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Automation and Controls Channel
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This week Morrissey Goodale tracked two domestic deals and five international deals. This most recent activity brings the total year-to-date deal count in the United States to 83, down 6% from the 88 domestic deals tracked... » more
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With the vast amount of power analysis design tools available today, electrical engineers can be overwhelmed when choosing the right tool to use. Learning these tools and knowing when to use them can help an engineer be more... » more
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New and proposed fan-efficiency provisions in commercial energy codes and standards are fostering cost-effective energy savings in HVAC systems. » more
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Jagadeesh, Salim Kumar stay away from AMMA's general bodyKochi: Amid the controversies over some actors' stance on the recently held Kerala state assembly polls, the annual general body of the Association of Malayalam Movie Artists (AMMA) was held here on Sunday. Actors Jagadeesh and Salim Kumar who ... Manorama Online, 2 hours ago
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Nursing student ragging case: Kerala Congress leader discusses issue with Siddaramaiah
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The Nominees:
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Phil Jones Societies' CEO with Portrait Professional representative.
<< Back to The 2011 Society Photographic Trade Awards
The Societies of Photographers Convention and Trade Show at The Hilton London Metropole Hotel ...
You have 194 days until The Societies of Photographers Convention starting on Wednesday 11th January 2017
Convention testimonials I just wanted to say thank you for once again hosting an excellent Convention. I felt it was very well organised, well executed and gave everyone many, many opportunities. We certainly had the best one yet and now look forward to a new venue and pastures new. Please pass on my thanks to all involved. Derek Poulston One Vision Imaging Ltd.


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2014 Power Broker: Under 40
Young Talent Pushing Forward
Many insurance professionals say they "fell into" the industry. Our Power Broker® winners and finalists under age 40 are no different, crediting their introduction to the business largely to family members who got them an "in." Their experiences entering and working their way up through the ranks demonstrate both the strengths and weaknesses of the industry, and paint a picture of what the future may hold.
2014 Under-40 rankings sponsored by:
Denton Christner, 36, a Power Broker® in the Gaming and Hospitality category, started working as a file clerk in his father's Allstate agency as a high school student. He stayed with Allstate through college and eventually became an agent at the age of 21.
After agency consolidation left him and other brokers with smaller books looking for other options, he took a tip from another family member and went the independent route, joining BayRisk Insurance Brokers at 24.
Eleven years later, Christner is vice president and has helped BayRisk build its biggest new business source: a program for food truck insurance. Taking advantage of social media and online marketing, he has used the Internet as a primary sales driver, bringing InsureMyFoodTruck.com to the top of search engine results lists.
"Trying to sell commercial insurance to business owners who are oftentimes 10, 20 or 30 years my senior was very difficult. That was a big obstacle as a young agent, trying to prove my professionalism."
— Denton Christner, vice president, Bay Risk Insurance Brokers
"It was an amazing experience; totally life-changing," Christner said. "I pretty much ate, slept and breathed food trucks for 18 months getting it launched."
Lindsay Roos, 30, and a Power Broker® in the Pharmaceutical category, secured an internship with Marsh as a college junior with the help of a family member. In fact, internships and early training programs are a common thread among our young success stories.
"I interned in our Morristown, N.J., office for two years," said Roos, a vice president and excess casualty placement broker at Bowring Marsh. "It was my first real work experience, and I really liked the work and the company. Most importantly, I really liked the people." Marsh hired Roos into a graduate training program that gave her a well-rounded and formalized immersion in the industry alongside her peers.
Kate Simons, a 28-year-old Power Broker® finalist in the Retail category, took a summer internship with Aon as a college student "without really knowing what it was at first." But the program drew her in, opening up the world of learning opportunities that the insurance industry has to offer.
"In this job, the thing I like is that you ultimately get to learn about all the industries your clients are in, whether it's retail, real estate, manufacturing, food, and the list goes on and on," she said.
Like Roos, Simons participated in an early career development program at the company. The 18-month training helped her home in on what aspects of insurance most appealed to her and exposed her to key mentors, leading her to her current position as senior broker.
"I also felt that the industry had a really good focus on developing young talent and investing in the future," Simons said.
Attracting Graduates
Indeed, internships and intensive training programs continue to be key tools in bringing new grads into the fold.
Big brokers like Aon, Marsh and Beecher Carlson reach out to colleges to find prospective talent and introduce them to the industry. If all goes according to plan, those interns become full-time hires.
A year or two of initial training for new employees gets their feet wet in every aspect of the business. Those onboarding programs help young brokers find what niche appeals to them, and in what function they can excel.
For many, that process helps young professionals move on from simply "falling into" insurance to really embracing it as a rewarding and exciting career.
As evidence of these programs' successes, notice that this year's "Under 40" class of winners and finalists includes 60 brokers, as opposed to last year's 40. More young brokers are thriving in the business.
"The best experience comes from clinging onto some good people who are willing to teach you."
— Lindsay Roos, vice president, Bowring Marsh
Yet, for an industry that invests considerable time and resources in developing new talent, the concern remains that not enough young people realize the benefits of working in insurance. In spite of a wealth of opportunity, the influx of new grads remains troublingly low.
"There are not enough young people getting into insurance, unfortunately," Christner said. "It takes a lot of convincing and hand-holding and mentorship to get new producers settled into their career."
Roos echoed that thought, noting that most college students aren't necessarily looking for a professional career in insurance, but end up there via a tangential skill or interest.
That's how a career in insurance brokering developed for Blythe O'Brien Hogan, a director in the Global Fine Arts Practice at Aon. O'Brien Hogan majored in art history as an undergraduate, then pursued a master's degree in art business at Sotheby's Institute of Art in London. That got her interested in art protection, both for personal collections as well as in transit or on display in a gallery or museum. She eventually wrote her master's thesis on the development of insurance and risk management for fine art.
"From there I segued into the very dynamic, but a little bit niche, risk management insurance industry for fine art collections," she said.
Aon's Global Fine Arts Practice, launched in 2005, allowed O'Brien Hogan, a Power Broker® in the Fine Arts category, to work more closely with all players in the art industry, from handlers, shippers, storage facilities, and conservators to appraisers and tax attorneys.
