text:
Butterflies are among the most extensively studied insects — it is estimated that 90 percent of the world's species have scientific names. As a consequence, they are perhaps the best group of insects for examining patterns of terrestrial biotic diversity and distribution. Butterflies also have a favorable image with the general public. Hence, they are an excellent group for communicating information on science and conservation issues such as diversity.
Perhaps the aspect of butterfly diversity that has received the most attention over the past century is the striking difference in species richness between tropical and temperate regions. For example, in 1875 one biologist pointed out the diversity of butterflies in the Amazon when he mentioned that about 700 species were found within an hour's walk, whereas the total number found on the British islands did not exceed 66, and the whole of Europe supported only 321. This early comparison of tropical and temperate butterfly richness has been well confirmed.
A general theory of diversity would have to predict not only this difference between temperate and tropical zones, but also patterns within each region, and how these patterns vary among different animal and plant groups. However, for butterflies, variation of species richness within temperate or tropical regions, rather man between them, is poorly understood. Indeed, comparisons of numbers of species among the Amazon basin, tropical Asia, and Africa are still mostly "personal communication" citations, even for vertebrates. In other words, unlike comparison between temperate and tropical areas, these patterns are still in the documentation phase.
In documenting geographical variation in butterfly diversity, some arbitrary, practical decisions are made. Diversity, number of species, and species richness are used synonymously;little is known about the evenness of butterfly distribution. The New World butterflies make up the preponderance of examples because they are the most familiar species. It is hoped that by focusing on them, the errors generated by imperfect and incomplete taxonomy will be minimized.
1. Which aspect of butterflies does the passage mainly discuss?
(A) Their physical characteristics
(B) Their names
(C) Their adaptation to different habitats
(D) Their variety
2. The word "consequence" in line 2 is closest in meaning to
(A) result
(B) explanation
(C) analysis
(D) requirement
3. Butterflies are a good example for communicating information about conservation issues
because they
(A) are simple in structure
(B) are viewed positively by people
(C) have been given scientific names
(D) are found mainly in temperate climates
4. The word "striking" in line 8 is closest in meaning to
(A) physical
(B) confusing
(C) noticeable
(D) successful
5. The word "exceed" in line 11 is closest in meaning to
(A) locate
(B) allow
(C) go beyond
(D) come close to
6. All of the following are mentioned as being important parts of a general theory of diversity EXCEPT
(A) differences between temperate and tropical zones
(B) patterns of distribution of species in each region
(C) migration among temperate and tropical zones
(D) variation of patterns of distribution of species among different animals and plants
7. The author mentions tropicalAsia in lines 19 as an example of a location where
(A) butterfly behavior varies with climate
(B) a general theory of butterfly diversity has not yet been firmly established
(C) butterflies are affected by human populations
(D) documenting plant species is more difficult than documenting butterfly species
8. Which of the following is NOT well understood by biologists?
(A) European butterfly habitats
(B) Differences in species richness between temperate and tropical regions
(C) Differences in species richness within a temperate or a tropical region
(D) Comparisons of behavior patterns of butterflies and certain animal groups
9. The word "generated" in line 26 is closest in meaning to
(A) requested
(B) caused
(C) assisted
(D) estimated


text: Tom Harrington switched from writing software for embedded systems and Linux to Mac OS X in 2002 when he started Atomic Bird, LLC. After six years of developing highly regarded Mac software, he moved to iPhone in 2008. He develops iOS software on a contract basis for a variety of clients. Tom also organizes iOS developer events in Colorado. When not writing software, Tom can often be found on his mountain bike. His website is www.atomicbird.com.

subset: commoncrawl


text:
Several famous baseball players, NFL athletes, and basketball stars have died much too young. Some of these sports stars that died young suffered from undiagnosed medical conditions, while others were killed in car accidents.
Who are some of the most famous professional athletes who died young? Malik Sealy tops our list. His NBA career was cut tragically short when he was killed in a wrong-way car accident at the age of 30. The driver responsible for the 2000 crash was sentenced to four years in prison after pleading guilty to criminal vehicular homicide.
On February 18, 2001, Dale Earnhardt died in the final lap of the 2001 Daytona 500. He is widely considered one of the best racers of all time having won seven Winston Cup Championships and several other honors. Other pro athletes that died young who appear on this list include Reggie Lewis, Steve Prefontaine, and Roberto Clemente.
Aaron Hernandez
Former football star Aaron Hernandez died on April 19, 2017 after committing suicide. He was 27.
Hernandez was a football standout while attending the University of Florida, where he and his teammates won the BCS National Championship. He was drafted into the NFL by the New England Patriots in 2010 playing at tight end, and had an impressive – albeit short – NFL career. Despite a promising start, Hernandez's personal life and legal troubles overshadowed him.
In 2007, he was arrested for fighting at an off-campus bar in Gainesville, FL. He was also accused of participating in a double shooting, but was never charged with the crime. In 2012, he was accused of killing two men in Boston, but was never formally charged. In 2013, he was accused of two separate shootings – one in Miami, and another in Boston. He was never charged in the Miami shooting, but was put on trial for the death of his friend Odin Lloyd in Boston. Two years later, Hernandez was found guilty of the 2013 killing of Lloyd. He was sentenced to life in prison.
In 2017, the trial for his 2012 shootings began. A jury found him not guilty and he was acquitted on all charges. But because of the first homicide charge, he was put back in prison. Less than a week later, he hung himself in his prison cell.
Malik Sealy
Malik Sealy's NBA career was cut tragically short when he was killed in a wrong-way car accident at the age of 30. The driver responsible for the 2000 crash was sentenced to four years in prison after pleading guilty to criminal vehicular homicide.
Lou Gehrig
Lou Gehrig died on June 2, 1941 at the age of 37 after suffering from amyotrophic lateral sclerosis (ALS). The fatal disorder has become known as Lou Gehrig's disease.
Ernie Davis
1961 Heisman Trophy winner Ernie Davis was never able to play a game in the NFL as he was diagnosed with Leukemia the following year. He passed away, at the age of 23, on May 18, 1963.
Roberto Clemente
MLB legend Roberto Clemente's death in 1972 was all the more tragic due to the circumstances. He was on his way to deliver aid to earthquake victims in Nicaragua when his plane crashed.
Steve Prefontaine
Olympic runner Steve Prefontaine died at the age of 24 after being involved in a 1975 car accident. He is often cited as igniting the running boom of the 1970s.
Thurman Munson
Legendary Yankees catcher Thurman Munson died at the age of 32 in 1979. He was practicing landing a plane when the aircraft crashed.
Salvador Sánchez
Professional boxer Salvador Sánchez died on August 12, 1982, at the age of 23, after being involved in a deadly car accident. His boxing record was 44 wins, 1 loss and 1 draw at the time of his death.
Pelle Lindbergh
NHL goalie Pelle Lindbergh died, at the age of 26, after being involved in a 1985 car accident in which he lost control of his Porsche 930 Turbo. The Philadelphia Flyers now present the Pelle Lindbergh Trophy to the most improved player on the team.
Len Bias
All-American college basketball star Len Bias died as the result of a cocaine overdose in 1986 at the age of 22. His death came just two days after he was drafted as the second overall pick by the Boston Celtics in the NBA draft.
Tim Richmond
Race car driver Tim Richmond died on August 13, 1989, at the age of 34, due to complications from AIDS.
Hank Gathers
College basketball star Hank Gathers died on March 4, 1990, at the age of 23, after collapsing during a WCC tournament semifinal game. He was suffering from exercise-induced ventricular tachycardia and had reduced his medication levels because he believed it was affecting his ability to play basketball.
Dražen Petrović
NBA player Dražen Petrović died on June 7, 1993, at age 28, after being involved in a car accident. He was traveling as the passenger in a car that was hit by a truck.
Reggie Lewis
At the age of 27, NBA player Reggie Lewis died after going into cardiac arrest during a practice in 1993. His No. 35 jersey was retired in 1995.
Dale Earnhardt
On February 18, 2001, Dale Earnhardt died in the final lap of the 2001 Daytona 500. He is widely considered one of the best racers of all time, having won seven Winston Cup Championships and several other honors.
Darryl Kile
MLB pitcher Darryl Kile died from a heart attack on June 22, 2002, at the age of 33. It was later found that he suffered from a 90 percent blockage in two coronary arteries near his heart.
Dan Snyder
25-year-old NHL player Dan Snyder fell into a coma after being involved in a car accident in 2003. His friend and teammate Dany Heatley, who was driving the car, was sentenced to three years' probation and fined $3,000 for the incident.
Pat Tillman
NFL player Pat Tillman was killed in action in Afghanistan 2004. The circumstances of his death are still questionable, but Tillman has been honored with the Purple Heart and Silver Star medals for his heroic service. The army originally stated that Tillman had been killed by enemy fire, but it was later discovered that members of his own platoon may have mistaken him for the enemy. He was shot three times in the head.
Darrent Williams
24-year-old NFL player Darrent Williams was killed in a drive-by shooting on January 1, 2007. The gunman was sentenced to life in prison for murdering the young athlete.
Antonio Puerta
At the young age of 22, soccer player Antonio Puerta died on August 28, 2007 a few days after suffering from cardiac arrest during a match.
Nick Adenhart
Los Angeles Angels pitcher Nick Adenhart was killed at the age of 22 after being involved in a collision with a drunk driver on April 9, 2009. Two other individuals were also killed in the crash.
Sean Taylor
24-year-old NFL player Sean Taylor was murdered in his Miami home in 2007. Four men were accused of murdering him in a home invasion gone wrong.
Chris Henry
On December 16, 2009, Chris Henry died from injuries sustained in a car accident. He was 26 years old at the time of his death.
Davey Allison
NASCAR driver Davey Allison died on July 13, 1993, at the age of 32, after being involved in a helicopter crash in which he was the pilot. Fellow race car driver Red Farmer, who was a passenger on the aircraft, survived the crash.
Lyman Bostock
27-year-old MLB player Lyman Bostock was shot and killed in Gary, IN on September 23, 1978. The man who shot him, Leonard Smith, was found not guilty due to insanity, and has never given a reason for the crime.


