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Florida insurance companies managing repairs after loss and some homeowners are concerned
Managed repair: cutting corners or cutting costs?
By: Jenn Strathman
As Judy Ruddy walks around her gutted home, she sees family photos and heirlooms tossed around and boxes piled high both in her driveway and in her living room.
"I can't even come in here and think clearly. It's just been a nightmare," said Ruddy.
It started last November with a shower leak.
"We had buckling of our wood floors," explained Ruddy.
They're now gone, and everything else.
"I think, 'how did it get like this from a small leak 20 feet away to a disaster?' " asked Ruddy.
A disaster Ruddy can do little about because her insurance company put the claim in its managed repair program. That's when the insurance company chooses the contractor or gives you a list of approved vendors to choose from. Insurers say it keeps rates low, but critics say it's about cutting costs.
Managed repair
"We take the time and hassle out of dealing directly with contractors," said Florida Peninsula founding member & Chief Legal Officer, Stacey Giulianti, Esq., in a YouTube video. "Our workmanship is guaranteed for a full three years."
Florida Peninsula sells you on the fraud protection.
"Because we pay the contractor directly, there are no surprises on the final bill," Giulianti continues in the video.
At a 2014 insurance conference, Florida Peninsula sold managed repairs as a way for carriers to get "more control over the expense." They said the program saved almost a million dollars on less than 1100 claims. They also say it takes 45% less time to reach an agreed price between the homeowner and the insurance company.
These savings, insurers say, help keep premiums low. One attorney we spoke to had a different opinion.
"The incentives are all in the wrong place," explained attorney Jill Henniger Bowman of the Stockham Law Group. "The contractor and the insurance company have the incentive to keep the claim small. The contractor so he can keep getting the insurance work and the insurance company so they can make money for shareholders."
Some insurers even use affiliated contractors.
Rapid Response is the contractor for People's Trust Insurance company. They share common ownership.
"So if I can control and own the whole process and make sure I reap the profits of all of that, what does that do to the homeowner? It takes them out and eliminates their rights," explained Henniger Bowman. "The insurance company is hijacking their claim."
People's Trust says it sees Rapid Response as a benefit to policyholders and competitive advantage. They say they fully disclose the program when you buy a policy.
The insurer points out the attorneys and public adjusters trying to discredit the program make no money when claims are handled through managed-repair programs.
Homeowner thoughts on program
Both People's Trust and Florida Peninsula say their customers are happy and share testimonials on their websites.
"I'm over the top. Over the moon. This program gave me my home back," explained a Florida Peninsula customer identified as Ellen.
Florida Peninsula said their customer satisfaction surveys show 88% of homeowners were satisfied with the work done under the program.
Other customers have written to the state about their experiences. They paint a different picture of the program.
One homeowner told Florida's Chief Financial Officer that the first contractor "attempted to push inferior materials under the amount allowed by the insurance claim."
Another homeowner wrote, "The first contractor they hired abandoned the job and their work had to be torn out in any case."
As for the second contractor hired by the insurance company, "The job is about 60% complete. We cannot get anyone, not even the insurance company adjuster, claims manager, or restoration company to call us back."
Henniger Bowman said five of the top 25 insurance companies in Florida are using managed repair type programs.
"What we are seeing is managed repair is not working for Florida homeowners," Henniger Bowman explained. "They are stuck with bad repairs. They're stuck with substandard work, and substandard quality of product put back in their homes. A lot of times they [the consumer] feel powerless."
Ruddy's testimonial details the long list of problems she says she's encountered.
"It's been so overwhelming, and a horrific comedy of errors," explained Ruddy. "They stepped through my ceiling."
She also said the mold removal was done twice, something she says she pushed for after getting sick.
"It's managed repair, but I'm the one managing it," Ruddy explained.
While Florida Peninsula says it shares in Ruddy's frustration, the insurer said it manages the claim daily.
The company wrote in a statement, "We have worked diligently with Ms. Ruddy to get her damaged home back to its original condition. Unfortunately, her home had a serious mold problem that took more than three months and two contractors to remediate. This combined with a public adjustor being hired mid-stream and a lengthy local permitting process caused significant delays."
Ruddy said she hopes the work is done soon.
"I think it's a bad dream, and I'm going to wake up from this and it's going to be some nightmare you had but it's not," Ruddy said.
Ruddy's attorney recently put Florida Peninsula on legal notice as the attorney and homeowner believe the property has not been fixed in a reasonable amount of time. They feel it will take more money than offered to fix the home.
Check your policy
Florida Peninsula requires you use managed repair for claims. However, they give you a choice of contractors. They say you're given three contractors, and if none of those are acceptable you can choose from other approved vendors.
People's Trust gives you the option of using the program in exchange for a 5% discount on your premium. You opt in or out of the program when you buy your policy.
Make sure you read your policy carefully so you know how your claim will be handled. Look for words like managed repair, right to repair, and preferred vendors.
Florida Peninsula Full Statement:
"We have worked diligently with Ms. Ruddy to get her damaged home back to its original condition. Unfortunately, her home had a serious mold problem that took more than three months and two contractors to remediate. This combined with a public adjustor being hired mid-stream and a lengthy local permitting process caused significant delays. We empathize with Ms. Ruddy and share her frustration and are committed to getting her back into her home as soon as possible. Florida Peninsula has stood by Ms. Ruddy and voluntarily exceeded its policy limits on her living expenses and mold remediation costs.
Florida Peninsula introduced its Managed Repair Program in 2010 offering homeowners more than 150 vetted and preapproved South Florida contractors providing quality work and a three-year warranty to back it up. Every homeowner making a claim is provided with the names of three contractors to make a choice. If none of those three are acceptable, they are provided with other approved contractors. Since 2010, we have repaired more than 6,000 homes. One hundred percent of homeowners making claims with our company also received a follow-up survey to determine their experience. Of those who answered these surveys, 88% of them were satisfied with the work performed under the program.
Our managed repair program takes the pressure and risk off homeowners, most of whom do not have the expertise or desire to select and manage contractors; nor do they have the leverage to obtain a longer warranty backed up by a reputable insurance company."
People's Trust full statement
"People's Trust and the Rapid Response Team are affiliated companies with common ownership. The focus of Rapid Response Team is to meet the needs of People's Trust policyholders, making emergency repairs 24/7, fully managing repairs and restoration and maintaining a network of response centers around the state for everyday and catastrophic response and recovery.
We are very upfront about the role of Rapid Response Team. We see Rapid Response Team as a significant benefit for policyholders and a competitive advantage so we prominently feature our simplified claims and repair process on our website and in other advertising. In addition, our managed repair model is verbally discussed during the sales process. This is followed by identifying the managed repair program endorsement on the policyholders' declarations pages and providing the approved endorsement form. We also provide our policyholders with a "welcome kit" that describes the process.
We are not able to speak to consumers' experiences with other insurers. We note, however, that some other repair programs rely heavily on third-party contractors to oversee the remediation and repair processes. Our organization is different in that we have invested millions of dollars in Rapid Response Team, establishing warehouses in key locations and stocking them with essential materials. Rapid Response Team employs hundreds of people who take direct responsibility for performing and overseeing repairs. By performing these services through people employed in our organization, we believe most of our customers have positive experiences as indicated by the testimonials on our website."