Growing Pains
Despite being given opportunities and responsibilities early in their careers, many young brokers have had to overcome ageism in order to move ahead.
"Trying to sell commercial insurance to business owners who are oftentimes 10, 20 or 30 years my senior was very difficult," Christner said. "That was a big obstacle as a young agent, trying to prove my professionalism."
"It is challenging at times to get people to look past your age," Simons said. "Being younger and still successful; sometimes, people tend to look for a little gray hair."
Ultimately, though, a sound working knowledge of clients' industries wins out, gaining their trust and building a positive reputation.
Seth Cohen, 30, and an Entertainment Power Broker®, worked around the challenges of youth and inexperience by focusing on educational opportunities and industry training.
"I realized I could really accelerate my experience beyond my years," said Cohen, an entertainment area vice president with Arthur J. Gallagher. "I got my ARM and CPCU as quickly as I could. I took a UCLA filmmaking and production course that was very intensive. I continue to attend media law conferences. Staying on top of current affairs helps to stay ahead of your inexperience."
A little persistence never hurt either.
"Hard work and perseverance, being creative and asking questions has been the way to work through all that," Simons said.
Younger brokers also have the advantage of greater familiarity with changing technologies, which shape industry best practices in a number of ways. Social media and online marketing are becoming increasingly common and important ways to reach clients, as Christner proved with the success of his food truck program. Sophisticated data analysis and modeling are now equally invaluable items in the broker's toolbox.
"The younger generation probably embraces it more and adapts better," Simons said. "They have more innovative thoughts as far as asking, 'What else can I do with this technology and data to look at things a different way?' "
Tips for Success
So what can entry-level brokers learn from our Under 40 winners and finalists? First and foremost: Pounce on every new venture.
"I would say take advantage of every single opportunity, meaning every chance to be involved with other professionals [in the industry]," O'Brien Hogan said.
Simons echoed that advice. "Jump on every opportunity, and there are many in the industry, but you have to make the most of them," she said. "Work hard. Be confident."
And that uncle, sister or cousin with experience in the field? Tap into their knowledge base, and pick mentors' brains as often as possible.
"The best experience comes from clinging onto some good people who are willing to teach you," Roos said.
Finally, the best brokers — no matter what their age — always have an in-depth knowledge of their customers' industries. Specializing in areas of interest helps develop expertise that clients covet.
"Knowing the industry is key," O'Brien Hogan said. "From all different angles — not just insurance, but all the little components that go into risk management."
While challenges remain for the industry's stability and growth potential, the growing number of Under 40 Power Broker® winners and finalists offers hope that the industry will remain dynamic for the future.
Listing of Power Broker Winners and Finalists Under 40:
2014 Power Broker
Driving Success for GM
Al Gier, GM's director of Global Risk Management & Insurance, felt so strongly about Elisa Black's work in 2013 that he nominated her personally as a Power Broker®. That's quite an endorsement. In fact, Gier and Frida Berry, GM's manager of Liability Risk Financing, agree that not only did Black manage that critical global juggling act, but she did it with her professional, focused style.
"Elisa was instrumental in helping reduce collateral requirements and improving the efficiency of the global claims handling process," Gier said. "Her client philosophy focuses on being prepared and setting the marketing standard at the forefront of the negotiation."
Gier explained that any broker can negotiate with a carrier post-quote. More impressive is doing the legwork so you come to the table prepared to negotiate ahead of time, a Black trademark. Also, for a large global enterprise, he said, timing is everything. So finalizing financial negotiations early allows the time to fulfill the administrative and contractual obligations of an insured — the lifeline of most international programs.
Gier said Black is great at articulating obligations and time constraints.
Bermuda Excess Market Wizardry
With the automotive market continuing to recover, the Bermuda excess market is looking to boost premiums come renewal time. To help alleviate that pricing stress, Chris Heinicke and his Aon team do their best to negotiate with markets to keep premiums from climbing.
In 2013, Heinicke faced a specific challenge for a client that was in the midst of a claims issue with one market that had a sizable amount of capacity on the excess casualty program. The issue was on a completely separate line of business, but was enough of a problem that the client had made the decision to cut this market from all of their lines of business. That decision was made after the entire program had already been quoted at the expiring premium and there was little to no capacity left in Bermuda. Heinicke and his team worked quickly by increasing capacity with the only market in Bermuda that had something available, and then worked with the U.S. and London teams to get the terms, pricing and capacity needed to replace the market. In the end, the client was pleased with the results and impressed at the quick response.
"Chris' knowledge of the Bermuda markets helped us structure a program with the broadest coverage," said the liability risk financing manager from another large automaker. "We have a very good risk profile, and Chris ensures we aren't being charged improperly."
A risk manager from a third automaker credited Heinicke with doing a "fantastic job" in helping the company identify critical areas the Bermuda markets focus on, as well as what is needed to communicate those key areas to underwriters.
Marshalling the Marsh Resources
In this case, the product over-shipment would create a much larger balance sheet exposure than the client would normally face. Also, the client's treasury department wanted to use the large shipment to enhance cash flow as well as its borrowing base. Kowalski found a solution involving both private insurance and governmental support to manuscript a program that not only provided vital risk mitigation, but also enhanced this client's cash flow management needs.
To make things happen, Kowalski often collaborates with Marsh brokerage teams on a global scale — from Detroit, New York, and Chicago to Bermuda, London, Zurich and various offices throughout Asia. Along the way, he has successfully placed complex risk finance programs involving more than 73 global markets and billions of dollars of capacity for a single line of coverage.
"Michael is our client executive and we have worked together for a number of years," said Al Gier, director, Global Risk Management & Insurance at General Motors. "He has the skills we like to see in a broker — mainly, responsiveness and delivering the proper resources quickly."
Sponsored: Liberty Mutual Insurance
Commercial Auto Warning: Emerging Frequency and Severity Trends Threaten Policyholders
The slow but steady climb out of the Great Recession means businesses can finally transition out of survival mode and set their sights on growth and expansion.
The construction, retail and energy sectors in particular are enjoying an influx of business — but getting back on their feet doesn't come free of challenges.
