text:
Arrowood Indemn. Co. v. Assurecare Corp., 2012 WL 4340699 (N.D.Ill., Sept. 19, 2012). http://goo.gl/K8Qe8
United States District Court, N.D. Illinois, Eastern Division.
ARROWOOD INDEMNITY COMPANY, as successor in interest to Landmark, American Insurance Company, and Arrowood Surplus Lines Insurance Company, formerly known as Royal Surplus Lines Insurance Company, Plaintiffs,
ASSURECARE CORPORATION formerly known as Assurecare Risk Retention Group, Defendant.
No. 11 CV 5206.
Sept. 19, 2012.
Bruce M. Engel, Laura Jean Irk, Tressler, Soderstrom, Maloney & Priess, Chicago, IL, for Plaintiffs.
Carey M. Stein, Richard M. Jacobson, Ashman & Stein, Chicago, IL, for Defendant.
ROBERT W. GETTLEMAN, District Judge.
*1 Plaintiffs Arrowood Indemnity Company and Arrowood Surplus Lines Insurance Company (together, "plaintiffs") filed a two-count amended complaint against defendant Assurecare Corporation alleging breach of contract (Count I) and seeking a declaratory judgment for renewed collateralization (Count II). Defendant counterclaimed, alleging breach of contract on plaintiffs' part, as well as claims of conversion and negligence, and seeking a declaratory judgment of their own. Plaintiffs have filed the instant motion for summary judgment on all claims and counterclaims. For the following reasons, the court grants plaintiffs' motions for summary judgment as to Counts I and II, as well as all counterclaims.
In 2002, plaintiffs and defendant entered into a reinsurance treaty ("the treaty") for the period of December 1, 2001, to April 1, 2003. In exchange for a premium, defendant provided 100% quota share reinsurance for plaintiffs' insurance contracts that became effective as of December 1, 2001. Specifically, defendant was responsible for the first $250,000 of plaintiffs' "net liability," as well as a percentage share of "loss adjustment expenses." Under Article II of the treaty, "net liability" is defined as plaintiffs' "gross liability for loss settlement...." Under Article XV of the treaty, "loss adjustment expenses" are defined as "expenses assignable to the investigation, appraisal, adjustment, settlement, litigation, defense and/or appeal of specific claims, regardless of how such expenses are classified for statutory reporting purposes ...."
During the treaty's effective period, plaintiffs issued a liability insurance policy to FHC Enterprises, Inc., which insured Greenwood Terrace Nursing and Rehab. Center, L.L.C. ("Greenwood Terrace"). In 2002, Greenwood Terrace was sued following the death of one of its patients and residents, Joseph Mark. Plaintiffs defended Greenwood Terrace in the Mark lawsuit, which eventually settled. Because its policy called for a $1,000,000 liability limit per each "medical incident," plaintiffs paid $1,000,000 of the $1,750,000 settlement. Plaintiffs then billed defendant its portion of the settlement claim, which included the obligation for the first $250,000 of net liability as well as a proportion of loss adjustment expenses. Defendant tendered payment for the billed amount.
Following the settlement of the Mark lawsuit, Greenwood Terrace filed its own suit against plaintiffs for breach of contract, alleging that plaintiffs should have paid a greater portion of the settlement amount because there had been more than one "medical incident" involved in the Mark lawsuit. Greenwood Terrace also alleged bad faith on the part of plaintiffs for their failure to insure Greenwood Terrace fully in the Mark matter. Plaintiffs disputed the claim that multiple "medical incidents" were implicated in the Mark case, but settled the lawsuit with Greenwood Terrace for a further $325,000 on January 4, 2011. Plaintiffs then billed defendant for its share of the Greenwood Terrace settlement, including the obligation for the first $250,000 of net liability and a proportion of loss adjustment expenses. Defendant contested its obligation to plaintiffs in the Greenwood Terrace lawsuit and refused to pay the billed amount. The parties' agreement allowed plaintiffs to utilize Letters of Credit provided by defendant to "reimburse [plaintiffs] for [defendant's] obligations." Prior to filing this action, plaintiffs drew on a Letter of Credit in the amount of $361,518 in partial satisfaction of the Greenwood Terrace claim.
*2 Plaintiffs then filed the instant suit, alleging breach of contract by defendant for failing to pay the remaining sum of $230,527.76 due in the Greenwood Terrace claim. Additionally, having drawn down the Letter of Credit provided, plaintiffs allege a collateral shortfall under the terms of the treaty and seek an order requiring renewed collateralization. Defendant counters, claiming that the settlement in the Greenwood Terrace lawsuit falls outside the scope of its obligations to plaintiffs. Defendant further filed a six-count counterclaim FN1, alleging: (1) that plaintiffs breached the treaty in failing to report the Greenwood Terrace lawsuit in a timely manner; (2) that plaintiffs' actions regarding the Letter of Credit constitute conversion; (3) that plaintiffs were negligent in failing to report the losses incurred in connection with the Greenwood Terrace lawsuit; and (4) seeking a declaratory judgment that the reinsurance treaty does not apply to any losses or liability incurred by plaintiffs resulting from the Greenwood Terrace lawsuit.
FN1. Two of defendant's counterclaims were dismissed on December 15, 2011. See Arrowood Indem. Co. v. Assurecare Corp., No. 11–CV–5206, slip op. at 1 (N.D.Ill.Dec. 15, 2011).
I. Legal Standard
A movant is entitled to summary judgment under Fed.R.Civ.P. 56(a) when the moving papers and affidavits show there is no genuine issue of material fact and the movant is entitled to judgment as a matter of law. The moving party bears the initial burden of pointing out the absence of a genuine issue of material fact. Once the moving party has met that burden, the nonmoving party must go beyond the pleadings and present specific facts showing there is a genuine issue for trial. Celotex Corp. v. Catrett, 477 U.S. 317, 322–23, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986). The court considers the record as a whole and draws all reasonable inferences in the light most favorable to the party opposing the motion. Fisher v. Transco Services–Milwaukee, Inc., 979 F.2d 1239, 1242 (7th Cir.1992).
II. Plaintiffs' Summary Judgment Motion and Defendant's Related Counterclaims
Plaintiffs' breach of contract claim centers around the dispute over whether the reinsurance treaty covers the settlement in the Greenwood Terrace matter. The interpretation of this contract is governed by the law of the state of Connecticut.FN2 Connecticut law regarding the interpretation of insurance contracts is well-established:
FN2. Judge Hibbler, to whom this case was previously assigned, ruled on December 15, 2011, that Connecticut law applies to the parties' agreement. See Arrowood Indem. Co. v. Assurecare Corp., No. 11–CV–5206, slip op. at 1 (N.D. Ill Dec. 15, 2011).
An insurance policy is to be interpreted by the same general rules that govern the construction of any written contract and enforced in accordance with the real intent of the parties as expressed in the language employed in the policy. The policy words must be accorded their natural and ordinary meaning. Under well established rules of construction, any ambiguity in the terms of an insurance policy must be construed in favor of the insured because the insurance company drafted the policy. This rule of construction may not be applied, however, unless the policy terms are indeed ambiguous. Moreover, the mere fact that the parties advance different interpretations of the language in question does not necessitate a conclusion that the language is ambiguous. Construction of a contract of insurance presents a question of law for the court.
*3 Ohio Cas. Ins. Co. v. Dentek, Inc., 283 F.Supp.2d 655, 659 (D.Conn.2003) ( quoting Hansen v. Ohio Cas. Ins. Co., 239 Conn. 537, 687 A.2d 1262, 1264–65 (1996)).
Under Connecticut law, "[t]he elements of a breach of contract action are the formation of an agreement, performance by one party, breach of the agreement by the other party and damages." Rosato v. Moscardo, 82 Conn.App. 396, 411, 844 A.2d 893 (2004) ( quoting Bouchard v. Sandberg, 80 Conn.App. 180, 189, 834 A.2d 744 (2003)). The first two elements are not in question. Plaintiffs allege that defendant breached the contract by failing to pay amounts owed pursuant to the reinsurance treaty.
Plaintiffs point to two provisions of the treaty to support their argument that the Greenwood Terrace settlement is covered under the terms of the agreement with defendant. First, plaintiffs contend that the settlement monies paid to Greenwood Terrace constitute a "loss settlement" that is covered by the reinsurance treaty. Under Article XIV of the treaty, loss settlements are defined as "individual payments made by the Company in accordance with its Obligations under the subject Policies." Plaintiffs then seek to establish Defendant's liability for such a loss settlement by highlighting another clause of Article XIV, the "follow-the-settlements" clause.
That clause provides that "[a]ll loss settlements made by the Company [plaintiffs], whether under policy terms and conditions or by way of compromise, shall be binding upon the Reinsurer [defendant], and the Reinsurer agrees to pay or allow, as the case may be, its share of each such settlement in accordance with this Contract." This clause is complimented by Article XIII of the treaty, which contains a "follow-the-fortunes" clause, and states that "the liability of the Reinsurer shall follow that of the Company in every case. It is the intent of this Contract that the Reinsurer shall follow the fortunes of the Company in all matters falling under the Contract."
In response to this interpretation of the contract, defendant contends that the settlement does not fall within the scope of the Greenwood Terrace policy, and as such is not a loss payment subject to the follow-the-settlements clause. Defendant argues that plaintiffs, during the course of the Greenwood Terrace lawsuit, maintained that they had satisfied their obligations under the policy that they had issued to Greenwood Terrace and stated that any claim for additional monies related to the Mark settlement was outside the scope of that policy. Because Article IV of the reinsurance treaty between the parties excludes "any losses, or liability for losses, excluded by the Policies," defendant contends that it is not required to pay plaintiffs for the Greenwood Terrace expenditures under the treaty.
The purpose of follow-the-settlements clauses in reinsurance agreements is to "bind[ ] a reinsurer to accept the cedent's good faith decisions on all things concerning the underlying insurance terms and claims against the underlying insured: coverage, tactics, lawsuits, compromise, resistance or capitulation." See Hartford Acc. & Indemn. Co. v. Argonaut Ins. Co., No. 3:06CV 1813(WWE), 2008 WL 2559440, at *1 (D.Conn. June 23, 2008) (citing British Int'l Ins. Co. v. Seguros La Republica, S.A., 342 F.3d 78, 85 (2d Cir.2003)); see also International Surplus Lines Ins. Co. v. Certain Underwriting Syndicates at Lloyd's of London, 868 F.Supp. 917, 921 (S.D.Ohio 1994) ("Were the Court to conduct a de novo review of [the reinsured's] decision-making process, the foundation of the cedent-reinsurer relationship would be forever damaged."). To allow the reinsurer to question the underlying settlement would be to relitigate the underlying claim all over again; there would be little incentive for the reinsured to settle its claims with policyholders. Therefore, once the reinsured enters into a settlement agreement with a policyholder, a follow-the-settlements provision "requires the reinsurer to cover settlements made by the reinsured, as long as they are not fraudulent, collusive or made in bad faith." Hartford Acc. & Indem. v. Columbia Cas. Co., 98 F.Supp.2d 251, 258 (D.Conn.2000) (citing Aetna Cas. & Sur. Co. v. Home Ins. Co., 882 F.Supp. 1328, 1346 (S.D.N.Y.1995)).
*4 The burden on the reinsurer to demonstrate bad faith is a significant one: the reinsurer must show "gross negligence, recklessness, [or] bad faith" on the part of the reinsured or that the settlement was not even "arguably" within the scope of the reinsurance contract. Hartford Acc., 98 F.Supp.2d at 258 (citing Mentor Ins. Co. (U.K.) v. Norges Brannkasse, 996 F.2d 506, 517 (2d Cir.1993)); see also North River Ins. Co. v. Employers Reins. Corp., 197 F.Supp.2d 972, 978 (S.D.Ohio 2002) (reinsurers may not "avoid liability by raising policy defenses and objections that were available to the reinsured unless the reinsured pays a settlement that is clearly or manifestly outside the scope of the reinsured's policy coverage").
The underlying claim in the Greenwood Terrace matter concerned the appropriate interpretation of a "medical incident" under the policy issued by plaintiffs. Whether the actions at issue in the Mark lawsuit constituted a single medical incident or multiple medical incidents dictated the limit on the amount of money plaintiffs were required to pay to indemnify the policyholder. Plaintiffs did indeed maintain throughout the Greenwood Terrace litigation and settlement that their liability was limited to $1,000,000 because the Mark lawsuit concerned only one medical incident. Yet, the underlying dispute was one of the policy's coverage, and it was this disagreement that the settlement sought to resolve. Whether plaintiffs' position would be accepted by a court or whether it was prudent to settle the claim is a litigation decision within the discretion of the plaintiffs. As plaintiffs note, their motion for summary judgment in the Greenwood Terrace litigation was denied. Article XIV of the treaty is clear that "[a]ll loss settlements made by the Company ... by way of compromise" confer liability on the defendant. Absent a showing of bad faith FN3, collusion or fraud on the plaintiffs' part in entering into the settlement, plaintiffs' decision to settle a claim regarding a coverage dispute may not be secondguessed by the defendant reinsurer. Here, there is no evidence that plaintiffs entered into the settlement with Greenwood Terrace in bad faith. Therefore, the settlement is covered by the terms of the treaty, and defendant must pay its contractual share of the expense.
FN3. Defendant has not alleged that plaintiffs acted in bad faith by entering into the settlement, but rather that the bad faith cause of action filed by Greenwood Terrace in its lawsuit renders the settlement outside the scope of the treaty, which is a separate contention.
Defendant also argues that plaintiffs' settlement with Greenwood Terrace was not a settlement based entirely on the breach of contract claim. The release of claims in the settlement encompassed Greenwood Terrace's claim that plaintiffs acted in bad faith. Whether this portion of the settlement was within the terms of the treaty must also be evaluated.
Plaintiffs claim that $60,000 of the settlement with Greenwood Terrace was allocated to Extra Contractual Expenses, which include bad faith claims, and that this amount was excluded from the amount sought from defendant. There is nothing in the settlement agreement itself, however, that indicates what portion of the settlement was to be allocated to the bad faith claim. Plaintiffs have generated this allocation from their internal accounting, relying on Section 155 of the Illinois Insurance Code (215 ILCS 5/155 (West 2006)).
*5 Even if the plaintiffs' allocation of $60,000 to the bad faith claim is inappropriate, defendant has not carried its burden to demonstrate that an issue of fact remains as to whether the settlement with Greenwood Terrace concerned matters that were not even "arguably" within the scope of the reinsurance contract. Article XVI of the treaty concerns Extra Contractual Expenses, including bad faith claims, and provides:
This Contract shall protect the Company [plaintiffs] for 100% of any Extra Contractual Obligations....The term 'Extra Contractual Obligations' is defined as those liabilities not covered under any other provision of this Contract and which arise from the handling of any claim on business covered hereunder, such liabilities arising because of, but not limited to, the following: failure of the Company to settle within the policy limit, or by reason of alleged or actual negligence, fraud or bad faith ... in the preparation of the defense or in the trial of any action against its insured or Reinsured or in the preparation or prosecution of an appeal consequent upon such action.
While defendant's response brief asserts that "the rather obvious and simple reason that acting in bad faith ... is nowhere included as a 'matter falling under the Contract[,]' " (emphasis in original), this provision does arguably cover the bad faith claim against plaintiffs. Defendant offers no rebuttal to this argument, simply stating that "there also seems little doubt that the term 'Extra Contractual Obligations' ... is not applicable to the Greenwood Lawsuit."
Finally, plaintiffs contend that, in addition to the loss settlement payment, defendant is responsible for a proportional share of loss adjustment expenses. As noted above, loss adjustment expenses are defined by the treaty as "expenses assignable to the investigation, appraisal, adjustment, settlement, litigation, defense and/or appeal of specific claims, regardless of how such expenses are classified for statutory reporting purposes ...."
Defendant utilizes the same argument to contest its liability for loss adjustment expenses as it did regarding the loss settlement payments: that the Greenwood Terrace claim falls outside the scope of the policy, and as such is not covered by the reinsurance treaty. As stated above, the court rejects this argument because the Greenwood Terrace settlement was a compromise of claims related to the underlying policy.
The court therefore finds that defendant has not demonstrated that a question of fact exists regarding whether the follow the settlements clause or the loss adjustments expenses clause apply to the Greenwood Terrace settlement claim, and awards summary judgment on Count I to the plaintiffs.
A. Defendant's Counterclaim for Breach of Contract
Defendant counterclaims that plaintiffs breached the terms of the reinsurance contract by failing to provide prompt notice of the pending Greenwood Terrace lawsuit. Defendant cites Article VIII, which requires plaintiffs to:
*6 furnish the Reinsurer with a report summarizing the Net Subject Written Premium ceded and the Net Subject Earned Premium ceded, less return premium and commission, losses paid, Loss Adjustment Expense paid, monies recovered, and net balance due either party. In addition, the Company [plaintiffs] will furnish the Reinsurer a monthly statement showing the unearned premium, the total reserves for outstanding losses including Loss Adjustment Expense, a breakdown by American Insurance Association catastrophic code numbers for paid and outstanding catastrophic losses and loss adjustment expense and such other information as may be required by the Reinsurer for completion of its NAIC annual statements.
Defendant contends that this clause is a notice provision and that plaintiffs' failure to provide such reports and summaries regarding the Greenwood Terrace claim until after the settlement in 2011 deprived defendant of "the opportunity to limit the costs of defense thereof and to limit its potential financial exposure to Arrowood, if any, under the Treaty."
Notice clauses in reinsurance contracts typically call for "immediate" notice or "prompt" notice of claims. Graydon S. Staring and Christopher P. Staring, Law of Reinsurance sec. 17:1 (April 2012) (compiling cases). This key language is absent from Article VIII of the treaty; it simply requires various financial reports. This clause thus appears to be a reporting provision and not the typical requirement that a reinsured provide notice of the existence of potential claims. Under Connecticut law, the "insurer bears the burden of proving, by a preponderance of evidence, that it has been prejudiced by the insured's failure to comply with a notice provision." Arrowood Indem. Co. v. King, 304 Conn. 179, 201, 39 A.3d 712, 725–26 (2012) (overruling Aetna Casualty & Surety Co. v. Murphy, 206 Conn. 409, 538 A.2d 219); see also Sec. Ins. Co. of Hartford v. Trustmark Ins. Co., No. 3:00–CV–1247(PCD), 2002 WL 32500922, at *5 (D.Conn. Sept.4, 2002) (stating that the law regarding insurance contracts should be consistent with the law regarding reinsurance contracts). Defendant has not alleged any particularized prejudice in this matter beyond the ability to limit the costs of defense in the Greenwood Terrace matter. However, nothing in the reinsurance treaty indicates that defendant had authority to intervene in underlying lawsuits to attempt to limit the costs of defense. Additionally, the Second Circuit, evaluating a similar claim under comparable New York reinsurance law, has held that the loss of the right to associate in the defense of claims that may result from late notice from the reinsured by itself is not sufficient to demonstrate prejudice to the reinsurer. Unigard Sec. Ins. Co., Inc. v. N. River Ins. Co., 4 F.3d 1049, 1068–1069 (2d Cir.1993).
Even if Article VIII could be characterized as a notice provision, "a [reinsured's] failure to provide prompt notice may entitle the reinsurer to relief without showing prejudice if the [reinsured] acted in bad faith." Unigard, 4 F.3d at 1069 (quotation omitted). Under the Unigard standard, defendant must demonstrate that plaintiffs acted with gross negligence or recklessness in order to prove bad faith. See id. The court, when differentiating common negligence from gross negligence, stated that:
*7 If a [reinsured] has implemented routine practices and controls to ensure notification to reinsurers but inadvertence causes a lapse, the [reinsured] has not acted in bad faith. But if a [reinsured] does not implement such practices and controls, then it has willfully disregarded the risk to reinsurers and is guilty of gross negligence. A reinsurer, dependent on its [reinsured] for information, should be able to expect at least this level of protection, and, if a [reinsured] fails to provide it, the reinsurer's late loss notice defense should succeed. [ Id.]
The parties' L.R. 56.1 statements and the appended documentation establish that plaintiffs had routine practices and controls in place, and that financial information was generated by third party adjusters and subsequently billed to reinsurers. Plaintiffs assert that since the Greenwood Terrace lawsuit was handled internally and not by third party adjusters, it was inadvertently excluded from the loss run information routinely provided to defendant. Defendant alleges that this contention is "clearly contrived," and that plaintiffs belatedly advised defendant of the claim once they "[came] up with some clever way to avoid the financial hit [they were] going to take in [the] settlement with Greenwood."
While plaintiffs' failure to advise defendant of the pending Greenwood Terrace lawsuit might have been negligent, it does not, as a matter of law, rise to the level of gross negligence because plaintiffs had procedures in place to generate the required reports and have demonstrated without evidentiary contradiction that their failure to include the Greenwood Terrace claim was inadvertent. Therefore, because the court has found in favor of plaintiffs on their complaint, and has further found that plaintiffs did not breach Article VIII of the treaty, the court grants judgment to the plaintiffs and against defendant on its counterclaim for breach of contract arising from failure to notify.
B. Defendant's Counterclaim for Conversion
Defendant claims that plaintiffs' actions in drawing on the Letter of Credit provided constitute conversion, because the amounts drawn were not properly due. Plaintiffs answer that the Greenwood Terrace settlement properly fell within the scope of the reinsurance treaty and that plaintiffs were thus entitled to the amount billed.
Conversion is the "unauthorized assumption and exercise of the right of ownership over goods belonging to another, to the exclusion of the owner's rights." Aetna Life & Casualty Co. v. Union Trust Co., 230 Conn. 779, 790, 646 A.2d 799, 804 (1994) (citations and quotations omitted). Article XXII of the reinsurance treaty allows plaintiffs to draw on letters of credit to satisfy defendant's obligations "the payment of which is due under this Contract and which has not been otherwise paid." Having found that the Greenwood Terrace claim properly falls within the scope of the treaty, the court finds that payment in the Greenwood Terrace claim was due under the reinsurance contract, that plaintiffs' draw on the letter of credit was not "unauthorized," and therefore the draw did not constitute conversion.
C. Defendant's Counterclaim for Negligence
*8 Defendant claims that plaintiffs' statement that the failure to provide timely reports to defendant concerning the Greenwood Terrace lawsuit was "inadvertent" constitutes a judicial admission of negligence which relieves defendant of any obligation under the treaty.
Under Connecticut law, "[n]egligence occurs where one under a duty to exercise a certain degree of care to avoid injury to others fails to do so." Dean v. Hershowitz, 119 Conn. 398, 407–408, 177 A. 262 (1935). "The essential elements of a cause of action in negligence are well established: duty; breach of that duty; causation; and actual injury." RK Constructors, Inc. v. Fusco Corp., 231 Conn. 381, 384, 650 A.2d 153 (1994). In evaluating negligence claims that are grounded in contract, Connecticut courts have observed that "the negligent performance of a contract may give rise to an action and recovery in both tort and breach of contract .... To sustain an action in both tort and contract, however, on the basis of negligent performance of a contract, the plaintiffs must allege facts and damages sufficient to maintain those causes of actions separately." See Bonan v. Goldring Home Inspections, Inc., 68 Conn.App. 862, 872, 794 A.2d 997, 1004 (2002) ( citing Youngset, Inc. v. Five City Plaza, Inc., 156 Conn. 22, 25, 237 A.2d 366 (1968)).
Here, defendant has not pled facts that establish a breach of contract claim and a negligence claim as separate, individual claims. Both rely on the plaintiffs' lack of notice of the existence of the Greenwood Terrace, as required by the contract, to establish a breach. Yet, the duty that defendant cites to give rise to a cause of negligence is the duty established solely by the reinsurance contract. Therefore, defendant has not established a separate negligence claim and summary judgment is awarded to the plaintiffs on this count.
III. Plaintiffs' Motion for Declaratory Judgment (Count II)
Plaintiffs seek an order requiring defendant to deliver additional collateral, pursuant to the terms of the treaty, to cover the shortfall created by the exhaustion of the Letter of Credit. Article XXII of the treaty requires defendant to:
fund such reserves in respect of unearned premium, known outstanding losses that have been reported to the Reinsurer and allocated loss adjustment expenses relating thereto, losses and allocated loss adjustment expenses paid by the Company but not recovered from the Reinsurer, plus reserves for losses incurred but not reported, as shown in the statement prepared by the Company (herein after referred to as "Reinsurer's Obligations") by funds withheld, cash advances or a Letter of Credit.
The Article further explains that:
If the statement shows that the Reinsurer's Obligations exceed the balance of credit as of the statement date, the Reinsurer shall, within thirty (30) days after receipt of the notice of such excess, secure delivery to the Company of an amendment to the Letter of Credit increasing the amount of credit by the amount of such difference.
*9 Having found that the Greenwood Terrace settlement fell within the terms of the treaty, and that plaintiffs properly drew on the Letter of Credit, the court finds that plaintiffs were entitled to further collateral pursuant to Article XXII of the treaty. The court therefore awards summary judgment for Count II to the plaintiffs.
IV. Defendant's Motion for Declaratory Judgment (Count V)
Defendant also seeks a declaratory judgment that the reinsurance treaty does not apply to any losses or liability incurred by plaintiffs resulting from the Greenwood Terrace lawsuit. Having found that the treaty does apply to the Greenwood Terrace lawsuit, the court awards summary judgment on this counterclaim to the plaintiffs.
For the foregoing reasons, the court grants plaintiffs Arrowood Indemnity Company and Arrowood Surplus Lines Insurance Company's motion for summary judgment as to Counts I and II, as well as all counterclaims, and enters judgment as follows: (1) defendant Assurecare Corporation is ordered to pay plaintiffs the balance due under the treaty in the sum of $230,527.75, along with prejudgment interest; and (2) Assurecare Corporation is further ordered to deliver to plaintiff cash or an amendment to the Letter of Credit and to immediately fund the collateral shortfall as set forth by the treaty. Plaintiffs are directed to prepare and file a proposed judgment order consistent with this ruling and computing all amounts due on September 28, 2012, for presentment on October 3, 2012, at 9:30 A.M.
Posted by Jay D. Adkisson, the author of Adkisson's Captive Insurance Companies, with main website http://www.captiveinsurancecompanies.com and with an interactive online forum at http://www.captiveforum.com and blog at http://www.captivenews.com see also http://www.jayadkisson.com and http://www.risad.com
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Architecture-Iniciativa – Landing Page Template
Architecture-Iniciativa is landing page template using modern architectural design, designed for many types of marketing website. Based in Bootstrap 3 framework, the template consists of dozens of custom components and will look perfect on any size tablet or mobile screen. Its use can create any landing page you want just in a few minutes, for example, give aconocer a project by his company.
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subset: commoncrawl


