1 SUMMARY OF EPA S CLEAN POWER PLAN JUNE 2, 2014 FS:14-06-A NRDC SUMMARY OF EPA S CLEAN POWER PLAN Carbo Pollutio Stadards for Existig Power Plats SUMMARY OF EPA S PROPOSAL: EPA s proposal takes a sesible approach of calculatig a state s emissio target usig four basic buildig blocks ad best system of emissios reductio, icludig a wide rage of cost-effective methods to reduce emissios. EPA does ot prescribe how a state should meet its goal. Istead, EPA sets a state-specific goal ad each state develops its plas ad policy approaches to meet the target. The states asked for flexibility ad EPA has provided it. This state-by-state approach has bee used repeatedly to successfully cut pollutio uder the Clea Air Act. EPA has set modest ad achievable targets for each state based o that state s curret eergy mix. EPA started with each state s 2012 eergy mix. EPA the applied the same set of emissio reductio tools to each state. EPA s formula is based o what states aroud the coutry are already doig. EPA determied each state s target emissio reductio target by calculatig how much the emissio reductio tools could reduce a state s 2012 eergy portfolio. Because each state has a uique eergy mix, the various pollutio reductio techiques achieve sigificatly differet savigs i each state ad thus sigificatly differet targets. EPA has developed a flexible approach that allows for sigificat emissios reductios at low cost. It is a approach that draws o a wide rage of tools to reduce carbo pollutio, ad it ca pass legal muster. EPA estimates the proposal will reduce CO2 emissios o a atioal basis (rolled up estimates of the impact of state stadards) 26% below 2005 emissios by 2020 ad 30% by That is equivalet to: 18% below EPA s forecast of what would happe without the stadards (i.e., busiess-as-usual) by 2020 ad 25% by 2030 or 13% below 2012 emissios by 2020 ad 17% by These savigs are sigificat. The Clea Car Stadards set i 2010 ad 2012 are projected to reduce CO2 emissios by 4,140 millio metric tos from 2020 to This proposal would deliver 5,344 millio metric tos over the same period --almost 30% more. EPA s proposal ca ad should be stregtheed. EPA is takig commets for 120 days o the assumptios it made to develop the state stadards. NRDC believes the pollutio reductios could be greater at a reasoable cost. I particular, states could do more to icrease eergy efficiecy ad the use of reewables tha EPA assumed i settig the targets i its curret proposal. (The fial stadards will be issued by Jue 2, 2015.) PAGE 1 NRDC Summary of EPA s Clea Power Pla
2 The four tools used to set the state targets are: Makig existig coal plats more efficiet. Usig existig gas plats more effectively. Icreasig reewables ad uclear. Icreasig ed-use eergy efficiecy. Note that states do ot have to take the precise steps EPA used to calculate the target. They ca choose to attai the targeted level of pollutio reductios however they choose; but the target calculatio shows what level is reasoable (ad required). EPA is proposig a two-part goal structure: a iterim goal that a state must meet o average over the te-year period from ad a fial goal that a state must meet at the ed of that period i 2030 ad maitai thereafter. A state could adopt either the the goal established by EPA, which is stated i terms of carbo itesity (i.e., amout of carbo per uit of power geeratio) or the state ca set a mass-based goal of a equivalet amout of pollutio (i.e., umber of tos of carbo emitted). The states must submit a state pla to EPA by Jue 30, However, EPA is allowig for coditioal approval of a pla with some additioal time to address state legislative ad rulemakig activities, as well as developmet of multi-state plas. BACKGROUND We have a obligatio to protect our childre ad future geeratios from the impacts of climate chage, ad we ca do so by settig the first-ever limits o carbo pollutio from power plats. Carbo pollutio fuels climate chage, which triggers more asthma attacks ad respiratory disease, worses air quality, ad cotributes to more frequet, destructive, costly ad deadly extreme weather evets. Power plats are resposible for 40 percet of the carbo pollutio i the Uited States, the sigle largest cotributor to dagerous climate chage, the effects of which we are already seeig. Right ow