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Good morning! Here's a look at how AP's general news coverage is shaping up today. Some plans are subject to change; see the 2 p.m. News Digest for updates. Some plans subject to change. You can find our contact info at the bottom of this advisory. All times EDT
Among today's coverage highlights as we see them at 10:15 a.m. EDT:
— EGYPT-PLANE (sent; developing)
— ISRAEL-DEFENSE MINISTER (sent; developing)
— DEM 2016-SANDERS (upcoming)
— GOP 2016-TRUMP'S TOUR (upcoming)
— FOOD LABELS (sent; developing)
— ZIKA-PREGNANT WOMEN (upcoming)
— OBIT-JOHN BERRY (sent; developing)
— BRITAIN-PALACE INTRUDER (sent)
— SOUTH AFRICA-SICK MINERS (sent)
— MUSIC-BEYONCE'S COUNTRY SONG (sent)
— EGYPT-PLANE-PASSENGERS (upcoming)
— EGYPT-PLANE-SCENARIOS (upcoming)
— EGYPT-PLANE-AIRPORTS (upcoming)
Here are details of those stories, plus others we have in the works for today and notable pieces that we sent in the past three hours (all times EDT):
EGYPT-PLANE – Egyptian air and naval forces have spotted a body part, passengers' personal belongings and other debris from EgyptAir flight 804 that crashed in the Mediterranean Sea, killing 66 passengers and crew who were en route from Paris to Cairo, the Egyptian army and Greek defense minister said Friday. SENT: 670 words, photos, video. UPCOMING: Developing. With EGYPT-PLANE-PASSENGERS: Brief profiles of some of the passengers (upcoming); EGYPT-PLANE-AIRPORTS: A look at security at the airports the plane had recently visited (upcoming)
EGYPT-PLANE-SCENARIOS- While details are still scarce, what's known of the erratic moves of EgyptAir flight 804 before it crashed in the Mediterranean Sea suggests the cause was human rather than mechanical, aviation experts say. UPCOMING: 800 words by 11 a.m.
ISRAEL-DEFENSE MINISTER – Israel's defense minister announced his resignation on Friday, saying the governing party had been taken over by "extremist and dangerous elements" and that he no longer trusted Prime Minister Benjamin Netanyahu following reports that he was to be replaced. SENT: 900 words, photos.
NIGERIA-KIDNAPPED GIRLS – Nigeria's military reports rescuing a second Chibok schoolgirl from Boko Haram, but a community leader says she is not on list of 218 students missing from the 2014 mass abduction. SENT: 300 words, photos.
PARIS ATTACKS – The last known survivor of the team that carried out last November's Paris attacks, Salah Abdeslam, refused to talk during questioning Friday by anti-terror judges amid frustration at 24-hour video surveillance of his cell, his lawyer said. SENT: 450 words, photos. UPCOMING: May develop.
EUROPE-TURKEY – European Union nations have agreed to make it easier to suspend its visa waiver program with some countries, just as Turkey is trying to secure visa-free travel for its citizens. SENT: 440 words, photo.
SOUTH AFRICA-SICK MINERS – Thabang Moorosi, who used to run marathons but now struggles for his breath, is one of tens of thousands of miners preparing to sue some of South Africa's largest gold mining companies now that the courts have cleared the way for a class action suit for mine workers who have contracted lung diseases. SENT: 700 words.
BRITAIN-PALACE INTRUDER – A convicted murderer climbed over a wall and wandered the grounds of Buckingham Palace while Queen Elizabeth II was at home, British prosecutors said Friday. SENT: 250 words, photos.
DEM 2016-SANDERS – Bernie Sanders delegates admit the Democratic Convention next month may be a less-than-peaceful affair. His supporters think they have an outside shot of making Sanders the nominee through a floor fight and will back him as he tries to change the party's platform and process. UPCOMING: 650 words by 4 p.m., photos.
GOP 2016-TRUMP'S TOUR – Call it Donald Trump's "Trust Me" tour of the Republican establishment. The lone survivor of a riotous GOP primary is giving wary GOP leaders reasons to sign on to his campaign, an effort to reassure them he's a conservative and will support the party. But in typical Trump style, there's a demand: The party must be respectful of him. UPCOMING: 700 words by 4 p.m., photos
UNITED STATES-IRAQ – The top U.S. commander in Baghdad says the retaking of the small western town of Rutba from two years of Islamic State occupation was an important morale booster for Iraqi forces. The victory allows for the reopening of the main road from Amman to Baghdad. SENT: 651 words, photos. UPCOMING: Developing.
DREW PETERSON – Jury selection is set to begin in the murder-for-hire trial of a former suburban Chicago police officer accused of plotting to kill the prosecutor who put him behind bars in his third wife's death. SENT: 460 words, photo. UPCOMING: Developing from jury selection, scheduled for 10 a.m.
CHICAGO-BODIES FOUND – Police announce in the February slayings of six family members found in a Chicago home, alleging that a cousin and his girlfriend committed the "unspeakable act" in what started as a robbery. SENT: 510 words.
OKLAHOMA-WORKPLACE BEHEADING – An Oklahoma man accused of beheading a co-worker and attacking another person at a food processing plant is due in court to enter his plea on a first-degree murder charge. SENT: 130 words, photo. UPCOMING: Developing from 10 a.m. hearing.
FATAL FIRE-MURDER CHARGES – State investigators say five people found dead in a south Georgia house fire were actually shot and the blaze was set to cover up those crimes. SENT: 120 words. UPCOMING: Developing.
WRESTLER-GIRLFRIEND'S DEATH – Jimmy "Superfly" Snuka is due back in court for day three of a hearing to determine if he's competent to stand trial on charges he killed his girlfriend in 1983. SENT: 130 words. UPCOMING: Developing from 1:30 p.m. hearing.
OHIO BODIES – A Cleveland jury is deliberating on whether to recommend the death sentence for a man convicted of killing three women and wrapping their bodies in garbage bags. SENT: 130 words. UPCOMING: Developments uncertain.
THREE KILLED-SOUTH CAROLINA -Authorities say a man charged with three counts of murder in a slaying in rural South Carolina now faces two additional counts stemming from the death of unborn twins one of the victims was carrying. SENT: 340 words.
