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Allianz Australia Insurance Limited AFS Licence No. 234708 (ABN 15 000 122 850) of 2 Market St, Sydney NSW 2000, is the insurer of the Club Marine Pleasure Craft Insurance.
Club Marine Limited AFS Licence No. 236916 (ABN 12 007 588 347) of 40 The Esplanade Brighton, Victoria 3186 is an Australian organisation that specialises in providing insurance products for pleasure craft and commercial leisure craft. Evolving from a background of more than 40 years as a specialist in pleasure craft insurance, Club Marine provides Boat owners and their families with an integrated range of services designed to maximise their enjoyment on the water.
Club Marine and its authorised representatives have been given a 'binding' authority by Allianz to issue, vary and dispose of this insurance and settle claims as agents of Allianz as if they were the insurer. Please refer to the Financial Services Guide of Club Marine and its authorised representatives for full details of their authority.
This document is important. You should read it before making a decision to purchase this insurance. It will help You to:
Any advice contained in this document is general advice only and does not take into account Your individual objectives, financial situation or needs.
Because of this You should consider the appropriateness of the advice and this product having regard to Your objectives, financial situation and needs.
We may need to update this document from time to time if certain changes occur where required and permitted by law. We will issue You with a new PDS or a supplementary PDS to update the relevant information.
Where the information is not something that would be materially adverse from the point of view of a reasonable person considering whether to buy this Insurance, We may issue You with notice of this information in other forms or keep an internal record of such changes.
You can get a paper copy free of charge by contacting Club Marine or accessing its website www.clubmarine.com.au.
By way of summary only, this Pleasure Craft Insurance provides the following covers:
This section covers Accidental Loss of or Damage to or Theft of Your Boat and certain other property up to the sum insured and limits specified in the Schedule or this document. Specific limits apply to certain property such as Fishing Gear, Water Ski Equipment, Diving Equipment, Tools and Personal Effects. You may select for Your Boat to be insured on either an Agreed Value or Market Value basis. This determines the way in which a claim for Total Loss or Constructive Total Loss is managed and settled.
If Your Boat is insured for Market Value, the amount We pay may be less than the Sum Insured shown on the schedule, being determined with reference to the actual value of Your Boat to which the Total Loss or Constructive Total Loss relates immediately prior to the loss. The Sum Insured, in this case, is a maximum amount only.
If Your Boat is insured for Agreed Value then the amount We pay will be based on the value of the Boat to which the Total Loss or Constructive Total Loss relates as agreed between You and Us at the time the Policy is taken out, renewed or updated.
This section covers Your and certain other persons' legal liability to pay compensation for property damage, and in some cases death and Injury, up to the sums insured noted on the Schedule (including legal costs and expenses) to other people in certain circumstances.
This section covers Named Insureds up to the sums specified in this document and the Schedule for death and certain specified Injuries.
If more than one person is a Named Insured, the amount paid to each insured will be the amount payable under this section divided by the number of insureds.
Please refer to each cover section for details of the basis on which We settle any claim under the above cover sections.
Section B of this document sets out the cover(s) We are able to provide You with. You need to decide if the limits, type and level of cover(s) are appropriate for You and will cover Your potential loss. If they are not, You may be underinsured and have to bear part of any loss You are not covered for Yourself.
Not everything is covered by this Insurance. Policy limits and conditions apply. It is important that You read this document carefully, so that You can understand what We cover and the limitations.
Read 'Words with special meanings' (see pages 10 to 15) to ensure You understand what We mean by terms used in relation to the cover We provide. For example 'Market Value' and 'Agreed Value' are defined terms that affect what We cover You for.
Make sure You understand what We specifically exclude. Each cover has specific exclusions that apply to it.
You should also ensure that You comply with the 'General conditions' and 'Claims conditions' of the Policy which set out certain obligations that You have. If You don't comply with them We may refuse to pay a claim.
We will only cover Your interest in the insured property unless We specifically include cover for the interest of a third party.
For full details of what We do and do not cover please read this document together with Your Schedule once issued.
If You make a claim under Your Policy You may first have to pay an Excess. We pay the relevant amounts We cover You for above any Excess. We tell You when You apply for cover what Excess(es) apply and the amount(s). We specify any Excess on the Schedule when We issue cover.
Where We agree to provide cover We will issue You with a Schedule which sets out:
The premium We charge You is based on a number of factors including Your risk profile (e.g. where Your Boat is located, the type of Boat being insured and its value, and Your insurance history etc.) It includes any amounts that take into account Our actual or estimated obligation to pay any relevant compulsory government charges (eg Stamp Duty and GST and Fire Services Levy where applicable) in relation to Your Policy as well as other additional charges We tell You about.
We will tell You, when You apply, what premium is payable, when it needs to be paid and how it can be paid. Additional charges may apply if You pay Your premium by instalments. Special conditions also apply to instalment payments – see the "General conditions" section of this document for details.
You may be eligible for a 'No Claim Bonus', which is a discount off Your premium. The No Claim Bonus You receive will depend on the number of years You have insured Your Boat and the number of claims You have had. You are eligible for the maximum No Claim Bonus if You have experienced no pleasure craft related claims in the last five years.
Your Schedule will show a no claim rating from 1-5. The No Claim Bonus works as follows:
Rating 1 – receives a 25% discount
Rating 2 – receives a 20% discount
Rating 3 – receives a 15% discount
Rating 4 – receives a 10% discount
Rating 5 – receives no discount.
Your No Claim Bonus will be reduced by 2 ratings for any claim You make under the Policy. (e.g. If You were on a No Claim Bonus rating 1 and make a claim Your next renewal would be offered on rating 3). Where You do not have a rating 1, You improve one rating each year that You do not make a claim. The above discounts may be changed by Us on renewal and We will tell You when this is the case.
For each claims free year You have with Club Marine without a break in cover, Your Policy gains protection points. Once You have five (5) protection points (i.e. 5 years claims free) and then make a claim, Your No Claim Bonus rating will not be affected by that claim. However any subsequent claims may affect Your No Claim Bonus rating.
You may choose to receive Your Policy documents:
In the event that You choose to receive Your documents electronically, We will send them to the email address that You provide Us, not Your mailing address. Any documents sent by email will be considered to have been received by You 24 hours from the time We sent them to Your email address.
If You do not tell Us to send Your documents to You electronically, then We will send them to You by post to the mailing address that You have provided Us.
It is Your responsibility to make sure that both the email and mailing address You have provided Us are up to date. This means You need to let Us know if You change Your email or mailing address as soon as it happens.
You can ask Us to cancel Your Policy within 14 days from:
and in either of these situations, provided You have not made a claim or an event has not occurred that could give rise to a claim on Your Policy, We will refund Your premium.
We may deduct from Your refund amount any reasonable administrative and transaction costs incurred by Us that are reasonably related to You buying and cancelling Your Policy and any government taxes or duties We cannot recover.
In addition to Your 14 day cooling off period You have cancellation rights (see 'Cancellation rights' on page 29 for full details of Your cancellation rights).
You must pay Your premium on time. You can pay Your premium as a:
You need to pay Your annual premium or instalments by the due date. If You do not pay Your premium by the due date, Your Policy will be cancelled and You may not be able to make a claim. A monthly instalment will be considered unpaid by Us if it cannot be deducted from Your nominated account or credit card. If an ongoing monthly instalment is unpaid for 14 days or more after the due date then We will refuse a claim for any incidents that take place during this time. We may deduct any outstanding premium amount or incorrectly refunded premium, from any claim payment.
Where We have agreed to cover You, Your Policy will consist of:
You should carefully read and retain this document, the Schedule and any other document referred to above. These documents should be read together as they jointly form the contract of insurance between You and Us. Any new or replacement Schedule We may send You, detailing changes to Your insurance or the Period of Insurance, will become the current Schedule, which You should carefully read and retain.
Where We have agreed to cover You We will insure You for the cover(s) specified on the Schedule for the Period of Insurance on the basis:
For Your assistance We have provided a full explanation of Your Duty of Disclosure and the consequences of nondisclosure under the heading 'Your Duty of Disclosure' on page 40.
To understand this Policy, You need to know what We mean by certain words. We explain the meaning We give these important terms below:
