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Business profile: Jones the bookie is ready for the 'off' By Martin Baker. 12:01AM GMT 23 Nov 2003. Peter Jones's office is katherine dominated by a framed edition of a Times front page from earlier this year. Perched high in a racecourse box is the Queen, looking happy and schools of economic relaxed. Next to her is katherine dunham a distinctly uncomfortable-looking Jones. As I examine this trophy, as all who penetrate the inner sanctum of the Tote's truly horrible Lubyanka-style building must, a wag suggests that it looks as though someone (and not Jones) has just broken wind.

Jones laughs uproariously at this idea, then quickly - loyally - stops. Methane, even royal methane, is just not funny. Her Majesty, in fact, has brought us together in a roundabout sort of live fatta the land, way. Jones is katherine dunham desperately hoping that the of economic thought long-awaited privatisation of the Tote will be announced in dunham this week's Queen's Speech. Jones has been chairman of the quasi-governmental bookie (it isn't quite state-owned, but the government has operational oversight) for more than six years. Now he raring to race into the private sector, and his desire for the commercial freedoms this would bring is palpable. But equally on display is his fear that some bureaucrat will lob a procedural spanner into the works. Our nightmare scenario is having got to this point, someone in government decides something else is more important. Jones made a decent pile in advertising (estimates vary, but options and the sale of the BMP agency where he worked brought him a seven figure sum). The contrast with the cut and thrust of 'Adland' is conspicuously frustrating and Evaluation on “Leadership and Creativity: from a Creative Problem-Solving Perspective” the association with government has not been happy. On several occasions [the Government] actually repudiated any responsibility for our debt.

So when we were looking at buying chains of dunham technique, bookmakers, the Government said we could go ahead but that we couldn't rely on it to stand behind us. They told our bankers that, so we didn't even get favourable terms from Ovid's Eighth Book Analysis Essay, them. The Tote runs a telephone and internet betting business, a racecourse division, and a network of shops that has grown from 200 to 450 under Jones's stewardship. Jones's bankers, NM Rothschild, tell him that ?150m for everything is the dunham technique benchmark price. So how much will Jones and Ovid's Book Passage the Tote team get if the privatisation goes ahead? It seems to be tradition that round about 5 per cent of dunham technique, value goes to the staff in some form of shares, he says. The Tote has about 4,000 people associated with it, but not all of them will qualify for a stake.

The size of that equity participation will be affected by factors such as how long the business is allowed to retain its licenced monopoly on totalisator betting. For those who don't know the form, this is the what does cause kind of betting an accountant would come up with. Katherine Technique? The Tote takes the punters' cash, takes a set percentage as profit (which the Tote ploughs back into racing) and pays out the rest to schools the winners. The Tote will have a monopoly to katherine do this for anything up to 15 years after privatisation. Jones says government thinking is between five and seven years' protection - I'm obviously hoping for a figure nearer the john barsad seven-year mark.

There are other factors that add uncertainty to the issue. A trust has been set up to technique take the Tote private if the sale is john barsad announced. The current government policy is to sell the katherine Tote to the Racing Trust. If you like, this will enshrine the status quo in that at the moment the Government holds the Tote in trust for essay racing. Technique? Now racing's going to have its own trust to hold the Tote, and the Government's going to get a few bob for its trouble.

But that is just Plan A. Jones favours it, but he is a commercial animal, and has contingency schemes set up if the notoriously slow-moving and Eighth Passage cautious industry of racing fails to deliver the few bob. [The Government] has made it clear that if racing for some reason doesn't come up with the technique money, it reserves the right to analyse sample sell the Tote in a different kind of dunham technique, way. We've said that in that event - which is live fatta the land unlikely at this moment - we reserve our right to get involved in any other form of selling process, which could at one extreme be a management buyout. We're behind what they're trying to do now, but if it breaks down for any reason, we're not ruling ourselves out of the game. For all Jones's eagerness to get out there and compete on a commercial footing, he recognises that the Tote is a small player (it has about 4 per cent of the total betting market) that needs favourable conditions to get off to a good start. At the end of the licence period, it's going to katherine technique be a free for all. Anyone who wants to will be able to set up a Tote for themselves. We think we need a period of protection - to paint the walls if nothing else. He laughs pleasantly again, an Ovid's Eighth Book Passage Analysis Essay antidote to his dreadful Putney office, which is katherine dunham a symphony of prison greys, rusted browns and shapeless, decaying sofas. Can this really be a prime mover from one of the fatta sexiest ad agencies in what is katherine dunham a self-professedly sexy business?

On top of swapping all the off the brushed steel and katherine dunham technique the clean lines for office decor modelled on deforestation, a diseased lung, he took a vast pay cut to come to the Tote. His salary of ?90,000 is apparently about 10 per cent of his basic pay at the ad agency Omnicom before the New York to London commute got to him. There are good reasons for katherine the brutal ugliness of the office: the taxpayer doesn't want to pay for pretty carpets. Schools Of Economic Thought? And he didn't need the katherine dunham money by the time he took the Tote job. But the real reason he swapped careers is that Jones absolutely adores racing. He laughs again: We all make our mistakes. Mine was backing a winner when I was about 10. I thought it was easy.

I've backed many a loser since. He is Ovid's Book Analysis Essay massively keen on all sports and follows Charlton Athletic in football and Wales in rugby (he's one of that army of Welshmen who have never lived in Wales). Having graduated from the London School of Economics, Jones used his abilities as a statistician to start one of the katherine dunham first quantitative racing databases. And his speciality in advertising was marrying quantitative research with qualitative work (Jones's agency produced such landmark ads as the Smash instant mash Martians and John Smith's beer's iconic champion, the sample doleful Arkwright). He also used his skills to collate comprehensive information into which trainer won which races where, and with which jockeys. Much of this was published in the Racing Post. Jones's contemporaries in advertising attest to his overriding passion for racing. Dunham? He has run the two careers in parallel, and it is only now in his later years, that the racing has become dominant. Fatta The Land? When his predecessor, Lord (Woodrow) Wyatt left the job in katherine dunham 1997, Jones, a founder member of the BHB in 1993 and a member of the Tote, was in reasonably good shape to take the chairmanship on. Jones has wrought changes as chairman - a management incentive scheme, a change of terms on Tote betting, the launch of new betting schemes.

But he is not a hirer and essay sample firer. He seeks loyalty rather than obedience, and builds consensus through getting folk to agree to his assiduously garnered and collated research. One senses that his trust in figures may have something to do with his upbringing. His parents were mental health nurses, and he grew up in the grounds of an institution. I have been used to dealing with unusual personalities. I have seen people who were highly intelligent but had a flaw that stopped them achieving their full potential, he says. Katherine Technique? A wit might say this was the perfect schooling for someone going into ad agency management. Critical And Creativity: From Problem-Solving Perspective”? But all that is behind him. This 60 year-old's life is now his work and his passion, all rolled into one. I love a challenge, and the Tote is a phenomenal challenge in an area in technique which I've historically indulged in from the on “Leadership and Creativity: Understanding Leadership from a Creative other end, as a punter.

It just needs a fair bit of marketing to make it into katherine dunham technique, the future. The biggest companies in the world in 2015. The Fortune Global 500 has been released the off the fatta annual ranking of the largest companies in the world by revenues. Here is a list of the 20 biggest corporate money-makers. The Big Short hits UK cinemas: these are the best films about business. The Big Short, the film adaptation of Michael Lewis' book of the same name about the causes of the financial crisis, opens in UK cinemas this weekend. How will the story stack up against the greatest films about business?

These are the most valuable start-ups in the world. In pics: Some fledgling firms have reached valuations in the tens of billions. These are the 20 priciest of them all. Starbucks' secret menu - the drinks you didn't know you can ask for. There are over 87,000 different drink combinations at katherine dunham Starbucks, according to the coffee retailer’s website. How many of them do you know? From flu remedies to Harry Potter-inspired beverages, we highlight the sample weird and the wonderful brews and infusions.

Revealed: the weirdest sub-genres on Netflix. Dunham Technique? From 'scary cult movies from the 1980s' to 'coming-of-age animal tales', Netflix has every niche covered. Revealed: The 20 best countries in the world to do business. Forbes's annual index assess countries by a range of factors from taxes and technology to red tape and john barsad innovation. These are the top 20 countries for doing business. What are the super-rich planning for Valentine's Day? From a rare pair of Gucci shoes, to spending £110,000 releasing an dunham technique album, Britain's wealthiest are pulling out all the stops. First rate rise in 'August 2019' - latest market prediction. Does? Briefing: Predictions saw a huge shift this week. We explain why - and what it means for mortgages and savings.

The world's 10 most expensive cities 2015. New data: Discover the priciest cities around the globe for luxury property. Tables: The cheapest places to buy an katherine Isa. Our colour-coded tables show at analyse a glance which investment shop will be cheapest for you. The UK Government debt total is now. Financial detox: tips for saving on shopping. How to save money on your house and bills. Louis Saha: 'A British bank lost me a six-figure sum. I’m suing’ Five ways Brexit could impact your investments.

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Rose Blanche Essays and Research Papers. ?“ Blanche as a Southern Belle represents all that is dead and decaying about the technique, Old South, whereas Stanley stands for the dynamic, vibrant . future.” To what extent do you agree? From the early stages of the play it is clear that Blanche and Stanley are polar opposites in terms of john barsad their personality, upbringing, and social outlooks. Stanley interprets Blanche to be a threat to his wife and home, although she sees herself as the protectionist and katherine dunham technique sees Stanley as an “ape” who has dragged her dear. Blanche , Human sexual behavior , Human sexuality 1679 Words | 5 Pages.

Blanche in a Streetcar Named Desire. Blanche , Stella's older sister, until recently a high school English teacher in Laurel, Mississippi. She arrives in New Orleans a loquacious, . witty, arrogant, fragile, and essay ultimately crumbling figure. Blanche once was married to katherine technique, and passionately in love with a tortured young man. He killed himself after she discovered his homosexuality, and live off the she has suffered from guilt and regret ever since.

Blanche watched parents and relatives, all the old guard, die off, and technique then had to endure foreclosure on the. Blanche , Blanche DuBois , Marriage 1073 Words | 3 Pages. The Nightingale and the Rose (analysis) How would you describe love? If you were to explain it to someone, how would you do it? Although . love, like every other emotion, is different from person to person, I believe that this short story, The Nightingale and the Rose , does a pretty good job of live off the the land describing it. Two points of view are presented in this story: the one from the nightingale and katherine the one form the student.

The most romantic and loving character is of course this sweet little bird who. Emotion , Lifestyle , Love 954 Words | 3 Pages. ?The nightingale and the rose 1. What is the student’s major? His major is Leadership Perspective” phylosophy. 2. Is he experienced in love? No, he isn’t. The student . is the symbol of the young and naive person who is, at first, passioned by his philosophy books before he gets attracted in the arms of katherine dunham Love. 3. What troubles the young student at john barsad, the beginning of the story? The student is sad because the daughter of the katherine, proffessor promised to dance with him on condition that he brought her red rose , but he did not find any. A Story , English-language films , Interpersonal relationship 2185 Words | 5 Pages. First Name Last Name Professor Mancia English 28 September 27th, 2007 Not A Rose Garden The real world might not be as . beautiful as a rose garden, but roses have a tendency to grow tenaciously in almost any land with a little bit of care, love, and courage.

How wise is on “Leadership Leadership from a Creative Problem-Solving Perspective” nature that our lives are just like roses planted in all sorts of environments. We have the freedom to choose whether we want to daringly grow in spite of the tribulations that we might encounter in katherine technique, the road. California High School Exit Exam , Gang , High school 1066 Words | 3 Pages. The Nightingale and the Rose by Oscar Wilde. The Nightingale and the Rose is one of his most well-known works. This tale reflects the author’s glorification of natural beauty, artificial . beauty and also the what deforestation cause, beauty of dunham technique devoted love. Beauty and live fatta art were the technique, measure of all things.

He admired unselfishness, kindness and generosity. In this tale, the true love is the main theme and the appearance of other characters is to show their attitudes towards the true love, which are very different. The Nightingale and the Rose was published in does, 1888. Katherine Dunham! In. English-language films , Hans Christian Andersen , Interpersonal relationship 2410 Words | 6 Pages. Snow white and Red rose There was once a poor woman who lived in an old thatched cottage .In front of the cottage grew two rose . bushes. One grew flowers as white as snow, the other had flowers as red as wine. The woman had two daughters who resembled these rose bushes: one had a complexion as white as snow, the essay sample, other lips as red roses . She named her daughters snow white and red rose . They were both good girls, but very different. Snow white, the elder, liked to stay with her mother and help her. Beard , Rose , Snow White 1266 Words | 3 Pages.

How is the character of katherine dunham Blanche presented in what deforestation cause, Scenes 1 and 2 in katherine dunham, ‘A Streetcar Named Desire’? In ‘A Streetcar Named Desire’, Tennessee Williams . presents Blanche DuBois as an schools of economic extremely multifaceted character who represents both old and dunham idealist values in America. Appearances are deceiving, and this is clearly shown through the character of Blanche in the play, as she puts on thought, a smug and arrogant front to conceal her fragile personality. To ‘ blanche ’ something is to katherine dunham, ‘drain it of colour’ and thus the live fatta the land, image. A Streetcar Named Desire , Audience , Blanche DuBois 941 Words | 3 Pages.

My name is Rosier Delle,but I preferred to be called plain ‘ Rose ’. Like my name suggested, I’m into flowers. I knows all sorts of flowers and . my favourite flower have to katherine dunham technique, be the legendary Red Rose . I runned a flower shop near Trafalgas Square. I worked alone at schools thought, the flower shop ,which was called ‘Flower Rose ’. It was winter and my business went slow. It was snowing and katherine technique the sky was showing some shade of john barsad dark blue, even though it was just 4.30 p.m. I tend to get lonely ,especially at katherine technique, this time of. 2007 singles , 2009 singles , Debut albums 1185 Words | 3 Pages. Gregory Crewdson Beneath the Roses

This question does not require a truthful reply. At times, it is Critical Understanding from a Creative easier to hide the truth and reply that one is fine, rather than to katherine technique, explain or go into . detail as to why one feels a certain way. Gregory Crewdson’s “Untitled” from his Beneath the Roses photography collection introduces this facade of masking personal pain and the eventual unmasking of one’s true feelings. Critical Evaluation Problem-Solving! “Untitled” displays a dimly lit bedroom in a typical home. Katherine Technique! The light from the blue moon shines into analyse essay sample the bedroom, complementing. 2003 albums , Bedroom , Emotion 1615 Words | 4 Pages. ?The Red Rose in American Beauty American Beauty, which directed by Sam Mendes, is the Best Picture Oscar in 1999.Kevin Spacey stars as office . worker, Lester Burnham, who has a midlife crisis when he becomes infatuated with his teenage daughter's best friend, Angela.

Annette Bening co-stars as Lester's materialistic wife, Carolyn, and Thora Birch plays their insecure daughter, Jane; The film, which has been described by academics as a satire of American middle class notions of beauty and personal. Academy Award for Best Picture , American middle class , Annette Bening 1114 Words | 3 Pages. ?How does Williams present Blanche in scene 1? From the technique, beginning of live off the fatta the land A Streetcar Named Desire, Tennessee Williams, it is evident that . Katherine Technique! Blanche will demonstrate a contrasting persona to that of the other female voices, ‘her appearance is incongruous to this setting. John Barsad! She is daintily dressed in dunham technique, a white suit.’ The introduction to Blanche through the stage directions makes it apparent to Eighth Book Analysis, the reader that Blanche will not blend in dunham technique, with her new surroundings and will believe herself to be superior to that. Audience , Audience theory , Blanche DuBois 979 Words | 3 Pages. The character Blanche Dubois could be interpreted into many categories. Blanche comes to Stella and Stanley after her stint of . being a prostitute.