DRAG RACING DEATHS — A teenager who participated in a drag race that killed five people may have hurt his chances for leniency with a series of insensitive social media posts, including one that disparaged police and another that said, "I'll be in and out faster than you can spin a doubt." SENT: 130 words. UPCOMING: 500 words by 3 p.m.
FOOD LABELS – Nutrition facts labels on food packages are getting a long-awaited makeover, with calories listed in bigger, bolder type and a new line for added sugars. SENT: 680 words. UPCOMING: Developing from 11 a.m. White House event.
ZIKA-PREGNANT WOMEN – The number of pregnant women in the United States infected with Zika virus is suddenly tripling, due to a change in how the government is counting cases. Previously, officials have reported how many pregnant women had both Zika symptoms and positive blood tests, but in a change announced Friday, the Centers for Disease Control and Prevention will count all women who tested positive — regardless of whether they had suffered symptoms. SENT: 130 words. UPCOMING: Developing.
AFRICA-ZIKA VIRUS – Health officials say they have confirmed that the Zika virus in Cape Verde island off the western coast of Africa is the same one infecting people in the Americas. SENT: 130 words. UPCOMING: Developing.
KRATOM BAN – Legislators, law enforcement and researchers seem to be racing to catch up to the dietary supplement kratom. The plant, which was banned in Alabama this week, is praised as a natural alternative to chronic pain but others argue it's a dangerous alternative for opioid abusers. UPCOMING: 700 words. Pursuing photos
OBIT-JOHN BERRY – Founding Beastie Boys member John Berry dies at 52. SENT: 130 words. UPCOMING: Developing.
MUSIC-BEYONCE'S COUNTRY SONG – When Beyonce dropped a country tune inside her new visual album "Lemonade," it was the biggest crossover news in country music since Justin Timberlake brought down the house at the Country Music Association Awards last year alongside Chris Stapleton. SENT:
USA SWIMMING-ZIKA – USA Swimming has moved a pre-Olympic training camp out of Puerto Rico because of the Zika virus. There are no plans to bail on the Summer Games in Brazil, even though that country has been the epicenter of the outbreak. SENT: 880 words, photos.
At the Nerve Center, Alexandra Olson can be reached at 800-845-8450 (ext. 1600). For photos, Alyssa Goodman (ext. 1900). For graphics and interactives, Phil Holm (ext. 7636). Expanded AP content can be obtained from http://www.apexchange.com. For access to AP Exchange and other technical issues, contact firstname.lastname@example.com or call 877-836-9477.


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subset: commoncrawl


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Ihab Tarazi joined Equinix in 2013 and serves as EVP & Chief Technology Officer, leading the technology and innovation function, driving the company's cloud initiatives and engagement with the technology industry. He is responsible for the next-generation data center and interconnection architecture supporting open-source innovation, and new edge technologies. Ihab was instrumental in the development of Equinix Cloud Exchange (ECX) and integrating the platform with leading cloud service providers. Ihab is recognized as an industry leader on cloud computing, next-generation network architecture, IoT, submarine cables, and wireless technologies.
Ihab serves on the Board of Directors for NeoPhotonics (NASDAQ: NPTN) and is a member of the Open Compute Project (OCP), serving as co-chair of the Open Optical Packet Transport (OOPT) working group in the Telecom Infra Project (TIP).
He joined Equinix from Verizon, where he was Vice President of Enterprise Network Services, responsible for product management, strategy, technology and development for Verizon network products. During his tenure at Verizon, Ihab led engineering and technology functions for Verizon's global IP network and fiber-to-the home (FIOS). Ihab drove many industry-first innovations and global platform expansion.
Previously, Ihab served as VP of Technology at MCI, as Chairman of the Board for Metro Ethernet Forum (MEF), Chairman of the Board for the Southern Cross Submarine Cable System and a board member of the Australia Japan Submarine Cable System.
Ihab earned a master's degree in telecommunications management from Southern Methodist University and also earned a B.S. in electrical engineering and telecommunications from the University of Maryland.


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3 phases: Initial internet based questionnaire mostly about behaviors, then if you are successful you are usually invited to one of P&G facility depending on the role you are applying for (can be anything from plant, DCs, Head Office..) for another numerical and analytical questionnaire (around 1hr). Finally, if you are above the required score, you have another two interviews with two people each asking questions. Usually these set of questions are quite similar and make sure to cover your experience. So be ready to have everything on your resume in mind and that you can smoothly pick up specific example to show them how good you are.
Interview Questions
Helpful (9)
I applied online. The process took 4 weeks. I interviewed at Procter & Gamble (London, England (UK)).
Starts with online application with numerical and situational questions.
If this is passed, you are invited onto site to complete a numerical test, if this is passed you will be allowed to have a 1:1 interview with senior management, mainly consisting of competency questions.
Interview Questions
I applied online. I interviewed at Procter & Gamble (London, England (UK)).
I applied online through P&G website, and also through my college internship program. The position was process engineering internship. The online questions were shapes in patterns and the answers seemed to me to be all based on how many sides the shapes had. there were times when colours were introduced but nothing to difficult. The interview was over the phone with an engineer, I had prepared for a HR person to interview because it seemed like that was what was going to be the case from the emails I got before hand. I was asked a lot about myself and then at the end I was asked some hypothetical problem solving questions.
Interview Questions
Helpful (2)
I applied online. I interviewed at Procter & Gamble.
Tell me about a time when you had to convince someone to change their opinions
Interview Questions
I applied through college or university. The process took 6 weeks. I interviewed at Procter & Gamble (Glasgow, Scotland (UK)) in January 2012.
Applied via online application. Sat two psychometric tests (both easy). Got to final interview and was denied
Interview Questions
I applied online. The process took 2 weeks. I interviewed at Procter & Gamble (Newcastle, England (UK)) in June 2011.
1. Online test - Maths and Problem Solving
2. Interview with HR - to make sure that you fit with the company's values, can confidently speak about your skills and experience and come across well
3. Interview with Senior Manager (band 3) and HR - similar questions to HR interview but also a chance to ask more about the role and site
Interview Questions
The process took 1 day. I interviewed at Procter & Gamble (London, England (UK)) in February 2011.