'Accidental Loss or Damage' means physical loss and/or damage which occurs by Accident.
'Accident' means a happening that is unforeseen and unintended by You.
'Agreed Value' means the amount We agree to pay in the event of a Total Loss of the entire Boat less the Policy Excess. This amount is agreed by both You and Us in writing and valid until the next renewal date.
'Boat' means the Insured Boat described in the Policy schedule; including each of Your Insured Components or a Replacement Boat.
'Boat Tender' means an auxiliary Boat or dinghy (including motor) which is carried on deck and that is used to service the insured Boat for example as a lifeboat or way of transportation to Your moored Boat. Boat Tender excludes personal watercraft unless agreed and extended in writing.
'Computer Technology' includes but is not limited to, any or any combination or part of data, computer hardware, operating system, application, software and computer chip including microprocessor chip or embedded control logic and irrespective of by whom it is owned or operated.
'Club Care Benefits' means assistance following an emergency or unforeseen incident which gives rise to a claim under this Policy including:
'Depreciation' means the reduction in value of the Boat or other property over time as a result of age, condition and normal wear and tear.
'Diving Equipment' means masks, snorkels, flippers, regulators, tanks, buoyancy compensation devices, compressors owned by You.
'Equipment and Accessories' means safety equipment that meets statutory or other legal requirements and any other equipment. This includes Boat canopies, Fishing Gear (but not fishing tackle), Water Ski and wakeboarding Equipment, Diving Equipment and Tools. Air docks/berths upon application with nominated value and agreed to by You and Us in writing. It excludes Personal Effects and anything not owned by You unless You advise Us and We agree to extend cover in writing.
'Excess' means the amount shown on the Schedule which You must first pay when You make a claim under Your Policy (see the section of this Policy called 'Claims conditions' for more details on Excess payments).
No Excess is applicable to third party Injury claims under Section 2 and Section 3 of the Policy.
Berthing - Unless We have specified otherwise in the schedule (e.g. a specific cyclone excess), no Excess is payable where at the time of the loss Your Boat is stationary and in its pen/berth at the commercial marina or Your private jetty/pontoon named in the Schedule as the usual place of storage. Please note that the marina or private jetty/pontoon must be suitably designed and engineered to accommodate Your Boat and be adequately maintained. The standard excess will apply from the time the Motor is started.
'Fishing Gear' means rods & reels (but not fishing tackle) used for the purpose of recreational/sport fishing owned by You.
'Geographic Limits' means:
Your Policy will be automatically suspended when Your Boat clears Australian or New Zealand customs and Immigration for the purpose of leaving Australian or New Zealand waters and will recommence when it clears Australian or New Zealand Customs and Immigration on return (unless You advise Us and We agree to extend cover in writing.)
Also refer to page 31, Geographic Limits heading under the General Exclusions.
'Hull' means the hull, deck, cabin, deck fixtures and fittings on or below the deck.
'Injured' or 'Injury' means bodily injury caused solely and directly by violent, external and visible means, including exposure to the elements caused by them.
'Insurance Broker' means a licensed insurance broker appointed by You to act on Your behalf.
'Insured Components' means:
'Latent Defect' Any flaw in the material used in the construction of the Boat that has now become evident and would not have been discoverable by a competent tradesperson carrying out an inspection.
'Lawful Seizure' loss or damage to Your Boat caused directly by any government authority acting in the interest of public welfare to prevent or mitigate a pollution hazard which has arisen directly from damage to Your Boat which is covered by this Policy.
'Lay Up' cover is noted as applying to Your Policy on the Schedule, We will only cover You for Accidental Loss or Damage to Your Boat that occurs when the Boat is within the gates, walls or fences of Your home address specified on the Schedule (or at another location if You advise Us and We agree to extend cover in writing) during the months specified on the Schedule. Lay up is extended to cover whilst going to, at, and returning from a Boat dealer for servicing and maintenance or during a claim. Can be amended by contacting Us or Your Insurance Broker.
'Market Value' means the sale value of the Boat immediately prior to the claimed loss or damage taking into account the condition and location of the Boat.
'Masts, Spars, Rigging and Sails' means the masts, booms, fittings, spinnaker poles, standing and running rigging and sails of Your Boat.
'Moorings' means the structure and equipment, not being part of the Boat, used to secure a moored Boat at a marina, yacht club, wharf, jetty, pier or location when not navigating.
'Motor' means stern drive units, inboard and outboard engines described in the Schedule and includes the propeller, shaft, gearbox, skeg, jet unit, wiring harness, instruments, portable fuel tank, battery and control cables and generator.
'Period of Insurance' means the period of insurance shown on the Schedule, subject to prior termination in accordance with the Policy.
'Personal Effects' means personal items belonging to You or Your immediate family, limited to clothing, shoes, waterproof gear, wetsuits, prescription glasses and manchester.
'Policy' means Our agreement with You, including this policy wording, the Schedule and any endorsements We issue in writing which may change the standard cover.
'Recovery/Detention' means loss or damage to Your Boat and reasonable legal expenses incurred in the release of Your Boat following impounding, arrest, detention, confiscation or similar act by any government as a result of any act committed without Your knowledge by a charterer, or crew member.
'Removal of Wreck Costs' means costs incurred by You by order of government or local authority (or for which You become legally liable) associated with the raising, recovery and disposal of the wreck of Your Boat following an insured event.
'Repairer's Negligence' means loss or damage to Your Boat caused by the negligence of any repairer engaged by Us to repair Your Boat in relation to a previous claim on Your Policy. This does not include cover for Section 2 of the Policy (Liability to other people).
'Replacement Boat' means a Boat purchased by You to replace Your Boat described on the Schedule, which has been notified to Us within 30 days of its purchase and agreed to be covered by Us in accordance with Your Policy.
'Salvage Charges/Precautionary Measures/Emergency Assistance' means reasonable charges and expenses incurred by You in preventing or minimising any loss or damage covered by Section 1 of Your Policy. Such charges are paid in excess of any payment for the loss or damage to Your Boat and are not limited by the sum insured.
'Schedule' means the schedule in respect of Your Policy, which We have most recently given to You or sent to Your last known address.
'Social Yacht Racing' means yacht racing which does not include the use of spinnakers and/or extras, and not exceeding a distance of 25 nm measured by the most direct route of the course, within the Geographical Limits of the Policy.
'Theft' means a claim resulting from someone taking Your Boat or Insured Components without Your knowledge, consent or agreement with the intention of depriving You of them.
'Tools' means tools kept permanently on Your Boat for emergency, breakdown and maintenance purposes.
'Total Loss' means:
'Trailer' means the trailer noted as covered in the Schedule and its winch including power winch.
'Water Ski Equipment' means water skis, wakeboards, knee boards, ski biscuits, vests and ropes owned by You.
'We', 'Us' and 'Our' means Allianz Australia Insurance Limited (ABN 15 000 122 850) of 2 Market Street, Sydney NSW 2000 (the insurer of Your Policy), through its agent Club Marine Limited ABN 12 007 588 347.
'You', 'Your' or 'Named Insured(s)' means the person or persons/company named on the Schedule.
Please remember, if more than one person is insured by this Policy, any act, omission, statement or claim by any one of the insured people has the same effect as an act, omission, statement or claim by all of those people.
Please note that the following covers (Sections 1, 2 and 3) are subject to the sections of this Policy called 'General conditions', 'General exclusions' and 'Claims conditions' as well as the other terms of Your Policy.
We will cover You for:
When there is a Total or Constructive Total Loss of Your entire Boat or one or more Insured Components of Your Boat We will at Our option, (subject to payment of the relevant excess and any premium adjustment) either:
Where no value is specified for an item in the Schedule, that item is insured for Market Value.
If We make a Total Loss payment, whether it is for the entire Boat or one or more of its Insured Components, We are entitled but not obliged to take ownership of the Boat to which the Total Loss payment relates.
For damage or partial loss:
Race Entry Fees
We will cover You for loss of entry fees that are not refundable and paid by You and Your crew should a claim under the Policy cause You to withdraw from a fishing tournament or yacht racing event up to $2,000 (incl GST). The cover provided by this benefit will only be paid if the loss or damage sustained by Your Boat necessitates Your withdrawal and no Excess will apply for these costs.
Salvage Charges/Precautionary Measures
We will also pay, over and above the Section 1 sum insured shown on the schedule, but not exceeding an amount equal to the value of the Boat in the aggregate per event, the reasonable costs of minimising or preventing further insured loss to Your Boat or Insured Components following an insured event. This includes, but is not limited to:
Removal of Wreck Costs
We will also pay, over and above the Section 1 sum insured shown on the schedule, but not exceeding an amount equal to the value of the Boat in the aggregate per event the cost of removing the wreck of Your Boat where You are legally required to remove it by local or government authorities
Club Care Benefits
