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Angler:Mr.HUKUI
ROD：PLAISIR ANSWER PA-B80SOPMOD
REEL：GRAPPLER301HG / SHIMANO
LINE：PE#4 + Shockleader 40lb
Angler:Mr.HUKUI
ROD：PLAISIR ANSWER PA-B80SOPMOD
REEL：GRAPPLER301HG / SHIMANO
LINE：PE#4 + Shockleader 40lb
There are two doors. One door leads to Heaven while the other door leads to Hell. An Angel stands in front of each door. One Angel always tells a lie while the other always tells the truth. You do not know which Angel or door is which. You are allowed to only ask one question. So what one question must you ask to determine which door is which so you can finally go to Heaven?
© XD Photography (photo)
Answering questions from the kids. Lots of smart questions from these kids. They were eager to learn more!
Does anybody really care?
Judging by the folks going in and out of the mini-mart across the street, the answer is No. Turtle Creek town clock.
A communist/pro hamas sponsored march through the streets of hollywood to CNN to protest biased media for not being biased enough?
Wheeling Fire Departments Engine #2 And Ladder #1 Respond To The Internal Alarm At The Former Capital/State House For The State Of West Virginia.
最高貴的美是這樣的一種美,
它並非一下子把人吸引住,
不做暴烈的、醉人的進攻;
這種美容易引起反感。相反地,
它是那種漸漸滲透的美,
人幾乎不知不覺把它帶走,
一度在夢中與它重逢,
可是在它悄悄久留我們心中之後,
就會完全佔有了我們,
使我們的眼睛飽含淚水,
使我們的心靈充滿憧憬。
在觀照美時我們渴望什麼？
渴望自己也成為美的：
我們以為必定有許多幸福與此相聯。
但這是一種誤會。
－尼采《人性，太人性的》
I'm absolutely amazed with this service!!
This is the best thing you can expect from a professional network: professionals answering your questions.
I love Linked-In!
Federal Highways Administrator Victor Mendez speaks about the I-40/77 project with Secretary Gene Conti (l) and N.C. Board of Transportation Chairman Robert Collier.
ROD: PLAISIR ANSWER PA-B80 SOPMOD / zenaq
REEL: SALTIGA BJ 100SH / daiwa
LINE: Avani CastingPE SMP#4号 / VARIVAS
SHOCK LEADER: VEP Shock leader40lb / VARIVAS
LURE: A.C.Mag shad7in/A.C.plugs
Bill . This Veteran Says No War . ANSWER Anti-War March on the White House . New York Avenue at 15th Street, NW . WDC . Saturday, 22 March 2003
Salk Lake City mayor Ralph Becker with reporter Nia-Malika Henderson at the Washington Post event "America Answers: Fix My Commute." Studio Theatre, 1501 14th St NW, Washington, DC.
This screen capture was taken less 5 minutes after the candidates had stopped answering the "abortion" question.
For those who didn't see the debate, an audience member asked a question of the candidates amounting to "What will you look for in a Supreme Court appointee?" Before the first candidate was able to answer, a CNN moderator interrupted to ask the candidate to include his stance on abortion in his answer.
Video of the question is here on CNN's site for now. (You can hear Biden laughing in background at the absurdity of asking for an audience question and then changing it when it wasn't what CNN wanted)
This obvious manipulation of the audience member's question was made more understandable when I looked at the CNN front page and saw their lead story, updated before the question had been asked.
This could, of course, be the result of CNN having agreed with the audience member beforehand on what her question would be, and the questioner accidentally or purposefully modifying her question into what turned out to be a more interesting query. As all of the candidates' stances on Roe v. Wade are well known, CNN might not be going out on a limb by stating they all agreed ahead of time, but if that's the case, it still doesn't seem to meet journalistic standards. Regardless, it's a very revealing peek into the workings behind CNN's debates and reporting, and puts into doubt the value of audience-sourced questions.
Dinosaur Gardens, Ossineke, Michigan. Up the steps, through the door. This is where Jesus and his great heart resides behind a scratched plexiglass window in the front of the beast. Another similar window, in the rear, reveals three small figures, distressed, in the bowels of Hell?