Online cv upload, online questtionaire, psychometric test online, psychometric test in person, one to one competency ineterview but the guy did ask me some stuff going towards technical questions. Everybody was really pleasant and they got back to me pretty quick with an offer. Interview was on site as well so got to see where I would actually work.
Interview Questions
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Cannabis Blog
White Rhino (Hybrid)
A spinoff of the world-famous White Widow cannabis strain, White Rhino is a dominantly Indica hybridized marijuana strain. It has been created by blending some of the finest characteristics from Brazilian, Indian and Afghanistani strains. It is a cross between White Widow and an unknown strain from North America. White Rhino medicinal cannabis, like White Widow weed, is loaded with mind-loving crystalline THC resin glands.
The Ultimate Prop 64 California Marijuana Legalization FAQ
Wait, so what happened?
California legalized marijuana. Proposition 64 passed by a margin of 56 percent to 44 percent.
You're shitting me.
Nope. The sixth-largest economy in the world just legalized cannabis.
And it was called Proposition 64?
It was on the ballot in California along with the presidential election. The state passed medical marijuana in 1996. Six years ago, there was a valiant attempt to make it all legal. That initiative lost narrowly. Activists went back to the drawing board and put together what was intended to be a model of the form, the mother of all marijuana legalization initiatives. It was a tough fight, but attitudes toward marijuana are shifting so fast that, with the benefit of hindsight, it was clear the opposition never had a chance.
Read More:http://hightimes.com/news/the-ultimate-prop-64-california-marijuana-legalization-faq/
It's That Time.
Shel Silverstein - The Great Smoke Off
Mom Charged for Treating Her Daughter's Seizures with Marijuana Butter
Last month, Kelsey Osborne of Gooding, Idaho, had her children taken away from her after she gave her daughter a smoothie with marijuana butter in an attempt to stop her severe seizures.
A month has passed and her two children are still living with their father. Kelsey is is trying to get them back.
"I didn't ever think it would come down to this, but it did," Osborne told KTVB. "It tore me apart."
Her 3-year-old daughter Madyson has a history of seizures, but they became worse than ever in October.
"They would stop and come back, stop and come back with the hallucinations and everything else," Osborne said.
Read More:http://hightimes.com/news/mom-charged-for-treating-her-daughters-seizures-with-marijuana-butter/
Denver Appears To Legalize Marijuana Social Lounges
Voters in Denver appear to have approved a pilot program legalizing marijuana lounges, though the vote tally remained uncomfortably close on Wednesday.
The City of Denver Cannabis Consumption Pilot Program, on the ballot as Initiated Ordinance 300, was leading by less than half a percentage point, 100,284 votes for to 96,893 votes against, according to results on Wednesday afternoon.
If this result holds and the measure passes, Denver will have finally solved the problem of where its recreational cannabis users are supposed to smoke—four years after marijuana was legalized for adults 21 and over.
Read More:http://hightimes.com/news/denver-appears-to-legalize-marijuana-social-lounges/
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Smiths DetectionPart of Smiths Group
Smiths DetectionPart of Smiths Group
I applied through a recruiter. The process took 2+ months. I interviewed at Smiths Detection (Alcoa, TN) in January 2009.
use a recruiter
Interview Questions
used a recruiter - they made a take it or leave it offer
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Baltimore: Or, the Steadfast Tin Soldier and the Vampire (Hardcover)
Or, the Steadfast Tin Soldier and the Vampire
Bantam Books, 9780553804713, 285pp.
Publication Date: August 28, 2007
Why do dead men rise up to torment the living? Captain Henry Baltimore asks the malevolent winged creature. The vampire shakes its head. It was you called us. All of you, with your war. The roar of your cannons shook us from our quiet graves . You killers. You berserkers . You will never be rid of us now.
When Lord Henry Baltimore awakens the wrath of a vampire on the hellish battlefields of World War I, the world is forever changed. For a virulent plague has been unleashed a plague that even death cannot end.
Now the lone soldier in an eternal struggle against darkness, Baltimore summons three old friends to a lonely inn men whose travels and fantastical experiences incline them to fully believe in the evil that is devouring the soul of mankind.
As the men await their old friend, they share their tales of terror and misadventure, and contemplate what part they will play in Baltimore's timeless battle. Before the night is through, they will learn what is required to banish the plague and the creature who named Baltimore his nemesis once and for all.
About the Author
Praise For Baltimore: Or, the Steadfast Tin Soldier and the Vampire…
"Final word: Mignola's stark black-and-white illustrations are an excellent complement to Golden's words in that rarest of supernatural novels: an original vampire tale."—Rocky Mountain News
"Baltimore is an old time rootin' tootin' sense of wonder story dragged through a modern blender, then slow baked in hell. I loved it. It was velvet bullet—speedy and rich in sensation. Go boys, go."—Joe R. Lansdale
"With Baltimore, Mike Mignola and Christopher Golden lay siege to the reader's imagination with a grim battalion of gothic images and a thunderous barrage of narrative artillery. This is not a novel: it's a war machine. Surrender immediately."—Joe Hill, author of Heart-Shapped Box
"I have admired Mike Mignola both as an artist and as a tremendous story teller pretty much since his career began. In this collaboration with Christopher Golden, it's fair to say he surpasses himself. He and Golden have produced a witty classic of supernatural fiction."—Michael Moorcock, bestselling author of The Elric Saga
"Co-authors Mike Mignola and Christopher Golden brilliantly cross the evocative dread of early supernatural writers Algernon Blackwood and Ambrose Bierce with the inventive, in-your-face horror of contemporary counterparts Stephen King and Bentley Little."–Omaha World Herald
"A haunting allegory on the nature of war.... Stark monochromatic illustrations from Mignola enhance this dramatic tale of war and fear."—Publishers Weekly
"Outstanding.... Mike Mignola's outstanding black-and-white illustrations turn the book into a beautiful object and add to its overall storybook quality. He and Golden have outdone themselves with Baltimore, a gorgeous, haunting tale that may well become a classic."—Fangoria


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Ya, I think it was mother nature's way of saying sorry dudes.
It took weeks to clean up that mess.
JB Sparks wrote:Smitty, got any pictures of the same areas in the summer or winter? I would vote for those for the Mass Header Image.