We will also pay (without application of an excess) up to $5,000 (incl GST) in total for all Club Care Benefit claims.
Land Towing
We will also pay up to $1,000 for land transit towing costs in towing Your Boat by trailer to the nearest place where repairs can be made (provided Your Boat is designed to be towed by a trailer).
A. Types of property
We will not cover You for loss or damage to:
B. Events
We will not cover You for:
We will cover the following persons for their legal liability to pay compensation in circumstances specified in 1. to 5. below, up to the sums insured noted on the Schedule inclusive of legal costs and expenses (as specified in 6. below), to another party.
1. Use of Your Boat
You or any person in charge or control of Your Boat with Your permission (excluding Boat builders, repairers, yacht clubs and marine operators except as provided by this section), for death or Injury and/or damage to property during the Period of Insurance caused by or arising out of the use of Your Boat within the Geographic Limits;
2. Use of another Boat
You for death or Injury and/or damage to property during the Period of Insurance caused by or arising out of the use by You of another Boat (including its hull, motor, masts, spars, rigging and sails and tender), within the Geographic Limits, provided:
3. The discharge, release or escape of fuel, lubricants or sewage from holding tanks
You for property damage during the Period of Insurance caused by or arising from sudden and accidental pollution directly or indirectly arising from the discharge, release or escape of fuel, lubricants or sewage from holding tanks from Your Boat within the Geographic Limits, other than liability arising from or connected with:
We will pay no more than $500,000 (incl. GST) for any one discharge, release or escape or series of discharges, releases or escapes arising out of the same event in relation to this cover, including legal expenses.
4. Water-skiing
(Only applies when the Schedule shows that You have selected this option)
You and/or any person using Your Boat with Your permission and/or any person engaged in water-skiing, wakeboarding and/or aquaplaning activities (using only recognised and commercially manufactured Water Ski and/or wakeboarding Equipment and/or barefoot water-skiing) while being towed by Your Boat within the Geographic Limits during the Period of Insurance, for:
5. Marina liability cover
You for legal liability imposed upon You by the terms and conditions of a lease or agreement with You for the provision of a berth, mooring or storage facility for Your Boat.
6. Legal costs
Provided We first agree in writing, We will pay for all legal costs and expenses incurred in defending any court proceedings which may arise in respect of any liability covered by this section.
We will not pay for any legal costs and expenses relating to any criminal, maritime or traffic proceedings.
We will not cover legal liability:
If a Named Insured is Injured during the Period of Insurance in an Accident when using Your Boat within the Geographic Limits and that Injury results in:
Additional Benefit
We will not cover:
These general conditions apply to all Sections of the Policy.
This Policy has a GST provision in relation to the premium and any payment by Us to You for claims. It may have an impact on how You determine the amount of insurance You need. Please read it carefully. Seek professional advice if You have any queries about GST and Your insurance.
Sums insured
All monetary limits in this Policy may be increased for GST in some circumstances (see below).
Claim settlements – Where We agree to pay
You may have to contribute the basic Excess shown in the Schedule towards a claim. There are a number of other Excesses that may also apply, if so these will also be shown in the Schedule.
When We calculate the amount We will pay You, We will have regard to the following:
Disclosure – Input tax credit entitlement
If You register or are registered for GST, You are required to tell Us Your entitlement to an input tax credit on Your premium. If You fail to disclose or understate Your entitlement, You may be liable for GST on a claim We may pay. This Policy does not cover You for this GST liability, or for any fine, penalty or charge for which You may be liable.
Where You pay Your premium by instalments, You must ensure You pay each instalment on time. If an instalment has remained unpaid for a period of at least 14 days, We may refuse to pay a claim. We will notify You if You have not paid an instalment.
If You replace Your Boat, We will automatically provide temporary cover for the Replacement Boat from the date of purchase up to a maximum of 30 days and only up to the lesser of the purchase price of the Replacement Boat and the sum insured shown in the Policy Schedule under Section 1.
If cover is to continue on the Replacement Boat:
Cover on the replaced Boat ceases from the date of purchase of the Replacement Boat.
You must notify Us as soon as possible if You modify or intend to modify Your Boat from the manufacturer's original specifications.
When We receive this information, We may:
If You do not provide the information, We may not pay a claim under the Policy.
If You have been at sea in Your Boat for more than 24 hours and Your Policy would otherwise expire (other than by cancellation), We will provide a temporary extension to the Period of Insurance until 24 hours after Your Boat arrives at its next port. The temporary extension to the Period of Insurance will apply automatically unless, when Your Boat arrives at its next port, You do not notify Us within 24 hours of its arrival to make arrangements to renew Your Policy.
If You sell, transfer or give away Your Boat, the cover under Your Policy will cease to apply upon completion of the sale, transfer or disposal as relevant.
If at the time of any loss, damage or Accident that may give rise to claim under the Policy, there is any other insurance Policy covering the Boat or Your liability arising from the use of the Boat as described in this Policy, then We reserve the right to seek contribution from any other Insurer(s). If You are aware of such other insurance, You are required to notify Us. You must also provide Us with full information and all reasonable assistance in the recovery of Our rateable proportion of such loss or damage.
Cover is provided for Social Yacht Racing. Should further cover be required contact Our office or Your Insurance Broker for changes in premium, Excess and conditions.
Cover is provided for time trials conducted under the control or regulation of a club, association or equivalent body to a maximum speed of 30 knots.
You may cancel this Policy at any time by telephoning Us.
We have the right to cancel this Policy in certain circumstances where permitted by law.
These include:
If We cancel the Policy We may do so by giving You three business days' notice in writing of the date from which the Policy will be cancelled. We will give You written notice via one of the following ways:
If You or We cancel the Policy We may deduct a pro rata proportion of the premium for time on risk, reasonable administrative costs related to the acquisition and termination of the Policy and any government taxes or duties that We cannot recover.
In the event that You have made a claim under this Policy and We have agreed to pay a Total Loss for Your entire Boat, no return of premium will be made for any unused portion of the premium.
The Policy shall be governed in accordance with the laws of the Commonwealth of Australia and the State or Territory where the Policy was issued. Any disputes relating to interpretation shall be submitted to the exclusive jurisdiction of the courts of Australia.
These exclusions apply to all Sections of the Policy.
Any claim arising from an incident involving Your Boat or any Boat covered by this Policy, when it is outside the Geographic Limits unless;
However, should Your Boat go beyond the Geographic Limits:
Your Policy will be automatically suspended when Your Boat clears Australian or New Zealand Customs and Immigration for the purpose of leaving Australian or New Zealand waters and will recommence when it clears Australian or New Zealand Customs and Immigration on return (unless You advise Us and We agree to extend cover in writing.)
Any claim arising from an incident involving Your Boat or any Boat covered by this Policy, when it is being used for hire, charter or reward of any kind unless You first advise Us and We agree to extend cover in writing.
Any claim arising from an incident involving Your Boat or any Boat covered by this Policy, when that Boat is under the control of:
This exclusion does not apply if You can prove that:
You, Your Boat or any Boat covered by this Policy for racing or speed tests, other than Social Yacht Racing, unless agreed and extended by Us in writing.
Any claim in respect of loss or damage caused by wear and tear which would be expected given the age, storage and/or use of the applicable item.
Any claim in respect of loss or damage caused by inherent vice.
Any claim in respect of loss or damage caused by vermin (which includes small animals, sea life, insects and birds that are troublesome or destructive to Boats and whether a protected species or otherwise)
Any claim in respect of loss or damage caused by delamination, deterioration, corrosion or electrolysis which would be expected given the age, storage and/or use of the applicable item
Any claim caused by or arising as a result of Your Boat or any Boat covered by this Policy being fitted with a Motor more powerful than that recommended by the manufacturer of its Hull.
Any claim caused by or arising as a result of pollution or radioactive contamination except as otherwise specifically covered in the Policy.
Any claim caused by or arising as a result of the unseaworthiness, lack of repair or maintenance of Your Boat or any Boat covered by this Policy.
Any claim caused by or arising as a result of the use of Your Boat or any Boat covered by this Policy for waterskiing, unless You advise Us and We agree to extend cover in writing.
Any claim for loss or damage caused by or arising as a result of the lack of reasonable care, protection and/or security of Your Boat or any Boat covered by this Policy or other insured property.
Any claim caused by or arising as a result of ionising radiation or contamination by radioactivity from:
Any claim involving false or fraudulent representation by
Any claim caused by or arising as a result of a malicious or criminal act (including theft, conversion or misappropriation) caused by or involving:
Any claim arising from an incident involving Your Boat or any Boat covered by this Policy or other insured property when it is being used for an unlawful or illegal purpose.
Any claim for loss or damage caused by or arising as a result of the mooring used by Your Boat or any Boat covered by this Policy not being:
Any claim caused by or arising as a result of Your Boat or any Boat covered by this Policy exceeding the speed shown on Your Schedule.
Any claim for loss or damage to any appliance, machinery, equipment or other property which is a computer or which contains or comprises any Computer Technology and which:
This Policy does not cover loss, damage, liability, Injury, illness, death, cost or expense arising directly or indirectly out of or in any way connected with:
An act of terrorism includes, but is not limited to, any act, preparation in respect of action or threat of action, designed to:
We will not cover any claim for loss, damage, liability or expense caused by or arising from war (whether war is declared or not), acts of war, civil war, revolution, rebellion, insurrection, civil strife or hostile acts by or against a belligerent power:
These conditions apply to all Sections of the Policy.
You must do the following when appropriate to prevent further loss or damage:
If Your Boat is damaged and You are covered under this Policy for the cost of repairing such damage, You must obtain a written, itemised quotation for repairs.
We may require statements or photographs or other documentation in support of Your claim.
After hours emergency claims service phone number
You must be able to prove Your loss. Please ensure You keep:
If You do not comply with these requirements We may refuse Your claim.
Where You make a claim for loss or damage to Your Boat, We may in some circumstances, require You to:
If You do not agree We may refuse to assess or pay Your claim.
Where We determine that the claimed loss or damage to Your Boat is:
You may choose the repairer of Your Boat. We may request that You take Your Boat to another repairer. You or Your repairer must get a written agreement from Us to start repairs before We will accept responsibility for them.
You must make Your Boat available for Our inspection. It is Your responsibility to ensure that You are satisfied with the repairs to Your Boat.
If Your entire Boat is a Total Loss;
If We make a Total Loss payment for Your Boat, whether it is the entire Boat or one or more of its Insured Components, We are entitled, but not obliged to take ownership of the item to which the Total Loss payment relates. Regardless of our decision whether or not to exercise this right, We will in any case be entitled to keep the proceeds of any salvage sale up to the amount We have paid out in respect of Your claim.
You are required to pay any applicable Excess shown on the Schedule, for each and every claim made under Your Policy. All claims arising out of one Accident or incident are treated by Us as one claim.
We pay the relevant amounts less the Excess payable by You.
In the event that We make a recovery which exceeds the amount We have paid You for a claim, You may be entitled to a refund of all or part of the excess applied subject to the provisions stated under Our rights of recovery on page 39.
In the event of a claim, any benefits that this Policy gives You depend on You giving Us full details of Your loss and the help that We require, including further written statements and documents We consider relevant. We may also require You to attend Court to give evidence.
You must help Us even after We have paid Your claim. We may attempt to recover the amount of Our payment from the person who caused You to suffer loss or damage or We may want to defend You if it is alleged that You caused loss or damage to someone else.
We may take over the defence of Your liability and defend, negotiate or settle the liability as We see fit. We may appoint Our own lawyers to act for You and You agree to waive in Our favour Your right to legal professional privilege.
You must notify Us immediately of any incidents, demands, notices or Court documents You receive relating to an Accident that resulted in or could result in a claim.
We have the right to recover from any person, in Your name, the amount of any claim paid under this Policy and We have full discretion in the conduct, settlement or defence of any claim in Your name. If We recover more than the amount We have paid to You or on Your behalf, We will pay You the balance (less any legal or other fees We have incurred in relation to the recovery action).
Before You enter into a contract of general insurance with Us, You have a duty, under the Insurance Contracts Act 1984, to disclose to Us every matter that You know, or could reasonably be expected to know, is relevant to our decision whether to accept the risk of the insurance and, if so, on what terms.
You have the same duty to disclose those matters to Us before You renew, extend, vary or reinstate a contract of general insurance.
This duty of disclosure applies until the contract is entered into (or renewed, extended, varied or reinstated as applicable).
Your duty however does not require disclosure of matter:
If You fail to comply with Your duty of disclosure, We may be entitled to reduce our liability under the contract in respect of a claim or cancel the contract or both.
If Your non-disclosure is fraudulent, We may also have the option of avoiding the contract from its beginning.
Everyone who is insured under the Policy must comply with this duty.
The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry.
We keenly support the standards set out in the Code. You can obtain more information on the Code of Practice and how it assists You by contacting Us. Contact details are provided on the back cover of this Policy wording.
If Your Policy has been issued through Our agent, or a broker who is acting under a binder arrangement with Us, then they are acting as Our agent and not as Your agent.
If Your Policy has been issued by a broker, other than a broker acting under a binder arrangement with Us, then the broker is acting as Your agent.
Where this Policy has been arranged through an intermediary a commission is payable by Us to them for arranging the insurance.
How We Collect Your Personal Information
We usually collect Your personal information from You or Your agents. We may also collect it from:
Why We Collect Your Personal Information
We collect Your personal information to enable Us to:
You can choose not to receive product or service offerings from:
To opt-out, call Club Marine – Freecall 1300 00 CLUB (2582) EST 8.00am to 7.30pm, Mon-Fri or EST 8.00am to 5pm Saturday. Alternatively, indicate Your decision in the appropriate area of the Privacy section of Club Marine's website at www.clubmarine.com.au
To Whom Do We Disclose Your Personal Information
We disclose Your personal information:
Disclosure Overseas
Your personal information may be disclosed to other companies in the Allianz Group that may be located in Australia or overseas, or business partners and service providers that are located overseas.
The countries to which this information may be disclosed include:
We regularly review the security of our systems that are used for sending personal information overseas. Any information We disclose to overseas recipients may only be used for the purposes of collection detailed above and system administration.
Access to Your Personal Information and Complaints
You may ask for access to the personal information We hold about You and seek correction by calling Club Marine on 1300 00 CLUB (2582) EST 8.00am to 7.30pm, Mon-Fri or EST 8.00am to 5.00pm Saturday.
Our Privacy Policy contains details about how You may make a complaint about a breach of the privacy principles contained in the Privacy Act 1988 (Cth) and how We deal with complaints. Should You wish to obtain more information about the privacy policies of Club Marine please call 1300 00 CLUB (2582) and ask for a copy of Our privacy brochures.
Telephone Call Recording
We may record incoming and/or outgoing telephone calls for training or verification purposes. If You require access to a recorded call, a copy or appropriate access will be provided by Us where available. It should be noted that not all calls are recorded and therefore not all calls will be accessible upon request.
We are proud to be the number one provider of pleasure craft insurance in Australia and pride ourselves on Our customer service.
If You are dissatisfied with Our service in any way contact Us and We will attempt to resolve the matter in accordance with Our Internal Dispute Resolution procedures. To obtain a copy of Our procedures contact Us on 1300 00 CLUB (2582). A dispute can be referred to the Financial Ombudsman Service (FOS) subject to its terms of reference.
It provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms and its contact details are:
The Financial Ombudsman Service
Free call: 1300 78 08 08
Post: GPO Box 3, Melbourne, Victoria 3001
Website: www.fos.org.au
In the unlikely event Allianz Australia Insurance Limited were to become insolvent and could not meet its obligations under this Policy, a person entitled to claim may be entitled to payment under the Financial Claims Scheme. Access to the Scheme is subject to eligibility criteria. More information can be obtained from http://www.fcs.gov.au.
If You need to clarify any of the information contained in this PDS or Your Policy documents, wish to confirm a transaction or You have any other queries regarding Your Policy, please use the contact details on the back cover.
Club Marine Limited
40 The Esplanade, Brighton VIC 3186
Australia-wide 1300 00 CLUB (2582)
International +61 3 9224 3037
A division of Allianz
This document is an SPDS that updates and amends the Pleasure Craft Insurance Policy Product Disclosure Statement and Policy Document ("PDS") dated 01 February 2017 issued by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 of 2 Market Street, Sydney NSW 2000 (Allianz).
This SPDS must be read together with the PDS and any other current SPDS that You were given which updates or amends the PDS.
From 1 November 2018, the Australian Financial Complaints Authority or 'AFCA' is the new external dispute resolution (EDR) scheme to deal with complaints from consumers in the financial system. It replaces the Financial Ombudsman Service Australia (FOS).
Allianz is a member of AFCA and this SPDS takes into account the above change.