text:
2 years ago
Work Hardening Improves Work Function and Prevents Future Injury
By Eboni Morris, manager, government relations and public affairs
Work hardening, as defined by the American Physical Therapy Association, is a highly structured, goal-oriented, individualized intervention program designed to help an individual return to work by improving work function and preventing future injury.
Work hardening is implemented once the initial injury is resolved. The program consists of creating a simulated work environment in which injured workers can develop strength, endurance, movement, flexibility, motor control and cardio capacity related to their actual job functions. The program addresses all of an injured worker's needs – physical, functional, behavioral and vocational. Often times, the program also includes educational activities that promote safe job performance and injury prevention.
Work hardening is experiencing a revival and programs are continuing to drastically improve. According to the U.S. Department of Labor, return-to-work programs should include services, such as work hardening, that have been effective in getting people back to work quickly. Unfortunately, workers' compensation eligibility and requirements can make implementing an individualized program for an injured worker a complex process.
State agencies can help break down these barriers by improving access to evidence-based return-to-work services, increasing incentives for injured workers and their employers to implement them, and communicating with all stakeholders regarding an injured worker's needs.


text:
Pages 96-97
An Inventory of the Historical Monuments in Essex, Volume 4, South east. Originally published by His Majesty's Stationery Office, London, 1923.
This free content was digitised by double rekeying and sponsored by English Heritage. All rights reserved.
In this section
59. NEVENDON. (D.c.)
(O.S. 6 in. (a)lxviii. S.E. (b)lxix. S.W.)
Nevendon is a parish 4 m. S.E. of Billericay.
b(1). Parish Church of St. Peter stands in the middle of the parish. The walls are of ragstone-rubble mixed with tile in the chancel and with dressings of limestone; the roofs are tiled. The Chancel was built in the 13th century, the nave at that time being probably of timber, as the stone W. quoins of the chancel are preserved. The Nave was re-built in stone in the 14th century. The bell-turret is of the 17th century or earlier. The church has been restored in modern times, when the walls were repointed and the South Vestry added.
Architectural Description—The Chancel (23½ ft. by 18 ft.) has an E. window all modern except for some re-used stones in the splays. In the N. wall are two 13th-century lancet-windows, modern externally; close to the W. end of the wall is a straight joint formed by the N.W. quoins of the chancel. In the S. wall are two 13th-century lancet-windows, the eastern modern externally; between them is a modern opening. There is a straight joint about 1½ ft. E. of the junction with the nave, similar to that in the N. wall.
The Nave (30 ft. by 20 ft.) has in the N. wall a modern window; further W. is the late 14th-century N. doorway with moulded jambs, two-centred arch and label with defaced head-stops. In the S. wall is a window and a doorway similar to those in the N. wall, but the doorway has no label. In the W. wall is a modern window.
The Roofs of the chancel and nave are of the 15th century with four king-post trusses with octagonal king-posts; at the W. end of the nave is the framing supporting the bell-turret.
Fittings—Monument and Floor-slab—Monument: In churchyard—to Thomas Blackmore, 1679, and to Elizabeth, 1690, and Ann, 1677, his daughters, table-tomb. Floor-slab: In chancel— to Thomas Hervey, rector of the parish, 1712. Piscina: In nave—in S. wall, with cinque-foiled head and sex-foiled drain, 15th-century. Recess: In chancel—in N. wall, extending to floor and with rebated jambs and segmental head, date uncertain. Stoup: In nave—E. of N. doorway— rough recess covered with modern cement.
a(2). Homestead Moat, at Cranes, nearly ½ m. S.W. of the church.
b(3). Fore Riders, house and moat, 500 yards N.N.E. of the church. The house is of two storeys; the walls are of timber-framing partly plastered and partly weather-boarded; the roofs are tiled. It was built probably in the 16th century on an L-shaped plan with the wings extending towards the N. and W. The upper storey projected at the S. end of the W. front and is carried on a moulded bressummer with curved brackets.
The Moat is incomplete.
b(4). Great Bromfords, house (Plate, pp.xxxiv-v) and moat, nearly ¾ m. N.N.E. of the church. The House is of two storeys, timber-framed and plastered; the roofs are tiled. It was built in the 15th century on an L-shaped plan with the wings extending towards the S. and E. In the 17th century an addition was made on the N. side of the E. wing, and there is a modern extension at the N.W. corner. The upper storey projects on the S. front of both wings and on the E. side of the E. wing; at the S.E. corner of the E. wing is an exposed wall-post with a moulded cap. The base of one of the chimney-stacks is of thin bricks. Inside the building the ceiling-beams in the rooms of the original house are exposed and the principal beams are supported on curved brackets.
The Moat is incomplete.
Condition—Of house, good.
b(5). Little Bromfords, house (Plate, pp. xxxiv-v) and moat, 150 yards N.N.E. of (4). The House is of two storeys with attics, timber-framed and plastered; the roofs are tiled. It was built probably late in the 16th century on a modified L-shaped plan with the wings extending towards the N. and E. and a small projecting bay (possibly originally a porch) extending westward at the S. end of the W. wing; there is a modern addition on the N. The gables to the E. wing and at the W. end of the S. front have moulded barge-boards, as has also the W. projecting bay; the upper storey of the latter projects on both sides and has moulded bressummers supported on elaborately shaped brackets. In the upper storey is an original window of two lights with a moulded mullion. The main chimney-stack is original and of grouped diagonal shafts. Inside the building some of the timber-construction and ceiling-beams are exposed. One of the rooms on the ground-floor has two original doors divided into small panels by moulded rails and muntins, and there is a similar door on the first floor made up of old material. In one of the ground-floor fireplaces is a fire-back with the initials E.M. and the date 1641, brought from elsewhere. The roof is of collar-beam construction.
The Moat surrounds the house and garden but is partly filled in.
Condition—Of house, good.
(6). Frampton's Farm, house, 200 yards E.N.E. of the church, is of two storeys, timber-framed and plastered; the roofs are tiled. It was built probably in the 16th century with a gabled cross-wing at the E. end which has the upper storey projecting on both the N. and S. fronts. Inside the building the W. room on the ground-floor has exposed ceiling-beams.


text:
Found 2 works tagged 'Cosmic'.
Published Mar 7, 2019 · 868 words (4 minutes) · 767 views
Horror Science Fiction Lovecraft Lovecraftian creepy Cosmic weird fiction space Sci-Fi Horror
U.S. Corp Station Z33.1 is the last inhabited station in explored space. Doctor Kent Warner has spent four years aboard, researching a strange abnormality... These are his conclusions.
Published Sep 20, 2017 · 988 words (4 minutes) · 1 like · 779 views
Humor Literary Fiction Science Fiction Philosophy Cosmic Delicious Literally a Recipe
Audio Available


text:
The Budapest-based Neuga Motorcycles has revolutionary change the style and design of Yamaha TR1 981. The bike started as a commission from Hungary's best known interior designer. Just look at the bike, its solid black, with the exception of the chrome on the engine and the gold of the front end and the chain. The traditional color scheme lends a menacing quality to the bike, making it an eye-catching and head-turning work of art
The '981' is a dark and luxurious Yamaha from the Virago family. It basically a single seater bike but the impact of the bike is too heavy to handle. While for the main stylistic work, Neuga machined up multiple little pieces, polished some parts, and making the ergonomics and electronics right for the riders.
The Modifications
This modified bike by Neuga has a 75-degree V-twin engine. The Yamaha TR1 981 is completely refurbished it and the parts are entirely swept out. The designer and the mechanics has changed everything, means the rings, oil pump, cam chains, camshafts, gaskets, and o-rings. The cylinder head was also refurbished, and everything received a thorough polishing. Well, Neuga didn't only make changes with the engine. They also have upgraded the frontend, adding in a Yamaha R1 setup with an extra 100mm on top.
Well the Neuga geniuses used wider rims to get beefier tires on the bike. The back-end was redone, and a custom seat was added so that they lines of the fuel tank could be continued. The Yamaha TR1 981 has a new electric appearance. It has a Moto gadget unit at the core and has a new wiring from nose to tail. With its keyless ignition is juiced from a 12-cell Antigravity battery in a laser cut holder.
The bike has visible custom 2-to-1 stainless steel exhaust system, with squared-off lines terminating in a flared muffler. A stunning ribbed seat with just the right amount of length completes the look without drawing too much attention to it. The weak rear drum brake was swapped out for a more modern hydraulic disk system, and the mono-shock is also upgraded.


