text:
Collective, the ad tech leader and programmatic pioneer, today celebrates a decade of innovation and achievements in the online advertising ecosystem, including: development of the industry's first marketing cloud, patented TV Accelerator technology, debut of VISTO™ transparent reporting, dozens of strategic data and technology partnerships and accolades from within the industry. Collective's history of industry expertise and recognition, as well as recent successes and company growth, underscore the strength of the company's position as an established ad tech leader.
"Collective has clearly distinguished itself in digital advertising technology, having successfully helped clients in their quest for results, transparency, insight and efficiency," commented Michael E. Kassan, Chairman and CEO of MediaLink. "Before data-driven, programmatic advertising was a buzz word, Collective was empowering marketers to capitalize on this intelligent approach to media investment and optimization. With the launch of VISTO™, the shift from arbitrage to transparent pricing, and flexibility of both self and managed service solutions, Collective continues to uniquely adapt to address the ever changing needs of advertisers."


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Minecraft: Pocket Edition
- June 11, 2015
Offers in-app purchases
( 984,841)
Top Developer
Minecraft is about placing blocks to build things and going on adventures.
Pocket Edition includes Survival and Creative modes, multiplayer over a local Wi-Fi network, infinite worlds, caves, new biomes, mobs, villages and lots more. Craft, create and explore anywhere in the world so long as you have hands spare and battery to burn.
There's never been a better time to enjoy Minecraft on the move.
Minecraft: Pocket Edition is a Universal App. Pay once and play on any of your Android devices.
More things and places Why is there no ocelots?there is fish but no ocelots oh and why when you tame dogs they look the same but only difference is a collar not like cats they change there look. Also nether and end where are they? Redsone too. And everything you get in the xbox and computer (inculding monster heads that you can put on)then I will rate 5 stars please make this update by the end of august or middle if possible!!oh and I can not log into other players worlds anymore I think that the local server multiplayer makes it work but we both treid and turnded it on and off but no it will not work also I spent 2 years on a world and I died I built a really big hotel in this world and when I respawned I was in the very end of that world it was a flat one so no buildings none of my pet dogs to keep me company and no nothing also in another world I built a really perfect world and it had a really good disco inside my freind could log into here and do a million things in here and there was a death roller coaster that could actually kill you in the world also flat and one I did not want to but started walking around without being able to stop!!I lost that onr too.
Missing a few things... This is clearly behind the PC, Xbox and PlayStation versions in terms of patches. Still no music, food meter or ocelots; hell, even the Creepers have the old-style explosion effects. Still, all in all, a good experience.
"My"craft In this game you can build and create many things like houses, farms, and you can even mine wood on survival to make shelter. It's your own little world!
Add more things!! You've been out for years now, why is there only a hand full of blocks and items? I feel like I'm playing the non-updated version on the xbox... Nuff said...
We love it! Minecraft is huge in our family. My 11 yr old son has been playing it for at least 4 yrs and my 4 yr old daughter loves it as well. I find myself playing sometimes too. We can't wait for the ocelots to come to the pocket edition! !!
Please fix it because if you dont you will Get a call saying that you have to get my money back im going to give you until Monday to fix this if you do i will attract more people to minecraft ok mojang please ok
What's New
• Skins! Change your in-game look by uploading your own skin or choosing one from our downloadable packs
• Just so you know, the skins update is compatible with Minecraft: Skin Studio, available from Google Play
• One more thing about the skins: you need to pay to unlock some, but loads of them are free, so don't stress about it too much
• Multiple language support!
• Boats with space for two! Take your pet for a pleasant ride
• Loads more cool things that you should discover for yourself!
Use the unique powers of the Angry Birds to destroy the greedy pigs' defenses!

subset: commoncrawl


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|By Business Wire
Article Rating:
|June 24, 2014 05:49 PM EDT
Research and Markets (http://www.researchandmarkets.com/research/4kgqsn/global_enterprise) has announced the addition of the "Global Enterprise Resource Planning (ERP) Market 2014-2018" report to their offering.
The Global ERP market is comprised of many software modules, and each of these modules is crucial for a particular business operation. These modules include product management, manufacturing, financial management, customer management, supplier management, project management, and HRM.
The increasing influence of social networking sites, such as Facebook, Twitter, and LinkedIn, allows ERP vendors to introduce social networking in businesses that help employees to interact with customers. The linkage of ERP software with social media gives employees a richer understanding of the end-customer, making customer interaction more personal. The use of social tools within ERP software also increases the degree of integration between co-workers, which in turn improves the quality of information captured about customers. Moreover, inspired by the Apple Application Store, SAP has introduced the ERP Application Store. SAP has also added the ability for customers and partners to buy and resell its Business One ERP software for smaller companies through the store. Vendors such as SAP, NetSuite Inc., and Microsoft are actively building application stores to provide smartphone access to ERP data. ERP is being affected by mobility and the propagation of smartphone apps and is focusing more on building out an ecosystem of apps that will run with native functionality on both iPhone and Android.
According to the report, one of the major drivers in the market is the increasing demand for SaaS-based ERP software from SMEs. The pay-per-use payment model of SaaS-based ERP is in synchronization with the business objectives of SMEs, which has led to its increased adoption among them. With SaaS-based ERP, the initial cost of implementation is minimal and the customer pays according to the usage. Hence, the total cost of ownership decreases to a great extent resulting in an increasing demand from SMEs.
Further, the report states that one of the major challenges in this market is the large number of open-source ERP vendors. With technological developments, several open-source solutions have emerged, posing stiff competition for commercial ERP systems. Open-source software can be downloaded and run in all platforms. As the purchasing and licensing costs of the commercial ERP systems are high, micro and small-scale enterprises and individual users prefer open-source products, which are freely available on the internet. Thus, the presence of open-source ERP systems poses a threat to the Global ERP market.
Key Vendors
- Oracle Corp.
- Sage Group plc
- Infor
- Microsoft Corp.
Other Prominent Vendors
- Concur
- Cornerstone OnDemand
- Kronos
- NetSuite
- Totvs
- Ventyx
- Workday Inc.
- WorkForce Software
- Yon You
For more information visit http://www.researchandmarkets.com/research/4kgqsn/global_enterprise
SYS-CON Events announced today that MobiDev, a software development company, will exhibit at the 17th International Cloud Expo®, which will take place November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. MobiDev is a software development company with representative offices in Atlanta (US), Sheffield (UK) and Würzburg (Germany); and development centers in Ukraine. Since 2009 it has grown from a small group of passionate engineers and business managers to a full-scale mobi...
Aug. 1, 2015 08:00 AM EDT Reads: 287
One of the hottest areas in cloud right now is DRaaS and related offerings. In his session at 16th Cloud Expo, Dale Levesque, Disaster Recovery Product Manager with Windstream's Cloud and Data Center Marketing team, will discuss the benefits of the cloud model, which far outweigh the traditional approach, and how enterprises need to ensure that their needs are properly being met.
Aug. 1, 2015 08:00 AM EDT Reads: 1,683
Learn how to solve the problem of keeping files in sync between multiple Docker containers. In his session at 16th Cloud Expo, Aaron Brongersma, Senior Infrastructure Engineer at Modulus, discussed using rsync, GlusterFS, EBS and Bit Torrent Sync. He broke down the tools that are needed to help create a seamless user experience. In the end, can we have an environment where we can easily move Docker containers, servers, and volumes without impacting our applications? He shared his results so yo...
Jul. 31, 2015 11:45 PM EDT Reads: 784
Palerra, the cloud security automation company, announced enhanced support for Amazon AWS, allowing IT security and DevOps teams to automate activity and configuration monitoring, anomaly detection, and orchestrated remediation, thereby meeting compliance mandates within complex infrastructure deployments. "Monitoring and threat detection for AWS is a non-trivial task. While Amazon's flexible environment facilitates successful DevOps implementations, it adds another layer, which can become a ...
Jul. 31, 2015 10:15 PM EDT Reads: 311
With SaaS use rampant across organizations, how can IT departments track company data and maintain security? More and more departments are commissioning their own solutions and bypassing IT. A cloud environment is amorphous and powerful, allowing you to set up solutions for all of your user needs: document sharing and collaboration, mobile access, e-mail, even industry-specific applications. In his session at 16th Cloud Expo, Shawn Mills, President and a founder of Green House Data, discussed h...