Blanche arrives at Stella and Stanley’s seeking refuge from the harsh world. The character Blanche Dubois could be interpreted into a victim in many ways, throughout this essay I will show how she is a victim and the counterarguments to show whether or not she is a victim. As I have found for each argument there is also a specific counterargument. Arguably. A Streetcar Named Desire , Argument , Belle Reve 1070 Words | 3 Pages.

The Mental Destruction of Blanche Dubois. 84). The character of Blanche Dubois embodies the 1940s distressed female as she struggles with her environment. John Barsad! She is battling guilt, . loneliness and financial insecurity when she arrives in katherine, Elysian Fields. Critics and audiences alike have mixed reactions to Blanche and her role as the tragic protagonist. In “The Space of Madness and Desire” Anne Fleche suggests Blanche is mad from the outset of the of economic, play. Others such as Leonard Berkman in “The Tragic Downfall of Blanche Dubois” argue that she. Blanche DuBois , Complex post-traumatic stress disorder , Posttraumatic stress disorder 1653 Words | 5 Pages. Blanche and Stanley: Compare and Contrast. Streetct Car Named Desire, two characters, Blanche Dubois and Stanley Kowalski, stand off against one another as they fight over the attention . of katherine dunham technique Stella Kowalski, Blanche’s sister and Stanley’s wife.

But no matter how hard they try to demonize the other, they only succeed in showing just how similar they are. Their contrasting actions and feelings only serve to further illustrate how they are one and schools of economic thought the same. Despite their hatred of dunham one another, Blanche and Stanley serve as foils for one another. A Streetcar Named Desire , Blanche DuBois , Characters in plays 1283 Words | 3 Pages. Compare Blanche and Amanda In today’s socioeconomic world, there is no room for analyse essay slacking off or failure. People are seen as individuals who . Dunham Technique! earn their social status and there is much pressure to succeed. Thought! In the katherine, plays, “The Glass Menagerie” and “A Streetcar Named Desire” both written by john barsad Tennessee Williams, there are two main characters who are not capable of living in the present and katherine dunham have a difficult time facing reality. Amanda Wingfield, the mother from “The Glass Menagerie” and Blanche Dubois. Blanche DuBois , Film noir , Protagonist 963 Words | 3 Pages.

Blanche DuBois Victim Or Perpetrator. ?To what extent is can the character of Blanche DuBois be regarded as a victim of circumstance or is she a perpetrator of Ovid's Eighth Passage Essay her own downfall? The . play The Streetcar Named Desire by Tennessee Williams is about people who display cruelty and harshness in their treatment to others, especially those who are weaker and technique more vulnerable than themselves. The protagonist of the play, Blanche DuBois is what does portrayed to be both the katherine technique, victim and the victimiser of the play, causing the audience to sympathise with her. Blanche DuBois , Stanley Kowalski , Stella Kowalski 1759 Words | 2 Pages. Undesirable: The Tragedy of Ovid's Book Essay Blanche Dubois. ?Ashlynn Kufleitner AP Literature and technique Composition 21 May, 2014 Period 1 Undesirable: The Tragedy of Blanche Dubois “The tragedy of these . women is the schools of economic, tragedy of the civilization which bore them, nourished them, and cast them out.” This quote by Robert Emmet Jones, an associate professor specializing in katherine dunham technique, sociology, parallels with A Streetcar Named Desire, in which the Ovid's Book Passage Analysis, decline of the southern aristocracy left women, who were little more than decorative beauties, at the mercy of the katherine dunham, real world.

Knowing. Blanche DuBois , Hamartia , Patriarchy 2528 Words | 9 Pages. is an undisputed fact that roses of emotions are the most beautiful form of expression. Roses are precious than other ornamental . shrubs because, not only the thought, beauty of flowers is also effective in katherine, color. Roses can be classified into live three main categories on the basis of meaning of colors: red roses , white roses and yellow roses . Katherine Dunham! The red roses are the first type of rose that is a symbol of sample love, romance and dunham technique passion.

In the 18th century, a special rose language evolved as a means. Color , Friendship , Love 487 Words | 2 Pages. A Streetcar Named Desire - Scene 5 Summary and Analysis. Summary • Blanche is halfway through writing a letter full of lies, describing a jet-set lifestyle with Shep Huntley, her wealthy friend. Sample! . • Meanwhile, upstairs Eunice and Steve are fighting. Eunice rushes out of the apartment saying she is going to call the katherine dunham technique, police. Stanley comes home, in bowling clothes. Steve comes down with a bruise on his forehead; Stanley tells Steve that Eunice has gone to a neighbourhood bar and Steve rushes out to find her. • Stanley then questions Blanche . Evaluation Understanding A Creative Perspective”! He says that. Astrological sign , Blanche , Blanche DuBois 844 Words | 3 Pages. Broken Roses: Analysis on Jar of Hearts.

video. Rose petals become a constant symbol. Katherine Dunham Technique! In the Perri’s “Jar of Hearts” video, the deforestation, rose petals symbolize love falling apart . Dunham Technique! resulting in the death of love and the rebirth of hopeful love. The black rose petals represent Christina Perri not loving her ex-lover anymore. The color black correlates with death and Critical and Creativity: Understanding a Creative Perspective” finality and red roses represent love and dunham technique romance, so black roses must signify the Ovid's Book Essay, death-or finality of love. In the beginning of the video, Perri is sitting on a stoop with black rose petals.

1980 albums , Cher , English-language films 918 Words | 3 Pages. Conflict Between Blanche and Stanley in a Streetcar Named Desire. between Blanche and Stanley was it inevitable that Stanley would be the dunham technique, victor? In Tennessee Williams play A Streetcar Named Desire two of . the main characters Stanley and Ovid's Eighth Analysis Blanche persistently oppose each other, their differences eventually spiral into Stanley's rape of Stella. Stanley (Stella's husband) represents a theme of realism in the play; he is shown as a primitive, masculine character that is katherine irresistible to Stella and on some levels even to analyse, his opponent Stella's sister Blanche . Blanche. Blanche DuBois 1023 Words | 3 Pages.

Baseball legend Pete Rose once said, “I’d walk through hell and gasoline to play baseball.” This quote gives anyone unfamiliar with who Pete . Rose is a great understanding of how much he loved the game of baseball. Pete Rose’s entire life revolved around the game of baseball. He was a hometown hero and played 24 seasons of professional baseball. From 1963-1986, Rose collected more base hits than any player to katherine dunham, ever play the game which would make him a sure first ballot Hall of Famer. However on August. Baseball , Cincinnati Reds , Major League Baseball 3019 Words | 7 Pages. A Streetcar Named Desire - Sympathy for Blanche.

interesting play, by Tennessee Williams. The character ' Blanche DuBois' is created to evoke sympathy, as the story follows her tragic . deterioration in a Creative Perspective”, the months she lived with her sister Stella, and brother-in-law Stanley. After reading the play, I saw Blanche as the victim of Stanley's aggressive ways, and I also saw her as a hero in my eyes. Blanche's devistating past is just one of the reasons I felt sympathy for her. Dunham Technique! Troubled from her past, Blanche has a sence of falseness, which increasingly becomes. A Streetcar Named Desire , Blanche DuBois , Characters in plays 1054 Words | 3 Pages.

A rose is a woody perennial of the genus Rosa, within the family Rosaceae. There are over 100 species. They form a group of schools of economic plants that can be . erect shrubs, climbing or trailing with stems that are often armed with sharp prickles. Technique! Flowers vary in size and shape and are usually large and showy, in colours ranging from white through yellows and reds. Most species are native to Asia, with smaller numbers native to Europe, North America, and northwest Africa. John Barsad! Species, cultivars and hybrids are all widely. Flower , Fruit , Plant stem 526 Words | 2 Pages. Faulkner’s A ROSE FOR EMILY The possible meanings of both the title and the chronology of William Faulkner’s “A Rose for . Emily” have been debated for years. What is not under debate, however, is dunham technique that the chronology deliberately manipulates and delays the reader’s final judgment of john barsad Emily Grierson by altering the evidence. In other words, what the chronology does is as important as when the katherine dunham technique, events actually take place. Analyse! In the same way, what the title does reveals as much as the debate over.

A Rose for dunham technique Emily , Allusion , Barn Burning 1848 Words | 6 Pages. A Rose for Critical Evaluation Leadership from Perspective” Emily By William Faulkner The possible meanings of both the title and katherine dunham the chronology of William Faulkner’s “A . Rose for Emily” have been debated for years. What is not under debate is of economic that the technique, chronology deliberately manipulates and of economic delays the reader’s final judgment of Emily Grierson by altering the evidence. In the katherine dunham technique, same way, the title reveals as much as the debate over what the rose means. The only rose that Emily actually receives is the rose in the title, which the john barsad, author gives. A Rose for Emily , For Emily, Whenever I May Find Her , Joyce Carol Oates 787 Words | 3 Pages. fascination for his daughters attractive friend, Angela. Katherine Technique! Similarly, The title American Beauty is proven to live off the, be significant with the satirical lust between . Lester and technique Angela , Lester realizing the of economic, beauty throughout his life sincerely, and the American beauty rose used as a symbol. This representation allows the director to ultimately suggest that everyone will see the beauty in America and their lives. Katherine Dunham Technique! In the movie American Beauty, the lust portrayed is shown very satirically and creates a deep affect on.

American Beauty , Annette Bening , Kevin Spacey 1074 Words | 3 Pages. Title: Can a Red Rose Be Used for Jam as its Main Ingredient? Rationale: 1. How did you arrive at Eighth Analysis Essay, this problem? Well, because during . our TLE class, I actually can’t stop looking at my rose that im growing in the school’s garden. Katherine Technique! That’s when I got curious and started to think if these roses were edible. 2. Why do you like to investigate that kind of problem where in fact there are hundreds of other problems? First of all, when I was observing the roses , I was pretty hungry and second. Citrus , Essential oil , Flower 626 Words | 3 Pages. Fantasy vs. Reality | Blanche vs. Stanley.

One day Stella’s sister, Blanche , comes to visit. Evaluation On ВЂњLeadership! Blanche is a fading southern belle, slightly older than Stella, and works as a . representative for Stella’s old high-class life at their childhood home, a big plantation in Mississippi called Belle Reve. There is a notable tension in the air between the two sisters, and conflict arises when Stanley, Stella’s husband, immediately develops distaste for Blanche . When Stanley discovers hidden truths about katherine technique, Blanche’s past, Blanche is forced to what, deal with the. A Streetcar Named Desire , Blanche DuBois , Characters in plays 1643 Words | 4 Pages. Investigatory Project About Lotions. CHAPTER I INTRODUCTION The purpose of my project is to katherine, introduce my product which is “perfume made from rose and sun flower”.Nowadays . Evaluation On ВЂњLeadership Understanding Leadership From A Creative! perfume is the common thing that people are using.Where using it when we will arrive in our house or when we go outside.I choose perfume because it is indemand and many people using perfumes. Many perfumes factory are using chemicals in katherine dunham technique, their perfumes. We need to find another way on how we can made natural perfumes that has a natural ingridients.

That’s why I. Aroma compound , Bottle , Distillation 616 Words | 3 Pages. Philosophical View of the Little Prince. of the Little Prince. Through this book, the real essence of love is to be explained in line with the the land, self-other relation.

The concept of “The Look” will . Dunham! be used to explain the conflict of the analyse essay, characters in the story, especially the story of the rose and the Little Prince. “The Look” is to see yourself how others see you. You are conscious of your existence because you are aware that others see you. Dunham! The book of The Little Prince tells us the story of john barsad a pilot who crashed and was stranded in the. Antoine de Saint-Exupery , Doubt , Harold Pinter 2961 Words | 7 Pages. has hope in katherine dunham, many ways. On ВЂњLeadership Understanding Leadership From Problem-Solving Perspective”! One of the ways is that she is katherine dunham always with her daughter, Pearl.

Another way is when we see a rose bush when the times . are hard. The rose bush is present during hard times and in fatta the land, ways that give Hester a sense of hope and faith. A way to keep Hester alive and full of hope was seeing Pearl with her, living her life, and sometimes nature also helped. Overall the rose bush and Pearl are symbols created by Hawthorne in order to show that hope and dunham faith are always present; even through. Hester Prynne , Nathaniel Hawthorne , Prison 1092 Words | 3 Pages. picture of a crime scene. The reader identifies the off the fatta, criminal as rain, because “the rose /still holds/ a few tears of the technique, morning rain that/ . broke it from its stem.” Water here symbolizes death. The rose’s death was violent and sorrowful as the destructive verb “broke” is analyse essay sample employed after a dry line break, separating the sentence in katherine, two incompatible verses that cannot be stitched back together.

Even though the rose is dead as a whole, the speaker emphasizes the fact that “a speck” of life “shines”. Black Mountain poets , Denise Levertov , Free verse 2419 Words | 6 Pages. stories for children by Oscar Wildefirst published in May 1888. It contains five stories, The Happy Prince, The Nightingale and Critical Evaluation on “Leadership Understanding from Perspective” the Rose , . The Selfish Giant, The Devoted Friend, and dunham The Remarkable Rocket. Critical Evaluation And Creativity: Understanding Problem-Solving! It is most famous for its title story, The Happy Prince. Contents [hide] • 1 The Happy Prince o 1.1 Adaptations • 2 The Nightingale and katherine dunham technique the Rose o 2.1 Adaptations o 2.2 Literary Adaptations • 3 The Selfish Giant o 3.1 Adaptations • 4 The Devoted Friend • 5 The Remarkable. Composer , Hooper Brewster-Jones , Jazz 2148 Words | 6 Pages. Beauty and the Beast Retelling with Artists Abstract. young daughter was having with Beau’s mom, who looked utterly entranced in what the deforestation cause, girl was telling her. “She told me about a mansion on a hill outside of katherine dunham technique . Ovid's Eighth Passage Analysis! a forest just outside of the city that had a rose bush which held the most beautiful roses in the world!

She said that if a man picked a rose from there and technique gave it to schools, the woman he loved she would be his forever!” “Honey, what are you talking about? Who told you this story?” The child’s mother, who also tuned in for the last portion of the. English-language films , Fairy tale , Marriage 2904 Words | 7 Pages. Is the Play a Streetcar Named Desire a Tragedy for Blanche or Stella? Streetcar Named Desire” a tragedy for Blanche or Stella? Aristotle stated “the structure of the best tragedy should…be… complex” . representing” incidents arousing pity and dunham technique fear “. It’s understood that the focus of tragedy is human suffering and a tragedy must be accessible to audiences, creating a shared catharsis. Although Aristotle refers to classical tragedies, a domestic tragedy like “A Streetcar Named Desire” ensures a greater understanding as it is realistic. Does Deforestation! Blanche , as the protagonist, endures. Anagnorisis , Audience , Blanche DuBois 1674 Words | 5 Pages. example the following lines have the rhyming scheme AABB: The splendour of the night sky Is mirrored by your eyes Your smile like a rose . unfolds To show the beauty of your soul Alternate rhyme is technique where non-consecutive lines rhyme, for example the following lines have the rhyming scheme ABAB: The splendour of the does, night sky The beauty of a blooming rose Are mirrored in your eyes And captured by your soul Rhythm Rhythm is the katherine, metre or beat within a poem. Ovid's Eighth Book Passage Analysis Essay! Rhythm can be described as.

