU credit hours enrolled in the Supplemental Plan are still required to pay the Basic Insurance Fee ($63), but, will see the Basic Insurance WITHDRAWAL FROM SCHOOL Fee as a separate item on your bill. If you leave Portland State University for reason of a covered accident or sickness, This applies for Scholars, & for Students on OPT, Vacation Term, Term Break Between you may be eligible for continued coverage under this Plan for only the first term Change of Level, Excused Medical Leave, etc. immediately following your leave, provided you were enrolled in this Plan for the term previous to your leave. Enrollment must be initiated by the student and is not Rates include premium payable to Aetna Life Insurance Company as well as automatic. All applicable enrollment deadline dates apply. Contact your advisor at the administrative fees payable to other third parties. Rates also include premiums Office of International Affairs in East Hall. and fees for Accidental Death and Dismemberment, Medical Evacuation and Repatriation and Worldwide Emergency Travel Assistance benefits/services provided through OnCall International and its contracted underwriting PRE-EXISTING CONDITION companies. Basic Plan Pre-Existing Condition limitation: Expenses incurred by a Covered Person as a result of a Pre-Existing Condition will not be considered Covered Medical HEALTH INSURANCE REQUIREMENT & Expenses unless the Covered Person has been covered under the Basic Policy or ELIGIBILITY other creditable coverage for six consecutive months. This limitation is subject to all other policy limitations; including benefits listed under the Outpatient section. See Oregon law requires that all international students and scholars at Portland the definition of Pre-Existing Conditions in the definition section of this Brochure. State University in F-1 & J-1 visa status and each dependent that accompanies Supplemental Plan Pre-Existing Condition limitation: Expenses incurred by a you to the United States in F-2 & J-2 visa status have adequate medical insur- Covered Person as a result of a Pre-Existing Condition will not be considered Covered ance coverage. It is the policy of Portland State University that these students Medical Expenses unless (a) no charges are incurred or treatment rendered for the purchase health insurance coverage through the University, unless they meet condition for a period of six months while covered under the Supplemental Policy; the eligibility requirements for a waiver. This means that you and your depen- or (b) the covered person has been covered under the Supplemental Policy for six consecutive months; or (c) the covered person has been covered under a policy dents are required to have nonstop, year-round insurance coverage including considered creditable coverage, other than the Basic Policy, immediately prior to vacation terms, whether you travel home or not. This also includes, thesis and becoming a covered person under the Supplemental Policy. dissertation research periods, internship training periods, etc. as long as you are on a valid PSU I-20 & DS-2019. Coverage is available, but not required, for students engaged in Optional Practical Training. All students must actively Portland State University •• CONTINUOUSLY INSURED Serious impairment to bodily function; or Persons who have remained continuously insured under the the Policy (Basic Serious dysfunction of a body part or organ; or and/or Supplemental Plan), and prior student health insurance policies issued to In the case of a pregnant woman, serious jeopardy to the health of the school, will be covered for any Pre-Existing Condition, which manifests itself the fetus. while continuously insured. Except for expenses payable under prior policies in the It does include an Accident or serious illness such as heart attack; stroke; poisoning; loss of absence of the Policy. Previously Covered Persons must re-enroll for coverage by consciousness or respiration; and convulsions. It does not include elective care; routine care; the specified enrollment deadline dates in order to avoid a break in coverage for care for non-emergency illness; or care required as a result of circumstances which would have conditions which existed in prior policy years. Once a break in continuous coverage been foreseen prior to the Covered Person's departure from the University/College area. occurs, the Pre-Existing Conditions Limitation will apply. Once a break in continuous Generic Prescription Drug or Medicine: A Prescription Drug which is not protected by coverage of 63 days or greater occurs, the Pre-Existing Conditions Limitation will trademark registration; but is produced and sold under the chemical formulation name. apply. The student is permitted to have a one vacation term or semester break per Injury: Bodily injury caused by an accident. This includes related conditions and recurrent policy year without restarting the pre-existing condition period. symptoms of such injury. Medically Necessary: A service or supply that is: necessary; and appropriate; for the PREFERRED PROVIDER NETWORK diagnosis or treatment of a Sickness; or Injury; based on generally accepted current Aetna Student Health has arranged for you to access the Aetna Preferred medical practice. Provider Network. It is to your advantage to utilize a Preferred Provider because In order for a treatment; service; or supply to be considered Medically Necessary; the savings can be achieved from the Negotiated Charges these providers have service or supply must: agreed to accept as payment for their services. Students are responsible for - Be care or treatment which is likely to produce as significant positive outcome as any informing their Physicians of potential out-of-pocket expenses for a referral to alternative service or supply; both as to the Sickness or Injury involved and the person's both a Preferred Provider and a Non-Preferred Provider. Preferred Providers are overall health condition. It must be no more likely to produce a negative outcome than independent contractors and are neither employees nor agents of Portland State any alternative service or supply; both as to the Sickness or Injury involved and the University, Aetna Student Health, or Aetna Life Insurance Company. To find a person's overall health condition preferred provider, you can use Aetna's online DocFind® service located at www. - Be a diagnostic procedure which is indicated by the health status of the person. It must aetnastudenthealth.com. Click on "Find Your School" and enter your school be as likely to result in information that could affect the course of treatment as any name. You can use DocFind® to find out whether a specific provider belongs to alternative service or supply; both as to the Sickness or Injury involved and the person's Aetna's network or to find preferred providers practicing in your area. overall health condition. It must be no more likely to produce a negative outcome than DEFINITIONS Accident: An occurrence which (a) is unforeseen; (b) is not due to or contributed to by Sickness or disease of any kind; and (c) causes injury. Actual Charge: The actual charge made for a covered service by the provider who furnishes it. Aggregate Maximum: The maximum benefit that will be paid under the Policy for all Covered Medical Expenses incurred by a Covered Person that accumulate from one Policy Year to the next. Brand Name Prescription Drug or Medicine: A Prescription Drug which is protected by trademark registration. Coinsurance: The percentage of Covered Medical Expenses payable by Aetna under this Accident and Sickness Insurance Plan. Co-pay: The amount that must be paid by the Covered Person at the time services are rendered by a Preferred Provider. Co-pay amounts are the responsibility of the Covered Person. Covered Medical Expenses: Those charges for any treatment; service; or supplies; covered by the Policy which are: (a) not in excess of the Reasonable and Customary charges; or (b) not in excess of the charges that would have been made in the absence of this coverage; and (c) incurred while the Policy is in force as to the Covered Person; except with respect to any Expenses payable under the Extension of Benefit Provisions. Covered Person: A covered student or dependent whose coverage is in effect under the Policy. See the Eligibility sections of this Brochure for additional information. Deductible: A specific amount of Covered Medical Expenses that must be incurred by; and paid for; by the Covered Person before benefits are payable under the Plan. Deductible amounts are the responsibility of the Covered Person. Emergency Medical Condition: This means a recent and severe medical condition; including; but not limited to; severe pain, which would lead a prudent layperson; possessing an average knowledge of medicine and health; to believe that his or her condition; Sickness; or Injury; is of such a nature that failure to get immediate medical care could result in: Placing the person's health in serious jeopardy; or •• Portland State University DEFINITIONS (CONTINUED) the contract remains in effect; and when the pharmacy dispenses a prescription drug under the terms of its contract with Aetna. any alternative service or supply; both as to the Sickness or Injury involved and the person's overall health condition; and Prescription: An order of a prescriber for a prescription drug. If it is an oral order; it must be promptly put in writing by the pharmacy. - As to diagnosis; care; and treatment; be no more costly (taking into account all