Jul. 31, 2015 04:30 PM EDT Reads: 426
The Software Defined Data Center (SDDC), which enables organizations to seamlessly run in a hybrid cloud model (public + private cloud), is here to stay. IDC estimates that the software-defined networking market will be valued at $3.7 billion by 2016. Security is a key component and benefit of the SDDC, and offers an opportunity to build security 'from the ground up' and weave it into the environment from day one. In his session at 16th Cloud Expo, Reuven Harrison, CTO and Co-Founder of Tufin,...
Jul. 31, 2015 03:00 PM EDT Reads: 496
There are many considerations when moving applications from on-premise to cloud. It is critical to understand the benefits and also challenges of this migration. A successful migration will result in lower Total Cost of Ownership, yet offer the same or higher level of robustness. In his session at 15th Cloud Expo, Michael Meiner, an Engineering Director at Oracle, Corporation, analyzed a range of cloud offerings (IaaS, PaaS, SaaS) and discussed the benefits/challenges of migrating to each offe...
Jul. 31, 2015 02:30 PM EDT
Chuck Piluso presented a study of cloud adoption trends and the power and flexibility of IBM Power and Pureflex cloud solutions. Prior to Secure Infrastructure and Services, Mr. Piluso founded North American Telecommunication Corporation, a facilities-based Competitive Local Exchange Carrier licensed by the Public Service Commission in 10 states, serving as the company's chairman and president from 1997 to 2000. Between 1990 and 1997, Mr. Piluso served as chairman & founder of International Te...
Jul. 31, 2015 02:00 PM EDT Reads: 369
Mobile, social, Big Data, and cloud have fundamentally changed the way we live. "Anytime, anywhere" access to data and information is no longer a luxury; it's a requirement, in both our personal and professional lives. For IT organizations, this means pressure has never been greater to deliver meaningful services to the business and customers.
Jul. 31, 2015 01:45 PM EDT Reads: 119
In their session at 17th Cloud Expo, Hal Schwartz, CEO of Secure Infrastructure & Services (SIAS), and Chuck Paolillo, CTO of Secure Infrastructure & Services (SIAS), provide a study of cloud adoption trends and the power and flexibility of IBM Power and Pureflex cloud solutions. In his role as CEO of Secure Infrastructure & Services (SIAS), Hal Schwartz provides leadership and direction for the company.
Jul. 31, 2015 11:45 AM EDT Reads: 137
In a recent research, analyst firm IDC found that the average cost of a critical application failure is $500,000 to $1 million per hour and the average total cost of unplanned application downtime is $1.25 billion to $2.5 billion per year for Fortune 1000 companies. In addition to the findings on the cost of the downtime, the research also highlighted best practices for development, testing, application support, infrastructure, and operations teams.
Jul. 31, 2015 11:45 AM EDT Reads: 125
Puppet Labs has announced the next major update to its flagship product: Puppet Enterprise 2015.2. This release includes new features providing DevOps teams with clarity, simplicity and additional management capabilities, including an all-new user interface, an interactive graph for visualizing infrastructure code, a new unified agent and broader infrastructure support.
Jul. 31, 2015 10:00 AM EDT Reads: 146
For IoT to grow as quickly as analyst firms' project, a lot is going to fall on developers to quickly bring applications to market. But the lack of a standard development platform threatens to slow growth and make application development more time consuming and costly, much like we've seen in the mobile space. In his session at @ThingsExpo, Mike Weiner, Product Manager of the Omega DevCloud with KORE Telematics Inc., discussed the evolving requirements for developers as IoT matures and conducte...
Jul. 31, 2015 08:45 AM EDT Reads: 305
Container technology is sending shock waves through the world of cloud computing. Heralded as the 'next big thing,' containers provide software owners a consistent way to package their software and dependencies while infrastructure operators benefit from a standard way to deploy and run them. Containers present new challenges for tracking usage due to their dynamic nature. They can also be deployed to bare metal, virtual machines and various cloud platforms. How do software owners track the usag...
Jul. 31, 2015 08:00 AM EDT Reads: 167
Explosive growth in connected devices. Enormous amounts of data for collection and analysis. Critical use of data for split-second decision making and actionable information. All three are factors in making the Internet of Things a reality. Yet, any one factor would have an IT organization pondering its infrastructure strategy. How should your organization enhance its IT framework to enable an Internet of Things implementation? In his session at @ThingsExpo, James Kirkland, Red Hat's Chief Arch...
Jul. 30, 2015 07:30 PM EDT Reads: 1,404


text:
97% Of Greenland Ice Sheet Melts: Everybody Panic!!!!! (Every 150 Years)
Via a Memeorandum pull, the Guardian, along with many mouth breathing moonbats, are screaming about doom and gloom
Greenland ice sheet melted at unprecedented rate during July
We're doomed. Or something
The Greenland ice sheet melted at a faster rate this month than at any other time in recorded history, with virtually the entire ice sheet showing signs of thaw.
The rapid melting over just four days was captured by three satellites. It has stunned and alarmed scientists, and deepened fears about the pace and future consequences of climate change.
In a statement posted on Nasa's website on Tuesday, scientists admitted the satellite data was so striking they thought at first there had to be a mistake.
My goodness, melting in the middle of the summer? Weird!
About half of Greenland's surface ice sheet melts during a typical summer, but Zwally said he and other scientists had been recording an acceleration of that melting process over the last few decades. This year his team had to rebuild their camp, at Swiss Station, when the snow and ice supports melted.
And, damnitall, unprecedented…..oh, wait
Lora Koenig, another Goddard glaciologist, told Nasa similar rapid melting occurs about every 150 years. But she warned there were wide-ranging potential implications from this year's thaw.
So…..it happens? Anthony Watts chimes in, noting the melting is right on time
I had to laugh at the title of their press release, where they cite "Unprecedented Greenland Ice Sheet Surface Melt", then contradict themselves when the main researcher goes on to say "melting events of this type occur about once every 150 years on average. With the last one happening in 1889". Do these guys even read their own press releases? Climatologist Pat Michaels concurs saying: "Apparently NASA should start distributing dictionaries to the authors of its press releases."
Steven Goddard provides photos of Greenland before and after. Not a whole lot of difference. More from the Guardian
In this instance of this month's extreme melting, Mote said there was evidence of a heat dome over Greenland: or an unusually strong ridge of warm air.
Ah. So weather happened. Hey, remember when Vikings colonized Greenland and grew grapes and lived an agrarian lifestyle? Until the climate changed and the world was plunged into the Little Ice Age. Darned Vikings must have been using fossil fueled combines to harvest their crops, causing it to get cold.
Crossed at Pirate's Cove. Follow me on Twitter @WilliamTeach.
Also see...
This dad punches the crap out of two girls attacking his daughter. Tell me you wouldn't do the same if a pack of thugs were beating on your child. I...Read More
William Teach
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text:
|Dividend Yield
|52 Wk High
|Market Cap
|52 Wk Low
|Short Interest
|Next Report
|Market Growth LT
|Market Growth ST
|EPS Growth
|Growth Potential
|Earnings Impact
|Earnings Surprise
Dismal Growth Indicators Denote Very Difficult Operating Conditions and an Uncertain Outlook
Computer Programs and Systems, has been struggling with anemic sales growth for some time and now, based on its latest quarterly report, it has dipped into negative territory. The company had total revenue of $198.89 million in the 12 months ended last quarter, only a modest 12.00% gain from three years earlier, when total revenue in the equivalent 12 month period was $177.59 million. And now sales have started to decline as evidenced by the 11.24% year-over-year decline recently reported by the company. It said in its latest announcement that last quarter's total sales were $46.24 million compared to $52.09 million a year earlier. These results underscore a very worrisome trend marked not only by a recent downturn in Computer Programs and Systems,'s business but also an inability to show sustainable long term growth that could lead to higher profits. It reported also that profit fell last quarter from the year earlier period, impacting also long term profit growth, which has been anemic in the last three years. We base long term profit growth on the change in full year (12-month trailing) net income from the comparable period three years before. Computer Programs and Systems,'s First quarter net fell 30.34% to $5.37 million from the year earlier profit of $7.72 million (excluding extraordinary items) , which contrasts with its growth in 12-month trailing profit over a three year period. Also including last quarter's results, the company's profit grew to $30.19 million for the 12 months ended March 31, 2015, a 15.62% jump from full year profit of $26.11 million reported for the period ended three years earlier. The company's ongoing margin contraction accelerated during its most recent quarter in which its EBITDA, operating and net margins fell an average of 9.49% from the year earlier period.