Yup, that will get my vote.SMITTY wrote:Here's a spring one. Same as second pic down...
mr1precision wrote:These pics were taken down the street from my house. Its the Wachusett Reservoir looking toward Mt. Wachusett at sunset.
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text:
Working in the studio on a collection of ceramic samples / plates I hope will turn out well. It might then be a part of my upcoming project Artmoney Nord.
We'll see…
Working in the studio on a collection of ceramic samples / plates I hope will turn out well. It might then be a part of my upcoming project Artmoney Nord.
We'll see…
Just launched 2 creative weekends:
June 10 – June 11: Mixed course course
A wild and inspiring weekend where we'll throw all imaginable materials on the table – add and subtract, play with composition, opposition, and simplification – and glue, sew, bind, immerse and transform it all – into lovely picture boards and / or artists' books. 😉
24-25. June: Universal and Spiritual Symbols
Here we'll work with patterns like the MANDALA and FLOWER OF LIFE. As it's summertime and the garden in full bloom, we also take a special detour looking at relationships between nature and geometry – based on Keith Critchlow's "The Hidden Geometry of Flowers".
Both courses are hands-on/ creativity-in-practice and take place at my studio G13 in Aarhus. Limited number of seats. Registration and further information – here – or on mobile (+45) 21471871
One week trip to Berlin, one of my recurring "destinations". So great to be here – but really really cold – not much spring feeling here! It is absolutely necessary to go indoors to have coffee – where we "usually" sit outside. Fortunately, I have had the best company. Emilie joined me to Berlin, as a well deserved break after her recent graduation as a journalist.
We have sucked inspiration in flea markets, museums, concerts and music installation / performance – and colleced a good stock of old posters and other "stuff" that will be included in upcoming collages / artworks.
I'm full now and only looking forward to coming home and just be at my atelier!
Good news for ARTMONEY NORD: We've got a "yes" from Bornholm, they'll support the project!
We have also got an appointment with Dokk1, Aarhus' amazing and beautiful new multimedia house, perfectly located on the waterfront. We even have our appointment in the Aarhus Festuge/ Festival Week (= last week in August). Just tell me, how lucky can you be?
As you probably all know, Aarhus is European Capital of Culture in 2017 so here's a fierce competition for all the good venues and for resources in general. However, we're now in the lucky position of having access to Demokrateket a flexible area right at the entrance at Dokk1, where we can combine both exhibition, workshop and debate. What a challenge!
This weekend I have just started to write text and find images for the festival program, a good – and free – media platform to communicate our project from. And as mentioned, I also have to seek funds for the organization of workshops, artists' talks, etc. Wonder if I ever run out of things that need to be done? 😉
My "Indian pictures" is now on display at Café Gaya in Aarhus for the next two months. I'm pleased how well my "Indian palette" works with the apricot-colored walls, so drop by and see for yourself.
The café has a nice, warm atmosphere, a good and ecological cuisine. You can enjoy everything from green tea and cakes, to hot soup, dinner buffet – and events like live music, lectures focusing on spiritual subjects and self development, and now also my paintings.
A few photos of my beautifully renovated studio. All fine, clean and tidy – the place is almost unrecognizable!
Right now the room resembles more of an art gallery than the working space of an artist.
My atelier is open today from 11 to 17 where I'll show some of my latest works and tell stories from my recent India trip. (In a gentle ambience of spiritual, meditative Indian music, incense, served with fresh herbal tea, coffee, home baked rhubarb pie and ginger biscuits.
Welcome in my atelier! 😉
While I have been in the Himalayas to meditate and make pictures, my sweet father has been engaged in paintbrush, floor planer and oily rags here. My studio has become so fine and delicate you can hardly imagine! I'm in a process moving tables and stuff back into the room – without overloading and messing it up as the way it was before. I want to keep it a clear, light and inspiring space for meditation and creation!
You're hereby invited to come and enjoy my "brand new" atelier and a presentation of my Indian Images this weekend where 60 local artists have OPEN DOORS to their studios and ateliers.
See more here 😉


text:
Andy Warhol's 'Thirteen Most Beautiful Boys'
In the Adam Auditorium.
American pop artist Andy Warhol was obsessed with celebrity, the common desire to be uncommon. Between 1964 and 1966, he regularly filmed visitors to his New York studio known as the Factory. Warhol would often turn on the camera and walk away, returning when the roll of film ran out after about three minutes. Around 500 screen tests or 'living portraits' were made in this fashion.
Some of the screen tests are labelled '13', signalling their place in either The Thirteen Most Beautiful Boys or The Most Beautiful Women series. These series were fluid, open-ended¬ compilations—films of 35 boys and 47 women are marked in this way. Warhol would alter the selection according to who attended screenings, who he wanted to sell paintings to or who he wanted to add to his coterie of filmed beauties. The Thirteen Most Beautiful Boys started as a parody of an NYPD 'Thirteen Most Wanted' campaign, suggesting that beauty is the most desirable of all human attributes.
Here we present the first twelve screen tests Warhol made for The Thirteen Most Beautiful Boys. They are the first screen tests he ever made. Unlike the widely distributed and screened The Thirteen Most Beautiful Women, the strongly homoerotic The Thirteen Most Beautiful Boys immediately went underground and was restricted to private showings at the Factory. Warhol eventually abandoned the Beauties project as a beautiful but ultimately flawed idea:
I could never decide who should be in it. If everybody's not a beauty, then nobody is, so I didn't want to imply that the kids in The Beauties were beauties but the kids in my other movies weren't so I had to back out on the basis of the title. It was all wrong.
From the collection of The Andy Warhol Museum, Pittsburgh.
Please note the amended opening hours for this exhibition on the following dates:
Monday 13-Friday 17 March, open 3pm - 5pm
Saturday 18 March, the exhibition will be closed all day
Sunday 19 March, open 10am-1.30pm


text:
Season of the Witch was a suprisingly decent movie, despite the camera never showing Nicolas Cage doing any close-up sword fighting and the ninja-zombies monks at the end.
The soundtrack is pretty good, too. You play it in the background and it has mix of haunting music and high adventure--sometimes combined in the same track. It doesn't suffer from what I call "cue syndrome" where the music shifts or changes with what happens in the movie. Thus, it is good for a gaming session.