text:
Microsoft has open-sourced the Windows Calculator, one of the most iconic elements of Windows. Microsoft has released the Windows Calculator source code and roadmap on GitHub. And it's encouraging developers to participate in the development of Calculator.
The Calculator has been a part of Windows since the beginning. And while the version that graces Windows 10 is more capable than the version which graced Windows 1.0, it's basically the same core program most of us will have used at some point in our lives.
Windows Calculator Is Now Available on GitHub
Now, as revealed on the Windows Developer Blog, Microsoft has released the source code and more on GitHub. Microsoft has released Windows Calculator under the MIT license for "clone-and-go" development projects that follow the standard GitHub flow.
Microsoft is inviting developers to use the Windows Calculator code in their own apps. It's also inviting developers to contribute to the future direction of Windows Calculator itself by participating in discussions, as well as suggesting and prototyping new features.
Announcing the Open Sourcing of Windows Calculator https://t.co/e0vKPjhxkQ
— Windows Blogs (@windowsblog) March 6, 2019
As well as adapting the code and contributing ideas, Microsoft sees this as "a great way to learn about the latest Microsoft technologies like the Universal Windows Platform, XAML, and Azure Pipelines. You can find the project here, and the documentation here.
Microsoft says it's goal here is "to build an even better user experience in partnership with the community." And with that in mind, the company is "encouraging your fresh perspectives and increased participation to help define the future of Calculator".
Microsoft Embraces the Open-Source Community
This isn't the first tool Microsoft has handed to the open-source community, and it's unlikely to be the last. The company was, for many years, known for its outright opposition to open-sourcing anything, but in recent years it has embraced the community.
Microsoft's embrace of the open-source community led to Microsoft joining the Open Invention Network (OIN) in 2018. And in doing so, Microsoft contributed 60,000 patents to the cause. Which should help protect Linux from patent lawsuits.
Read the full article: Microsoft Open-Sources Windows Calculator on GitHub


text:
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text:
I was try to install NuBuilder Pro on a local Server using AMPPS on my desktop (running Windows 10 Pro) and got directly some errors. Please look at the pictures below:
I opened the file nucommon.php and change already the Date from Y-m-d to d-m-Y, just don't know what I've to place for the TimeZone (in line 38?, for Asia/Bangkok)?
Further on that error in Line 67, I really don't know WHAT to do there?
Could some please tell me what's the right things to do?
Thanks a lot.


text:
If you ever had a pimple in your ear then you know how painful and uncomfortable it is. Pimples usually go away on their own but during this time, you'll struggle with the pain. However, there are some solutions that can speed up the healing process.
This pesky beauty problem usually occurs to teenagers and those who have oily skin. Ear pimples often become sore and inflamed and even if you want to squeeze them, they are hard to reach. But this doesn't mean that it's impossible to get rid of ear pimples. The following method will help you to get rid of an inflamed ear pimple and disinfect it properly.
First thing is to reduce inflammation:
You need: Black Tea
Wet a black tea bag with hot water. Place the tea bag over the pimple and cover with a hot, wet washcloth. The tannins combined with the heat will help reduce inflammation.
Other alternative to this solution is to apply warm compresses. Soak a clean cotton cloth in water and apply it over the inflamed pimples. Let the warm compress sit there for 10 minutes. Repeat this procedure several times a day.
The second step is to unclog pores and remove dead skin cells:
You need: Milk
Soak a cotton ball in milk, then squeeze it. Wipe the milk along the pimple. Let it sit for 10 minutes, then wash the area with lukewarm water. You can repeat 3-4 times a day.
Third step is to disinfect the pimple:
You need: Tea Tree Oil
Tea tree oil has antibacterial properties that can kill the pimple causing bacteria. It also helps speed up the healing process. Spread the tea tree oil mixture on the pimple with a cotton ball.
Important: tea tree oil is very strong and you have to dilute it before you use it: Use one part tea tree oil with nine parts water.
Fourth step is to reduce swelling:
You need: Aloe Vera Gel
Aloe vera has antibacterial properties that can help clear up pimples and reduce swelling. It's betetr to use the gel from the inside of an aloe vera leaf.
Apply the gel to the pimple and leave on for 20 minutes. Then rinse with lukewarm water. Repeat twice a day.
The last step is healing the pimple:
You need: Saline Solution
A saline solution can also help get rid of the pimple. Mix a teaspoon of Epsom salt with 1/2 cup of hot water, making sure the water dissolves. When the mixture has cooled some, use a cotton ball to spread the saline solution on the pimple. After it dries, rinse off. Repeat two to three times a day.


text:
"For there is no friend like a sister
In calm or stormy weather;
To cheer one on the tedious way,
To fetch one if one goes astray,
To lift one if one totters down"
—Christina Rossetti
"A sister is someone who knows everything about you and loves you anyway."
"If you don't understand how a woman could both love her sister dearly and want to wring her neck at the same time, then you were probably an only child."
This list is dedicated to my three sisters who are constantly annoying, and yet I love them no less for it. I also dedicate this to my two brothers, who've had to put up with me. Sorry about that..
Suggestions please!Read less


text:
Spolupráca 1999
Conferences and Seminars Organized by the Department:
- 6th International Workshop on Systems, Signals and Image Processing IWSSIP'99, June 1999
- 1st International Workshop TEMPUS TELEEDUCA, IWTT'99, February 1999
- 5th International Scientific Conference of the Fund of Jozef Murgaš for Telecommunications Joined with Competition, June 1999 (with Fund of J.Murgaš for Telecommunications, Lucent Technologies Slovakia s.r.o., Alcatel Slovakia s.r.o., SES, SIEMENS s.r.o., Ericsson Slovakia s.r.o., Globtel s.r.o. and MFF UK Bratislava)
- The Videoconference via ATM-WAN Network Slovak Republic - 25 Mbit/s (M-JPEG) among FEI STU Bratislava, TU Košice, ST Bratislava. Project for International Sympozium ATM TU Košice, February 1999
- elemedicine - distance diagnosing beetwen FEI STU in Bratislava and Hospital in Banská Bystrica via ATM – WAN Network Slovak Republic – 25 Mbit/s, ISDN, H.323.
- Coroscope image transfer and videoconference. Research Institute of Telecommunications in Banska Bystrica, Children's cardiology center in Bratislava, Institute of cardiovascular diseases in Bratislava, Roosevelt hospital in Banská Bystrica. Bratislava, May 1999
- ISDN Applications in Slovak Republic. ISDN Workshop. FEI STU (with ST Bratislava, ŽU Žilina, Siemens, Alcatel). Bratislava, June 1999
- ATM Applications in Practice. International ATM Workshop. FEI STU Bratislava (ATM Združenie, TU Košice), XI/1999
- IST Helsinki. The Presentation of Department of Telecommunications STU Bratislava in B-ISDN Services (ATM Technologies, Videoconferencing, Telemedicine Applications (Grafics and mpeg Video Prezentation). XI/1999, Helsinki
- Telecommunications'99, 5th International Science Conference, Cofax, April 1999, Bratislava (with Fund of J.Murgaš for Telecommunications, House of Technology USSTS, D&D Studio)
- 1st intensive course TEMPUS-TELEEDUCA, June 1999, Bratislava
- 2nd intensive course TEMPUS-TELEEDUCA, September 1999, Bratislava
Special Lectures
- 4th National Intensive Course for Teachers of Secondary Schools, 25 persons, January 1999 (with assistance of Methodical Center in Bratislava, Fund of Jozef Murgaš for Telecommunications and Telecommunication Users Group of Slovakia)
- 5th National Intensive Course for Teachers of Secondary Schools, 25 persons, June 1999 (with assistance of Methodical Center in Bratislava, Fund of Jozef Murgaš for Telecommunications and Telecommunication Users Group of Slovakia)
Training Centre of Slovak Telecom for Slovak Telecom:
- The Basics of Digital Technology, 2 weeks, October - November 1999
- Higher-Order Digital Hierarchies, 2 weeks, March - May 1999
- Basics of Digital Technology, April 1999
- Optical Communication Systems, 3 x 3 days, September - December 1999
- Higher-Order Digital Hierarchies, 2 x 1 week, October - November 1999
- xDSL Technologies, 2 x 1 day, April - May 1999
- Broadband switching, ATM and B-ISDN, 3 days, December 1999
- TMN basics, 2 days, December 1999
- Intelligent Network and Services, June 1999