health expenses incurred in connection with the treatment; service; or supply;) than any Reasonable Charge: Only that part of a charge which is reasonable is covered. The alternative service or supply to meet the above tests. Reasonable Charge for a service or supply is the lowest of: In determining if a service or supply is appropriate under the circumstances; Aetna will The provider's usual charge for furnishing it; and take into consideration: The charge Aetna determines to be appropriate; based on factors such as the cost of providing the same or a similar service or supply and the manner in Information relating to the affected person's health status; which charges for the service or supply are made; and Reports in peer reviewed medical literature; The charge Aetna determines to be the prevailing charge level made for it in Reports and guidelines published by nationally recognized healthcare the geographic area where it is furnished. organizations that include supporting scientific data; In some circumstances; Aetna may have an agreement; either directly or indirectly through Generally recognized professional standards of safety and effectiveness in the a third party; with a provider which sets the rate that Aetna will pay for a service or supply. United States for diagnosis; care; or treatment; In these instances; in spite of the methodology described above; the Reasonable Charge is The opinion of health professionals in the generally recognized health the rate established in such agreement. specialty involved; and In determining the Reasonable Charge for a service or supply that is: Any other relevant information brought to Aetna's attention. Unusual; or In no event will the following services or supplies be considered to be Medically Necessary: Not often provided in the area; or Those that do not require the technical skills of a medical; a mental health; Provided by only a small number of providers in the area. or a dental professional; or Aetna may take into account factors, such as: Those furnished mainly for: the personal comfort; or convenience; of the The complexity; person; any person who cares for him or her; or any person who is part of his The degree of skill needed; or her family; any healthcare provider; or healthcare facility; or The type of specialty of the provider; Those furnished solely because the person is an inpatient on any day on which The range of services or supplies provided by a facility; and the person's Sickness or Injury could safely and adequately be diagnosed or The prevailing charge in other areas. treated while not confined; or Sickness: A disease or illness including related conditions and recurrent symptoms of the Those furnished solely because of the setting, if the service or supply could Sickness. Sickness also includes pregnancy and complications of pregnancy. safely and adequately be furnished; in a Physician's or a dentist's office; or PRE-CERTIFICATION PROGRAM other less costly setting. Negotiated Charge: The maximum charge a Preferred Care Provider has agreed to make Pre-Admission Certification is designed to help you receive quality cost effective as to any service or supply for the purpose of the benefits under this Plan. medical care. All requests for certification must be obtained by contacting Aetna Student Health. The following inpatient services require pre-certification: Non-Preferred Care: A healthcare service or supply furnished by a healthcare provider that is not a Preferred Care Provider; if, as determined by Aetna; (a) the service or supply All inpatient admissions; including length of stay; to a hospital; convalescent could have been provided by a Preferred Care Provider; and (b) the provider is of a type facility; skilled nursing facility; a facility established primarily for the treatment that falls into one or more of the categories of providers listed in the Directory. of substance abuse; or a residential treatment facility. Non-Preferred Care Provider (or Non-Preferred Provider): A healthcare provider that All inpatient maternity care; after the initial 48/96 hours. has not contracted to furnish services or supplies at a Negotiated Charge. Pre-Certification does not guarantee the payment of benefits for your inpatient admission. Each claim is subject to medical policy review; in Pharmacy: An establishment where prescription drugs are legally dispensed. accordance with the exclusions and limitations contained in the Policy; as well Physician: A legally qualified physician licensed by the state in which he or she practices; as a review of eligibility; adherence to notification guidelines; and benefit and any other practitioner that must by law be recognized as a doctor legally qualified coverage under the Student Health Insurance Plan. to render treatment. If you do not secure pre-certification for non emergency inpatient admissions; Pre-Existing Condition: Any injury, sickness or condition for which a person received or provide notification for emergency admissions; your Covered Medical treatment or services, or took prescribed drugs or medicines within six months of the Expenses will be subject to a $200 per admission Deductible. Covered Person's effective date of insurance. Notification of Emergency Admissions: Preferred Care: Care provided by a Preferred Care Provider; or any healthcare provider for The patient, patient's representative; Physician or hospital must telephone within an emergency condition when travel to a Preferred Care Provider is not feasible. one (1) business day following inpatient (or partial hospitalization) admission. Preferred Care Provider (or Preferred Provider): A healthcare provider that has contracted to furnish services or supplies for a Negotiated Charge; but only if the provider is, Aetna Student Health with Aetna's consent; included in the Directory as a Preferred Care Provider for the service or Attention: Managed Care Dept. supply involved; and the class of which the Covered Person is a member. P.O. Box 15708 Preferred Pharmacy: A pharmacy; including a mail order Pharmacy; which is party to a Boston, MA 02215-0014 contract with Aetna to dispense drugs to persons covered under the Policy; but only while (877) 850-6062 (toll-free) Portland State University •• SCHEDULE OF MEDICAL EXPENSE BENEFITS In addition to the Plan's Aggregate Maximum, the Policy may contain benefit level maximums. Please review this Summary of Benefits section for any additional benefit level maximums. If you or your physician have any questions regarding benefits, please contact Aetna Student Health at (877) 850-6062. Please refer to the Exclusions and Definitions listed in this Brochure for more detailed information on covered benefits. The exact provisions governing this insurance are contained in the Master Policy issued to the University and may be reviewed through the Student Insurance Coordinator during business hours. Basic Plan Policy Year Maximum $7,00 per Covered Accident or Illness. (Since not all benefits under the Basic Plan are covered at 100%, you MAY be responsible for some out-of-pocket costs.) Mandatory Supplemental Plan Policy Year Maximum $9,000 per Covered Accident or Illness If Supplemental is purchased, the $95,000 is in addition to the Basic Plan $7,500 plan maximum for a total of $102,500 per Covered Accident or Illness per Policy Year. Benefits will be payable under the Supplemental Plan after benefits have been exhausted under the Basic Plan. Basic Plan Policy Year Deductible (in addition to applicable Copays and/or None Per Visit or Per Admission Deductibles) Supplemental Plan Policy Year Deductible (in addition to applicable Copays $100 per individual and/or Per Visit or Per Admission Deductibles) Supplemental Plan Annual Out-Of-Pocket Maximum Preferred Care: $2,500 per Individual; Non-Preferred Care: $2,500 per Individual If student carries any other type of insurance that would otherwise make benefit payments, the first $500 under the Basic Plan will be paid as primary, everything thereafter will be paid as secondary. AFTER SUPPLEMENTAL DEDUCTIBLE, ELIGIBLE EXPENSES ARE COVERED AT: BASIC PLAN SUPPLEMENTAL PLAN INPATIENT HOSPITAL EXPENSES PREFERRED CARE NON-PREFERRED PREFERRED CARE NON-PREFERRED CARE CARE Room and Board Expense, daily semi-private room rate; general nursing care 60% of Reasonable provided by Hospital. 75% of Negotiated Charge after $250 100% of Negotiated 80% of Reasonable Charge Per Admission Charge Charge Deductible Intensive Care Room and Board Expenses, benefits not to exceed 2.5 times 60% of Reasonable the semi-private room rate. 75% of Negotiated Charge after $250 100% of Negotiated 80% of Reasonable Charge Per Admission Charge Charge Deductible Miscellaneous Hospital Expense, includes, amongst others, expenses incurred 60% of Reasonable during a hospital confinement for: anesthesia and operating room; laboratory 75% of Negotiated Charge after $250 100% of Negotiated 80% of Reasonable tests and x-rays; oxygen tent; and drugs; medicines; and dressings. Charge Per Admission Charge Charge Deductible Physician Hospital Visit Expense, benefits limited to one visit per day. 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge after $20 Charge after $40 Copay per visit Deductible per visit Charge Charge Licensed Nurse Expense 75% of Negotiated 60% of Reasonable Charge Charge after $250 100% of Negotiated 80% of Reasonable Per Admission Charge Charge Deductible SURGICAL EXPENSES (INPATIENT AND OUTPATIENT) Surgical Expense, covered Medical Expenses for charges submitted by a physician. 