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- New Arrivals
- Lunchboxes
- Lunch Bags
- Drink
- Accessories
- Tableware
- Brands
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Help eliminate the millions of plastic straws used every day with these durable and reusable silicone drinking straws, in a pack of 6 bright colours!
Earth savers and little whippersnappers rejoice, Montii's gone soft just for you. He knows stainless steel isn't always the go, so his new smooth silicone straws will hit the ground running. And he's ensured there's enough in his pack for all the gang to sip safely.

subset: commoncrawl


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The color sable is a very dark, almost black, shade of brown. It is named for the animal called a sable, which is a very dark brown, silky creature.
While most neutral colors are light, the color sable is classified as a warm, neutral color because of its brown undertones. In decorating or fashion it can be paired with almost any color as a background or accent color.
The sable's fur was popularly used in making fur coats. Some people have used the term 'sable coat' interchangeably with the term 'mink coat' because the two feel and look similar. The two are actually not the same, but they are both silky and have deep, rich color.


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Saturday, November 1, 2008
Gwen the Black Cat
Gwen LOVED her costume. She has been crawling around our house for the last two months with those cat ears on saying, "meow". Elle loved Gwen's costume too because she knew that any proper witch needed to have her own black cat.
Elle the Witch
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The "Not So Sweet" Truth About Sugar – Warning Signs Discussed
One of the leading causes of health issues and even death among many parts of the world has been linked to one very "sweet" yet deadly culprit which majority of us tend to ignore. Sugar is a very delicious mask that if taken in too much will cause grave health problems and can even damage your body without you noticing it.
A lot of us fall victim to our "guilty pleasures" be it in a form of cakes, pastries, chocolates or even your yummy smoothies and beverages. We think that an added amount of sugar in our system will give us an extra energy boost, but what we fail to realize is that it gives us more harm than good. That is why most of us tend to give a blind eye when it comes to issues concerning sugar and anything sweet.
Sugar Rush
In all honesty, yes, our body needs sugar in order to function properly and get enough energy to last us all day. But it does not mean that we can abuse our sugar consumption. Excessive sugar intake is probably one major health issues that most of us try to deny or even ignore because, well let's face it, most of us turn to sweets for comfort and "happiness".
Sugar is not a "bad" thing, remember that everything we eat is good for us as long as it is in moderation. In order for us to know if we have reached our body's "sugar limit", we need to know the basics of sugar intake and all there is to know about sweet, sweet sugar.
Sugar, Sugar, Sugar; The truth about what we eat
Keep in mind that sugar is not only considered as "sugar" alone. This means that "sugar" has many forms and can come from different food and drinks. The most common is your table sugar or granulated sugar which known as "sucrose". There are also those that come from your fruits, root vegetables, sugar cane and honey which is called "fructose" and is considered as the sweetest among all sugar forms.
There is also a type of sugar that comes from milk which is called "lactose" and those that come from cereal grains and malt known as "maltose". These are only some examples of the many types of sugar there is. That is why we must be more vigilant and particular of what food and drinks we eat. This is done in order for us to maintain our body's sugar level to an acceptably normal and healthy rate.
How much is too much?
The acceptable sugar rate for one's body depends on several conditions. This means that a male's sugar consumption differs from that of a female. The amount of sugar we take also varies on the type of health condition we have and age also plays a vital role as well. But generally speaking, here are the norm of how much sugar one must take per day:
- Male: 9 teaspoons of sugar (38 grams) a day
- Female: 6 teaspoons of sugar (25 grams) a day
- For children: 3-6 teaspoons ( 12-25 grams) a day
The main issue here….
The average sugar intake seems acceptable if you think about it right? But what we lack to take into consideration is the other forms of sugar that we eat. We count only the "teaspoons" of sugar we put in our coffee or tea and not the other sugary contents found in our fruits, cakes, meat, milk and the likes. Without knowing, the average person consumes around 20 teaspoons or 82 grams of sugar each day.
This sugar rate increases more for those in the children to teen range due to the fact that they are more prone and are more likely to consume more sugar as compared to adults. That is why child obesity is becoming more rampant as compared to previous years in the past. That is why, keeping a tab no your sugar intake is a must if you want to keep yourself healthy and fit.
Sugar Overload Alert
Our bodies always knows when it has too much. It can give "warning alarms" through our physical features or even how we go about our daily activity. That is why paying particular attention to our looks and how we do about our daily activities can save us from having further problematic health issues.
Visible and obvious signs
Like what was previously mentioned, our body gives us an early warning sign that we are bombarding it with too much sugar. So take note of these changes that you may encounter before it is too late.
You crave more sweets
You need more sweets and you seem to can't get enough even though you ate it already. This is because of the fact that your body longs for the "rush of energy followed by a crash" sensation when you consume it. Your body becomes addictive to it and makes sugar your drug and will force it to crave for more.
Sluggish and inactive you
Remember the "sugar rush" we were talking about? Well, it is always followed by a massive crash which leaves your body weak, tired and out of energy. Of course, with the sudden rush of energy your body felt when you consumed sweets, it is bound to run out and will leave your body sluggish.
Acne Alert
Some people have a severe side effect from consuming too much sweets and that is in the form of acne or rosacea. This is because of the sudden insulin peak from the sugar your body consumed. Hormonal imbalances are triggered by the insulin which is the main cause of your breakouts.
Sweets are not as sweet as before
When you bombard your taste buds with sweetness then you will force it to become too familiar with it. This will cause your sense of taste to "want more" because your body "feels" that the sweetness is not enough.
Moody moods
Being moody has something, well a lot actually, to do with your sugar rush as well. High energy causes you to feel happier and energetic. Think of it as the "Happy high" that you get when you a pumped up with energy. But what is the downside of it? Loss of energy causes you to become cranky, mood, angry and basically in a bad mood. This is like the rock bottom that you feel when you have lost your energy.
Health hazards
If you fail to see the warning signs your body give you, then your body will suffer from health issues that will possibly need medical attention if not further taken care of. Our body will still give us another chance to try to fix the problem it has so once again, pay attention to warning signals level two. Here are some examples of possible and most common health warning due to excessive glucose in our body.
Sudden Frequent Urination
The problem with an excessive sugar level in our body is that our kidneys are not able to reabsorb the fluids in it. What happens is that the body compensates by dissolving the blood into intracellular levels just to normalize the glucose in it. This will cause increase in urination.
Obvious Weight Loss
Even if you eat regularly and with the same amount in each meal you take, you will notice that you still lose weight regardless of your consistencies. This is because of the fluid loss due to frequency in urination. Another cause is our body's coping mechanism from lack of glucose it metabolizes thus forcing to fat burning.
Presence of Infectious Diseases
Infectious diseases are more prone because of the fact that our body becomes the perfect living space for those bacteria. Increased and excessive sugar intake causes our body to have excessive glucose levels. Where do bacteria and yeasts love to live in? Yes, a "sweet" environment where they can get their "meals" anytime and anywhere they want.
Wounds That Do Not Heal Easily
Delayed wound healing is common for those with excessive glucose levels. This is because it disrupts the circulatory system and the blood becomes unhealthy. Vascular damage becomes prominent and causes our tissues to become weak, especially in our limbs.
Reduce Your Body's Sugar Load
There is still time to reduce the "sweetness" in your body and it is not too late to start. Here are some easy yet effective ways to reduce the sugar level of your body.
- Remove all sweeteners. This includes table sugar, syrup, honey and any other forms of sugar that can easily be added to your meals and drinks.
- Replace those "sugar" that you removed with healthier versions of it. For example, instead of putting sugar on your oatmeal, add fresh fruits instead.
- Cut the sugar contents of the meal, dessert, drink, basically anything that you will make.
- Try replacing those recipes that require sugar with other sweeteners or herbs like almond, vanilla, orange, ginger cinnamon, nutmeg and the likes.
- Always check the sugar content of the things that you buy and make an effort to compare it with others so that you can get the item with the lowest sugar content.
- If you are find of salads, try to use oil based sauces instead of dressings to avoid extra sugar in your salad.
- Try to keep a variety of healthy snacks in place of your chocolate or cakes. Try these yummy yet healthy snack to nibble on:
- Nuts and dried fruits
- Celery or carrot sticks
- Fresh fruits
- "DARK" chocolate
- Toasted almonds
- Cheese in wheat crackers
- Remove butter from your cooking and use healthy oils instead like olive oil, almond oil and the likes.
- Replace you desserts with healthier options like fruit salad, dark chocolate or even plain yogurt or sugar free jellies.
- Start exercising by just taking walks or simple exercises to help your body get rid of the excess glucose
- Drink lots of water to keep your hydrated and flush out the excess sugar level in your system
A Sweet Ending
Sweets are definitely hard to resist, especially when you are used to it. This is because you rely on it too much for comfort or satisfaction. You should not deprive yourself of it either. Because your body still needs it as much as it needs water or air. You just need to keep track of how much sugar you consume and how often you consume it as well.
Most of us have already fallen victim to the "sweetness addiction". Furthermore, our issue is our consistency and dedication to avoid those "sweet temptations". Remember that you only need seven days to create a new habit. This means that you have to be consistent and do not give up for at least a week. Eventually you will be able to adjust to it accordingly. Your body will also be able to slowly make its way back to being healthy and now wanting as much "sugary madness" as it used to.


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The Non-Banking Financial Companies clocked higher profits in 2008-09 as compared to those of commercial banks reeling under liquidity crunch, a survey by industry body Assocham said. "Over all profitability of NBFCs in 2008-09 stood higher at 18.90 per cent compared to commercial banks whose average profitability has been at the lower side of 10.08 per cent," the chamber said.
"As financial markets faced heat of global crisis in 2008-09, most of NBFCs faced problems in fund raising. Yet, their profitability was much higher as compared to their competitors in scheduled commercial banks," it said.
Among the seven NBFCs surveyed, highest profitability was reported by IDFC at 20.89 per cent, with total income at Rs 3,626.38 crore with net profit of Rs 757.73 crore in 2008-09 followed by HDFC and PFC at 20.76 per cent and 20.67 per cent respectively, Assocham President Sajjan Jindal said. "The RBI's monetary measures by cutting interest rates during 2008-09 has benefited the NBFCs since many of them finance their operations through market borrowings," Jindal said.
Aggregate net profit to total income ratio of 17 public sector and 12 private sector banks reported to be 10.08 per cent during 2008-09, Assocham said.
Among the PSBs, highest profitability was reported by Indian Bank and Bank of India at 15.83 per cent and 15.50 per cent respectively, it said adding that among private banks, the top positions were occupied by Axis Bank and Yes Bank at 13.22 per cent and 12.46 per cent respectively, among others.
The aggregate total income of NBFCs grew by 57.3 per cent to Rs 28,208.72 crore in FY'09 from Rs 17,906.84 crore in the previous fiscal, it said. The chamber, however, has not mentioned the name of all the banks and NBFCs.


