Hydraulic Fracturing What is fracking Hydraulic fracturing or fracking as it is more commonly known is just one small method of the broader process of unconventional development of oil and natural gas Fracking is a proven drilling technology used for extracting oil natural gas geothermal energy or water from deep underground Fracking has been safely used in the United States since 1947 More than 17 million US wells have been completed using the fracking process producing more than seven billion barrels of oil and 600 trillion cubic feet of natural gas Put simply hydraulic fracturing is the process of injecting liquid and materials at high pressure to create small fractures within tight shale formations to stimulate the production and safely extract energy from an underground well after the drilling has ended and the rig and derrick are removed from the site The process takes about three to five days on average to complete from start to finish Once the fracturing operation is finished the well is considered completed and is now ready to safely produce American oil or natural gas for years even decades to come Fracking is a uniquely American success story that has provided immense benefits around the nation By safely unlocking Americas abundant natural resources fracking has created millions of American jobs reduced energy prices brought cleaner air by significantly reducing US greenhouse gas emissions to 25yearlows strengthened our national security and transformed the United States into a global energy superpower Your browser does not currently recognize any of the video formats available Click here to visit our frequently asked questions about HTML5 video Facts About Fracking How has fracking impacted US oil and natural gas production In roughly a decades time advances in fracking technology have reversed the United States trajectory from that of energy scarcity to being the undisputed leader of oil and gas production worldwide according to International Energy Agency Executive Director Fatih Birol From 2007 to 2016 annual US oil production increased 75 percent while natural gas production increased 39 percent thanks to the advancements in horizontal drilling and fracking technology How many American jobs has fracking created Millions A 2015 Harvard Business SchoolBoston Consulting Group analysis estimates that shale development created roughly 27 million US jobs in the first decade of the shale revolution A 2013 study commissioned by the US Chamber of Commerce projected fracking will create a total of 35 million US jobs by 2035 A separate 2017 American Petroleum Institute API report found that the oil and natural gas industry supports 103 million jobs in the US a 500000 increase since 2011 and projects the industry will support an additional 19 million jobs by 2035 Is fracking a threat to public health No In fact there is ample evidence that increased natural gas use made possible by fracking has improved public health by dramatically improving air quality in recent years This is not to say there are no risks but the full body of research on this issue shows that those risks are manageable Several state departments of environmental protection have also installed air monitors at well sites and found that emissions during oil and natural gas development do not exceed public health thresholds For example the Colorado Department of Public Health and the Environment released a 2017 report that found a low risk of harmful health effects from combined exposure to all substances during oil and gas development In contrast many of the most headlinegrabbing studies linking fracking to health issues have been plagued by questionable methodologies and contradictory results Visit EIDHealthorg for more information Does fracking threaten groundwater No And you dont have to take our word for it No fewer than two dozen scientific studies have concluded that fracking does not pose a major threat to groundwater Most notably a landmark 2016 US Environmental Protection Agency study concluded that Hydraulic fracturing operations are unlikely to generate sufficient pressure to drive fluids into shallow drinking water zones The EPA reached this conclusion even after expanding the definition of fracking to include a wide range of other oilfield activities demonstrating the safety of the entire development process Does fracking cause earthquakes Very rarely Although induced seismicity particularly in Oklahoma has made headlines in recent years earthquakes attributable to the actual fracking process are exceedingly rare and generally below the magnitude that people can actually feel Induced earthquakes are more commonly linked to wastewater injection a completely separate process from fracking The US Geological Survey maintains a useful myths and misconceptions page regarding induced seismicity According to the USGS Fracking is NOT causing most of the induced earthquakes The USGS also notes Wastewater disposal is the primary cause of the recent increase in earthquakes in the central United States BLM Hydraulic Fracturing Rule The Obama administrations Bureau of Land Management BLM released on March 20 2015 its final rule regulating hydraulic fracturing activities on federal and Indian lands As it was written this precedentsetting regulation would be difficult and costly for small and mediumsized businesses to comply with and would likely discourage US investment and job creation in the West IPAA and Western Energy Alliance immediately challenged the BLM hydraulic fracturing rule in the US District Court of Wyoming characterizing the federal governments rulemaking as unsubstantiated and duplicative of states efforts to effectively regulate hydraulic fracturing operations Soon after the states of Colorado Wyoming North Dakota and Utah and the Ute Indian Tribe joined the legal challenge States have successfully regulated more than 12 million hydraulic fracturing operations for 70 years and many states have recently strengthened their regulations as production has increased and technology has improved The 2015 nationwide fracking rule is unnecessary and would add another layer of burden for Americas independent oil and natural On September 30 2015 a judge for the US District Court of Wyoming granted IPAA and Western Energy Alliances motion for a preliminary injunction of the rule stating Congress has not authorized or delegated to the BLM authority to regulate hydraulic fracturing and under our constitutional structure it is only through Congressional action that the BLM can acquire this authority On June 21 2016 shortly after the preliminary injunction appeal case was fully briefed the District Court judge struck down the BLM final rule The judge agreed with industry that BLM does not have the congressional authority to regulate hydraulic fracturing on federal lands As expected the Obama administration and environmental parties on June 30 2016 filed an appeal to the District Courts ruling with the US Tenth Circuit Court of Appeals In September 2017 the Tenth Circuit Court dismissed the case protecting producers from the business uncertainty of having to potentially comply with a regulation that is certain to be rewritten by the Trump administration On December 29 2017 President Trumps BLM published a repeal of the Obamaera hydraulic fracturing rule which took immediate effect and ended the Tenth Circuit Court appellate case On January 28 2018 the state of California as well as the Sierra Club sued the BLM over the repeal of the 2015 rule in the US District Court for the Northern District of California IPAA and Western Energy Alliance have filed for intervention on behalf of the federal government as well as filed a motion for venue transfer back to Wyoming Read the Frequently Asked Questions on the 2015 BLM hydraulic fracturing rule Scientific Studies More than 25 scientific peerreviewed studies and expert assessments have concluded that hydraulic fracturing is not a major threat to groundwater In fact many studies have examined groundwater pollution and specifically ruled out fracking as the cause View the links below to learn more about each scientific study Pennsylvania State University 2018 Water quality improves Impacts rare near shale gas wells The most interesting thing we discovered was the groundwater chemistry in one of the areas most heavily developed for shale gas an area with 1400 new gas wells does not appear to be getting worse with time and may even be getting better University of Cincinnati 2018 No evidence of drinking water contamination from fracking We found no relationship