Unfortunately I could only hunt down a couple samples.


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text:
Universal Sompo General Insurance
Insurance cover
for everyone
Ready with 98 products and pan-India
reach, USGI is making risk cover easier for every Indian. Expansion of agents'
foot-prints, besides the expanding BANCA platform will further strengthen its
penetration into the highly potential and vast country-side markets. With
special products for semi-urban and rural India it is building a virtual retail
mass market that may change the equation of non-life market and make it
livelier. The track record of zero customer grievance as well as its assurance
of hassle free claim settlements ensure business quality and customer
retention. People buy its products with
a smile.
Universal Sompo General Insurance (USGI) knows the
potential of the Indian non-life insurance market at its core, perhaps, more
closely than many in the vast market that is yet untapped. Regulatory
atmosphere in India's insurance market saw some remarkable changes last year.
Many government initiatives have also opened up newer opportunities for
non-life business, as awareness about non-life insurance is penetrating deeply
into India's countryside. Though its actual outcome is yet to be ascertained,
fast growing insurer like USGI, with sound knowledge of the market condition,
the changing needs of people and innovative ideas in store, prepares itself to
be an insurer that urban and rural India cannot stop looking at. The changing
atmosphere in the industry, imminent capital inflow to a desirable extent and
innovation taking place in rapid pace within would further give push to its
plan of making itself one of the leaders in non-life market.
Relatively a late comer in the business, USGI has
already shown an admirable success of public-private partnership, the first of
this kind in this segment. It has prepared a ground for touching the soul of
semi-urban India unlike the other urban centric new generation non-life
insurers. In eight years, it has moved closer to the people through the vast
bancassurance channel across the country with products, which laymen even in
rural India, keenly look for. Constant product innovation opens new market for
its business. Well-calculated plans like offer of
insurance in OTC counters and on consumer goods for covering the risk of damage
or loss of high-value items and, on the other side, special products for rural
market, etc would open a mass market for the company. Now a large number of
agents will further strengthen its presence in new geographies; similarly more
branches of banks too. USGI is set to spearhead the change in the way the
insurance products in India are sold and bought, says Mr
O.N Singh, Executive Chairman of
the company.
USGI could achieve the breakeven point precisely
within the time it had set; then moved up steadily with stronger bottom-line
and better quality of business. Last year, the company saw its profit soaring
1.8 times to Rs 28 crore, while the overall premium income grew nearly
one-thirds over the previous year. Now it is growing at a significant rate in
almost all operational metrics, as a result of its carefully calibrated
strategies and well-calculated steps. The volume of underwriting and the
number policies sold are growing at an impressive rate. In the year, the
company sold roughly a million policies and settled nearly 92,000 claims, the
highest in its history and closely a quarter above the previous year's numbers.
At present, it is ranked one of the five largest non-life insurers in the
private sector with rapidly expanding presence and more products on the roll.
we have seen a balanced growth, with positive bottom line. Now it is the time
to expand faster. We want to accelerate the speed of growth with more products
and expand our reach further," says Mr Taketoshi Nagaoka,
Managing Director of USGI. USGI will
make buying insurance products easier. When one buys a consumer product, he can
buy insurance cover also along with it on attractive terms, he avers. Now it is ranked 5th among top 15 non-life
insurance companies as per the ICMR- BFM survey. It has market share of around
12 per cent in the business controlled by private players. The expansion plans
require additional capital. Since the regulatory atmosphere favours more
foreign investment inflow, capital is not going to be a concern, Mr Taketoshi
In fact, with well-calculated plans, infrastructure
for reaching out to the customers and vastly diverse range of products in its
chest, the company could touch a socially important segment deeply - the mix of
semi-urban and rural market - that was hitherto shying away from buying
insurance products to cover their risk, loss and damages. As far as a private
player is concerned, that is, indeed, a great achievement. The company has
designed suitable products for this segment understanding their needs deeply
and broadly. The launch of micro insurance health product Saral Suraksha in June 2012
and designing of several other products for semi-urban and rural markets
have shown its commitments towards rural India and its understanding of the
real business potential in this market. This has also been an indication of how
well it could find a sustainable space for its business growth in an
over-crowded market. The launch of products like Sampoorna Suraksha
Bima Policy, Saral Suraksha Bima Policy, Farmers Package
Policy, Cattle and Live Stock Insurance, Janata
Personal Accident, etc. reaffirms its rural commitment and unique approach
towards the country-side India.
"They virtually belong to a retail class that
includes farmers who look for micro insurance and healthcare products," asserts
Mr Singh. With the kind of approach that USGI embarks on, the non-life
insurance market will see a highly desirable inclusive growth - that will
probably push the overall growth of the segment up to a more significant level
over a period. In a way, no other private insurer could reach out to this massive
segment, so effectively as USGI did with a sense of social responsibility, he
points out.
In India, non-life insurance remained largely urban
class proposition. Laymen rarely rendered any attention towards it. Rural
markets used to draw blank with little hope of non-life business. But this is
the market USGI has been keen to tap as its Indian promoters have many decades
long experience in dealing with India's throbbing rural market. The unique
combination of partners – two public sector banks (Allahabad Bank and Indian
Overseas Bank), one old generation private bank (Karnataka Bank), one private
entity (Dabur Investments) and the mighty Japanese power in Sompo Japan
Nipponkoa Insurance Inc., make USGC a unique non-life insurer in India – a
trustable insurer for all classes of people. "We see, in two ways the insurance
business work for people – one for covering their losses and unforeseen
expenses on their health and the other one is for creating self-employment with
our hand-holding support," says Mr O.N Singh, one of the architects of the
enviable ownership combination of USGI. In rural areas the company is taking
massive initiative for creating jobs for people through agent recruitment
process and giving them necessary training for their growth.
USGI has created
a strong bancassurance base. Branches of promoter banks opened a strong selling
platform for it. It has also shown its skills in dealing with policies of
vastly diverse nature having region specific character and mass focus. Above
all, self-observance of strict time-frame for serving the policies makes it a
player with difference and helps it set a standard in the non-life market. Its
reliance on the BANCA platform also has helped it understand region specific
needs, individual specific requirements and what may make people of different
classes buy policies.