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Headlines decried a two-hour outage of Gchat across the Web this afternoon. "Gchat is down, so you'll have to talk to your friends in person," said the Huffington Post declared, while Slate quipped, "There's no drama quite like the drama of a Gchat outage." But there's just one problem: There is no Gchat and there never was -- at least not officially. While nearly everyone casually refers to Google's web and mobile chat products as "Gchat" the official name of their primary instant and video messaging platform is Google Hangouts.
Hangouts launched in May of 2013, as an intended replacement for the original Google+ video "Hangouts" application, a Google+ chat feature, and the longstanding Google Talk. It came with this heart string tugging video and the tagline "Conversations that last, with the people you love."
The service is Google's attempt to create a cohesive future for messaging and is built into many of its products, including Gmail and Google+, and also has its own dedicated desktop and mobile applications. Google Talk is still available, but likely slated for eventual retirement. While Google Voice hasn't yet been fully integrated, Google director of real-time communications Nikhyl Singhal told the Verge Hangouts was "the future for Google Voice" around the time of its launch.
The integration of messaging services into Hangouts is essentially a sub-component of Google's drive towards a cohesive online experience under the umbrella of Google+. As of last fall the social media platform claimed 300 million active users, but for many it still feels like a ghost town.
Part of that is because the integration of already popular services such as YouTube into the platform boost its numbers, arguably artificially. Of course, the company's hope is likely that once familiar services are integrated, more people will actually start using Google+ for social sharing. And by capturing that social interaction, Google can create a more complete picture of users to inform its primary business: Advertising.
But regardless of whether or not Google is succeeding at that broader mission, its branding efforts on their chat capabilities haven't been able to quash "Gchat." It crops up in headline after headline and has entered the vernacular of most tech savvy youths. Googling for the term returns 610,000 search results. (One Washington Post reporter who uses the company's chat products so often she jokes she "lives on" them wasn't even aware Gchat wasn't the official name.)
Google did not immediately respond to an inquiry about its position on the term. The company has responded to previous inquiries on the subject by referencing its list of trademarked names -- which does not include Gchat. But it's largely understood among the tech media that Google doesn't care for the nickname. And if so, it wouldn't be the first time Google has gotten anxious about the language surrounding its products.
Back in 2006 when "Google" was added to the Merriam-Webster English Dictionary as a verb, the company published a blog post explaining in very specific terms how the word should be used so as to maintain its trademark. "While we're pleased that so many people think of us when they think of searching the web, let's face it, we do have a brand to protect, so we'd like to make clear that you should please only use 'Google' when you're actually referring to Google Inc. and our services."