Andrew Card with Jonathan Capehart at the Washington Post event "America Answers: Fix My Commute." Studio Theatre, 1501 14th St NW, Washington, DC.
ROD: PLAISIR ANSWER PA-B80 SOPMOD / zenaq
REEL: SALTIGA BJ 100SH / daiwa
LINE: Avani CastingPE SMP#4号 / VARIVAS
SHOCK LEADER: VEP Shock leader40lb / VARIVAS
LURE: A.C.Mag shad7in/A.C.plugs
I spent the day at Brookvale Public School, visiting as part of CSIRO's Scientists in Schools program. I showed kids from kindergarten to year 6 various things about astronomy. They were really keen and had lots of questions!
ANGLER: Mizuki Kinugawa
ROD: PLAISIR Answer PA-70
REEL: CERTATE 2004
LINE: PE1.5+30lb
LURE: CD7/rapala
CL minnow/lucky craft
www.cnbc.com/2022/12/01/how-covid-has-changed-life-insura...
‘It’s a work in progress.’ How Covid has changed the life insurance marketplace
▪ Individual U.S life insurance application activity increased by 3.4% in 2021, following a record-breaking year-over-year growth of 3.9% in 2020.
▪ The industry is still wrestling with mortality assumptions related to Covid-19, and how shifts may affect the life insurance underwriting process.
▪ In the meantime, consumers may see Covid questions on life insurance applications, and experts are stressing why it’s critical to answer truthfully.
As Americans brace for the third winter of the Covid-19 pandemic, many are still grappling with ongoing related health and financial issues — including insurance battles over long Covid treatments and disability claims.
But for the life insurance industry, experts say the long-term effects aren’t yet known.
“It’s a work in progress,” explained Michel Leonard, chief economist and data scientist at the Insurance Information Institute. “There’s not enough statistical data at this point.”
Faced with a staggering loss of life, insurance firms saw payouts soar during the pandemic.
U.S. life insurers paid more than $90 billion to beneficiaries in 2020, a 15.4% increase in payments compared to 2019 — the largest year-over-year jump since the 1918 influenza epidemic, according to data from the American Council of Life Insurers.
Payouts to beneficiaries increased by nearly 11% in 2021, jumping to over $100 billion, the organization’s latest report shows.
The demand for life insurance policies also jumped as consumers rushed to protect loved ones.
Individual U.S life insurance application activity increased by 3.4% in 2021, following a record-breaking year-over-year growth of 3.9% in 2020, according to the MIB Life Index’s 2021 annual report.
However, the life insurance industry is still wrestling with mortality changes and how these shifts may affect the underwriting process.
There’s still ‘uncertainty’ about mortality
Stuart Silverman, principal and consulting actuary at Milliman, an actuarial and consulting firm, said the Covid-19 pandemic has affected the life insurance industry in several ways, as outlined in a paper he co-authored in June.
Two areas of consideration are “mortality assumptions,” which are projections of death rates and the “capital requirements” needed to keep life insurance providers solvent. Both can factor into the price of policy premiums, he said.
While it’s clear mortality rates have increased since the beginning of the pandemic, experts don’t know yet how factors related to Covid like preexisting conditions, compromised mental health or delayed care may affect future assumptions, according to the paper.
“I think there is uncertainty with how this will unfold,” said Silverman, noting there’s “ongoing debate” on many of these points.
How ‘long Covid’ affects mortality assumptions
Future mortality assumptions are murky for those who may be suffering from so-called long Covid, one of the terms used to describe lingering health problems after contracting the virus.
These conditions affect an estimated 7.7 million to 23 million Americans, according to a report released by the U.S. Department of Health and Human Services on Nov. 21.
“It’s really difficult to underwrite for something that you don’t have a clear way to diagnose and define,” said Marianne Purushotham, corporate vice president and head of Limra’s data services.
Overall, the life insurance industry is in a “major data gathering stage,” Purushotham said, collecting information on all the ways Covid may be affecting mortality, including indirect effects like opioid overdoses and suicide rates.
She said one of the “big considerations” is whether impacts will be a long-term trend, noting that companies may not want to change pricing if mortality “settles into where it was pre-Covid.”