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Week 22: June 6, 2019
Home/Members Only/Market Memo/Week 22: June 6, 2019
Week 22: June 6, 2019	Alyssa Houtby	2019-07-08T09:24:57-07:00
Click Here to print!
Volume 42, No. 22 – June 6, 2019
Navels – Pricing for Navels saw a bump of $0.25-$0.50 from the previous week across all sizes. Small Navels continue to be in tight supply, but will now face competition from small-sized Valencias entering the market. The wet weather caused minor delays in harvesting, thus diminishing utilization from the remaining fruit. District 1 is now roughly 95% harvested, with regular Navels expected to finish mid-June and Late Navels expected to conclude early July.
Lemons – The Lemon market is unchanged from the previous week. Both demand and supply have been fairly light. Imported lemons will start to pick up as the summer months commence. Overall, pricing on small sizes continues to be tight, with "okay" quality. District 1 still has fruit on the trees and harvesting has slowed down due to the recent rain. District 2 is around 65-68% harvested, and oversized fruit is still a concern.
From May 19th- May 25th, the following countries have exported the following volumes into the US market: Mexico: 15 loads, Spain: 2 loads, Argentina: 1 Load, Italy: 1 (1 load= 40,000 lbs).
Navel Mostlys
48 17.75-18.75 9.50-10.50
56 17.50-18.50 8.75-9.75
113 10.25-11.50 10.00-11.00
138 10.25-11.25 9.50-10.50
163 7.00-8.00 6.50-7.50
Lemon Mostlys
75 20.00-23.00 15.75-18.75
House Appropriations Member Congresswoman Barbara Lee Visits Central Valley
Congresswoman Barbara Lee visited the Central Valley this week for an agriculture tour and roundtable meeting facilitated by local Congressman TJ Cox. Congresswoman Lee is the only California representative on the powerful House Appropriations Subcommittee on Agriculture which directs funding for important programs at USDA including the Citrus Health Response Program, HLB Multi-Agency Coordination Group, and various other marketing and research initiatives.
The representatives spent time with CCM member Grant Parnagian in the field to learn more about the industry's efforts to stop HLB from spreading into commercial citrus groves. They also talked about irrigation practices, employee benefits and working conditions, and broadly the fine balance of managing costs, farming practices, and utilization. The group also toured Fowler Packing for a tour of the packing house and the company's on-site health clinic.
"We are very appreciative to Congressman Cox for hosting Congresswoman Lee in the Central Valley," says CCM President Casey Creamer. "It's critical that the Congresswoman appreciate just how important programs like CHRP and MAC are to the future of the California citrus industry and why continued funding is necessary. It was a great opportunity to showcase the impact of these programs as well as to educate both members more broadly about the citrus industry.
"Thanks in large part to both Congressman Cox and Congresswoman Lee, the 2020 House Ag Committee Bill maintains funding levels, and in some areas increases funding, for vital specialty crop programs. We look forward to continuing our relationship with these members and working with them as the appropriations process moves forward this year."
In the afternoon, Congressman Cox facilitated a roundtable meeting at Kings County Farm Bureau with a number of growers, dairymen, and agricultural association representatives to discuss issues such as pest and disease prevention programs and water infrastructure and deliveries.
California Citrus Mutual hosted Sabina Neumann, an economist with the International Trade Commission. Sabina's extensive economic portfolio includes the produce industry. The International Trade Commission is a non-partisan agency that evaluates trade activities on varied business sectors in the United States. The visit with Kings River Packing and Orange Cove-Sanger Citrus included information about cost components, export challenges, and domestic factors that affect the per acre return for California citrus producers.
Much of the discussion evolved around offshore competitors dominating the retail scene in the October to December timeframe thus delaying harvest schedules to the point that there is fruit on the ground in significant quantities was the norm this season. The ability of offshore producers to enter the market at a lower price and still maintain a significant margin was also a focal point of the discussion.
The visit to the grove and packinghouse facilities by the ITC was part of CCM's multipronged strategy to address increasing imports and the effect that is having on the citrus industry.
Val Dolcini Named Acting DPR Director
Val Dolcini, who is currently serving as Deputy Secretary for Agriculture at CalEPA, will add Acting Director of the Department of Pesticide Regulation beginning June 3rd. Teresa Marks, who has served as Acting Director since Brian Leahy's departure has announced her retirement effective May 31st. The change in leadership was abrupt, but not totally unexpected as Ms. Marks had pulled her name from consideration for the permanent Director position at DPR.
CCM President Casey Creamer met with Ms. Marks and senior DPR staff on Friday of last week to discuss the recent decision to cancel chlorpyrifos and their continuing evaluation of neonicotinoids. During that meeting there was no indication of a pending retirement.
In a recent meeting with the new Acting Director Val Dolcini, he indicated that the department was currently reviewing resumes for the permanent Director position. CCM is currently working with Val Dolcini on setting up a visit to HLB impacted areas so that there is a better understanding of how the decisions coming from DPR impacts our fight to keep HLB out of commercial groves.
Kevin Ball Joins Citrus Pest and Disease Prevention Committee as Coastal District Representative
The Citrus Pest & Disease Prevention Committee (CPDPC) announces the addition of Kevin Ball as the new grower representative for the coastal district position. Kevin Ball will advise the committee on the latest citrus grower activities occurring in the coastal area.
The CPDPC advises the Secretary and the agricultural industry about efforts to combat serious pests and diseases, like the Asian citrus psyllid and Huanglongbing, that threaten the state's citrus crop.
Ball brings decades of experience in the agricultural industry, most recently as vice president of orchard operations at Agland Services for the past 15 years. At the company he supervises the daily operations of 20 ranches in the Camarillo, Somis, Moorpark and Ventura areas while consulting on ranches throughout Ventura and Southern Santa Barbara counties.
As a former executive committee board member at the California Avocado Society, Ball is also well versed in organizing, planning and implementing grower outreach programs and managing budgets for seminars, research, and grower outreach. Beginning his career as a grower, Ball is experienced in the field, running irrigations, spraying weeds, maintaining equipment and more.
Coastal area citrus growers may contact Kevin Ball with concerns/inquiries:
Kevin Ball
Vice President of Orchard Operations, Partner, Agland Services
kevin.ball@aglandca.com
Glyphosate Update
On Tuesday, April 30th the EPA released their Proposed Interim Registration Review Decision for glyphosate, an important step in the registration review process. The EPA responses contain several key comments, including:
"The EPA conducted an independent evaluation of the carcinogenic potential of glyphosate and has determined that glyphosate is "not likely to be carcinogenic to humans." The agency's cancer classification is based on a thorough weight-of-evidence review of all relevant data and is in accordance with the agency's 2005 Guidelines for Carcinogen Risk Assessment."
"EPA's cancer evaluation is more robust than IARC's evaluation. IARC's evaluation only considers data that have been published or accepted for publication in the openly available scientific literature. As a result, IARC only considered a subset of the studies included in the EPA's evaluation."
"The Agency's cancer evaluation for glyphosate is also more transparent. EPA's draft cancer evaluation was presented to a FIFRA SAP for external peer review. EPA solicited public comment on the carcinogenic potential of glyphosate as part of the SAP process, which is well-documented with an agenda, transcript, meeting notes, and final SAP report. EPA responded to the SAP report, addressed panel recommendations, and made revisions to its cancer assessment that were transparent and provided to the public. EPA also solicited public comment on its full human health and ecological risk assessment for glyphosate in February 2018. In contrast, IARC meetings are not accessible to the public. Its deliberations are closed, its process does not allow for public comments to be submitted for consideration, there are no materials provided in advance of the meeting, and IARC's reports are final without an external peer review."
"The EPA has not identified any new information received during the public comment period which ended on April 30, 2018 that would result in changes to the conclusion of its cancer assessment. The agency's cancer conclusion is consistent with other regulatory authorities and international organizations, including the Canadian Pest Management Regulatory Agency, the Australian Pesticide and Veterinary medicines Authority, the European Food Safety Authority, the European Chemicals Agency, the German Federal Institute for Occupational Safety and Health, the Joint FAO/WHO Meeting on Pesticides Residues, the New Zealand Environmental Protection Authority, and the Food Safety Commission of Japan."
In addition to the posting of the proposed decision, the EPA also issued strong comments in an interview with the Des Moines Register and in an official press release. The press release includes comments from EPA Administrator Andrew Wheeler and U.S. Secretary of Agriculture Sonny Perdue.
A 60-day public comment period will follow as a next step and then EPA will respond to the comments and issue the Interim Review Decision. That decision will not become final until EPA conducts an Endangered Species Act assessment. There is no set timeline for the final decision.
Tuesday's comments by the EPA are important and consistent with the findings of regulatory authorities around the world for more than 40 years. Bayer's official statement can be found online here.
CRB Citrus Grower Educational Seminar Series
The Citrus Research Board (CRB) will once again be holding their annual Citrus Growers Educational Seminar Series June 25th – 27th. This free seminar series will take place in Palm Desert, Santa Paula, and Exeter beginning at 8:00 am and concluding with lunch at 12 noon.
Regional Farm Advisor Citrus Report and Update
CRB Update and IRCHLB Recap from CRB's Melinda Klein
CCM Update from President Casey Creamer
Canine HLB EDT Project Panel Update
ACP Barrier and Border Treatment Work
Update on Laws and Regulations from the local Ag Commissioner for each location
CPDPC Voluntary Action Program
Lemon Drop Project Update
Rootstocks and New Varieties Update
High Density Planting, Root Health, Nutrition and ACP
Registration for the seminar series is not required, but RSVPs are appreciated. For more details and to register online click here.
CCM Student Scholarship Applications Due May 31st
Each year CCM awards three scholarships to students who are pursuing an education and future in the agricultural industry. The deadline to apply for all three scholarships is May 31, 2019. Applications can be found on the CCM website.
CCM High School Scholarship
CCM awards one scholarship per year to a qualified high school senior pursuing a continued education in an agriculture-related field. An eligible candidate must be a dependent of a CCM member or of an employee of a CCM member. Applicants are required to submit in writing: evidence of leadership skills, extracurricular activity, work history and a separate one-page essay stating future goals and pursuits and a copy of current transcripts.
Click here to download the application.
Charles Coggins College Scholarship
Named for UC Riverside plant physiologist whose research on citrus considerably extended the fruits' fresh market season, the Charles Coggins College Scholarship is awarded annually to a college student studying in the field of agriculture.
Applicants must be enrolled in college, a dependent of a CCM member or a member's employee and currently pursuing a degree in agriculture, plant science or related field. Applicants must also submit in writing evidence of leadership skills, extracurricular activities, an interest in agriculture, and work history. A separate one-page essay stating future goals and pursuits is also required as well as an official, sealed transcript. Financial need will not be considered in selecting the scholarship recipient.
Harrison B. Smith Memorial Scholarship for Cal Poly Students
In 2014, the Smith Family, who are longtime citrus growers and CCM members, provided a generous donation to the scholarship fund. The Harrison B. Smith Memorial Scholarship is awarded annually to one Cal Poly, San Luis Obispo student majoring in agriculture.
Applicants must submit in writing evidence of leadership skills, extracurricular activities, demonstrated agricultural interest, work history, and a separate one-page essay stating future goals and pursuits. An official, sealed transcript must be submitted with the application. Financial need will not be considered in selecting the scholarship recipient.

redpajama_set_name: RedPajamaCommonCrawl


Odisha has successfully deployed geo-synthetic tubes along its coast to tackle sea erosion.
The geo-synthetic tube, a soft engineering technique in contrast to the hard engineering options like sea-wall, is first of its kind in the State. The 505 metre-long coast, which has been covered with geo-synthetic tubes, is expected to be proof against strong sea waves.
The tube has installed along the coast at Pentha in Brahmansahi gram panchayat in Kendrapara district.
The Integrated Coastal Zone Management Programme (ICZMP), which implemented the project with the help of IIT-Chennai, claimed they had gone for piloting geo-synthetic tube technology as hard engineering structure had many disadvantages including its high cost.
Last year, geo-synthetic tube project had hit controversy when one structure had ruptured. Subsequently, IIT-Chennai rectified the problem with its technical input.
Mooted in 2008, the project had faced different hindrances, including the issue of forest clearance, coastal regulatory zone regulations and transportation of material to the coast during past 8 years.
It needs to be mentioned that Odisha coast is fairly stable as only 10 per cent of the coast is highly erosion prone. So it provides a very good opportunity for sustainable planning and management of the coast. But in district like Kendrapara and Jagatsinghpur, the threat of coast erosion is very high.
Interventions such as saline stone-packaging and breakwaters, structures which are constructed on coasts are traditionally made as part of coastal defence. The geo-synthetic tube solution is expected to bring much relief to a sizeable population residing along coast.
Executive Engineer of the saline embankment division of the project, Purna Chandra Raththe said the project envisaged a 505-metre-long wall consisting of 241 geo-tubes.
Odisha is the second state in the country to have undertaken such a project on a pilot basis after neighbouring Andhra Pradesh, the official said. Past studies indicated that more than 36 per cent of the coast in Kendrapara faced threat of erosion, the problem being most acute near habitations such as Pentha and Satbhaya in Kendrapara.