we limit mercury, arseic, lead, soot ad other dagerous pollutats from power plats, but ot the carbo pollutio drivig climate chage. O Jue 2, 2014, the U.S. Evirometal Protectio Agecy, uder Presidet Obama s Climate Actio Pla, proposed a commo-sese pla to cut carbo pollutio from power plats. The detailed iformatio from EPA o their Clea Power Pla is available at: The draft EPA stadards are a proposal. EPA is seekig public commet over the ext 120 days after the proposal is published i the Federal Register. EPA is proactively workig with states ad other stakeholders to refie ad improve its framework before fializig it i Jue The followig is a summary of EPA s proposal, mostly i the agecy s words. Quotes from EPA are i italics. NRDC s iitial reactio to the proposal is icluded at the ed of this documet. ESTIMATES OF CO 2 EMISSIONS FROM THE ELECTRIC SECTOR EPA has established state-by-state targets o a rate (or itesity ) basis (lbs/mwh, that is, how may pouds of pollutat come out of the smokestack for every uit of eergy produced). EPA has also developed estimates of atioal CO 2 emissios reductios i 2020 ad The atioal estimates for EPA s proposal are show below. The estimated level of emissios reductios from NRDC s proposal is also show i the figure below. 3,000 2,500 2,000 1,500 1, ELECTRIC SECTOR EMISSIONS (MILLION METRIC TONS) ESTIMATE OF BENEFITS FROM THE EPA PROPOSAL: The Clea Power Pla will help cut carbo pollutio from the power sector by 30 percet from 2005 levels. The proposal will also cut pollutio that leads to soot ad smog by over 25 percet i The Clea Power Pla will lead to climate ad health beefits worth a estimated $55 billio to $93 billio i 2030, icludig avoidig 2,700 to 6,600 premature deaths ad 140,000 to 150,000 asthma attacks i childre. These climate ad health beefits far outweigh the estimated aual costs of the pla, which are $7.3 billio to $8.8 billio i From the soot ad smog reductios aloe, for every dollar ivested through the Clea Power Pla, America families will see up to $7 i health beefits. EPA projects that the Clea Power Pla will cotiue to icrease eergy efficiecy ad reduce growth i demad for electricity. Natioally, this meas that, i 2030 whe the pla is fully implemeted, electricity bills would be expected to be roughly 8 percet lower tha they would [have] bee without the actios i state plas. That would save Americas about $8 o a average mothly residetial electricity bill, savigs they would t see without the states efforts uder this rule. FIGURE 1: Historic Natioal CO 2 Emissios vs. EPA Clea Power Pla Proposal & NRDC Proposal Estimates Historical Emissios EPA Proposal - Optio 1 (State Compliace) NRDC Proposal - Moderate Case (Full Efficiecy) NRDC Proposal - Ambitious Case (Full Efficiecy) EPA Base Case (Busiess as Usual) PAGE 2 NRDC Summary of EPA s Clea Power Pla
3 EPA S PROPOSED REGULATIONS: The proposal has two mai elemets: 1. state-specific emissio rate-based CO 2 goals ad 2. guidelies for the developmet, submissio ad implemetatio of state plas. While this proposal lays out state-specific CO 2 goals that each state is required to meet, it does ot prescribe how a state should meet its goal. CAA Sectio 111(d) creates a partership betwee the EPA ad the states uder which the EPA sets these goals ad the states take the lead o meetig them by creatig plas that are cosistet with the EPA guidelies. It also allows states to pursue policies to reduce carbo pollutio that: 1. cotiue to rely o a diverse set of eergy resources, 2. esure electric system reliability, 3. provide affordable electricity, 4. recogize ivestmets that states ad power compaies are already makig, ad 5. ca be tailored to meet the specific eergy, evirometal ad ecoomic eeds ad goals of each state. Each state ca do so aloe or ca collaborate with other states o multi-state plas that may provide additioal opportuities for cost savigs ad flexibility. EPA is required by the Clea Air Act to establish a best system of emissios reductio (BSER) i establishig state stadards. Overall, the BSER proposed here is based o a rage of measures that fall ito four mai categories, or buildig blocks, which comprise improved operatios at EGUs, dispatchig lower-emittig EGUs ad zero-emittig eergy sources, ad ed-use eergy efficiecy. All of these measures