Alliteration , Analogy , Assonance 1126 Words | 10 Pages. to stop and smell the roses ?’” Kody said softly not meaning for technique Eddy to take it literally. Ovid's Eighth! “Fine! If you want me to smell . roses so bad I will,” Eddy said harshly. Eddy spied around until he spotted a rose bush at the bottom of a small hill. “I’ll add some fun to technique, it and jump into it first!” Eddy said as he took off toward the hill. Analyse Essay! “Eddy! Don’t! Roses have thorns!” Fred yelled.

Sadly, Eddy was too far away and didn’t hear him. Slam! Eddy landed trunk first into the rose bush. “Eddy!” the friends. Doctor , English-language films , John Hurt 1064 Words | 3 Pages. close up shot of a red rose . Technique! This rose represents the first act of change it showed comparison between the one red . Essay! rose and everything else in Black and white. Katherine Dunham! It also showed how love and emotion had been brought into the world for the first time with the use of the red rose . Schools Of Economic! We learn from this initial scene how bizarre change can appear to us if we have never experienced it before as we saw with skip when he was sexually awakened he was frightened and when he saw the rose he was mesmerized and katherine technique shocked. Anger , Black-and-white , English-language films 1041 Words | 3 Pages. lily and Critical and Creativity: Understanding Leadership from Problem-Solving Perspective” the rose , long, long had been Rivals for that high honour. Bards of power Had sung their claims. The rose can never . tower Like the pale lily with her Juno mien-- But is the katherine, lily lovelier?

Thus between Flower-factions rang the Critical on “Leadership and Creativity: Leadership from a Creative Problem-Solving Perspective”, strife in Psyche's bower. Katherine Dunham Technique! Give me a flower delicious as the rose And stately as the Critical Evaluation from Perspective”, lily in her pride-- But of what colour?-- Rose -red, Love first chose, Then prayed,--No, lily-white,--or, both provide; And Flora gave the lotus, rose -red dyed, . Poetic form , Poetry , Roman mythology 1500 Words | 5 Pages. Tarnopol, there were glass roses . Pretty little flowers made of red glass. Technique! My mother was very proud of them. John Barsad! She would let no one touch them… . when the technique, first bomb fell, farther down the street, the glass roses were shaken from the mantel and they fell on the floor and Critical on “Leadership Understanding Leadership from a Creative Perspective” broke in a million pieces.” “There is katherine dunham technique not much room in the world for glass roses ” This quotation shows Nowlan allowing the Ovid's Eighth Passage Analysis Essay, destruction of katherine dunham a beautiful glass rose . Through Leka’s stories, Nowlan uses the glass rose as a representation of. Conflict , Man , Mind 1422 Words | 3 Pages. Concepts of schools of economic Identity - American Beauty. sell this house today” to herself. Carolyn, intrinsically, is an insecure woman and by that, she hides her insecurities with her perfection; constantly . being in control of the family’s life force which was represented in the scene where she cuts the roses stem. Katherine Dunham Technique! The way Ball explains it, the color red is the life force, Carolyn cuts the live off the, life force.

Lester, Carolyn’s husband and katherine technique the protagonist of the film, works for john barsad an advertising agency and has become a prisoner towards his career and his wife. English-language films , Family , Identity 800 Words | 3 Pages. such as ‘red- rose ’, ‘satin cloth’, ‘cute card’, ‘kissogram’ and brings a Copernican revolution with the option of katherine dunham “Onion” as a gift which acts . as an extended metaphor throughout the analyse sample, poem. Dunham Technique! Insofar as the techniques are concerned, the poetess employs imagery, symbolism, word choice and live fatta the land structure so as to entrench in the mind of the reader that “Valentine” is an unusual love-poem. The poem commences with a negative note “not a red rose ” to slash the traditional offering of rose or satin cloth. English-language films , Love , Marriage 974 Words | 2 Pages. ?THE NIGHTINGALE AND THE ROSE By - Oscar Wilde “She said . that she would dance with me if I brought her red roses ,” cried the young Student; “but in all my garden there is no red rose .” From her nest in the holm-oak tree the Nightingale heard him, and she looked out dunham through the leaves, and wondered. “No red rose in all my garden!” he cried, and his beautiful eyes filled with tears. Essay Sample! “Ah, on what little things does. 2008 albums , 2008 singles , Billboard Hot Adult Contemporary Tracks number-one singles 2348 Words | 6 Pages. the narrator learned more about where the little man (whom he called the little prince) came from. He was from a tiny planet which the narrator believed to . be called Asteroid B-612.

The planet was inhabited by a type of katherine plant called baobab, a single rose whom the john barsad, little prince cared for, and three volcanoes that he cleaned regularly. One day, bothered by katherine dunham technique the rose’s vanity and lies, the little prince decided to leave the planet to explore the Ovid's Book Passage Analysis, universe. Katherine Dunham Technique! He then visited six neighboring asteroids that. Antoine de Saint-Exupery , Boa constrictor , Earth 1794 Words | 5 Pages. You might even get cuttings out of your garden to brighten up a room or for the fragrance.

Flowers also have healing properties. Schools Of Economic Thought! Not only do flowers help . relieve stress, they are used in katherine, medicine. For example, rose petals are most commonly used by women for john barsad relieving heavy periods. Rose hips are found in dunham technique, vitamin C. Hibiscus flowers are extremely helpful in diuretics. Passionflower calms the nerves and helps you sleep. Violets reduce fever. Ovid's Eighth Book Essay! Chrysanthemums are good for headaches and high blood pressure. Calendula , Flower , Fruit 2006 Words | 7 Pages. Investigatory Project Proposal (Unfinished) 2013 The Potential of Zonrox® Bleach in Maintaning the Freshness of Roses (Rosa indica) An Investigatory Science Proposal prepared by: . Katherine Dunham! Ma.

Julia Francesca Agana Veronica Dee Naveen Devnani III – ZHI Mrs. John Barsad! Juliet Capungcol Chapter 1: Introduction A. Background of the katherine dunham, Study For our Investigatory Science Proposal, we intend to find out if the practice of putting Zonrox ® bleach in water to prolong rose (Rosa indica) freshness is indeed true. Zonrox ® bleach has always been. Bleach , Chlorine , Disinfectant 885 Words | 4 Pages. Scarlet Letter Final Exam: Expressions of the analyse sample, Transcendentalists. Victoria Clark Scarlet Letter Final Exam: Expressions of the Transcendentalists “Nobody knows this little Rose ” by Emily Dickinson expresses . how important a rose actually is to its environment and without the rose being of katherine existence will affect the objects that are close to it.

Dickinson goes onto schools thought say what is affected by the loss of the rose . Also in The Scarlet Letter by Nathaniel Hawthorne he emphasizes how when a situation alters that there is a different way of life that comes with it. Emily. Emily Dickinson , English-language films , Flower 1473 Words | 4 Pages. arrangement. It has a single big flower as the focal point and drooping flower branches are added to katherine technique, each side. Rose is the main flower used as . the focal point in this type of flower arrangement.

Horizontal flower arrangements are very low and hence are suitable for center table decorations. Vertical arrangement- It is a very tall flower arrangement. Very tall stems of flowers and leaves like tulips, roses and carnations are used for schools thought this type of katherine technique flower arrangement. Shorter fillers like forget-me-not are used. Arrangement , Flower , Flowers 754 Words | 3 Pages.

lifts his head and sees me, he starts to smile and can't stop. All I keep hearing in my head is his name. Of Economic! Xavier would bring me a beautiful purple . rose every morning. Then on katherine technique, Valentine's Day, he bought me a stuffed teddy bear and on the tummy of the Critical on “Leadership and Creativity: Leadership from Perspective”, bear it said, I like you a lot. There was also a box of Belgium chocolates and a card. Dunham! The card read, Roses are Red, Violets are Blue, You are special and I want to go out with you. That was the cutest card anyone has ever given me. I told him yes that. Black hair , Brown hair , Debut albums 969 Words | 3 Pages. flowers Municipal offline Avatar municipal flower of great beauty with red and fatta the land purple and other colors and the rose nicknamed Queen of . flowers because the Avatar has a beautiful shape and the smell of a smart stay long and seeing the flowers before sunset to extend the life of Rose and reap a portion is a short section by dunham scissors so as not to dissection tree offline and then placed Rose immersing the john barsad, leg in the water in the deep water for about an hour.

Lotus flower Is the dunham technique, flower was taken by. Flower , Flowering plant , Fruit 2058 Words | 7 Pages. Karlo Mila emphasizes that love is not a bunch of red roses . Ovid's Analysis Essay! Normally, people have the technique, common misconception that Roses symbolises . love. Hence, on Valentines Day, everyone starts buying a boutique of roses for their loved ones. However, Karlo Mila believes that true love cannot be shown by just a boutique of roses ; instead, she believes that love is / the pruning / the watering / the pruning / the tending. Karlo Mila believes that even if the roses are long stemmed / bikini lined / full lipped / red. Brothers Grimm , Cinderella , Fairy tale 908 Words | 3 Pages.

film American Beauty, Not only did Sam Mendes implant a motif of red, he also incorporated a motif of the red rose . Roses in . American culture are the ultimate symbol of love, life and death. Flowers are a large part of the john barsad, American culture. Katherine Dunham Technique! They have come to symbolize compassion, caring and love. The beauty of roses are superceded with danger, for they have thorns that can prick. Roses epitomize beauty; perhaps that is why they chose the title American Beauty. And Creativity: Understanding A Creative Perspective”! The title American Beauty is a hodgepodge. American Beauty , Color , Green 1659 Words | 4 Pages. explains death as affecting such as a disease. Katherine Dunham Technique! Milton compares Edward King to roses and his unaware death to a disease. “As killing as the . canker to the rose , Or taint-worm to the weanling herds that graze, Or frost to flowers that their gay wardrobe wear When first the white-thorn blows; Such, Lycidas, thy loss to shepherd’s ear. Milton compares the news of King’s death, “as killing as the canker to the rose .” This again is explaining King’s death as an early and unprepared death.

Edward King , Elegy , John Milton 1268 Words | 4 Pages. William Faulkner is one of the most famous American writers in the American Prose since 1945. He writes a lot of novels with reality and experimentation . which he has collected from society in schools thought, his time and from village he has been living in years. Dunham! “A rose for Emily” is one of his major works. Faulkner respectively uses ingenious ways to present his story of horror. He leaves the reader feel Emily Grierson is a pitiful heroine because she always refused to adapt to the changing times and therefore led. A Rose for schools thought Emily , American literature , Joyce Carol Oates 2471 Words | 7 Pages. a bouquet of red roses held in her small hands, drew all eyes to katherine technique, her… The grey was [now] in the background from which he beauty blazed” . (7-8). On the narrators wedding day, a very important day, the grey was still there.

He still saw everything around him saddening even on john barsad, his wedding day. Katherine Dunham! The only thing important to the narrator was Rachel which made him not care about what was going on around him. When he saw Rachel in her dress with the bouquet of red roses the grey was put into. Depression , Fiction , Narrative 528 Words | 4 Pages. daughters what she would like as a present on john barsad, his return. The first daughter wanted a brocade dress, the second a pearl necklace, but the third, whose name . was Beauty, the youngest, prettiest and sweetest of them all, said to her father: All I'd like is katherine dunham a rose you've picked specially for me! When the merchant had finished his business, he set off for live off the fatta the land home. However, a sudden storm blew up, and his horse could hardly make headway in the howling gale. Katherine Dunham Technique! Cold and weary, the merchant had lost all hope of reaching. 2005 singles , Debut albums , English-language films 1366 Words | 3 Pages.

swim and help many people One fine evening Dan’s phone rang, someone was drowning in the Diver Dam Quickly Dan grabbed his dog and drove to deforestation cause, Divers Dam to . save the person Dan’s dog dove deep in the Dam, drinking dirty water as he dove Dan’s dog rose with Dave on katherine dunham, his back, everyone is glad to does deforestation, see him alive Dan’s dog became known as the town’s life guard. Onomatopoeia Samuel’s Water Samuel needed to go get water from the town’s pond He grabs the bucket and katherine starts his walk The pond is of economic thought in. Dog , Love , Rose 879 Words | 5 Pages. Autie Mautie: Leigh Brasington-Appointment with Love. art with me. He had remembered and it had renewed his strength.

Now he was going to hear her real voice. Technique! Four minutes to six. Live The Land! A girl passed close to . Dunham Technique! him, and Lieutenant Blandford started. She was wearing a flower, but it was not the little red rose they had agreed upon. Besides, the girl was only about 18, and of economic Hollis Meynell had told him she was 30.

What of katherine dunham it? he had answered. I'm 32. He was 29. His mind went back to that book he had read in the training camp. Of Economic Thought! Of Human Bondage, it was;.

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Transcript: Barack Obama's Speech on Race. Click to view mentions of key words in Obama's speech. hide caption. The number of times Obama used these key words in his March 18 speech on race in Philadelphia. The following is a transcript of the dunham technique remarks of Democratic Illinois Sen. Barack Obama, delivered March 18, 2008, in Philadelphia at the Constitution Center. In it, Obama addresses the role race has played in the presidential campaign. He also responds to criticism of the Rev. Jeremiah Wright, an Evaluation Understanding from Problem-Solving, unpaid campaign adviser and pastor at Obama's Chicago church. Wright has made inflammatory remarks about the United States and has accused the katherine dunham country of bringing on Ovid's Eighth Book Analysis Essay the Sept.

11 attacks by spreading terrorism. We the people, in order to form a more perfect union . — 221 years ago, in a hall that still stands across the street, a group of men gathered and, with these simple words, launched America's improbable experiment in democracy. Farmers and scholars, statesmen and patriots who had traveled across an katherine technique, ocean to escape tyranny and on “Leadership and Creativity: Problem-Solving Perspective”, persecution finally made real their declaration of independence at a Philadelphia convention that lasted through the spring of 1787. The document they produced was eventually signed but ultimately unfinished. It was stained by katherine this nation's original sin of slavery, a question that divided the colonies and deforestation, brought the convention to a stalemate until the katherine founders chose to allow the john barsad slave trade to continue for at least 20 more years, and to leave any final resolution to technique future generations. Of course, the answer to the slavery question was already embedded within our Constitution — a Constitution that had at its very core the ideal of schools equal citizenship under the law; a Constitution that promised its people liberty and justice and a union that could be and should be perfected over time. And yet words on a parchment would not be enough to deliver slaves from katherine technique, bondage, or provide men and Critical Evaluation on “Leadership Understanding Leadership from a Creative, women of technique every color and creed their full rights and obligations as citizens of the essay United States. Katherine? What would be needed were Americans in successive generations who were willing to off the the land do their part — through protests and katherine dunham, struggles, on the streets and in the courts, through a civil war and civil disobedience, and always at great risk — to narrow that gap between the promise of our ideals and the reality of their time. This was one of the tasks we set forth at the beginning of this presidential campaign — to Ovid's Eighth Analysis Essay continue the long march of those who came before us, a march for dunham technique, a more just, more equal, more free, more caring and more prosperous America.

I chose to run for president at this moment in history because I believe deeply that we cannot solve the challenges of our time unless we solve them together, unless we perfect our union by understanding that we may have different stories, but we hold common hopes; that we may not look the same and we may not have come from the same place, but we all want to move in the same direction — toward a better future for our children and does cause, our grandchildren. This belief comes from my unyielding faith in the decency and generosity of the American people. But it also comes from my own story. I am the son of a black man from Kenya and a white woman from Kansas. Katherine Dunham? I was raised with the help of essay sample a white grandfather who survived a Depression to serve in Patton's Army during World War II and a white grandmother who worked on a bomber assembly line at technique, Fort Leavenworth while he was overseas.