Strategic renewal – how do you measure radicality?
On 3rd of July, we published our report LAB – FAB – APP to direct the Future of European research and innovation (R&I) landscape in the form of ninth framework program (FP9). The report was given by a High-level group (HLG) chaired by the former trade commissionaire Pascal Lamy and nominated by the current R&I commissionaire Carlos Moedas. The primary target of our HLG was to maximize the impact of European R&I programs.
In LAB – FAB – APP, we give eleven recommendations to Europe. They all are based on the idea to invest in the European Future that we want. It is about what we Europeans want for Europe, and then implementing it. Extremely simple. We have the scientific evidence on how different scientific and research mechanisms impact our society and structures, and we know what we want from the R&I funding as outcomes: Jobs and growth.
One of our eleven recommendations is to increase the volume and share of mission-driven research. Another recommendation is to activate and mobilise individuals and citizens to take part in R&I activities. Hence, companies, businesses, European Commission, and taxpayers will be asked to define the missions that we fund in Europe, and to help in executing them.
Why did we end up with such recommendations? On one hand, there seems to be enough political capital and fact-based willingness in European Commission to try something new compared to what has been funded since the beginning of the framework programs' history. On the other hand, we have both statistical and qualitative evidence based on the empirical field work in forerunning countries, with novel R&I models, and under unconventional leadership, that classical call-based research-oriented proposal writing & project execution may not produce the highest impact. In contrast, these all may be needed, but they may boost the jobs and growth more when applied in novel combinations with private-sector leadership, non-hierarchical participation, and heterogeneously open ecosystems.
One of the forerunning, novel, and unconventional R&I set-ups in Europe is innovation platform DIMECC, a multi-organisationally owned non-profit company. We, meaning the more than 3 000 people from companies and research institutes, have led the digital transformation and co-creation activities of manufacturing industries, including manufacturing of software and digital technologies, in Finland since 2008. The time-to-market and innovation probability of the players in our platform has improved dramatically. We do not talk about incrementality, we talk about 20-fold pay back for R&I investments and speed-up of the classical R&I work by hundreds of percents. We do not talk about R&I, we talk about new business creation. We talk about P4.0, that means opening the industry-driven Public Private Partnerships to "People" in the context of digitalisation of manufacturing industries (Industrie 4.0).
With our partnering companies and the Finnish Funding Agency for Innovation, we have launched "One Sea" and "Connected Industry" as missions deriving from private companies' foresight and strategies: There will be autonomous ships in traffic before 2025. There will be operations centre for smart connected industrial systems before 2028. In both cases, global new businesses can be led from one single location without human fingerprints on physical activities and processes.
The Finnish minister for Transport and Communications, Mrs. Anne Berner, has supported the autonomous mission strongly, especially with strong marketing efforts that are needed to bring official governmental status private-sector led missions and executors. Minister Berner is committed to work for changing the international rules and regulations, which form an integral part of a true Public Private People Partnerhip, to accept remote-controlled and autonomous marine traffic. This autonomous thinking can, naturally, be extended from marine traffic part of the logistics chain to cover the parts inside factories or among any operating fleet or assembled base of manufactured goods.
Private companies have connected their research, development, innovation, and new business creation efforts to One Sea and to Connected Industry. They take the joint missions forward by using DIMECC innovation platform for their own efforts. By show-casing their results and experiments to others, learning through our platform is faster than any other learning method could provide. Universities and public research institutes will get mission-related funding to technology, human behaviour, and business concept related R&I programmes, and their competence and knowledge can be integrated to the execution of the missions. Finally, individual citizens, start-ups, inventors and everyone interested will have open forums to speed up the learning of not only individuals and businesses but the society in total. This mutually open learning is boosted through joint infrastructures like globally first ever totally open test site for autonomous marine technologies, Jaakonmeri, that we opened last summer close to the West coast of Finland.
One Sea and Connected Industry – DIMECC Ecosystems – integrate all systemically. The models, tools, instruments and methods are there already. Fastest learning method is co-creation, and the speed of learning defines the winners in the market. Speed is the new intelligence. Let's just create the European Future that we want!


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Mission Statement Legislation Steering committee Contribute
Join PNHP Proposals PNHP Research PNHP Resources
What about single-payer?
The Supreme Court may have divined the solution to America's health care woes that Congress refused to consider
By James F. Burdick
The Baltimore Sun, April 16, 2012
President Barack Obama's vision for health-care reform could have resulted in a much better law had it not been for congressional decrees at the start that a single-payer system was "off the table." But guess what has appeared back on the table during the thoughtful pondering of the problem by the Supreme Court?
Justice Anthony Kennedy said on March 27: "Let's assume that it could use the tax power to raise revenue and to just have a national health service, single payer. How does that factor into our analysis? In one sense, it can be argued that this is what the government is doing. It ought to be honest about the power that it's using and use the correct power."
As a doctor viewing the Supreme Court drama unfolding over the Affordable Care Act, I have high hopes that patients will emerge with much more access to the wonders that modern medicine can provide. Being able to treat and perhaps cure patients is essential to the freedoms and entitlements protected by the Constitution and its Bill of Rights. But the constitutional question has been framed as one of interstate commerce — not rights.
Commercial interests dominated during the formulation of the Affordable Care Act. An average of eight lobbyists were at work for each member of Congress, and the insurance companies were delighted when they saw the initial draft.
Patients may get sick and need care without adequate insurance. Doctors have always known this, but the conundrum is now occupying our country's best legal minds. That and other failures of our insurance-based system of coverage for health care have been highlighted. And the logic is overwhelming: We need to just get on with providing affordable, quality health care coverage for everyone, like every other developed country.
It is easy for the naysayers to prey on fears that a national system must cost too much, must allow people to get too much health care at others' expense, and must subject patients and doctors to rationing and government interference. But none of this is necessarily so.
If patients understand that their doctors are practicing high-quality medicine when they employ just the right care for a health problem — not less but also not more — we are on the way to solving the problem. Excess care is harmful as well as expensive. The insurance companies profit because they force patients to make unhealthy decisions based on finances, not medical need.
Fear of higher taxes comes from extrapolation of present spending patterns. But the things that would make universal coverage cost too much are bad for patients. In overcoming them, we can save $500 billion by avoiding unnecessary care, more than $150 billion in administrative costs, and billions more in avoidable, excess costs for the uninsured.
Doctors are faced with decreasing incomes and at the same time are beset by a huge proliferation in Medicare billing codes due to fee-for-service payments, and by increasing administrative quality requirements and insurance restrictions. Given the necessary legal responsibility and authority, doctors (not insurers) can define necessary care, which will cut excessive spending and end the fear of unfair, unrestrained use of health care. Doctors tend to resist this proposed responsibility, viewing it as the government again telling them what to do — but many are ready for change. And this would be different: It could work according to rules that would be set by doctors for doctors, doing what federal and insurance company administrators cannot do.
In short: We doctors, along with our patients, need to take over the decision-making and control harmful and unnecessarily expensive practices. Dr. Toby Cosgrove, president of the Cleveland Clinic, recently noted that "health-care overhaul is happening, regardless of what the Supreme Court decides," with improvements that doctors are already achieving.
The savings from having everyone automatically covered will support better professional incomes. Patients will be safer and healthier, and the deficit will no longer be held hostage to increasing health care costs.
Good sense about what the Constitution means may carry the legal day. But even if the Affordable Care Act is struck down, we must move forward with the intent of the law: to make the purpose of medical coverage to create good health.
Dr. James Burdick, a professor of surgery at the Johns Hopkins University School of Medicine, had a career as a transplant surgeon and served in the Department of Health and Human Services as director of the Division of Transplantation. He is writing a book detailing his doctors' plan for health reform. His email is jburdic1@jhmi.edu.
Copyright © 2012, The Baltimore Sun
www.baltimoresun.com/news/opinion/oped/bs-ed-single-payer-20120416,0,1914385.story
Physicians for a National Health Program - Maryland Chapter
enaumburg@hotmail.com