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge Charge Charge Charge Anesthetist & Assistant Surgeon Expense 20% of Surgical 20% of Surgical 100% of Negotiated 80% of Reasonable Allowance Allowance Charge Charge OUTPATIENT EXPENSES Physician's Office Visit Expenses, limited to one visit per day. Copay waived 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable when services performed at SHAC, and payable at 100% of Actual Charge. Charge after $20 Charge after $25 Copay per visit Deductible per visit Charge Charge Emergency Room Visits, use of the emergency room and supplies. Copay/ 100% of Negotiated 100% of Reasonable 100% of Negotiated 80% of Reasonable Per Visit Deductible waived if admitted. Charge after $150 Charge after $150 Copay per visit Deductible per visit Charge Charge •• Portland State University Continued on Next Page AFTER SUPPLEMENTAL DEDUCTIBLE, ELIGIBLE EXPENSES ARE COVERED AT: BASIC PLAN SUPPLEMENTAL PLAN OUTPATIENT EXPENSES (CONTINUED) NON-PREFERRED NON-PREFERRED PREFERRED CARE PREFERRED CARE CARE CARE Ambulatory Surgical Expense 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge Charge Charge Charge Chemotherapy & Radiation Therapy Expense, including anti-nausea drugs 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable used in conjunction with chemotherapy. Charge Charge Charge Charge Hospital Outpatient Department or Walk-In Visit Expense 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge Charge Charge Charge MENTAL HEALTH AND SUBSTANCE ABUSE EXPENSES Inpatient Mental Health and Substance Abuse Expense, include charges made for treatment received during partial hospitalization in a hospital or 100% of Negotiated 60% of Reasonable treatment facility. Prior review and approval must be obtained from Aetna 100% of Negotiated 80% of Reasonable Charge after $20 Charge after $40 Student Health. When approved, benefits will be payable in place of an Charge Charge Copay per visit Deductible per visit inpatient admission, whereby 2 days of partial hospitalization may be exchanged for 1 day of full hospitalization. Outpatient Mental Health Expense, Copay waived when services performed 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable at SHAC, and payable at 100% of Actual Charge. Charge after $20 Charge after $40 Copay per visit Deductible per visit Charge Charge Outpatient Substance Abuse Expense 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge after $20 Charge after $40 Copay per visit Deductible per visit Charge Charge ADDITIONAL EXPENSES Pap Smear Screening Expense, annual screening for women 18 and 100% of Negotiated 60% of Reasonable older, and anytime upon referral from a woman's health care provider. 100% of Negotiated 80% of Reasonable Charge after $20 Charge after $40 Copay waived when services performed at SHAC, and payable at 100% of Charge Charge Copay per visit Deductible per visit Actual Charge. Mammogram Expense, Covered Medical Expenses include: Mammograms for the purpose of diagnosis in symptomatic or high-risk women at any time upon 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable referral of the woman's health care provider; and an annual mammogram for Charge after $20 Charge after $40 the purpose of early detection for a woman 40 years of age or older, with or Copay per visit Deductible per visit Charge Charge without referral from the woman's health care provider. Breast Exam Expense, Covered Medical Expenses include breast exams, including a clinical breast exam performed by a health care provider to check for lumps and other changes for the purpose of breast cancer detection and 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable prevention. This expense will be paid annually for women 18 and older, and Charge after $20 Charge after $40 at any time as recommended by woman's health care provider. This benefit Copay per visit Deductible per visit Charge Charge is payable even if the provider performs other preventive services or makes referrals for other exams at the same appointment. Well Newborn Care 100% of Negotiated 80% of Reasonable Not Covered Not Covered Charge Charge Diagnostic X-Ray Expense, Copay waived when services performed at SHAC , 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable and payable at 100% of Actual Charge Charge after $20 Charge after $40 Copay per visit Deductible per visit Charge Charge Diagnostic Laboratory Expense 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge Charge Charge Charge Physical and Occupational Therapy Expense 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge after $20 Charge after $40 Copay per visit Deductible per visit Charge Charge High Cost Procedure Expense, Covered Procedures in excess of $200, 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable such as, but not limited to outpatient diagnostic C.A.T. scans, Magnetic Resonance Imaging and Laser Treatments Charge Charge Charge Charge Chiropractic and Acupuncture Expense, benefits limited to a combined 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable maximum of 10 visits per Policy Year for Basic Plan; $300 maximum Charge after $20 Charge after $40 combined per Policy Year for Supplemental Plan. Copay per visit Deductible per visit Charge Charge Allergy Testing or Treatment Expense 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge Charge Charge Charge Continued on Next Page Portland State University •7• AFTER SUPPLEMENTAL DEDUCTIBLE, ELIGIBLE EXPENSES ARE COVERED AT: BASIC PLAN SUPPLEMENTAL PLAN ADDITIONAL EXPENSES PREFERRED CARE NON-PREFERRED PREFERRED CARE NON-PREFERRED CARE CARE Testing for Learning Disability/ Attention Deficit Disorder Expense, Copay 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable waived when service performed at SHAC, and payable at 100% of Actual Charge after $20 Charge after $40 Charge. Copay per visit Deductible per visit Charge Charge Consultant or Specialist Physician Expense, when requested/approved by 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable attending Physician. Charge after $20 Charge after $25 Copay per visit Deductible per visit Charge Charge Maternity Expense 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge Charge Charge Charge Elective Abortion Expense, benefits limited to $2,500 per Policy Year 75% of Negotiated 60% of Reasonable Not Covered Not Covered Charge Charge Family Planning Expense, charges by a physician or hospital for a 75% of Negotiated 60% of Reasonable vasectomy or tubal ligation for voluntary sterilization. Covered Medical Not Covered Not Covered Expenses do not include the reversal of a sterilization procedure. Charge Charge Diabetic Supplies, including needles/syringes, test strips, diabetic test agents, glucose tablets, lancets, lancets/lancing devices; and alcohol Covered under Covered under 75% of Negotiated 60% of Reasonable Prescription Drug Prescription Drug swabs; insulin and oral hypoglycemics as well as blood glucose Charge Charge Expense benefit Expense benefit monitors. Outpatient Diabetic Self-Management Education Program Expense 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge after $20 Charge after $40 Charge Charge Copay per visit Deductible per visit Prosthetic Devices Expense 100% of Negotiated 80% of Reasonable Not Covered Not Covered Charge Charge Durable Medical Equipment Expense 100% of Negotiated 80% of Reasonable Not Covered Not Covered Charge Charge Ambulance Expense 75% of Reasonable Charge to a maximum of 80% of Reasonable Charge $750 per trip Dental Expense, benefits limited $100 per tooth for treatment made necessary for injury to sound, natural tooth; maximum of $500 per Policy 75% of Reasonable Charge 80% of Reasonable Charge Year for wisdom teeth removal. Elemental Enteral Formula Expense, limited to home use only 75% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable Charge Charge Charge Charge Hospice Expense, benefits limited to $4,000 maximum per Policy Year. Not Covered Not Covered 100% of Negotiated 80% of Reasonable Charge Charge Home Health Care Expense Not Covered Not Covered 100% of Negotiated 80% of Reasonable Charge Charge Intercollegiate Sports, payable to a maximum of $3,000 per policy year Not Covered Not Covered 100% of Negotiated 80% of Reasonable Charge Charge Routine Colorectal and Prostate Cancer Screening Expense one annual 100% of Negotiated 60% of Reasonable 100% of Negotiated 80% of Reasonable exam or once every 5 years for ages 50+ Charge Charge Charge Charge Prescription Drug Expense, includes diabetic testing supplies; prescription Generic Drugs: Generic Drugs: contraceptives. Benefits limited to $,00 maximum per Policy Year. 100% of Negotiated 100% of Reasonable Medication not covered by this benefit include, but are not limited to: Charge after $15 Charge after $15 drugs whose sole purpose is to promote or stimulate hair growth; appetite Copay per visit Deductible per visit suppressants; smoking deterrents; immunization agents and vaccines; and Preferred Brand Preferred Brand non-self-injectables. Name Drugs: 100% Name Drugs: 100% Please Note: You are required to pay in full at the time of service for all Not Covered Not Covered of Negotiated of Reasonable Charge after $25 Charge after $25 Prescriptions dispensed at a Non-Participating Pharmacy, including SHAC. Copay per visit Deductible per visit Non-Preferred Brand Non-Preferred Brand Name Drugs: 100% Name Drugs: 100% of Negotiated of Reasonable Charge after $40 Charge after $40 Copay per visit Deductible per visit •• Portland State University NON-DUPLICATION OF BENEFITS cept as a fare paying passenger in an aircraft operated by a scheduled airline maintaining regular published schedules on a regularly established route. After the Basic Plan pays $500, benefits under the Basic Plan are reduced if a covered 5. Expense incurred as a result of an injury or sickness due to working for wage student: or profit or for which benefits are payable under any Workers' Compensation a) Is covered by any other group or blanket health care plan; and other such or Occupational Disease Law. coverage makes payment on any expenses; and 6. Expense incurred as a result of an injury sustained or sickness contracted b) Would, as a result, receive Medical Expense or service benefits in excess of while in the service of the Armed Forces of any country. Upon the covered the actual expenses incurred. person entering the Armed Forces of any country; the unearned pro rata In this case, the medical expense benefits the Basic Plan will pay will be reduced by premium will be refunded to the Policyholder. such Excess, and benefits payable under this Basic Plan up to the Annual Maximum Benefits as indicated in the Schedule of Medical Expense Benefits (see page 6). 