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Municipal Industrial Storage is Michigan`s leader in Wastewater, Water and Potable Water Storage Tanks. We provide our customers with custom construction tanks built specifically for their Industrial or Municipal needs. We have the experience in the industrial water storage industry to meet your needs.
based in Grand Rapids, MICHIGAN (USA).
Schumann Tank & Stahlbau GmbH, Your Specialist for bolted steel tanks and bolted digester tanksSchumann Tank & Stahlbau GmbH has a solid reputation as a supplier of tanks and steel-equipment and represents guarantee of quality and service. Schumann Tank & Stahlbau GmbH works with experienced engineers that can design each type of tank. Our team of specialists are ...
based in Wolmirstedt, GERMANY.
Hazmat Chemical Storage, Inc. is a manufacturer of explosive magazines, hazmat storage buildings, secondary containment pallets, mezzanines, canopies and autoclaves. We also distribute bulk storage tanks and environmental storage products.
based in Tustin, CALIFORNIA (USA).
Niles Steel Tank is a US manufacturer of ASME code pressure vessels and storage tanks for both carbon and stainless steels. Our headquarters is located in Niles Michigan. Niles Steel Tank began operation in 1898 and has been manufacturing high quality pressure vessels for many industries including automotive, compressor, paint and paper, solar, water storage, HVAC, ...
based in Niles, MICHIGAN (USA).
RNT Tanks and Silos Ltd design, manufacture and supply a leading range of galvanised steel water tanks, silo storage systems and auger conveyor feed systems offering an all-round solution for a multitude of agricultural, horticultural, water management storage and material handling needs.
based in Bedfordshire, UNITED KINGDOM.
Approved installation contractor for High-Density Polyethylene (HDPE) geomembranes and Geosynthetic Clay Liners (GCL). Custom engineered Cover Systems incorporating both covers and lining systems for waste storage cells, remediation piles, industrial and waste water lagoons. Supplier and installer of powder epoxy coated bolted steel storage tanks.
based in Richmond, BRITISH COLUMBIA (CANADA).
The Tasman Tank Co specialise in the design, manufacture and installation of water storage systems throughout Australasia. Over the years our market share and reputation has steadily grown, cementing our place as a leader in the water storage industry. Whilst still servicing our traditional fire and building services clientele, the majority of our market is from ...
based in Glendenning, AUSTRALIA.
Authorized Master Dealer for Pioneer Water Tanks and Master Distributor for Texas Stainless Steel Water Tanks. Pioneer Galaxy home and ranch Tanks are the premier line of built-on-site tanks in the United States. Perfect for rainwater harvesting, well water storage, fire suppression, livestock watering, long-term potable water storage, and many other uses. Pioneer ...
based in TEXAS (USA).
MERKLAND TANK LIMITED is a specialist tank cleaning business which is located in the West of Scotland and was established following a restructuring of Merkland Tank & Boiler Company Limited.Our scope of work is based around engineering services which include tank and vessel work, including above ground, underground, semi- underground oil tanks, Atmospheric and Pressure ...
based in Govan, UNITED KINGDOM.
We believe in a simple theory that has proven itself time and time again. In order for our company to succeed, your tank has too. For nearly 30 years FSRC Tanks Inc. has been committed to providing our customers with the absolute best storage containment solutions at the most competitive prices in the dry bulk and liquid storage applications worldwide. We provide our ...
based in Bolivar, OHIO (USA).
We specialize in the fabrication of steel aboveground tanks for the storage of flammable and combustible liquids. Our product line consists of engineered fabricated steel tanks that are sold separately or as a turnkey solution. If you do not find what you need, we design and build tanks to meet your specific application. Our tanks are listed with Underwriters ...
based in Aumsville, OREGON (USA).
BlueScope WaterIn May 2005, Pioneer Water Tanks partnered with BlueScope Water, a subsidiary of the Australian Steel manufacturing business, BlueScope Steel, one of Australia`s largest manufacturing companies. The Pioneer GALAXY tank range complemented the existing range of products available in the Australian market, such as the WATERPOINT residential sized rainwater ...
based in San Marcos, AUSTRALIA.
No one is better equipped to solve your tank challenges than Fisher Tank Company. We are a full-service welded steel tank contractor with unmatched expertise working in a wide range of industries. We provide tank engineering and design, in-house fabrication, blasting, painting, on-site construction and maintenance for field erected welded steel storage tanks. Many of our ...
based in Chester, PENNSYLVANIA (USA).
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Holiday Guide
Planning on getting away from it all over the next few months?
Be sure to check out our holiday guide, full of ideas about
what to pack this summer. Take a look now:
British Style
Here at the store we're big fans of British style. We love the
different array of influences that are as varied as workwar and
vintage sportswear. See the selection we have in store now:
French Style
For relaxed, laid back style it is hard to beat French clothing.
Here in store we have a great selection from labels such as A.P.C.,
Arpenteur, Spring Court and many more. Shop now:
American Style
American style is something that is pervasive throughout modern
popular culture, American clothing has its own unique style that has
changed the way in which we all wear our clothes.
Japanese Style
To us Europeans, there is something intriguing and beguiling about
Japan, its people and their customs. Such single minded focus has
led to some incredible craftsmanship and unrivalled attention to detail.
Scandinavian Style
Scandinavia has long been a centre for design. Renowned for a
minimalist and functional aesthetic, these ideals have given birth
to a new wave of menswear designers.
Summer Prints
Summer is the perfect time to add a bit of colour and pattern
into your wardrobe. In store we have a bold selection that includes
everything from floral to check. Shop now:
Fatigue Pants
For us, one of the trends of this season has to be the humble
fatigue pant. With strong military overtones, we love the rugged
feel and durable construction. Shop our selection now:


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The Hotchkiss Brain Institute
Healthy Brains for Better Lives
Neuroscience Knowledge
Specific information about the normal and diseased/damaged brain and cutting-edge biology that will prove critical to future advancement.
Teaching Skills
Teaching trainees how to educate, inspire and motivate through hands-on workshops and opportunities to teach or mentor students and community members.
Knowledge Translation
Facilitating understanding and effecting change by improving trainees' ability to communicate knowledge to a wide variety of audiences.
Technical Skills
Improving knowledge about state-of-the-art neuroscience and genomic technologies to address fundamental questions about the brain.
Professional Skills
Opportunities to develop transferable skills in a wide range of areas, including (but not limited to): leadership, professionalism, business analysis and financial management.
Career Opportunities
Exploring different professions and developing relationships that will direct trainees' future careers within and beyond academia.
Our program has been designed to be adaptable in order to quickly respond to the evolving needs of our trainees. If you have an idea for a module, please contact us at firstname.lastname@example.com.
Opportunities for trainees to teach can be difficult to come by. If you are interested in developing and leading a module - perhaps in a skill, technique or knowledge area where you have a particular interest or talent - please contact us at firstname.lastname@example.com. We may be able to help you with the costs of supplies, as well as with support and feedback before and after you deliver your module.
The REALISE program accepts formal registration from any student or postdoctoral scholar who is either supervised by a full member of the HBI or is enrolled in the University of Calgary's BSc Neuroscience degree program. Interested participants from other institutes and departments are also encouraged to register for individual modules and will be accommodated as space and resources permit.
Click here to learn more about registering for the REALISE program and/or individual modules.
For more information, contact us at email@example.com


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I watched as everyone gathered round, sitting and conversing. It was rather fascinating to watch really. They all had this love for each other that I desperately wanted with them too. They were so stinkin' cool!
I grinned as I watched from my bean bag. The air jsut so full of happiness. The Charley-Rory thing seemed somewhat resolved, however Marc and Zoey weren't talking. I was going to somehow try and get them to talk to each toehr when Elllie and Luke left the room. I figured before I entered into anyhting, I should find out what was happening first.
I snapped out of my pensive state, and went back into the 'real' world.
Zoey and Charley were talking quietly about girl stuff, meaning nothing I should really bother about because it would take way too much time to try and understand.
Marc sat on his couch, not talking to anyone. So I decided I'd go over and get to know him a bit more.
"Hey there grumpy!" I said cheerfully-hopefully that came off as non-offensive name calling.
Marc just nodded his head in my direction, and a quick glance of his eyes told me that he acknowledged my friendliness, and was not returning it due to failure of activeness. What did I just think?
"So, what are you guys doing for you're talent tomorrow night?" I asked, hoping he would at least talk about something.
"Secret," he said, grinning slightly, "you?" he asked.
"Can't say," I grinned, "secret" I said, winking.
With that, I got up, my mission accomlished, and I headed out of the room. I had a sudden urge to go and talk to Alexander about fighting, and what I was to do.
I decided not to use the conventional door, and just go through the wall.
This was easier said than done. After many attempts, I finally got my full self through the wall, and out of the floor boards (yeah, my feet kinda sunk into the ground...)
I headed down the hallway, and came across the door to the basement, which after much pondering,I decided to enter.
Upon doing so, I heard Alexander talking to something. I headed down the stairs to find out what it was, and once I was down, I saw him stroking the head of a ginormous turtle.
The shell and larger than my bed, and it's head about the size of my pillow. It's legs looked solid and firm, except for one which was bandaged up at it's side. They eyes locked into mine, staring me down.
I was frozen in shock, what the heck was that thing?!?!
"This young Eoin, is Herbert, Turtle of the Ground. It patrols for us, and gives invaluable information." Alexander stated, continuing to stroke the head of Herbert.
"Greeting to you young warrior," Herbert said, this didn't surprise me in the least, but I still blinked in surprise.. so I guess I was surpirsed, sorta, "I am as Alexander says, and I bid you good morrow. Pray, why have you come?" He asked. His language made me think of Shakespeare for a moment, but that passed soon enough, and I began to ask Herbert my many questions about battle and fighting with my ability.
"You ask much, and I am happy to say I think I can help you some," Herbert began. My heart quickened, I was getting an answer! " Have everyone gathered around the lake tomorrow morning, and I shall instruct you in the ways of fighting dead things." HIs eys twitched when he said 'dead thing', I wondered why, but didn';t want to push anything.
"Thank-you sir!" I said grateful, being taught by a turtle was definatly going into my list of stuff I'd never thought I'd do.
I hurried upstairs to tell the others, and ask Ellie if she wanted to practice.