I've gone to some of the best schools in America and lived in one of the Evaluation on “Leadership and Creativity: from world's poorest nations. I am married to a black American who carries within her the katherine blood of slaves and slaveowners — an inheritance we pass on live off the fatta the land to our two precious daughters. I have brothers, sisters, nieces, nephews, uncles and cousins of every race and every hue, scattered across three continents, and for as long as I live, I will never forget that in no other country on Earth is my story even possible. It's a story that hasn't made me the katherine dunham most conventional of candidates. But it is a story that has seared into my genetic makeup the idea that this nation is more than the sum of Analysis its parts — that out of many, we are truly one. Throughout the first year of this campaign, against all predictions to the contrary, we saw how hungry the American people were for this message of katherine technique unity. Live Fatta? Despite the temptation to view my candidacy through a purely racial lens, we won commanding victories in states with some of the whitest populations in the country. In South Carolina, where the Confederate flag still flies, we built a powerful coalition of African-Americans and white Americans.

This is not to say that race has not been an katherine technique, issue in this campaign. At various stages in the campaign, some commentators have deemed me either too black or not black enough. We saw racial tensions bubble to the surface during the week before the South Carolina primary. The press has scoured every single exit poll for the latest evidence of racial polarization, not just in terms of white and black, but black and brown as well. And yet, it has only been in the last couple of weeks that the discussion of race in this campaign has taken a particularly divisive turn.

On one end of the Ovid's Analysis spectrum, we've heard the implication that my candidacy is somehow an exercise in affirmative action; that it's based solely on katherine dunham technique the desire of wide-eyed liberals to purchase racial reconciliation on the cheap. On the other end, we've heard my former pastor, Jeremiah Wright, use incendiary language to schools of economic express views that have the potential not only to widen the racial divide, but views that denigrate both the greatness and the goodness of our nation, and that rightly offend white and dunham, black alike. I have already condemned, in unequivocal terms, the statements of schools of economic Reverend Wright that have caused such controversy and, in some cases, pain. For some, nagging questions remain. Did I know him to be an occasionally fierce critic of American domestic and foreign policy? Of course. Did I ever hear him make remarks that could be considered controversial while I sat in technique the church?

Yes. Did I strongly disagree with many of his political views? Absolutely — just as I'm sure many of you have heard remarks from your pastors, priests, or rabbis with which you strongly disagreed. But the remarks that have caused this recent firestorm weren't simply controversial. They weren't simply a religious leader's efforts to Critical Evaluation on “Leadership and Creativity: Understanding Leadership from a Creative Problem-Solving Perspective” speak out against perceived injustice. Instead, they expressed a profoundly distorted view of this country — a view that sees white racism as endemic, and that elevates what is katherine dunham, wrong with America above all that we know is right with America; a view that sees the conflicts in essay sample the Middle East as rooted primarily in the actions of katherine dunham technique stalwart allies like Israel, instead of emanating from the perverse and hateful ideologies of radical Islam. As such, Reverend Wright's comments were not only wrong but divisive, divisive at a time when we need unity; racially charged at live the land, a time when we need to come together to solve a set of monumental problems — two wars, a terrorist threat, a falling economy, a chronic health care crisis and potentially devastating climate change — problems that are neither black or white or Latino or Asian, but rather problems that confront us all.

Given my background, my politics, and my professed values and dunham technique, ideals, there will no doubt be those for whom my statements of condemnation are not enough. Why associate myself with Reverend Wright in the first place, they may ask? Why not join another church? And I confess that if all that I knew of john barsad Reverend Wright were the snippets of those sermons that have run in an endless loop on the television sets and YouTube, or if Trinity United Church of Christ conformed to the caricatures being peddled by some commentators, there is no doubt that I would react in much the same way. But the technique truth is, that isn't all that I know of the man. On ВЂњLeadership Understanding Leadership From A Creative Problem-Solving? The man I met more than 20 years ago is a man who helped introduce me to my Christian faith, a man who spoke to me about dunham our obligations to love one another, to care for the sick and lift up the poor. He is schools of economic thought, a man who served his country as a United States Marine; who has studied and lectured at some of the finest universities and seminaries in the country, and who for dunham technique, over 30 years has led a church that serves the community by doing God's work here on Earth — by housing the homeless, ministering to the needy, providing day care services and scholarships and prison ministries, and essay sample, reaching out to those suffering from HIV/AIDS. In my first book, Dreams From My Father , I describe the experience of my first service at dunham technique, Trinity:

People began to shout, to rise from their seats and clap and cry out, a forceful wind carrying the analyse sample reverend's voice up into the rafters. Katherine Technique? And in Critical on “Leadership and Creativity: Understanding Leadership Problem-Solving that single note — hope! — I heard something else: At the foot of that cross, inside the thousands of churches across the city, I imagined the stories of ordinary black people merging with the dunham stories of Evaluation and Creativity: Leadership from a Creative Perspective” David and Goliath, Moses and dunham technique, Pharaoh, the Eighth Passage Essay Christians in the lion's den, Ezekiel's field of dry bones. Technique? Those stories — of survival and freedom and hope — became our stories, my story. The blood that spilled was our blood, the tears our tears, until this black church, on this bright day, seemed once more a vessel carrying the story of a people into future generations and into a larger world. Our trials and triumphs became at once unique and universal, black and more than black. In chronicling our journey, the stories and songs gave us a meaning to reclaim memories that we didn't need to feel shame about — memories that all people might study and cherish, and with which we could start to rebuild.

That has been my experience at Trinity. Like other predominantly black churches across the country, Trinity embodies the black community in its entirety — the doctor and john barsad, the welfare mom, the katherine dunham model student and the former gang-banger. Thought? Like other black churches, Trinity's services are full of katherine raucous laughter and sometimes bawdy humor. They are full of dancing and Ovid's Book Passage Analysis, clapping and screaming and shouting that may seem jarring to the untrained ear. The church contains in full the kindness and cruelty, the fierce intelligence and the shocking ignorance, the struggles and successes, the love and, yes, the bitterness and biases that make up the black experience in America. And this helps explain, perhaps, my relationship with Reverend Wright. As imperfect as he may be, he has been like family to me. Katherine Technique? He strengthened my faith, officiated my wedding, and baptized my children.

Not once in my conversations with him have I heard him talk about any ethnic group in derogatory terms, or treat whites with whom he interacted with anything but courtesy and respect. He contains within him the contradictions — the good and the bad — of the community that he has served diligently for so many years. I can no more disown him than I can disown the black community. On ВЂњLeadership And Creativity: Understanding Leadership From A Creative Problem-Solving Perspective”? I can no more disown him than I can disown my white grandmother — a woman who helped raise me, a woman who sacrificed again and again for me, a woman who loves me as much as she loves anything in this world, but a woman who once confessed her fear of black men who passed her by on the street, and who on more than one occasion has uttered racial or ethnic stereotypes that made me cringe. These people are a part of katherine me.

And they are part of America, this country that I love. Some will see this as an schools, attempt to katherine dunham justify or excuse comments that are simply inexcusable. I can assure you it is not. I suppose the politically safe thing to do would be to move on from this episode and just hope that it fades into the woodwork. We can dismiss Reverend Wright as a crank or a demagogue, just as some have dismissed Geraldine Ferraro, in john barsad the aftermath of her recent statements, as harboring some deep-seated bias. But race is an issue that I believe this nation cannot afford to katherine dunham technique ignore right now. We would be making the same mistake that Reverend Wright made in does deforestation his offending sermons about America — to dunham technique simplify and stereotype and amplify the negative to john barsad the point that it distorts reality. The fact is that the comments that have been made and the issues that have surfaced over the last few weeks reflect the complexities of race in this country that we've never really worked through — a part of our union that we have not yet made perfect. And if we walk away now, if we simply retreat into our respective corners, we will never be able to come together and katherine dunham technique, solve challenges like health care or education or the need to find good jobs for every American. Understanding this reality requires a reminder of how we arrived at schools thought, this point. As William Faulkner once wrote, The past isn't dead and buried.

In fact, it isn't even past. We do not need to katherine recite here the history of racial injustice in this country. But we do need to remind ourselves that so many of the off the fatta the land disparities that exist between the African-American community and the larger American community today can be traced directly to inequalities passed on from an katherine dunham technique, earlier generation that suffered under the brutal legacy of slavery and of economic, Jim Crow. Segregated schools were and are inferior schools; we still haven't fixed them, 50 years after Brown v. Board of katherine dunham technique Education. And the inferior education they provided, then and now, helps explain the pervasive achievement gap between today's black and white students. Legalized discrimination — where blacks were prevented, often through violence, from owning property, or loans were not granted to African-American business owners, or black homeowners could not access FHA mortgages, or blacks were excluded from unions or the john barsad police force or the fire department — meant that black families could not amass any meaningful wealth to bequeath to katherine future generations. That history helps explain the wealth and income gap between blacks and whites, and the concentrated pockets of poverty that persist in analyse essay so many of today's urban and dunham, rural communities. A lack of economic opportunity among black men, and the shame and frustration that came from not being able to provide for one's family contributed to the erosion of black families — a problem that welfare policies for analyse essay sample, many years may have worsened. Katherine Dunham? And the lack of Critical on “Leadership Understanding Perspective” basic services in dunham so many urban black neighborhoods — parks for kids to play in, police walking the beat, regular garbage pickup, building code enforcement — all helped create a cycle of violence, blight and neglect that continues to haunt us. This is the reality in which Reverend Wright and john barsad, other African-Americans of his generation grew up.

They came of age in the late '50s and early '60s, a time when segregation was still the law of the land and opportunity was systematically constricted. What's remarkable is dunham technique, not how many failed in the face of discrimination, but how many men and women overcame the odds; how many were able to make a way out of no way, for those like me who would come after them. For all those who scratched and john barsad, clawed their way to katherine dunham get a piece of the American Dream, there were many who didn't make it — those who were ultimately defeated, in one way or another, by discrimination. What Deforestation Cause? That legacy of defeat was passed on to future generations — those young men and, increasingly, young women who we see standing on street corners or languishing in our prisons, without hope or prospects for the future. Even for katherine, those blacks who did make it, questions of race and racism continue to define their worldview in fundamental ways. Critical Evaluation On ВЂњLeadership Understanding From Problem-Solving Perspective”? For the men and women of Reverend Wright's generation, the memories of humiliation and katherine dunham, doubt and fear have not gone away; nor has the john barsad anger and the bitterness of those years. That anger may not get expressed in public, in front of white co-workers or white friends. But it does find voice in the barbershop or the beauty shop or around the kitchen table.

At times, that anger is exploited by dunham politicians, to Passage Essay gin up votes along racial lines, or to make up for a politician's own failings. And occasionally it finds voice in the church on Sunday morning, in the pulpit and in katherine the pews. The fact that so many people are surprised to hear that anger in some of analyse Reverend Wright's sermons simply reminds us of the old truism that the most segregated hour of technique American life occurs on Sunday morning. That anger is what does cause, not always productive; indeed, all too often it distracts attention from solving real problems; it keeps us from squarely facing our own complicity within the African-American community in our condition, and technique, prevents the African-American community from forging the alliances it needs to bring about of economic real change. But the anger is real; it is powerful. And to simply wish it away, to technique condemn it without understanding its roots, only serves to cause widen the chasm of misunderstanding that exists between the races.

In fact, a similar anger exists within segments of the white community. Most working- and middle-class white Americans don't feel that they have been particularly privileged by their race. Their experience is the immigrant experience — as far as they're concerned, no one handed them anything. Technique? They built it from scratch. They've worked hard all their lives, many times only to see their jobs shipped overseas or their pensions dumped after a lifetime of labor. They are anxious about their futures, and they feel their dreams slipping away. And in live off the fatta the land an era of dunham stagnant wages and global competition, opportunity comes to be seen as a zero sum game, in which your dreams come at my expense.

So when they are told to Essay bus their children to a school across town; when they hear an African-American is getting an advantage in landing a good job or a spot in a good college because of an injustice that they themselves never committed; when they're told that their fears about crime in urban neighborhoods are somehow prejudiced, resentment builds over time. Like the anger within the black community, these resentments aren't always expressed in polite company. But they have helped shape the political landscape for at least a generation. Anger over welfare and affirmative action helped forge the Reagan Coalition. Politicians routinely exploited fears of katherine technique crime for their own electoral ends. What Cause? Talk show hosts and katherine dunham, conservative commentators built entire careers unmasking bogus claims of racism while dismissing legitimate discussions of racial injustice and inequality as mere political correctness or reverse racism. Just as black anger often proved counterproductive, so have these white resentments distracted attention from the real culprits of the middle class squeeze — a corporate culture rife with inside dealing, questionable accounting practices and short-term greed; a Washington dominated by lobbyists and special interests; economic policies that favor the few over the many. And yet, to fatta the land wish away the katherine resentments of white Americans, to label them as misguided or even racist, without recognizing they are grounded in legitimate concerns — this too widens the racial divide and Evaluation a Creative Perspective”, blocks the path to understanding. This is where we are right now.

It's a racial stalemate we've been stuck in for years. Katherine Technique? Contrary to the claims of some of my critics, black and live fatta the land, white, I have never been so naive as to believe that we can get beyond our racial divisions in a single election cycle, or with a single candidacy — particularly a candidacy as imperfect as my own. But I have asserted a firm conviction — a conviction rooted in my faith in God and my faith in the American people — that, working together, we can move beyond some of katherine dunham our old racial wounds, and schools, that in fact we have no choice if we are to continue on the path of a more perfect union. For the African-American community, that path means embracing the burdens of our past without becoming victims of our past. It means continuing to insist on a full measure of justice in every aspect of dunham technique American life. But it also means binding our particular grievances — for better health care and what does cause, better schools and katherine dunham technique, better jobs — to Evaluation and Creativity: Understanding Leadership Problem-Solving Perspective” the larger aspirations of all Americans: the white woman struggling to break the glass ceiling, the white man who has been laid off, the dunham technique immigrant trying to schools of economic feed his family. And it means taking full responsibility for our own lives — by demanding more from our fathers, and spending more time with our children, and reading to them, and teaching them that while they may face challenges and discrimination in their own lives, they must never succumb to despair or cynicism; they must always believe that they can write their own destiny. Ironically, this quintessentially American — and yes, conservative — notion of self-help found frequent expression in Reverend Wright's sermons. But what my former pastor too often failed to dunham understand is that embarking on a program of self-help also requires a belief that society can change.

The profound mistake of Reverend Wright's sermons is not that he spoke about racism in our society. It's that he spoke as if our society was static; as if no progress had been made; as if this country — a country that has made it possible for one of his own members to run for off the, the highest office in the land and build a coalition of white and black, Latino and Asian, rich and poor, young and old — is still irrevocably bound to a tragic past. But what we know — what we have seen — is that America can change. That is the true genius of this nation. What we have already achieved gives us hope — the audacity to hope — for what we can and must achieve tomorrow. In the white community, the path to a more perfect union means acknowledging that what ails the African-American community does not just exist in the minds of black people; that the legacy of discrimination — and current incidents of discrimination, while less overt than in the past — are real and must be addressed, not just with words, but with deeds, by investing in katherine dunham technique our schools and on “Leadership Understanding a Creative Problem-Solving, our communities; by enforcing our civil rights laws and ensuring fairness in our criminal justice system; by providing this generation with ladders of opportunity that were unavailable for previous generations.

It requires all Americans to realize that your dreams do not have to come at the expense of katherine dunham my dreams; that investing in john barsad the health, welfare and education of katherine dunham black and brown and white children will ultimately help all of America prosper. In the end, then, what is called for is nothing more and essay sample, nothing less than what all the world's great religions demand — that we do unto others as we would have them do unto us. Let us be our brother's keeper, scripture tells us. Let us be our sister's keeper. Let us find that common stake we all have in one another, and let our politics reflect that spirit as well. For we have a choice in this country. We can accept a politics that breeds division and conflict and cynicism.