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Yang Yong-Eun
Golfer Less
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Yang Yong-eun (, born 15 January 1972), or Y. E. Yang, is a South Korean professional golfer currently playing on the PGA Tour, where he has won twice, including most notably the 2009 PGA Championship where he held off the challenge of Tiger Woods during the final round.
Professional career
In 2006 he won the Korea Open, an Asian Tour event, gaining him entry into the HSBC Champions Tournament in November 2006. He won the tournament, beating a strong field including runner-up Tiger Woods. The victory earned him membership of the European Tour and moved him into the top 40 of the Official World Golf Rankings. In 2008 he played on the PGA Tour after earning his card through qualifying school; he had to regain his tour card in 2009 after placing 157th on the money list in 2008. Yang won his first event on the PGA Tour at the 2009 Honda Classic in his 46th career start in the United States. With this win, he became only the second Korean after K.J. Choi to win on the PGA Tour.
On 16 August 2009, Yang won the 91st PGA Championship, his first major championship, overcoming a two-shot deficit going into the final round to finish three strokes ahead of Woods, his playing partner. The victory was the first major championship for a male player born in Asia, surpassing the runners-up finishes achieved by Lu Liang-Huan in the 1971 Open Championship, Isao Aoki in the 1980 U.S. Open and Tze-Chung Chen in the 1985 U.S. Open. The previous best finish by a Korean was...
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text:
The Uplifter Blog : Fishing, Music & Food in Ireland
Fishing, Music & Food...
For as long as I can remember August has always meant one very important thing for all of my family and I... Our annual trip to visit my grandmother in Ireland.
Ireland has always been an extremely significant place for my family and I, particularly amongst those of us who are creative - which is pretty much everyone on my Mother's side. Musicians, painters, photographers... Most of my family are doomed/blessed with knowing only how to make a living through the creative arts. Ireland, specifically it's landscape, is undeniably inspiring along with much of it's stripped-down, somehow simplified way of living. Don't get me wrong, Ireland has changed a lot since I was a 7 year old running down the road to pick up a loaf of bread for 10 pence... To fill up a basket of food from the supermarket nowadays is likely to set you back the best part of €50. Euros disappear like Monopoly play money. Apart from that, Ireland (particularly in rural areas) has somehow managed to stay unspoilt, earthy and mesmerisingly beautiful...
This country's beauty, for my family and I, has been the source of many a written song, poem and one of hundreds of paintings by my hero and uncle Michael Wright. My cousin Steve (Michael's son) is also a musician and one of my favourite people on this planet - Music he has written has undoubtedly been affected by Ireland and time spent there throughout our lives. This song 'Birds on the Line' in particular written by Steve and performed by his band FeelGood Culture is, in part, inspired by the hundreds of jackdaws that sit on the electrical wires all around the town where my grandmother lives in West Cork.
The forthcoming album will undoubtedly have references to Ireland and I have been taking sound bites over the years from various places and bands that I will be working into the album.
Fishing has long been a tradition in my family, passed down by my great grandfathers, immediate grandfathers, to my great uncle Mick, immediate uncle and my father to myself and my brother, sister and cousins. One of my favourite things -ever- is to return to my Great Uncle's house with all the family sat around the table with our catch laid out after a days' fishing.
My Uncle Mick (my grandmother's brother) passed away in 2010. He was an integral part of the family and we were all extremely close to him. In his memory The Uplifter 2013 vinyl release features a pencil drawing by Victor Maristane of Uncle Mick fishing off the back of a boat on the bottom left of the cover artwork.
We did a show up in the Brecon Beacons at a Didgeridoo Festival after returning from Ireland. It was brilliant and the crowd and organisers were a really lovely group of people. They want to book us for next years' festival - we thoroughly recommend this small, intimate, family friendly festival .
Thomas Barrett New york
Apr 16 2018 6:35 AM
very helpful post . learn more Fishing For Beginners


text:
Home > Politics > Barron Trump Gets Hold Of Dad's Phone, Sends Numerous Tweets, No One Notic...
Politics Tech U.S. Donald Trump
Barron Trump Gets Hold Of Dad's Phone, Sends Numerous Tweets, No One Notices Difference
WASHINGTON, D.C.—Claiming that he was "bored" and "had nothing to do," Barron Trump, 11-year-old son of President Donald Trump, sneakily commandeered his father's phone Thursday while he was watching talk news and sent out a slew of tweets from the official presidential Twitter account. Until the tween admitted to what he had done later in the morning, no one, either in the government or among the President's 46.5 million Twitter followers, suspected anything was amiss.
"We were all pretty surprised to learn that Barron, Donald Trump's child, had been tweeting from the @realDonaldTrump account," Sarah Huckabee Sanders said in a press statement. "Honestly, the tone, logic, and cohesiveness of thought were all consistent with the president's normal tweets."
Sources report that President Trump attempted to delete the tweets that originated from Barron, but was having a hard time identifying which were sent by his child, and which were from his own hand.
At publishing time, after some prodding from Melania, a sheepish Barron admitted that he has been tweeting from President Trump's account "at least a few times a week" ever since moving into the White House.
KJV-Only Pastor Tests Positive For NIV
'1984' Moved To Current Affairs Section
Winning: Trump Memorized The Whole Apostles' Creed And Recited It Quietly In His Head So As Not To Draw Attention To Himself
New York Times Apologizes For Offending 'Passover Worshipers'
Obama Continues To Caution Against Labeling 9/11 Attacks 'Terrorism' Too Quickly
Covenant Eyes Introduces 'Extreme' Version Which Emails Internet History To Paul Washer
Ilhan Omar Getting Excited By All This Talk About Concentration Camps
Trump Selects McGruff The Crime Dog As FBI Director


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HSB Televisión (acrónimo de Hernando Suárez Burgos) era un canal de televisión por cable de origen colombiano, que tenía su sede en Bogotá. Emitió en el canal 55 UHF en la capital, mientras que en el resto del país a través de varias pequeñas empresas de televisión por cable.

Comenzó a emitir en 2004 con autorización previa de la extinta Comisión Nacional de Televisión (hoy Comisión Reguladora de Telecomunicaciones, que comenzó a emitir el 23 de abril del mismo año. Era propiedad del excongresista por Nariño, Hernando Suárez Burgos, y tenía su sede en el Politécnico de Santafé de la capital.

Tenía una programación variada, que incluía servicios de información, producciones de los antiguos programadoras de televisión y producción internacional.

Sin embargo, en los últimos años, y debido a problemas económicos, a raíz de las denuncias formuladas contra Hernando Suárez Burgos por maltrato laboral, discriminación, racismo y por su presunta vinculación con un narcotraficante, se decidió deshacerse de algunas de sus divisiones, incluyendo a HSB Televisión. En 2013, la ANTV ordenó la suspensión de la señal de HSB Televisión en varios sistemas de televisión por cable, quedando únicamente en su señal abierta en el Canal 55 UHF de la capital, situación que operó hasta 2016, cuando se traspasó la concesión a Max Media SAS, consorcio, que se ocupa actualmente por la frecuencia de Trendy Channel.

Actualmente operan como un sitio de noticias llamado HSB Noticias, y no hay planes para su posible relanzamiento a la televisión por cable. En el 2019, trasladó sus operaciones a la ciudad de Pasto (Nariño) con la finalidad de reorganizar en una nueva empresa Grupo Editorial El Periódico, dueños de las marcas Extra, Diario del Sur, Deportivo, Pacifico, y además de la emisora HSB Radio en Pasto y Bogotá.

Enlaces externos
 HSB Noticias

Canales de televisión desaparecidos de Colombia
Televisión de Bogotá

redpajama_set_name: RedPajamaWikipedia


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New MacBook Pros Feature Price Cuts But Improved Features
Posted By Joshua Sophy On October 31, 2013 @ 4:30 pm In Technology Trends | 2 Comments
The new MacBook Pro with Retina display may not be the computer for every small business. But those needing high end features in the areas Apple excels, like graphics, should be ecstatic.
The latest generation of the laptops announced recently offered some pleasant surprises. Most importantly, Apple has dropped the price of the new laptops from $2,199 to $1,999 for the 15-inch laptop and from $1,499 to $1,299 for the 13-inch computer.
New MacBook Pro: System Improvements
But in introducing the new MacBook Pro with Retina display Apple also announced [1] some other improvements:
Better processors (an Intel Core i7 for the 15-inch and a Core i5 for the 13 inch laptop).
Improved Intel Iris graphics in both laptops.
Increased battery life up to nine hours in the 13-inch and eight hours in the 15-inch.
Here's another look at the new MacBook Pro with Retina Display from The Verge:
Apple introduced Retina display models of both the MacBook Pro 13-inch and 15-inch laptops last year.
For those in need of a refresher, basically, Apple defines Retina display as one in which the number of pixels is so great the human eye can no longer distinguish them individually. So the number of pixels varies with the size of the display.
For the new MacBook Pro, Apple says that amounts to more than four million pixels for the 13-inch laptop and more than five million for the 15-inch producing images crisper than the printed page.
URL to article: https://smallbiztrends.com/2013/10/new-macbook-pro.html
[1] announced: http://www.apple.com/pr/library/2013/10/23MacBook-Pro-with-Retina-Display-Updated-with-Latest-Processors-Faster-Graphics-Longer-Battery-Life.html


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New England Patriots' Tom Brady offers Mohamed Sanu No. 12 jersey after trade: 'nah I'm good'
October 26, 2019 / by Vooroogoo
It was no question for former Atlanta Falcons wide receiver Mohamed Sanu that when he was traded to the New England Patriots this week he would be giving up his No. 12 jersey, as star quarterback Tom Brady already held that number.
What he didn't expect was for the six-time Super Bowl Champion to offer it up.
NEW YORK GIANTS' GOLDEN TATE RESPONDS TO JALEN RAMSEY AFTER RAMSEY DUMPS TATE'S SISTER FOR VEGAS DANCER
Sanu told reporters following Friday's practice that Brady messaged him on Instagram to welcome him to the team but more importantly to offer for Sanu to keep his number.
NFL draft. " src="https://a57.foxnews.com/static.foxnews.com/foxnews.com/content/uploads/2019/10/640/320/jersey.jpg?ve=1&tl=1″>
The Patriots picked up Sanu for the Falcons Tuesday in exchange for a second-round pick in the 2020 NFL draft.
"He DM'd me when I first got traded. He said 'Welcome' and everything like that, how he's excited, and then he said if I wanted 12 I could get it and I was like and I was like 'Nah I'm good. You got that, I'll change to 14.'"
NEW ENGLAND PATRIOTS ACQUIRE MOHAMED SANU FROM ATLANTA FALCONS
When asked if he offered Brady anything in return, Sanu laughed and said "No, I'll just go out there and do my job and let him be great."
Sanu has had the no. 12 jersey for his entire NFL career but the change doesn't seem to bother him much.
"It's awesome. I love it. Me and Tom are having fun out there," he told a reporter for the Providence Journal. "It's like we've known each other for awhile. We've been on the same page."
Brady is synonymous with the no. 12 jersey as well. His health and wellness company is in fact called TB12.
Former 'M*A*S*H' star Alan Alda explains how he's coping with Parkinson's diagnosis
MSNBC host Rachel Maddow's criticism of NBC News over scandals too little, too late, critics say
Gallery image with caption: NBC News Chuck Todd ripped for 'embarrassing, enraging' comments about disinformation
Gallery image with caption: Rep fumes at hearing over small businesses locked out of stimulus loans: 'They got tricked!'
Gallery image with caption: Devin Nunes on his lawsuit against CNN: Report is the 'absolute definition of fake news'
Gallery image with caption: Lori Vallow, mom of missing Idaho kids, reportedly declared herself a god sent to prepare world for apocalypse
Gallery image with caption: Collins blasts Democrats for blocking coronavirus stimulus plan, says they're 'playing with fire'
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Gallery image with caption: Mike Singletary, the 'heart' of the '85 Chicago Bears, on how coronavirus has changed his daily routine