have bee amply demostrated via their curret widespread use by utilities ad states. While the state-specific goals that the EPA is proposig i this rule are based o cosistet applicatio of a sigle goalsettig methodology across all states, the goals accout for these key differeces. The state-specific CO 2 goals derived from applicatio of the methodology vary because, i settig the goals for a state, the EPA used data specific to each state s EGUs ad certai other attributes of its electricity system (e.g., curret mix of geeratio resources). The agecy is proposig state-specific fial goals that must be achieved by o later tha the year EPA also proposes iterim goals that must be achieved, o average, durig the 2020 to 2029 period. THE FOUR TOOLS IN THE TOOLBOX ARE: Makig existig coal plats more efficiet. Hardware ad software tweaks ca produce, o average, 6% more electricity out of a to of coal. Usig existig gas plats more effectively. Relyig o already built gas power plats i a state ad those i the pipelie achieves low-cost reductios by makig better use of capital ivestmets already made i each state. EPA forecasts that the pla will reduce our atio s gas use over time. Usig coservative assumptios about what efficiecy ad reewables ca do, gas use i the power sector would be 5% less i 2030 with the rule tha without it. Icreased reewables ad uclear. The proposal evaluates reewables i various regios ad applies the level of growth i reewables that is the average of the reewable promotio policies adopted i each regio. It also assumes uclear uits uder costructio are completed. Icreased ed-use eergy efficiecy. The proposal applies eergy efficiecy policies already adopted by may states. EPA assumes a slow ramp-up to levels i the middle of the pack, ot leadig-edge requiremets. TABLE 1: SUMMARY OF THE BSER BUILDING BLOCKS BUILDING BLOCKS DESCRIPTION ASSUMPTIONS FOR GOAL SETTING FORMULA NET COST ESTIMATE ($/METRIC TON) 1 Makig existig coal plats more efficiet Reducig the carbo itesity of geeratio at idividual affected EGUs through heat rate improvemets Average heat rate improvemet of 6% for coal steam electric geeratig uits (EGUs) $6 to $12 2 Usig Existig Gas Plats More Effectively Reducig emissios from the most carbo-itesive affected EGUs i the amout that results from substitutig geeratio at those EGUs with geeratio from less carbo-itesive affected EGUs (icludig NGCC uits uder costructio) Dispatch to existig ad uder-costructio atural gas combied cycle (NGCC) uits to up to 70% capacity factor $30 3 Icreased Reewable ad Nuclear Reducig emissios from affected EGUs i the amout that results from substitutig geeratio at those EGUs with expaded low- or zero-carbo geeratio Dispatch to ew clea geeratio, icludig ew uclear geeratio uder costructio, moderate deploymet of ew reewable geeratio, ad cotiued use of existig uclear geeratio Icrease demad-side eergy efficiecy to 1.5% aually $10 to $40 4 Icreased Ed-use Eergy Efficiecy Reducig emissios from affected EGUs i the amout that results from the use of demad-side eergy efficiecy that reduces the amout of geeratio required $16 to $24 PAGE 3 NRDC Summary of EPA s Clea Power Pla
4 EPA S ASSUMPTIONS FOR RENEWABLES, NUCLEAR AND ENERGY EFFICIENCY Icreased use of Reewable ad Nuclear Plats (Buildig Block 3): EPA s assumptios for the expasio of reewable eergy are very modest ad based o what states i each regio have already committed to do. State reewable portfolio stadard (RPS) commitmets vary sigificatly, ad as a result the scale of the reewables buildig block also varies by regio. The EPA proposal also couts existig reewables towards the target, so i may cases the emissios reductio opportuity from ew reewable resources is ot cosidered. The proposal adjusts state targets to accout for 6% of the existig uclear fleet. It does this by addig 6% of curret uclear electricity geeratio, i megawatt hours (MWh), to the deomiator of each state s target. This creates a icetive for states to retai existig uclear plats. The proposal does ot address the safety or the ecoomic status of particular uclear plats at risk of closig. Icreased use of Ed-use Eergy Efficiecy (Buildig Block 4): The eergy efficiecy buildig block assumes states expad programs at a very modest rate to achieve eergy savigs levels that 12 leadig