7. Expense incurred for treatment provided in a governmental hospital unless there is a legal obligation to pay such charges in the absence of insurance. GENERAL PROVISIONS However, this exclusion will not apply where prohibited by law. It does not apply to services rendered at any hospital owned or operated by the state of State Mandated Benefits: These plans will always pay benefits in accordance Oregon or any state approved community mental health and developmental with any applicable Oregon Insurance Law(s). Mandated benefits include: Pros- disabilities program. tate Screening Exam; Prescription Contraceptive Drugs and Devices; Elemental Enteral Formula for home use; and Colorectal Cancer Screening. 8. Expense incurred for elective treatment or elective surgery except as specifi- cally provided elsewhere in this Policy and performed while this Policy is in Reimbursement and Subrogation: effect. When a covered person's injury appears to be someone else's fault, benefits 9. Expense incurred for cosmetic surgery; reconstructive surgery; or other ser- otherwise payable under this Policy for Covered Medical Expenses incurred as vices and supplies which improve; alter; or enhance appearance; whether or a result of that injury will not be paid unless the covered person or his legal not for psychological or emotional reasons; except to the extent needed to: representative agrees: Improve the function of a part of the body that: is not a tooth or struc- (a) to repay Aetna for such benefits to the extent they are for losses for ture that supports the teeth; and is malformed: as a result of a severe which compensation is paid to the covered person by or on behalf of the birth defect; including harelip; webbed fingers; or toes; or person at fault; as direct result of disease; or surgery performed to treat a disease or (b) to allow Aetna a lien on such compensation and to hold such compensa- injury. tion in trust for Aetna; and Repair an injury (including reconstructive surgery for prosthetic device (c) to execute and give to Aetna any instruments needed to secure the for a covered person who has undergone a mastectomy;) which rights under (a) and (b). occurs while the covered person is covered under this Policy. Surgery Further, when Aetna has paid benefits to or on behalf of the injured covered must be performed in the calendar year of the accident which causes person, Aetna will be subrogated to all rights or recovery that the covered per- the injury; or in the next calendar year. son has against the person at fault. These subrogation rights will extend only to 10. Expense incurred as a result of preventive medicines; serums; vaccines. recovery of the amount Aetna has paid. The covered person must execute and deliver any instruments needed and do whatever else is necessary to secure 11. Expense incurred as a result of commission of a felony. those rights to Aetna. 12. Expense incurred after the date insurance terminates for a covered person except as may be specifically provided in the Extension of Benefits Provi- EXCLUSIONS & LIMITATIONS sion. The Plan neither covers nor provides benefits for the following: 13. Expense incurred for any services rendered by a member of the covered 1. Expense incurred for services normally provided without charge by the Poli- person's immediate family or a person who lives in the covered person's cyholder's Health Service; Infirmary or Hospital; or by health care providers home. employed by the Policyholder. 14. Expense incurred by a covered person not a United States Citizen for ser- 2. Expense incurred for eye refractions; vision therapy; radial keratotomy; vices performed within the covered person's home country. eyeglasses; contact lenses (except when required after cataract surgery); 15. Expense incurred for treatment of temporomandibular joint dysfunction and or other vision or hearing aids; or prescriptions or examinations except as associated myofascial pain. required for repair caused by a covered injury. 16. Expense for the contraceptive methods; devices or aids; and charges for or 3. Expense incurred as a result of injury due to participation in a riot. "Participa- related to artificial insemination; in vitro fertilization; or embryo transfer tion in a riot" means taking part in a riot in any way; including inciting the procedures; elective sterilization or its reversal or elective abortion unless riot or conspiring to incite it. It does not include actions taken in self defense; specifically provided for in this Policy. so long as they are not taken against persons who are trying to restore law 17. Expense incurred for which no member of the covered person's immediate and order. family has any legal obligation for payment. 4. Expense incurred as a result of an accident occurring in consequence of riding 18. Expenses incurred for or in connection with: procedures; services; or supplies as a passenger or otherwise in any vehicle or device for aerial navigation; ex- that are; as determined by Aetna; to be experimental or investigational. A Portland State University •9• EXCLUSIONS AND LIMITATIOMS 26. Expense incurred for custodial care; private duty nursing services and sup- (CONTINUED) plies; provided by a sanitarium; or rest cures. Custodial care means services and supplies furnished to a person; mainly to help him or her in the activities drug; a device; a procedure; or treatment will be determined to be experi- of daily life. This includes room and board and other institutional care. The mental or investigational if: person does not have to be disabled. Such services and supplies are custodial There are insufficient outcomes data available from controlled clinical care without regard to: trials published in the peer reviewed literature; to substantiate its by whom they are prescribed; or safety and effectiveness; for the disease or injury involved; or by whom they are recommended; or If required by the FDA; approval has not been granted for marketing; or by whom or by which they are performed. A recognized national medical or dental society or regulatory agency 27. Expense incurred when the person or individual is acting beyond the scope of has determined; in writing; that it is experimental; investigational; or his/her/its legal authority. for research purposes; or 28. Expense incurred for hearing aids; the fitting; or prescription of hearing aids. The written protocol or protocols used by the treating facility; or the 29. Expense for telephone consultations; charges for failure to keep a scheduled protocol or protocols of any other facility studying substantially the visit; or charges for completion of a claim form. same drug; device; procedure; or treatment; or the written informed 30. Expense for the cost of supplies used in the performance of any occupational consent used by the treating facility; or by another facility studying the therapy. same drug; device; procedure; or treatment; states that it is experimen- 31. Expense for personal hygiene and convenience items; such as air condition- tal; investigational; or for research purposes. ers; humidifiers; hot tubs; whirlpools; or physical exercise equipment; even if However, this exclusion will not apply with respect to services or supplies such items are prescribed by a physician. (other than drugs) received in connection with a disease; if Aetna determines 32. Expense for services or supplies provided for the treatment of obesity and/or that: weight control. The disease can be expected to cause death within one year; in the 33. Expense for incidental surgeries; and standby charges of a physician. absence of effective treatment; and The care or treatment is effective 34. Expense for treatment and supplies for programs involving cessation of to- for that disease; or shows promise of being effective for that disease; bacco use. as demonstrated by scientific data. In making this determination; Aetna will take into account the results of a review by a panel of inde- 35. Expense incurred for injury resulting from the play or practice of intercolle- pendent medical professionals. They will be selected by Aetna. This giate sports in excess of $3,000 per Policy Year (participating in sports clubs; panel will include professionals who treat the type of disease involved. or intramural athletic activities; is not excluded). Also, this exclusion will not apply with respect to drugs that: 36. Expense for contraceptive methods; devices or aids; and charges for services Have been granted treatment investigational new drug (IND); or and supplies for or related to gamete intrafallopian transfer; artificial insemi- Group c/treatment IND status; or Are being studied at the Phase III nation; in-vitro fertilization (except as required by the state law); or embryo level in a national clinical trial; sponsored by the National Cancer transfer procedures; elective sterilization or its reversal; or elective abortion; Institute; If Aetna in conjunction with the Oregon Health Resources unless specifically provided for in this Policy. Commission determines that available; scientific evidence demon- 37. Expenses incurred for massage therapy. strates that the drug is effective; or shows promise of being effec- 38. Expenses incurred for; or in connection with: speech therapy. This exclusion tive; for the disease. does not apply for charges for speech therapy that is expected to restore 19. Expenses incurred for gastric bypass; and any restrictive procedures, for speech to a person who has lost existing function (the ability to express weight loss. thoughts; speak words; and form sentences); as a result of an accident or 20. Expenses incurred for breast reduction/mamoplasty. sickness. 