between CH4 concentration or source in groundwater and proximity to active gas well sites Abstract The Academy of Medicine Engineering and Science of Texas TAMEST 2017 Fracking Has Not Contaminated Groundwater in Texas Direct migration of contaminants from targeted injection zones is highly unlikely to lead to contamination of potential drinking water aquifers p 128 In a study of 211 ground water contamination incidents in Texas associated with oil and gas activity Kell 2011 only 10 incidents were associated with well drilling and completion and none were associated with stimulation hydraulic fracturing p 123 United States Geological Survey USGS 2017 Unconventional oil and gas production not affecting drinking water quality UOG unconventional oil and gas operations did not contribute substantial amounts of methane or benzene to the sample drinkingwater wells p 6 Duke University funded by Natural Resources Defense Council NRDC 2017 Groundwater not affected by fracking in West Virginia Based on consistent evidence from comprehensive testing we found no indication of groundwater contamination over the threeyear course of our study From press release University of Cincinnati 2016 Water quality not impacted by fracking or natural gas drilling in Ohio All the samples fell within the clean water range and they did not find any changes over time either in any of our homes during the time series of fracking We never saw a significant increase in methane concentration after the fracking well was drilled There was no significant change in methane concentration over time even as more and more natural gas wells were drilled in the area Video presentation on study by lead researcher Dr Amy Townsend Small We found no positive relationship between CH4 concentration in groundwater and proximity to active gas well sites and we found no significant change in CH4 concentration isotopic composition of CH4 pH or conductivity in water wells during the study period Study abstract German Federal Institute for Geosciences and Natural Resources 2016 No threat of fracking contaminating water in North German Basin We found that the injected fluids did not move upwards into layers carrying drinking water Reuters University of TexasAustin 2016 Groundwater not affected by fracking in Parker County Texas All elements of the study point to natural methane contamination in the ParkerHood cluster p vii Overall the source of the dissolved methane is likely natural sourced from shallow natural gas accumulations in the Barnett Shale lignite beds associated with a fault in the Haynesville shale and lignite and degradation of oil and deep organic matter associated with a fractured zone in the Eagle Ford Shale The Delaware Basin samples show no dissolved methane other than associated to a recent blowout p iii Syracuse University 2016 No evidence of fracking harming groundwater in Appalachian Basin Without a proper understanding of preexisting methane occurrence in groundwater investigations may incorrectly conclude that unconventional hydrocarbon development and production has altered shallow groundwater quality when it has not ie a false positive p 2 Wyoming Department of Environmental Quality 2016 Groundwater not affected by fracking in Pavillion Wyo Evidence does not indicate that hydraulic fracturing fluids have risen to shallow depths intersected by watersupply wells Also based on an evaluation of hydraulic fracturing history and methods used in the Pavillion Gas Field it is unlikely that hydraulic fracturing has caused any impacts to the watersupply wells Study fact sheet Susquehanna River Basin Commission 2016 Fracking has not polluted water supplies in the Susquehanna River Basin To date the Commissions monitoring programs have not detected discernible impacts on the quality of the Basins water resources as a result of natural gas development but continued vigilance is warranted p 8 Proceedings of the National Academy of Sciences Yale University 2015 Fracking has not contaminated drinking water in the Marcellus Shale There was no evidence of association with deeper brines or longrange migration of these compounds to the shallow aquifers Encouragingly drinking water sources affected by disclosed surface spills could be targeted for treatment and monitoring to protect public health p 5 We have found no evidence for direct communication with shallow drinking water wells due to upward migration from shale horizons This result is encouraging because it implies there is some degree of temporal and spatial separation between injected fluids and drinking water supply p 5 US Environmental Protection Agency 2015 No evidence of widespread water contamination from fracking Hydraulic fracturing activities have not led to widespread systematic impacts to drinking water resources US District Court Wyoming 2015 Experts have confirmed no water contamination from fracking Experts and government regulators have repeatedly acknowledged a lack of evidence linking the hydraulic fracturing process to groundwater contamination p 26 Syracuse University 2015 No evidence of fracking contaminating groundwater in heavily drilled areas of Pennsylvania West Virginia and Ohio We see no broad changes in variability of chemical quality in this large dataset to suggest any unusual salinization caused by possible release of produced waters from oil and gas operations even after thousands of gas wells have been drilled among tens of thousands of domestic wells within the two areas studied Executive Summary California Council on Science Technology 2015 Fracking has not caused groundwater contamination in California We found no documented instances of hydraulic fracturing or acid stimulations directly causing groundwater contamination in California p 52 The study found no releases of hazardous hydraulic fracturing chemicals to surface waters in California and no direct impacts to fish or wildlife p 35 Stanford University 2015 No evidence of fracking fluids leaking up into drinking water aquifers Using innovative techniques such as isotopic tracer compounds that distinguish the source of chemicals in well water Jackson has not found evidence that frack water contaminants seep upward to drinkingwater aquifers from deep underground From press release US Department of Energy National Energy Technology Laboratory 2014 No evidence of gas or brine migration from hydraulic fracturing in Marcellus Shale Current findings are 1 no evidence of gas migration from the Marcellus Shale and 2 no evidence of brine migration from the Marcellus Shale p 2 Conclusions of this study are 1 the impact of hydraulic fracturing on the rock mass did not extend to the Upper DevonianLower Mississippian gas field and 2 there has been no detectable migration of gas or aqueous fluids to the Upper DevonianLower Mississippian gas field during the monitored period after hydraulic fracturing p 2 US Geological Survey 2014 No water contamination from fracking in West Virginia The comparison of groundwater data from this study with historical data found no significant difference for any of the constituents examined and therefore warrant no further discussion p 47 Duke University US Geological Survey 2013 Fracking had no effect on groundwater wells in Arkansas Although preproduction waterquality data were lacking for the wells sampled for this study geochemical data presented a welldefined pattern of geochemical evolution based on natural rockwater and microbially mediated processes strongly suggesting that the resulting water quality is derived from these natural processes with no effects from gasproduction activities p 28 Gradient 2013 There is no scientific basis for the claim that fracking fluids will contaminate water aquifers Overall there is no scientific basis for significant upward migration of HF fluid or brine from formations in sedimentary basins Even if upward migration from a target formation to potable aquifer were hypothetically possible the rate of migration would be extremely slow and the resulting dilution of the fluids would be very largeGiven the overall implausibility and very high dilution factor this exposure pathway does not pose a threat to drinking water resources p ES4 University of Michigan Technology Report 2013 Water contamination from fracking has never reliably been shown to have occurred The oftenpostulated percolation upward of fracking water used in deep long lateral well extensions to contaminate drinking water aquifers near the surface through the intervening impermeable rock formations is highly unlikely and has never reliably