Increasingly, expensive commercial auto losses hamper the upward trend. From 2012 to 2015, auto loss costs increased a cumulative 20 percent, according to the Insurance Services Office.
"Since the recession ended, commercial auto losses have challenged businesses trying to grow," said David Blessing, SVP and Chief Underwriting Officer for National Insurance Casualty at Liberty Mutual Insurance. "As the economy improves and businesses expand, it means there are more vehicles on the road covering more miles. That is pushing up the frequency of auto accidents."
For companies with transportation exposure, costly auto losses can hinder continued growth. Buyers who partner closely with their insurance brokers and carriers to understand these risks – and the consultative support and tools available to manage them – are better positioned to protect their employees, fleets, and businesses.
Liberty Mutual's David Blessing discusses key challenges in the commercial auto market.
"Since the recession ended, commercial auto losses have challenged businesses trying to grow. As the economy improves and businesses expand, it means there are more vehicles on the road covering more miles. That is pushing up the frequency of auto accidents."
–David Blessing, SVP and Chief Underwriting Officer for National Insurance Casualty, Liberty Mutual Insurance
More Accidents, More Dollars
Rising claims costs typically stem from either increased frequency or severity — but in the case of commercial auto, it's both. This presents risk managers with the unique challenge of blunting a double-edged sword.
Cumulative miles driven in February, 2016, were up 5.6 percent compared to February, 2015, Blessing said. Unfortunately, inexperienced drivers are at the helm for a good portion of those miles.
A severe shortage of experienced commercial drivers — nearing 50,000 by the end of 2015, according to the American Trucking Association — means a limited pool to choose from. Drivers completing unfamiliar routes or lacking practice behind the wheel translate into more accidents, but companies facing intense competition for experienced drivers with good driving records may be tempted to let risk management best practices slip, like proper driver screening and training.
Distracted driving, whether it's as a result of using a phone, eating, or reading directions, is another factor contributing to the number of accidents on the road. Recent findings from the National Safety Council indicate that as much as 27% of crashes involved drivers talking or texting on cell phones.
The factors driving increased frequency in the commercial auto market.
In addition to increased frequency, a variety of other factors are driving up claim severity, resulting in higher payments for both bodily injury and property damage.
Treating those injured in a commercial auto accident is more expensive than ever as medical costs rise at a faster rate than the overall Consumer Price Index.
"Medical inflation continues to go up by about three percent, whereas the core CPI is closer to two percent," Blessing said.
Changing physical medicine fee schedules in some states also drive up commercial auto claim costs. California, for example, increased the cost of physical medicine by 38 percent over the past two years and will increase it by a total of 64 percent by the end of 2017.
And then there is the cost of repairing and replacing damaged vehicles.
"There are a lot of new vehicles on the road, and those cost more to repair and replace," Blessing said. "In the last few years, heavy truck sales have increased at double digit rates — 15 percent in 2014, followed by an additional 11 percent in 2015."
The impact is seen in the industry-wide combined ratio for commercial auto coverage, which per Conning, increased from 103 in 2014 to 105 for 2015, and is forecast to grow to nearly 110 by 2018.
None of these trends show signs of slowing or reversing, especially as the advent of driverless technology introduces its own risks and makes new vehicles all the more valuable. Now is the time to reign in auto exposure, before the cost of claims balloons even further.
The factors driving up commercial auto claims severity.
Data Opens Window to Driver Behavior
To better manage the total cost of commercial auto insurance, Blessing believes risk management should focus on the driver, not just the vehicle. In this journey, fleet telematics data plays a key role, unlocking insight on the driver behavior that contributes to accidents.
"Roughly half of large fleets have telematics built into their trucks," Blessing said. "Traditionally, they are used to improve business performance by managing maintenance and routing to better control fuel costs. But we see opportunity there to improve driver performance, and so do risk managers."
Liberty Mutual's Managing Vital Driver Performance tool helps clients parse through data provided by telematics vendors and apply it toward cultivating safer driving habits.
"Risk managers can get overwhelmed with all of the data coming out of telematics. They may not know how to set the right parameters, or they get too many alerts from the provider," Blessing said.
"We can help take that data and turn it into a concrete plan of action the customer can use to build a better risk management program by monitoring driver behavior, identifying the root causes of poor driving performance and developing training and other approaches to improve performance."
Actions risk managers can take to better manage commercial auto frequency and severity trends.
Rather than focusing on the vehicle, the Managing Vital Driver Performance tool focuses on the driver, looking for indicators of aggressive driving that may lead to accidents, such as speeding, sharp turns and hard or sudden braking.
The tool helps a risk manager see if drivers consistently exhibit any of these behaviors, and take actions to improve driving performance before an accident happens. Liberty's risk control consultants can also interview drivers to drill deeper into the data and find out what causes those behaviors in the first place.
Sometimes patterns of unsafe driving reveal issues at the management level.
"Our behavior-based program is also for supervisors and managers, not just drivers," Blessing said. "This is where we help them set the tone and expectations with their drivers."
For example, if data analysis and interviews reveal that fatigue factors into poor driving performance, management can identify ways to address that fatigue, including changing assigned work levels and requirements. Are drivers expected to make too many deliveries in a single shift, or are they required to interact with dispatch while driving?
"Management support of safety is so important, and work levels and expectations should be realistic," Blessing said.
A Consultative Approach
In addition to its Managing Vital Driver Performance tool, Liberty's team of risk control consultants helps commercial auto policyholders establish screening criteria for new drivers, creating a "driver scorecard" to reflect a potential new hire's driving record, any Motor Vehicle Reports, years of experience, and familiarity with the type of vehicle that a company uses.
"Our whole approach is consultative," Blessing said. "We probe and listen and try to understand a client's strengths and challenges, and then make recommendations to help them establish the best practices they need."
"With our approach and tools, we do something no one else in the industry does, which is perform the root cause analysis to help prevent accidents, better protecting a commercial auto policyholder's employees and bottom line."
To learn more, visit https://business.libertymutualgroup.com/business-insurance/coverages/commercial-auto-insurance-policy.