The company's May 01, 2015 announcement of First quarter results met analyst consensus estimates of $0.49 per share for the period. The report was welcomed by investors, who bid the stock up 7.07% following the news. Despite meeting the latest consensus estimate its average earnings surprise record is very poor; it has missed analysts' estimates by an average of 10.68% over the last six reports.
|Capital Structure
|P/E Analysis
|Price/Book Ratio
|Price/Cash Flow Ratio
|Price/Sales Ratio
|Market Value
Assuming the Company's Fundamentals Don't Deteriorate in Coming Quarters, the Stock's Valuation is Acceptable at this Level
Shares of Computer Programs and Systems, trade currently at 19.99 times the company's forward 12-month' earnings per share, which represents a small 7.71% premium to the MarketGrader-calculated optimum P/E ratio of 18.56. This ratio is based on the company's last two years of quarterly earnings, grouped in 12-month rolling periods to determine their growth rate. Computer Programs and Systems,'s earnings per share , based on this measure, have grown at an annualized -7.63% rate during this time. The recent contraction in profit margins could contribute to further deterioration in EPS growth and also lead to lower Profitability grades, both of which would have a negative effect on the stock. The stock's forward P/E of 19.99, based on the next four quarters' estimates, is higher than its trailing P/E and the S&P 500's forward P/E of 15.20. It would seem therefore that investors's growth expectations may already be factored into the stock price despite the company's positive fundamentals.
Computer Programs and Systems,'s market value is currently 6.28 times its total book value, a fair valuation when you consider none of the company's total stockholders' equity is made up of intangible assets such as goodwill. While recording some intangible assets is not necessarily a bad thing, a low percentage of intangibles versus other assets suggests the company's accounting is conservative. Relative to the $3.57 in cash flow per share generated by the company in the last twelve months, the stock is attractively priced at 12.84 times cash flow per share considering its strengths across our fundamental indicators. Its price to sales ratio of 2.61 is slightly higher than the Services to the Health Industry's average of 2.57, both based on trailing 12-month sales. Finally, from a value perspective, we look at how much bigger the company's market capitalization is than its latest operating profits after subtracting taxes. Based on this measure Computer Programs and Systems,'s $528.64 million market cap is an acceptable valuation, representing a modest multiple of 15.62 times its latest quarterly net income plus depreciation.
|Asset Utilization
|Capital Utilization
|Operating Margins
|Relative Margins
|Return on Equity
|Quality of Revenues
Profitability Record Is Excellent Across the Board Suggesting a Very Well Managed Operation
Computer Programs and Systems, is very profitable and this is reflected across the board in this category's indicators, with operating margins that exceed its peer group average and a very solid return on shareholder equity, all based on 12-month trailing data. The $30.19 million in net profit it earned during the same period accounted for 15.18% of total revenue, a healthy net profit margin. Operating income during that same period accounted for 22.84% of sales, 64.67% higher than the average operating margin for the Services to the Health Industry industry, which was 12.86%. Based on how much it has earned in the last four quarters, the return on Computer Programs and Systems,'s common equity has been a remarkable 37.44% during this time, even though this is below the 47.06% return on equity achieved in the year-earlier period. This metric plays an important role in how our system measures a company's management efficiency.
In spite of this recent downturn and given the still-strong performance by the company its leverage has plenty of room to grow considering Computer Programs and Systems, has no debt at all. Computer Programs and Systems,'s core earnings have shown a significant slowdown in the company's business based on twelve month trailing EBITDA of $49.36 million. This represents a 11.74% decline from the same period ended a year earlier in which the company's core operations generated $55.92 million. EBITDA is used as a measure of earnings power because it includes non-operating charges like interest expenses, income taxes and depreciation and amortization, which aren't even cash expenses. All of these are included in several areas of our analysis that look at EPS and net income.
|Cash Flow Growth
|EBIDTA Margin
|Debt/Cash Flow Ratio
|Interest Cov. Capacity
|Economic Value
|Retention Rate
Company's Cash Flow Indicators Are Solid Across the Board but Offer Some Room for Improvement
Computer Programs and Systems, showed a small improvement in its quarterly cash flow during the latest period, in which it grew by 3.64% to $13.64 million from the $13.16 million reported in the same period last year. This is significantly lower than the 7.48% growth in twelve month trailing cash flow, an indication of a sharp slowdown in the company's core operating income and overall business environment. The company clearly has very strong liquidity having no debt to finance, $40.77 million in cash on hand as of last quarter and a business that generated $29.25 million in earnings before interest, taxes, depreciation and amortization in the same period. This affords it significant flexibility to take on debt if it wanted to pursue new growth opportunities such as an acquisition. The company had $40.77 million in cash on hand last quarter compared to $29.25 million a year earlier, a 39.37% increase. It continues to have no debt.
Our Economic Value indicator measures the company's ability to generate a true economic profit by taking into account not only the costs of running the business but also the cost of capital. In Computer Programs and Systems,'s case, since the company has no debt, we only look at the cost of equity, which is to say the opportunity cost to an investor of having his capital tied up in the company's shares instead of some other investment. Based on its 12-month trailing operating income, Computer Programs and Systems, generated a 56.33% return on $80.64 million of invested capital. Since it has no debt this simply includes all forms of equity. Its after tax cost of equity during the last year was 7.20%, which, when deducted from its return on investment results in an economic value added, or EVA, of 49.12%. This is a remarkable return to its shareholders, more than justifying their investment in Computer Programs and Systems,'s shares. The company increased its quarterly common dividend on September 30, 2014 by 12.28%, to 64.00 cents a share from 57.00 cents. It has now distributed dividends uninterrupted for at least five years and based on this latest payout the stock is currently yielding 5.17%. Computer Programs and Systems, spent $26.41 million in common dividend payments in the last 12 months, which account for 66.98% of the company's cash flow and 87.48% of its after-tax earnings, an extremely large payout level. This represents an increase from the 78.49% of earnings paid out in the 12 months ended just a quarter earlier. While the company's fundamentals are generally positive, the increase in the payout to such high levels threatens to erode the firm's liquidity and strain its balance sheet.


text:
NKJV Owl Bible
- All Products
- Academic
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- Buy in Bulk
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- New Release
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Product Description
Little girls will love this adorable Purple Owl Bible designed with fun felt appliques. Packaged in a clamshell box, this Bible includes a 24-page, four-color insert that offers maps, articles, and other biblical information to help girls grow in their walk with God.
Features include:
- My Favorite Bible Verses
- Bible Time Line
- How Do I Pray?
- How Do I Know Jesus Loves Me?
- Why Should I Read the Bible?
- And so much more!
- Glittery Appliquéd cloth hardcover
- Presentation page
- Family history page
- Ribbon marker
- Section introductions
- 8-point text size
- 8.75" x 5.50" x 1.00"
Product Information
|Format: Paperback
Number of Pages: 912
Vendor: Thomas Nelson
Publication Date: 2012
Dimensions: 8.25 X 5.38 (inches)
Availability: In Stock
|Text Color: Black Letter
Text Size: 7 Point
Thumb Index: No
Ribbon Marker: Yes
Spine: Glued
Page Gilding: None
Page Edges: White
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Publisher's Description
Little girls will love carrying this full-text New King James Version® in a cute Purple Owl design to church, school, and wherever they go!
Designed with adorable felt appliques, the Purple Owl will be packaged in a clamshell box so consumers can see its adorable features. The Bible includes a 24-page, four-color insert that offers maps, articles, and other biblical information to help girls grow in their walk with God.