been shown to have occurred p 13 National Groundwater Association 2013 Fracking not affecting groundwater in northeastern Pennsylvania These findings suggest that the methane concentrations in Susquehanna County water wells can be explained without the migration of Marcellus shale gas through fractures an observation that has important implications for understanding the nature of risks associated with shalegas extraction Study abstract Our evaluation of 1701 groundwater quality analyses shows that methane is common in Susquehanna county water wells and is best correlated with topography and groundwater geochemistry rather than shalegas extraction activities p 15 Cardno Entrix 2012 Fracking has not caused groundwater contamination in Los Angeles Routine tests by the water purveyor show the communitys water supply meets drinking water standards including the period of highrate gravel packs and conventional hydraulic fracturing as well as the first highvolume hydraulic fracture in September 2011 Beforeandafter monitoring of groundwater quality in monitor wells did not show impacts from highvolume hydraulic fracturing and highrate gravel packing p 3 US Government Accountability Office 2012 The fracking process has not been identified as a cause of groundwater contamination Regulatory officials we met with from eight states Arkansas Colorado Louisiana North Dakota Ohio Oklahoma Pennsylvania and Texas told us that based on state investigations the hydraulic fracturing process has not been identified as a cause of groundwater contamination within their states p 49 Ground Water Protection Council 2011 Texas and Ohio have never had a documented occurrence of fracking contaminating groundwater Neither state Ohio and Texas has documented a single occurrence of groundwater pollution during the site preparation or well stimulation phase of operations p 3 In recent years the national debate on natural gas EP has been focused nearly exclusively on a single brief yet essential activity hydraulic fracturing Neither state has identified hydraulic fracturing as the cause of a single documented groundwater contamination incident p 102 The Center for Rural Pennsylvania 2011 Gas drilling in the Marcellus Shale has not contaminated nearby water wells In this study statistical analyses of postdrilling versus predrilling water chemistry did not suggest major influences from gas well drilling or hydrofracturing fracking on nearby water wells when considering changes in potential pollutants that are most prominent in drilling waste fluids p 4 New York State Department of Environmental Conservation Revised Draft Supplemental Generic Environmental Impact Statement 2011 Groundwater contamination has not occurred as a result of hydraulic fracturing A supporting study for this dSGEIS concludes that it is highly unlikely that groundwater contamination would occur by fluids escaping from the wellbore for hydraulic fracturing The 2009 dSGEIS further observes that regulatory officials from 15 states recently testified that groundwater contamination as a result of the hydraulic fracturing process in the tight formation itself has not occurred p 11 Massachusetts Institute of Technology 2010 Risk of water contamination is low due to distance between groundwater and where fracking occurs The protection of freshwater aquifers from fracture fluids has been a primary objective of oil and gas field regulation for many years As indicated in Table 22 there is substantial vertical separation between the freshwater aquifers and the fracture zones in the major shale plays The shallow layers are protected from injected fluid by a number of layers of casing and cement and as a practical matter fracturing operations can not proceed if these layers of protection are not fully functional Good oilfield practice and existing legislation should be sufficient to manage this risk p 15 Recent Press Releases Opinion Growing Americas Energy Future Morning Consult Growing Americas Energy Future By Barry Russell IPAA President and CEO Morning Consult Opinion March 6 2018 Americas energy producers are the backbone of our nations security and economic growth Yet as our country faces the considerable challenge of meeting our future energy needs companies 06 March 2018 IPAA and Western Energy Alliance Applaud Repeal of Costly Burdensome Hydraulic Fracturing Rule WASHINGTON DC The Independent Petroleum Association of America IPAA and Western Energy Alliance today applauded the Department of the Interiors decision to repeal a costly Obama administration federal rule on hydraulic fracturing We applaud the Interior Department decision to completely rescind the Obamaera rule 28 December 2017 IPAA Welcomes House Bipartisan SECURE American Energy Act WASHINGTON DC Independent Petroleum Association of America IPAA Senior Vice President of Government Relations and Political Affairs Dan Naatz issued the following statement in support of a bipartisan energy legislation the SECURE American Energy Act HR 4239 IPAA strongly supports HR 4239 the SECURE 08 November 2017 IPAA Oil Natural Gas Producers Are Committed to Being Smart Responsible Stewards of Federal Lands WASHINGTON DC Independent Petroleum Association of America IPAA Senior Vice President of Government Relations and Political Affairs Dan Naatz testified today at a legislative hearing before the US House Natural Resources Subcommittee on Energy and Mineral Resources on the important role US independent oil and 13 October 2017 Independent Oil Gas Producers Urge Withdrawal of BLM Hydraulic Fracturing Rule to Increase American Energy Dominance and Jobs WASHINGTON DC The Independent Petroleum Association of America IPAA and Western Energy Alliance today submitted detailed comments to the Bureau of Land Management BLM on its proposed rule that would rescind the March 2015 nationwide rule governing the practice of hydraulic fracturing on federal 25 September 2017 Americas Independent Oil Natural Gas Producers Respond to Appeals Court Dismissal of Hydraulic Fracturing Rule Case WASHINGTON DC Independent Petroleum Association of America IPAA President and CEO Barry Russell issued the following statement on the US Court of Appeals for the Tenth Circuit decision to dismiss the appellate case on IPAA and Western Energy Alliances challenge of the Obama administration 21 September 2017 Correspondence Sep 27 2017 Comments to Interior Secretary Ryan Zinke on the Implementation of Executive Order 13777 Enforcing the Regulatory Reform Agenda at the US Bureau of Land Management Sep 25 2017 IPAA and Western Energy Alliance Joint Comments to the Department of the Interior on the Bureau of Land Managements Proposal to Rescind the 2015 Final Rule for Hydraulic Fracturing on Federal and Indian Lands May 15 2017 Comments to the Environmental Protection Agency on the Implementation of Executive Order 13777 Evaluating Existing Regulations Mar 31 2017 MultiAssociation Comments to the Department of Commerce on the Impact of Federal Regulations on Domestic Manufacturing Nov 15 2016 Western Energy Alliance IPAA Court Petition for Review of Final Agency Action Sep 16 2016 Industry PetitionersAppellees Response Brief to the US Tenth Circuit Court of Appeals on the BLM Hydraulic Fracturing Regulations Case Aug 16 2016 Letter to EPA Administrator Gina McCarthy on the Review of EPA Draft Assessment on Potential Impacts of Hydraulic Fracturing on Drinking Water Jun 21 2016 US District Court of Wyoming Order on Petitions for Review of Final Agency Action Ruling Sep 30 2015 IPAA Western Energy Alliance Order on Motions for Preliminary Injunctions USDC 119 Mar 20 2015 IPAA Western Energy Alliance Court Petition for Review of Final Agency Action Apr 11 2014 Letter to EPA Administrator Gina McCarthy Aug 29 2013 Letter to NPS Regarding Its Comments on the BLMs Proposed HF Rule Aug 27 2013 Comments on the BLMs Hydraulic Fracturing Rulemaking Proposal May 17 2013 DOI ltr comment extension request for BLM HF rule Sep 10 2012 IPAA Western Energy Alliance Letter to Secretary Ken Salazar on BLM Proposed Hydraulic Fracturing Rule Sep 10 2012 IPAA Western Energy Alliance Comments on BLM Proposed Rule on Hydraulic Fracturing and Well Construction Jun 18 2012 EPA Diesel Guidance Comment Extension Request Jun 6 2012 IPAA Final Extension Request Letter 6612 Apr 5 2012 IPAA Letter to Salazar Meeting Request on Permit Streamlining Mar 15 2012 Letter to Secretary Salazar on Administrations Federal Lands Policy Feb 15 2012 Letter to House Natural Resources Committee on Hydraulic Fracturing Feb 12 2012 Letter to State Department on GasLand