I've always liked Sleepless in Seattle, though on principle I hate romantic comedies. This scene struck me as powerfully real and there are echoes of it in the monologue Tom Hanks gives to his friend when he gets back from the island at the end of Cast Away. There are moments in cinema where things pass being entertainment and start being slices of real life. They speak to people. At times in our lives, something will happen and the first thing we think about ….is a movie clip from a film we may not have seen in decades.
In the days following my wife's death, I thought about this scene more than anything. Not because I was at the stage Tom Hanks was at where he was functional but sad. I wanted to BE functional and sad because what I felt and still feel to a large degree is like I'm walking around with an emotional gunshot wound. So those words of his. You have to keep breathing. You have to make yourself get out of bed. You have to remind yourself to do these things in the hope that one day you won't have to remind yourself again. It'll just come. It'll just be what you do.
I'm not stupid. There's no great ending to my story. At least he was lucky to have a kid. Having responsibility helps enormously in the "why should I get out of bed?" phase of the day. I honestly don't know how my story ends. I think the advice is sound, though. I've been using it. It'll be a month tomorrow. So far I'm still here. Are there scenes in films that have helped you like that? Share in the comments. I'll remind myself to breathe in the meantime.


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Dems drop impeachment file trove on eve of key vote: Handwritten notes, messages to Ukraine and more
White House lines up impeachment legal team
As President Trump heads for a campaign rally in Wisconsin, his defense team makes final preparations to present its case to the Senate; chief White House correspondent John Roberts reports.
Lev Parnas, a close associate of President Trump's personal lawyer Rudy Giuliani, has turned over a series of explosive handwritten notes, text messages and other documents, House investigators announced Tuesday, as the chamber prepares for an imminent vote on advancing articles of impeachment to the Senate.
In a letter to House Judiciary Committee Chairman Jerrold Nadler, D-N.Y., House Intelligence Committee Chairman Adam Schiff, D-Calif., wrote Tuesday that he would transmit to Nadler two flash drives: one containing "call records with sensitive personal information" that will not be publicly released, and another with materials provided by Parnas.
Among the records Parnas produced were "handwritten notes on stationary from the Ritz-Carlton Hotel in Vienna, Austria," Schiff wrote, including a note that read, "get [Ukrainian President Volodymyr] [Zelensky] to [announce] that the Biden case will Be Investigated; start commun[icating] with Zalensky [sic] without [Pinchuk or Kolomoisky]." An undated photograph of the note was included in the Democrats' documents.
Victor Pinchuk and Ihor Kolomoisky are Ukrainian oligarchs, and Democrats have alleged that Parnas wanted Kolomoisky's help "in facilitating a meeting" between Giuliani and Zelensky.
The note by itself does not provide a major new revelation, as Giuliani has long acknowledged heading to Ukraine to seek investigations of the Bidens. The Trump team has strenuously denied delaying military aid to Ukraine in order to obtain those investigations. And, Republicans and commentators quickly pointed out that Parnas has his own credibility issues.
Lev Parnas' purported handwritten note concerning the Ukraine probe of Joe Biden. (House Democrats).
Specifically, Parnas and his business partner Igor Fruman, both U.S. citizens who emigrated from the former Soviet bloc, have been indicted by federal prosecutors on charges of conspiracy, making false statements and falsification of records related to allegations that they made outsized campaign donations to Republican causes after receiving millions of dollars originating from Russia.
Additionally, Parnas' attorneys had stated last year that he would be willing to testify as part of the Democrats' impeachment inquiry, amid reports of a possible immunity deal to secure his appearance. Those discussions led Republicans to question whether Parnas simply was seeking to avoid jail time through his testimony.
READ PART ONE OF THE PARNAS EXCERPTS RELEASED BY HOUSE INVESTIGATORS ; PART TWO
However, also included in the documents were a series of materials that raised further questions about the Trump administration's actions in Ukraine. Text messages, for example, seemingly showed Parnas' associates tracking the movements of Marie Yovanovitch, the former U.S. ambassador to Ukraine who was recalled in May 2019. Democrats have said Yovanovitch stood in the way of the administration's plan to secure criminal investigations of Democratic presidential contender Joe Biden.
Giuliani has sinced acknowledged his role in Yovanovitch's ouster, calling her corrupt. And, in his infamous July call with Zelensky, Trump remarked: "She's going to go through some things," referring to Yovanovitch.
Parnas communicated with prominent Trump donor Robert F. Hyde in March 2019 about the diplomat, the Democrats said, with Hyde writing that he "can't believe" Trump "hasn't fired this b–ch. I'll get right in that."
"Wow. Can't believe Trumo [sic] hasn't fired this bi–h."
— Robert Hyde, to Rudy Giuliani, in newly released text messages referring to Marie Yovanovitch.
"Guess you can do anything in the Ukraine with money," Hyde texted, after establishing that Yovanovitch was under surveillance.
"She's talked to three people. Her phone is off. Computer is off," Hyde wrote on March 25, 2019. It was unclear how he would know that her computer was not on.
"She's next to the embassy. … Not in the embassy. Private security. Been there since Thursday."
As Yovanovitch testifed during Democrats' impeachment inquiry," Hyde wrote on Twitter that she was a "traitor," a "scumbag," and a "yuge pos."
And, in a May letter sent directly to Zelensky, Giuliani requested a meeting with Ukraine's president and explicitly stated that Trump was aware of the arrangement — even though Giuliani held no official government post at the time. A key portion of Democrats' impeachment argument has been that Trump associates had his imprimatur to pursue political investigations in Ukraine.
"However, I have a more specific request," Giuliani wrote, after congratulating Zelensky on his recent election win. "In my capacity as personal counsel to President Trump and with his knowledge and consent, I request a meeting with you on this upcoming Monday, May 13th, or Tuesday, May 14th."
Giuliani added: "I will need no more than a half hour of your time and I will be accompanied by my colleague Victoria Toensing, a distinguished American attorney who is very familiar with this matter."
Schiff also noted that, according to the documents, on Oct. 2, 2019, Trump attorney Jay Sekulow told former Trump attorney John Dowd that he had discussed "the issue of representation" with Trump, the Democrats said. Trump responded that he "consents to allowing your representation of Mr. Parnas and Mr. Fruman."
But speaking to reporters on Oct. 10, Trump responded: "I don't know those gentlemen," when asked about Parnas and Fruman.
"Now it's possible I have a picture with them because I have a picture with everybody, I have a picture with everybody here," Trump explained.
PARNAS TRIED HIDING $1M RUSSIAN PAYMENT, PROSECUTORS ALLEGE
Joseph Bondy, the lawyer for Parnas, tweeted Monday that they had "worked through the night" to provide data from two of his client's smartphones to the House Intelligence Committee.
The Democrat-led committee subpoenaed Parnas for documents on Oct. 10, the day after news broke that he and Fruman had been arrested by federal authorities while trying to board a one-way flight to Europe.
"Mr. Parnas remains committed to testifying as to all the actions he took in Ukraine on behalf of @realDonaldTrump," Bondy said.
Though the House voted to impeach Trump in December, Schiff has pressed ahead with efforts to gather more information and documents in advance of the president's upcoming trial in the Senate.
Parnas was deeply involved in efforts by Giuliani to press Ukraine's leaders to open an investigation into Biden and his son Hunter Biden. Trump's temporary withholding of U.S. military aid to the war-torn country is at the heart of the two impeachment articles approved by the House without any Republican votes.
FILE – In this Dec. 2, 2019, file photo, Lev Parnas arrives at court in New York. Parnas, a close associate of President Donald Trump's personal lawyer, Rudy Giuliani, has provided a trove of text messages and photos to the House committee leading the impeachment inquiry. (AP Photo/Seth Wenig, File)
While Parnas and Fruman were working with Giuliani to push for investigations of the Bidens, the two Florida-based businessmen were also leveraging political connections to Trump and other prominent Republicans to pursue a lucrative natural gas deal.
Bondy's tweets on Monday included a photo of Parnas posing with Trump, both men smiling and giving a thumbs-up, paired with the hashtags #LetLevSpeak and #LevRemembers.
Federal prosecutors in New York are reportedly also investigating Giuliani's business dealings, including whether or not the former New York City mayor failed to register as a foreign agent.
A federal judge ruled earlier this month that Parnas' cellphone data could be provided to House investigators.
The documents dropped as the House is set to vote Wednesday to send the articles of impeachment against Trump to the Senate for a landmark trial on whether the charges of abuse of power and obstruction of Congress are grounds for removal.
House Speaker Nancy Pelosi, D-Calif., announced the next steps after meeting privately with House Democrats at the Capitol, ending her blockade Tuesday — a month after Democrats voted to impeach Trump.
It will be only the third presidential impeachment trial in American history, a serious moment coming amid the backdrop of a politically divided nation and an election year.
"The president and the Senators will be held accountable," Pelosi said in a statement. "The American people deserve the truth, and the Constitution demands a trial."
Fox News' Jason Donner and The Associated Press contributed to this report.


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Banefe (por un tiempo llamada Santander Banefe) fue una división de consumo bancario chilena, división del Banco Santander Chile, que a su vez es miembro del Grupo Santander, con operaciones entre 1995 y 2017.