Features include: My Favorite Bible Verses; Bible Time Line; How Do I Pray?; How Do I Know Jesus Loves Me?; Why Should I Read the Bible?; How Do I Forgive?; Bible Verses to Know; The Names of God; Kids in the Bible; Dictionary of People, Places, and Things in the Bible; and satin ribbon marker.
Product Reviews
Don5 Stars Out Of 5bought this for my daughterApril 29, 2015DonQuality: 0Value: 0Meets Expectations: 0She loves it!
Dave2 Stars Out Of 5Not at all what I expected.April 1, 2015DaveQuality: 2Value: 1Meets Expectations: 1The cover of this Bible is very well done so I gave it two stars, but the print inside is far too small even for young eyes. It is doubtful any one of any age is going to want to spend more than a minute squinting at this miniature text to explore this edition. I bought this as an Easter gift for my granddaughter but will not give it to her after seeing how poorly done it is. I do not recommend this Bible for any one being introduced to God's word.
carefulmamaOklahomaAge: 45-54Gender: female5 Stars Out Of 5excellent!!March 5, 2015carefulmamaOklahomaAge: 45-54Gender: femaleQuality: 4Value: 5Meets Expectations: 5I'm nine years old and Iv'e had this Bible about a year, now. The text is really easy to read, and it's easy to find because it's so different from other Bibles! The sparkles do come off now and then, but over all, i'm happy with it :)


text:
Plays the role of Iccha in Uttaran on COLORS
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Tina dutta...We are dying to see u back on-screen...Please return back soon...Luv u lotzzz
Come back plz..intehha ho gyi intezzar kii ..coom soon very soon
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Rates are calculated based on the latest information provided. Please contact the manager/owner to confirm actual rates for your requested dates.
We are sorry that your stay did not meet or exceed your expectations. While the comfort level of a mattress does vary depending on each guest's personal standard, we will also address and look into the issue and the room state at your arrival. We have numerous locations with a variety of views and our vacation planners would be happy...


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WunderPhotos Upload
Pink Petunias
Uploaded by: debodun
Thursday August 27, 2009
Caption: A dazzling bed of deep pink petunias
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MUMBAI Gold futures eased from their highest level in eight months on Tuesday on profit-taking as the rupee came off its early low and overseas markets fell.
* At 2:47 p.m., the actively traded gold contract for October delivery on the Multi Commodity Exchange (MCX) was 1.83 percent lower at 30,595 rupees per 10 grams, after hitting a high of 31,278 rupees in the last session, the level last seen on December 18.
* Technical indicators show highly overbought conditions, leading to profit-booking, said Gnanasekar Thiagarajan, director with Commtrendz Research.
* Thiagarajan said the outlook was negative for gold prices on a weekly basis, with the U.S. Fed minutes and subsequent news of tapering off likely to dent gold prices.
* The rupee plays an important role in determining the landed cost of the dollar-quoted yellow metal.
* Silver contract for September delivery on the MCX was 2.4 percent lower at 49,988 rupees per kg.
* Overseas silver slid nearly 4 percent, falling a second straight session after its biggest rally in five years, as worries over the U.S. stimulus outlook and technical selling dragged it lower and gold followed.
* In the physical market, gold traders awaited imports to re-start ahead of the key festivals and weddings next month.
* A resumption of imports would ease tight domestic supply and prices ahead of a festival and wedding season that kicks off next month. Indian imports would also support benchmark international gold prices.
(Reporting by Siddesh Mayenkar; Editing by Anand Basu)
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AIIB to mobilize resources in developing Asian countries: PCJCCI- Lahore—Formation of Asian Infrastructure Investment Bank (AIIB) would lessen the unjust conditionalities of IFI's (International Financial Institutions), Mr. Shah Faisal Afridi, President Pak-China Joint Chamber of Commerce & Industry (PCJCCI) ... Pakistan Observer, 1 week ago
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Changing landscape in insurance regulation under spotlight
2-day 10th Asian Forum of Insurance Regulators kicks off under aegis of Insurance Board of Sri Lanka for the first time 34 insurance regulators from over 14 jurisdictions in Asian region in Colombo By Shehana Dain The 10th Asian ...DailyFT, 4 days ago AFIR changing landscape in insurance regulations Ceylon Today, 3 days ago IBSL to host 10th Asian Forum of Insurance Regulators ... Daily Mirror Sri Lanka, 1 week ago National Forum for Life Insurance Advisors on 4 August DailyFT, 4 days ago
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July 29--The Asian Development Bank (ADB) is ready to redirect the loan allocated for the reconstruction of the Baku-Sumgait railway to finance another site of the railway in Azerbaijan, the ADB's Baku office told Trend. Currently, the ...Bloomberg, 3 days ago ADB pledges $200m for reconstruction Himalayan times, 2 months ago
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An employee cleans a board during the preparations for the BRICS summit in Ufa, Russia, July 7, 2015. The BRICS emerging economies launched a development bank, New Development Bank, in Shanghai on Tuesday. [Photo / Agencies] New Development Bank, a ...CHINAdaily.com.cn, 1 week ago BRICS launches new development bank Bangladesh Daily Star, 6 days ago
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Impressed with the proposal to establish a China-Asian Infrastructure Investment Bank (AIIB), the African Development Bank's (AfDB) has lauded the initiative, pledging to work together with the new financial organisation to cope with the ...Individual.com, 5 days ago AfDB backs AIIB, approves $243m for road project in Southern Africa The Guardian Nigeria, 5 days ago BANK OF CHINA : AfDB Backs AIIB, Approves U.S.$243 Million for Road Project in Southern Africa 4 Traders, 5 days ago Southern Africa: AfDB Backs AIIB, Approves U.S.$243 Million for Road Project in Southern Africa AllAfrica.com, 5 days ago
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Avalon Risk Management, Inc.
150 Northwest Point Boulevard
Elk Grove Village, IL 60007
Phone: 847-700-8100
Fax: 847-700-8118
100 - 249
< 500k
SIC Code:
6411 - Insurance Agents, Brokers, and Service
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Lisa Gelsomino
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Insurance Auto Auctions, Inc., is in the Insurance industry. Their main office can be found in Westchester, IL, and they can be contacted through Insurance Auto Auctions, Inc. email using the domain @iaai.com format, some important contact information like linkedin data, phone numbers, contacts for cfos, etc of which can be found on their Lead411 profile. If you sign up for our free trial you will see our firstname.lastname@example.com addresses.
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Hospital's John Currier Wins National Election
October 4, 2011
Gibson Area Hospital & Health Services' (GAHHS) John Currier, CPAM, has been elected as a National Officer for American Association of Healthcare Administrative Management (AAHAM). From 2012 to 2013 Mr. Currier will hold the position of 2nd Vice President. As 2nd VP Mr. Currier is responsible to direct the areas of the Constitution and Bylaws, Practices and Standards, and Government Relations.
"With AAHAM I have a vast network across the country that I can utilized for education, certification, networking, and advocacy for GAHHS, said Currier. "AAHAM is a great organization and has been a big factor in my career advancement in Revenue Cycle Management."
Mr. Currier was hired on at (GAHHS) in July 2009 as the Patient Financial Manager. Currently, he holds the position of Executive Director of Revenue Cycle Management.
The AAHAM is the premier professional organization in healthcare administrative management. AAHAM was founded in 1968 as the American Guild of Patient Account Management. Initially formed to serve the interests of hospital patient account managers, AAHAM has evolved into a national membership association that represents a broad-based constituency of healthcare professionals.
The Certified Patient Account Manager exam is every bit as challenging for patient account managers as the CPA and bar exams are for their respective fields. Sitting for this eight hour exam takes commitment and dedication. That's one of the reasons it is so prestigious in our industry. For over 25 years the Professional Certification exam has set the standard of excellence in patient accounting. Mr. Currier received his CPAM certificate in 2008 and has been actively involved in the Illinois Chapter of AAHAM since 1991. He has served as Illinois' Membership Chair, Chapter President, and Chairman of the Board, in 2009 he received a lifetime membership award, and in 2010 and 2011 he served as the National AAHAM Treasurer.
Mr. Currier and his wife Diane live in Gibson City and have four children and eight grandchildren.
[ Back to Listing ]
Latest News &
Items of Interest
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The rain may have delayed this year's outing by a week, but that didn't stop us from having a [...]