text:
Note from Dan: The chorus after verse 4 is not original. The poem can be sung to the tune of Londonderry Air. That tune has been used for a wide variety of songs, including Danny Boy, and the beautiful hymn, I Cannot Tell.
• • •
When time was young, and glory filled the garden,
The man and wife refused their perfect place.
Yet in Your wrath, your mercy spoke a promise,
And clothed their sins in garments of your grace.
And I like them, have tasted fruit forbidden
And raised my fist against my Lord above.
Oh strip away the rags of my rebellion,
And clothe me with Thy Holy robe of love.
And on the Rock, you placed Your very presence
When streams of life flowed from the stricken stone
You bore Yourself the price of their rebellion
Their thirst to slake, their sin-guilt to atone.
Thirsty I come, to You the living water
And find a spring, abundant, clear and free
You quench my thirst with rivers of salvation
You save my soul with fountains of mercy.
You gave a day, a day of your atonement
When the High Priest would slay the sacrifice.
And all the sins were taken from your presence
You dwelt with men, by blood the only price.
Guilty I come, and tremble in Your presence
Yet see my guilt placed on a substitute!
I stand and praise my God and my redeemer
He sits and hears the worship He is due.
Then one dark day, the symbols found fulfillment
As all our sin was placed upon Your head
The Rock was struck, and blood came forth to cleanse us
Instead of death, Your tree brought life instead!
I will forever lift my eyes to Calvary,
to see the cross where Jesus died for me.
How marvelous the grace that caught my falling soul:
You looked beyond my faults and saw my needs.
For three dark days, the Seed in earth was buried
But breaking forth, that Seed gave birth to life
The firstfruit of that mighty, kingdom harvest
Which heals all hurts, and takes away all strife
I shall arise with Christ my risen Sovereign
And reign with Him through all eternity
What wondrous love, that makes our Judge our Father
Amazing grace, it reached as far as me
Amazing grace, it reached as far as me!


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Lennon Blouse- Berry Mauve
The Lennon Blouse is a tunic top. With a keyhole tie closure at the back, and a ruffle sleeve, it's detailing is feminine and sweet. Made from a gorgeous berry mauve cotton-linen blend. The gathered bodice flows down to a double hem. Pair it with any of your little's favorite jeans or bloomers for the perfect spring look!


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Skip to 0 minutes and 4 seconds PADDY UPTON: Peter Drucker is apparently the person who coined the phrase "culture eats strategy for breakfast," and I mostly agree. There are various models and frameworks to measure culture, one of which comes from the work of Harrison and Handy. They propose four different culture modes, namely power, role, achievement, and support, all of which exist in a dynamic balance within teams and all of which have positive and negative attributes. The first is power and often is the dominant culture when a team or organisation first starts out. The energy, drive, and decision comes from the leader. Its healthy manifestation is where the leader is strong, charismatic, and leads with courage and clarity.
Skip to 0 minutes and 46 seconds They're demanding yet fair, take care of their followers whilst rewarding and protecting particularly the loyal. This leader is wise and benevolent, acts unilaterally but in the interests of the team and its members. The negative manifestation of a power culture happens when people blindly and fearfully bow down to the leader even when they're leading the team in the wrong direction. People will cover up mistakes and keep bad news from the boss. An unhealthy leader will see to it that their friends and allies rise to power even if they're not competent, something fellow South Africans would all too regularly have witnessed under Jacob Zuma's presidency.
Skip to 1 minute and 24 seconds A role culture emerges as the organisation grows in size and especially when more people join who were not there in the beginning. In its healthy form, the role culture necessitates the organisation adding role clarity and job descriptions where any ineffectiveness, uncertainty, and confusion is reduced by establishing clear objectives, systems, and procedures. Job descriptions, key performance indicators, key responsibility areas become commonplace, and people are safe and are rewarded by meeting requirements. Power shifts from the leader to due process where rules and compliance limit the arbitrary use of power and where the need for individual decision making is reduced.
Skip to 2 minutes and 8 seconds The negative side is that people follow rules for the sake of following them, even when those rules get in the way of what actually needs to be done. Jobs are so tightly defined that there's little room for people to contribute their unique strengths and ideas. And everything needs so many levels of approval that they give up trying to make improvements. The rules and procedures become more important than people, who end up being treated as replaceable cogs in a machine.
Skip to 2 minutes and 35 seconds Once roles have been established and people know who needs to do what, the next stage in culture development is to focus on achievement where, in its healthy form, the common focus shifts from internal rules and procedures to competing for and striving towards achieving goals. People become free to do what's required to achieve success with rules and regulations no longer getting in the way of people doing what is best. People have greater self-esteem, are more self-regulating, have a greater sense of camaraderie and common goals, and thus are happy to work longer hours. Power is somewhat diffuse, being based on expertise rather than position or charisma.
Skip to 3 minutes and 17 seconds The negative side of too much of an achievement culture is that work takes precedence over people's needs, over their family, and social life. Unhealthy internal competition can arise between team members, especially where individual achievement is highly rewarded. A very successful achievement-oriented team can become overly self-admiring, which can see them becoming arrogant and overly competitive. And because dissent and criticism are stifled in this environment, the team can have difficulty correcting its own errors. As the achievement culture starts working against the team organisation, people naturally move to become more caring and supporter of one another both professionally and personally.
Skip to 4 minutes and 1 second In a support or people-oriented culture, harmony and well being is valued, where people go out of their way to cooperate, make sure that conflict is resolved, and that everyone is included and on board. Team members are treated as human beings rather than as resources. They appreciate and acknowledge each other's contributions. People in this culture feel a sense of belonging, and they like spending time together. The negative is that people can become more focused on relationships than on getting work done. People are so busy being kind and nice that they don't have the difficult conversations, which in turn causes conflict to fester under the surface.
Skip to 4 minutes and 41 seconds Where consensus cannot be reached, the group can become indecisive and lose direction, and changes can take too long to happen when not everyone is on board. Everyone gets the same reward despite unequal contribution, which can cause further frustration, particularly with the more ambitious. As the negative side of a support culture becomes too commonplace, the organisation's performance is likely to suffer, which will often result in a new leader being appointed. And the cycle can start from the beginning with a new leader reclaiming the power. As we've heard, these different cultures– power, role, achievement, and support– all have positive and negative manifestations.
Skip to 5 minutes and 23 seconds As organisations naturally ebb and flow, it's important to maintain the appropriate balance or dynamic tension between each of these dimensions. Most teams need some amount of decisive, focused, and strong leadership, good systems and structures to regulate who needs to do what, to have commitment and energy towards delivering high levels of success while still having a cooperative, caring, and supportive team environment. The leadership's role is to keep a healthy balance between these and to recognise and avert negatives before they have any discernible impact.
Skip to 5 minutes and 58 seconds This requires a leader to ideally have both good awareness and self-awareness to engage with team members in assessing what is required, which implies a person-centred approach and to realise that they do not need to be the all-powerful, all-knowing expert.
Developing team culture
Power, role, achievement and support: each has a place within the team and each has positives and negatives.
There are a number of frameworks available for coming to understand an organisation's culture: the one used here is based on four ideologies identified by Roger Harrison.
An organisation's ideology "affects the behaviour of its people, its ability to effectively meet their needs and demands, and the way it copes with the external environment" (Harrison, 1995, p. 150). The four ideologies are:
- power orientation
- role orientation
- task orientation
- person orientation
Harrison (1995) notes that much of the conflict surrounding change in an organisation is really an ideological struggle, and once this is recognised the points of conflict can be more easily understood.
This applies equally to teams, and so coming to understand which orientation is in operation in your team, or the organisation of which the team is part, will help you better understand the team's culture, how it develops and your role in the development of that culture.
Your task
What percentage of power, role, achievement and support are present within your team? Create a pie chart to represent this visually.
If you were to advance or consolidate your team how might you re-distribute these percentages? Create a second pie chart to visually represent this shift.
What is the action you can take as coach in this redistribution?
Handy, CB 1993, Understanding organizations : Charles B. Handy. 4th edn, Penguin, Harmondsworth, accessed from http://www.worldcat.org/oclc/314165449.
Harrison, R & Schein, EH 1995, 'Understanding Your Organization's Character', in The collected papers of Roger Harrison, McGraw-Hill developing organizations series, McGraw-Hill Book Company, London, pp. 149–164.
© Deakin University