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Does the iPhone 6 iPhone 6 Plus have an IR blaster Does the iPhone 6 iPhone 6 Plus have an IR blaster No the iPhone 6 and the iPhone 6 Plus do not include an IR blaster despite rumors to the contrary The IR blaster or infrared blaster makes it possible for a smartphone to act as a universal remote control for devices such as a TV Bluray player or set top box Several smartphones feature an IR blaster which can be utilized with apps to allow the device to function as a universal remote control Several manufacturers currently offer smartphones with IR blasters such as Samsung LG and HTC Newest iPhone FAQs How do I access the spirit level on iOS What phrases invoke screen effects in the Messages app How can I turn off lock inapp purchases on the iPhone tags iPhone 6 iPhone 6

O O B O B O O O O B I O O B O B O O O O B I O O B O O O B O O O O O O B I O O O O O O B I O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O B O B O

ir blaster
iphone
universal remote control


Barack Obama 140 He graduated from Columbia University in 1983 with a bachelors degree in international relations and a law degree from Harvard Law School in 1991 Obama entered politics when he was elected to the Illinois Senate in 1996 Barack Obamas IQ estimated at 145 In the year 200 Obama received the Nobel Peace Prize for his outstanding efforts to strengthen international diplomacy and cooperation among peoples Obama won the trust of up to 60 before leaving office on January 20 Compared to the previous presidents Obamas support came just behind former President Bill Clinton 66 in January 2001 and former President Ronald Reagan 64 in January 1989 For eight years in power Obama has made a number of accomplishments in the medical field typically the Obamacare program He revived the US economy in times of crisis and reached a breakthrough agreement in the area of the environment In January 2011 the Republican Party took control of the House of Representatives after the Democratic Party lost 63 seats then exploded a debate that drew on federal spending and on whether or not to raise the national debt level Obama enacted the 2011 Budget Control Act and the American Taxpayer Relief Act of 2012 In November 2012 Obama defeated Republican Mitt Romney and sworn in for a second term on January 20 2013 Obama was the first Democratic candidate since Franklin D Roosevelt won in two Presidential election with a majority of popular votes In this term Obama focuses on domestic policies such as increasing arms control after the massacre of Sandy Hook Elementary School calling on Americans to be more open about the community LGBT urging the Supreme Court to declare unconstitutional prohibitions on samesex marriage in some states On foreign policy Obama ordered US troops to intervene in Iraq in response to 40 interesting things about Barack Obama 1 As the 44th president of the United States was the first AfricanAmerican president and the first to be born outside the North American continent his hometown was in Hawaii His full name is Barack Hussein Obama Jr 2 His name means Blessed in Swahili 3 He was born on August 4 1961 in Honolulu Hawaii 4 years living in Indonesia with his mother and stepfather Then returned to Hawaii to live with his maternal grandparents 4 Barack Obamas father is a Kenyan and is a senior economist in the Kenyan cabinet His mother was a white woman his parents met at a Russian class at the University of Hawaii at Manoa But when he was 2 years old his parents divorced Then his mother remarried an Indonesian man 5 Obamas father died in 1982 in a car accident In 1995 his mother died of ovarian cancer After his mother died he returned to Hawaii from Indonesia to live with his maternal grandparents 6 Living in Indonesia for 4 years so he speaks fluent Indonesian Bahasa and communicate in Spanish With 145 Barack Obama IQ he is gifted in language and speaking many languages is very obvious 7 He was called OBomber when he was in high school due to his dunk skills And of course the most popular sport of the White House is basketball He built a basketball court on the White House campus with his staff to play in his spare time 8 Not elite students Barack Obama was not an excellent student at Punahou High School He often borrows your notebooks to copy has never been in the national exam group nor has he ever run as a student union leader 9 In his teens he worked at the American BaskinRobbins ice cream system 10 As a young man Barack Obama tried out stimulants like Marijuana also known as marijuana and cocaine 11 On the first date of dating Michelle the couple went to see the movie Do The Right Thing 12 He was honored as Person of the Year in TIME magazine in 2008 13 And just nine months after the enthronement President Barack Obama was honored with the Nobel Peace Prize By being intelligent with Barack Obama IQ 145 and his humanity he deserves the honorable mention 14 President Barack Obama won the 2006 Grammy Award for his autobiographical memoir entitled Dreams from my father 15 He and his daughter collect and read the full set of Harry Potter As a teenager he also collected comics from SpiderMan and Conan the Barbarian 16 He does not drink coffee and rarely drinks alcohol Yet in Kenya there is a beer named after him His favorite drink is chilled blackberry forest tea 17 Your favorite food is shrimp linguini like Pasta or Spaghetti made by your own wife In addition apples are his favorite snack 18 Barack Obama promised his wife to quit before the presidential election but he failed to keep his promise It was not until 2010 that he quit 19 Barack Obama is the president of the United States at the first visit to the federal prison 20 As the president of the United States at the first visit to Cuba after a century of the embargo 21 On the first day of enthronement President Barack Obama demanded the closure of the detention center at Guantanamo Bay But that request was rejected by Congress 22 Barack Obama gets more followers on Twitter than any other politician or leader in the world in his last year as president of the United States 2016 At present the number of followers exceeds 41 million people 23 Barack Obama is lefthanded People with high IQs are often lefthanded and with Barack Obama IQ 145 its natural 24 His friendship with British Prime Minister David Cameron was very close he called David Bro 25 The former presidents favorite artist is the Rolling Stones US rap king is Jay Z and Stevie Wonder 26 If you do not become a politician perhaps Barack Obama will follow the architects path 27 The Secret Service handles the presidential nickname Renegade roughly known as the apostate the rebel party 28 President Barack Obama owns a pair of boxing gloves signed by the legendary Muhammed Ali 29 He is an Apple fan and the MacBook is something that must always be there when he works or talks 30 The trio of the most admired Barack Obama presidents is Mahatma Gandhi Abraham Lincoln and Martin Luther King Jr 31 He was a Christian and was a member of the Trinity United Church in Chicago 32 He was the first president of the United States to support gay marriage law and make the law widely applicable to the state level 33 Although Obama is a calm humorous but according to the disclosure of assistant David Axelrod the president was angry with him In preparation for the 2012 Presidential Debate when the assistant made a few offers Mr Obama grumbled Im upset then and turned around and walked away 34 On his 55th birthday Obamas fortune was 122 million Much of the fortune comes from books including three bestselling books A book called Dreams from my father 35 Neighbors of Vice President Elected Mike Pence The plan after leaving Obamas White House was to stay in Washington at least until her youngest sister Sasha finished high school Obamas new home is near the home of Vice Presidentelect Mike Pence 36 He do not like young people wearing Sagging He says he does not like the fashion trend that is commonplace among AfricanAmerican youths who wear shorts or Sagging You need to pull up your pants The brothers go by their mother grandmother and their underwear look clearly Obama said in a television interview on Monday November 2 on MTV My attitude to these Sagging is this I think it passed a law it would be a waste of time to do such a thing its just a waste of time Obama said 37 Collection of comics Everybody has a different childhood Barack Obama has a pretty normal childhood with hobbies like so many other kids His mother nicknamed him Bear and Bar Barack Obama is a fan of comic books He likes to collect SpiderMan and Conan the Barbarian As a child he worked on the summer holidays to buy his favorite books 38 Not a president What does Obama likes to do We all have the right to choose what to do in life Barack Obama is a talented lawyer before entering politics He is naturally gifted in inspiring others But what if he did not become a president of power Obama once said he wanted to become an architect The idea of creating beautiful architecture is something very charismatic 39 Barack Obama cried after sending his daughter to Harvard Speaking at the Beau Biden Childrens Defense Fund former US Vice President Joe Biden in Delaware on Monday Obama admitted crying when his daughter Malia arrived on the school day at Harvard For girls things happen very fast Obama told the audience I took Malia to college and I told Joe and Jill Biden that this was just like opening the heart The leader shared that he was very proud of himself for not crying in front of his daughter However on the way back the agent only looked straight ahead and pretended not to hear the former president sobbing in the back seat Malia Obama started his first year at Harvard in August after a oneyear postponement Obamas wife helped her daughter move into the dormitory 40 Write a reply every night In an interview with NPR President Obama said that as president Obama tended to write about 10 letters a night from the people America It can be said Barack Obama IQ and things about his life are interesting A great human with a good mind no longer as the owner of the White House but he has a certain influence on many people in the world His life is an endless source of inspiration for young people to strive for excellence If you want to know your IQ just Maybe you are interested PEWDIEPIE IQ SNOOP DOGG IQ IQ 147 George Walker Bush IQ 125 BRENDAN DASSEY IQ 70 ADOLF HITLER IQ 141 SHAKIRA IQ 140 Melanie Trump IQ 200 NIKOLA TESLA IQ 160 310