Dr. Geada and Anne-Marie Richmond Seeing Patients at New Gibson Area Medical Clinic
Gibson Area Hospital & Health Services (GAHHS) is excited to announce [...]
Golf Outing Postponed Until July 16, 2015
Unfortunately, due to the weather we are going to have to postpone our "Fore…. The [...]
Ross Harden Awarded GAHHS June Employee of the Month
Ross Harden, raised and currently living in Bellflower, was chosen as the Gibson Area Hospital [...]
Gibson Area Hospital Nurses Week 5k Goes the Extra Mile for FCA Power Camp and GAH Foundation
When nurse leadership decided to celebrate National Nurses Week by partnering with Choose 2 Change [...]


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Anticipating ACA Risks
As implementation of the Affordable Care Act rolls onward, many employers are still lagging in compliance due to the law's complexity, according to a presentation at the annual RIMS conference held this week in New Orleans, La.
One reason could be is that the act itself is about 10,000 pages in length.
"People tell me they've read the whole thing. I don't believe them," said James Anelli, partner at LeClairRyan, a law firm that also provides business counsel.
The primary area of confusion, especially for smaller employers, is determining whether or not they are in fact covered by the ACA. Employers must offer "minimum-value" health care coverage if they have at least 50 full time – or "full time equivalent" – employees.
Full time equivalency is calculated by adding all part-timers' service hours per month and dividing by 120. An average of 30 hours per week qualifies as full time. Employers with many part-time employees often get tripped up here, as "service hours" include actual work time, paid time off and vacation days.
Wellness plans present another challenge. Encouraged by the ACA as a method to create a healthier workforce and reduce costs long-term, wellness initiatives have come under heavy fire by the Equal Employment Opportunity Commission for violations of the Americans with Disabilities Act (ADA) and the Genetic Information Nondiscrimination Act (GINA).
The EEOC filed three lawsuits against employers in 2014, alleging that their wellness plans were not effectively "voluntary" due to severe penalties or withdrawal of incentives levied against employees who did not participate.
"If your company has not had a conversation with your D&O carrier, you're a little behind on the times," said Randy Jouben, director of risk management for Five Guy Enterprises, Inc.
"We know there will be claims," and employers should know who will cover their defense costs.
"If there's a section that plaintiff's attorneys will latch onto, it's the retaliation provision." — Randy Jouben, director, risk management, Five Guys Enterprises, Inc.
The ACA's non-discrimination provision with respect to benefits also makes employers vulnerable to litigation. Employers can't offer advantages like free coverage or shorter waiting periods to highly compensated employees.
The penalty for doing so is an excise tax of $100 per day for each individual negatively affected. But the real penalty will be in the cost to defend against claims by employees that claim they were treated unfairly.
"If there's a section that plaintiff's attorneys will latch onto, it's the retaliation provision," Jouben said.
An employee who is terminated could potentially claim they were targeted for objecting to an action or practice by their employer that does not comply with the ACA.
"The standard of proof is incredibly low," Anelli said. An employee would simply have to show that their objection was a contributing factor to their termination; then the burden of proof falls on the employer to show it was non-discriminatory.
The speakers reiterated that "litigation will occur because of the sheer complexity and uncertainty surrounding numerous issues relating to ACA implementation." With a lack of regulatory guidance in place, court decisions will fill in the gaps, and are likely to vary widely from state to state. In essence, ACA mandates will be enforced by plaintiff's attorneys, more so than the federal government.
"Litigation will occur because of the sheer complexity and uncertainty surrounding numerous issues relating to ACA implementation."
In addition to lack of guidance, many companies lack the resources to update their systems and policies quickly and effectively.
According to Jouben, risk management, human resources, IT and legal departments all need to work together to identify compliance issues, because "no one group will fully understand it."
"This screams for ERM," he said.
"This is an opportunity for risk managers to be the heroes. They have to let people know who's on the hook."
New reporting requirements also present additional risks. Beginning in 2015, employers must report certifications for penalty exemptions and other details of the coverage they offer to the IRS.
"Many HR systems are not set up to capture this information," Jouben said. Many may not distinguish, for example, between stand-alone dental and vision plans – which may not be covered by the ACA – and those that are rolled into full health care plans, which would be subject to ACA provisions.
Collecting and reporting more detailed health plan information also introduces greater cyber risk.
Employers should adopt "clean desk" policies, ensuring that physical documents are scanned into systems that can encrypt their information and are then shredded.
Thirty states so far have enacted laws to destroy personal identifiable information or otherwise render it undecipherable through encryption. Forty six states have legislation requiring notification of a breach to all affected parties.
Jouben and Anelli also addressed concerns that ACA implementation will drive up health care costs. Jouben pointed out that hospitals and health care providers have been a driving force in stabilizing rate increases, and Medicare reimbursement rates have actually decreased. However, it's unclear if this trend will continue.
Regardless of its effectiveness in reducing health care costs thus far, the reality is that the ACA is here to stay for the foreseeable future, and employers must face its complexity head-on, utilizing resources from every department to find gaps in compliance.
Affordable Care Act
More Accountable Care
More physicians are selling their practices and becoming employees of larger entities, as the Affordable Care Act encourages the creation of expanded accountable care organizations.
So far, underwriters are viewing the trend as a positive, with improved risk management practices and less "finger-pointing" between hospitals and doctors during the claims resolution process, as all parties are now covered under the employers' professional liability policies (physicians working as employees typically no longer buy medical malpractice insurance.)
But as more patients are served under this model, experts said, certain issues need to be ironed out, such as whether health care organizations can meet new "pay-for-performance" metrics and whether they are buying as much limits as they should to adequately handle jury awards.
Berkshire Hathaway Specialty Insurance views the ongoing migration of physicians toward institutional employment as a favorable trend, both for the individual practitioner as well as for the institution employing them, said Leo Carroll, head of healthcare professional liability.
"Physicians are less distracted and burdened by some of the administrative responsibilities of running a practice, by handing that over to the institution to manage," Carroll said.
Physicians benefit when they join an institution's risk management program, in part by being able to use a common medical record system, usually electronic, to help to optimize technological efficiencies and promote consistent communication, he said.
Moreover, communication between physicians and institutions within the employment model generally is "a little tighter and more efficient," as comprehensive treatment plans can be shared more effectively across a unified team.
Physicians are also integrated into a larger insurance program overseen by the institution, which allows them access to broader risk management training and promotes more time with patients, Carroll said.
Claims can also be resolved more efficiently because the "finger-pointing" between doctors and hospitals under separate insurance policies has been eliminated, and the cost of a coordinated defense using one law firm is typically much lower.
Still, a unified approach to resolving conflict "does come with compromise for all involved," so that claims can be resolved in the best interests of all parties, Carroll said.
"The future is a pay-for-performance environment." — Bob Allen, president, Pro-Praxis Insurance
"It's really important for physicians to be open and well-informed about the culture of the institution they are joining," he said.
"They need to make sure to understand that there may be differences in the way that care is delivered and what the expectations are of the physicians by the institutions."
Medical specialists are also making the switch, said Mary Ursul, executive vice president at Coverys, a Boston-based provider of medical professional liability insurance.
In recent years, Coverys has seen instances where independent cardiologists in a community all become employed by a health system, Ursul said.
"Whether it is the push to upgrade equipment, implement electronic medical records, the uncertainty of future private payer and government reimbursement, or the predicted shortage of health care providers, the shift away from independence seems to be heavily weighted towards financial concerns," she said.
The ACA's call for more integrated care delivery is also prompting the move toward employment — as well as the increasing trend of hospitals and health care organizations to also acquire acute care, post-care, rehabilitation facilities and other entities across the health care delivery system, Ursul said.
As larger entities acquire physician practices, there are certain training protocols that should be considered to minimize risk exposure, she said.
"For example, something as simple but important as a new patient intake process within an unfamiliar electronic medical record can create situations where risk exposure can increase without sufficient training," Ursul said.
"That could be a steep learning curve for staff in a physician's medical office, therefore, time, training and appropriate resources are all important to make the transition smooth and to ensure that clinical information is handled appropriately so that risk can be reduced."