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Powering Digital Distribution for Commercial P&C Insurance
Working with carriers and agents across the country to bring InsurTech solutions to the small business community
Working with carriers and agents across the country to bring InsurTech solutions to the small business community
Talage, Inc.
Privacy Policy
Last updated: April 10, 2020
You can see our previous Privacy Policies here.
This Privacy Policy (the "Privacy Policy") serves to inform you of our policies and procedures regarding the collection, use and disclosure of the information we receive when you access and use the website, including the websites created with our Wheelhouse Solutions (the "Site"), services, software, content, and all other products and services (all of the foregoing collectively, the "Services") owned, controlled or offered, directly or indirectly, by Talage, Inc. (together with its subsidiaries and affiliates, "Talage", "we," "our" or "us"). Talage believes that the privacy of its users is paramount and strives to use Personal Information (as defined below) only in ways outlined in this Privacy Policy. The Privacy Policy is incorporated by reference into our Terms of Service, currently available at https://talageins.com/terms-of-service (the "Terms of Service"). Any terms used herein and not defined will have the meanings given to them in the Terms of Service. By using the Services, you hereby warrant and represent that you have read, understand and agree to this Privacy Policy and the Terms of Service, that you are a resident of the United States and that you are over 18 years of age. PLEASE DO NOT USE, INSTALL OR ACCESS THE SERVICES IF YOU DO NOT AGREE TO THIS PRIVACY POLICY.
We also host and process information on behalf of our Wheelhouse Solutions users ("Wheelhouse Users"). This privacy policy only governs our relationship and the collection, use and sharing of information received from Wheelhouse Uses. If you are an end user of a site owned by a Wheelhouse User and want to know how they handle your information, you should review such Wheelhouse User's privacy policy.
1. What We Mean by Personal Information
For purposes of this Privacy Policy, "Personal Information" means any information from or about a person that either identifies that person directly or that makes that person identifiable when it is combined with other information from or about that person from any source.
2. Information We Collect
Information You Provide To Us
When you use the Services or otherwise communicate with us, we collect information that you provide to us directly. For example, we collect information in the following circumstances: you (i) visit the Site, (ii) register for the Services or create an account or profile or accept the creation of an account or profile on your behalf (an "Account"), (iii) access the Services through social networking sites or third party services, (iv) subscribe to newsletters; (v) browse, request a quote for, or purchase a product or service on the Site; (vi) invite your friends to join the Services, "share" the Services on social networking sites or perform other similar actions; (vii) request technical support; (viii) otherwise use our online Services where Personal Information is required for such use and/or participation, and (ix) when you contact us via the Site or when you otherwise communicate with us. You can choose not to provide information that is requested of you by us; however, this may limit your ability to use or access the Services.
The information you provide to us directly may include, without limitation, the following information that may, alone or in combination with other data, constitute Personal Information:
Moreover, if you contact us, a record of such correspondence may be kept.
Additionally, if another user refers you to us by providing us with your e-mail address, we may send you a message. However, we will use your e-mail address only to send such other user's message unless you otherwise affirmatively provide your information to us.
Automatically Collected Information
Most of the data we collect in and through the Site and the Services is technical in nature and is collected and processed automatically through so-called application programming interfaces, software development kits, cookies and similar software-based technologies. Alone or in combination with other data, such automatically collected data may constitute Personal Information. The data we may collect by automated means may include, without limitation:
Information You Share on Third Party Websites
The Services may include links to third party websites where you will be able to post comments, stories, reviews or other information. Your use of these third party websites may result in the collection or sharing of information about you by these third party websites. We encourage you to review the privacy policies and settings on the third party websites with which you interact to make sure you understand the information that may be collected, used, and shared by those third party websites.
How We Use Cookies and Other Technologies
Some of the features on the Site and the Services require the use of "cookies" - small text files that are stored on your device's hard drive. We use cookies to measure which pages are being accessed, and which features are most frequently used. This enables us to continuously improve the Site to meet the needs of our visitors.
The following sets out how we may use different categories of cookies and your options for managing cookie settings:
|Type of Cookies
|Managing Settings
|Required cookies
|Required cookies enable you to navigate the Site and use their features, such as accessing secure areas of the Site and using the Services. If you have chosen to identify yourself to us, we use cookies containing encrypted information to allow us to uniquely identify you. These cookies allow us to uniquely identify you when you are logged into the Site and to process your online transactions and requests.
|Because required cookies are essential to operate the Site, there is no option to opt out of these cookies.
|Performance cookies
|These cookies collect information about how you use our Sites, including which pages you go to most often and if they receive error messages from certain pages. These cookies do not collect information that individually identifies you. Information is only used to improve how the Site function and perform. From time-to-time, we may engage third parties to track and analyze usage and volume statistical information relating to individuals who visit the Site. We may also utilize Flash cookies for these purposes.
|To learn how to opt out of performance cookies using your browser settings, click here. To learn how to manage privacy and storage settings for Flash cookies, click here.
|Functionality cookies
|Functionality cookies allow our Sites to remember information you have entered or choices you make (such as your username, language, or your region) and provide enhanced, more personal features. These cookies also enable you to optimize your use of the Site after logging in. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customize. We may use local shared objects, also known as Flash cookies, to store your preferences or display content based upon what you view on the Site to personalize your visit.
|To learn how to opt out of functionality cookies using your browser settings, click here. To learn how to manage privacy and storage settings for Flash cookies, click here.
We and our service providers may also use "pixel tags," "web beacons," "clear GIFs," or similar means in connection with the Services and HTML-formatted email messages to, among other things, track the actions of users, to determine the success of marketing campaigns and to compile aggregate statistics about Site usage and response rates.
3. Use of Collected Information
We use the information you provide to us for the following purposes: (i) to further our legitimate interests in providing the Services, (ii) to administer your use of the Services and any Accounts you may have with us, (iii) to personalize your experience, (iv) to provide to you Service announcements or inform you of new releases and features, (v) to provide you with further information and offers from us or third parties that we believe you may find useful or interesting, such as newsletters, marketing or promotional materials, (vi) to perform tasks on behalf of and according to instructions of a third party, such as insurance agents or insurance companies, (vii) to enforce our Terms of Service, (viii) to resolve any disputes between users of the Site and us, or between end users of the Wheelhouse Solutions and us, (ix) comply with a legal requirement or process, including, but not limited to, civil and criminal subpoenas, court orders or other compulsory disclosures; (x) to further our legitimate interest in protecting our rights, property, or safety and the rights, property and safety of the Services, our users or the public, and (xi) to contact you to obtain feedback from you regarding the Site and the Services.
In addition to the purposes described above, we use the information collected automatically to (i) to further our legitimate interests in monitoring and analyzing the use of the Services and for the technical administration of the Site, (ii) improve the Site and the Services, (iii) generate and derive useful data and information concerning the interests, characteristics and website use behavior of our users, and (iv) verify that users of the Services meet the criteria required to process their requests.
4. Third Parties We Share Personal Information With
We may disclose Personal Information you provide to us or that we collect automatically on the Site and in and through the Services with the following categories of third parties:
5. Links to Other Websites
We frequently make content or services from other websites available to you from links located on the Site. We may present links in a format that enables us to keep track of whether these links have been followed. This Privacy Policy applies only to the Site and the Services. We do not exercise control over third party services or other websites that provide information. Your interactions with these third party services are governed by the privacy policy of the company providing it. These other sites and services may place their own cookies or other files on your computer's browser, collect data or solicit Personal Information from you. Other websites and services follow different rules regarding the use or disclosure of the Personal Information that you submit, and the collection and use of such information and access of any third party websites are subject to such third party's privacy policy. We encourage you to read the privacy policies and other terms of such third parties before using their services.
6. Security
We understand the importance of privacy and security of Personal Information to our users and have made them a priority. Talage uses a variety of industry-standard security technologies and procedures to help protect Personal Information about you from unauthorized access, use, or disclosure and trains Talage employees on privacy and security issues. However, we cannot guarantee that unauthorized third parties will never be able to overcome those measures or use your Personal Information for improper purposes, and we do not promise that Personal Information about you or private communications will be protected from unauthorized disclosure or use.
7. Do Not Track Signals and Similar Mechanisms
Talage does not track its customers over time and across third party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals. However, some third party sites do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you.
8. Managing Your Privacy