This article was produced by the R&I Brand Studio, a unit of the advertising department of Risk & Insurance, in collaboration with Liberty Mutual Insurance. The editorial staff of Risk & Insurance had no role in its preparation.


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Kovy27 wrote:I am awesome.
Merry Christmas everyone!
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Kovy27 wrote:I am awesome.
Kicksave wrote:NHR
Burnaby_Joe wrote:
That's a $2k worth of guitar right there.................
I got lucky last Christmas with a sweet Ibanez (electric though) I was eyeing for some time.
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Poetry is traditionally characterized by the use of a more elevated, literary language intended to evoke emotion in the reader. Words like beseech or Rhadamanthine suggest a strongly poetic tone — but do you also know what they mean? See whether you can match the literary words with their correct definitions in the quiz below.
This Sunday we celebrate Mother's Day, also known as Mothering Sunday, in the UK: that day of the year on which mothers are particularly honoured by their children. In North America and South Africa, Mother's Day is on the second Sunday in May instead. According to A Dictionary of English Folklore, Mother's Day as we […]
Scotland is observing St Andrew's Day today — the feast day of their patron saint. Let's celebrate with them by testing our knowledge of the Scottish tongue:
Habitus, balayage, Wissenschaft: do you know what these words mean? Test your knowledge with our September Word of the Day quiz. Not yet signed up to our free Word of the Day service? Click here to receive your daily word.
Cakeage, Mx, bants – you've (hopefully) heard about the new words we've just added to OxfordDictionaries.com, but do you also know what they mean? Take this quick quiz to see if you can match the word with the correct definition.
Cajole, camarilla, and parergon: do you remember last month's Words of the Day? Take our vocabulary quiz to test your knowledge. Not yet signed up to our free Word of the Day service? Click here to receive your daily word.
Have you paid attention to April's Words of the Day? Take the quiz to find out if you can match the words with the correct definitions. Not yet signed up to our free Word of the Day service? Click here to receive your daily word.
False friends ('faux amis') are words in one language which look the same as words in another. We therefore think that their meanings are the same, and get a shock when we find they are not. Generations of French students have believed that demander means 'demand' (whereas it means 'ask') or librairie means 'library' (instead […]
What's the difference between an acronym and an initialism? oxford.ly/1zoqX0F pic.twitter.com/uuIFE4e9f5
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Afghan people trust India more than Pakistan, says G Parthasarthy
"PM Modi under his 'Act East' policy, has sought to progressively integrate the Indian economy with those of India's eastern neighbors," said Parthasarthy.
Chicago University teams up with Tata Trusts to launch Delhi centre
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PFRDA invite applications for NPS Trust CEO post
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AMU Teachers Association opposes move to transfer university land to private trust
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Trupti Desai defies dress code to take darshan at Mahalaxmi temple
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Trust in Pakistan in fighting terror "completely shaken": Rajnath Singh
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Trupti Desai asked to wear a saree if she wants to enter temple
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After Bombay High Court order, Trupti Desai heads to Shingnapur
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Trupti Desai vows to take gender equality fight to other temples
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Pranab Mukherjee visit: China wants enhanced mutual trust with India
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Exemption from Dividend Distribution Tax will improve potential returns for investors, make Infrastructure Investment Trusts attractive
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Trimbakeshwar Temple row: Activist Trupti Desai detained by police
Activist Trupti Desai detained by police after she attempted to enter the Trimbakeshwar Temple in Nashik
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China's Defense Ministry spokesman expressed "strong dissatisfaction" and "firm opposition" to Pentagon report and said it has "severely damaged mutual trust".
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Attack on students: African diplomats repose trust in Narendra Modi government after assurance of help & action
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Rajya Sabha sees thin attendance during Uttarakhand trust vote
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Lord Meghnad Desai bats for abolishing Income Tax
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Trust deficit must be removed for better ties with India: Pakistan
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Tax notice to Vodafone will be contrary to PM Narendra Modi's statement: Nishith Desai, Nishith Desai Associates
Nishith Desai, Nishith Desai Associates, says that if the tax notice is enforced then it would run contrary to what PM Modi has been talking about retrospective amendment.
5 members of Kerala's Puttingal temple trust surrender
Five absconding members of the managing committee of the Puttingal Devi temple, where over 100 persons were killed in one of the worst temple tragedies in Kerala, surrendered.
Ulfa faction, farmers body oppose Bodo land transfer to Baba Ramdev's trust
In a statement issue to the media on Monday, Ulfa chairman Dr Abhijit Asom said there was an ulterior motive in Ramdev seeking such a large tract of land.
People with moral values trusted more as partners
Snap judgements about morality tend to be based on a set of absolute moral rules even if a person makes different decisions when given more time.


text:
raiders picks
Round 1: No. 5 overall
Round 2: No. 36 overall
Round 3: No. 67 overall
Round 4: No. 107
Round 7: Nos. 219 , 235 and 247 overall
( T. Charles Erickson )
Review: 'Satchmo' goes behind Louis Armstrong's happy facade
The solo show 'Satchmo' by Terry Teachout depicts jazz legend Louis Armstrong reflecting on his bittersweet life and music; it plays at American Conservatory Theater through Feb. 7
(Photo by Jamie McCarthy/Getty Images)
Daniel Radcliffe sounds open to playing Harry Potter again
Daniel Radcliffe says 'extraordinary' circumstances could lead him to play Harry Potter again.


text:
Competition: Your best Christmas recipes
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Mark Hughes is keen for Stoke City to build on their victory over Chelsea and record back-to-back victories when they face Hull City.
After eight games without a win from September to November Hughes' side have gone on to record two wins in their last four.
Their latest triumph saw them come from behind to beat Jose Mourinho's side 3-2 at the Britannia Stadium thanks to an Oussama Assaidi strike in the final minute.
The three points lifted Stoke into 13th place in the Premier League, and Hughes hopes they can use the momentum when they travel to the KC Stadium on Saturday.
"It was great to win the game against Chelsea," he said. "I don't think many people outside of the club thought that we could
"We had to hang on a little bit in the first half, but during the second half we were the better team and in my opinion we deserved it
"We would like to think that on the back of the Chelsea result, we can go to Hull and get another three points."