B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O B I I O O O O B I B O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O B I B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O B O O B B O O O O B O O O B O O O B O O B O O O B O O O B O O


Travis Stracker Research Group Genomic Instability and Cancer Laboratory Unit CANCER SCIENCE Position Group Leader Office EM01B4344 Telephone 34 93 40 31183 Email travisstrackerirbbarcelonaorg View research group Meet our scientists Videos Travis Stracker Maintaining stability of the genome Selected group publications CCNO mutations in NPH NúnezOllé M Stracker TH and GilGómez G Agingus 10 2 158159 2018 Targeting p38α Increases DNA Damage Chromosome Instability and the Antitumoral Response to Taxanes in Breast Cancer Cells Cánovas B Igea A Sartori AA Gomis RR Paull TT Isoda M PérezMontoyo H Serra V GonzálezSuárez E Stracker TH and Nebreda AR Cancer Cell 33 6 10941110 2018 Molecular basis of TousledLike Kinase 2 activation Mortuza GB Hermida D Pedersen AK SeguraBayona S LópezMéndez B Redondo P Rüther P Pozdnyakova I Garrote AM Muñoz IG VillamorPayà M Jauset C Olsen JV Stracker TH and Montoya G Nat Commun 9 1 2535 2018 EXD2 governs germ stem cell homeostasis and lifespan by promoting mitoribosome integrity and translation Silva J Aivio S Knobel PA Bailey LJ Casali A Vinaixa M GarciaCao I Coyaud É Jourdain AA PérezFerreros P Rojas AM AntolinFontes A SaminoGené S Raught B GonzálezReyes A Ribas de Pouplana L Doherty AJ Yanes O and Stracker TH Nat Cell Biol 20 2 162174 2018 GEMC1 is a critical regulator of multiciliated cell differentiation Terré B Piergiovanni G SeguraBayona S GilGómez G Youssef SA Attolini CS WilschBräuninger M Jung C Rojas AM Marjanović M Knobel PA Palenzuela L LópezRovira T Forrow S Huttner WB Valverde MA de Bruin A Costanzo V and Stracker TH Embo J 35 9 94260 2016 NBS1 is required for macrophage homeostasis and functional activity in mice PereiraLopes S Tur J CalatayudSubias JA Lloberas J Stracker TH and Celada A Blood 2015 EXO1 is critical for embryogenesis and the DNA damage response in mice with a hypomorphic Nbs1 allele Rein K Yanez DA Terré B Palenzuela L Aivio S Wei K Edelmann W Stark JM and Stracker TH Nucleic Acids Res 43 15 737187 2015 CEP63 deficiency promotes p53dependent microcephaly and reveals a role for the centrosome in meiotic recombination Marjanović M SánchezHuertas C Terré B Gómez R Scheel JF Pacheco S Knobel PA MartínezMarchal A Aivio S Palenzuela L Wolfrum U McKinnon PJ Suja JA Roig I Costanzo V Lüders J and Stracker TH Nat Commun 6 7676 2015 Systematic identification of molecular links between core and candidate genes in breast cancer Arroyo R Suñé G Zanzoni A DuranFrigola M Alcalde V Stracker TH SolerLópez M and Aloy P J Mol Biol 427 6 Pt B 143650 2015 ATM regulation of IL8 links oxidative stress to cancer cell migration and invasion Chen WT Ebelt ND Stracker TH Xhemalce B Van Den Berg CL and Miller KM Elife 4 2015 Regulation of USP28 deubiquitinating activity by SUMO conjugation Zhen Y Knobel PA Stracker TH and Reverter D J Biol Chem 289 50 3483850 2014 The MRE11 complex an important source of stress relief Rein K and Stracker TH Exp Cell Res 329 1 1629 2014 AtoI editing on tRNAs biochemical biological and evolutionary implications Torres AG Piñeyro D Filonava L Stracker TH Batlle E and Ribas de Pouplana L Febs Lett 588 23 427986 2014 USP28 is recruited to sites of DNA damage by the tandem BRCT domains of 53BP1 but plays a minor role in doublestrand break metabolism Knobel PA Belotserkovskaya R Galanty Y Schmidt CK Jackson SP and Stracker TH Mol Cell Biol 34 11 206274 2014 PrimPol bypasses UV photoproducts during eukaryotic chromosomal DNA replication Bianchi J Rudd SG Jozwiakowski SK Bailey LJ Soura V Taylor E Stevanovic I Green AJ Stracker TH Lindsay HD and Doherty AJ Mol Cell 52 4 56673 2013 The ATM signaling network in development and disease Stracker TH Roig I Knobel PA and Marjanović M Front Genet 4 37 2013 Cell cycle and DNA repair pathwayspecific effects of apoptosis on tumor suppression Foster SS De S Johnson LK Petrini JH and Stracker TH P Natl Acad Sci Usa 109 25 99538 2012 Full publication list