Historia
Banefe nace el 19 de noviembre de 1995, cuando el Banco Santander de Chile fusiona sus divisiones de consumo, Fincard (división de Tarjetas de Crédito) y Financiera Fusa (división de Créditos de Consumo). En junio de 1996 el Banco Santander adquirió el Bancosorno y con ello Banefe absorbió a BanLíder (división de Créditos de Consumo de Bancosorno).

A partir de ese momento, otras instituciones bancarias entran en este negocio, creando o adquiriendo financieras o divisiones de consumo, ejemplos de esto son:

CrediChile, división de créditos de consumo creada por el Banco de Chile en 1993. Desde 2004 es denominada como Banco CrediChile.
Financiera Fina, posteriormente denominada Finandes, división de créditos de consumo adquirida por el Banco de A. Edwards en 1992, cuyas operaciones se fusionan en 2001 con el Banco de Chile, fusionando Finandes con CrediChile y formando Banco CrediChile.
Financiera Atlas, financiera adquirida por Citibank en 1999. Ese mismo año es rebautizada como Atlas Citibank. Posteriormente denominada Atlas Banco de Chile luego de la fusión Chile-Citibank en 2008; esta es fusionada con el Banco CrediChile, quedando la imagen de esta última.
Financiera Conosur, posteriormente denominada Banco Conosur, banco adquirido por el Banco de Crédito e Inversiones (BCI) en 2004, pasó a ser Banco Nova, fue renombrado en 2008 como Bci Nova.
Financiera Condell, financiera adquirida por CorpBanca en 1998. En 1999 es rebautizada como BanCondell. Posteriormente pasó a llamarse Banco Condell de CorpBanca, y desde 2016 es llamada Banco Condell de Itaú tras la fusión Itaú-CorpBanca.
Financiera Solución, posteriormente denominada BanSolución en 1996, división de créditos de consumo creada por el Banco de Santiago en 1992. Cuando en 2003, el Banco Santander compra el Banco Santiago, fusionando ese mismo año sus operaciones, en ese entonces fue renombrado como Banco Santiago Express. En 2005, Santander Chile pone a la venta la división y es adquirida por Almacenes París C.S.A. (actual París S.A.) y es renombrada como Banco París como subsidiaria de Cencosud. Banco París cerró en 2016.

Hasta 2004, la imagen de Banefe consistía en la palabra "Banefe", con la primera mitad de la palabra (Ban) en azul oscuro y la segunda mitad (efe) en color blanco y sobre un óvalo de color rojo (ocasionalmente de colores amarillo, verde o gris).

Banefe, en 2004, es renombrada como Santander Banefe, renovando totalmente su imagen, basada en la imagen de su matriz, acercándola a Santander. Su nuevo eslogan era Un banco refrescante.

En 2011, y por medio de una campaña de reposicionamiento a nivel nacional, se elimina el "Santander" de su marca, quedando solamente con la denominación "Banefe", que poseía hasta 2004. El logotipo abandona el color naranja, pasando al rojo corporativo del Santander, quedando junto al isotipo que caracteriza a la entidad española.

Actualmente, es la división de consumo con mayor participación de mercado (28%, fuente DF), seguida muy de cerca por BCI Nova (26,8%), Banco CrediChile (25,2%), Banco Condell de CorpBanca y Banco Express de BBVA.

En octubre de 2017, Banco Santander eliminó la marca Banefe y sus clientes y productos pasaron a ser parte del banco, al igual que la mayoría de sus sucursales.

Referencias

Enlaces externos
Santander Chile
Banefe
Grupo Santander

Bancos desaparecidos de Chile
Banco Santander
Empresas fundadas en 1995
Empresas desaparecidas en 2017


With over 12,000 jurisdictions in the U.S. and hundreds of thousands of rule changes annually, sales tax is a moving target in the best of times. Managing sales tax accurately requires a level of expertise many companies simply don't possess. And 2015 is shaping up to be an even thornier year for sales tax compliance.
In addition to the usual suspects—constantly shifting nexus rules, product and service taxability changes, etc.—states are working even harder to capture untapped sales tax revenue in 2015. One place they're looking is the cloud.
Take software, for example. As computer technology has expanded from hardware to software to SaaS (software as a service), more companies are transferring data and operations to the Internet. While states have historically lagged behind with applicable sales tax rules, that is beginning to change. New Jersey taxes most cloud services and software, whereas Michigan has courts ruling to leave them non-taxable but a department of revenue that says otherwise. Have a compass and a crystal ball? Hope so.
How states define cloud services is even more complicated. Tennessee considers web conferencing a taxable cloud service. Idaho recently defined cloud-based software as only software that is delivered electronically. In Vermont, custom SaaS software is tax-exempt, whereas out-of-the-box software is subject to tax.
This is the tip of the iceberg when it comes to sales tax in the cloud. Be sure to check changes rules and rates by contacting the applicable departments of revenue. Or automate it and eliminate worry.
Learn more by reading the 2015 Sales Tax Survival Guide.


text:
package com.alibaba.fastjson.parser.deserializer;

import java.lang.reflect.Constructor;
import java.lang.reflect.Proxy;
import java.lang.reflect.Type;
import java.util.ArrayList;
import java.util.HashMap;
import java.util.IdentityHashMap;
import java.util.List;
import java.util.Map;

import com.alibaba.fastjson.JSON;
import com.alibaba.fastjson.JSONException;
import com.alibaba.fastjson.JSONObject;
import com.alibaba.fastjson.parser.DefaultJSONParser;
import com.alibaba.fastjson.parser.DefaultJSONParser.ResolveTask;
import com.alibaba.fastjson.parser.Feature;
import com.alibaba.fastjson.parser.JSONLexer;
import com.alibaba.fastjson.parser.JSONToken;
import com.alibaba.fastjson.parser.ParseContext;
import com.alibaba.fastjson.parser.ParserConfig;
import com.alibaba.fastjson.serializer.FilterUtils;
import com.alibaba.fastjson.util.DeserializeBeanInfo;
import com.alibaba.fastjson.util.FieldInfo;
import com.alibaba.fastjson.util.TypeUtils;

public class JavaBeanDeserializer implements ObjectDeserializer {

    private final Map<String, FieldDeserializer> feildDeserializerMap     = new IdentityHashMap<String, FieldDeserializer>();

    private final List<FieldDeserializer>        fieldDeserializers       = new ArrayList<FieldDeserializer>();
    private final List<FieldDeserializer>        sortedFieldDeserializers = new ArrayList<FieldDeserializer>();
    private final Class<?>                       clazz;

    private DeserializeBeanInfo                  beanInfo;

    public JavaBeanDeserializer(ParserConfig config, Class<?> clazz){
        this(config, clazz, clazz);
    }

    public JavaBeanDeserializer(ParserConfig config, Class<?> clazz, Type type){
        this.clazz = clazz;

        beanInfo = DeserializeBeanInfo.computeSetters(clazz, type);

        for (FieldInfo fieldInfo : beanInfo.getFieldList()) {
            addFieldDeserializer(config, clazz, fieldInfo);
        }

        for (FieldInfo fieldInfo : beanInfo.getSortedFieldList()) {
            FieldDeserializer fieldDeserializer = feildDeserializerMap.get(fieldInfo.getName().intern());
            sortedFieldDeserializers.add(fieldDeserializer);
        }
    }

    public Map<String, FieldDeserializer> getFieldDeserializerMap() {
        return feildDeserializerMap;
    }

    public Class<?> getClazz() {
        return clazz;
    }

    private void addFieldDeserializer(ParserConfig mapping, Class<?> clazz, FieldInfo fieldInfo) {
        String interName = fieldInfo.getName().intern();
        FieldDeserializer fieldDeserializer = createFieldDeserializer(mapping, clazz, fieldInfo);

        feildDeserializerMap.put(interName, fieldDeserializer);
        fieldDeserializers.add(fieldDeserializer);
    }

    public FieldDeserializer createFieldDeserializer(ParserConfig mapping, Class<?> clazz, FieldInfo fieldInfo) {
        return mapping.createFieldDeserializer(mapping, clazz, fieldInfo);
    }

    public Object createInstance(DefaultJSONParser parser, Type type) {
        if (type instanceof Class) {
            if (clazz.isInterface()) {
                Class<?> clazz = (Class<?>) type;
                ClassLoader loader = Thread.currentThread().getContextClassLoader();
                final JSONObject obj = new JSONObject();
                Object proxy = Proxy.newProxyInstance(loader, new Class<?>[] { clazz }, obj);
                return proxy;
            }
        }

        if (beanInfo.getDefaultConstructor() == null) {
            return null;
        }

        Object object;
        try {
            Constructor<?> constructor = beanInfo.getDefaultConstructor();
            if (constructor.getParameterTypes().length == 0) {
                object = constructor.newInstance();
            } else {
                object = constructor.newInstance(parser.getContext().getObject());
            }
        } catch (Exception e) {
            throw new JSONException("create instance error, class " + clazz.getName(), e);
        }

        if (parser.isEnabled(Feature.InitStringFieldAsEmpty)) {
            for (FieldInfo fieldInfo : beanInfo.getFieldList()) {
                if (fieldInfo.getFieldClass() == String.class) {
                    try {
                        fieldInfo.set(object, "");
                    } catch (Exception e) {
                        throw new JSONException("create instance error, class " + clazz.getName(), e);
                    }
                }
            }
        }

        return object;
    }

    public <T> T deserialze(DefaultJSONParser parser, Type type, Object fieldName) {
        return deserialze(parser, type, fieldName, null);
    }