We can tackle race only katherine dunham technique, as spectacle — as we did in the O.J. trial — or in the wake of tragedy — as we did in the aftermath of Katrina — or as fodder for the nightly news. We can play Reverend Wright's sermons on fatta every channel, every day and katherine, talk about them from now until the election, and make the john barsad only question in this campaign whether or not the American people think that I somehow believe or sympathize with his most offensive words. We can pounce on some gaffe by katherine a Hillary supporter as evidence that she's playing the fatta race card, or we can speculate on whether white men will all flock to John McCain in the general election regardless of his policies. But if we do, I can tell you that in katherine dunham the next election, we'll be talking about some other distraction. And then another one. And then another one. And nothing will change. That is one option. Or, at this moment, in this election, we can come together and schools of economic thought, say, Not this time. This time, we want to talk about the crumbling schools that are stealing the future of black children and white children and Asian children and dunham, Hispanic children and Native American children. This time, we want to live off the the land reject the cynicism that tells us that these kids can't learn; that those kids who don't look like us are somebody else's problem.

The children of America are not those kids, they are our kids, and we will not let them fall behind in a 21st century economy. Katherine Dunham Technique? Not this time. This time we want to talk about how the lines in the emergency room are filled with whites and blacks and Hispanics who do not have health care, who don't have the power on Ovid's Essay their own to technique overcome the special interests in Washington, but who can take them on john barsad if we do it together. This time, we want to talk about the shuttered mills that once provided a decent life for katherine dunham technique, men and women of every race, and the homes for live off the fatta, sale that once belonged to Americans from dunham, every religion, every region, every walk of life. This time, we want to talk about the fact that the real problem is not that someone who doesn't look like you might take your job; it's that the corporation you work for will ship it overseas for nothing more than a profit. This time, we want to talk about the men and women of thought every color and creed who serve together and fight together and bleed together under the same proud flag. We want to talk about katherine dunham how to bring them home from a war that should have never been authorized and should have never been waged. And we want to talk about off the the land how we'll show our patriotism by caring for technique, them and their families, and giving them the benefits that they have earned.

I would not be running for President if I didn't believe with all my heart that this is what the Eighth Passage Analysis Essay vast majority of Americans want for this country. This union may never be perfect, but generation after generation has shown that it can always be perfected. And today, whenever I find myself feeling doubtful or cynical about this possibility, what gives me the most hope is the next generation — the dunham young people whose attitudes and beliefs and openness to change have already made history in this election. There is Evaluation from Perspective”, one story in particularly that I'd like to leave you with today — a story I told when I had the great honor of dunham technique speaking on Dr. Thought? King's birthday at katherine dunham, his home church, Ebenezer Baptist, in Atlanta.

There is a young, 23-year-old white woman named Ashley Baia who organized for our campaign in Florence, S.C. She had been working to organize a mostly African-American community since the beginning of this campaign, and one day she was at a roundtable discussion where everyone went around telling their story and why they were there. And Ashley said that when she was 9 years old, her mother got cancer. And because she had to Eighth Book miss days of work, she was let go and lost her health care. They had to file for bankruptcy, and that's when Ashley decided that she had to do something to help her mom. She knew that food was one of their most expensive costs, and so Ashley convinced her mother that what she really liked and really wanted to eat more than anything else was mustard and katherine, relish sandwiches — because that was the Ovid's Book Passage Essay cheapest way to eat. That's the mind of a 9-year-old. She did this for a year until her mom got better. So she told everyone at katherine technique, the roundtable that the reason she joined our campaign was so that she could help the millions of other children in the country who want and need to help their parents, too. Now, Ashley might have made a different choice. Eighth Book Analysis? Perhaps somebody told her along the way that the source of her mother's problems were blacks who were on welfare and too lazy to katherine work, or Hispanics who were coming into the country illegally.

But she didn't. She sought out allies in her fight against injustice. Anyway, Ashley finishes her story and then goes around the room and asks everyone else why they're supporting the live off the fatta the land campaign. Dunham Technique? They all have different stories and different reasons. Evaluation And Creativity: From A Creative? Many bring up a specific issue. And finally they come to this elderly black man who's been sitting there quietly the entire time. Technique? And Ashley asks him why he's there. And he does not bring up a specific issue. Live? He does not say health care or the economy.

He does not say education or the war. He does not say that he was there because of Barack Obama. He simply says to everyone in the room, I am here because of katherine technique Ashley. I'm here because of Ashley. By itself, that single moment of Critical on “Leadership a Creative Perspective” recognition between that young white girl and that old black man is not enough.

It is not enough to give health care to the sick, or jobs to the jobless, or education to our children. But it is where we start. Dunham Technique? It is live, where our union grows stronger. And as so many generations have come to realize over dunham the course of the 221 years since a band of patriots signed that document right here in Philadelphia, that is where the perfection begins.

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CO-OP health plans: patients’ interests first. By Louise Norris healthinsurance.org contributor August 27, 2017. It’s been a rough few years for katherine dunham technique, the ACA’s Consumer Operated and Evaluation on “Leadership and Creativity: Leadership Problem-Solving Perspective”, Oriented Plans. There were 23 CO-OPs when the first open enrollment period got underway in dunham, the fall of 2013, but by the beginning of Critical Evaluation and Creativity: Leadership from a Creative Perspective”, 2016, only 11 of them were still operational. By July 2016, four additional CO-OPs – in Ohio, Connecticut, Oregon, and Illinois – had failed. And in katherine dunham technique, September, Health Republic Insurance of schools of economic thought, New Jersey stopped offering new plans and announced that their existing plans would terminate at dunham the end of 2016 (unlike the other CO-OPs that have failed, state regulators in New Jersey were initially saying that it might be possible for Ovid's, Health Republic to be rehabilitated enough to return to technique, the market in 2018, but that ultimately was not the case, and an order of liquidation was filed in Evaluation on “Leadership and Creativity: Understanding Leadership a Creative Perspective”, February 2017). In December 2016, more than a month after open enrollment began for 2017 coverage, Maryland regulators announced that Evergreen Health CO-OP would not renew or issue individual market plans for 2017, leaving just five CO-OPs offering coverage in katherine, 2017 (Maryland regulators made an administrative order in July 2017 that is expected to lead to receivership for Evergreen Health). In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the end of 2017. Their intent at Ovid's Book Analysis that point was to reopen in katherine dunham, 2018 as Minuteman Insurance Company (and to have plans available for sale during open enrollment in the fall of 2017 under that name), which was to have been a for-profit insurer rather than a CO-OP.

But by mid-August, they had failed to raise enough capital by the deadline to secure a license to Ovid's Book Analysis Essay, sell coverage for katherine dunham, 2018, and would not be able to Critical on “Leadership and Creativity: a Creative, re-open as Minuteman Insurance Company in 2018. Minuteman Health has been placed in receivership by the Massachusetts Division of technique, Insurance, and their plans will terminate at the end of 2017. After all the schools of economic closures, there are just four CO-OPs slated to offer coverage in 2018, in five states: Maine, Montana, Idaho, New Mexico, and Wisconsin. The CO-OP failures have been due in large part to a combination of premiums that were too low, benefits that were too generous, enrollees who were sicker than anticipated, competition from bigger carriers with larger reserves, the risk corridor shortfall that was announced in the fall of 2015, and the risk adjustment payment announcements that were made in katherine, June 2016 (see below for a timeline of the closures). The Trump Administration’s approach to health care reform, and GOP lawmakers’ efforts to Ovid's Book Analysis Essay, repeal and katherine technique, replace the ACA (via bills written in Critical on “Leadership Understanding from a Creative Problem-Solving, secret that bypass the normal bipartisan committee process), have further increased the uncertainty that insurers are facing, making the situation even more precarious for katherine technique, small insurers like the remaining CO-OPs. 2018: 4 CO-OPs selling plans in 5 states. There are four CO-OPs that are expected to offer plans in five states in 2018. Although the vast majority of the original CO-OPs have failed, these four are showing signs of overall stability. It’s important to note, however, that if the Trump Administration continues to cause uncertainty and instability in the insurance markets (including Trump’s recent threats to cut off federal funding for cost-sharing reductions), the remaining CO-OPs will be among the most vulnerable.

Community Health Options (CHO) This was originally called Maine Community Health Options, but the essay name was changed to reflect the carrier’s expansion outside of technique, Maine. What Deforestation Cause? 44,000 people enrolled in coverage through the technique exchange in 2014, and 83 percent of them selected Community Health Options, making the CO-OP’s first year an amazing success. CHO expanded into analyse New Hampshire for 2015, fueled by their initial success in 2014 and by a new loan from CMS. During the technique second open enrollment period, CHO once again dominated the Maine market, securing about Eighth Analysis Essay, 80 percent of the exchange market share. They also enrolled about 5,000 people in New Hampshire. However, CHO reported significant losses in katherine dunham, the third quarter of 2015, and decided to analyse essay, limit enrollment in individual plans for 2016. Enrollment directly through Community Health Options ceased December 15, 2015; enrollment in Community Health Options plans through Healthcare.gov ceased December 26. CHO ended 2015 with $74 million in katherine dunham, losses – a far cry from the analyse profitable year they had in 2014.

In early 2016, Maine’s Insurance Superintendent proposed putting the CO-OP in receivership and canceling a portion of its plans (about 20,000 members would have been transitioned to other coverage). But CMS didn’t allow that, saying that the plan cancellations would run afoul of the ACA’s guaranteed-renewable provision. The CO-OP is under increased oversight from the katherine dunham Maine Bureau of live fatta the land, Insurance, which puts out monthly reports that detail how the CO-OP is katherine technique, faring relative to its business plan. According to the July 2017 report from the Bureau of Insurance, CHO’s net income in May 2017 was considerably lower than projected, but year-to-date claims were running just about as-projected. CHO is the only remaining CO-OP that received money—as opposed to having to pay out money—under the risk adjustment program for 2015 and again for 2016. For 2017, Community Health Options had an Eighth average rate increase of 25.5 percent in Maine, where bulk of katherine, their members live. They exited New Hampshire entirely at the end of 2016, and reverted to john barsad, operating solely in Maine, as they did in 2014. They have proposed roughly a 20 percent average rate increase for 2018 in katherine dunham technique, the individual market, where they have about three-quarters of their membership. Their total membership was 67,539 at the end of 2016, and had dropped to 44,015 by the first quarter of 2017 (all in Maine, since they’re no longer offering plans in Ovid's Eighth Passage, New Hampshire).

Mountain Health Cooperative Montana Health CO-OP started in Montana, and katherine dunham technique, expanded to Idaho in 2015. The CO-OP seems to be on relatively solid financial ground. CEO Jerry Dworak noted that the CO-OP didn’t expand too quickly, and maintained substantial reserves; they were not relying as heavily as other CO-OPs on risk corridor payments to shore up their financial position. Average rates for Mountain Health CO-OP in Idaho increased by schools, 26 percent for 2016. Dunham? For 2017, Mountain Health CO-OP’s average rate increase is 29 percent in Idaho, and 31 percent in Montana. Book Essay? As of December 22, 2016, the CO-OP ceased enrollments in Montana due to katherine dunham technique, the “large number of new members for the land, 2017.” The enrollment freeze was lifted in July 2017 for katherine dunham, off-exchange enrollments; on-exchange enrollments in Montana were expected to sample, become available in the summer of katherine dunham technique, 2017 as well. In both cases, this was ahead of analyse essay sample, schedule, as the CO-OP had originally expected the lift the enrollment freeze as of November 1, at katherine the start of open enrollment. In another indication of the john barsad CO-OP’s increasing viability, their average proposed rate increase for katherine dunham technique, 2018 is only 4 percent in Montana.

This demonstrates that the 31 percent average rate increase for off the the land, 2017 may have been enough to stabilize the katherine dunham CO-OP and what, “right-size” the premiums. New Mexico Health Connections The CO-OP had net earnings of $420,000 in the first quarter of 2016, as opposed to a loss of technique, $2.3 million in the first quarter of 2015. Analyse Essay? By the katherine end of the Critical Evaluation on “Leadership and Creativity: from a Creative Problem-Solving 2016 open enrollment period, New Mexico Health Connections had more than 50,000 members, and dunham, the CO-OP had added several big-name employers, including Goodwill Industries of New Mexico, Youth Development Inc., and Heritage Hotels Resorts. NM Health Connections has said that they weren’t counting on significant payments from the risk corridor program in Critical on “Leadership and Creativity: Leadership a Creative Problem-Solving Perspective”, 2015, so the shortage didn’t hurt them as much as it hurt other carriers. New Mexico Health Connections dropped their PPO plans for 2016 in order to focus on plan designs that allow them to better control costs. Several big-name carriers around the country took a similar approach in 2016, and PPOs are less common than they once were in dunham, the individual market. For 2017, New Mexico Health Connections had an of economic thought average rate increase of 33 percent, before any exchange subsidies are applied. They have filed an average rate increase of 30.1 percent for 2018 (much lower than the 84 percent average rate increase they initially filed; the katherine lower rate filing came about once it became clear that other insurers would not be exiting New Mexico’s market and the CO-OP did not have to insulate themselves against a flood of new enrollees). But their average rate increase could be even lower still, and the CEO noted in July that the CO-OP’s proposed rate increases were in the 20 to and Creativity: from a Creative Problem-Solving, 25 percent range. Common Ground Healthcare Cooperative – The CO-OP offers coverage in 19 eastern Wisconsin counties.

The approved weighted average rate increase for Common Ground for katherine dunham technique, 2016 was 18 percent. Sample? The CO-OP had 23,629 enrollees in Wisconsin in 2015. For 2017, the CO-OP had an average rate increase of 12.6 percent. And after losing money from 2014 through 2017, Common Ground Healthcare posted a positive net income of $2.7 million in the first quarter of 2017. 2015 risk adjustment: 9 of 10 CO-OPs owed payments. Under the katherine dunham ACA’s risk adjustment program, health insurers with lower-risk enrollees end up paying money to health insurers with higher-risk enrollees. The idea is to prevent insurers from designing plans that appeal only to healthy enrollees, and to ensure that premiums reflect benefit levels, rather than the overall health of a plan’s enrollees. On June 30, 2016, HHS released data on off the, risk adjustment numbers for 2015.

Of the 10 CO-OPs that were still operational at that point, nine had to pay into the risk adjustment program for 2015; only one remaining CO-OP – Community Health Options in Maine and New Hampshire – received a risk adjustment payment. Dunham Technique? Community Health Options received about $710,000 in risk adjustment funds. Some of the remaining CO-OPs had begun to be profitable in early 2016 (details below), but all of the schools CO-OPs’ financial situations now have to be considered in conjunction with the fact that the CO-OPs will have to pay out the following amounts in risk adjustment payments, making their financial futures even more uncertain (of the dunham technique nine CO-OPs that owed money in 2016 for the risk adjustment program, six have closed or are facing impending closure; only the CO-OPs listed in bold continue to analyse essay, be fully operational) Mountain Health CO-OP/Montana Health CO-OP (Idaho and Montana): $481,000 Oregon Health CO-OP (Community Care of Oregon): $914,000 ( closed; plans ended July 31, 2016 ) Common Ground CO-OP (Wisconsin): $1.9 million Minuteman (operates in Massachusetts and katherine, New Hampshire, but risk adjustment outlay was for NH; MA operates its own risk adjustment program): $11 million (Minuteman has filed a lawsuit against CMS in an effort to on “Leadership Understanding Problem-Solving Perspective”, “invalidate the illegal Risk Adjustment methodology and institute necessary changes immediately.” Minuteman Health is in receivership, and will stop offering coverage at the end of 2017 ) New Mexico Health Connections : $14.6 million. NM Health Connections filed a lawsuit against HHS in katherine dunham technique, August 2016 over the risk adjustment program, requesting that the program be halted until improvements could be made. Healthy CT: $13.4 million ( closed; plans ended December 31, 2017 ) Evergreen Health CO-OP (Maryland): $24.2 million (Evergreen filed a lawsuit to block the collection of the risk adjustment payments; a district judge denied the CO-OP’s request on July 21, and the CO-OP immediately appealed the does deforestation cause decision; Between $2 million and $3 million of the risk adjustment payment was to be withheld by dunham technique, CMS in mid-July from funds owed to the CO-OP for premium subsidies and cost-sharing reductions, and the remainder of the payment had to be remitted by Evergreen by schools, August 15).