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Home Frequently Asked Questions Ad valorem stamp duty AVD Scale 1 and Scale 2 Ad valorem stamp duty AVD Scale 1 and Scale 2 Show All 1 Q What are the rates including marginal relief at Scale 1 2 Q What are the rates including marginal relief at Scale 2 3 Q Under what circumstances will AVD be payable at 15 Part 1 of Scale 1 4 Q Under what circumstances will AVD be payable at Part 2 of Scale 1 rates 5 Q Will Part 1 of Scale 1 apply if a HKPR purchases a nonresidential property on or after 5 November 2016 6 Q Who will be liable to pay AVD 7 Q Under what circumstance is the buyer the only liable person to pay the AVD 8 Q What does own in relation to a residential property mean 9 Q How can a purchaser demonstrate that he does not own any other residential property 10 Q Will Part 1 of Scale 1 apply where the parties entered into a Provisional Agreement for Sale and Purchase PASP in respect of a residential property before 5 November 2016 and signed an Agreement for Sale and Purchase ASP on or after that date 11 Q How to determine whether a person is a HKPR or not 12 Q What is the meaning of single residential property 13 Q What documents will the Stamp Office base on to determine whether the subject property is a single residential property 14 Q If after acquiring two adjacent uncompleted units from the developer the purchaser requests the developer not to construct the partition wall Will the two units be regarded as one single residential property 15 Q Will a rooftop together with a residential unit be treated as one single residential property 16 Q Will an instrument for the acquisition of more than 1 residential property be partly chargeable with AVD at scale 2 rates and partly at 15 if the purchasertransferee is a Hong Kong permanent resident acting on hisher own behalf and not a beneficial owner of any other residential property in Hong Kong 17 Q Where a company whose shareholders and directors are all HKPRs acquires a residential property on or after 5 November 2016 will Part 1 of Scale 1 apply 18 Q Where a HKPR acquires a residential property as a trustee for another HKPR who does not own any other residential property in Hong Kong should the ASP in question be subject to AVD at Part 1 of Scale 1 or Scale 2 19 Q Under what circumstances will AVD be not chargeable at Part 1 or Part 2 of Scale 1 20 Q A HKPR purchased a residential property on 1 November 2016 He owned another residential property in Hong Kong at the time of acquisition Is AVD chargeable at Part 1 of Scale 1 21 Q If a residential property is acquired jointly by a HKPR and his spouse who is not a HKPR and both of them do not own any other residential property in Hong Kong at the time of acquisition of the subject property will Part 1 of Scale 1 apply 22 Q A HKPR purchased a residential property jointly with his spouse At the time of acquisition the HKPR did not own any other residential property in Hong Kong and his spouse already owned a residential property in Hong Kong Would Part 1 of Scale 1 apply to only half of the purchase price 23 Q On 1 December 2016 a HKPR entered into a PASP to purchase a residential property At that time he did not own any other residential property in Hong Kong In the ASP executed on 31 December 2016 his spouse was added as one of the purchasers At that time his spouse already owned a residential property in Hong Kong Will Part 1 of Scale 1 apply 24 Q Would the answer in Q23 be different if the spouse did not own any residential property in Hong Kong when heshe was added as one of the joint owners in the ASP 25 Q Mr A already owned a residential property in Hong Kong On 1 December 2016 he inherited another residential property in Hong Kong Will Part 1 of Scale 1 apply 26 Q Mr B inherited a residential Property X in Hong Kong from the estate of a deceased He is now prepared to purchase another residential Property Y Will Part 1 of Scale 1 apply 27 Q A HKPR who is acting on his own behalf entered into an agreement for sale to acquire a residential property the first Property in Hong Kong on 1 December 2016 Before the property was assigned to him he signed another agreement for sale to acquire another residential property the second Property He does not own any other residential property Will Part 1 of Scale 1 apply 28 Q Mr C a HKPR signed a PASP to purchase a residential property on 1 December 2016 Ms D Ms D is not a HKPR and not a close relative of Mr C was added to the ASP as one of the purchasers which was signed on 23 December 2016 Will the ASP be subject to AVD at Part 1 of Scale 1 29 Q Mr E is a HKPR On 23 December 2016 he signed a PASP to purchase a residential property At that time he only owned a nonresidential property in Hong Kong Will the PASP be charged with AVD at Part 1 of Scale 1 30 Q Mr F is a HKPR On 23 December 2016 he signed a PASP to purchase a residential property in Hong Kong At that time he only owned a residential property in Macau and did not own any other property in Hong Kong Will the PASP be charged with AVD at Part 1 of Scale 1 31 Q Will any relief be given to change of residential property cases 32 Q Will Part 1 of Part 1 of Scale 1 apply where a HKPR acquires a new residential property after disposing of all of his existing residential properties 33 Q Will any relief be given to a person who is acquiring property for redevelopment 34 Q When should AVD at Part 1 of Scale 1 be paid 35 Q What are the transitional stamping arrangements for residential properties transactions involving more than a single residential property under a single instrument 36 Q Will the AVD paid be refunded if the parties cancel the agreement for sale after the AVD has been paid 37 Q A HKPR who does not own any other residential property in Hong Kong executes several ASPs to buy several residential properties on the same day Which ASP will be chargeable at Scale 2 and which ones will be chargeable at Part 1 of Scale 1 38 Q A HKPR who does not own any other residential property in Hong Kong executes one ASP to acquire several residential property units in one single transaction Which property unit will be chargeable with AVD at Scale 2 and which ones will be chargeable with the AVD at Scale 1 39 Q If property prices have plummeted will the buyers be able to base on the lowered market price to pay the AVD or seek a refund of the AVD already paid 40 Q A HKPR does not own any residential property and car parking space in Hong Kong He enters into an ASP to acquire a car parking space and a residential property How is AVD chargeable 41 Q A HKPR does not own any residential property and car parking space in Hong Kong He enters into two separate ASPs to acquire a car parking space and a residential property How is AVD chargeable 42 Q A HKPR owned two residential properties when he acquired a new residential property Within 6 months from the date of assignment of the new residential property he disposed of both of the residential properties previously owned Will he be entitled to the partial refund of AVD 43 Q A HKPR and his wife each owned a residential property when they jointly acquired a new residential property on 1 November 2016 Within 6 months after the date of assignment of the new residential property they disposed of their respective residential properties Will they be entitled to the partial refund of AVD 44 Q A HKPR owned one residential property when he signed an ASP to acquire two new residential properties on 5 November 2016 Within 12 months after the date of assignment of the new residential properties he disposed of his only original residential property Will he be entitled to the partial refund of AVD back to top

O O O O B I I I O O O O O O B I I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