“It’s going to take five to 10 years for us to fully understand what patterns we’re starting to see,” Silverman added.
Applications may include Covid questions
While updates to mortality assumptions may take time, experts say life insurance applications have been quicker to change, depending on state regulations.
Consumer advocate Brendan Bridgeland, policy director and staff attorney at the Center for Insurance Research, has noticed Covid questions appearing on life insurance applications since the beginning of the pandemic and expects more in the future. For example, some companies ask questions about your history of testing positive for the disease and if you have a current diagnosis.
“States are still coming to grips with it,” he said. “Companies have been quick to add application questions.
“But I don’t think they’ve been perfected yet,” Bridgeland added.
“While you may not see a vaccine question on a life insurance application yet, it’s more likely two to three years from now,” Bridgeland said. “I can see that on the horizon and I think that’s going to be inevitable,” he added.
“There are very big differences between the questions asked by life insurers right now,” Bridgeland said. “Some make a lot of sense and others are very vague and slightly concerning.”
With a lack of consistency across providers, he worries there’s potential for consumers to misread a question and answer it incorrectly.
If a provider finds inaccuracies, there’s a chance they will return your premiums rather than pay the death benefit to your loved ones, Bridgeland said.
To avoid mistakes, ask for clarification from an insurance broker or the provider, he said. “Just take your time, make sure you understand the questions and answer them truthfully,” Bridgeland said.
Regulatory guidance is pending
In January 2021, the Consumer Federation of America sent a letter to the National Association of Insurance Commissioners, asking the organization to adopt a model rule for life insurance underwriters who may “delay or deny coverage” to applicants who have or have had Covid-19.
Prompted by life insurance underwriting changes in Europe, the Consumer Federation of America requested that the rules be “totally transparent” and “meet standards for reasonability” for applicants who may experience Covid-related delays or denials.
“This rule is also important for current policyholders who may be considering dropping their coverage for a period to save some money to help the family get through the economic consequences of Covid-19,” the letter said. “These policyholders need to know the possible danger of such action.”
The CFA also sent the letter to major life insurance companies, asking for them to “voluntarily make Covid underwriting rules public and reasonable.”
While the NAIC addressed the letter during their spring 2021 meeting, the organization did not have enough information to consider supporting a model rule, a spokesperson for the National Association of Insurance Commissioners told CNBC.
Imam Reza Shrine Heiliger Schrein Holy Shrine Mashhad Maschhad - (C) Fully copyrighted. No use of any image whatsoever without written royalty agreement. No answer = no permission at all. - (C) Verwendung generell nur nach schriftl. Honorarvereinbg. Keine Antwort = keine Freigabe.
Later, in order to answer a request from the DGAC (Direction Générale de l'Aviation Civile, the French civil aviation authority), Dassault proposed a Mercure equipped with a new engine developed by General Electric/Snecma called the CFM-56; this version came to be known as the Mercure 200. In 1975, contacts were made with Douglas and Lockheed to build and sell the Mercure 200 in the US, and with SNIAS to build it in France. But Marcel Dassault was concerned about the fact that the CFM-56 had not had a single order yet, and might cease to be produced before the Mercure 200 could be built. Meanwhile, Douglas introduced a stretched version of the DC-9, which was in direct competition for orders with the Mercure 200. Contacts with Douglas logically ended at that point. Dassault then initiated contacts with General Dynamics, its primary competitor on the military jet market where the Mirage F1 was facing the F-16 Fighting Falcon.[citation needed] But nothing would come out of these contacts
Eugene Nelson answers questions after a presentation during the Re-Designing Health Care for Eastern NC: The Next 20 Years conference at the Eastern Area Health Education Center on Friday, June 14, 2019. (Photo by Rhett Butler)
The LS OP PCB fitted to the incoming message deck and connected up to its wiring harness (volume control, tape head, motor).
Rockfield Road, Anfield, Liverpool
The streets around Anfield were spookily quiet - too quiet. Amongst the derelict, boarded-up houses, there was the occasional looked-after inhabited house.
Perhaps the strangest moment was passing a house where workmen were busy ripping out its internals, and just yards down the same street was an elderly gentleman taking great pride in tending to the hedge in his front yard.