Hughes believes the changes he has made at the club are slowly beginning to bear fruit and hopes they will continue to improve.
"There have been games where we have done well, games where we have been ok and others, namely Everton, where we were below par," he added.
"We are moving forward, we are becoming more used to what we are trying to do and I think there are a lot of reasons to be positive."
|A. McGregor
|M. Figueroa
|C. Davies
|A. Bruce
|J. Chester
|T. Huddlestone
|Ahmed El Mohamady
|D. Meyler
|J. Livermore
|Y. Sagbo
|D. Graham
|Coach: S. Bruce
|A. Begović
|R. Shawcross
|M. Wilson
|G. Cameron
|S. Ireland
|G. Whelan
|S. N'Zonzi
|P. Crouch
|M. Arnautović
|O. Assaidi
|Coach: M. Hughes
for A. Bruce 67'
for D. Meyler 78'
for D. Graham 82'
for Muniesa 66'
for G. Whelan 78'
for M. Arnautović 90'
|Beckenbauer would prefer Germany to play Spain, not Italy
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|Aguero: Messi not the only player considering retirement
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|Aguero: This is the worst I have seen Messi
|Messi set to retire from international football
|Sanchez: This is the best thing to happen to me
|Martino: Argentina deserved to beat Chile in final
|Vidal: This Chile generation is to stand
|Sanchez crowned Copa´s best as champions Chile sweep awards
|Argentina 0 Chile 0 (aet, 2-4 on penalties): Defending champs sink Messi and Co. again
|Taylor ready for Belgium test
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|Wilmots: Hazard does his talking with his feet
|Storck enthusiastic about Hungary future
|My best Belgium performance - Hazard
|´It took him long enough!´ - Schweinsteiger hails Boateng´s first Germany goal
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|Di Maria fit for Copa final
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|Euro 2016 Diary: Benteke rap and Nelly the elephant


text:
Written on: 29/04/2014
The bag is looks better than the picture from web. I was ordered the laptop 15", the size is great! not too big or small. If laptop could offer more color is much more better. I'm looking forward to have a lovely color of classic. Kanken design is great! Can't wait any more. Hahahahahaaa
Additional chest strap is great design, but dunno short or long should I get. I was bought the short one, but seems maybe long is better. But the worst is can't find any length info on web. Hope you could add more information for reference. Thanks!
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June 9, 2016
8 sandwich trends to watch
So long, chicken Parm—hello, Cuban sandwich. What consumers want between two slices of bread is changing at a considerable clip, says a new Technomic study on sandwich trends.
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4 out-of-the-box menu items inspired by the state fair
Chain restaurants have taken a cue from carnivals this summer, churning out new iterations of fried-anything fare faster than a tilt-a-whirl. Here's a sampling of the sort of concoctions that may...
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May 12, 2016
Spinning limited-time offers and events into a research opportunity
Thrifty foodservice directors are churning out limited-time offers and events to provide more telling feedback on potential menu items.
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April 20, 2016
Sauces: Flavorful multi-taskers
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The European Commission on Wednesday gave the go-ahead to 3 Ireland's proposed takeover of local rival O2 on the proviso that 3 undertakes certain measures to protect competition in the market.
The €850 million deal, agreed in June 2013, will reduce the number of mobile network operators in Ireland to three from four,
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Vodafone mulls moving HQ after Brexit
Global 5G subscriptions to reach 24m in 2021
Liquid Telecom to buy Neotel for €390m
Telefonica says O2 UK no longer 'for sale'
Tata ordered to pay NTT DoCoMo $1.17bn for India stake
Sawiris eyes Oi investment
Qualcomm shows off 5G prototype
Nextel, Cablevision buy 900-MHz, 2.5-GHz spectrum
Tele2 hires new international chief
NBN confirms departure of chief architect
EU 'misses the point' of 3 Ireland's O2 takeover
Telecoms is still all about the network
European telcos struggling to do the math(s)
Vodafone UK strikes Netflix deal
Competition bodies have 'gone too far' in Europe
Telefonica sells network capacity in Germany
BT's sport strategy pays dividends as consumer business booms
EU delays Telefonica Deutschland/E-Plus decision again


text:
US: Coke confirms Glaceau deal
By just-drinks.com editorial team | 25 May 2007
Coca-Cola Co. has confirmed it will buy vitamin water maker Glaceau in a move that will expand its non-carbonated beverage line.
The soft drinks company confirmed today (25 May), that the US$4.1bn deal has been approved by the boards of both companies.
Speaking today (25 May), Coca-Cola chairman and CEO Neville Isdell said: "Glaceau has built a great business with high-quality growth, as well as a strong pipeline of innovative products and brands. We envision even faster growth for Glaceau as part of Coca-Cola's enhanced range of brands for North American customers and consumers."
Coca-Cola president and COO Mutar Kent added: "It sharpens even further our existing focus on re-establishing sustainable growth in our home market, strengthening our system, and leveraging acquisition opportunities to gain speed and capabilities in key categories.
Glaceau, formally known as Energy Brands, will operate as a separate business unit within Coca-Cola North America, and its top three executives plan to lead the business for a minimum of three years after the deal closes.
Sectors: Soft drinks, Water
Companies: The Coca-Cola Company
Analysis - Coca-Cola Glacéau purchase
Coca-Cola's US$4.1bn acquisition of Glacéau gives the company a presence in the growing enhanced waters sector where, writes Annette Farr, the soft drinks giant will be competing not only with smaller...
US: Coca-Cola premieres seasonal TV advertising
Coca-Cola North America has unveiled a new television advert aimed at family audiences across the US....
UK: More ethical claims targeted at Coca-Cola Co.
The Coca-Cola Co. is bracing itself for a fresh ethical onslaught in the UK next week....
US: Coca-Cola Co. warns against mini-tender
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Gisele Bundchen Goes Naked for Lui Magazine
Gisele Bundchen strips naked on the cover of Lui magazine. The Brazilian supermodel shows off her slim figure, straddling an inflatable red dolphin in a swimming pool to cover her private parts. Tom Brady's wife makes seductive face as she stares at the camera. She only wears a pair of high heels in the photo.