FREE REPORT Effective Contractual Risk Transfer in Construction Become a better contract negotiator avoid costly errors and identify dangerous coverage gaps with proven strategies for both transferring and accepting risk Download your FREE REPORT today Get Your FREE Report Behavioral Risk Management Recognizing the Elephant in the Room Identifying and responding to behavioral risks in the workplace complicated by resistant stigmas regarding mental health conditions may be one of the most significant elephants that risk and disability managers have yet to tackle We know that human behavior pervades all that we do and yet society continues to view individuals as two separate partsthe physical and the mental We see this not only in terms of the medical community but also in claims performance and productivity Marcia Carruthers Disability and Disability Insurance February 2013 Fortunately we are a bit more enlightened in the 21st century and several movements are afoot that will serve to integrate these two into a discipline called behavioral risk management BRM The 2008 passing of the Parity Law and the newly minted Patient Protection and Affordable Care Act are two elements that may ensure that this whole person view finally becomes standard procedure Since we have traditionally focused on the pieces rather than the pattern we end up seeing only the isolated parts and then wonder why some ingrained problems never get resolved This opportunity for a systems approach provides For a corporation to take this holistic approach however the next necessary step is to recognize that there is also a human cost savings to the equation not just a dollar or bottom line result That is a big cultural step for those only looking for shortterm gains However by taking the comprehensive approach longterm value and cost savings are not only possible but also repeatedly underscored and driven home in research studies and results from bestinclass companies Finally as good risk managers we are taught that every risk should be identified and analyzed then reviewed for preventative measures and finally measured and monitored We now need to expand our analysis to include the identification of behavioral risks in the workplace This can be done on a corporate basis through the BRM process in conjunction with our colleagues in benefits safety and human resources Behavioral Risk Principles and Focus BRM is a term that has been around since the mid1990s One of the first introductions to the subject was Behavioral Risk Management Yandrick 1996 which suggested a detailed audit of an organizations behavioral risks This assessment enables a company to quantify risk exposures and establish its degree of risk from four sources personnel files healthcare utilizationcosts employee interviews and management surveys While the focus is on behavioral issues BRM is ideally preventative in nature Disability Management Employer Coalition DMEC took this concept a step further by defining BRM in the context of the emerging role of integrated disability and absence management including this important behavioral component It is now seen as a new and emerging best practice area of workforce risk wellness and healthcare cost containment to better understand the underlying behavioral aspects of claims productivity and performance including Psychosocial and psychosomatic factors Comorbidity Productivity losses and presenteeism Psychiatric and highprofile claims management Highprofile human resource and labor relations cases As we move forward with the realities of healthcare reform implementation a myriad of everexpanding federal and state leave laws and postrecessionary financial forces employers are pushed to consider new and innovative approaches to cost savings productivity enhancement and human asset management Given the extreme pressure on human resources professionals in the current corporate climate to preserve and retain qualified employees never has the impetus to keep employees healthy and on the job been more urgent On one hand considerable research and effort have been expended into quantifying the effects of lost productivity in terms of presenteeismkeeping employees engaged and at work The other side of the health and productivity equation is equally importantmeasuring and managing absence and disability when employees are off work Both factors are affected by behavioral risks and require a disciplined approach to identify and minimize the potential effects Behavioral Risks Affecting Human Capital Physical health Emotionalbehavioral health Threat of violence Safety infractions on the job Critical incident stress Bullying Conflict with supervisor Sexual harassment Discrimination Maritalfamily issues Drugalcohol abuse Family health issues Conflict with a coworker Worklife balance Source Robert B Johnson Behavioral Risk A Systemic Approach The Journal of Employee Assistance September 2004 Research and Statistics Numerous research studies have borne out the fact that underlying mental health issues significantly affect employees performance health and wellbeing They point to the fact that underlying mental health issues add to costs lost time and productivity losses We know that mental health illnesses including substance abuse disorders increase healthcare costs and are the fifth leading cause of shortterm disability STD and third leading cause of longterm disability LTD National Business Group on Health 2010 Since 2006 DMEC has conducted a biennial survey of its employer members plus five healthcare coalitions to track strategies advancements prevalence and effectiveness in this discipline These results provide an opportunity to identify changes in employer trends and a pulse on the industry For a copy of the executive summary go to dmecorg The 2012 report indicated increased awareness and attention to this emerging discipline Employers continue to enhance these offerings and recognize the value they provide in improving the overall employee experience as well as containing the high costs that can be incurred as a result of behavioral risk conditions Toptier findings include BRM is a widely accepted program element 84 percent believe BRM is or can be an important emerging area of concern 60 percent of large employers more than 10000 employees already have an embedded behavioral component and are leading the shift in thinking Involvement of the employee assistance program EAP was the most significant element of a successful returntowork RTW program with 67 percent of employers employing this best practice Effective communication of EAP services and early identification of employees at risk are key program elements Employers see the EAP as a risklowering management resource Use of a mental health professional MHP for claims management grew from 48 percent in 2010 to 64 percent in 2012 This methodology was employed in workers compensation STD and LTD cases to involve experts to ensure appropriate treatment and successful resolution Model Programs A range of model programs has emerged over the past 15 years The ultimate goal of any of these methods is to ensure that employees are productive engaged and at work Progressive employers have implemented some or all of the following approaches with great success The first takes an enterprise risk management approach while the others are more program and functional areaspecific Organizational assessment to flush out toxic environments and supervisors audit Assessment and triageutilizing early intervention and psychosocial intervention Functional assessmentby a trained MHP including fitness for duty Treatment plan reviewanalyzing treatment disability durations and RTW goals Prescreening utilizing red flags and other identifiers of behavioral risk by claims personnel nurses or even supervisors with warm transfers to MHP Behavioral safety programs to identify and analyze accident repeaters stress claims as prevention measures Disability teams with a psych orientation and EAP representation to review highprofile cases RTW and job coaches to support early and sustained return to the workplace Best Practices Many of the best practices that employers have found effective in their programs involve little in terms of expense and more in terms of a change in process focus and culture Raising awareness defeating stigma and taking a holistic approach underscore the effectiveness and success Of the 15 key best practices that were identified in the 2012 DMEC Behavioral Risk and Wellness Survey the top 10 were Include a behavioral component in your integrated and coordinated program Provide EAP benefits and promote their utilization Incorporate EAP referrals as an RTW program element Employ early intervention identification and communication with employees and supervisors Review performance as a key indicator to detect underlying behavioral health issues using the supervisor as the first point of information Initiate threepoint contact company provider and employee as part of the process Encourage communication between employee and provider Conduct interim touchbase meetings with employee Utilize MHP for all claims including physical and consider telephonic connections Conduct depression screenings at intake Utilize predictive modeling from claims data Conclusion and Call to Action As employers look to the future productivity gains will need to be developed from a dwindling workforce Challenged by the exodus and increasing disability of the baby boom generation and the inability of succeeding generations to replace intellectual capital more effort will need to be put into retaining retraining and recovering activities for the current workforce in order to increase productivity Managing the behavioral component is an integral first step toward making this happen ensuring not only adequate numbers of qualified workers but also supporting a physically and behaviorally healthy workforce Without a wholeperson approach we are just treating the The future of workforce health with its emphasis on wellness balance and continued pressure to attain optimal productivity should be the catalyst for risk and benefits managers to join forces as thought leaders for the next generation Only by taking this integrated approach can the elephant in the room be recognized and effectively diffused Be the first in your organization to reach across the aisle and take the initial step in making this happen Marcia Carruthers MBA ARM CPDM is cofounder and chairman of the Disability Management Employer Coalition DMEC a San Diegobased nonprofit trade association providing educational resources to employers in the area of disability absence health and productivity For information visit wwwdmecorg or email Marcia at Opinions expressed in Expert Commentary articles are those of the author and are not necessarily held by the authors employer or IRMI Expert Commentary articles and other IRMI Online content do not purport to provide legal accounting or other professional advice or opinion If such advice is needed consult with your attorney accountant or other qualified adviser Like This Article IRMI Update Dive into thoughtprovoking industry commentary every other week including links to free articles from industry experts Discover practical risk management tips insight on important case law and be the first to receive important news regarding IRMI products and events