We keep your data on your behalf and for your benefit. You can correct or terminate your Account by following the instructions on the Services or by e-mail at firstname.lastname@example.com, which you may also access for further assistance and questions regarding the Privacy Policy or for a copy of your Account data. If you cancel your Account, Talage will limit its access to Personal Information to perform what is requested by you. We do not delete certain of your Personal Information upon termination or upon your request to delete your Account. Although your terminated status is reflected promptly in our user database, we may be required to retain certain Personal Information in order to comply with applicable state insurance laws. Once it is no longer necessary to retain such Personal Information for compliance reasons, Talage will delete the Personal Information as promptly as possible.
9. California Residents
California Civil Code Section 1798.83 requires certain businesses that share customer Personal Information with third parties for the third parties' direct marketing purposes to respond to requests from California customers asking about the businesses' practices related to such information-sharing. We currently do not share or disclose your Personal Information to third parties for the third parties' direct marketing purposes. If we change our practices in the future, we will implement an opt-out policy as required under California laws.
Furthermore, subject to certain exemptions, California residents have the following rights with respect to Personal Information we may have collected about them:
Requests to Know
You have the right to request that we disclose:
You may submit a request to know via https://talageins.com/request-for-information. The delivery of our response may take place electronically or by mail. We are not required to respond to requests to know more than twice in a 12-month period.
We do not sell, and have not in the prior 12 months sold, Personal Information about California residents. Therefore, we have not included a "Do Not Sell My Personal Info" link on our Site. If our practices change, we will update this Privacy Policy and take any other necessary action to comply with applicable law. We do, however, disclose Personal Information for business purposes as described in the "Third Parties We Share Personal Information With" section above.
Requests to Delete
You have the right to request that we delete any Personal Information about you that we have collected. Upon receiving a verified request to delete Personal Information, we will do so unless otherwise required or authorized by law. You may submit a request to delete Personal Information via https://talageins.com/request-to-delete.
Authorized Agents
You may designate an authorized agent to make requests on your behalf. You must provide an authorized agent written permission to submit a request on your behalf, and we may require that you verify your identity directly with us. Alternatively, an authorized agent that has been provided power of attorney pursuant to Probate Code sections 4000-4465 may submit a request on your behalf.
Methods for Submitting Consumer Requests and Our Response to Requests
You may submit a request for access and requests to delete Personal Information about you via:
Upon receipt of a request, we may ask you for additional information to verify your identity. Any additional information you provide will be used only to verify your identity and not for any other purpose.
We will acknowledge the receipt of your request within [10 days] of receipt. Subject to our ability to verify your identity, we will respond to your request within 45 days of receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. In order to protect your privacy and the security of Personal Information about you, we may need to verify your identity before processing your request. In some cases we may need to collect additional information to verify your identity, such as a government issued ID.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
The Right to Non-Discrimination
You have the right not to be discriminated against for the exercise of your California privacy rights described above. Unless permitted by the CCPA, we will not:
10. Nevada Residents
Nevada residents may submit a request directing us to not sell Personal Information we maintain about them. To exercise this right, email us at firstname.lastname@example.com with the subject line "Nevada: Request to Opt-Out."
11. End Users' Personal Information
Our Wheelhouse Users who have created a site using our Wheelhouse Solutions are responsible for what they do with the Personal Information they collect, directly or through Talage or our Wheelhouse Solutions, about their end users. You are solely responsible for legal and regulatory compliance for the collection and use of your end users' information, including Personal Information you collect about them from us or using the Platform functionality, the Wheelhouse Solutions, cookies or similar technologies. You must publish and ensure compliance with your own privacy policy. We are not liable for your relationship with your end users or how you collect and use personal information about them.
12. Data Retention
We keep Personal Information related to your Account for as long as it is needed to fulfill the purposes for which it was collected, to provide our services, to deal with possible legal claims, to comply with our business interests and/or to abide by all applicable laws. Thereafter, we either delete Personal Information about you or de-identify it. Please note that even if you request the deletion of Personal Information about you, we may be required (by law or otherwise) to retain the Personal Information and not delete it. However, once those requirements are removed, we will delete Personal Information about you in accordance with your request.
13. Changes to the Privacy Policy
Our security and Privacy Policy are periodically reviewed and enhanced as necessary. This Privacy Policy might change as we update and expand the Services. You can tell when this Privacy Policy was last updated by reviewing the Last Updated-legend on top of this page. We will endeavor to notify you of these changes by email, but will not be liable for any failure to do so. We also encourage you to review this Privacy Policy periodically. If you do not understand any of the terms or conditions of any of our policies, you may inquire regarding the same via email at email@example.com Your continued use of the Services after any change in this Privacy Policy will constitute your acceptance of such change.
14. Contacting Us
If you have any concerns or questions about this Privacy Policy, please contact us at email@example.com.
Talage, Inc.
Terms of Service
Last updated: April 10, 2020
You can see our previous Terms of Service here.
These Terms of Service constitute a legally binding agreement between you and Talage, Inc. (together with its affiliates, "Talage", "we," "our" or "us") governing your use of our products, services, and website (the "Site" and collectively with the foregoing, the "Services").
YOU ACKNOWLEDGE AND AGREE THAT, BY CLICKING ON THE "I AGREE" OR SIMILAR BUTTON, REGISTERING FOR AN ACCOUNT OR ACCESSING OR USING THE SERVICES, YOU ARE INDICATING THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE, WHETHER OR NOT YOU HAVE REGISTERED WITH THE SITE. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE, THEN YOU HAVE NO RIGHT TO ACCESS OR USE THE SERVICES. These Terms of Service are effective as of the date you first click "I agree" (or similar button or checkbox) or use or access the Services, whichever is earlier. If you accept or agree to these Terms of Service on behalf of your employer or another legal entity, you represent and warrant that (i) you have full legal authority to bind your employer or such entity to these Terms of Services; (ii) you have read and understand these Terms of Service; and (iii) you agree to these Terms of Service on behalf of the party that you represent. In such event, "you" and "your" will refer and apply to your employer or such other legal entity.
Any personal data you submit to the us or which we collect about you is governed by our Privacy Policy ("Privacy Policy"), available at https://talageins.com/privacy-policy. You acknowledge that by using the Services, you have reviewed the Privacy Policy. The Privacy Policy is incorporated by reference into these Terms of Service and together form and are hereinafter referred to as this "Agreement."
1. Our Services
Talage is a full-service digital insurance distribution platform (the "Platform") with a focus on commercial, property and casualty insurance for small businesses. We leverage direct integrations with insurance carrier underwriting platforms to allow small business owners to compare various quotes and access multiple lines of coverage from a single application. Policies can be reviewed and purchased from insurance carriers instantly through our Platform.
With our Wheelhouse offerings and solutions (the "Wheelhouse Solutions"), independent insurance agents can create a customized front-end experience similar to the Platform for their small business customers.
2. Account, Password and Security
In order to use the Services, you may be required to provide certain information, including without limitation your name, company name, phone number and email address. Certain parts of the Services will also require you to create an account (an "Account") and as part of that process you will be requested to provide additional information, such as full address and certain information about your company. By using the Services, you agree to provide true, accurate, current and complete information as prompted by the registration process and to maintain and promptly update the Account information to keep it accurate, current and complete. You are the sole authorized user of your Account. You are responsible for maintaining the confidentiality of any log-in, password, and Account number provided by you or given to you by Talage for accessing the Services. You are solely and fully responsible for all activities that occur under your password or Account, even if not authorized by you. Talage has no control over the use of any user's Account and expressly disclaims any liability derived therefrom. Should you suspect that any unauthorized party may be using your password or Account or you suspect any other breach of security, you agree to contact Talage immediately.
The person signing up for the Services will be the contracting party ("Account Owner") for the purposes of these Terms of Service and will be the person who is authorized to use any corresponding Account we provide to the Account Owner in connection with the Services; provided, however, that if you are signing up for the Services on behalf of your employer, your employer shall be the Account Owner. As the Account Owner, you are solely responsible for complying with these Terms of Service and only you are entitled to all benefits accruing thereto. Your Account is not transferable to any other person or account. You must immediately notify us of any unauthorized use of your password or identification or any other breach or threatened breach of our security or the security of your Account.
3. Billing and Payment
The pricing and payment terms applicable to the Services you purchase will be displayed in your Account or governed by the purchase order or agreement as may be entered into between you and Talage. 4. User Generated Content "User Generated Content" is defined as any content, information, and materials that may be textual, audio, or visual that you provide, submit, upload, publish, or make otherwise available to the Services and our users. You are solely responsible for User Generated Content, and we act merely as a passive conduit for your online distribution and publication of your User Generated Content. You acknowledge and agree that Talage:
You hereby represent and warrant to Talage that your User Generated Content (i) will not be false, inaccurate, incomplete or misleading; (ii) will not infringe on any third party's copyright, patent, trademark, trade secret or other proprietary right or rights of publicity, personality or privacy; (iii) will not violate any law, statute, ordinance, or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination, false advertising, anti-spam or privacy); (iv) will not be defamatory, libelous, unlawfully threatening, or unlawfully harassing; (v) will not be obscene or contain pornography (including but not limited to child pornography) or be harmful to minors; (vi) will not contain any viruses, Trojan Horses, worms, time bombs, cancelbots or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information; (vii) will not represent you being employed or directly engaged by or affiliated with Talage or purport you to act as a representative or agent of Talage; and (viii) will not create liability for Talage or cause Talage to lose (in whole or in part) the services of its ISPs or other suppliers.
By making available any User Generated Content through the Services, you hereby grant to Talage a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free license, with the right to sublicense, to use, access, view, copy, adapt, modify, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast and otherwise exploit such User Generated Content on, through or by means of the Services. We do not claim any ownership rights in any such User Generated Content and nothing in this Agreement will be deemed to restrict any rights that you may have to use and exploit any such User Generated Content.
5. Representations and Warranties
You represent and warrant that: (i) you are 18 years of age or older or are at least of the legally required age in the jurisdiction in which you reside, and are otherwise capable of entering into binding contracts, and (ii) you have the right, authority and capacity to enter into this Agreement and to abide by the terms and conditions of this Agreement, and that you will so abide. Where you enter into this Agreement on behalf of a company or other organization, you represent and warrant that you have authority to act on behalf of that entity and to bind that entity to this Agreement.
You further represent and warrant that (i) you have read, understand, and agree to be bound by these Terms of Service and the Privacy Policy in order to access and use the Services and (ii) when using or accessing the Services, you will act in accordance with any applicable local, state, or federal law or custom and in good faith.
You agree not to engage in any of the following prohibited activities, among others: (i) copying, distributing, or disclosing any part of the Services in any medium other than as allowed by the Services and these Terms of Service; (ii) using any automated system (other than any functionalities of the Services), including without limitation "robots," "spiders," "offline readers," etc., to access the Services; (iii) transmitting spam, chain letters, or other unsolicited email or attempting to phish, pharm, pretext, spider, crawl, or scrape; (iv) attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Services; (v) violating any international, federal, provincial or state regulations, rules, laws, or local ordinances; (vi) conducting any unlawful purposes or soliciting others to perform or participate in any unlawful acts; (vii) uploading invalid data, viruses, worms, or other software agents through the Services; (viii) infringing upon or violate our intellectual property rights or the intellectual property rights of others; (ix) impersonating another person or otherwise misrepresenting your affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity; (x) harassing, insulting, harming, abusing, defaming, abusing, harassing, stalking, threatening, intimidating or otherwise violating the legal rights (such as of privacy and publicity) of any other users or visitors of the Services or staff member of Talage; (xi) interfering with or any activity that threatens the performance, security or proper functioning of the Services; (xii) uploading or transmitting viruses or any other type of malicious code; (xiii) attempting to decipher, decompile, disassemble or reverse engineer any of the software or algorithms used to provide the Services; (xiv) bypassing the security features or measures we may use to prevent or restrict access to the Services, including without limitation features that prevent or restrict use or copying of any content or enforce limitations on use of the Services or the content therein; (xv) attempting to access unauthorized Accounts or to collect or track the personal information of others; (xvi) using the Services for any purpose or in any manner that infringes the rights of any third party; or (xvii) encouraging or enabling any other individual to do any of the foregoing.
You hereby warrant and represent that, other than as fully and promptly disclosed to Talage as set forth below, you do not have any motivation, status, or interest which Talage may reasonably wish to know about in connection with the Services, including without limitation, if you are using or will or intend to use the Services for any journalistic, investigative, or unlawful purpose. You hereby warrant and represent that you will promptly disclose to Talage in writing any such motivation, status or interest, whether existing prior to registration or as arises during your use of the Services.
6. Termination and Suspension
Unless otherwise agreed to in writing between you and Talage, either party may terminate these Terms of Service for any or no cause, at any time. You may cancel and delete your Account at any time by either using the features on the Services to do so (if applicable and available) or by written notice to email@example.com. After cancellation, you will no longer have access to your Account, your profile or any other information through the Services. The provisions of these Terms of Service which by their intent or meaning intended to survive such termination, including without limitation the provisions relating to disclaimer of warranties, limitations of liability, and indemnification, shall survive the any termination of these Terms of Service and any termination of your use of or subscription to the Services and shall continue to apply indefinitely.
We reserve the right to refuse the Services to anyone for any reason at any time. Talage may terminate or limit your right to use the Services in the event that we are investigating or believe that you have breached any provision of this Agreement, by providing you with written or email notice. Such termination or limitation will be effective immediately upon delivery of such notice. If Talage terminates or limits your right to use the Services pursuant to this section, you are prohibited from registering and creating a new Account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.
Even after your right to use the Services is terminated or limited, this Agreement will remain enforceable against you. Talage reserves the right to take appropriate legal action, including but not limited to pursuing arbitration in accordance with Section 13 of these Terms of Service.
Talage reserves the right to modify or discontinue, temporarily or permanently, all or any portion of the Services at its sole discretion. Talage is not liable to you for any modification or discontinuance of all or any portion of the Services. Talage has the right to restrict anyone from completing registration as a user if Talage believes such person may threaten the safety and integrity of the Services, or if, in Talage's discretion, such restriction is necessary to address any other reasonable business concern.
Following the termination or cancellation of your Account, we reserve the right to delete all your data, including any User Generated Content, in the normal course of operation. Your data cannot be recovered once your Account is terminated or cancelled.
7. Links to Third-Party Websites
The Services may contain links (such as hyperlinks) to third-party websites. Such links do not constitute endorsement by Talage or association with those websites, their content or their operators. Such links (including without limitation external websites that are framed by the Services as well as any advertisements displayed in connection therewith) are provided as an information service, for reference and convenience only. Talage does not control any such websites, and is not responsible for their (i) availability or accuracy, or (ii) content, advertising, products, or services. It is your responsibility to evaluate the content and usefulness of the information obtained from other websites. You acknowledge and agree that Talage is not involved in the creation or development of third-party websites and disclaims any responsibility for third-party websites, and cannot be liable for claims arising out of or relating to third-party websites. Further, you acknowledge and agree that Talage has no obligation to monitor, review, or remove links to third-party websites, but reserves the right to limit or remove links to third-party websites on the Services at its sole discretion.
The use of any website controlled, owned or operated by third parties is governed by the terms and conditions of use and privacy policies for those websites. You access such third-party websites at your own risk. Talage expressly disclaims any liability arising in connection with your use and/or viewing of any websites or other material associated with links that may appear on the Services. You hereby agree to hold Talage harmless from any liability that may result from the use of links that may appear on the Services.
8. Intellectual Property Rights
All text, graphics, editorial content, data, formatting, graphs, designs, HTML, look and feel, photographs, music, sounds, images, software, videos, designs, trademarks, logos, typefaces and other content (collectively "Proprietary Material") that users see or read through the Services is owned by Talage, excluding User Generated Content, which users hereby grant Talage a license to use. Proprietary Material is protected in all forms, media and technologies now known or hereinafter developed. Talage owns all Proprietary Material, as well as the coordination, selection, arrangement and enhancement of such Proprietary Materials as a Collective Work under the United States Copyright Act, as amended. The Proprietary Material is protected by the domestic and international laws governing copyright, patents, and other proprietary rights. You may not copy, download, use, redesign, reconfigure, or retransmit anything from the Services without Talage's express prior written consent and, if applicable, the holder of the rights to the User Generated Content.
Any use of such Proprietary Material, other than as permitted therein, is expressly prohibited without the prior permission of Talage and, if applicable, the holder of the rights to the User Generated Content.
The service marks and trademarks of Talage, including without limitation Talage, Wheelhouse, Talage logos and Wheelhouse logos, are service marks owned by Talage. Any other trademarks, service marks, logos and/or trade names appearing via the Services are the property of their respective owners. You may not copy or use any of these marks, logos or trade names without the express prior written consent of the owner.
Additionally, you may choose to or we may invite you to submit comments, ideas, or feedback about the Services, including without limitation about how to improve our services or our products ("Feedback"). By submitting any Feedback, you agree that your disclosure is gratuitous, unsolicited, and without restriction and will not place Talage under any fiduciary or other obligation, and that we are free to use the Feedback without any additional compensation to you, and/or to disclose the Feedback on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, Talage does not waive any rights to use similar or related Feedback previously known to Talage, developed by its employees, or obtained from sources other than you. You acknowledge that all email and other correspondence that you submit to us shall become our sole and exclusive property.