    @SuppressWarnings({ "unchecked" })
    public <T> T deserialzeArrayMapping(DefaultJSONParser parser, Type type, Object fieldName, Object object) {
        final JSONLexer lexer = parser.getLexer(); // xxx
        if (lexer.token() != JSONToken.LBRACKET) {
            throw new JSONException("error");
        }

        object = createInstance(parser, type);

        int size = sortedFieldDeserializers.size();
        for (int i = 0; i < size; ++i) {
            final char seperator = (i == size - 1) ? ']' : ',';
            FieldDeserializer fieldDeser = sortedFieldDeserializers.get(i);
            Class<?> fieldClass = fieldDeser.getFieldClass();
            if (fieldClass == int.class) {
                int value = lexer.scanInt(seperator);
                fieldDeser.setValue(object, value);
            } else if (fieldClass == String.class) {
                String value = lexer.scanString(seperator);
                fieldDeser.setValue(object, value);
            } else if (fieldClass == long.class) {
                long value = lexer.scanLong(seperator);
                fieldDeser.setValue(object, value);
            } else if (fieldClass.isEnum()) {
                Enum<?> value = lexer.scanEnum(fieldClass, parser.getSymbolTable(), seperator);
                fieldDeser.setValue(object, value);
            } else {
                lexer.nextToken(JSONToken.LBRACKET);
                Object value = parser.parseObject(fieldDeser.getFieldType());
                fieldDeser.setValue(object, value);

                if (seperator == ']') {
                    if (lexer.token() != JSONToken.RBRACKET) {
                        throw new JSONException("syntax error");
                    }
                    lexer.nextToken(JSONToken.COMMA);
                } else if (seperator == ',') {
                    if (lexer.token() != JSONToken.COMMA) {
                        throw new JSONException("syntax error");
                    }
                }
            }
        }
        lexer.nextToken(JSONToken.COMMA);

        return (T) object;
    }

    @SuppressWarnings("unchecked")
    public <T> T deserialze(DefaultJSONParser parser, Type type, Object fieldName, Object object) {
        final JSONLexer lexer = parser.getLexer(); // xxx

        if (lexer.token() == JSONToken.NULL) {
            lexer.nextToken(JSONToken.COMMA);
            return null;
        }

        ParseContext context = parser.getContext();
        if (object != null) {
            context = context.getParentContext();
        }
        ParseContext childContext = null;

        try {
            Map<String, Object> fieldValues = null;

            if (lexer.token() == JSONToken.RBRACE) {
                lexer.nextToken(JSONToken.COMMA);
                if (object == null) {
                    object = createInstance(parser, type);
                }
                return (T) object;
            }

            if (lexer.token() == JSONToken.LBRACKET && lexer.isEnabled(Feature.SupportArrayToBean)) {
                return deserialzeArrayMapping(parser, type, fieldName, object);
            }

            if (lexer.token() != JSONToken.LBRACE && lexer.token() != JSONToken.COMMA) {
                StringBuffer buf = (new StringBuffer()) //
                .append("syntax error, expect {, actual ") //
                .append(lexer.tokenName()) //
                .append(", pos ") //
                .append(lexer.pos()) //
                ;
                if (fieldName instanceof String) {
                    buf //
                    .append(", fieldName ") //
                    .append(fieldName);
                }
                throw new JSONException(buf.toString());
            }

            if (parser.getResolveStatus() == DefaultJSONParser.TypeNameRedirect) {
                parser.setResolveStatus(DefaultJSONParser.NONE);
            }

            for (;;) {

                String key = lexer.scanSymbol(parser.getSymbolTable());

                if (key == null) {
                    if (lexer.token() == JSONToken.RBRACE) {
                        lexer.nextToken(JSONToken.COMMA);
                        break;
                    }
                    if (lexer.token() == JSONToken.COMMA) {
                        if (parser.isEnabled(Feature.AllowArbitraryCommas)) {
                            continue;
                        }
                    }
                }

                if ("$ref" == key) {
                    lexer.nextTokenWithColon(JSONToken.LITERAL_STRING);
                    if (lexer.token() == JSONToken.LITERAL_STRING) {
                        String ref = lexer.stringVal();
                        if ("@".equals(ref)) {
                            object = context.getObject();
                        } else if ("..".equals(ref)) {
                            ParseContext parentContext = context.getParentContext();
                            if (parentContext.getObject() != null) {
                                object = parentContext.getObject();
                            } else {
                                parser.addResolveTask(new ResolveTask(parentContext, ref));
                                parser.setResolveStatus(DefaultJSONParser.NeedToResolve);
                            }
                        } else if ("$".equals(ref)) {
                            ParseContext rootContext = context;
                            while (rootContext.getParentContext() != null) {
                                rootContext = rootContext.getParentContext();
                            }

                            if (rootContext.getObject() != null) {
                                object = rootContext.getObject();
                            } else {
                                parser.addResolveTask(new ResolveTask(rootContext, ref));
                                parser.setResolveStatus(DefaultJSONParser.NeedToResolve);
                            }
                        } else {
                            parser.addResolveTask(new ResolveTask(context, ref));
                            parser.setResolveStatus(DefaultJSONParser.NeedToResolve);
                        }
                    } else {
                        throw new JSONException("illegal ref, " + JSONToken.name(lexer.token()));
                    }

                    lexer.nextToken(JSONToken.RBRACE);
                    if (lexer.token() != JSONToken.RBRACE) {
                        throw new JSONException("illegal ref");
                    }
                    lexer.nextToken(JSONToken.COMMA);

                    parser.setContext(context, object, fieldName);

                    return (T) object;
                }

                if (JSON.DEFAULT_TYPE_KEY == key) {
                    lexer.nextTokenWithColon(JSONToken.LITERAL_STRING);
                    if (lexer.token() == JSONToken.LITERAL_STRING) {
                        String typeName = lexer.stringVal();
                        lexer.nextToken(JSONToken.COMMA);

                        if (type instanceof Class && typeName.equals(((Class<?>) type).getName())) {
                            if (lexer.token() == JSONToken.RBRACE) {
                                lexer.nextToken();
                                break;
                            }
                            continue;
                        }

                        Class<?> userType = TypeUtils.loadClass(typeName);
                        ObjectDeserializer deserizer = parser.getConfig().getDeserializer(userType);
                        return (T) deserizer.deserialze(parser, userType, fieldName);
                    } else {
                        throw new JSONException("syntax error");
                    }
                }

                if (object == null && fieldValues == null) {
                    object = createInstance(parser, type);
                    if (object == null) {
                        fieldValues = new HashMap<String, Object>(this.fieldDeserializers.size());
                    }
                    childContext = parser.setContext(context, object, fieldName);
                }

                boolean match = parseField(parser, key, object, type, fieldValues);
                if (!match) {
                    if (lexer.token() == JSONToken.RBRACE) {
                        lexer.nextToken();
                        break;
                    }

                    continue;
                }

                if (lexer.token() == JSONToken.COMMA) {
                    continue;
                }

                if (lexer.token() == JSONToken.RBRACE) {
                    lexer.nextToken(JSONToken.COMMA);
                    break;
                }

                if (lexer.token() == JSONToken.IDENTIFIER || lexer.token() == JSONToken.ERROR) {
                    throw new JSONException("syntax error, unexpect token " + JSONToken.name(lexer.token()));
                }
            }

            if (object == null) {
                if (fieldValues == null) {
                    object = createInstance(parser, type);
                    if (childContext == null) {
                        childContext = parser.setContext(context, object, fieldName);
                    }
                    return (T) object;
                }

                List<FieldInfo> fieldInfoList = beanInfo.getFieldList();
                int size = fieldInfoList.size();
                Object[] params = new Object[size];
                for (int i = 0; i < size; ++i) {
                    FieldInfo fieldInfo = fieldInfoList.get(i);
                    params[i] = fieldValues.get(fieldInfo.getName());
                }

                if (beanInfo.getCreatorConstructor() != null) {
                    try {
                        object = beanInfo.getCreatorConstructor().newInstance(params);
                    } catch (Exception e) {
                        throw new JSONException("create instance error, "
                                                + beanInfo.getCreatorConstructor().toGenericString(), e);
                    }
                } else if (beanInfo.getFactoryMethod() != null) {
                    try {
                        object = beanInfo.getFactoryMethod().invoke(null, params);
                    } catch (Exception e) {
                        throw new JSONException("create factory method error, "
                                                + beanInfo.getFactoryMethod().toString(), e);
                    }
                }
            }

            return (T) object;
        } finally {
            if (childContext != null) {
                childContext.setObject(object);
            }
            parser.setContext(context);
        }
    }

    public boolean parseField(DefaultJSONParser parser, String key, Object object, Type objectType,
                              Map<String, Object> fieldValues) {
        JSONLexer lexer = parser.getLexer(); // xxx

        FieldDeserializer fieldDeserializer = feildDeserializerMap.get(key);

        if (fieldDeserializer == null) {
            for (Map.Entry<String, FieldDeserializer> entry : feildDeserializerMap.entrySet()) {
                if (entry.getKey().equalsIgnoreCase(key)) {
                    fieldDeserializer = entry.getValue();
                    break;
                }
            }
        }

        if (fieldDeserializer == null) {
            parseExtra(parser, object, key);

            return false;
        }

        lexer.nextTokenWithColon(fieldDeserializer.getFastMatchToken());

        fieldDeserializer.parseField(parser, object, objectType, fieldValues);

        return true;
    }

    void parseExtra(DefaultJSONParser parser, Object object, String key) {
        final JSONLexer lexer = parser.getLexer(); // xxx
        if (!lexer.isEnabled(Feature.IgnoreNotMatch)) {
            throw new JSONException("setter not found, class " + clazz.getName() + ", property " + key);
        }

        lexer.nextTokenWithColon();
        Type type = FilterUtils.getExtratype(parser, object, key);
        Object value;
        if (type == null) {
            value = parser.parse(); // skip
        } else {
            value = parser.parseObject(type);
        }

        FilterUtils.processExtra(parser, object, key, value);
    }

    public int getFastMatchToken() {
        return JSONToken.LBRACE;
    }

}

redpajama_set_name: RedPajamaGithub


Hi! I'm Amy, and I believe that every good celebration deserves a GREAT cake! My custom made cakes are carefully crafted and baked with quality ingredients to ensure that your celebration cake is one to remember! Scroll through the images of my recent cakes for inspiration or let me create a cake to match your theme.


text:
Adreno ist eine Familie von Multimedia-Prozessoren von Qualcomm, die ursprünglich von ATI Technologies (ATI) als Imageon entwickelt wurde und 2008 von AMD an Qualcomm verkauft worden ist. Der Name ist ein Anagramm von Radeon. Die Adreno-Prozessoren bieten Grafikbeschleunigung und andere Multimediafähigkeiten für mobile Geräte wie Mobiltelefone und Organizer.