Officers at the
branch level are found pursuing the visiting customers to buy the tempting
specially-packaged products, especially health plans that come at a lower
premium for bank customers through a hassle free system. The renewal system is
much easier and convenient. Many of the customers have now found the
convenience of renewing their policies, which they could hardly keep up before
they started buying USGI product from the partner banks like Indian Overseas
Bank (IOB) or Allahabad Bank. Some of the customers have migrated from other
insurance companies after finding the product more suitable and affordable.
There are customers, who have opened accounts with the banks to avail the
benefit of specially packaged products that attracted lower premium. The BANCA
strategy has rendered excellent results as bank branches played a crucial role
in pursuing their customers to buy USGI products, especially health products.
It still finds immense scope for faster growth through this platform.
Currently, of the 40 million customers that the promoter banks collectively
have, it could cover only 1.1 million. Besides the partner banks, USGI has
entered into arrangements with Union Bank, Dena Bank and Corporation Bank.
There will be such arrangements with other banks too in the coming days, says
Mr O.N Singh.
On the other side,
the company's marketing managers at field level work closely with newly
appointed advisors. They understand the need of attracting quality customers,
give them quotes quickly, explain features and pursue them successfully. Mr
Gopal (name changed), who used to renew online his motor policy of another
private insurer in January for the last seven years, this time brought
Universal Sompo's motor policy through an agent. Incidentally, he has been the
customer of Universal Sompo holding a family floater health policy brought
through IOB.
India is a huge market for insurance, but with an
equally huge challenge also. Success of an insurer depends on how well does it
prepare to meet the challenge and how precisely do its plans prove workable.
People should trust its promises, commitments and delivery efficiency. By
virtue of commercial banks as its Indian promoters, who collectively have over
40 million customers and around 6000 branches across the country, USGI has
found the challenge of reaching out customers become manageable. The Japanese
name as the collaborator has brought further respect to the company that has
already gained trust of its partner banks' customers.
Began modestly with infallible calculation eight
years ago, it did not find the outreach an insurmountable task in a market that
has been both thick and nebulous. It found the penetration level of Indian
insurance market too slow even when the market was getting crowded. The
awareness level among people was still poor. The service level across the
industry had a huge scope for improvement. Nevertheless, the overall
opportunities for a good insurer were huge. Commercial banks know the people
face-to-face, understand their needs, realize the level of economic risk at
various levels their customers' face and have the capability to advise and
pursue them for a risk-cover. A long time banker, Mr O.N Singh, a
Chartered Accountant by qualification, who headed Allahabad Bank as Chairman
and Managing Director and Bank of India as Executive Director earlier, knew the
effective way to reach new markets – sprawling branch network of banks.
Thousands of branches of the company's promoter banks began to sell products
specially packaged for their customers. Customers found it easy to buy and
interact. Renewals have been made simpler with timely reminder from the
respective branches besides the company's renewal advice. In fact, many of the
branches had seen people opening savings accounts to avail the benefit of
specially packaged products. That led to the coverage of many uncovered and
also migration from other insurers. Mr Singh and his team rightly believed the
segment needed a different approach from the conventional ways to unlock its
real potential.
Now USGI has 103 branches manned by
1500 employees in 17 zones with presence across the country. The bancassurance
channel compliments the network further. Last year, 45 per cent of its growing
business mix and more than 50 per cent of the total premium collection came
from this channel, while the corporate business model soared substantially to
43 per cent from the previous year's level of 27.50 per cent, says Mr Rajiv
Kumar, Head Corporate Planning. Agency business contributed 12.47 per cent in
that year. This year the picture looks to be brighter as the company is
focusing on boosting the bancassurance business further through rekindling the
branches of the partner banks and also through new arrangements to make further
inroads. At the same time, it is focussing on expansion of agency foot-prints,
while corporate business will also continue to be an equally important area.
BANCA channel is
not the only platform the company is now focusing on, says Mr Bisheshwari
Singh, Chief Marketing Officer of the company. There is a need of building
agents' network and widening the base of delivery through special arrangements
and MoUs to sell popular products like motor insurance, which now has become
the single largest component in the business mix. Now USGI is recruiting more
agents and giving them necessary training to manage its products. The company
has five agents training institute - at Mumbai, Raghunathganj, Karaikudi,
Bangalore and Varanasi. Besides agents, it is also making special arrangements
with leading vehicle manufacturers and dealer chains. Incidentally, the
Japanese companies dominate Indian passenger car market, where USGI can truly
be a preferred choice. It already enjoys strong support from Japanese
corporations, Mr Taketoshi points out. These corporations contribute
significantly to the business of USGI. Its special arrangements with leading car
markers like Honda and Nissan are giving a boost to the motor business. Now it
is planning to strike a deal with Maruti Suzuki, which will enhance its motor
business further. "We expect a considerable growth in motor business through
these tie-ups," says Mr Taketoshi, who is highly optimistic about India's
growth in the changing atmosphere.
Indians admire
Japanese efficiency and business ethics. True, Japanese firms bring with them
enviable technical skills, managerial efficiency and dedication. They are known
for error proof systems and operations. They are highly trustable too. Unlike
other alien institutions, Japanese firms seem to work well for ensuring local
nature in a business they locally partner with; for that they chose a right
Mr Taketoshi
admires the Indian partners of the company for their efforts to build a massive
presence even in interior parts of India. "We appreciate all the partners and
we are happy with them," he points out. "It is nice to see that the Indian
partners are proactive and have helped USGI build an enviable bancassurance
platform," he says. Sompo finds India as a potential market, wherefrom half the
Asian business is expected to emerge. "We are here to serve Indians with
products and services ideal for them for which we bring our expertise that we
have gained in Japan and other countries," he adds. Besides capital, the
Japanese partner will offer its Indian joint venture re-insurance support,
technical underwriting guidance and strong processing and settlement systems.