9. Copyright Complaints and Copyright Agent
Talage respects the intellectual property of others, and expects users to do the same. If you believe, in good faith, that any materials provided on or in connection with the Services infringe upon your copyright or other intellectual property right, please send the following information to Talage's Copyright Agent at firstname.lastname@example.com:
10. Confidential Information
You acknowledge that Confidential Information (as defined below) is a valuable, special and unique asset of Talage and agree that you will not disclose, transfer, use (or seek to induce others to disclose, transfer or use) any Confidential Information for any purpose other than using the Services in accordance with these Terms of Service. If relevant, you may disclose the Confidential Information to your authorized employees and agents provided that they are also bound to maintain the confidentiality of Confidential Information. You shall promptly notify Talage in writing of any circumstances that may constitute unauthorized disclosure, transfer, or use of Confidential Information. You shall use best efforts to protect Confidential Information from unauthorized disclosure, transfer or use. You shall return all originals and any copies of any and all materials containing Confidential Information to Talage upon termination of this Agreement for any reason whatsoever.
The term "Confidential Information" shall mean any and all of Talage's trade secrets, confidential and proprietary information, and all other information and data of Talage that is not generally known to the public or other third parties who could derive value, economic or otherwise, from its use or disclosure. Confidential Information shall be deemed to include technical data, know-how, research, product plans, products, services, customers, markets, software, developments, inventions, processes, formulas, technology, designs, drawings, engineering, hardware configuration information, marketing, finances, strategic and other proprietary and confidential information relating to Talage or Talage's business, operations or properties, including information about Talage's staff, users or partners, or other business information disclosed directly or indirectly in writing, orally or by drawings or observation.
11. Disclaimer of Warranties
12. Indemnification
You hereby agree to indemnify, defend, and hold harmless Talage and Affiliates, and their attorneys, insurers, providers, successors and assigns (the "Indemnified Parties") from and against any and all Liabilities incurred in connection with (i) your use or inability to use the Services, or (ii) your breach or violation of this Agreement; (iii) your violation of any law, or the rights of any user or third party and (iv) any content submitted by you or using your Account to the Services, including, but not limited to the extent such content may infringe on the intellectual rights of a third party or otherwise be illegal or unlawful. You also agree to indemnify the Indemnified Parties for any Liabilities resulting from your use of software robots, spiders, crawlers, or similar data gathering and extraction tools, or any other action you take that imposes an unreasonable burden or loan on our infrastructure. Talage reserves the right, in its own sole discretion, to assume the exclusive defense and control at its own expense of any matter otherwise subject to your indemnification. You will not, in any event, settle any claim or matter without the prior written consent of Talage.
13. Dispute Resolution – Arbitration & Class Action Waiver
You agree that, in the event any dispute or claim arises out of or relating to your use of the Services, you will contact us at email@example.com and you and Talage will attempt in good faith to negotiate a written resolution of the matter directly. You agree that if the matter remains unresolved for 30 days after notification (via certified mail or personal delivery), such matter will be deemed a "Dispute" as defined below. Except for the right to seek injunctive or other equitable relief described under the "Binding Arbitration" section below, should you file any arbitration claims, or any administrative or legal actions without first having attempted to resolve the matter by mediation, then you agree that you will not be entitled to recover attorneys' fees, even if you may have been entitled to them otherwise.
Binding Arbitration. You and Talage agree that any dispute, claim or controversy arising out of or relating to this Agreement or to your use of the Services (collectively "Disputes") will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights. This means that you and Talage both agree to waive the right to a trial by jury. Notwithstanding the foregoing, you may bring a claim against Talage in "small claims" court, instead of by arbitration, but only if the claim is eligible under the rules of the small claims court and is brought in an individual, non-class, and non-representative basis, and only for so long as it remains in the small claims court and in an individual, non-class, and non-representative basis.
Class Action Waiver. You and Talage agree that any proceedings to resolve Disputes will be conducted on an individual basis and not in a class, consolidated, or representative action. This means that you and Talage both agree to waive the right to participate as a plaintiff as a class member in any class action proceeding. Further, unless you and Talage agree otherwise in writing, the arbitrator in any Dispute may not consolidate more than one person's claims and may not preside over any form of class action proceeding.
Arbitration Administration and Rules. The arbitration will be administered by the American Arbitration Association ("AAA") in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the "AAA Rules") then in effect, except as modified by this "Dispute Resolution" section. (The AAA Rules are available at https://www.adr.org or by calling the AAA at 1-800-778-7879).
Arbitration Process. A party who desires to initiate the arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. The arbitrator will be either a retired judge or an attorney licensed to practice law in the state of Nevada and will be selected by the parties from the AAA's roster of arbitrators with relevant experience. If the parties are unable to agree upon an arbitrator within seven days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with AAA Rules.
Arbitration Location and Procedure. Unless you and Talage agree otherwise, the seat of the arbitration shall be in Reno, Nevada. If your claim does not exceed USD$10,000, then the arbitration will be conducted solely on the basis of documents you and Talage submit to the arbitrator, unless you request a hearing and the arbitrator then determines that a hearing is necessary. If your claim exceeds USD$10,000, your right to a hearing will be determined by AAA Rules. Subject to AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration. Hearings may be conducted by telephone or video conference, if requested and agreed to by the parties.
Arbitrator's Decision and Governing Law. The arbitrator shall apply Nevada law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized by law. The arbitrator will render an award within the timeframe specified in the AAA Rules. Judgment on the arbitration may be entered in any court having jurisdiction thereof. Any award of damages by an arbitrator must be consistent with the "Disclaimers and Limitations of Liability" section above. The arbitrator may award declaratory or injunctive relief in favor of the claimant only to the extent necessary to provide relief warranted by the claimant's individual claim.
Fees. Each party's responsibility to pay the arbitration filing, administrative and arbitrator fees will depend on the circumstances of the arbitration and are set forth in the AAA Rules.
14. Governing Law
Except as provided in Section 13 or expressly provided in writing otherwise, this Agreement and your use of the Services will be governed by, and will be construed under, the laws of the State of Nevada, without regard to choice of law principles. This choice of law provision is only intended to specify the use of Nevada law to interpret this Agreement.
15. No Agency; No Employment
No agency, partnership, joint venture, employer-employee or franchiser-franchisee relationship is intended or created by this Agreement.
16. General Provisions
Failure by Talage to enforce any provision(s) of this Agreement will not be construed as a waiver of any provision or right. This Agreement constitutes the complete and exclusive agreement between you and Talage with respect to its subject matter, and supersedes and governs any and all prior agreements or communications. The provisions of this Agreement are intended to be interpreted in a manner which makes them valid, legal, and enforceable. Except for the "Class Action Waiver" in Section 13, in the event any provision is found to be partially or wholly invalid, illegal or unenforceable, (i) such provision shall be modified or restructured to the extent and in the manner necessary to render it valid, legal, and enforceable or, (ii) if such provision cannot be so modified or restructured, it shall be excised from the Agreement without affecting the validity, legality or enforceability of any of the remaining provisions. This Agreement may not be assigned or transferred by you without our prior written approval. We may assign or transfer this Agreement without your consent, including but not limited to assignments: (1) to a parent or subsidiary, (2) to an acquirer of assets, or (3) to any other successor or acquirer. Any assignment in violation of this section shall be null and void. This Agreement will inure to the benefit of Talage, its successors and assigns.
17. Changes to this Agreement and the Services
Talage reserves the right, at its sole and absolute discretion, to change, modify, add to, supplement, suspend, discontinue, or delete any of the terms and conditions of this Agreement (including these Terms of Service and Privacy Policy) and review, improve, modify or discontinue, temporarily or permanently, the Services or any content or information through the Services at any time, effective with or without prior notice and without any liability to Talage. Talage will endeavor to notify you of material changes by email, but will not be liable for any failure to do so. If any future changes to this Agreement are unacceptable to you or cause you to no longer be in compliance with this Agreement, you must terminate, and immediately stop using, the Services. Your continued use of the Services following any revision to this Agreement constitutes your complete and irrevocable acceptance of any and all such changes. Talage may also impose limits on certain features or restrict your access to part or all of the Services without notice or liability.
18. No Rights of Third Parties
None of the terms of this Agreement are enforceable by any persons who are not a party to this Agreement.
19. Notices and Consent to Receive Notices Electronically
You consent to receive any agreements, notices, disclosures and other communications (collectively, "Notices") to which this Agreement refers electronically including without limitation by e-mail or by posting Notices on this Site. You agree that all Notices that we provide to you electronically satisfy any legal requirement that such communications be in writing. Unless otherwise specified in this Agreement, all notices under this Agreement will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or email; or the day after it is sent, if sent for next day delivery by a recognized overnight delivery service.
20. Contacting Us
If you have any questions about these Terms of Service or about the Services, please contact us by email at email@example.com or by mail to Talage, Inc., PO Box 12332, Reno, NV 89510.