Other photos of Bundchen for the magazine are equally hot. One snap shows her sizzling near the pool while being naked. Another photo shows her going topless while watering the plants, wearing a gold bikini bottom and red heels only.
Rihanna previously showed off her nipple rings for the magazine. The "Diamonds" singer was photographed lounging on a chair, wearing only a bikini bottom and a hat. Back then, she uploaded the racy snap on Instagram, but she was forced to remove it by the photo-sharing site for violating their rules against nudity.
In other news, Bundchen was recently named the face of Chanel No. 5. She follows the step of other stars who previously served as the perfume's ambassadors, such as Nicole Kidman, Kate Moss and Brad Pitt. According to WWD, Bundchen already filmed an ad campaign for the brand which was shot by "Moulin Rouge!" director Baz Luhrmann.
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- Farrah Abraham Slammed for Posting Photos of Her 7-Year-Old Daughter in Bikinis


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Products/Services for Dog Clutch
Mechanical Clutches - (189 companies)Mechanical clutches are assemblies consisting of elements for the connection and disconnection of shafts (clutch) in equipment drives. Image Credit: Mach III Clutch, Inc. | Baldor Electric Company | Berg W.M., Inc. Mechanical clutches are equipment...Show More
Hydraulic Pumps - (670 companies)Hydraulic pumps deliver high-pressure fluid flow to the pump outlet. Hydraulic pumps are powered by mechanical energy sources to pressurize fluid.Show More
Balls and Sphere Shapes - (210 companies)Balls and sphere shapes are used in products that require a spherical component. Examples include bearings, ball screws, valves, flow meters, and gages. Balls and sphere shapes are made from materials such as glass, metals, plastics, and ceramics.Show More
Mechanical Brake and Clutch Assemblies - (49 companies)Mechanical brake and clutch assemblies consist of elements for both the connection and disconnection of shafts (clutch) and for the slowing or stopping of shafts (brake) in equipment drives. Mechanical brake and clutch assemblies are drive...Show More
Electric Brake and Clutch Assemblies - (104 companies)Electric brake and clutch assemblies consist of elements for both the connection and disconnection of shafts (clutch) and for the slowing or stopping of shafts (brake) in equipment drives. Image Credit: Baldor Electric Company | Island Components...Show More
Pneumatic Brake and Clutch Assemblies - (54 companies)Pneumatic brake and clutch assemblies consist of elements for both the connection and disconnection of shafts (clutch) and for the slowing or stopping of shafts (brake) in equipment drives. Pneumatic Brake and Clutch Assemblies Information...Show More
Hydraulic Brake and Clutch Assemblies - (39 companies)Hydraulic brake and clutch assemblies consists of elements for both the connection and disconnection of shafts (clutch) and for the slowing or stopping of shafts (brake) in equipment drives. Hydraulic brake and clutch assemblies are equipment drive...Show More
Brake and Clutch Repair Services (industrial) - (16 companies)Industrial brake and clutch repair services strip and reline friction material pads and lines on brakes, clutches and other non-automotive power transmission equipment. Some services will fabricate or manufacture friction liners, brake pads...Show More
Variable Transmissions - (99 companies)Variable transmissions are used in industrial applications to alter the speed of an output shaft.Show More
Wrenches - (395 companies)There are a variety of types of wrenches including: Adjustable wrenches. Box wrenches. Chain wrenches. Combination wrenches. Crowfoot wrenches. Dog bone wrenches. Flare-nut wrenches. Key wrenches. Lock wrenches. Lug wrenches. Single end wrenches...Show More
Product News
Ogura Industrial Corp.
Low Cost Thin Profile Electromagnetic Micro Clutch MIC-T series clutches from Ogura offer customers significant size, weight and cost savings over the previous series of MIC clutches. In some cases, depending upon volume, cost can be half of previous versions allowing significant savings for customers producing consumer and business printers and copy machines. The new clutches are available with either a customer specified gear or a dog hub output which allows customers to purchase one clutch and then incorporate a number of different gears... (read more)Browse Electric Clutches Datasheets for Ogura Industrial Corp.
Andantex USA, Inc.
Z-Series Spiral Bevel Gearboxes without providing the pumps,heat exchangers and reservoirs normally required to operate a high-speed right-angle gearbox.Model types: Z-Spiral Bevel Gearbox,ZT-Spiral Bevel Gearbox with Pinion on Through Shaft,ZR-Spiral Bevel Gearbox with Reinforced Through Shaft,ZD-Spiral Bevel Gearbox with Manual Slide Dog Clutch,ZI-Spiral Bevel Gearbox with Manual Foward,Neutral and Reverse. (read more)Browse Gearboxes and Gearheads Datasheets for Andantex USA, Inc.
Orttech, Inc.
Slipping clutch . They are able to smooth out high torque peaks at start-ups and during operation. This is done when the clutch plates start slipping past each other, for a short period of time, when the desired maximum torque is reached. The torque at which a clutch starts to slip can be varied, within limits, by varying the spring pressure. In this way these friction clutches safeguard gear wheels, shafts and other drive elements from damage and thus guarantee operational reliability for an extended period of time... (read more)Browse Torque Limiters and Slip Clutches Datasheets for Orttech, Inc.
Chain Tail Co., Ltd.
Electromagnetic Particle Clutch and Brake Chain Tail's electromagnetic particle clutch and brake units utilize magnetic particle to transmit torque. This offers the advantages of more streamlined and softer clutch operation and greater effectiveness during engagement of clutch friction surfaces. (read more)Browse Electric Clutches Datasheets for Chain Tail Co., Ltd.
Chain Tail Co., Ltd.
Miniature Electromagnetic Clutch and Brake . Miniature electromagnetic clutch and brake are widely applied for office equipment and automatic machines, such as folders, ATM, copy machines... and so on. (read more)Browse Electric Brake and Clutch Assemblies Datasheets for Chain Tail Co., Ltd.
Chain Tail Co., Ltd.