21. Expenses incurred for gynecal mastea (male breasts). 39. Expense for charges that are not recognized charges; as determined by Aetna; except that this will not apply if the charge for a service; or supply; 22. Expenses incurred for any sinus surgery; except for acute purulent sinusitis. does not exceed the recognized charge for that service or supply; by more 23. Expense incurred for alternative; holistic medicine; and/or therapy; including than the amount or percentage; specified as the Allowable Variation. but not limited to; yoga and hypnotherapy. 40. Expense for charges that are not reasonable charges; as determined by 24. Expense for: (a) care of flat feet; (b) supportive devices for the foot; (c) Aetna; except that this will not apply if the charge for a service; or supply; care of corns; bunions; or calluses; (d) care of toenails; and (e) care of does not exceed the reasonable charge for that service or supply; by more fallen arches; weak feet; or chronic foot strain; except that (c) and (d) are than the amount or percentage; specified as the Allowable Variation. not excluded when medically necessary; because the covered person is 41. Expense for treatment of covered students who specialize in the mental diabetic; or suffers from circulatory problems. health care field; and who receive treatment as a part of their training in 25. Expense for injuries sustained as the result of a motor vehicle accident; to that field. the extent that benefits are payable under other valid and collectible insur- 42. Expenses for treatment of injury or sickness to the extent payment is made; ance; whether or not claim is made for such benefits. The Policy will only as a judgment or settlement; by any person deemed responsible for the pay for those losses; which are not payable under the automobile medical injury or sickness (or their Insurers). payment insurance Policy. •10• Portland State University EXCLUSIONS AND LIMITATIONS (CONTINUED) Any exclusion above will not apply to the extent that coverage is specifically provided by name in the Policy; or coverage of the charges is required under 43. Expenses for routine physical exams; including expenses in connection with any law that applies to the coverage. well newborn care; routine vision exams; routine dental exams; routine hear- ing exams; immunizations; or other preventive services and supplies; except EXTENSION OF BENEFITS to the extent coverage of such exams; immunizations; services; or supplies is If a Covered Person is confined to a hospital on the date his or her insurance specifically provided in the Policy. terminates, expenses incurred after the termination date and during the 44. Expense incurred for a treatment; service; or supply; which is not medically continuance of that hospital confinement shall be payable in accordance with necessary; as determined by Aetna; for the diagnosis care or treatment of the policy, but only while they are incurred during the 90 day period, following the sickness or injury involved. This applies even if they are prescribed; such termination of insurance. recommended; or approved; by the person's attending physician; or dentist. Termination of Insurance In order for a treatment; service; or supply; to be considered medically nec- Benefits are payable under the Policy only for those Covered Expenses incurred essary; the service or supply must: while the policy is in effect as to the Covered Person. No benefits are payable be care; or treatment; which is likely to produce a significant positive for expenses incurred after the date the insurance terminates, except as may be outcome as; and no more likely to produce a negative outcome than; any provided under the Extension of Benefits provision. alternative service or supply; both as to the sickness or injury involved; and the person's overall health condition; HOW DO I FILE A CLAIM? be a diagnostic procedure which is indicated by the health status of the On occasion, the claims investigation process will require additional information person; and be as likely to result in information that could affect the in order to properly adjudicate the claim. This investigation will be handled course of treatment as; and no more likely to produce a negative outcome directly by: Aetna Student Health than; any alternative service or supply; both as to the sickness or injury involved; and the person's overall health condition; and P.O. Box 170, Boston, MA 01-001 (77) 0-0 (toll-free) as to diagnosis; care; and treatment; be no more costly (taking into account all health expenses incurred in connection with the treatment; Customer Service Representatives are available 8:30 a.m. to 5:30 p.m. (PST), service; or supply); than any alternative service or supply to meet the Monday through Friday, for any questions. above tests. 1. Payment for Covered Medical Expenses will be made directly to the In determining if a service or supply is appropriate under the circumstances; hospital or Physician concerned unless bill receipts and proof of payment Aetna will take into consideration: information relating to the affected are submitted. person's health status; reports in peer reviewed medical literature; reports 2. If itemized medical bills are available at the time the claim form is and guidelines published by nationally recognized health care organizations submitted, attach them to the claim form. Subsequent medical bills should that include supporting scientific data; generally recognized professional stan- be mailed promptly to the above address. dards of safety and effectiveness in the United States for diagnosis; care; or 3. In the event of a disagreement over the payment of a claim, a written treatment; the opinion of health professionals in the generally recognized request to review the claim must be mailed to Aetna Student Health within health specialty involved; and any other relevant information brought to 180 days from the date appearing on the Explanation of Benefits (EOB). Aetna's attention. 4. You will receive an "Explanation of Benefits" when your claims are processed. In no event will the following services or supplies be considered to be medi- The Explanation of Benefits will explain how your claim was processed; cally necessary: according to the benefits of your Student Health Insurance Plan. those that do not require the technical skills of a medical; a mental health; or a dental professional; or HOW TO APPEAL A CLAIM those furnished mainly for the personal comfort or convenience of the In the event a Covered Person disagrees with how a claim was processed; person; any person who cares for him or her; or any persons who is part he/she may request a review of the decision. The Covered Person's requests of his or her family; any healthcare provider; or healthcare facility; or must be made in writing within 180 days of receipt of the Explanation of Benefits (EOB). The Covered Person's request must include why he/she disagrees with those furnished solely because the person is an inpatient on any day the way the claim was processed. The request must also include any additional on which the person's sickness or injury could safely; and adequately; information that supports the claim (e.g., medical records, Physician's office be diagnosed; or treated; while not confined; or those furnished solely notes; operative reports; Physician's letter of medical necessity; etc.). because of the setting; if the service or supply could safely and ade- quately be furnished in a physician's or a dentist's office; or other less Please submit all requests to: costly setting. Aetna Student Health P.O. Box 15717, Boston, MA 02215-0014 45. Expenses incurred as a result of dental treatment; except for treatment result- If the dispute is not resolved, you may also write or call the: ing from injury to sound natural teeth or for extraction of impacted wisdom teeth as provided elsewhere in this Policy. Office of Insurance Commissioner 46. Expenses incurred for: care, treatment, services, or supplies; for or related to Consumer Advocacy Unit obstructive sleep apnea; and sleep disorders; including CPAP and UPAP. 350 Winter Street NE, Room 440, P.O. Box 14480 47. Expense incurred for; or related to; sex change surgery; or to any