While Coverys offers comprehensive clinical risk management services to its insured independent physicians, the carrier finds that not all physicians have access to such services, she said.
Coverys advises hospitals acquiring physician practices to conduct risk management assessments as soon as practical, a service that the carrier provides to insured hospitals.
"These assessments can provide a baseline of data on processes, possible gaps in best practices, and assist in determining what type of education and training staff may need," Ursul said.
One benefit to being acquired is often access to professional clinical risk management resources through the hospital's risk management department.
"This may not actually be viewed as a benefit from the physician side of the transition as physician practices are largely unregulated, so the level of oversight may be viewed as burdensome," she said.
As hospitals and health care organizations acquire more physician practices and other entities throughout the health care spectrum, the risk in maintaining "the health of the community" becomes the new issue, said Bob Allen, president of Pro-Praxis Insurance in New York.
The Importance of Care Coordination
To manage the health within a patient population, there has to be coordinated care across physicians, hospitals and rehab services, Allen said.
"For example, one entity says that it can take care of all of the diabetes cases in its region for x number of dollars, and so the 'risk' is being able to have the hospital and the doctors on the same page to be able to take care of those cases at or under that targeted dollar amount," he said.
That exposure is also translated into the financial risk of taking a flat fee for a particular type of care, what is known in the industry as a "capitated risk," Allen said.
If a health insurer agrees to give a hospital and its physician network a flat fee to treat 1 million people in its area, the insurer may pay for office visits, including annual checkups, but it likely won't pay if the network provides poor quality of care.
Insurers are now measuring that by "quality indicators," he said. Insurers are increasingly reviewing the number of surgical infections or falls during hospital stays that occurred due to poor quality treatment or follow-up after surgeries, and determining whether the rates are too low, high enough or whether not to pay.
"The future is a pay-for-performance environment," Allen said.
"If the network doesn't perform well, it doesn't get paid for services rendered — that's the risk. It's more of a business risk than a typical malpractice risk."
To mitigate this financial risk, hospitals and physicians have to be on the same page, have greater collaboration, and "probably" the best way to do that is within an employer/employee structure, he said. Historically physicians had hospital privileges as independent contractors, but now as employees, there is better management of making sure doctors do checklists before performing surgery.
"As an integrated group, there are resources and rules for who will do the follow-up calls after surgery to make sure stitches are not going to be ripped open," Allen said.
Pro-Praxis offers a professional liability program that covers every entity within the network — hospital, physicians and other employees such as certified nurse assistants, as well as other entities that hospitals have been acquiring such as nursing homes and outpatient surgery centers, as part of providing a continuum of care, he said.
Professional liability has taken the place of medical malpractice for individual physicians, Allen added.
For example, a hospital may pay $1 million in premiums, but after it brought a physician group of five doctors who each used to pay $100,000 in premiums for medical malpractice insurance, the hospital would now pay a total of less than $1.1 million in premiums.
In addition to less "finger-pointing" with a joint defense, typically the new employer/employee structure can result in "behavioral changes."
"That is not to say that physicians didn't behave well before, but now the hospital can better manage treatment and follow-up, and the workflow of all of its employees," he said.
For insurers, the biggest challenge with the new structure pertains to policy limits, Allen said. Under the traditional structure, hospitals typically have a $2 million limit for professional liability and physician groups have a $1 million limit for malpractice. If they were sued and the jury awarded $3 million, the two entities could cover it with their respective limits.
"But now that there is no more sharing and just one health system that has to pay that $3 million jury award, the hospital would now have to pay $1 million out of pocket because its limit is still $2 million," he said.
"This hasn't happened yet, but from an underwriter's perspective, we are concerned about loss allocation."
Some health care organizations have been buying more limits and have been paying more in premiums, so they won't have to pay out-of-pocket, something the insurers are hoping more will do as their exposure to losses increases.
"They have to be careful now that they've brought on all of those physicians as employees," Allen said.
"Our job is to figure the impact of losses on how much limits they should get, and there is no hard data on that, yet."
Sponsored: Healthcare Solutions
The Tools of the Trade
Integrating medical management with pharmacy benefit management is the Holy Grail in workers' compensation. But getting it right involves diligence, good team communication and robust controls over the costs of monitoring technology.
Risk managers in workers' compensation can feel good about the fact that opioid use is declining slightly. But experts who gathered for a pharmacy risk management roundtable in Philadelphia in June pointed to a number of reasons why workers' compensation professionals have more than enough work cut out for them going forward.
For one, although opioid use is declining, its abuse and overuse in legacy workers' compensation claims is still very much a problem. An epidemic rages nationally, with prescription drug overdose deaths outpacing those from the abuse of heroin and cocaine combined.
In addition, increased use of compound medications and unregulated physician dispensing are resulting in price gouging and poor medical outcomes.
Although individual states are attempting to address the problem of physician dispensing of prescriptions in workers' comp, there is no national prohibition against it: That despite substantial evidence that the practice can result in ruinous workers' compensation medical bills and poor patient outcomes.
"The issue is that there isn't enough formal evidence to indicate improved outcomes from the use of compounds or physician dispensed drugs, and there are also legitimate concerns with patient safety," said roundtable participant Jim Andrews, executive vice president, pharmacy, for Duluth, Ga.-based pharmacy benefit manager Healthcare Solutions.
Andrews' concerns were echoed by another roundtable participant, Dr. Jennifer Dragoun, Philadelphia-based vice president and chief medical officer with AmeriHealth Casualty.
"When we're seeing worsening outcomes and increasing costs, that's the worst possible combination of events," Dr. Dragoun said.
Whereas two years ago, topical creams and other compounds with two to three medications in them were causing concern, now we're seeing compounds with seven or more medicines in them.
How those medicines are interacting with one another, and in the case of a compound cream, how quickly they're being absorbed by the patient, are unknowns that are creating undue health risks.
"These medicines haven't been tested for that route of administration," Dragoun said.
In other words, the compounds have not been reviewed or approved by the FDA.
Carol Valentic, vice president of cost containment and medical management with third-party administrator Broadspire, said her company's approach to that issue is to send a letter to providers, through the company's pharmacy benefit administrator, alerting them to the fact that compounds are not FDA-approved and could be dangerous.
Other roundtable participants said they employ utilization review of every prescribed compound medication. They're finding that the inflation of the average wholesale price for prescriptions that pharmacy benefit managers are battling in the case of single medications is happening with compounds as well, to the surprise of probably no one.
"The cost of compounds is doubling every year," Healthcare Solutions' Andrews said.
Kim Clark, vice president of utilization management with Patriot Care Management Inc., a division of Patriot National, Inc., said Patriot has their own software, DecisionUR, and opioids as well as compound prescriptions can be directed from the PBM to Utilization Review.
In the area of new worries in workers' compensation, and there are plenty of them, Dragoun also pointed to the introduction of extremely high cost, albeit extremely effective specialty medications, such as those being used to treat Hepatitis C. Treatments in this area can run into the hundreds of thousands of dollars.
Domestic drug manufacturers, pressed to pursue profits as their product lines mature and their margins level off, are jockeying for dominance in this area.
"This seems to be a route that a lot of drug makers are going after. Very narrow markets but with extremely high cost medications," said Deborah Gleason, clinical resources manager, medical programs, with ESIS, the Philadelphia-based third-party administrator that is part of ACE Group.
Tools of the Trade
Given how substantially the use of prescriptions can balloon the cost of a workers' compensation claim and undermine outcomes, a number of tools are in the market that can help risk managers rein in costs.
One is urine drug monitoring, which can catch cases of drug diversion, or instances where an injured worker is ingesting unprescribed substances. But the use of that test can create its own problems, namely overutilization.
Gleason, with ESIS, Inc., and others use urine drug monitoring. But when the test is overused, say by being conducted every month instead of quarterly as is recommended, the members of the Philadelphia roundtable said its costs can outrun its usefulness.
Test results are frequently inconsistent, signaling that the injured workers aren't taking the prescribed medication or are taking something they shouldn't be. Drug testing shouldn't be used in isolation but rather as a component of integrated medical management.
"What's emerging today, and in some companies more prevalently, is the integration of managed care with pharmacy benefit management," roundtable participant Valentic said.