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The HOTEL AT TIMES SQUARE is a Tourist hotel. Located in NEW YORK area. Shopping is accessible by bus/taxi and the nightlife/restaurants are easily accessible by taxi or bus from the hotel.
The Hotel at Times Square, a newly renovated boutique hotel, is located on 46th Street between Fifth and Sixth Avenues, near Rockefeller Center, Times Square, the theater district, the Museum of Modern Art, Grand Central Station, and Fifth Avenue shopping. The hotel offers a variety of thoughtful amenities and services including free Wireless Internet, complimentary continental breakfast, flat-screen TVs, and free calls within the U.S., free daily USA Today newspapers, in-room personal safes, laundry and valet services, and reduced-rate parking. All rooms are equipped with an iron, ironing board, coffee and coffee maker, hairdryer, cordless speakerphone with voicemail, as well as cable TV, Movies on Demand and Nintendo video games.
Pets are not allowed


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What's a patent drugmaker's worst nightmare? That a generic rival is set on reproducing your bread-and-butter product and offering it to the public at a steep discount. That's the problem facing Jazz Pharmaceuticals (JAZZ).
But the release of Jazz's star product may not be as imminent as many fear (or hope, depending on who you are).
Dublin, Ireland-based Jazz Pharmaceuticals' star product is Xyrem, a narcolepsy treatment that accounts for two-thirds of the company's revenue.
Jazz warned on May 7 that Xyrem may be vulnerable to generic competition. The next day Jazz sank 7% in 4-1/2 times its average volume.
Jazz closed that day at 55.25. Today it stands 62% higher, at 89.78. Somehow, Jazz's warning wasn't a death knell.
A Sept. 9 research note by Guggenheim may provide the clue, although you may need some translation help.
From that report: "We believe that REMS will continue to delay generic approvals for certain drugs." REMS stands for Risk Evaluation and Mitigation Strategy, a process demanded by the Food & Drug Administration for risky drugs.
In Xyrem's case, the risk appears when combined with the use of alcohol or some drugs, including sleeping pills. That could lead to "respiratory depression," where a patient's breathing slows to a dangerously low level.
Also, abrupt discontinuation of Xyrem causes some serious withdrawal, which could last up to two weeks. In such a case, "hospitalization may be required," according to Xyrem.com .
So Xyrem is not a simple case, and the FDA will require a generic drugmaker to go through a demanding — and lengthy — testing process for its version.
More from that Guggenheim report: "We believe that the sustainability of Xyrem sales is still underappreciated because potential generic competition is an overhang on shares." Guggenheim believes Xyrem is safe until 2017.
Someday the FDA will standardize the REMS process, but not for at least a few years.
Jazz now stands nearly 1% above its 89.10 buy point from a three-weeks-tight pattern. The stock has been on a robust upward path since it broke out from its 60.30 cup-with-handle buy point in the May 24 week.
Jazz is tied for first place (with Canada's Valeant Pharmaceuticals (VRX) in the Ethical Drugs group with a best-possible 99 Composite Rating.
Jazz posted revenue gains in the past four quarters of 139%, 120%, 91% and 68%. Earnings rose between 31% and 54% in those reports.
Its 52.3% pretax margin in 2012 is the industry's second-strongest.


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- Description
Dolomite Walker - Soprano, manufactured by Dolomite, is a mobility aid that assists individuals with walking.
Featuring large, 10 inch wheels, this rollator walker rides easily and smoothly over bumps and crevices. In addition to large wheels, this walker also presents a new cable-less design, which means users will not get entangled in cords.
The Soprano Dolomite Walker features a sturdy design, as it integrates a welded steel frame and eliminates the necessity of rear forks, which gives the user more walking space.
The frame, additionally, will stand upright when folded. To prevent it from opening during transport, you can lock this rollator walker while it is in a folded position.
The Soprano offers a flip-up seat, angle and height adjustable handles, and a generous capacity that it supports. There is also a front wire shelf that holds larger personal items.
If the Soprano walker does not meet your needs, check out this walker and adult rollator here.
Dolomite Walker - Soprano Features and Benefits
- 10 inch outdoor tires.
- Adjustable handle height.
- Adjustable angle.
- Can fold for transport.
- Flip-up seat for more walking area.
- Locks while folded.
- Right or left handed brake.
- Welded steel frame.
- Wire shelf for personal items.
- Wireless braking design.
Dolomite Walker - Soprano Specifications
- Product Number: D12030, D12611L, and D12611R.
- Handle Height: 31-39 Inch (adjustable)
- Seat Height: 24 Inch
- Width Between Handles: 18 Inch
- Overall Width: 25.5 Inch
- Overall Length: 30 Inch
- Folded Upright: 19 Inch
- Folded Transport Position: 13 Inch
- Wheel Diameter: 10 Inch
- Weight: 21 lbs
- Weight Capacity: 355 lbs
- Additional Information
Additional Information
Manufacturer Dolomite Ships Free Yes
- Reviews
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Product QuestionsNo questions yet. Be the first to ask the question!


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Continue walking
You decide to keep walking. You can tell that the forest has a deep distrust and dislike of you, and prolonging your presence in any one location would give it a chance to get its own back. You whistle to yourself, an old tune, one that you used to know the words to, but that you have since forgotten.
You begin to relax into your walking, swinging your hands by your side. For the first time in what seems like an eon, you feel almost happy - something that does not come naturally to you.
You walk through the snow, realising how beautiful it is. The snow blankets the ground, save for a few places. The lofty branches of the trees are dusted with snow, and the sun throws its rays down to the ground. Your eyes dart from side to side, taking in the beauty and wonder of the place. You feel most unlike yourself, but this does not trouble you. You are, in fact, enjoying yourself. The forest seems to have relaxed with you.
You see a small trail of flowers that lead into a denser part of the forest, where the grass seems to be green and untouched by snow. You feel an overwhelming sense of pull towards this place, and whilst a small sense of doubt hides in the back of your mind, you are determined to follow this trail.
Do you...
Follow the trail?
Keep walking?


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Required Services
As I lurked atop the cabinet, Aravon gave Hermin a very serious look and wrinkled his nose slightly. (Probably due to either Hermin's fould body odour or his disgust at the state of his lodgings. I prefer to think it was the first of the two.) Hermin looked up at him like a dog looks at it's master when hoping for a reward. Aravon however did not oblige and took half a step away from the greasy-haired wizard before speaking:
"I am not here for pleasantries Hermin." he said assertively, "I am here on business only. Very serious business that could have very serious consequences if not handled correctly. Listen to me and do not interrupt."
"Of course my lord," said Hermin, his voice almost a whine, "Whatever you say my lord."
"Good. Now listen to me. You have heard of the envoys that were due to arrive from Galacia within the next few days? You will no doubt have been told they were travelling here to discuss with me the affairs of one of my other fiefs to the south. Am I correct?"
"Most certainly my lord. I know your lordship holds much land in the south and presumed this was just another of your loyal vassals reporting to you." whined Hermin in a voice that was supposed to be flattering.
Pity he had the word "bootlicker" written all over his fat face.
Aravon however, ignoring Hermin's efforts to suck up to him, continued, "Well, that was not exactly the business they were here on. The Galacians were here to see me about matters concerning the King's Court in Serubia. The King had sent them with a message he said must reach me immediately. I had no idea what the business was about until a messenger arrived this morning. The envoys passed through a town south of here two days ago. They have not been seen since. It is feared they may have been attacked by bandits in the forest, but with an armed guard I feel that is unlikely. I fear something more sinister may be afoot in these lands."
Hermin's pasty face went even paler, "Whatever do you mean my lord? Surely you don't think..."
"Yes, I do think that Hermin." replied Aravon, looking at Hermin with a grim expression like a carved rockface. "And I fear our time may already be running out. That is why I am here. I have need of your services."
"Anything my lord!" Hermin (the sicophant) declared, puffing up his chest and trying to look patriotic, "If there is anyway I can serve you, I will not hesitate to do it! All my assets are at your disposal, if you need it I will have it done without question!"
I had to shove my hand in my mouth to keep from laughing. Hermin? Serve someone other than himself? Pull the other one. The man's about as selfless as a crocodile (and a good deal less sociable), what use would he be?
Even Aravon seemed amused by this, a ghost of a smile tugging at his lips, "No need to worry yoursel Hermin, I only need one thing from you. You have a djinn in your service do you not? It is his services I require, you need not strain yourself with anything else."
Hermin, looking as if he'd just had bile poured down his throat, spluttered and gaped at Aravon, "Fallyn? Whatever do you want with him? I'm sure there are far more useful djinn in the castle, and a good deal who would be far more co-operative. Never in all my years have I known a more stubborn, insolent, sarcastic little monster than him. Really my lord, whatever you want Fallyn for, I'm sure there is someone else who will fill the task far more effectively."
Ouch! Look who's talking! I bridled at the insult, baring my teeth angrily at Hermin. Who was he to call me useless? He himself was about as much use as a wet towel in every way save as a torturer! Who was he to degrade me like this!
Oh how I longed to have a sharp stick in my hand at that moment. The damage I could have wrought with it...
"No." Aravon snapped, glaring hard at Hermin, "It must be Fallyn. I have my own reasons for choosing him and I feel no reason to share them with you. I dare say any task I set will be a good deal less than the ordeals he's put through with you for a master. I dread to think what sort of misery you inflict on him." he looked around the room, looking disgusted and infuriated. "The state of this room only confirms my fears." Aravon looked at me, gesturing for me to come over. Ignoring the glares from Hog Face, I scampered off the cabinet and sat down on the table before Aravon.
"Will you accept this Fallyn?" he asked me, looking me up and down. I was presently in my normal form, a small (only about half a foot in height) dark green-furred imp with long ears and a long tail with a black tuft at the end of it. There were also black tufts on the ends of my ears and I had a small black forelock hanging down between my eyes. All in all, I looked rather cute and innocent.
Just goes to show how deceptive appearances can be.
"Of course my lord," I replied amicably, "I will do anything you have of me. Provided of course, my master agrees."
I shot a sharp toothed smile at Hermin, rejoicing inwardly at the look of shock and horror on his face. He clearly wanted nothing more than to murder me right this second.
Oh I was enjoying this.
"What your master thinks is of no account." said Aravon, glaring at Hermin, who cowered and backed away, "Now come, we must make haste if we are to complete this task."
With that he turned and strode out of the room, his boots ringing on the stone floor. I followed, moving fast to keep up with his long strides. I was euphoric at having escaped Slimebag, and at watching him humiliated in the process.
This was turning out to be a very good day indeed...