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Yes, there are flamingos in Kuwait outside of the zoo. These flamingos are located on protected land beside the Sabah maternity hospital which is where I go to the baby ward and take the mothers donations. I couldn't get close enough for better pictures and only had my phone to take pictures with. But they are beautiful none the less.
Monday, January 2, 2012
Flamingos in Kuwait
Posted by Crazy in Kuwait
Labels: information , Kuwait , personal
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Depression Center
William Marchand, M.D.
William R. Marchand, M.D., is the Chief of Psychiatry at the George E. Wahlen VAMC in Salt Lake City, Utah, and a Clinical Associate Professor of Psychiatry at the University of Utah. He is the author of "Depression and Bipolar Disorder: Your Guide to Recovery" and "Mindfulness for Bipolar Disorder: How Mindfulness and Neuroscience Can Help You Manage Your Bipolar Symptoms."


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start here!
free consultations (972) 392-1225
The Dallas personal injury attorneys at McGilberry & Shirer are devoted to holding liable parties responsible for their actions and will work aggressively to help you recover for the damages your industrial injury or illness has caused. The industrial accident attorneys at McGilberry & Shirer have been helping clients in Texas for decades and are fully versed in all areas of personal injury law, including industrial accidents. We've helped thousands of clients win compensation for medical damages, lost wages, emotional trauma, and more. If you believe that your recent industrial accident was caused by the carelessness of another person or entity, you may be able to collect compensation for the damages you've suffered.
The industrial sector in Texas is continuously growing, and the risks of industrial illness and injuries are increasing as well. The reality is that industrial workers of all types, such as those in construction, coal miners, and chemical plant workers are exposed to dangers every time they are on the job. Though many industrial workers ensure their safety by taking special precautions while handling potentially dangerous materials, they cannot always avoid the damages inflicted due to the negligence of another party.
In addition to the physical strain, suffering from an industrial injury can be financially and emotionally draining. If you have sustained injuries from an industrial accident, you may be entitled to the following compensation:
Contact us or call (972) 392-1225 to schedule a consultation today.
Though employers in the industrial sector are obligated to ensure the safety and the well-being of their employees under the law, the fact remains that the various types of workplace and industrial accidents typically occur when companies do not implement and monitor safety regulations or do not train their employees properly. A handful of common causes of industrial accidents include:
Regardless of the cause, the effects of industrial accidents can be devastating on many levels. The most common industrial injuries that typically occur when safety regulations and procedures are not adhered to include:


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Brenton Avdulla Jockey Of The Month August 2016
Jockey Of The Month - Brenton Avdulla
Brenton Avdulla is the BetsFree Jockey of the Month for August. With a winning treble last week to start the new season in style, this award acknowledges Brenton's win of the NSW's jockey premiership last season.
Hailing from Melbourne originally, he has benefited from his shift to Sydney under the guidance of trainer Gai Waterhouse initially. Brenton puts his win last season down to a renewed effort to work harder for success. Riding more often and taking the opportunities when they present themselves.
The winner of four Group One wins over his career so far; and he had a strike rate of around sixteen percent in NSW last season. He had sixty-eight wins on provincial tracks, which lifted him to greater prominence. Bigger stables have begun to regularly book him for important rides and the future looks rosy right now.
Brenton Avdulla is looking forward to possibly his greatest spring carnival yet.
Recently he has garnered a few rides for the mighty Godolphin stable and if he can impress them the sky may be the limit. Brenton had a nice win on a young horse called Cocoexel for trainer Chis Waller at Warwick Farm last week.
The Sydney Morning Herald racing journalist, Chris Roots, has declared Brenton Avdulla to be the form Sydney jockey at the moment. Basing this evaluation on the fact that Brenton has saluted at every city Saturday meeting dating back to April. He became a freelance jockey some eighteen months ago and it has been paying dividends for the winning hoop. Trainer John O'Shea reckons Brenton has gone to another level in his riding. Combining that with his naturally light frame, means plenty of rides beckoning from the big stables.
Chris Waller has called him the most dedicated of all the senior riders currently going around in Sydney. Avdulla has a substantial weight advantage over Sydney's best jockeys, James McDonald and Hugh Bowman. Avdulla has the ride on Kentucky Miss in the San Domenico Stakes for Joe Pride at Rosehill Gardens on Saturday.
Although up against Capitalist, with the wet track a distinct likelihood, Pride is hoping for a better run than the last effort at Caulfield. betsfree.com.au congratulates Brenton Avdulla as a worthy winner of August's Jockey of the Month; and is reasonably sure that more success is just around the corner. We predict a big spring carnival for this hoop in 2016.


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What is physical anthropological data?
This is the personal data that is recorded during a physical examination of skeletal remains that can describes the physical characteristics, like height, ancestry, age, left or right handedness, previous health conditions - all of which can assist in identification. An example of anthropological data that may assist in the identification of a soldier would be where a soldier has broken a bone in the past, which is documented in their medical records and evidence of the healed fracture can still be seen on the bone of the unknown soldier's remains.
How is anthropological data obtained?
Each soldier's medical records, enlistment documents and Red Cross documentation is reviewed during the investigation. This personal data is cross-referenced for identification clues. When human remains are located they are examined by a forensic anthropologist and odontologist, and each specialist produces a detailed report, outlining all potential characteristics which may assist in identification.
What is the difference between post-mortem, peri-mortem and ante-mortem data?
The term 'post-mortem' refers to 'after death' and this is generally the information which can be obtained from an examination of human remains; including physical characteristics like height, ancestry, age, left or right handedness and previous health conditions. The term 'peri-mortem' refers to 'at the time of death' and this might include information about cause of death such as wounds and other trauma. The term 'ante-mortem' refers to 'before death' and generally includes information collected during a soldier's life, including age, height, injuries, stature and ancestry. In the course of an investigation post, peri and anti-mortem data is compared to produce a conclusion as to the likelihood that the remains are a possible match for a missing Australian soldier.
What if remains of two individuals are co-mingled?
All recovered human remains undergo careful forensic examination by a forensic anthropologist and odontologist. When human remains are co-mingled these expert examinations will often be able to separate individuals. If one soldier was, for example, taller than the other, it is often possible to use bone measurements to separate the individuals. DNA may also be able to provide identification of the individuals.
What happens if you recover remains that cannot be identified?
The remains of unknown soldiers that are identified as Australian by forensic examinations and investigation are buried in an appropriate war cemetery with an inscription on the gravestone reading "An Australian Soldier", and an inscription that reads "Known unto God". All anthropological data is retained on our database in the hope that a family member will one day provide a family reference sample to enable identification; or that new information will come to light that will enable an identification. In such cases the headstone is replaced with one bearing the soldier's personal details.
Media releases
4 January 2020Operation Bushfire Assist 10 December 2019135th Graduation of the Australian Army's Future Leaders 20 November 2019Australian Army and Queensland Police Service recognised for efforts during Townsville floods 30 September 2019Retired Army Banner laid up at Kapooka 25 September 2019Delivering the next generation of network assurance for the Australian Army


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Union Pacific Railroad to Award More Than $35,000 in Video Remake Contest as Company Kicks Off Year-Long 150th Anniversary Celebration
Special www.up150.com website includes historical timeline and invites fans to submit their personal stories
Media Kit
Omaha, Neb., January 03, 2012 As part of the launch of its 150th anniversary celebration website, Union Pacific Railroad will award more than $35,000 in prizes to the top entries that remake the company's classic 1970s television commercial, "We Can Handle It."
Video remake contestants can find information, rules, sheet music to the commercial's Great Big Rollin' Railroad theme song, and other resources at www.up150.com. Entries are encouraged from all music genres including blues, reggae, pop, country, rock, hip hop, rap, jazz and others. The grand prize winner will receive $15,000, two finalists will receive $5,000 each and six runners up will receive $1,000 each. One entry each month also will win receive $1,000. Entry deadline is July 1, 2012, and contestants must be 18 years of age or older.
The original We Can Handle It television spots featured hand-clapping, foot-stomping employees from across the Union Pacific network singing the Great Big Rollin' Railroad lyrics in a variety of settings, some more on key than others. Several different versions of the commercials were produced and aired. Still popular today, the Great Big Rollin' Railroad ring tone has been downloaded more than 100,000 times.
Interactive Timeline
Rail enthusiasts, Abraham Lincoln fans, students, history buffs and employees will enjoy visiting the railroad's interactive and resplendent historical timeline published at www.up150.com, Combining history and high-tech, the timeline highlights in detail 60 milestones in Union Pacific's history and features more than 100 photos from Union Pacific's archives.
Tell Us Your Story
Union Pacific today is part of more than 7,300 communities across the western two-thirds of the U.S., many of which were settled as a result of their proximity to the railroad. Nearly everyone has a story about the railroad, whether it involves working on it, riding the train, or just appreciating the power and technology of a 200-ton locomotive rolling across the countryside. As part of its 150th anniversary celebration, Union Pacific invites everyone to share their stories via www.up150.com and become part of the railroad's history. Stories can be shared via Facebook or Twitter and website visitors can vote for their favorite stories.
About Union Pacific
One of America's iconic companies, Union Pacific celebrates its 150th anniversary in 2012. Abraham Lincoln signed the Pacific Railway Act of July 1,1862, creating the original Union Pacific. Today, Union Pacific Railroad is the principal operating company of Union Pacific Corporation (NYSE: UNP), linking 23 states in the western two-thirds of the country by rail and providing freight solutions and logistics expertise to the global supply chain. From 2000 through 2011, Union Pacific spent more than $31 billion on its network and operations, making needed investments in America's infrastructure and enhancing its ability to provide safe, reliable, fuel-efficient and environmentally responsible freight transportation. Union Pacific's diversified business mix includes Agricultural Products, Automotive, Chemicals, Energy, Industrial Products and Intermodal. The railroad serves many of the fastest-growing U.S. population centers and emphasizes excellent customer service. Union Pacific operates competitive routes from all major West Coast and Gulf Coast ports to eastern gateways, connects with Canada's rail systems and is the only railroad serving all six major Mexico gateways.
Media contact: Tom Lange at (402) 544-3560 or firstname.lastname@example.com.
- www.up.com
- www.facebook.com/unionpacific
- www.twitter.com/unionpacific
- www.up150.com
- www.upstore150.com
The statements and information contained in the news releases provided by Union Pacific speak only as of the date issued. Such information by its nature may become outdated, and investors should not assume that the statements and information contained in Union Pacific's news releases remain current after the date issued. Union Pacific makes no commitment, and disclaims any duty, to update any of this information.