treatment Salem, OR 97309-0405 of gender identity disorder. (503) 947-7984 or (888) 877-4894 (toll-free) Portland State University •11• PRESCRIPTION DRUG CLAIM PROCEDURE Need help with registering onto Aetna Navigator® Registration assistance is available toll free, Monday through Friday, from 7 When obtaining a covered prescription, please present your ID card to a Preferred a.m. to 9 p.m. Eastern Time at 1-800-225-3375. Pharmacy, along with your applicable co-pay. The pharmacy will bill Aetna for the cost of the drug, plus a dispensing fee, less the co-pay amount. ADDITIONAL DISCOUNTS AND SERVICES When you need to fill a prescription and do not have your ID card, you may As a member of the Plan, you can also take advantage of the following services, obtain your prescription from an Aetna Preferred Pharmacy, and be reimbursed discounts, and programs. These are not underwritten by Aetna. To learn by submitting a completed Aetna Prescription Drug claim form found at www. more about these additional services and search for providers, visit www. aetnastudenthealth.com. You will be reimbursed for covered medications, less aetnastudenthealth.com. your co-pay. Prescriptions from a Non-Preferred Pharmacy must be paid for in Aetna VisionSM Discount Program1 – The Aetna Vision discount program helps full at time of service, and submitted for reimbursement. you save on many eye care products, including sunglasses, contact lenses, non- If a plan covers prescription drugs it must cover off label drugs that are medically prescription sunglasses, contact lens solutions and other eye care accessories. necessary and meet the criteria for use as an off label drug as stated in Oregon Plus, you can receive up to a 15% discount on LASIK surgery (the laser vision law. If an urgent condition exists, the plan must cover prescription drugs correction procedure). rendered in or provided by a rural clinic. Aetna Beginning Right Maternity Management Program® 2 – The tools you NOTICE need to give your baby a healthy start. You will have a one-on-one relationship with an obstetrics-trained nurse and a physician – in person, by phone or through Aetna considers non-public personal member information ("NPI") confidential a website – throughout your pregnancy and up to four months after delivery. and has policies and procedures in place to protect the information against Support will be available for depression, pre-term labor, dental screening and unlawful use and disclosure. When necessary for your care or treatment, the healthy initiatives, such as smoking. operation of your health Plan, or other related activities, we use NPI internally, Fitness Program1 – Aetna's Fitness Program provides members with access to share it with our affiliates, and disclose it to healthcare providers (doctors, services provided by GlobalFit™, the nation's most comprehensive provider of dentists, pharmacies, hospitals, and other caregivers), vendors, consultants, fitness clubs and programs supporting members' healthy lifestyles. Members can government authorities, and their respective agents. These parties are required access GlobalFit's national network of nearly 10,000 fitness clubs at preferred to keep NPI confidential as provided by applicable law. Participating Network/ rates* or GlobalFit's other programs and services, such as at-home weight loss Preferred Providers are also required to give you access to your medical records programs, home fitness options and even one-on-one health coaching services. within a reasonable amount of time after you make a request. To obtain a copy of our notice describing in greater detail our practices concerning use and disclosure *At some clubs, participation may be restricted to new club members. of NPI, please call the toll-free Customer Services number on your ID card or visit AFTER HOURS NURSE ADVICE Aetna Student Health on the internet at: www.aetnastudenthealth.com. Now you can talk to a Registered Nurse any time the Center for Student Health MEMBER WEB: AETNA NAVIGATOR® and Counseling is closed by calling (503) 725-2800. The Portland State Got Questions? Get Answers with Aetna Navigator® University Nurse Line can help you by: As an Aetna Student Health insurance member, you have access to Aetna Answering questions about any type of sickness or injury. Navigator®, your secure member website, packed with personalized benefits Determining if you need to go to the emergency room. and health information. You can take full advantage of our interactive website Deciding whether you need to make an appointment with your doctor. to complete a variety of self-service transactions online. And much more. By logging into Aetna Navigator®, you can: Review who is covered under your plan. The Portland State University Nurse Line provides valuable, current information Request member ID cards. to help you make important decisions regarding your health. View Claim Explanation of Benefits (EOB) statements. Estimate the cost of common healthcare services and procedures to better The Portland State University Nurse Line also provides access to: plan your expenses. Highly experienced Registered Nurses. Research the price of a drug and learn if there are alternatives. www.IntelliNurse.com – An on-line health resource that provides links to Find healthcare professionals and facilities that participate in your plan. trusted federal health resources. Send an e-mail to Aetna Student Health Customer Service at your Our Audio Health Library – a convenient, confidential way to access hundreds convenience. of prerecorded messages on an array of healthcare topics ranging from the View the latest health information and news, and more! common cold to heart disease. How do I register? Go to www.aetnastudenthealth.com Please keep in mind, The Portland State University Nurse Line is not a substitute Click on "Find Your School." for medical attention. If you have an emergency medical condition, please call Enter your school name and then click on "Search." 911 or your local emergency medical services number. Click on Aetna Navigator® and then the "Access Navigator" link. Follow the instructions for First Time User by clicking on the "Register Aetna Natural Products and ServicesSM Program1, 2 – Save on acupuncture, Now" link. chiropractic care, massage therapy and dietetic counseling. Also, save on over- Select a user name, password and security phrase. the-counter vitamins, herbal and nutritional supplements and other health- related products. All products and services are delivered through American Specialty Health Networks, Inc. and Healthyroads, Inc. •1• Portland State University ADDITIONAL DISCOUNTS & SERVICES $2,500 Emergency Return Home in the event of death or life-threatening (CONTINUED) illness of a parent or sibling Health and Wellness Portal2 – This dynamic, interactive website will give you Worldwide Emergency Travel Assistance (WETA) Services. On Call provides healthcare and assessment tools to calculate body mass index, financial health, the following travel assistance services: risk activities and health and wellness indicators. The site provides resources for 24/7 Emergency Travel Arrangements wellness programs and activities. Translation Assistance Quit & Fit TM 2 – This tobacco cessation program that will provide support and collaboration Emergency Travel Funds Assistance as you quit smoking. A coaching program can be combined with counseling, interactive web tools and education. You will also be eligible for awards and rewards. Lost Luggage and Travel Documents Assistance 1 Discount programs provide access to discounted prices and are NOT insured benefits. Assistance with Replacement of Credit Card/Travelers Checks The member is responsible for the full cost of the discounted services. Discounts 24/7 U.S. Nurse Help Line are subject to change without notice. Discount programs may not be available in Medical/Dental/Pharmacy Referral Service all states. Discount programs may be offered by vendors who are independent Hospital Deposit Arrangements contractors and not employees or agents of Aetna. 2 Dispatch of Physician Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other healthcare Emergency Medical Record Assistance professionals. Legal Referral ON CALL INTERNATIONAL Bail Bonds Assistance Chickering Claims Administrators, Inc. (CCA) has contracted with On Call Inter- NOTE: In order to obtain coverage, all MER and WETA services must be national (On Call) to provide Covered Persons with access to certain accidental provided and arranged through On Call. Reimbursement will NOT be death and dismemberment benefits, worldwide emergency travel assistance provided for any such services not provided and arranged through On Call. services and other benefits. A brief description of these benefits is outlined Although certain medical services may be covered under the terms of the below. Covered Person's student health insurance plan (the "Plan"), On Call does not provide coverage for medical treatment rendered by doctors, hospi- Accidental Death and Dismemberment (ADD) Benefits tals, pharmacies or other health care providers. Coverage for such services Benefits are payable for the Accidental Death and Dismemberment of Covered will be provided in accordance with the terms of the Plan and exclusions Persons, up to a maximum of Ten Thousand Dollars ($10,000). and limitations may apply. NOTE: For most school plans, ADD benefits are provided by Aetna Life To obtain MER and WETA benefits/services, or for any questions related to Insurance Company (ALIC). However, in some states, ADD benefits may be those benefits/services, please call On Call International at the following provided through a contractual relationship between Chickering Claims numbers listed on the On Call ID card provided to Covered Persons when Administrators, Inc. (CCA) and On Call International (On Call). ADD cover- they enroll in the Plan: Toll Free 1- (866) 525-1956 or collect 1-(603) age provided through On Call is underwritten by United States Fire Insurance 328-1956. All Covered Persons should carry their On Call ID cards when Company (USFIC). Please refer to your school's policy to determine whether traveling. ALIC or USFIC underwrites ADD benefits for your specific Plan. Should you have questions or need to file a claim please contact (866) 378- 8885. CCA and On Call are independent contractors and not employees or agents of the other. CCA provides access to certain ADD, MER and WETA MEDICAL EVACUATION AND REPATRIATION (MER) AND WORLDWIDE benefits/services through a contractual arrangement with On Call. How- EMERGENCY TRAVEL ASSISTANCE (WETA) SERVICES PROVIDED THROUGH ever, neither CCA nor any of its affiliates underwrites or administers ON CALL INTERNATIONAL, INC. any MER or WETA benefits/services. Neither CCA nor any of its affiliates Chickering Claims Administrators, Inc. (CCA) has contracted with On Call In- underwrites or administers any ADD benefits that are provided through ternational, Inc. (On Call) to provide Covered Persons with access to certain On Call. Neither CCA nor any of its affiliates is responsible in any way Medical Evacuation and Repatriation (MER) and Worldwide Emergency Travel for the benefits/services provided by or through On Call, USFIC or VSC. Assistance (WETA) benefits and/or services. Premiums/fees for benefits/services provided through On Call, USFIC and Medical Evacuation and Repatriation (MER) Benefits. The following benefits VSC are included in the Rates outlined in this brochure. are underwritten by Virginia Surety Company (VSC), with medical and travel assistance services provided by On Call. These benefits are designed to assist Covered Persons when traveling in a foreign country or when 100 or more miles from their primary residence, whether on campus or on a trip. Unlimited Emergency Medical Evacuation Unlimited Medically Supervised Repatriation Unlimited Return of Mortal Remains Visit by Family Member/Friend During Hospitalization Return of Traveling Companion Portland State University •1• WELLS FARGO OF CALIFORNIA INSURANCE SERVICES, INC. PRIVACY POLICY We know that your privacy is important to you and we strive to protect the confidentiality of your non-public personal information. We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted or required by law. We believe we maintain appropriate physical, electronic and procedural safeguards to ensure the security of your non-public personal information. You may obtain a detailed copy of our privacy policy through your school, or by calling us toll-free at (800) 853-5899 or by visiting us at https://studentinsurance.wellsfargo.com. CLAIMS ADMINISTERED BY: Aetna Student Health Claims and Coverage Questions P.O. Box 15708 Boston, MA 02215-0014 (877) 850-6062 (Toll-Free) www.aetnastudenthealth.com EMERGENCY TRAVEL On Call International 24/7 Emergency Travel ASSISTANCE: Assistance Services (Provide this information to your (866) 525-1956 (within U.S.). Emergency Contact) If outside the U.S., call collect by dialing the U.S. access code plus (603) 328-1956. www.aetnastudenthealth.com PREFERRED PROVIDER: Aetna Preferred Provider Network To Find a Doctor or Provider (877) 850-6062 (Toll-Free) www.aetna.com/docfind/custom/studenthealth AFTER HOURS NURSE ADVICE: (503) 725-2800 (when the SHAC is closed) PRESCRIPTIONS: Aetna Pharmacy Management (800) 238-6279 www.aetna.com/docfind/custom/studenthealth THE PLAN ADMINISTERED BY: Wells Fargo of California Insurance Services, Inc. Eligibility and Student Insurance Division General Questions OR License No. 802263 11017 Cobblerock Drive, Suite 100 Rancho Cordova, CA 95670 (800) 853-5899 or (916) 231-3399 Fax: (916) 231-3398 https://studentinsurance.wellsfargo.com For the most current Plan brochure, please refer to the online edition found at https://studentinsurance.wellsfargo.com. The brochure contains a brief description of the student health insurance and related benefits available for Portland State University students. This Plan is underwritten by Aetna Life Insurance Company (ALIC) and administered by Chickering Claims Administrators, Inc., an affiliate of ALIC. Aetna Student Health is the brand name for products and services provided by these companies. Certain administrative services are also provided by Wells Fargo of California Insurance Services, Inc. IMPORTANT NOTE Please keep this Brochure; as it provides a general summary of your coverage. A complete description of the benefits and full terms and conditions may be found in the Master Policy. If any discrepancy exists between this Brochure and the Policy; the Master Policy will govern and control the payment of benefits. •1• Portland State University NOTES NOTICE TO ALL HEALTH CARE PROVIDERS Identification Card This card is not a guarantee of coverage. For information concerning coverage, co- Underwritten by: Aetna Life Insurance Company payment and claim instructions, please call Customer Service at 1(877) 850-6062. FOLD ALONG DOTTED LINE CLAIM INSTRUCTIONS PRINT NAME Claims must be submitted to the Company within 90 days after date of treatment. Please mail all medical and hospital bills, along with the patient's name & insured student's name, MEMBER ID # address, student ID number, and name of the university under which the student is insured to: (You may use student ID# while waiting for permanent card) Important Phone Numbers On Reverse Aetna Student Health P.O. Box 15708 2009-2010 Policy's # 474893 Boston, MA 02215-0014 Both the effective and termination dates of coverage are at 12:01 A.M. (877) 850-6062 and are subject to verification by the Administration. (Address on reverse side) STUDENT REFERENCE GUIDE CLAIMS ADMINISTERED BY: Claims, Eligibility and Coverage Questions Aetna Student Health P.O. Box 15708 Boston, MA 02215-0014 (877) 850-6062 www.aetnastudenthealth.com •1• Portland State University TO FIND A DOCTOR OR PROVIDER: Preferred Provider: Aetna Preferred Provider Network (877) 850-6062 www.aetna.com/docfind/custom/studenthealth PRESCRIPTIONS: Aetna Pharmacy Management (800) 238-6279 www.aetna.com/docfind/custom/studenthealth PSU CENTER FOR STUDENT HEALTH AND COUNSELING: (503) 725-2800 www.shac.pdx.edu PSU SHAC AFTER HOURS NURSE ADVICE: (503) 725-2800 www.IntelliNurse.com OFFICE OF INTERNATIONAL AFFAIRS, PSU (503) 725-4094 EMERGENCY TRAVEL ASSISTANCE: On Call International 24/7 Emergency Travel Assistance Services (866) 525-1956 (within U.S.) Dial U.S. access code plus (603) 328-1956 (Outside the U.S.) www.aetnastudenthealth.com
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Kelly Slater Signature Surfboard
Cruise into our Solan Beach location and check out part of Kelly's historical quiver!
Clean Clips
Radical footage from Atiba Jefferson and Ty Evans, shown as they test the Lumix GH2 DSLR camera for Panasonic. Originally shot 1080i for Panasonic CES 2011 show. Nostalgic film mode with no color grading to show image straight out of the camera. This version de-interlaced and compressed for the...
Who's the fastest surfer on tour?
Bede Durbidge tested out the GPS technology last week, and claimed that, "When you're surfing, you don't even know it's there." Photo: Ellis In an effort to address the ever-plaguing issue of webcast tedium, Quiksilver has announced that for the upcoming Quik Pro Gold Coast they will be embedding...
R A E N Optics 2011
Shop R A E N
Thrills Spills And What Not Video Review
A few clicks of a mouse, a transfer of funds from one account to another, 1 business day for ground delivery; this is a short list of logistics with an end result we have been waiting for. Thrills and Spills, starring Dane Reynolds. We watched it, we critiqued it....
Team Shred At Vans
Chris from Vans invited the Surf Ride Skate Team and friends to headquarters to shred the mini ramp. Thanks Chris, for good times and pizza! Photos by James Tull
South Africa + Jordy Smith + Blake Kueny
Blake, Surf Ride intern / filmer has found his niche; filming. Now working with Red Bull, Blake is on location in South Africa bagging clips of Jordy Smith, Damien Fahrenfort and Craig Anderson. Good job bru. Blake sent us some imagery. Check it. Follow Blake as he rants on...
Grom Bomb Surf Ride Solana Beach
Cruise out for a free Grom Bomb drink, t-shirt, wristband and stickers! Surf Ride Solana Beach from 11am-2pm
The Drowning Men + Hensley's
Come one, come all. The Drowning Men are set to play live at Hensleys on Friday, February 4th, 2011. Listen to good music + Share good vibe + Drink good spirits. Never heard of 'em? Listen to song titled "Michelle is Getting Old" here on Hype Machine.


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* FTSEurofirst 300 falls 0.4 pct, Euro STOXX 50 down 0.6 pct
* Schneider hit by Exane BNP Paribas downgrade
* U.S debt issues weigh on market in near-term
* Most investors see October equity dip as short-lived
By Sudip Kar-Gupta
LONDON, Oct 3 (Reuters) - European shares dipped on Thursdayas doubts over how the United States will resolve a budgetstandoff that has shut down parts of the government took theirtoll, while Schneider Electric was hit by a brokerdowngrade.