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Cates African Ministries
HIS Kingdom Builders International
"Making God's Kingdom visible through building HIS church physically and spiritually"
Homestead website templates
Create a website today
We wanted to let you know that We are doing great things to spread HIS word in Liberia Aftrica
Things Planned for 2016 Trip
Spreading HIS Word
Visiting the schools
distributing books & supplies
Nurses clinics
Conducting Seminars for Teens
Meetings with the Church Leaders
Reading & Sun Glasses
Revivals & Special Services
About Us
Photo Gallery
Liberia Trip 2016
Our trip this year will be from Nov. 3rd until Dec. 5th and we will have a team of five. Our daughter Deb will be with us once again to conduct nurses clinics.
Joining us for the last 2 weeks will be Mike Johnson that went in May of 2015 and his wife Renee. Once again we will be visiting the schools and churches for teaching and we will have glasses clinics at each ;location and of course activities with the children. If we can ever all get together we will post a picture but we will keep you posted.
We had an ordination in a Jungle church
Had a glasses clinic.
Met some of the orphans
the services at all the churches were unbelievable, many came forward for healing and to rededicate their lives to Christ.Then there were the children
we have established a fund to help with the support of these abandoned children
In Nov. it was just Ken and Paula and it was a very special trip. We had great services plus some Baptisms also got to know some of our friends much better.


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Sorry, the link you requested no longer exists. Please find a new link in an updated version of the enotice below.
March 28, 2014
Thank you for voting us the best private school and summer camps in Greensboro in Triad Moms on Main's annual Choice Awards!
While in San Ramón, they lived for four days with local families, and visited our sister school "El jícaro 2," a rural school in the outskirts of San Ramón. Our students prepared activities to do with the children of El jícaro, including making planes, jewelry boxes, puppets and photo frames. They also delivered over 150 care packages donated during a 'drive' led by our Middle School students. Our students also visited with children at "Los pipitos", a school for children with physical and mental disabilities, helping them with activities to improve their motor skills and encourage social interaction. They spent the last three days of the trip at the finca " Esperanza verde," where they hiked several paths under the canopy of a world preserve forest. Five miles from the forest, they helped children of a rural elementary school make crafts and play baseball. During their last evening in town, a group of local musicians walked seven miles in the dark to play especially for our students.
Head's Corner: Is it Spring Yet?I can't remember the last time we experienced so many winter weather interruptions in one school year, and this has left many of you wondering if GDS students will be making up their missed snow days...
8 days to go!!!Have you registered for the 7th Annual Bengal Dash?
Metamorphoses plays April 4-6Based on the epic narrative poem by the Roman poet Ovid, Metamorphoses (or changes) looks at the transformative power of love in a series of myths...
A Night at the Drive-InThe Parents' Association's spring fundraiser is a retro-evening scheduled for April 12...
Bengal Games 17: April 3For the past 17 years, "everybody play, everybody wins," during our annual Bengal Games. Next Thursday, April 3, all Bengals (K-12) will once again take part in an afternoon of friendly competition to earn money for local charities...
Bengal Bites
Lower School
Middle School
Upper School
Head's Corner: Is it Spring Yet?I can't remember the last time we experienced so many winter weather interruptions in one school year, and this has left many of you wondering if GDS students will be making up their missed snow days.
Fortunately, a special feature of Greensboro Day School is our ability to provide students with ongoing opportunities for learning when school is closed. During inclement weather days, our faculty and students are able to stay in touch through the use of technology. Many teachers assign projects and homework in ways which allow students to continue learning seamlessly when they aren't in the classroom. Providing long-term projects and using different ways to communicate remotely, has allowed teachers to give assignments and for students to submit work and receive help. The assignments provided by teachers grow in breadth and depth from our Lower School classes to our upper grades. In this way, we are able to sustain and support our students when they are unable to be present on campus.
Our Director of Educational Technology, Dana Smith, published a blog that explains our efforts in this area in more detail. You can read it here.
Our unique ability to continue the learning process at home makes us reluctant to add days to our current school year. We appreciate the frustration cancelled days and delayed starts cause everyone, and we are in hopes the spring will provide us with opportunities to be with our students each and every day for the balance of the year.
Thank you for continuing to support our faculty as everyone works together to make the most of a difficult winter.
to the
7TH ANNUAL BENGAL DASH on April 5!
TIP OF THE WEEK: Dynamic Stretching - Walk or jog to warm-up before the race!
Metamorphoses plays April 4-6
Based on the epic narrative poem by the Roman poet Ovid, Metamorphoses (or changes) looks at the transformative power of love in a series of myths. Mary Zimmerman's play, which dramatizes nine of these myths, premiered off-Broadway (and eventually transferred to Broadway) shortly after the events of 9/11. The themes of love, death, longing, violence, suffering and redemption truly resonated with audiences then as they do now. The play won several Tony Awards in 2002.
Although this is classic material, there are a few mature themes, so the play is rated PG-13. This is a show that will stay with you, and promises to be a truly magical experience. Don't miss it! Performances are in the Sloan Theatre—tickets are $10 for adults and $7 for students. CLICK HERE TO BUY ADVANCE TICKETS. They can also be purchased at the door ½ hour prior to each performance. Public performances are Friday, April 4 and Saturday April 5 at 7:30 p.m. and Sunday, April 6 at 2:00 p.m.
The Greensboro Day production features a cast of 20 Upper School students who have done a tremendous job in capturing the humor, lyricism, drama, and the pure humanity of Ovid's timeless work, which has inspired artists, sculptors and writers through the centuries, including Shakespeare. Metamorphoses is being directed by Ruthie Tutterow, with an incredible set and lighting by Dana Lowell, original music by senior Grace Williams, and is stage managed by sophomore Jesse Burris. Students featured in the play are seniors Amina Khan, Max Kurgan, Rachel Luce, JR Hudgins, Walker Roe, Nikos Tarasidis, Patti Hazlett, Catherine Wright and Karson Bankhead; juniors Caroline Attayek, Peter Pickard, Charles Mayer, Cassie Burroughs, Kayla Reardon; sophomores Mercer Brady and Michael Jacobson, and freshmen Emily Brown, Davis Dunham, Laura Tutterow, and Emily Dean.
What's better than hot rods, an Elvis Impersonator, and fabulous auction items? We can't think of much! Plan to join us for the Parents' Association's spring fundraiser, A Night at the Drive-In on April 12. Invitations have been mailed, so please RSVP as soon as possible. YOU CAN NOW RSVP ONLINE TOO!
GOING, GOING, GONE! To follow are some of the exciting items which will be auctioned at the event...
Too Hot To Handle ItemsArgentina Dove HuntConnelly Classic Stand-Up Paddle Board with PaddleA Day at VIR with Race Car Driver Travis BouckOrthodontic Package with Dr. Chris TrentiniPeel Package with Dr. Amy JordanPortrait Session with Rebecca BouckYouScience Latitude Gift CertificateDate Night at 1618 and the Symphony in a Loaner Car from Rice ToyotaAnnual Membership to Lake Jeanette Swim & Tennis Hand-made Jewelry by Amy CrystalDinner at Greensboro Country Club
Uniquely GDS ItemsPrivate Tennis Lessons with Mr. B.Rockets & Popsicles with Mr. B Week of GDS Summer CampBengal Bookstore BasketMAD Society BasketLS Director for a Day Mani-Pedi Party with Mrs. GoodmanMovie Night at Mrs. Lowe'sAfternoon Tea at the O.Henry Hotel with Mrs. BostianGreen & Gold Day Carnival Birthday Package Library Camp-Out with Mrs. HinesDrivers' Ed Class with Mr. Head Piece of Pottery & Photography from Mr. Burroughs Upper School Student Parking Spaces
Elvis impersonator Wayne Euliss will perform classics by the "King". Learn more about Wayne on his Web site: http://wayneselvisshow.com/main.html?src=http://www.greensboroday.org/%2F
Bengal Games 17: April 3
During Bengal Games, students in grades K-12 are divided into five large teams that are named for the colors of the Olympic Rings. Each color is then divided into smaller groups that compete in team-building games and exercises in order to score points. The points earned by smaller groups are combined to make the larger team total. (For example: If Red team #1 scores 10 points, and Red team #2 scores 5 points, the total Red team score is now 15 points.) Each point earned is worth $1. The money earned from the point totals for each team will be donated to support the following charities:
The Red Team will be earning points for Triad Health Project. The Red Team is supported by Lake Jeanette Orthodontics & Pediatric Dentistry, Dr. Michael Ignelzi. Triad Health Project provides emotional and practical support to individuals living with HIV/AIDS and to their loved ones.
The Green Team will be playing for the Juvenile Diabetes Foundation. The Juvenile Diabetes Research Foundation International (JDRF) is the worldwide leader in funding research to cure Type 1 Diabetes, an autoimmune disease that strikes children and adults suddenly and lasts a lifetime.
The Blue Team will be playing for Greensboro Urban Ministries and is sponsored by Southeastern Orthopedics, Murphy Wainer Division. Greensboro Urban Ministry provides crisis intervention and emergency services through the basics of food, shelter, and clothing to individuals and families.
The Yellow Team will be playing for the United Way of Greater Greensboro and is sponsored by the Richardson Corporation. United Way of Greater Greensboro is working to advance the common good by focusing on our community's most pressing needs in the areas of Education, Income & Health.
The Black Team will be playing for Hospice & Palliative Care Center and is sponsored by Fairystone Fabrics Incorporated. The Hospice & Palliative Care Center of Alamance-Caswell provides comprehensive, compassionate care to persons who have a limited life expectancy measured in months rather than years. They also provide home health care services and counseling for children and adults.
Students, who have been at Greensboro Day School before this year, remain on the same team that they played on in years past. New students to GDS will be assigned to a group the week of Bengal Games. Students who have participated in Bengal Games know how much fun it is to see their team dressed in team colored feather boas, face paint, Mardi Gras beads, hats, and clothing, and props like clappers, signs, and kazoos – the more spirited the better! Don't forget, you can purchase Bengal Games 'Bling' in our bookstore.
On this special day, students will take part in exciting activities, such as trivia competitions, obstacle courses, egg drops and other active programs. This is a time for older students to give back to the Greensboro Day School community by encouraging and nurturing younger students. Go Bengals!
Bengal Bites:
Dear Lower School Parents,
Welcome back! What a great week it was to be in the Lower School. We hit the ground running with visitors from across the globe on Monday (Armenia, Ecuador, El Salvador and Morocco). It was refreshing to hear such objective voices talk about the critical thinking, authentic learning and curiosity nurturing going on in our classrooms. We had several requests for continued connections with both our teachers and our students.
On Tuesday, we were treated to a visit from author and alumnus parent, Betty Hicks, who shared writing techniques and engaging literature with our 2nd through 5th graders. She provided a truly delightful experience, and she ignited an interest in writing for many of our students.
Wednesday brought our first spirit day and the Elementary Battle of the Books (EBOB). It was great fun to see everyone decked out in green, gold and black for our family group meetings, and it provided a wonderful sense of support for our EBOB team. The 4th and 5th graders demonstrated admirable teamwork and literary knowledge during the competition.
One of the many reasons I enjoy the arrival of spring is that it is a tremendous time of growth for our youngest Bengals. The world is coming alive for our Bitty Bengals through 1st graders as they explore reading and writing on so many levels. Whether they are observing signs of spring or dancing in the snow (yes, both in the same week), it is a great time to be learning all about the world around them.
The Bengal Dash is April 5. Volunteer slots start at 7:00 am and finish up by 11:00 am. Give an hour or stay all day. Run AND Volunteer. There are many choices!
Notes and Reminders
Enjoy your weekend!
Dear Middle School Parents,
A "Spring" in our Steps
Although this week's weather has been more wintry than spring-like, your children have returned to activities and classes in Middle School following spring break with the kind of energy and enthusiasm that make our days productive and fun. We all look forward to warming temperatures and the colors of spring, but the definite spirit of spring is evident----what is often very predictable when we have the time to rest, reflect, and explore with family and friends. I hope that the memories of your spring break are special.
Bengal Dash Will Help Build Community and Spring Spirit
Bengal Dash is just around the corner and Parents' Association volunteers have been busy with preparations. The PA needs our help! More runners and volunteers are needed for next Saturday, April 5!
Volunteer slots start at 7:00 am and finish up by 11:00 am. Give an hour or stay all day. Run AND Volunteer. There are many choices!
Bengal Games Will be April 3
Helping all GDS students and teachers to get into the community spirit ahead of Bengal Dash, our annual Bengal Games activities are scheduled for next Thursday, April 3. The Games begin after lunch at 12:30. Please come to watch if you have not volunteered to help.
A Night at the Drive-In, April 12
We are on-a-roll in April for fantastic GDS community-building events. The annual major fundraiser is just a week away from the Bengal Dash. We should all be in "good shape" and in the appropriate spirit to gather at the Greensboro Coliseum Pavilion for live entertainment, retro food, hot rods, an auction and fun starting at 6:30. Please be sure to respond to the nice invitation we have received, or get the details on our website (CLICK HERE).
MS Junior Classical League Also Gathers on April 12
The annual Latin convention will happen mid-April as well. Kay Zimmerman has already escorted the Certamen team to the preliminary event that was scheduled on March 15 as most of us began our spring break. Not so for Ayden Hochstein, Libby Philion, Kathleen Roskelly, Gray Rucker, and Levi Smith, who represented our JCL contingency in the quiz-bowl-type competition that tests students' knowledge of culture, language, vocabulary---both Latin and English, history, and mythology. These students scored a total of 220 points, giving them a great position for the JCL competition on April 12.
Standardized Testing
Please note on your family calendars that all Middle School students will be administered the annual Comprehensive Testing Program (published by the Eduational Records Bureau), our only full-division standardized test, the mornings of April 28, 29, and 30. We will be alerting the students and you to all necessary preparations over the next two weeks. For now, please be sure to avoid unnecessary absences for those mornings. If there are medical or dental appointments made for those mornings that can be re-scheduled, please help your child by attempting to re-schedule.
Thanks for Coming Last Tuesday Evening
Many thanks to all who attended one or more of the important parent information sessions that we offered last Tuesday. We hope you feel really good about next year in Middle School or about the plans which were shared about the 8th grade trip to Washington, DC. Any materials which were handed-out that evening will be sent to those of you who could not attend.
Dear Upper School Families,
Happy 4th quarter! As you already know, today teacher/advisors, students, and parents are conferencing throughout the day. This is an opportunity for both reflecting upon each student's progress, as well as planning for the year ahead. One of the privileges of an independent school education is having the opportunity and resources which allow us to provide thoughtful, personalized academic advising which meets the interests, talents, and needs of our students. Thank you for making time in your own schedule to join us in this important work.
Looking ahead to next week I want to call your attention to several events that are a hallmark of springtime in Bengal Nation.
Our spring play—Metamorphoses—opens April 4 and runs through April 6. Tickets are available by following this link or visiting www.gdsbengals.org.
On the afternoon of Thursday, April 3 the entire school will participate in our annual Bengal Games, which raises funds for five different charities (read more here). Although Upper School classes are suspended for the day, students will be treated to a preview of Metamorphoses and a talkback with some of our student actors, before it opens Friday evening. Houses will also participate in the grand finale of "House Games," which began in early January with a series of elimination rounds during which advising groups competed with each other in order to advance to semi-final rounds between Houses in early February.
Then on Saturday, April 5 is the Bengal Dash . Volunteer slots start at 7:00 am and finish up by 11:00 am. Give an hour or stay all day. Run ANDVolunteer. There are many choices! Volunteer Questions - contact Laura Hochstein email@example.com or 336 880 3644. Bengal Dash Questions-contact Lana Greenberg firstname.lastname@example.com or Rebecca Coltrane firstname.lastname@example.com.
Both Bengal Games and Bengal Dash offer our students, teachers, and families important opportunities to celebrate the richness of our community while being of service to others. I suspect the notion of being of service to others might get lost in the messaging as we focus on the qualities of team spirit and competition that characterize these events. Yet, ultimately, the gift of both of these days resides in their capacity to build enduring connections between students from across the grades as we act in service to others.
Lastly, in our ongoing efforts to enhance the quality of our advising program we will continue to offer students the option of requesting a different advisor for the coming year. To that end, an e-mail is being sent to all Upper School students on Monday, March 31, which includes an advisor change request form. If you and your child would like to request an advisor change for the 2014-2015 school year, please encourage your child to complete the Upper School Advisor Request Change Form and return it to his or her dean no later than Monday, May 5. We will review each request and use the information from each form to match students with a new advisor.
Warm regards,
The 2014-15 General Calendar is now available.
Summer 2014 is LIVE! Get ready for a SUMMERPALOOZA of fun...CLICK HERE.
Grades 1-11
Kids' Dash, 1-Mile Fun Run, 5K
Washington, D.C.