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Hi guys,
here I am in the middle of my stay at this glorious spa, and today I had several procedures and one was called the Mirror Pool.
Spoke to my Robbie this morning who asked what the Mirror Pool was, and I said I didn't know. Possibly a pool where one gets naked and stands in front of mirrors and realise what they actually look like!!!!
Actually what it was was a long soak in a still, hot thermal pool.
It was really lovely.
There was little ol' me and a pretty Parisian lady of Lebanese origin.
Parisian lady was not impressed that we were asked to disrobe and enter the thermal pool naked. Oooo-la-la, she said. The spa lady said, "we're all girls here." and dismissed her uncomfortable-ness.
I felt sorry for her and so channeled my best corporate wife persona and started a happy, friendly convo with her, and in a few minutes we were fast friend, fast naked friends, and soaking happily in the thermal pool. 🙂
Anyway, the whole point of my naked thermal soaking story is to say nothing happened today.
I had the soak, I had a massage and then I planned have a swim, take an evening walk, take some boring for you photos, tell you nothing much happened, show you my journal so far… you know, make some content for you…
…and then!!!
All hell broke loose.
Just as I finished having my massage and got ready to go for a swim, a large and ancient chestnut tree fell over at the pool.
Just crash!
Just like that.
Two second warning.
It crushed several metal pool chairs.
It shocked the hell out of everyone there and in the resort.
Thank the gods there was no one under the path of the fall or in the chairs at the time.
Just sheer stupid luck because there were people all over the pool area.
The whole resort sprung into action.
The pool area was closed "Due to technical difficulties". No kidding!
The pool was immediately drained and a crew was immediately on site removing the bits of the tree.
I must say that for a shocking and potentially horrific situation, the staff at this spa were clear and level headed and got everyone and everything out of harm's way in just a few minutes.
Here is what's left of the fallen tree this evening.
Here is a close up of the root…or lack there of.
So that was it guys, no swimming this evening for your's truly shark girl.
Instead I went for a long afternoon-evening walk along the river Vah.
Look at this guys, the first peacock butterfly I've seen this season.
This is all you get get to see of no make up, no Visene, no antihistamine me today!
The cotton wood aspens and in full cotton wood mode, the lindens are fragrant in the air and, combine that with mineral water and pool water earlier, various massage oils, and three showers before supper, and my eyes are red like a proper allergic person!
But that's OK, I'll sleep it off. In the meantime, look at this amazing European river.
I love these wide, slow rivers, the sparkling rivers of my childhood.
I don;t even mind not having a swim this evening as long as I can stay here till sunset.


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Search spray booths, equipment, accessories and supplies.
Why RBF Machine Services?
RBF Machine Services Inc is an experienced distributor of industrial spray equipment for liquid and powder coating applications. We are centrally located in Lancaster County and service customers in Pennsylvania, New Jersey, Delaware, Maryland and Virginia. We have experienced personnel that can be a resource when you have a new application or trying to find a way to solve an application with existing spray equipment. We are available by phone or site visit for sales and technical questions. Most importantly, we install all of our own equipment and have repair services for your new or existing equipment. We have a wealth of information about the lines offered by the major manufacturers of spray booths and spray equipment having worked extensively with the various equipment. We have technicians that have been in the spray finishing industry for over 20 years. RBF Machine services is a knowledgeable and experienced partner for all your finishing needs.
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- Powder Gun Repair
- Machine Shop Service
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- Spray Finishing Guns
- Spray Finishing Parts and accessories
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Toll free USA: +1 866 7685 671
Toll free Mex: 800 00 WAYAK (92925)
Mexico: +52 55 5652 9331
E-mail: firstname.lastname@example.com
For those who like an adrenaline rush, Six Flags is the perfect place for you! With rides such as Superman: The Last Escape, and The Wild River and boasting the fastest Rollercoaster in Latin American even the biggest adrenaline junky will be thrilled. There is also something for all the family like Uncle Twisty's Cabin and the Turbo Bungy. Book now for a day full of fun and excitement!
Six Flags México, Heroes de Padierna, Ciudad de México, México
Departures from: Mexico City
We will pick you at the lobby of your hotel.
We will arrive to the park around 10:00 a.m.
We will set the pick up time to take you back to the hotel.
A great place for everybody!
** This itinerary may vary
Important to check the park schedules.
With so much to choose from. Where do you start? Right here. Look all the incredible things you can do at Six Flags Mexico. From exciting roller coasters to gentler options for children, relax at one of our shows and eat at one of our restaurants. Do not forget to buy a souvenir to remember this great experience.
Ride the Rollercoasters
Get your adrenaline rush with the Six Flag's wooden rollercoaster, which is the fastest in Latin America, or find yourself spun upside down and back and forward on the Boomerang.
Family Fun
When it comes to fun for all the family we recommend Uncle Twisty's Cabin, The Junior Rollercoaster and jumping around on the Turbo Bungy.
Shows and Attractions
You can enjoy one of the many shows and attractions that Six Flags offer. Catch a show featuring your favorite superheroes and Looney Toons characters, a water show with dolphins or the wonderful nighttime light display.


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Nike LunarEclipse4
Not built like a gazelle? No matter. This supremely flexible, forgiving shoe allows even bigger runners to tack on more mileage, thanks to a soft ride that one tester described as "bouncy." Not to say that it's not technically sound: Its fly-wire tech fits the midfoot like a glove. Reflective graphics make its wearers more visible to cars, too. (11.6 oz; 10mm drop) [$135; nike.com]
For access to exclusive gear videos, celebrity interviews, and more, subscribe on YouTube!Back to top