The euro zone's blue-chip Euro STOXX 50 index closed down by 0.6 percent at 2,902.12 points, while the broaderpan-European FTSEurofirst 300 index fell 0.4 percent to1,242.18 points.
A 3.2 percent fall at Schneider took the most points off theFTSEurofirst 300 index, as Exane BNP Paribas's downgrade to"neutral" from "outperform" hit the company's shares.
The FTSEurofirst 300 hit a fresh 5-year high of 1,274.59points in late September, while the Euro STOXX 50 hit a 2-yearhigh of 2,955.47 points.
Both markets have risen around 10 percent since the start of2013 but have slipped back in October after the U.S. governmenthad to partially shut down this week due to disagreement amongpoliticians over the country's budget.
The standoff is leading to concerns about the $16.7 trillionU.S. debt ceiling, which Treasury Secretary Jack Lew has saidthe government will hit no later than Oct. 17.
Darren Courtney-Cook, head of trading at Central MarketsInvestment Management, expected the uncertainty over the U.S.debt situation to weigh on markets this month.
He sold a position on Germany's DAX, which fell 0.4percent to 8,597.91 points, at 8,634 points on Thursday.
"I've been trading the range, buying the dip and selling thetop. But I'm looking to leave myself positioned 'short'," hesaid.
Others were more positive on a longer time frame, arguingthat in the past the United States had always managed to reachlast-minute solutions to raise its debt ceiling and that signsof a global economic recovery would continue to lift equities.
Economic data on Thursday showed a return to growth lastmonth for French and Italian companies, along with growth inBritain and Germany.
Threadneedle Investments chief investment officer MarkBurgess said his firm had raised its position on Europeanequities to "neutral" from "underweight".
Goldman Sachs economics analyst Noah Weisberger also feltany equity market dip caused by the U.S debt situation would berelatively short-lived.
"The current data, our forward views and a simple look backat past government shutdowns all suggest that current concernswill likely be short-lived," he said.


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The Roundtable
10:10 am
Tue May 21, 2013
Book Picks - The Golden Notebook
By Sarah LaDuke
Jacqueline Kellachan from The Golden Notebook in Woodstock, NY joins us with this week's Book Picks.
List after the break.
Anyone Who Had A Heart by Burt Bacharach
Country Girl by Edna O'Brien
Stag's Leap by Sharon Olds
Silverchest by Carl Phillips
All That Is by James Salter
Life is Meals by James and Kay Salter
If You Want To See Whale by Julie Fogliano & Erin Stead
The Dark by Lemony Snicket & Jon Klassen
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Bright ideas: Fantasy coins are on the money & a local student seeks funding for Guatemala project
CINCINNATI - The Cincinnati area is rich in creativity and bright ideas. Many artists, community activists and entrepreneurs are ready to run with projects and programs, and they're turning to crowdfunding sites to fuel their ideas.
Each week, we'll highlight projects that are underway and asking for your support via Kickstarter, Fundly, Indiegogo and other sites.
Project: Service Learning Guatemala
Platform: Fundly.com
Goal: $1,100
Project By: Lauren Brenneman
According to the project page at Fundly.com, Brenneman is a participant in the 2014 Spring Service Learning Guatemala program. Run by the University of Cincinnati's Lindner College of Business and the Department of Romance Languages, Service Learning Guatemala "develops cross-cultural understanding and team building skills while also building a home for a worthy family."
- Where will the money go? Brenneman says donations will pay for the costs of her trip and help finance the housing project in Guatemala.
Why should people support this project?
Brenneman says: "By making a monetary contribution to my project, you are not only helping me to travel but also you are supplying the gift of a home for a family that is deprived of many things we take for granted in the United States."
Days until this project closes: 79
Funded! Project: Rare Elements
Platform: Kickstarter.com
Goal: $25,000
Project By: Miya Sohoza & Kerry Bodenbender, Osborne Coinage
Aiming to create a realistic fantasy money for board and role playing games, Sohoza worked with her friend and self proclaimed fellow "geek," Kerry Bodenbender to create a faux currency.
Sohoza and Bodenbender believe their coins will support society's love for gameplay and enhance the entire experience.They say they have already gotten lots of support and feedback both from the Tri-state area and across the globe. The set includes six denominations, each one representing an element--fire, water, earth, air, magic, and time--and features illustrations by Bodenbender.
- Where will the money go? It will help Sohoza and Bodenbender produce the coins.
Why should people support Rare Elements?
Miya Sohoza says: "Developing a new product and bringing it to market is risky and costly even for an established company.The tooling and metal alone for the project is in the double-digit thousands, so we decided to utilize Kickstarter to fund the startup costs."
Current backers will get to vote on the imagery for the next set, and the entire production process happens locally.
Days until this project closes: 7
WATCH: The Rare Elements Kickstarter Video
Do you know of a local crowdfunding project we should highlight? Email firstname.lastname@example.com


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Brett Jackson
Handicapping the NL Rookie of the Year race
Apr 2, 2013, 6:30 PM EDT
The AL had an historic Rookie of the Year class last year, but this year, the NL appears to have the stronger group of the two leagues. The one issue: a lot of these talents are likely to have to wait until June or July for their opportunities, if they come this year at all.…
What does Michael Bourn do now?
Dec 6, 2012, 4:29 PM EDT
It's safe to say the Twins won't be getting a Christmas card from Michael Bourn, not after they filled the center field needs of two of his most likely suitors this winter. With Denard Span in D.C., Ben Revere in Philadelphia, B.J. Upton in Atlanta and Angel Pagan in San Francisco, the market for Bourn…
Cubs sign Nate Schierholtz to one-year, $2.25M contract
Dec 5, 2012, 9:43 PM EDT
From ESPN's Jerry Crasnick comes word that the Cubs agreed to a one-year contract on Wednesday night with free agent outfielder Nate Schierholtz. Financial terms of the deal haven't been disclosed. Schierholtz attracted a pretty strong market after being non-tendered in late November by the Phillies, at one point drawing interest from nine different teams —…
Cubs prospect Brett Jackson "has completely overhauled his swing"
Dec 5, 2012, 11:19 AM EDT
Cubs outfielder Brett Jackson ranked among Baseball America's top 100 prospects in 2010, 2011, and 2012, but the big knock against him was a very high strikeout rate and questions about whether he'd be able to hit for a decent batting average in the majors. This year Jackson showed very good power at Triple-A, but…
Cardinals blow late lead, lose in Chris Carpenter's return
Sep 21, 2012, 6:53 PM EDT
The good news for the Cardinals is that Chris Carpenter, originally thought to be out for the season after surgery for thoracic outlet syndrome, turned in a successful five-inning stint Friday in his 2012 debut. The bad news is that the bullpen blew a two-run lead in the ninth, and the Cards went on to…
Brett Jackson made a pretty ridiculous catch last night
Sep 8, 2012, 10:15 AM EDT
Cubs rookie Brett Jackson was involved in a scary play last night in Pittsburgh, as he sprinted to rob Andrew McCutchen of extra bases before crashing into the chain-link fence in center field. It looked pretty bad and Jackson did have to leave the game, but you'll be happy to know that he ended up…
Cubs beat Brewers 12-11 in a wild one
Aug 30, 2012, 7:11 PM EDT
The Brewers got seven RBI from Jonathan Lucroy and a career-high five hits from Rickie Weeks on Thursday. What they didn't get was a victory, as Milwaukee pitchers walked 11 batters and blew leads of 9-3 in the sixth and 11-9 in the ninth in a 12-11 loss to the Cubs. The latest huge letdown…
Cubs prospect Brett Jackson leaves Arizona Fall League with bacterial infection in leg
Nov 3, 2010, 11:18 AM EDT
Cubs prospect Brett Jackson headed to the Arizona Fall League last week after being limited by a right ankle injury while playing for Team USA in the Pan American Games qualifying tournament, but now the 2009 first-round pick has been hospitalized with a bacterial infection in the same leg. He appeared in just four games…
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Real news. Real funny.
Real news. Real funny.
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