text: Obesity Ohio Ranks 8th In Nation On Adult Obesity By Alison Holm • Sep 21, 2015 Nearly a third of adult Ohioans are considered obese, according to a survey from the Trust for America's Health. Ohio Ranked 12th For Obesity By Jim Letizia • May 29, 2015 Ohio is ranked 12th on a list of the nation's most-obese states. Ohio Again Ranked High For Adult Obesity By Jim Letizia • Aug 16, 2013 The Centers for Disease Control again ranks Ohio as one of the nation's most obese states. Long Term Obesity Creates Greater Health Risks By Jim Letizia • Jul 17, 2013 A study conducted by Columbus Public Health shows more than 60 percent of adults in Franklin County are considered overweight or obese.


text: federal disaster relief Snyder Appeals Obama Denial Of Flint Disaster Declaration, As House Approves $28-Million By Jake Neher • Jan 20, 2016 MPRN (MPRN-Lansing) Gov. Rick Snyder is asking the Obama Administration to change its mind and declare a major disaster in Flint. White House Declares Emergency in Flint By Gordon Evans • Jan 17, 2016 "President Barack Obama has declared that an emergency exists in Michigan, the White House said Saturday, but he denied Gov. Rick Snyder's request to also declare a major disaster in Flint." (Detroit News) White House Approves Disaster Relief for Detroit Area By Gordon Evans • Sep 26, 2014 President Obama's declaration will free up federal funds for relief from storms in August Snyder Requests Presidential Disaster Declaration for Detroit Area Flooding By Gordon Evans • Sep 18, 2014 Letter says flooding cased $1.1-Billion in damages Federal Emergency Relief Funds Approved for Michigan Flooding By Gordon Evans • Aug 21, 2014 WMUK The U.S. Transportation Department has approved $750,000 in emergency relief for flooding in Southeast Michigan.