Adreno wird soweit ausschließlich in Qualcomms Snapdragon System-on-a-Chip verbaut.

Ein freier Grafik-Treiber namens freedreno für Linux wird unter Einsatz von Reverse Engineering geschrieben. Ein darauf aufbauender Direct Rendering Manager wurde mit Linux-Kernelversion 3.12 aufgenommen.

Übersicht

Weblinks
 Qualcomm Adreno
 freedreno Projektseite
 Freedreno Update, 4. Oktober 2014

Einzelnachweise

Grafikchip
Markenname (Hard- und Software)
AMD


text:
2018 BCA PROFILES: Kelly Howard, The Bloom Award – Communicator of the Year
Crosby Noricks
PR Couture, PR Pro Interviews, Q&A, the BCAs
In May, Kelly Howard, CEO and self-proclaimed HBIC of EightSixtySouth, a strategic communications agency with a focus on fashion, beauty and lifestyle public relations won the BCA's 2018 Bloom Award – Communicator of the Year. This well-deserved honor goes to a PR professional that undertook the rebranding and expansion of Post+Beam to become what is now EightSixtySouth, while landing the agency recognition and success with clients, such as SEPHORA, Facebook and Lokai. With over 10 years of experience in the industry, Kelly's contributions to the lifestyle and fashion PR industries sets her apart. A proud Iowa State alumna Kelly serves as the President of Iowa State Alumni of Los Angeles.
How does it feel to win the Bloom Award? How are you going to celebrate?
It's truly an honor – since the launch of EightSixtySouth, we've had some amazing wins and #proudpublicist moments, however, you don't always give yourself the time to reflect and admire all that you've done – you're just in it. Being recognized by PR Couture gave me an opportunity to take a pause and look back at everything 860S has accomplished in the last year – and it's been a truly amazing feat, something I couldn't have done without the support of my team, friends and an incredible network of individuals and businesses – including PR Couture. Celebrations usually call for champagne – and the team at 860S made sure to take that responsibility seriously the day the award was announced.
In your eyes, what sets you apart from other communicators in the field?
This one is tough – I'm fortunate enough to be connected with so many amazing women & communicators in my field, each of us with a unique skill set and passion for what we do, that it's hard to say what sets one of us apart from the other. I think when you love what you do, and you value the people and team that you do it with, amazing things can happen – and people feel that.
How do you plan to tackle the rest of 2018? What are a few things you'd like to focus on?
For starters, how is it already July?! At the end of 2017, we hosted a team retreat where we all set goals for 2018, and I reminded the team last week that we were halfway there…and had we accomplished them. Let's just say it was a reality check for all of us – time flies when you're having fun. That being said, I would love for the remainder of 2018 to be focused on refining what it means to be EightSixtySouth – our mission, our clients, our company, our team – and how we can apply that to success for the company and ourselves.
Know that you're not alone, rely on your network and continue to build, staying authentic to who you are and what you love. The rest will come.
What advice do you have for communicators who haven't had such a successful year?
Keep going. Keep learning. Keep driving forward. The world of communication has changed so rapidly in the last five years that sometimes it feels like we're all still figuring it out. Know that you're not alone, rely on your network and continue to build, staying authentic to who you are and what you love. The rest will come.
In a few sentences, tell us what your goals are/ what we can expect to see from your agency in the future.
Growth while remaining grounded to who we are – we've had the opportunity in the past year to work on some truly amazing projects, with more in the wings I'm humbled and excited to be a part of. I'm looking forward to the journey these new paths will take us on and can't wait to see how the team and company evolve as a result.
If we looked inside your purse/work bag right now, what PR survival must-haves would we find?
iPhone and charger – cliche, but true. My wallet & business cards – never know who you're going to meet! Being the boss also means always having a CC for the team on hand when they need. Skinn Cosmetics Hand Restore with SPF – they say the first place you show age is your hands, desperately trying to avoid that. Makeup bag for touch-ups on the go. Dog leash – we have a very dog-friendly office, a key perk when trying to maintain that work/life balance!
Anything else you'd like us to know?
Just a huge thanks to Crosby and PR Couture – she's been an amazing friend and colleague throughout the years and I can't thank her enough for the network she's built.
Known as the "fashion publicist's most powerful accessory," (San Diego Union-Tribune) and the "West Coast 'It' girl of fashion PR," (YFS Magazine) Crosby Noricks put fashion public relations on the digital map when she launched PR Couture in 2006. She is the author of Ready to Launch: The PR Couture Guide to Breaking into Fashion PR, available on Amazon. A decade later, Crosby is a successful fashion marketing strategist who spends her time championing PR Couture's growth and mentoring fashion publicists through her signature online course PRISM. Learn more about opportunities to work directly with Crosby at her website crosbynoricks.com
What Is Green PR? How to Promote Environmental Initiatives and Avoid Greenwashing
Let's go »
3 Ways PR Pros Can Support Clients Through Supply Chain Challenges
How the 7 Barcelona Principles Can Help Measure the Value of Your PR Campaign


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text:
Home >> PCMA2006 >> The Prohibition of Child Marriage Act, 2006
Section 18 in The Prohibition of Child Marriage Act, 2006
Title: Protection of action taken in good faith
Description: No suit, prosecution or other legal proceedings shall lie against the Child Marriage Prohibition Officer in respect of anything in good faith done or intended to be done in pursuance of this Act or any rule or order made thereunder.
Title: Power of State Government to make rules
Description: (1) The State Government may, by notification in the Official Gazette, make rules for carrying out the provisions of this Act. (2) Every rule made under this Act shall, as soon as may be after it is made, be laid before the State Legislature.
Title: Amendment of Act No. 25 of 1955
Description: In the Hindu Marriage Act, 1955, in section 18, for clause (a), the following clause shall be substituted, namely:-- "(a) in the case of contravention of the condition specified in clause (iii) of section 5, with rigorous imprisonment which may extend to two years or with fine which may extend to one lakh rupees, or with both".
Title: Repeal and savings.
Description: (1) The Child Marriage Restraint Act, 1929 (19 of 1929) is hereby repealed. (2) Notwithstanding such repeal, all cases and other proceedings pending or continued under the said Act at the commencement of this Act shall be continued and disposed of in accordance with the provisions of the repealed Act, as if this Act had not been passed.
Section 1 in The Scheduled Tribes and Other Traditional Forest Dwellers (Recognition of Forest Rights) Act, 2006
Title: Short title, extent and commencement
Description: (1) This Act may be called the Scheduled Tribes and Other Traditional Forest Dwellers (Recognition of Forest Rights) Act, 2006. (2) It extends to the whole of India 1***. (3) It shall come into force on such date2 as the Central Government may, by notification in the Official Gazette, appoint. 1. The words "except the State of Jammu and Kashmir" omitted by Act 34 of 2019, s. 95 and the Fifth Schedule (w.e.f. 31-10-2019). 2. 31st December, 2007, vide notification No. S. O. 2224(E), dated 31st December, 2007, see Gazette of India Extraordinary, Part II, sec 3(ii)
The Prohibition of Child Marriage Act, 2006
Short title, extent and commencement : (Section 1 in The Prohibition of Child Marriage Act, 2006)
Definitions : (Section 2 in The Prohibition of Child Marriage Act, 2006)
Child marriages to be voidable at the option of contracting party being a child : (Section 3 in The Prohibition of Child Marriage Act, 2006)
Provision for maintenance and residence to female contracting party to child marriage. : (Section 4 in The Prohibition of Child Marriage Act, 2006)
Custody and maintenance of children of child marriages : (Section 5 in The Prohibition of Child Marriage Act, 2006)
Legitimacy of children born of child marriages : (Section 6 in The Prohibition of Child Marriage Act, 2006)
Power of district court to modify orders issued under section 4 or section 5 : (Section 7 in The Prohibition of Child Marriage Act, 2006)
Court to which petition should be made : (Section 8 in The Prohibition of Child Marriage Act, 2006)
Punishment for male adult marrying a child : (Section 9 in The Prohibition of Child Marriage Act, 2006)
Punishment for solemnising a child marriage : (Section 10 in The Prohibition of Child Marriage Act, 2006)
Punishment for promoting or permitting solemnisation of child marriages : (Section 11 in The Prohibition of Child Marriage Act, 2006)
Marriage of a minor child to be void in certain circumstances : (Section 12 in The Prohibition of Child Marriage Act, 2006)
Power of court to issue injunction prohibiting child marriages : (Section 13 in The Prohibition of Child Marriage Act, 2006)
Child marriages in contravention of injunction orders to be void : (Section 14 in The Prohibition of Child Marriage Act, 2006)
Offences to be cognizable and non-bailable : (Section 15 in The Prohibition of Child Marriage Act, 2006)
Child Marriage Prohibition Officers : (Section 16 in The Prohibition of Child Marriage Act, 2006)
Child Marriage Prohibition Officers to be public servants : (Section 17 in The Prohibition of Child Marriage Act, 2006)
Protection of action taken in good faith : (Section 18 in The Prohibition of Child Marriage Act, 2006)
Power of State Government to make rules : (Section 19 in The Prohibition of Child Marriage Act, 2006)
Amendment of Act No. 25 of 1955 : (Section 20 in The Prohibition of Child Marriage Act, 2006)
Repeal and savings. : (Section 21 in The Prohibition of Child Marriage Act, 2006)