O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O

behavioral risk management
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B O B I B O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O B O B O B O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O


About Form 1041V Payment Voucher Current Year Prior Year Accessible eBooks Browser Friendly Post Release Changes to Forms Order Forms and Pubs Help with Forms and Instructions Submit this voucher with your check or money order for any balance due on an estates or trusts Form 1041 Current Products Form 1041V Recent Developments None at this time Other Items You May Find Useful All Form 1041V Revisions Publication 559 Survivors Executors and Administrators US Income Tax Return for Estates and Trusts Other Current Products Comment on Form 1041V Use the Comment on Tax Forms and Publications web form to provide feedback on the content of this product Although we can not respond individually to each comment we do appreciate your feedback and will consider all comments submitted CAUTION We can not respond to taxrelated questions submitted using this page Instead please see our Tax Law Questions page Page Last Reviewed or Updated 05Nov2018

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About Publication 502 Medical and Dental Expenses Current Year Prior Year Accessible eBooks Browser Friendly Post Release Changes to Forms Order Forms and Pubs Help with Forms and Instructions This publication explains the itemized deduction for medical and dental expenses that you claim on Schedule A Form 1040 It discusses what expenses and whose expenses you can and can not include in figuring the deduction It explains how to treat reimbursements and how to figure the deduction It also tells you how to report the deduction on your tax return and what to do if you sell medical property or receive damages for a personal injury Current Products Publication 502 HTML Recent Developments AGI Threshold for Medical Expenses Restored to 75 Other Items You May Find Useful All Publication 502 Revisions Forms and Schedules You May Find Useful Other Current Products Comment on Publication 502 Use the Comment on Tax Forms and Publications web form to provide feedback on the content of this product Although we can not respond individually to each comment we do appreciate your feedback and will consider all comments submitted CAUTION We can not respond to taxrelated questions submitted using this page Instead please see our Tax Law Questions page Related Publications Publication 17 Your Federal Income Tax For Individuals Publication 501 Exemptions Standard Deduction and Filing Information Publication 503 Child and Dependent Care Expenses Publication 525 Taxable and Nontaxable Income Publication 535 Business Expenses Publication 555 Community Property Publication 926 Household Employers Tax Guide Publication 969 Health Savings Accounts and Other TaxFavored Health Plans Publication 974 Premium Tax Credit PTC

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Cheap SUV for Sale in Pennsylvania Zip Code Radius Make Model Year to Trim All Price to Mileage to 115 of 1386 Used Cars Found Location PA X Radius 50 X Price X Bodystyle SUV X Condition Used X Save Search 1 2002 Land Rover Discovery Series I 117438 mi Erie PA Listed 4 days ago 2512 below market price dealer rating 1 positive Great Deal 4247 MORE INFO PREVIEW Save 25 2004 GMC Yukon Denali 99739 mi Pottsville PA Listed 10 days ago 3619 below market price dealer rating 1 positive low miles free CARFAX Great Deal 5731 6239 MORE INFO PREVIEW Save 19 2005 Ford Explorer XLT 158451 mi Horsham PA Listed 73 days ago 1265 below market price dealer rating 1owner 1 positive free CARFAX Great Deal 2050 3970 MORE INFO PREVIEW Save 4 2007 Ford Expedition Limited 193006 mi Thorndale PA Listed 18 days ago 3109 below market price dealer rating free CARFAX Great Deal 4866 MORE INFO PREVIEW Save 1 2010 Nissan Murano S 146624 mi Stroudsburg PA Listed 4 days ago 3239 below market price Great Deal 4994 MORE INFO PREVIEW Save 30 2012 Kia Sportage LX 143576 mi Easton PA Listed today 2749 below market price high miles Great Deal 4985 MORE INFO PREVIEW Save 1 2009 Suzuki Grand Vitara Premium 108784 mi Erie PA Listed 8 days ago 1908 below market price dealer rating 1 positive Great Deal 3991 MORE INFO PREVIEW Save 30 2011 Hyundai Santa Fe SE 126975 mi Lancaster PA Listed 18 days ago 2509 below market price dealer rating 1owner 3 positives free CARFAX Great Deal 5997 6999 MORE INFO PREVIEW Save 24 2002 Chevrolet Suburban LS 213000 mi Pen Argyl PA Listed 1 day ago 1525 below market price Great Deal 2995 MORE INFO PREVIEW Save 20 2008 Mazda Tribute s Sport 136899 mi Horsham PA Listed 40 days ago 1660 below market price dealer rating 1owner 1 positive free CARFAX Great Deal 3825 5720 MORE INFO PREVIEW Save 20 2008 Ford Edge SE 139075 mi Horsham PA Listed 21 days ago 2447 below market price dealer rating 1 positive free CARFAX Great Deal 4474 6205 MORE INFO PREVIEW Save 6 2009 Saturn VUE XE 53300 mi Philadelphia PA Listed today 1777 below market price dealer rating low miles Great Deal 7249 MORE INFO PREVIEW Save 4 2004 Jeep Grand Cherokee Laredo 58165 mi Emmaus PA Listed 4 days ago 2735 below market price low miles Great Deal 5990 MORE INFO PREVIEW Save 17 2005 Mercury Mariner Base 117454 mi Tamaqua PA Listed 1 day ago 1311 below market price dealer rating Great Deal 3995 MORE INFO PREVIEW Save 22 2000 Ford Explorer XLT 135000 mi Pen Argyl PA Listed 25 days ago 1303 below market price Great Deal 2195 MORE INFO PREVIEW Save Get email alerts for price drops and new listings matching this search SIGNUP 115 of 1386 Used Cars Found 1 2 3 Next

B I O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Employment At the International School of Kenya the quality of teaching facilities and resources are very high and the emphasis on innovation studentcentered learning and student service programs makes this school a beacon amongst international schools In keeping with the ISK core values and vision statement ISK has a Child Protection Board Policy and an extensive Child Protection Manual to guide staff volunteers students and families in matters related to the safety and care of children attending our school We believe that children have a fundamental right to be safe at ISK and that the educators parents and caregivers must act in the best interest of your child and our students The ISK Child Protection Policy and associated guidelines are based on the belief that all children should be protected from any form of abuse and neglect Click on the Child Protection tab to learn more Contact us If the information on this page does not address your query please email us recruitmentiskacke Learn More About ISK Overview Vacancies Application Procedure Salaries Benefits Child Protection The World of ISK Nestled in the green rolling hills of north Nairobi ISK is a school like no other Life in Nairobi Support for Education Volunteering Social Media Employment

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