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Lovely River View room in quiet neighbourhood
Спальные места2
Ванные комнаты1
Площадь20 м²
Этаж №
- Полотенца
- Парковка
- Завтрак
- Интернет
Краткое описание жилья
|Chiswick Quay, W4 3UR London, Великобритания
|Тип жилья
|Отдельная комната
|ID жилья
This comfortable, cosy room is located in Chiswick, with both the river and train station nearby.
It is a cosy double bedroom, including a double bed for double or single occupancy. Desk, wifi, plasma TV, electric kettle, fridge and
microwave are also provided, and the bathroom with toilet and shower is shared which is kept clean and tidy.
It is a perfect place to stay if you like familiar environment and you look for a comfortable and economic
place to stay!
Правила Проживания
|Цена за неделю (1 гость)
|22248 руб.
|Цена за месяц (1 гость)
|78289 руб.
|Цена за 1 гостей
|1155 руб. за одну ночь/ дополнительная ночь
|Заезд после
|По договоренности
|Заселение до
|По договоренности
|Отъезд до
|По договоренности
|Политика Отмены Брони
Обзор других предложений от этого хозяина
Another great few days in chiswick with Vicki and Chris - the perfect hosts.
Had an excellent stay with Vicki and Chris. A beautify home in a lovely area very convenient to Chiswick High Road and easy to get into the city. They were great company at breakfast. I'll definitely be back.
Great place
Great location
Great people
Thank you very much
Regards John
Thank you to Vicki for friendly meeting , the room I booked was occupied but I got upgrade to better option my apologise for any misunderstanding ( I thought the visitors rights for Windu users are same as in hotels )
we had a very nice stay at vickis and chris' cozy house over the weekend. they both are very friendly and funny and gave us good hints for our stay. also their two little siamese cats made us feel at home. the room was comfy and clean and had a big nice window and everything we needed. the breakfast was very tasty and plentiful. there are several ways to get to central london, all take about half an hour, but also staying in chiswick and the local area (kew botanical gardens e.g.) can be a nice option apart from the tourist hustle. the heathrow airport is also barely half an hour away. when we are in london again, we will definitely come back.
My stay at Vicki's house was absolutely fantastic!!! The atmosphere was great, neighborhood quiet and peaceful, perfect for anyone. Accomodation was brilliant, with huge house and cosy room with many needful things included (microwave, tv, wi-fi) and wonderful view on river Thames . Vicki and her family are wonderful people and incredible hosts. I spent only one day with them but I was treated like long-time friend of the family. We had a delicious breakfast and nice chat. I regret I couldn't stay longer :) ! I would reccomend this accomodation to everyone - it's really nice and friendly, and of course I hope I can come back one day and spend more time with those amazing people. Many thanks!
I stayed at Vicki's while working my last week in London.
I must say the room is very warm, comofrtable, with a lovely view. As for the hosts, they could not be any nicer, serving up a good hearty breakfast and sharing an enjoyable chat over a coffee.
It is situated in a lovely area right next to the Thames and Chiswick High Road is only a short bus journey away. Overall I am very pleased with my decision to stay here.
I did the right thing in choosing Vicki's place for my stay. The room was clean, comfortable, warm, and had a full view of the Thames. The area is very tranquil with good fresh air.
The hosts are a very kind 100% English old couple who recite in plays and participate in poetry competitions as a pastime. They even came to pick me up from the station since I was unsure on how to get there.
Very accommodating. Met every expectation.
A very homy accomodation in a charming environment, and hosts who made my stay in London a most pleasant experience. A place I can only recommend.
- Гарантировать качество жилья
- Проверить каждого принимающиего Вас хозяина по телефону
- Обеспечить безопасную оплату через шифрование на базе SSL


text:
Aveeno's Ultra Calming Nourishing Night Cream is designed for people with sensitive skin (that is, skin that experiences redness and irritation). Though it has positive aspects that will certainly help with such sensitive skin concerns, its overall lackluster formula — and not-so-great packaging — mean it just doesn't rank among the best products.
Ultra Calming Nourishing Night Cream comes in a plastic jar with a screw-top lid. That's one of the main reasons it earns an average rating, since jar packaging means the beneficial ingredients this contains won't be protected from light and air once this is opened. See More Info for details on why jar packaging isn't a good idea for most skincare products.
The cream itself is fragrance-free, and contains emollients that will make skin feel smoother and soothed, and help repair its barrier. It also has oat flour and feverfew extract, which have research showing they can help reduce irritation. Overall though, the formula is lacking in what can really help sensitive, reddened skin improve. A greater number of skin-conditioning and skin-repairing ingredients, anti-irritants, and antioxidants would go a long way to helping improve skin's barrier and at the same time reduce inflammation.
While Ultra Calming Nourishing Night Cream isn't a bad moisturizer, because of its jar packaging and pared-down formula, it's one we can't recommend with enthusiasm. You'll find much better options on our list of Best Moisturizers (which includes many options for sensitive skin!).
Jar Packaging: The fact that it's packaged in a jar means the beneficial ingredients won't remain stable once it is opened. All plant extracts, almost all vitamins, antioxidants, and other state-of-the-art ingredients break down in the presence of air. Therefore, once a jar is opened and lets the air in, these important ingredients begin to deteriorate. Jars also are unsanitary because you're dipping your fingers into them with each use, adding bacteria that further deteriorate the beneficial ingredients.
The vast majority of ingredients that are most beneficial for your skin are not stable in the presence of light and air, which is exactly what happens when you take the lid off a jar (Pharmacology Review, 2013 & Journal of Biophotonics, 2010).
One of the critical factors in any anti-aging or skin-healing formula is the amount and variety of antioxidants, cell-communicating ingredients, and skin-repairing ingredients, and the more the better. These function in a variety of ways to reduce the effects of the constant environmental stresses your skin experiences (Dermatology Research and Practice, 2012 & The Journal of Pathology, 2007).
Once you open that jar you bought, you immediately compromise the stability of the anti-aging superstars it contains. (You can visualize their benefits disappearing like puffs of air each time you open up that lid!)
Aveeno At-A-Glance
Strengths: A few good cleansers and sunscreen products; fantastic Skin Relief Healing Ointment and soothing bath wash products; a handful of well-formulated baby-care products.
Weaknesses: Well-intentioned but ineffective anti-acne products; reliance on a single showcased ingredient (typically soy) that makes their anti-aging products less enticing than the competition; ineffective products to address hyperpigmentation; formulas packaged in a jar won't remain stable.
Beginning with its first product in 1945, Soothing Bath Treatment, still sold today as part of the company's Baby line of products, Aveeno has prided itself on using natural ingredients. In some ways, they were a pioneer in the field, though for years the only natural ingredient of note in their products was oatmeal. Consumer products giant Johnson & Johnson purchased the brand in 1999, and wasted almost no time expanding it. A handful of bar cleansers and bath products were spun off into complete collections of facial-care products and an ever-growing number of body lotions and washes, not to mention shaving gels (Aveeno is one of the few companies whose shaving gels are truly fragrance-free).
Not surprisingly, many of the facial-care products from Aveeno are similar to those from Johnson & Johnson–owned Neutrogena. The differences typically lie in the natural ingredients each brand promotes. A cornerstone ingredient for Aveeno is soy, while Neutrogena has experimented (with varying degrees of success) with copper, retinol, salicylic acid, and melibiose. Overall, Neutrogena has a much larger and more comprehensive selection of products, though their formulas are also more problematic. Aveeno would do well to diversify a bit, or at least acknowledge that it takes more than a single star ingredient to provide superior skin-care products. As is, most of their anti-wrinkle products don't compete favorably with the more well-rounded options, not just from Neutrogena but also from Olay, Dove, and, in some respects, L'Oreal.
Getting back to the issue of soy, you'll see from the reviews it is indeed a helpful ingredient for skin—just not in the same multifaceted, does-everything manner Aveeno touts on each soy-containing product's package. A big proponent for Aveeno's use of soy is dermatologist Dr. Jeannette Graf. She is quoted on Aveeno's web site, stating that "It is now clear that the ability of natural soy to deliver multiple benefits to skin plays a lead role in high performance skin care." That sounds great but it doesn't explain why Aveeno ignores research on countless other antioxidants, skin-identical ingredients, or cell-communicating ingredients, all elements Dr. Graf uses in her separate, namesake product line. Interestingly, with Graf's own products relying on a blend of efficacious ingredients, including soy, it's a good question why she decided to endorse Aveeno's one-note soy products.
The bottom line is that when it comes to shopping for skin-care products at the drugstore, Aveeno, for all its talk of being a leader in "Active Naturals," doesn't have the all-inclusive product assortment needed to take the best possible care of your skin. However, paying attention to their top offerings is time (and money) well-spent!
For more information about Aveeno, owned by Johnson & Johnson, call (866) 428-3366 or visit www.aveeno.com.
The Beautypedia and Paula's Choice Research teams have one mission: To help you find the best products for your skin, whether they're from Paula's Choice or another brand. By combining efforts, we're able to share scientific research and remain committed to the highest standards based on our decades of experience objectively reviewing thousands upon thousands of skincare and makeup formularies in all price ranges.
Beautypedia cuts through the hype to bring you product insights and recommendations you won't find anywhere else!


text:
All reader reviews by Anonymous
Addie's Thai
Rude arrogant staff. Booked a table for 3 and arrived early and was told that I had to wait by the door as no tables were available. Watched 6 subsequent walk-ins get seated. I asked again to be seated as I wanted to order a drink and was told that I could not sit down till the rest of my table arrived...! No offer of a drink or a menu to look at. At the reservation time one more of my table arrived and still they would not seat me. The explanation of it being policy was spat out at me as I enquired why this was not explained when I made the reservation and indeed why they bothered to take the reservation at all. When I mentioned that the third diner was going to be late, they told me I should have called everyone to make sure they were going to be on time and if one was not, I should push back the reservation. When I pointed all this out to the Manager I was told that "all restaurants in London now do this" and that if I did not like it I could cancel the table.
Basically these rude greedy people would rather have every seat filled at all times with whoever comes first than offer the elegant service for which Thailand is so famous.
Needless to say I walked out having been in the restaurant for 20 mins without even being able to sit at my reserved table...
Thursday, May 15, 2008
Overall rating
Food 0 | Service 0 | Atmosphere 0 | Value for money 0


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Welcome to Field Farm
At Field Farm your horse will be treated like one of the family and so will you! We have taken an almost derelict former dairy farm and transformed it into a superb rural destination for the whole family. Located between Mumby and Hogsthorpe, on the East Coast of Lincolnshire, Field Farm is set in over 60 acres and benefits from being a little over a mile from the nearest beach!
Our facilities include; Livery yard and equestrian centre , 1.2 mile cross country course, coarse fishing lake and facilities so that you can bring your horse on holiday with us.
Please browse this site to find out much more about us. You can also 'log in' and share your pictures and memories, or browse our Photo Gallery. We hope you enjoy our website.
View our Promotional Video to see some of what Field Farm can offer...[see more]
Anyone thinking about going to field farm just book it it's amazing! You and your horse/pony will ... [read more]22/08/2016 by Katie
Recent visitors have rated OUR LOCATION as; 84 ratings so far
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Came for a night last weekend and have to say we had an amazing time - facilities are fantastic and ... [read more]03/06/2016 by Senita
Recent visitors have rated THE BEACH as; 84 ratings so far
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Hello please can I hire the xc course Tuesday evening roughly around 5.30 ish ?... [read more]09/05/2016 by Becky
Recent visitors have rated THE BEACH as; 84 ratings so far
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