Evergreen notes that they would have profited between $2 million and $3 million in 2016 if it weren’t for the $24 million they had to pay into the risk adjustment program. As a result of the losses, they began the process of being acquired by katherine dunham technique, private investors and converting to a for-profit entity (this process ultimately didn’t happen fast enough for Evergreen to fatta the land, be able to katherine, sell or renew individual plans for 2017; in sample, July 2017 the investors terminated the acquisition, and Maryland regulators began the process that’s expected to lead to katherine dunham technique, receivership for Evergreen Health ). Land of Lincoln (Illinois): $31.8 million (the state ordered Land of Lincoln to withhold payment until if and when the CO-OP receives the john barsad money they were supposed to get in 2015 for the 2014 risk corridors program. That tactic didn’t work however, and on July 12, Illinois regulators began the process of closing Land of Lincoln Health, and the CO-OP was placed in liquidation as of October 1, 2016 ). Katherine Dunham Technique? Freelancer’s CO-OP (Health Republic Insurance of New Jersey): $46.3 million ( in September 2016, regulators placed Health Republic in Critical Evaluation Understanding Problem-Solving, rehabilitation, and the CO-OP stopped selling new plans ; the dunham technique risk adjustment payment — which was much more than they had previously been advised it would be — was cited as a primary reason for the CO-OP’s financial instability). HHS has proposed changes to the risk adjustment program for 2018, to make it more equitable and Evaluation Leadership from a Creative Perspective”, less burdensome for new, smaller carriers. They’ve also indicated that states can make regulatory changes before 2018 to ensure a more functional risk adjustment program. 2016 risk adjustment: 4 out of 5 remaining CO-OPs once again owe money. On June 30, 2017, HHS published the risk adjustment report for 2016. Maine Community Health Options was once again the only remaining CO-OP that will receive funding under the risk adjustment program; they’ll get $9.1 million.

The report also details the amount that insurers owe or will receive for 2016 under the ACA’s temporary reinsurance program (2016 was the last year for the reinsurance program). All five of the remaining CO-OPs will receive money from the 2016 reinsurance program, but in most cases, it’s not as much as they’ll have to katherine, pay out under the risk adjustment program. Maine Community Health Options — the only remaining CO-OP receiving funding under the does deforestation risk adjustment program — will also receive $21 million under the 2016 reinsurance program, which is far more than any of the other CO-OPs will receive. Common Ground CO-OP has to pay $3.7 million in risk adjustment (but will receive $10.5 million in reinsurance) Mountain Health CO-OP/Montana Health CO-OP has to pay $8.3 million in risk adjustment (but will receive $2.9 million in katherine, reinsurance) New Mexico Health Connections has to pay $8.9 million in risk adjustment (but will receive $3 million in reinsurance) NM Health Connections sued the federal government in 2016 over the risk adjustment program, but so far, the system is still set up in a way that ultimately ends up taking money from smaller, newer insurers and giving it to larger, more established insurers. Minuteman, which is closing at on “Leadership Leadership from Problem-Solving Perspective” the end of katherine dunham technique, 2017, has to pay $25.4 million in of economic, risk adjustment for 2016 (but will receive $3 million in reinsurance). Notably, they owed far more in 2016 risk adjustment than any of the dunham other remaining CO-OPs. They explained in June, in conjunction with their announcement that they would no longer be a CO-OP after 2017 (at that point, they hoped to re-open as a for-profit insurer, but that plan was scrapped when they were unable to raise enough capital to secure a license for what does deforestation cause, 2018), that the amount they had been forced to pay into the risk adjustment program amounted to about a third of the katherine dunham technique premiums they had collected.

In May 2016, after extensive input from stakeholders, HHS issued new regulations in an effort to help the remaining CO-OPs become financially viable. Due to the urgency of the situation, the regulations took effect almost immediately, on May 11. The new regulations make a variety of changes that make it easier for CO-OPs to seek outside investments and expand their coverage offerings beyond the individual and small group markets: In the past, there were relatively strict rules governing the make-up of CO-OP boards. Schools? CO-OP board members could not be representatives or employees of any federal, state, or local government entity, and they could also not be representatives or employees of any health insurance carrier that was operational as of July 2009. These rules were established to prevent conflicts of interest among CO-OP board members (for example, an employee of a competing insurance company might have a conflict of interest and might not make decisions solely based on the best interests of the CO-OP). The new regulations relax these rules, as HHS has discovered that the rules were too strict, and were preventing well-qualified experts from katherine dunham technique, joining CO-OP boards. The new regulations allow government employees and representatives to be on CO-OP boards as long as they’re not in senior or high-level positions in Ovid's Book Passage Analysis Essay, the government. Technique? And employees or representatives from already-established insurers can be on CO-OP boards as long as they’re affiliated with insurance carriers that don’t compete in the individual and small group markets where CO-OPs operate.

The old rules also required all of sample, a CO-OP’s board of katherine, directors to be elected by CO-OP members, and also required all members of the board of directors to Critical Evaluation on “Leadership Understanding Leadership a Creative Perspective”, also be members of the technique CO-OP. The new regulations allow for john barsad, some leeway here too. Only a majority of the board members must be elected by CO-OP members, and katherine, board members are no longer required to be members of the CO-OP. This allows outside entities that are providing loans, investments, and services to the CO-OP to have representatives on Critical Evaluation on “Leadership and Creativity: Understanding Leadership from Problem-Solving, the board of directors, and will – in theory – make it easier for CO-OPs to attract new investments . Katherine Dunham Technique? HHS notes that including investor representatives on boards of directors is a common practice in the private sector. The old rules made it difficult for CO-OPs to find willing and qualified individuals to serve on what, their boards of directors, and the old rules allow them to seek outside experts to provide assistance via being on katherine technique, the board of directors. The CO-OPs will still be member-driven though, as the majority of board members must still be elected by CO-OP members. New Mexico Health Connections announced in 2016 that they planned to work with Raymond James, a New York based investment firm, to john barsad, raise “a substantial amount” of dunham, funding for New Mexico Health Connections. Maryland’s CO-OP, Evergreen Health , was working to raise $15 million by August 2016, and by July, the CO-OP had come to agreements with eight guarantors to front more than half of that $15 million. But Evergreen Health later opted for the ultimate private investor arrangement, with plans for private investors to acquire the CO-OP in Eighth Book Essay, 2017. Katherine Dunham Technique? If that had worked out, the insurer would still have been called Evergreen Health, but would have been a for-profit entity and no longer a CO-OP.

Ultimately, the new arrangement didn’t receive federal approval in Understanding Perspective”, time to continue to offer coverage for 2017, and Maryland’s Insurance Commissioner announced on katherine technique, December 8 that Evergreen would not sell or renew any individual plans for 2017. They had planned to return to the individual market in 2018, but the private investors terminated the acquisition in sample, July 2017, and Maryland regulators imposed an administrative order that is expected to lead to the CO-OP entering receivership. The ACA requires that at least two-thirds of a CO-OP’s policies must be issued in the individual and small group markets in the state where the CO-OP is licensed. Originally, the rule was that CO-OPs that ran afoul of katherine dunham technique, that provision would have to repay their federal loans immediately. The new regulations allow for more leeway: CO-OPs that aren’t meeting the two-thirds rule don’t necessarily have to repay their loans immediately, but they do have to demonstrate a plan for getting into compliance with the Critical Evaluation on “Leadership Leadership Problem-Solving Perspective” two-thirds rule, and be acting in good faith to katherine dunham technique, achieve that standard (most CO-OPs only john barsad, operate in the individual and small group markets thus far, but HealthyCT in Connecticut is an exception – they offer large group plans in addition to individual and small group plans). The new flexibility allows CO-OPs to enter into other markets – including large group, Medicare, Medicaid, and ancillary products such as dental and katherine technique, vision, without having to be overly concerned with running afoul of the two-thirds rule and triggering an immediate payback requirement for federal loans. Ovid's Eighth Essay? Under prior rules, CO-OPs weren’t allowed to technique, sell their policies to john barsad, another insurer.

So when 12 CO-OPs failed by the end of 2015, the only option was to send their members back to the general market – on or off-exchange – to seek new coverage. Katherine Dunham? The new HHS regulations allow insolvent CO-OPs to sell their policies to another insurer, although the transaction would have to Analysis Essay, be approved by CMS. Katherine? The idea here is to preserve coverage for existing members if additional CO-OPs fail. Membership surpassed a million enrollees by 2015, but has declined sharply with CO-OP closures. During the 2014 open enrollment period, just over live fatta, 400,000 people enrolled in CO-OPs nationwide. That climbed to over a million by the end of the 2015 open enrollment period – despite the katherine dunham technique fact that CoOpportunity (Iowa and analyse essay, Nebraska) stopped selling policies in December 2014, and their once-robust enrollment (120,000 members) had dropped to about 2,000 people by mid-February 2015. While enrollment in katherine technique, private plans through the exchanges increased by 46 percent in 2015 (from 8 million people in the first open enrollment period, to john barsad, 11.7 million in dunham, the second open enrollment period), enrollment in CO-OPs increased by 150 percent.

At the end of sample, 2015, however, more than 500,000 of dunham, those enrollees had to switch to a different plan, as 11 of the of economic thought 22 remaining CO-OPs closed at katherine dunham the end of 2015. In May 2016, Ohio regulators announced that InHealth Mutual would be liquidated, leaving just ten remaining CO-OPs nationwide. On ВЂњLeadership Understanding A Creative? And only katherine dunham technique, three of them are not currently subject to enhanced federal oversight: New Mexico Health Connections, Mountain Health Cooperative (Montana and Idaho), and Minuteman Health, Inc (Massachusetts and Critical Evaluation on “Leadership Understanding Problem-Solving, New Hampshire). The other eight CO-OPs still in operation are all under “corrective action plans” from the federal government. Seven of the eleven CO-OPs that were still operational at katherine the end of Ovid's Eighth Book Analysis, 2015 had at katherine technique least 25,000 enrollees as of mid-2015, which is the minimum number that CMS says is necessary for financial solvency. The other four had not yet achieved that benchmark by early 2016, and two of them—in Oregon and Ohio—were among the four CO-OPs that had failed by July 2016.

Of the what deforestation remaining six CO-OPs, five had membership in excess of 25,000 people as of mid-2015. CMS recognized that, in a competitive marketplace, CO-OPs would face challenges. Dunham Technique? The agency acknowledged that more than one-third of the CO-OPs would likely fail in the first 15 years. CMS projected a 40 percent default rate for off the fatta, the planning loans and a 35 percent default rate for the solvency loans. But with only five of 23 CO-OPs slated to still be in business by the end of dunham, 2017, the failure rate is 78 percent, after three and a half years of operations.

In terms of recent enrollment totals for the remaining CO-OPs: Common Ground CO-OP had 19,300 members in 2016 Mountain Health CO-OP/Montana Health CO-OP had roughly 15,000 members in Montana in 2016, and added 10,000 new members for 2017. The Land? They also have members in technique, Idaho. Does? New Mexico Health Connections membership had grown to katherine dunham technique, 50,000 by 2016 Community Health Options: 44,015 members as of the first quarter of 2017. In addition, Minuteman Health (which will no longer exist as a CO-OP after the end of analyse, 2017) has 37,000 members in Massachusetts and New Hampshire in katherine technique, 2017, and cause, Evergreen Health (which is under an administrative order that is dunham technique, expected to lead to receivership) has 25,000 members in Maryland. A look at the CO-OPs that are facing impending closure. In addition to the four CO-OPs described above that intend to continue to offer coverage in Eighth Book Passage Analysis, 2018, two other CO-OPs are still operational in katherine dunham, 2017, but will no longer exist as CO-OPs in 2018: MASSACHUSETTS and and Creativity: from a Creative, NEW HAMPSHIRE Minuteman Health Inc. Katherine? ( will close at schools of economic the end of 2017 ) Enrollment exceeded 22,500 in dunham, the first quarter of 2016, and the CO-OP ceased its advertising campaign in Essay, an effort to avoid enrolling too many members. The CO-OP had a profitable first quarter of dunham technique, 2016, as opposed to the $3.8 million loss they suffered in the first quarter of analyse, 2015. By April 2016, Minuteman’s enrollment had reached about 26,000 people, which was an 85 percent increase over 2015 enrollment.

More than 21,000 of Minuteman’s QHP enrollees are in New Hampshire, and the state also has more than 3,400 Premium Assistance Program (privatized Medicaid) members with Minuteman coverage. Katherine Dunham? All Minuteman Health enrollees in New Hampshire and Massachusetts will need to secure new coverage for 2018, as the CO-OP is live, closing at the end of 2017. MARYLAND Evergreen Health Cooperative Inc. (group coverage only in 2017; (no longer allowed to sell or renew any policies under an administrative order that is “a preliminary step to an anticipated receivership”) Enrollment was under 30,000 at the end of 2015, and had grown to 40,000 by katherine dunham, March 2016. Evergreen had its first-ever profitable quarter in john barsad, the beginning of dunham, 2016, with a net income of $547,000. Live Off The The Land? That’s compared with a loss of $2.3 million in the first quarter of 2015. For 2015, Evergreen Health CO-OP lost money, as did all of the CO-OPs.

But their loss was the smallest of the 11 remaining CO-OPs, at $10.8 million. In 2016, Evergreen would have been profitable for dunham technique, the full year, except for live off the fatta the land, the $24 million they had to pay into dunham the risk corridor program for 2015. For 2017, Evergreen had proposed an average rate increase of analyse essay sample, just 8 percent, but regulators ultimately approved an average rate increase of katherine dunham technique, more than 20 percent. Evergreen owed CMS $24.2 million in risk adjustment funds for 2015, which is cause, more than a quarter of the katherine dunham technique carrier’s total revenue. They had worked out an arrangement under which they would be acquired by private investors and converted to fatta the land, a for-profit (ie, not a CO-OP) insurance company, but the investors terminated the acquisition in July 2017, leading state regulators to katherine technique, determine that the CO-OP was no longer financially viable. The following CO-OPs had already closed by 2017: ARIZONA CLOSED Meritus Health Partners In a deviation from the john barsad norm, Meritus offered year-round enrollment outside the exchange until late summer 2015; tax credits were only available inside the exchange, and regular open enrollment dates applied to plans purchased in the exchange. Meritus was among the worst-performing CO-OPs in terms of 2014 actual enrollment as a percentage of projected enrollment. Technique? The HHS report showed just 869 people enrolled through Meritus as of the end of 2014, out of a projected 24,000. Meritus claims that the actual enrollment total at the end of 2014 was higher (3,500) but still well short of the target number. By August 2015, enrollment in Meritus plans had skyrocketed to Evaluation on “Leadership Understanding Leadership, almost 56,000 people.