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When a person suffers from degenerative disc disease, spine trauma, or cancer of the spine, the result is decreased stability that can produce pain — often severe — during normal activities. Surgeons will first attempt conservative measures such as cortisone injections and physical therapy to strengthen the muscles of the lower back, but if these conservative treatments are unsuccessful, the only alternative is to address the pain through surgery. This procedure, known as a fusion and fixation, prevents movement in the unstable portion of the spine, thus reducing the pain.
A standard fixation device consists of plates and rods that are attached to the vertebrae with wire, pedicle screws, and hooks. Bone graft material is often used to promote fusion for long-term stability and relief from pain. Unfortunately, these fixation devices often require the use of bulky instrumentation, which surgeons may find awkward and difficult to use.
Interspinous process (ISP) fusion has been shown to be a safe and effective alternative to traditional methods of posterior spinal fixation (i.e., pedicle screws). A high degree of biomechanical stability and reliable fusion rates are achieved with preservation of adjacent level structures when using ISP fusion implants. Because ISP fusion devices do not violate adjacent facet joints, they can potentially decrease the likelihood of adjacent segment degeneration, changes in the motion segments above and below the surgery site.
A new type of ISP fusion device offers a less-invasive alternative to traditional pedicle screws and other spinous process plates that are placed in open procedures. Spinal Simplicity's Minuteman™ G3 innovative prepackaged sterile fixation system has made the procedure simpler, faster, and accessible to a greater patient population (see Figure 1). The spinous process fusion plate received FDA 510(k) clearance in January 2015 and the first procedure in the United States was performed the following April. A similar device, known as the Minuteman™ G1, has been available in Europe since 2011. To date, over 500 procedures have been performed in Europe with the Minuteman™ G1 device. In 2016, the company introduced a hydroxyapatite-coated version of its fixation device. The FDA-cleared coating, also known as a bone mineral, occurs naturally in bones and teeth, and promotes osto-integration.
The Minuteman device consists of a core threaded post with graft window, expanding plates that open on the far side of the spinous processes, a fixed plate for the near side of the spinous processes, and a locking hex nut to secure the device in place. An inserter is used to surgically implant the device by expanding the wings and to tighten it to the inferior and superior spinous process using a simple instrument design. The components of the system, particularly the Bal Spring® canted coil spring, are critical to the device's unique design. This article examines the inner workings of the Minuteman and how the innovative design of the device has advanced the treatment of complex spinal disorders.
Minimally Invasive Procedure
Much like traditional spinal fixation devices, the Minuteman device is intended for fixation to the spinous processes to provide supplemental fixation for degenerative disc disease, spondylolisthesis, spine trauma, or spinal tumors. It can also be used as an adjunct to lumbar interbody fusions [e.g., anterior (ALIF), direct lateral (DLIF)], thus reducing the approach-related trauma to normal healthy tissue. The Minuteman reduces approach-related morbidity, decreases OR time, minimizes blood loss, and provides for quicker patient recovery and return to normal activities.
Unlike other ISP devices, the surgical technique is easily reproducible. The Minuteman device can be implanted under minimal fluoroscopy using a direct lateral or posterior unilateral approach. Direct lateral surgeons can now insert a supplemental posterior fixation device with the patient remaining in the lateral decubitus position (lying on one side) in 10-15 minutes. The same access port used for the anterior interbody is used during the direct lateral approach to gain access to the inter-spinous space. Also unlike all other devices, the Minuteman does not require dissection, stripping, and retracting of the paraspinal muscles, or removal of the superspinous ligament. Following the dilation of the surgical access site (using an incision that is smaller than the diameter of a golf ball), the surgeon uses Spinal Simplicity's patented sizing instrument to lightly decorticate the fusion site in a controlled manner and to determine the appropriate implant size. To accommodate various patient anatomy, the fixation device is provided in five different sizes. Regardless of the implant size, all use the same size plunger, which helps ensure a consistent experience for the surgeon from one surgery to the next.
The lateral minimally invasive approach to the spine is posterior to the level of the facet joints, in what is also considered a safer zone. This reduces the potential of damaging the neural and vascular structures, avoiding the risks associated with misplaced pedicle screws. Compared with pedicle screws and other ISP devices, the Minuteman's lateral minimally invasive approach means patients experience less soft tissue disruption and less blood loss than during open spinal surgery as well as less postoperative pain. The procedure occasionally has been performed under local anesthesia (with IV sedation in an outpatient setting), providing a treatment option for patients who should avoid general anesthesia due to their age or because of comorbidities such as coronary artery disease and aortic stenosis. These patients, who are high-risk candidates for traditional spinal procedures, were offered relief from pain through a minimally invasive approach that doesn't require "going under."
The Nuts and Bolts
The device's fixed plate, which mates with the locking hex nut, consists of two sets of spike grips that attach to the spinous processes to provide stabilization of the spinal segments (see Figure 2). Each spike grip set contains three spikes. The extension plate has two spike grips that attach to the spinous processes, the bony projections that extend from the back of each vertebrae. Each spike grip on the extension plate also contains three spikes. The extension plate is stowed during insertion and deployed for final fixation.
The Minuteman's core post sits on the flat surface of the device, not the threads. The core threaded post is unique to the Minuteman device. It allows for the device to distract the spinous processes in a controlled manner to help prevent spinous process fractures. The core threaded post also provides indirect decompression of the posterior column of the spine, which leads to widening of the foraminal diameter of the vertebral openings that house the spinal nerve roots. This reduces the soft tissue compression by stretching the ligamentum flavum, posterior annulus, and facet capsule. The threaded post also has the largest graft window of all ISP devices available to the market. This window size is on par with TLIF inter-body cages, and promotes the ingrowth of bone by means of the graft material that is delivered to the spinous process in this window. The Minuteman G3 has hydroxyapatite coating on both the core and the extension plates to promote the ingrowth of bone to the implant.
Auto-lock technology provides secure, reversible, zero-step locking fixation of plate halves, regardless of plate positon on the spinous processes. The auto-lock allows the surgeon to tighten the Minuteman in variations — depending on the anatomy and quality of bone — without backing out or loosening the device. The vibration-resistant auto-lock is reversible and can be repositioned during the surgery to provide optimal positioning.


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QUESTIONS RAISED: Wagga driving instructor Glen Gaudron has raised concerns about a proposal to have driver education taught in state high schools. Picture: Les SmithWagga opinion is divided on whether driver education should be taught in NSW high schools.
The Confederation of n Motor Sport (CAMS) is "in discussions" with state governments to introduce driver education into the school curriculum.
CAMS president Andrew Papadopoulos has said his group developed a proposed syllabus for high schools, which includes five three-hour lessons for up to 30 students at a time.
He said a pilot program for 20 schools consisting of theory and practical driving lessons would cost an estimated $100,000.
NSW Member for Coffs HarbourAndrew Fraser has backed to idea and is publicly calling for Nationals Leader John Barilaro's support.
Member for Wagga Daryl Maguire said his parliamentary colleague's suggestion was "a reflection of the general public's frustration with the road trauma".
"Nothing has been put forward to the party room, but good healthy discussion is a positive thing," Mr Maguire said.
"I think when it comes to driver education more emphasis could be a positive thing in a controlled environment, but I wouldn't like to see 12-year-olds on the road behind the wheel."
Wagga Rod and Custom Car Club president Alan White has long been a proponent of driver education in schools.
Mr White said he began teaching his own children driving and maintenance skills when they were quite young.
"It concerns me that kids are growing up playing Xbox where games show cars crashing and then fixing themselves," he said.
"I've got four kids, two boys and two girls and I taught them how to maintain their vehicles," Mr White said.
"It's a bit hard for parents to teach their children.I have a mechanic background –some parents wouldn't know what to teach their kids."
Mr White said he wanted to see children taught to understand cars and shown that "things can go wrong".
Wagga driving instructor Glen Gaudron, a former teacher, expressed concerns about the impact of trying to shoehorn even more requirements into an already packed school curriculum.
Mr Gaudron, from the Able Driving School, also questioned who would be teaching the lessons.
"I have to ask who will be doing it," he said.
"If kids are not being taught properly, it is really easy for them to pick up bad habits."
Mr Gaudron said he would also be concerned if lessons were offered to students as young as 12, the age of many when they enter Year 7.
"Some are going to be just too young and silly to take the lessons seriously," he said.


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If the Referral Promo code does not work, you may contact our customer care team by calling : Within Malaysia: 1 300 130 888 Outside Malaysia: +603 7661 6228 You may also contact our customer care team via email: Email: [email protected]
Category: Referral
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You can check if you have received the reward by following the steps below: 1. Log in to the HelloGold app. 2. Click "History" (for Android : Click "Transaction History" in the menu). 3. For every reward you earned, it is shown as "Referral Bonus".
How long does it take to receive my reward?
You would receive the reward as soon as your friend who uses your referral code successfully purchase the minimum amount of gold required by the Referral Promotion.
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No. You need to make a one time purchase of the required amount of gold in full amount using the Referral Code in order to enjoy the discount.
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HelloGold users can copy the code by clicking the copy icon. HelloGold users can also share it through other platforms ( Example : Facebook, Twitter, Email, WhatsApp, Telegram, etc ) by clicking the share button and selecting his/her friends they would like to share their Referral Code with.
How do I get the Referral Code?
You can start sharing your Referral Code when you become a HelloGold Basic user. To find your Referral code, navigate to "Rewards" and go to "Invite Friends" tab.
What is a Referral Code?
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Is The Great Gatsby the forerunner of the modern crime novel?
In my younger years, my father gave me some advice — wait, that wasn't me.
Let's try again: In my younger years, I read The Great Gatsby twice. Once in high school, again in college, sprinting through its nine economically-written chapters so I could write the obligatory paper on "Car Culture and the American Dream in Gatsby." I didn't slow down to pay attention to the details, because I wanted to get back to what I really loved in those days — reading hardboiled crime novels. Which is funny, because had I paid attention, I would have seen that Gatsby is, in all but structure, a hardboiled novel. The literary techniques that turn up again and again in noir – a detached narrator, a temporary love interest, and great big pile of plot coincidences – can all clearly be seen in 'Gatsby.'Continue reading Nick Carraway, P.I.


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Cellular Baby Blankets
Keeping Baby warm and cozy is a priority for parents, and our Cellular blankets are the perfect item to regulate Baby's temperate.
This Blanket's real benefits lie within its cellular construction, which provides insulation and breathability at the same time.
Cellular Blankets have the option of personalisation with Baby's name or intitals, or add a trim in any of our designer fabrics to perfectly coordinate with your Nursery linen
- They are made from 100% breathable Cotton
- Size: 85cm x 110cm
- Colours: Pink, Blue, Oatmeal, White
Design Options:
- Personalised with Baby's name embroidered in choice of lettering colours
- Designer fabric trim across the top (to match your bedding)