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spec: Overall , ETFs may be attractive to investors with large , infrequent lump sum deposits ( e.g ., 401 ( k ) plan rollover funds ) . And we do n't all agree on what to do about all the factors . What are the implications of the possible outcomes ? Allen also suggests that all health-care professionals educate bypass patients about the need to reduce risk factors . He also cautions parents about leaving out open liquor bottles and urges that they be stored out of a child 's reach . The reason for the different workings of the `` healthy worker effect '' in minorities as compared with Caucasians must be explained . It pays survivor benefits to women whose husbands die or become disabled during their working years , helping them meet the cost of raising children . Projects may include business start-ups , business expansions , development of new products and services , and other newly-undertaken physical and commercial activities . There 's always an additional cost ; you can put it wherever you want , but you ca not get rid of it . " I have every confidence that soon the free-market revolution and the technological revolution will bypass the government-monopoly schools , and we 'll see technology revolutionizing the delivery of education . If we meet this high demand , we will be able to help schools that teach 40 million American children . Over the full 75-year projection period , substantially greater changes in income and / or outlays are needed , in large part as a result of the impending retirement of the baby boom generation ( HI Trustees ? " Previous studies had implicated excessive exposure to UV-B radiation in actinic keratitis , an inflammation of the cornea - - the transparent , slightly curved tissue that focuses light entering the eye - - also called snow blindness . Foreign investing gives you additional options to diversify your holdings by adding geographic and performance diversity to your U.S. investments . PBX integration involves direct computer control of a PBX switching system . At the same time other economies in Europe , especially that of Britain , were in recession and not prepared for interest-rate hikes dictated by Germany . Projects include constructing a timeline of brain development using activities appropriate for each age . He also planned 35 medical conferences that were held in 17 counties over the last six years and initiated seven managed-care contracts with foreign governments . But you might argue that staying with the cello only makes sense if you will really find it rewarding in the long term , and the fact that you do not find it rewarding after sixteen years of playing is powerful evidence that you will not find it rewarding in the long term . However , among low income women , it had a significant effect on excessive gestational weight gain . Congress needs to step to the plate and provide specific funding for this program that we all feel is important for rural and low-income regions . When we need to use them , the Treasury Bonds will be cashed . But more recently the status of the minister in the Negro community has been on the decline while other professions have grown in power . This alternative would achieve only 50 % of the potential safety of the proposed rule . " Harris and Barraclough conclude that their examination of 63 medical disorders shows that those illnesses with a heightened risk of suicide are also those that have known associations with mental disorders or substance abuse . Most carve-out proposals would limit workers to just a few investment choices to try to keep administrative costs down . In addition , the application guide provides general instructions for filling out the application forms .