Electromagnetic Clutch Brake Modules This product is designed by professional engineers with many years of experience, and produced using CNC drilling and finishing machines. We use the finest material available for magnetic components to yield high friction indexes, as well as premium non-asbestos linings to improve response times and extend useful life. (read more)Browse Electric Brake and Clutch Assemblies Datasheets for Chain Tail Co., Ltd.
Island Components Group
Electric Brake and Clutch Assemblies We offer a complete line of electromagnetic clutches, brakes and clutch-brake combinations in both standard and wafer sizes, originally designed for general military applications. These units can be designed for a wide range of input DC voltages, torque, response time, special temperature ranges, radiation, vacuum and life requirements. Contact Island Components Group with your electric brake and clutch assembly specifications. (read more)Browse Electric Brake and Clutch Assemblies Datasheets for Island Components Group
Orttech, Inc.
Hydraulic Clutch, Model 0021 The modern multi-plate clutch for marine, mining and demanding industrial applications. In its company's history of more than hundred years, Ortlinghaus has built an image as a strong partner for the marine industry concerning clutches, brakes and plates, last but not least through its innovations. During the early stage of development of the hydraulically actuated multi-plate clutch series 0021, the requirements of a modern marine clutch had been collected and evaluated. Based... (read more)Browse Hydraulic Clutches Datasheets for Orttech, Inc.
Renold Canada
Sprag Clutch Freewheels A Sprag Clutch is a free-wheel device having an inner race, and an outer race either of which can be the input or output member. The input member can be arranged to drive the output member in a chosen direction and permit the output member to over-run in the same direction. In general, Sprag Clutches are able to transmit greater torques, within given overall dimensions, than other types of free-wheel device. There are 3 basic applications for a sprag clutch: overrunning; indexing; backstopping... (read more)
Electronic Hardware Corporation
SLIP CLUTCH KNOB QPL approved for MS91528 styles. Available sizes: .500, .700, .900, .1.250 and 1.750. Series available: MS91528. Available styles: Round, Pointer, Concentric, Tactile, Spinner and Bar Knobs (read more)Browse Knobs (industrial) Datasheets for Electronic Hardware Corporation
Conduct Research
I was one of the fortunate auto journalists Ford Motor Co. shipped to British Columbia to test the mettle of its 2003 Ford Expedition. The 2H mode gives maximum economy for highway driving. The clutch and drive chain inside the transfer case disengage, saving wear and reducing drag. Integrated...
Show More
The Automotive Transmission Book
3.4 Sliding Gears and Dog Clutches . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
The Automotive Chassis
Patent documents of 1784 give evidence that Watt foresaw the use of a constant mesh gear box, with dog clutches , to improve the traction performance of a steam engine; it is rather difficult to demonstrate how this idea might have influenced the …
… practice hitherto has been to use a main friction clutch incorporated in a forward and reverse gear between the engine and the drawoorks, by which the drive can be interrupted to engage or disengage the various dog clutches The engine runs at …
The ZF Automatic Transmission 9HP48 Transmission System, Design and Mechanical Parts
Against the backdrop of the requirements in terms of installation space and drag torque reduction, the option of utilizing a dog clutch as a shift element also obtained new significance.
Engine and Gearbox Modeling and Simulation for Improving the Shifting Behavior of Powertrains with Manual or Automated Transmission
Manual shifting implies the opening and closing of dog clutches inside the gearboxes by the driver.
The Motor Car
In the 1920s the variety of gearboxes virtually reduced to the cylindrical gears type, with dog clutches or sliding trains, all of them with a friction clutch as a start- up device; in the 1940s the first synchronizers appeared, developed by Mercedes …
Technology for Cylinder Deactivation
Each part of crank shaft has a fixed dog clutch on both ends, over which the sliding dog is placed.
Development of a Dual-Clutch Transmission System for ATVs
Generally, the MT of ATVs and motorcycles combines a sequential shift pattern, in which the gear train can engage only in a specified order, and a dog clutch , which enables the gear train to engage without rotating synchronization, as shown in Fig …
Automotive Transmissions
Examples of important stages in the development of vehicle transmission 1784 Watt stipulates that steam engines require additional ratios for road-going vehicles Watt patents variable-speed gearbox with dog clutch engagement and constant mesh of gearwheels (Figure 1.12) 1821 Griffith …
The axial displacement of the dog clutch is ac- .


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List all words ending with roguish
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How has an organizational shift changed the Leafs prospect camp?
Bobby Cappuccino
July 08 2015 07:11PM
When an organization like the Leafs undergoes a major overhaul from top to bottom, there are big headlines that come with it. The hiring of future management superstar Kyle Dubas. The hiring of one of the best coaches in hockey. Having an exceptional, potentially franchise-altering draft. Trading your best player to change the culture.
The Steve Dangle Podcast - Jul 7, 2015 - Friedgecast
Steve Dangle
July 07 2015 09:27PM
On this episode, Sportsnet's Elliotte Friedman joins the show to discuss all things hockey, fights with Don Cherry, Mike Babcock, and making it in sports media.
A Glimpse at the Offensive Numbers of Travis Dermott
Jon Steitzer
July 07 2015 03:13PM
It's been almost a couple of weeks since the draft, and there is little question that it went remarkably well for the Maple Leafs. From the first round right through to the seventh there wasn't a shortage of players drafted with the potential to be a high end player for Toronto.
Mike Babcock expects Nazem Kadri to be an 'elite player'
Angelo Montilla
July 07 2015 12:50PM
The ball is in Nazem Kadri's court now.
After a disappointing season, the embattled Maple Leafs forward is getting a fresh start after signing a one-year contract with the club over the weekend.
No pressure right, Nazem? Not so fast.
During the Maple Leafs' hockey school for minor players on Monday, head coach Mike Babcock told media he expects Kadri to be an "elite player" next season.
Embracing the Kessel Trade
Jon Steitzer
July 06 2015 12:40PM
I've had the privilege of being too busy over the past few days to have the opportunity to witness the constant outrage over the Kessel trade on twitter and various other places online. Part of me hoped that all the dirt kicking would stop, but childish articles from Steve Simmons seemed to pour more gas on the fire. (Note: Why the hell does anyone still read or care about Simmons?)