"We believe in transparent operation and quick
delivery. We have the track record of virtually a zero customer grievance, as
we address each one with a special care keeping in mind the important element
of this service business," says Mr Singh. USGI was the first general insurance
company in the country to implement the Integrated Grievance Management System,
a real-time online grievance reporting system under IRDA directive for all
insurers. Indeed, today, in Indian market, USGI is known for being a company
with fully satisfied customers, besides having a name for fast and easy claim
settlement through simple procedure. The
company believes that claims service is at the heart of an
insured-insurer relationship. "We have drawn our claims philosophy to achieve
fair and timely settlement through proactive management of each claim in a
customer friendly and transparent manner," Mr Rajiv points out. It always
believes in helping its customers quickly tide over the financial loss caused
by any unfortunate fall-out, he points out. Reality check with a handful of
customers also has favoured what Mr Rajiv has pointed out.
fact, USGI has excellent claim settlement mechanism that is safe and efficient.
The company has 24-hour helpline, SMS and web enabled service platform for
customer guidance, claim forms, processes, information on procedures and
documentations. There are arrangements for cashless claim settlements through a
network of service providers across the country. It has arrangements with
quality screened partners. There are also on-account payments in case of large
loss to ease anxieties of the insured ones and to render them support at the
very moment they face loss. These ensure considerably less anxieties to customers
and better convenience.
USGI has list of products that
contains health and critical illness, personal accident and disability, home,
motor and property for individuals, offices; shopkeepers package and other
non-life packages for small entrepreneurs, besides employee benefit;
operational, project insurance, liability and other special products for
corporate establishments. It is the first company in the country to begin offering a plethora of
products in the initial years of its operation itself. In 2009, it had 48
products. Now the basket has 98 products under three major streams – health,
motor and commercial policies. Some are co-branded and some are standalone.
Most of these products work on a robust IT platform to ensure easy processing
and policy management, says Mr Rajiv.
Individual Health Product is one of the growth
drivers. The product ensures hospitalization expenses that include room rent,
boarding expenses, nursing expenses, doctors' fees, charges for blood, oxygen
etc. and domiciliary hospitalization benefits for the insured one when he or
she falls sick or meets with accidental injury during the policy period. By the
feature called domiciliary hospitalization, the policy offers medical treatment
for a period exceeding three days for illness that in normal course requires
treatment but taken while being confined to home for reasons of inability to
get admitted in hospitals. This indicates the company's innovative approach and
prudent sense. The product offers flexibility to cover certain critical illness
At present for the benefit of health care policy
holders, the company has arrangements with a network of 1400 hospitals, which
include corporate hospitals also across the country. But policy holders have
the choice of moving into other hospitals outside its network with an offer of
settling the claim quickly. Health business as at the end of the year 2014-15
constituted nearly 20 per cent of the overall business compared with the
previous year's 17 per cent.
Motor business constitutes nearly 36 per cent of
the total business, the highest in the overall business combination. One of its
leading products under this category, Private
Car Insurance Policy covers vehicles against loss or damage arising out of
accident, fire, explosion, self-ignition, lightning, burglary, theft, riot,
strike, malicious act, terrorism, earthquake, flood, typhoon, or other kinds of
accidents with some exceptions. It provides for compulsory personal accident
cover for owner driver with a flexibility to opt covers against loss of
accessories, legal liability to paid driver, cleaner or any workman, personal
accident to the occupants, increased legal liability to property damage of
third party etc. Private vehicles can also opt other attractive add on benefits
and better convenience. The product is designed with an innovative sense to
accommodate the growing necessities of policy buyers.
The commercial policies covering liabilities -
losses and damages bring 27 per cent of the business. This business has been
growing consistently over the last three years. USGI fire policy covers all
immovable and movable property - buildings, plant and machinery, furniture,
fixtures, fittings and other contents, stocks and stock in process along with
goods held in trust or on commission.
Outperforming the average growth of non-life insurance business, UGSI
aims to achieve one per cent of the general insurance market by the end of next
financial year from the present level of 0.83 per cent, says Mr Bisheshwari
Singh. Its history shows that the company has been growing well above the
industry average. When the industry is expected to grow 14 to 15 per cent in
the coming years, USGI has set a target of 25 per cent growth in premium, he
says. Going by the plans that the company has made out, this is an easily
achievable target. As the company is expanding the market and enlarging the
product mix, the bottom line is expected to improve considerably, Mr Rajiv
points out At the same time, he adds: "We will retain its name for being one of
the most trustworthy insurers in the country."
The company will go in a big way in the areas of
motor and health, says Mr Rajiv. Health insurance also has a huge growth
potential in rural India. With more Indians moving around the world, travel
insurance also has become a potential area. Upon a special arrangement with the
Ministry of External Affairs, the company is planning to launch special package
for Indians going abroad. It now has a special product for them, named Pravasi
Bharathiya Bhima Yojana.
USGI, which operates on a
robust IT platform, has centralized policy
processing centre in Navi Mumbai, wherein its operation department
handles inflow of proposal, policy processing, taking care of discrepancies, if
any, electronic fund transfer, reconciliation, issue of policy documents, claim
check, channel mapping etc. The centre is equipped with highly sophisticated
technological interface. The policy processing is done on Genesys platform. Its
well-networked data centre with latest trends in IT infrastructure hosts more
than 80 servers. In February this year, the company was conferred with prestigious 94.3
My FM stars of the industry award for excellence in general insurance. It will
be natural, more awards for excellence at various levels can make its showcase
dense and find lasting place in the heart of people for its admirable products
and services.
As we know
semi-urban and rural India more closely, we offer excellent insurance solutions
suitable for people of the regions to cover their fear of heath risks and asset
damages arising out of many eventualities. We do our business differently to
ensure effective risk coverage for people who are badly in need of one at
affordable cost.
Mr O N Singh, Executive
Hitherto, USGI has
seen a balanced growth with positive bottom line. Now it is the time to expand
in a big way. We want to accelerate the speed of growth with more products and
expand our reach further. USGI will make buying insurance products easier, as
easy as buying any consumer product.
Mr Taketoshi
Nagaoka, Managing Director
Outperforming the average growth of non-life insurance business, UGSI
aims to achieve one per cent of the general insurance market by the end of next
financial year from the present level of 0.83 per cent. Its history shows that
the company has been growing well above the industry average.
Mr Bisheshwari Singh, Chief Marketing Officer
This year the
picture looks to be brighter as the company is focusing on boosting the
bancassurance business further through rekindling the branches of the partner
banks and also through new arrangements to make further inroads. The focus on
expansion of agency foot-prints and boosting corporate business will continue
to be an equally important area. We will continue to focus on efficiency
enhancement measure.