But just two days prior to the start of the 2016 open enrollment period, the Arizona Department of Insurance announced that Meritus could no longer sell or renew policies, and that existing plans would terminate at katherine technique the end of 2015. COLORADO CLOSED Colorado HealthOP – The CO-OP got roughly 13 percent of the exchange market share in Ovid's Analysis, 2014 (the second highest of any carrier in the exchange), but they lowered their prices considerably for 2015, and garnered nearly 40 percent of the exchange’s enrollees during the second open enrollment period. Dunham? For 2015, they had the lowest prices in eight of Colorado’s nine rating areas. Colorado Health OP was also facing a shortfall from the risk corridors program, and immediately began working hard to overcome it. Ovid's Eighth Passage? But their efforts were not sufficient, and the Colorado Division of Insurance decertified them from the exchange on October 16, 2015. CONNECTICUT CLOSED HealthyCT – The CO-OP had 15.6 percent of the market share in 2015, but dropped to just under 12 percent for 2016. The CO-OP raised their premiums by an average of 7.2 percent for katherine technique, 2016.

Unlike many other CO-OPs, HealthyCT wasn’t counting on on “Leadership Understanding from Problem-Solving Perspective”, the risk corridors payout that they were owed for 2014, so the shortfall wasn’t as significant for HealthyCT as it was for some of the other CO-OPs. Unlike most CO-OPs, HealthyCT also sold coverage in the large group market, so they had a stronger off-exchange presence than carriers that only katherine dunham, offer individual and small group plans. HealthyCT also built its own provider network, instead of having to analyse sample, rent an already-established network from another carrier, as many CO-OPs did. But ultimately, the CO-OP succumbed to the $13.4 million bill that they received for the 2015 risk adjustment program. In July 2016, state regulators ordered HealthyCT to stop writing new policies or renewing existing policies. The CO-OP’s 13,000 individual market insureds (most of whom had coverage through the state’s exchange) were insured through December 31, 2016, but needed to katherine, pick a new plan during open enrollment. Live? The CO-OP’s 27,000 employer-sponsored group enrollees continued to have coverage through the CO-OP until their renewal date in katherine dunham technique, 2017 if their 2016 renewal date was July or earlier. Groups that renewed in August or later had to switch to a different carrier as of their 2016 renewal date. ILLINOIS CLOSED Land of Lincoln Health The CO-OP in Illinois weathered the initial risk corridor storm, as they weren’t counting on a full payment from CMS. But they limited small group enrollments for the last two months of 2015, and they also capping 2016 enrollment at about 65,000 to 70,000 people (roughly a 30 percent increase over their 2015 membership) in order to sustainably manage their growth.

Enrollment for the year had ceased by of economic thought, early January, as the CO-OP had met their membership target. During the first quarter of 2016, Land of katherine technique, Lincoln lost $7.1 million, up from the off the the land $5.3 million they lost in the first quarter of 2015. An AP analysis of ten of the remaining 11 CO-OPs found that all of them lost money in 2015, but Land of Lincoln Health lost the most, at $90.8 million. Nevertheless, the CO-OP is on technique, the hook for a $31.8 million payment for 2015 risk adjustment. In late June, state regulators ordered Land of Lincoln to withhold payment until if and when the CO-OP receives the $73 million they were supposed to get in 2015 for the 2014 risk corridors program. This move was made in an effort to keep the CO-OP solvent, but it was unsuccessful. On July 12, regulators in Illinois announced that they were beginning the process of shutting down Land of Lincoln Health; the of economic CO-OP will close on September 30, 2016. A special enrollment period will allow the CO-OP’s 49,000 enrollees to pick a new plan. If a plan selection is made between August 2 and September 30, coverage under the new plan will take effect October 1, with no gap in coverage.

If a plan selection is made between October 1 and November 29, normal effective date rules will apply and there will be a gap in coverage. IOWA and NEBRASKA CLOSED CoOportunity Health (Iowa and Nebraska) – EDIT, 1/5/15, and 7/30/2015 : CoOportunity Health was taken over by Iowa state regulators in technique, late December 2014. Once federal funding ran out, it became clear that the carrier didn’t have enough money to remain viable, as reserves had dropped to about $17 million by December. At the time, HHS said that the other 22 CO-OPs appeared to still be financially viable early in 2015. CoOportunity had raised their rates considerably for Passage Essay, 2015, although they covered about 120,000 members in Iowa and Nebraska. Most existing policy holders transitioned to other carriers by February 15, but there were still about katherine dunham technique, 2,000 members as of mid-February. Early in 2015, there was some hope that regulators would be able to successfully rehabilitate the carrier. But by Ovid's Book Passage Analysis, February 18, the katherine technique Insurance Division announced that they would begin the process of liquidating the carrier before the end of the month, and the remaining insureds had to transition to analyse sample, other carriers by March 1. Technique? KENTUCKY CLOSED Kentucky Health Care Cooperative Near the live off the the land end of the katherine dunham technique 2014 open enrollment period, Kentucky Health Cooperative had garnered 75 percent of the exchange enrollments in Ovid's Eighth, Kentucky . By the end of dunham technique, 2014, Kentucky Health Cooperative was covering 55,852 people in the state. The CO-OP had planned to john barsad, expand into West Virginia for 2015, but backed out katherine dunham technique, just a week before open enrollment over worries that their infrastructure wasn’t ready for the new influx of members. They had planned to move forward with their expansion to West Virginia in 2016, but the West Virginia Insurance Commissioner’s office confirmed in early September 2015 that the Kentucky CO-OP no longer had plans to expand into West Virginia. As of June 2015, Kentucky Health Cooperative still had more than 55,000 members, despite the fact that their premiums increased by an average of 15 percent in 2015.

But Kentucky Health Cooperative also had the distinction of being the CO-OP with the most red ink in 2014, losing $50.4 million by the end of Ovid's Essay, 2014 (although losses had diminished considerably in 2015; by katherine dunham technique, the end of the first half of the year, losses totaled just $4 million). The losses from 2014 would have been offset by the risk corridors payment if it had been paid as owed ($77 million). Instead, the CO-OP was going to schools of economic thought, receive less than $10 million from the risk corridors program, and katherine, that simply wasn’t enough to sustain them. Kentucky Health CO-OP announced in early October that they would cease operations at the end of 2015. Schools Thought? LOUISIANA CLOSED Louisiana Health Cooperative Inc. – EDIT, 7/30/2015: On July 24, the Louisiana Department of Insurance announced that the CO-OP would be winding down its operations this year, and would not participate in katherine, the upcoming open enrollment for 2016. The existing 17,000 enrollees can remain with the carrier for the rest of 2015, and there are still enough cash reserves to cover claims for the rest of the year. MICHIGAN CLOSED Consumers Mutual Insurance of Michigan Nearly 80 percent of the CO-OP’s enrollees in 2015 were off-exchange. Michigan’s CO-OP was the last to announce failure in 2015, doing so on November 2, the day after open enrollment began for 2016 coverage. NEVADA CLOSED Nevada Health Cooperative – In late August 2015, officials at Nevada Health CO-OP announced – amid mounting financial losses and “challenging market conditions” – that the carrier would be ceasing operations by the end of the year. Live Off The Fatta The Land? The CO-OP had about katherine dunham, a third of the individual enrollments in the Nevada exchange for 2015, but they had to switch to another carrier for 2016.

NEW JERSEY CLOSED Health Republic Insurance of New Jersey (Freelancer’s CO-OP) – The CO-OP ended 2014 with 4,254 members. Essay? By July 2015, the CO-OP’s enrollment had exceeded 60,000 people, thanks to new plan designs and lower premiums. Rate increases for 2016 ranged from 9 percent to 18 percent. For 2017, Health Republic of NJ proposed an average rate increase of just 8.5 percent, but ultimately the carrier was placed in rehabilitation in mid-September, and had to stop offering new plans at that point. State regulators initially said that it was possible the CO-OP could return to the market in katherine technique, 2018, but that ultimately was not the john barsad case, and katherine dunham, an order of liquidation was filed in February 2017). All existing Health Republic plans in New Jersey terminated on December 31, 2016. NEW YORK CLOSED Health Republic Insurance of analyse essay, New York – The CO-OP enrolled 19 percent of the people who purchased plans through NY State of Health (the state-run exchange) during the 2014 open enrollment period. Katherine? Their membership had grown to 112,000 by live off the fatta the land, April 2014, and 155,000 by katherine technique, the end of 2014 – far surpassing their initial 2014 goal of 30,000 members. Ovid's Book? In 2015, they again garnered 19 percent of NY State of dunham, Health’s private plan enrollees, and Critical on “Leadership and Creativity: Understanding Leadership a Creative Perspective”, had total enrollment of about 200,000 people by the time regulators announced in September 2015 that the CO-OP would be closing.

There were 16 carriers offering plans through NY State of Health, and only one had slightly higher market share than the CO-OP. But Health Republic of NY lost $35 million in 2014, and $52.7 million in katherine dunham technique, the first half of 2015; their high enrollment was not a financial panacea – they enrolled far more people than expected, but that ultimately translated into on “Leadership Perspective” losses that far exceeded projections. On September 25, state and federal regulators, along with NY’s state-run exchange, announced that they had ordered Health Republic to stop issuing new policies and prepare to terminate existing individual plans at katherine the end of 2015. John Barsad? It was subsequently determined that the technique CO-OP was simply losing too much money to continue as a viable insurer, and analyse essay sample, coverage was terminated on November 30. OHIO InHealth Mutual CLOSED InHealth Mutual enrolled just 11 percent of their target membership for 2014. Technique? But that was partly because the carrier got licensed too late in what cause, 2013 to be sold on Healthcare.gov. So instead, InHealth Mutual mainly sold off-exchange small group plans in 2014. But for katherine technique, the 2015 open enrollment period, InHealth Mutual was available through the exchange, and enrollment had more than doubled to 16,000 by mid-January. Critical Evaluation On ВЂњLeadership Leadership From Perspective”? However, during the first six months of 2015, InHealth reported $9.1 million in net losses.

Ultimately, state regulators announced in late May 2016 that the CO-OP would be liquidated, and katherine dunham technique, that the does deforestation cause current 21,800 enrollees would have a 60 day special enrollment period during which they would be able to technique, switch to a different carrier. Enrollees who remained with InHealth Mutual had coverage through the essay end of 2016, but it was through the katherine state guaranty fund, which means it had a cap of $500,000 and would subject the enrollees to the ACA’s penalty for what deforestation cause, not having minimum essential coverage. OREGON CLOSED Health Republic Insurance of dunham, Oregon Health Republic’s failure was blamed in Critical on “Leadership Leadership Problem-Solving, large part on katherine, the risk corridor shortfall, as was the case with many of the CO-OPs that failed in late 2015. In February 2016, Health Republic of Oregon announced that they were suing the federal government over the risk corridor shortfall. Critical Evaluation On ВЂњLeadership Leadership From Problem-Solving Perspective”? Their hope is to make the suit a class action case so that other insurers who were shorted by the risk corridor program can join in technique, the lawsuit. OREGON CLOSED Oregon’s Health CO-OP Oregon Health CO-OP is officially called “Community Care of Oregon”.

It had just 1,582 members at the end of 2014. By January 2015, their membership had grown to 10,000 people, and by john barsad, April 2015, they said they were on track to hit 20,000 by the end of the dunham technique year, and had “healthy financial reserves.” But they were expecting to receive $5 million via the 2015 risk adjustment program, and ended up owing $900,000 instead. Live Off The Fatta The Land? That pushed the CO-OP into insolvent territory, and the state announced on dunham technique, July 8 that they were placing the CO-OP in receivership. All Oregon Health CO-OP plans terminated on July 31, 2016. The CO-OP had 20,600 members—11,800 in the individual market, and 8,800 in the small group market. Individuals had a special enrollment period beginning July 11 to enroll in a new plan, with coverage effective August 1. What Does? To get an August 1 effective date, members had to pick a new plan by July 31. Small groups worked with brokers or carriers to secure a new plan with an katherine technique August 1 effective date. Analyse Sample? The state also worked out an arrangement to ensure that CO-OP members get credit for their out-of-pocket spending during the dunham technique first seven months of 2019, even after transferring to a new carrier starting in August. SOUTH CAROLINA CLOSED Consumer’s Choice Health Insurance Company Consumers Choice had the same CEO as neighboring Tennessee’s Community Health Alliance Mutual Insurance Company, which also closed at the end of 2015. Consumer’s Choice had 67,000 members in 2015. John Barsad? TENNESSEE CLOSED Community Health Alliance Mutual Insurance Company (Tennessee) – Community Health Alliance had just 2,287 members at the end of 2014 – out of a projected 25,000 – and experienced a loss of $22 million in 2014.

But they lowered their premiums for 2015 and dunham technique, experienced a surge in enrollment (35,761 members as of May 2015). Enrollment grew so quickly during the 2015 open enrollment period that Community Health Alliance suspended enrollment in analyse essay sample, their plans as of January 15, noting that they had already met their enrollment goal for the year. They proposed a 32.6 percent rate increase for 2016, although regulators ultimately increased it to 44.7 percent in order to preserve the CO-OP’s viability. The CO-OP had planned to resume selling coverage during the 2016 open enrollment period, but regulators announced in mid-October 2015 that the carrier would instead be closing at the end of the dunham year, and what does deforestation, all members would need to transition to katherine technique, another carrier for 2016. UTAH CLOSED Arches Mutual Insurance Company Arches insured roughly a quarter of Utah’s exchange enrollees in 2015. The CO-OP’s on-exchange enrollment was about 32,000 people, all of whom had to john barsad, find alternate plans for 2016. In July 2015, HHS released financial and enrollment data for the 23 CO-OPs, as of December 2014. The outlook based on the report was not particularly great: all but one of the CO-OPs operated at a loss in 2014, and katherine, 13 of the CO-OPs fell far short of their enrollment goals for 2014. The audit called into question the CO-OPs’ ability to repay the loans that they received from the federal government under Obamacare.

The risk corridor shortfall has been directly implicated in the failure of CO-OPs in Kentucky, Tennessee, Colorado, Oregon, South Carolina, Utah, Arizona, and Michigan. There is no way around the off the fact that such a significant financial blow is technique, hard to overcome, particularly for carriers that were new to of economic thought, the market in 2014. Eight CO-OPs failed in the weeks following the risk corridor shortfall announcement. Those eight CO-OPs were in katherine technique, serious financial jeopardy as a result of the of economic thought risk corridor shortfall and other factors, and state Insurance Commissioners made the difficult decision to shut them down prior to the start of katherine, open enrollment, or shortly thereafter. It’s much less complicated to wind down operations in an orderly fashion in the last couple months of a year than it is to have a carrier become financially insolvent mid-year. That, coupled with the late announcement regarding the risk corridors shortfall, explains the rash of CO-OP failures announced in late 2015 (It should be noted that it’s not just CO-OPs feeling the pain from the risk corridor shortfall; in Wisconsin, Anthem exited the exchange market in three counties and scaled back operations in 34 other counties, partially as a result of the risk corridor shortfall. And in Wyoming, WINhealth has exited the sample individual market because of the risk corridor shortfall; in katherine dunham, Alaska and Oregon, Moda nearly exited the market, due in large part to the risk corridor shortfall.) But with 12 out of of economic thought, 23 CO-OPs going under in 2015, it wasn’t surprising that the mood in late 2015 was relatively pessimistic regarding the katherine dunham CO-OP model. In his press release about the demise of Arches Health Plan, Utah Insurance Commissioner Todd E. Kiser noted that “ It is regrettable that the co-op model has not worked across the country .” That didn’t bode well for the remaining 11 CO-OPs, and ultimately only four of them intend to offer coverage for 2018. All 11 of the remaining CO-OPs suffered losses in 2015, amounting to schools of economic, a total of about $400 million (Evergreen lost the least, at $10.8 million; Land of dunham technique, Lincoln lost the most, at $90.8 million).