"When we're seeing worsening outcomes and increasing costs, that's the worst possible combination of events."
— Dr. Jennifer Dragoun, Vice President and Chief Medical Officer, AmeriHealth Casualty
In other words, it's not enough to flag a script or pick up a urine drug monitoring test result. There needs to be a plan or a system in place that says what action should be taken with the patient once that information has been received.
Identifying a potential problem early and taking action on it is key, said ESIS' Gleason. She added that the patient's psychological state, including how they react to and perceive pain, is something that more risk practitioners should consider.
Obstacles to assessing someone's psychological or psychosocial state, according to roundtable members, include a lack of awareness or acceptance of its possible advantages on the part of patients and physicians. After all, we're talking about an assessment, a list of questions, that should take no more than 15 minutes to carry out.
If a treating physician or case manager doesn't conduct a psychological test but is still concerned about the potential for pain medication abuse, there is one key question they can ask an injured worker, according to AmeriHealth Casualty's Dragoun.
"There is one question that predicts far more than any other attribute of a patient whether they are likely to abuse narcotics, and that is if they have a personal or family history of substance abuse," Dragoun said.
"You know they may ask that about the patient, but I don't know how many ask it about the family," Patriot Care Management's Kim Clark said.
Pharmacogenetic testing, that is testing an individual for how they might react to certain drugs or combinations of drugs, and not — let's be clear about this — whether they are predisposed to addiction, is also entering the market.
But as is the case with urine drug monitoring, the use of pharmacogenetic testing is no cure-all and the cost of it needs to be carefully managed.
Some vendors are pitching that it be applied to every case in a payer's portfolio. The roundtable participants in Philadelphia agreed that it should be used with far more discretion than that.
Regulating the Regulators
It's a given in the insurance business and in workers' compensation that regulators in all 50 states call the shots. There are few national laws that regulate the hazards faced by workers' compensation risk managers and injured workers.
Having said that, is it really such a pipe dream to think that the federal government could step in and provide leadership in an area that is so prone to confusion, risk and self-serving behavior on the part of some vendors and medical practitioners?
If the Philadelphia roundtable as a group could point to one place where federal regulators could do some good it would be in the area of physician dispensing. Many states have enacted legislation to curb the practice, as there is no data to prove better outcomes, and regulation by the federal government would be of benefit, the Philadelphia roundtable concluded.
Another area would be to require FDA oversight for compounds.
"The minute you need to have FDA approval of a compound, that's going to stop it," Broadspire's Valentic said.
It's a notion worth considering. After all, lives are at stake here.
Given the lack of oversight from the federal government, the roundtable participants pointed to measures in a number of states that are worth emulating. The Texas closed formulary, which limits the range of medications that can be prescribed, is one example.
The requirement in the State of New York that a prescribing physician check a state registry — what's known as a prescription drug monitoring program — to check whether a patient is already taking or has a prescription for a controlled substance, is another good example of a state government stepping in to ensure the safety of its residents.
"The minute you need to have FDA approval of a compound, that's going to stop it."
— Carol Valentic, Vice President of Cost Containment, Medical Management, Broadspire
Pennsylvania also earned praise from the roundtable for recently passing a measure limiting the amount of medication that a physician can dispense to an initial supply.
With different regulations in every state and with the average wholesale cost of prescriptions constantly on the rise, pharmacy benefit management is an art requiring constant vigilance.
"It's not an original thought, but if you stop and think about all the things that are happening in society with the addictions and the costs, the cost of doing nothing is greater than the cost of doing something.
I think that's why everybody is doing something," Healthcare Solutions' Andrews said.
For more information about Healthcare Solutions, please visit www.healthcaresolutions.com.
Opinions of the roundtable participants are the opinions of each individual contributor and are not necessarily reflective of their respective companies.
This article was produced by the R&I Brand Studio, a unit of the advertising department of Risk & Insurance, in collaboration with Healthcare Solutions. The editorial staff of Risk & Insurance had no role in its preparation.


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Insightful and practical, Christ-Centered Therapy unites the wisdom and expertise of pastoral theologian and best-selling author Dr. Neil Anderson and professional Christian counselors Dr. Terry and Julianne Zuehlke. The first part of the book equips you with an understanding of the different issues involved in integrating theology and psychology. The second part helps you turn theory into practical application. Youll also find appendixes that offer personal testimonies, provide professional forms, discuss the role of psychiatry in managed care, and present the Steps to Freedom in Christ.
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Great reference book from time to time. Keep this one on the bookshelf for many different referrals.Published 9 months ago by John Wastlund
Very well written book for professional and lay counselors. This book has forms and step by step methods to establish a Christ-centered practice providing a person already has the... Read morePublished 11 months ago by Gary L. Pyles
This is a book to have in your library for future references a book you can always go back to for informationPublished 18 months ago by Pamela
Very well written and caused me to think differently about how I could better handle a situation especially when it comes to being a peacemaker instead of adding fire to the fuel.Published 20 months ago by Mary A. Airey
This book was for a class. It was easier to read than most that I have had. If your into Christian therapy this is a good book.Published 23 months ago by Tee King


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Silent Night - Music Videos
Embed hiddentalent123 2283 views 2008-03-17T00:00:00 Silent night was originally written for guitar. This video was shot at the manger scene in Valley Alabama. For more information on Lewis Moore and concerts for your church visit www.hiddentalentmusic.com
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All Out releases pro-LGBT Russian Winter Olympics video
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Reader comments
It is a good video but slightly misguided.
In the sense that it focuses on athletes competing in Sochi.
These people are privileged.
The fascist persecution of the gay folk in Russia is infinitely more terrible than the risk to athletes.
Any athlete that attends these games who does not condemn these fascist laws is in fact a collaborator with fascism.
Their ability to win a medal is quite irrelevant compared to the human rights of millions.
Yes, Steve, it's a good video because it has broad appeal and will make 100s of 1000s of people all over the world sit up and take notice, be emotionally moved, and then ask and consider what's going on in Putin's Russia.
Well done, film-makers!
Could you tell me how you define "fascism", please?
one thing we can do in London is attend the peaceful protest (against Putin supporter Gergiev conducting the LSO) outside the Barbican this Thursday 7th Nov, 6-7pm, bring torches, sparklers etc (the plan is to shine light into the darkness of intolerance!)
Click below to share this fantastic video on Twitter!
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Location is just a bit outside the center, but only a 5 min walk. Great and friendly staff. The concierge gave us the perfect suggestions for dinner; one really fancy and a lot real italian "osteria's" with good atphosmere and good food.
Great staff at front desk ( Alessio and Roberta), awesome pool area taken care of meticulously by Niccolo, 10 person rooftop terrace with views. Room was spacious and bath was extra large . On par with 4 Seasons property. Set back away from tourist area but close enough to walk anywhere in 20 mins. Excellent breakfast buffet.
Everything is excellent - starting from the price you get the room,including the large and rich buffet of breakfast, perfect cleanness and wifi internet,nice and friendship personel,the beautiful garden and swimming pool and outstanding consierge!
Dear Guest,
thank you for your wonderful review, it is always a pleasure to receive a comment such as your.
We feel very "lucky" to have a fresh pool in the hart of Florence especially during summers like this.
My staff will be more than happy to serve you in the near future.
Looking forward to welcoming you back
Great hotel only 10 min walk from the city centre. We were upgraded for free to a junior suite, although the room looked inwards and was somewhat dark, it had 2 bathrooms and was so quiet, not having to listen to the local Vespas!! Really comfortable and very clean. Wifi was excellent and free.
We ate at the hotel and...
This hotel has everything! The room was large and luxurious. The room service was excellent. The restaurant is very good. The hotel is conveniently located near historic sites. You won't go wrong using this hotel.
We stayed at the Grand Hotel Medici for two nights as part of a road trip around Europe. We stayed in room 423 with a large balcony. Nice room but balcony needed better furniture to make use of it and the walls restrict the view.
Good points about the hotel:
Staff very friendly and helpful ( we did not find...
Dear Guest,
I would like to thank you very much for your feedback about your recent stay at our Hotel.
I am pleased that your enjoyed our services and I am very sorry that you were not particularly happy with our dinner.