Anyways, I thought I'd weigh in with my very simplistic view on why I support the Kessel trade, and believe it had to happen now, and why it's time to move past it. (Fun Fact: You can still like Phil Kessel on the Penguins. I like Malkin, he plays on the Penguins. I hate the team, but he's sure nice. I think I'll do the same with Phil.)


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By Neha Shetty:
The topic popped up in my mind when I recently saw one of my cousins studying for his upcoming SSC boards. He was so tensed that my aunt was awfully worried about him. However, what shocked me more was that he had got into a habit of murmuring his notes while sleeping too. This plight reminded me of a recent film which throws light over the sensitivity of this issue- "3 Idiots." Through a comic genre, the movie gave us two strong characters- "Chatur" and "Rancho"; "Chatur" depicts that group of students who are mugging parrots and "Rancho" depicts those who don't mug up but actually learn things.
One thing that stands in common is that both are manufactured by our education system. Over the years, its standard has deteriorated in such a way that it is generating lots of "Chaturs" and hardly any one like "Rancho". There have been discussions at personal and national level about the importance of education very often. Moreover, the Government has also set up many goals to nurture education at the grass root level.
Getting educated is very crucial, isn't it? But in my cousin's case, was he getting educated? Was he gaining knowledge from his studies? It is pretty doubtful to answer in the affirmative. He was just memorizing as much as possible so that he could reproduce the same in his examinations. This is the case everywhere; our education system is drafted in such a way that students have no choice but to learn things without understanding, for grades. What is the use of gaining such grades? What is the actual productivity out of such study?
Our examination system is all the more irrational. Students study for the entire academic year and they are judged by their performance in the end on the basis of three hours of examination. If he manages to solve all questions correctly, he tops the chart and if he doesn't then he fails badly and becomes a disgrace for all. I ask a simple question; how can we conclude that a person who topped is the most intelligent and the one who failed is a fool? Sometimes, it may so happen that a student is well prepared but something goes wrong in those three hours and he isn't able to give his best. Just because he scored less marks, does it mean he knows nothing?
This unwise mentality has proven to be very fatal. Low grades mean more scolding from parents, teachers, etc. Some parents even resort to flogging their children. But for students, it's not only physical but mental flogging too. An off-shoot of this is the escalating number of students committing suicides due to examination stress.
Is this our road towards creation of an educated India? Then I guess we will be sacrificing many more young lives on the way. I think an urgent heed should be paid to this issue before it becomes even more critical. Education system should be redrafted in such a way that it stops emphasizing only on testing our memory and tries to nurture young minds logically and creatively. There should be a proper blend of academics and creativity also so that both our left and right sides of the brain develop effectively.
Examination system should also be amended drastically. The system should stop pressurizing heads and help students realize that they are for their benefit. Let us make an appeal to our education department so that the forthcoming generations get to see a sensible education system which actually makes them learn and get ready for a better future.
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Examinations not only judge whether you are intelligent or not…they also mean to test whether you r consistent with ur studies or not..which is very essential if u r willing to go for higher studies
Examinations does not build IQ and creativity of an individual which is an essential factor is today's competitive world. I totally agree with the article writer. Our education system arrests thinking…………
Let's suggest the solutions.
Whenever the debate regarding it crops up, grand ideological arguments are made along with unnecessary mud-slinging, and the root cause of the problem is missed.Read More >
I am not against stability and loyalty for one's workplace, however I am against staying on when it is leading nowhere and threatens our own growth.Read More >
A student from IIT Roorkee compiled statistics on the expulsion of 73 students from the institute.Read More >
Devansh has filed a petition in the Delhi High Court in retaliation to his suspension from college premises by Principal Valson Thampu.Read More >
It helps in bringing down cases of abuse and suicide. The very thought that you will not be judged for who you are or who you love is a welcome relief.Read More >


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This business is not BBB accredited.
Lipsky's on the Bay Bar, Motel, & Restaurant
Phone: (920) 866-2277 Fax: (920) 866-2358 View Additional Phone Numbers 6459 Sturgeon Bay Rd, Luxemburg, WI 54217 http://www.lipskysonthebay.com
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Business ManagementMr. Todd Lloyd, Co-owner Ms. Andrea Lloyd, Co-owner
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Motels Resorts Restaurants Bars & Taverns Hotels (except Casino Hotels) and Motels (NAICS: 721110)


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In the end, Peck defeated Owen
Donna Peck pulled ahead of Felicia Owen when all the votes were counted in Tuesday's primary election for the Milwaukee School Board seat representing the southwest side. In returns posted late Tuesday evening, Owen had narrowly outpolled Peck.
Peck, who said she is running for the board because of concern about how Milwaukee Public Schools handles special education, will face David Voeltner in the April 7 election for a four-year term on the board.
Voeltner, a Milwaukee firefighter, drew more than 55% of the vote, according to final returns from the city Election Commission. Peck had 23% and Owen, a college student who was backed by the Milwaukee Teachers' Education Association, had 21%.
Final totals in the other contested primary, for the north side seat currently held by Charlene Hardin, also changed from what was available Tuesday night, but the outcomes didn't change. Annie Woodward and Michael Mathias will be on the April ballot. There were 84 write-in votes cast, presumably mostly for Hardin, but that was only 7% of the total ballots. Hardin was not allowed on the ballot because she did not turn in the minimum number of valid signatures on her nomination papers.
Turnout citywide was very light – 4.3% of registered voters, according to election officials.
- Interest rates dropping July 1 for new federal student loans
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- UW-La Crosse Chancellor staying in Wisconsin
- Another state university system grapples with dividing budget cuts among campuses
- UW Colleges, UW-Parkside pass resolutions of no confidence in UW System leadership
- What happened at UW-Eau Claire on Tuesday?
- UW-Eau Claire student leader calls proposed no-confidence vote 'embarrassingly naive'
- Two Marquette seniors from Milwaukee area land presitgious Fulbright awards
More Education Coverage
Parents, don't wait till summer ends to get your kids ready for school. Use this interactive, printable checklist to prepare.