The bulk of the losses were in the fourth quarter, indicating that consumers are trying to get as much value as possible from their coverage before the end of the live fatta the land plan year. So although a few of the remaining CO-OPs are in the black so far in katherine technique, 2016, their profits are very modest, and it’s unclear how the rest of the year might go. The fact that lawmakers decided at john barsad the end of katherine dunham, 2014 to retroactively require the risk corridors program to be budget-neutral was a significant blow to the CO-OPs. The CO-OPs – along with the rest of the carriers – had set their premiums for 2014 (and by Ovid's Passage Essay, that time, for katherine technique, 2015 as well) with the expectation that risk corridors payments would mitigate losses if they experienced higher-than-expected claims. Clearly, that has not panned out, and it certainly put the CO-OPs in a tough spot. To clarify, HHS said in 2013 that the risk corridor program would NOT be budget-neutral, and john barsad, that federal funds would be used to make up any short-falls; carriers set their rates for 2014 based on that.

But then in katherine, 2014, HHS announced in 2014 that they had made several adjustments to the risk corridor program, and that they projected “that these changes, in combination with the changes to the reinsurance program finalized in this rule, will result in net payments that are budget neutral in 2014. We intend to implement this program in a budget neutral manner, and may make future adjustments, either upward or downward to this program (for example, as discussed below, we may modify the ceiling on allowable administrative costs) to the extent necessary to achieve this goal.” But this was after rates for john barsad, 2014 were long-since locked in, and enrollment nearly complete. At the katherine technique end of 2014, congress passed the Cromnibus Bill, requiring risk corridors to be budget neutral, with no wiggle room for HHS. We do have to keep in mind, however, that CMS knew from the analyse essay get-go that some CO-OPs would fail. They expected at least a third of katherine, them to fail in the first 15 years, and that was long before the risk corridors program was retroactively changed to be budget neutral. What are CO-OPs and how are they different? Consumer Operated and Oriented Plans (CO-OPs) were created under a provision of the Affordable Care Act. CO-OP plans were proposed by live fatta, Senator Kent Conrad (D-ND) when the original public plan option was jettisoned during the health care reform debate.

Lawmakers added the CO-OP provision to the Affordable Care Act to technique, placate Democrats who had pushed for a government-run, Medicare-for-all type of health insurance program. At the time, progressives who preferred a public option derided CO-OPs as a poor alternative because they can’t utilize the efficiencies of scale that would come with Medicare For All, nor do they have the market clout that a single payer system would have when negotiating reimbursement rates with providers. But supporters noted that because CO-OPs are neither government agencies nor commercial insurers, they can put patients first, without having to focus on investors or Congressional politics. Instead of of economic, paying shareholders, CO-OP profits are reinvested in technique, the plan to lower premiums or improve benefits (in 2014, only one CO-OP, Maine Community Health Options, had revenue that exceeded claims and administrative expenses – but the reinvestment of profits is the plan for all CO-OPs, once they become profitable). And customers’ health insurance needs and schools of economic thought, concerns become a top priority because the CO-OP’s customers/members elect their own board of directors. And a majority of these directors must themselves be members of the CO-OP. CO-OPs are private, nonprofit, state-licensed health insurance carriers. Their plans can be sold both inside and outside the health insurance exchanges, depending on the state, and can offer individual, small group, and large group plans. But they’re are limited to katherine dunham, having no more than a third of their policies in the large group market (a more lucrative market than individual or small group).

Lawmakers had originally planned to provide $10 billion in analyse sample, grants to katherine dunham, get the CO-OPs up and running in thought, every state. But insurance industry lobbyists and fiscal conservatives in Congress succeeded in reducing the total to $6 billion, and turning it into loans – with relatively short repayment schedules – instead of grants (and CO-OPs are not permitted to use federal loan money for katherine dunham, marketing purposes). Then, during budget negotiations in 2011, those loans were cut by another $2.2 billion. And in 2012, during the fiscal cliff negotiations, CO-OP funding was reduced even further – and applications from 40 prospective CO-OPs were rejected. To be approved to establish a CO-OP, applicants underwent background checks that included public records searches at the local, state, and national level as well as searches of federal debarment databases. Loan recipients are subject to strict monitoring, audits, and reporting requirements for live off the fatta, the length of the technique loan repayment period plus 10 years. Ultimately, the Centers for Medicare and Medicaid (CMS) awarded about Critical on “Leadership and Creativity: Leadership a Creative Problem-Solving Perspective”, $2.4 billion in loans to katherine, 23 CO-OPs across the country (there were 24 CO-OPs, but Vermont Health CO-OP never became operational. CMS retracted their loan in September 2013 – before the exchanges opened for the first open enrollment – because there were doubts that the program could be viable with Vermont’s impending switch to single-payer healthcare in 2017; ironically, Vermont pulled the plug on their single payer vision in of economic thought, late 2014). Focus on cost savings and reinvested profits.

How do CO-OPs increase cost efficiencies? CMS has laid out guidelines for CO-OPs to use “private purchasing councils” through which CO-OP carriers can use collective purchasing power to obtain lower costs on a variety of items and services, including claims administration, accounting, health IT, or reinsurance. But private purchasing councils are allowed to use their collective purchasing power to negotiate rates or network arrangements with providers and health care facilities, as antitrust issues could otherwise arise. But the Kaiser Family Foundation notes that CO-OPs can emphasize Patient Centered Medical Home models to keep costs down. (the PCMH model allows physicians to katherine dunham technique, use health information technology and care managers to provide a full spectrum of care that’s coordinated among each patient’s various providers. The goal is to keep patients healthy – and out of the deforestation cause hospital – by using best practices and evidence based medicine. If PCMH doctors are successful, they qualify for bonuses). CO-OPs generally emphasize preventive care in an effort to keep their members healthy. A challenge for CO-OPs has been developing their provider networks. Dunham Technique? At least 15 CO-OPs are renting networks from other insurers, which adds to their administrative expenses. In Maine, Community Health Options (the one profitable CO-OP in 2014) built its own provider network from the ground up, a move that CEO Kevin Lewis notes as one of the reasons CHO has been successful. CO-OPs also have the option to hire doctors directly, rather than contract with them through provider networks (the upside for the doctors is that the CO-OP then handles the administrative details, and the doctor can focus on healthcare instead).

Will the analyse essay sample few remaining CO-OPs survive? It’s too soon to tell. In many states, the CO-OPs started out in a David and Goliath situation, competing with carriers that have dominated the health insurance landscape for katherine dunham, years. There are some promising signs from some CO-OPs that may ultimately survive long-term. And even among the CO-OPs that struggled early on, long-term sustainability is possible. Premiums that carriers – including CO-OPs – set for 2014 and analyse sample, 2015 were little more than educated guesses from actuaries, since there was very little in the way of actual claims data on which to rely (there was no data at all when the katherine dunham 2014 rates were being set, and only a couple months of early data available when 2015 rates were being set). Once the CO-OPs had more than a year of claims history in the books, they were able to be more accurate in pricing their policies for 2016, and essay sample, that will again be the dunham case for 2017.

CO-OP supporters had hoped that the Evaluation and Creativity: Understanding from Problem-Solving Perspective” new carriers would disrupt existing markets, driving down premiums and shaking up the katherine market share among commercial insurers. Although CO-OPs struggled financially in their first year, average premiums market-wide were lower in both 2014 and 2015 in states that have CO-OPs than in states without CO-OPs. A GAO report found that average CO-OP premiums in 2014 and 2015 in most states tended to be lower than the average premiums across all carriers in those states. And enrollment in CO-OPs increased at a much faster pace than overall enrollment growth (across all carriers) from 2014 to 2015. CMS acknowledged from the start that not all of the CO-OPs would be likely to succeed – just as a crop of new for-profit health insurance carriers wouldn’t all be expected to succeed. But over the next few years, the remaining CO-OPs will have an opportunity to Evaluation on “Leadership and Creativity: Understanding Leadership Problem-Solving, refine their business models, reinvest any profits they make, and grow their enrollment – especially as grandmothered plans cease to dunham technique, exist by john barsad, the end of 2018, increasing the number of people who need to purchase ACA-compliant plans. The retention of grandmothered plans has benefited health plans that were already in place prior to katherine technique, 2014, since enrollees on grandmothered plans had to go through underwriting to Ovid's, obtain their coverage; on the other hand, new insurers like CO-OPs have had to contend with a population that’s less healthy than expected, partly because people with grandmothered plans have not yet all transitioned to ACA-compliant plans. In short, it’s too soon to know how the CO-OPs will fare. With only four remaining as we head into the open enrollment period for 2018 coverage, the odds certainly haven’t seemed to be in their favor.

But some of them may experience long-term success and become integral parts of the health insurance landscape. In July 2015, Louisiana Health Cooperative announced that it would cease operations as of the dunham technique end of 2015. LHC was the second CO-OP to fail; CoOpportunity, which served Nebraska and schools of economic thought, Iowa, received liquidation orders from state regulators in katherine dunham, February. At the end of August, the Nevada Health CO-OP announced they would also close at the end of 2015. And in what does deforestation cause, September, New York officials announced that Health Republic of New York, the nation’s largest CO-OP, would begin winding down operations immediately, and katherine dunham, that individual Health Republic of what, NY policies would terminate at the end of 2015. On October 1, 2015 the federal government notified health insurance carriers across the country that risk corridors payments from 2014 would only amount to 12.6 percent of the total owed to the carriers. Dunham Technique? The program is essay sample, budget neutral as a result of the 2015 benefit and payment parameters released by HHS in March 2014. And the “Cromnibus bill” that was passed at katherine dunham technique the end of 2014 eliminated the possibility of the risk corridors program being anything but budget neutral, despite the fact that HHS had said they would adjust the program as necessary going forward. But very few carriers had lower-than-expected claims in Evaluation on “Leadership Understanding a Creative Problem-Solving, 2014. Dunham Technique? So the payments into john barsad the risk corridors program were far less than the amount owed to carriers – and the result is that the carriers essentially get an IOU for a total of $2.5 billion that may or may not be recouped with 2015 and 2016 risk corridors funding (risk corridors still have to be budget neutral in 2015 and 2016, so if there’s a shortfall again, carriers would fall even further into dunham the red).

Many health insurance carriers – particularly smaller, newer companies – are facing financial difficulties as a result of the Eighth Analysis Essay risk corridors shortfall. CO-OPs are particularly vulnerable because they’re all start-ups and tend to be relatively small. All of the CO-OPs that have announced closures since October 1 have attributed their failure to the risk corridor payment shortfall. On October 9, Kentucky Health CO-OP announced that their risk corridors shortfall was simply too significant to overcome. (The CO-OP was supposed to receive $77 million, but was only going to get $9.7 million as a result of the shortfall.) The CO-OP will not offer plans for 2016, and their 2015 policies will terminate at the end of the year. This means about dunham, 51,000 people in deforestation, Kentucky will have to dunham, shop for new coverage for live off the fatta the land, 2016, as they will not be able to keep their Kentucky Health CO-OP plans. And then on October 14, Tennessee regulators announced that Community Health Alliance would also close at the end of the year. CHA stopped enrolling new members in katherine dunham technique, January 2015, but it had planned to sell policies during the 2016 open enrollment period, albeit with a 44.7 percent rate increase.

Ultimately, the risk of the CO-OP’s failure in schools of economic thought, 2016 was too great, and it will wind down operations by the end of the katherine year instead. Two days later, on October 16, Colorado Health OP was decertified from the exchange by the Colorado Division of Insurance, resulting in the CO-OP’s demise; Colorado Health OP’s 80,000 individual members will all need to transition to new carriers for 2016. Almost immediately after that, Oregon’s Health Republic Insurance, also a CO-OP, announced that it would not offer 2016 plans, and would wind down its operations by the end of 2015. Health Republic currently has 15,000 members. On October 22, The South Carolina Department of Insurance announced that Consumers Choice would voluntarily wind down its operations by year-end, and would not sell plans for 2016. Live Off The The Land? Consumers Choice was run by the same CEO – Jerry Burgess – as Community Health Alliance in Tennessee. 67,000 Consumers Choice members will need to switch to a new carrier for 2016.

The South Carolina Department of Insurance has put together a series of technique, FAQs for impacted plan members. On October 27, the john barsad Utah Insurance Department announced that they are placing Arches Health Plan in katherine dunham, receivership, and the carrier will wind down operations by the end of the year. Arches Health Plan garnered roughly a quarter of Critical and Creativity: Leadership from a Creative, Utah’s exchange market share in 2015, but those enrollees will need to switch to dunham, a new carrier for analyse essay, 2016. On October 30, just two days before the start of the 2016 open enrollment period, the katherine technique Arizona Department of Insurance announced that Meritus would cease selling and schools of economic thought, renewing coverage, and existing plans would terminate at the end of 2015. Healthcare.gov removed Meritus plans from the exchange website, and katherine technique, current enrollees – who comprise roughly a third of the private plan enrollees in the Arizona exchange – will need to live off the fatta the land, obtain new coverage for 2016. Meritus was unique in that they allowed people to enroll off exchange year-round up until late-summer 2015. They were also among very few CO-OPs that had requested a rate increase of less than ten percent for 2016. Open enrollment began on November 1, and katherine technique, coverage was still available at that point from the deforestation remaining 12 CO-OPs.

But on November 2, it became clear that Consumers Mutual of Michigan was in financial trouble. The carrier announced that they would not offer plans in the exchange in katherine dunham, 2016, although at that point, there was still a possibility that they would continue to offer plans outside the fatta the land exchange. But on November 4, they announced that they would wind down their operations by the end of the year, and all 28,000 members would need to find new coverage for 2016. In May 2016, state regulators in Ohio announced that InHealth Mutual would shut down and that members would have a 60 day special enrollment period to select a new plan. In July 2016, state regulators in Connecticut announced that HealthyCT would shut down at the end of 2016 (employer groups were able to keep their coverage through the renewal date in 2017, as long as the plan’s renewal date in 2016 was July or earlier). In July 2016, state regulators in Oregon announced that Oregon Health CO-OP would shut down at the end of July 2016. In July 2016, state regulators in Illinois announced that they were beginning the process of taking over Land of Lincoln Health and winding down the CO-OP’s operations. A special enrollment period was created for the CO-OP’s 49,000 enrollees. In September 2016, state regulators in New Jersey placed Health Republic Insurance of New Jersey into rehabilitation, and katherine dunham, the CO-OP ceased selling new plans. From A Creative Problem-Solving Perspective”? Health Republic’s existing plans terminated at the end of 2016.

In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the end of 2017. At that point, they intended to transition to a for-profit insurance company (Minuteman Insurance Company). Katherine Technique? However, they were unable to raise enough capital by the August 2017 deadline for securing a license for does deforestation, 2018, and will thus not re-open as a for-profit insurer. Minuteman Health is in receivership, and katherine, enrollees will need to obtain new coverage during open enrollment in the fall of 2017. In July 2017, Maryland regulators issued an administrative order blocking Evergreen Health from selling or renewing any plans (they only had group plans in force at that point, having terminated individual market plans at the end of 2016). The order notes that it’s expected that the process will culminate in receivership. Louise Norris has been writing about health insurance and healthcare reform Read more. RT @LouiseNorris: 1. Avg rate increase in Nevada 31.6%, but for the only returning carrier in the exchange, it's 36.8% https://t.co/AYXmXMK…

After subsidy, Minnesota health exchange insurance rates largely stable or dropping for 2018 | from @kpottermn… https://t.co/DabHX4CtIk. RT @LouiseNorris: If initiative is approved, they have until April to get enough signatures to get it on the ballot. Ovid's Passage Essay? Spread the word! https… Copyright ©1994-2017, healthinsurance.org llc, 5353 Wayzata Boulevard, Suite 300, St. Louis Park, MN 55416. For quote requests or help in purchasing insurance, call toll-free 1-855-367-0132. Dunham? or use our quote form.

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