You have been most kind to extend compliment to our Maitre'D that I am certain if he had...
Sometimes, when you see glowing reviews on this type of social media, you always wonder how genuine it is...
In this case, I can genuinely say that the dinner which we had here was very, very special..!
The advice was excellent, and the quality of the food was superb.
Add into that the fantastic service from very pleasant staff, and...
Dear Guest,
I am particularly touched and grateful for your kind and motivating words.
You really made myself and my Staff very happy and proud.
I am looking forward to welcoming you back to the Grand Hotel Villa Medici in the near future.
Thanks again.
Gaetano Torino
General Manager
Grand Hotel Villa Medici - The Leading Hotel of the...
I really did not connect with this hotel.
It claims to be five stars but the staff is way too distant for that. I felt a bit like an intruder. Maybe this sounds strange, but as an experienced traveller I expect a hotel with this rating to be more welcoming.
Room was not that special.
And again: old fashioned keys...
Dear Guest,
I would like first of all to thank you for your comment and I am sorry to did not have the chance to meet you personally, where I am certain that I could have proven that myself and my entire team love our Clients.
I have carefully thought about your comment concerning our ''old fashioned keys'';
we really...
The hotel and staff were incredibly impressive. Room was somewhat small, all things considered. Didn't utilize it but the pool looked amazing. Restaurant was visually appealing but the menu lacked choices I'd really enjoy so we didn't eat there. Would definitely return again.
The staff was extremely helpful and the location was great, the rooms were nicely appointed and the A/C was FANTASTIC meaning it worked....
The breakfast buffet was average on a good day and apparently eggs should be served watery and cold.....YIKES


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This property allows you to book online with a credit card. After submitting a reservation request, the owner or manager has 24 hours to accept, at which time your card will be charged and you will receive an email confirmation
Recent Sylva reviews
"Absolutely recommend booking this cabin. Our week stay was perfect. Very easy access, private, covered carport, clean and wifi."Guest: D D. Date of Stay: July 2015 Review Submitted: July 13, 2015View listing
"We had a wonderful stay. The cabin is centrally located Cherokee, Dillsboro, Bryson City, and Maggie Valley. Which meant we did not spend all day on the road to go do things. The cabin is well equipped with linens,wood for the fire place and the little things that you might forget. It was just what my husband and I needed. Thank you for sharing your cabin with us. We plan on returning."Guest: Serena G. Date of Stay: November 2014 Review Submitted: November 7, 2014View listing
"Quiet, peaceful but you can hear the creek running. The home was extremely clean and well equipped. There are 4 full sized bedrooms, we had a party of 7 and there were 4 queen size beds. We loved the large rocking chairs on the covered porch. The fireplace in the living-room was great. Our children enjoyed catching frogs at the ponds. Our group stayed for a week and we will book again next year."Guest: Freddy Date of Stay: August 2014 Review Submitted: October 15, 2014View listing
"We rented this cabin to attend open house at nearby Western Carolina University. The cabin was a short 20 minutes from campus. After a busy day of touring the campus, we were able to relax on the porches and/or sit on a stump in the middle of the island in the river below. The view, complete with sound effects, was amazing and was enjoyed by the whole family. My husband, who is usually ready to leave before we ever reach our destination, didn't want to leave! The owner was quick to respond to inquiries and the manager with very helpful as well. Our family looks forward to renting this cabin again over the next 4 years."Guest: Jadeham Date of Stay: March 2015 Review Submitted: March 31, 2015View listing
Featured Destinations: Dewey Beach, Deep Creek Lake Rentals, Bryson City Cabin Rentals, Wailea Beach Villas


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Luol Deng says he'd love to play his whole career in Chicago
Nov 7, 2013, 12:33 AM EDT
Luol Deng is a two-time All-Star member of the Chicago Bulls, and an important part of what the team does on both ends of the floor on a nightly basis.
But he's in the final year of his contract, and the Bulls have been unwilling to discuss an extension to this point, meaning that Deng is playing in a contract year and could be gone once the season is over as he becomes an unrestricted free agent.
We've heard throughout the process that Deng would prefer to remain in Chicago, and he reiterated those comments before Wednesday night's game against the Pacers.
From ESPN Chicago:
"I definitely want to stay here," Deng said Wednesday at the morning shootaround before the Bulls' game at Indiana. "I would love to play here my whole career."
Despite his desire, Deng understands he may not get his wish. With the Bulls refusing to discuss an extension with Deng this summer, the small forward will become a free agent in 2014. …
"I've seen players in the past who wanted to stay with their team and it didn't work out," said Deng, who has played only for the Bulls since being drafted by Phoenix and traded to Chicago on a draft-night deal in 2004. "At the end of the day, I can't control that."
What Deng is saying is only true to a certain extent, but the sentiment is understandable.
If he were to agree to stay in Chicago for a contract less than what he could earn elsewhere on the open market, there's a pretty solid chance that the organization would welcome him back with open arms.
But if Deng is seeking another payday in the neighborhood of the max deal he may be able to receive by signing elsewhere, then he's right — the chances of staying with the Bulls at that point begin to diminish fairly rapidly.
Deng could choose to sign a long-term contract below market value to stay in Chicago if that's truly what he wanted to do. But money talks, as do players' actions, so we'll see just how true these comments ring when Deng becomes a free agent at the end of the season.
- fballlvr22 - Nov 7, 2013 at 12:58 AM
As a Bulls fan, I love Luol. But if he wants a max contract, he's going to be the odd man out. It's time for the Bulls to make a move. Whether it's Lu leaving of amnestying Boozer. This roster is not going to get it done.
- coolj23 - Nov 7, 2013 at 1:15 AM
I luv my bulls, but what you said is so true. This roster with good defense and no offensive fire power just can't get it done.(SEE BEARS!!!)
- blueintown - Nov 7, 2013 at 7:29 AM
Not to go all profootballtalk on probasketballtalk, but did you really just describe the Bears as having a good defense and no offense?
- chitownmatt - Nov 7, 2013 at 1:37 PM
I think he was talking, "historically".
- legend30 - Nov 7, 2013 at 1:21 AM
The Bulls have two options: trade Deng for a secondary scorer, or stick with this team for one more year. By judging by their body-language, I feel like the players are bored. Thibs approaches the same thing every year — defense. Thibs keeps mentioning the importance of defense, but when they are getting the same results every year, it become very frustrating for the players. Thibs is a tremendous coach, but let's face it he losses his voice every game, he needs to relax a little and have some fun. There's 82 games, but Thibs treat each of those games the same. Lighten up a little, even Popovich has some fun once a while. Relax, Thibs.
- belleby123 - Nov 7, 2013 at 2:23 PM
He learned from Doc Rivers, who loses his voice every game too.
- saint1997 - Nov 7, 2013 at 7:05 AM
Bulls still have holes to me but I can see them very close to filling them. With Booz and Deng gone they'd have great cap room to sign a sweet shooting 2 or 3 as well as Gibson and the European stud Mirotic sharing minutes next to Noah
- Kevin S. - Nov 7, 2013 at 8:41 AM
Hey Luol, if you take less money to stay in Chicago, do yourself a favor and make damn sure it comes with a no-trade clause. Players who take sub-market contracts find themselves as really valuable trade pieces starting December 15.
- belleby123 - Nov 7, 2013 at 2:25 PM
There is no reason to let Deng go. If Jimmy Butler keeps improving and Tony Snell comes into his own the Bulls will be sitting pretty. Now they just need to start winning this year.
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Ahead of the start of the third Ashes Test between England and Australia at Edgbaston, here is a look at the past five meetings between the two sides in Birmingham.
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The teenage Toro Rosso driver, who is not yet old enough to take to the roads unattended in his native Belgium, narrowly missed out on a spot on the podium in a chaotic Hungarian GP, which was won by Ferrari's Sebastian Vettel.
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The National's Sport cover for the Monday, July 27 issue, featuring Sebastian Vettel as he took his second victory this season at the Hungarian Grand Prix.
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Chris Froome pedals onto The National Sport front page on Sunday, July 26 after all but securing his second Tour de France title.
Saturday cover: Real Madrid deliver a lesson to Manchester City
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