Mr Rajiv Kumar, Head – Operations and Corporate Planning
With a vastly diversified product basket
USGI offers highly innovative and customized risk solutions to various customer
segments that include rural and social sector, cashing in on its distribution
channels even in interior places.
· While the
highly sophisticated technology architecture takes care of overall operation
and processing, its fundamental principle of serving customers in best possible
manner through customised product packaging and the aim of setting zero
grievance record make it a unique insurer. It reads the mind of people through
commercial banks, besides its own way and designs suitable products for masses
based on the feedback. There is a host of general insurance products with
special flavours. It has also acquired legendary Japanese efficiency, precision
and skills in business.
· The new regulation favours more foreign
capital inflow. The massive expansion plans and innovative product formulations
require more capital to remain competitive and capable of underwriting large
size liabilities. As India is waiting for an imminent infrastructure boom there
is a need of boosting the funding also. Since only an insurance corpus can fund
long-gestation government tender based projects,
insurers require capital of substantial size.
SMERA Ratings finds positive impact of the new Act
The banking regulator Reserve Bank of India (RBI) will have more powers to intervene in the resolution of NPAs, which are currently hovering near the Rs 9 trillion mark; overall stressed assets, including restructured accounts are estimated to be nearly Rs. 11-12 trillion. While the central bank was already supervising the banking system through the mandates set by the Asset Quality Review (AQR), the endorsement will allow the RBI to provide recommendations at the account level.
A name for trust, integrity
Shabu Cherian of the Kalayil Nancy Group has been a well-known personality in Kalyan (Mumbai) and its neighbourhood areas for the last 18 years. An entrepreneur, active in social circles of the region he hasn't lost touch with his humble beginning as he grew systematically. Toiled a lot in the early days his works have brought life to many poor people and created earning opportunities for many families, who were unable to find financial support from banks. He recalls his early days of supporting many rickshaw drivers in Kalyan East. "They owe greatly to me for the support," he recalls. An ambitious business man, but not over-ambitious to chew more than what is digestible, he defines himself.
Expert in royal interior works Chithira is an interior designing and furnishing star that makes an amusing ambiance for every household, big cheers over superior work quality and amazing patterns.One needs a good inner-heart to serve, satisfy and reach out to others with a helping hand.There should be a human touch in everything, even in business also, Mr. Vijayan Nair of Ambernath-based (Mumbai) Chithira Interiors rightly believes.While his own ethics in business gives him a good sleep, he builds appealing interiors for families to cheer over their aesthetic preference for better sleep. Built on trust and morality, Chithira Interiors has become a distinct name in the vast and now flourishing home interior designing and furnishing business. Twenty five years ago when he ventured into this business that was where his mind and talent rested he might not have seen unfolding of a potential market of home interior designing and furnishing market, that too in as remote Mumbai suburban markets as Badlapur, Ambernath and Kalyan.
Expert in royal interior works
There should be a human touch in everything, even in business also, Mr. Vijayan Nair of Ambernath-based (Mumbai) Chithira Interiors rightly believes.While his own ethics in business gives him a good sleep, he builds appealing interiors for families to cheer over their aesthetic preference for better sleep. Built on trust and morality, Chithira Interiors has become a distinct name in the vast and now flourishing home interior designing and furnishing business. Twenty five years ago when he ventured into this business that was where his mind and talent rested he might not have seen unfolding of a potential market of home interior designing and furnishing market, that too in as remote Mumbai suburban markets as Badlapur, Ambernath and Kalyan.
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Alfred James Frank, 75, a native of Opelousas and resident of Houma, died Friday, Nov. 6, 2009.
Service will be noon Wednesday at Bellevue Street Baptist Church in Opelousas, with burial in Garden of Memory Cemetery in Opelousas.
He is survived by his former wife, Shirley M. Frank of Gray; five daughters, Joyce Marie of Opelousas, Waltresa Mayo of Atlanta; Michelle Denise Schexnader of Opelousas, Alfreda Jones and husband, Henry Jr., of Morgan City, and Lacresha Riley and husband, Christopher, of Houma; three sons, Stanford Mart Sr. of Houma, Cornell Mart of Gray, and Alfred Pitts of Opelousas; three sisters, Rosemary F. Brown of Opelousas, Lois Joseph of Baton Rouge, and Shirley Ann Gordon of Beaumont, Texas; 19 grandchildren; and three great-grandchildren.
He was preceded in death by his parents, Mark Frank Sr. and Dora Guillory Frank; three brothers, Wilfred "Picou" Frank, Mark "Big Shot" Frank Jr. and Jimmy Frank; one sister, Mary Ann Frank; his grandparents, Arichelle Frank and Rosa Mae Frank; and one grandchild, Christiana K. Riley.
He served on the Deacon Board at Bellevue Baptist Church in Opelousas and was a member of the Bellevue Baptist Church Brotherhood Organization.
Kennedy Funeral Home of Raceland is in charge of arrangements.
Alfred Frank
Alfred James Frank, 75, a native of Opelousas and resident of Houma, died Friday, Nov. 6, 2009.


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text:
Archive for June, 1996
Table of Contents, June 1996
TABLE OF CONTENTS June 1996 Issue 425 Vol. 36 No. 6 29th Year of Publication 17-Time Hugo Winner CHARLES N. BROWN Publisher & Editor-in-Chief MARIANNE S. JABLON Managing Editor FAREN C. MILLER CAROLYN F. CUSHMAN Editors KIRSTEN GONG-WONG Assistant Editor EDWARD BRYANT SHIRA DAEMON MARK R. KELLY RUSSELL LETSON GARY K. WOLFE Contributing Editors WILLIAM […]
Posted: June 1st, 1996 under Tables of Contents.
Comments: none


text:
Apparently, one mental evaluation of inmate is not enough. (Rapid City Journal) I must confess to being of two minds about the matter.
Johnson: Good stuff. Thune: Not so much. (KOTA) To go gaga over the idea of reining in spending, while supporting all the new investments does seem a bit double-minded.
Concealed carry coming to a legal immigrant near you? (Yankton Press & Dakotan) Sad that it took a lawsuit to break this one loose.