states have already committed to reach today 1.5% aual savigs. For states that are ot already achievig this level, EPA ramps-up the expected eergy efficiecy savigs slowly, at 0.2% per year. The proposal assumes very high eergy efficiecy program costs (almost double what most experts report) ad assumes a short life-spa for eergy efficiecy measures. Eve with these very coservative assumptios, efficiecy remais a importat ad low-cost tool i EPA s aalysis. More reasoable assumptios, reflectig established market treds ad empirical state program results, would sigificatly icrease the projected emissios reductios delivered by this buildig block, thereby resultig i stroger state-by-state emissios reductio targets for 2020 ad EPA IS PROPOSING A TWO-PART GOAL STRUCTURE: a iterim goal that a state must meet o average over the te-year period from ad a fial goal that a state must meet at the ed of that period i 2030 ad thereafter. A state could adopt the rate-based form of the goal established by the EPA or a equivalet mass-based form of the goal. 1 A multi-state approach icorporatig either a rate- or mass-based goal would also be approvable based upo a demostratio that the state s pla would achieve the equivalet i strigecy, icludig compliace timig, to the state-specific rate-based goal set by the EPA. PAGE 4 NRDC Summary of EPA s Clea Power Pla
5 STATE TARGETS The followig table shows the state itesity-based emissio stadards (lbs/mwh) EPA has set i compariso to historic emissios rates. As oted, the differece i each state s target is due to the differet amout of carbo pollutio reduced whe EPA applied the four carbo pollutio reductios tools to each state s eergy portfolio. I order to depict how the four buildig blocks cotribute to the state targets proposed by EPA, NRDC created the figure below, showig the relative cotributio of each buildig block to each state s overall emissios target i The figure shows the relative cotributio of each block e.g., eergy efficiecy to the target set for each state. 2 TABLE 2: Proposed State Targets STATE 2012 Emissio Rate (Fossil, Reew. ad 6% Nuclear) (lbs/mwh) Iterim ( average) Iterim Percet Reductio to State (2030 ad thereafter) 2030 Percet Reductio to 2012) STATE 2012 Emissio Rate (Fossil, Reew. ad 6% Nuclear) (lbs/mwh) Iterim ( average) Iterim Percet Reductio to State (2030 ad thereafter) 2030 Percet Reductio to 2012) Alabama 1,444 1,147-21% 1,059-27% Alaska 1,351 1,097-19% 1,003-26% Arizoa 1, % % Arkasas 1, % % Califoria % % Colorado 1,714 1,159-32% 1,108-35% Coecticut % % Delaware 1, % % Florida 1, % % Georgia 1, % % Hawaii 1,540 1,378-11% 1,306-15% Idaho % % Illiois 1,895 1,366-28% 1,271-33% Idiaa 1,923 1,607-16% 1,531-20% Iowa 1,552 1,341-14% 1,301-16% Kasas 1,940 1,578-19% 1,499-23% Ketucky 2,158 1,844-15% 1,763-18% Louisiaa 1, % % Maie % % Marylad 1,870 1,347-28% 1,187-37% Massachusetts % % Michiga 1,696 1,227-28% 1,161-32% Miesota 1, % % Mississippi 1, % % Missouri 1,963 1,621-17% 1,544-21% Motaa 2,245 1,882-16% 1,771-21% Nebraska 2,009 1,596-21% 1,479-26% Nevada % % New Hampshire % % New Jersey % % New Mexico 1,586 1,107-30% 1,048-34% New York % % North Carolia 1,646 1,077-35% % North Dakota 1,994 1,817-9% 1,783-11% Ohio 1,850 1,452-22% 1,338-28% Oklahoma 1, % % Orego % % Pesylvaia 1,540 1,179-23% 1,052-32% Rhode Islad % % South Carolia 1, % % South Dakota 1, % % Teessee 1,903 1,254-34% 1,163-39% Texas 1, % % Utah 1,813 1,378-24% 1,322-27% Virgiia 1, % % Washigto % % West Virgiia 2,019 1,748-13% 1,620-20% Wiscosi 1,827 1,281-30% 1,203-34% Wyomig 2,115 1,808-15% 1,714-19% PAGE 5 NRDC Summary of EPA s Clea Power Pla
6 FIGURE 2: Cotributio of Each Buildig Block to the State CHANGE IN STATE GOAL: 2012 BASELINE TO 2030 (LBS/MWH) - 1, Alabama Alaska Arizoa Arkasas Califoria Colorado Coecticut Delaware Florida Georgia Hawaii Idaho Illiois Idiaa Iowa Kasas Ketucky Louisiaa Maie Marylad Massachusetts Michiga Miesota Mississippi Missouri Motaa Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolia North Dakota Ohio Oklahoma Orego Pesylvaia Rhode Islad South Carolia South Dakota Teessee Texas Utah Virgiia Washigto West Virgiia Wiscosi Wyomig Block 1 (Heat Rate) Block 2 (NG Dispatch) Block 3 (Reewables & Nuclear) Block 4 (Eergy Efficiecy) PAGE 6 NRDC Summary of EPA s Clea Power Pla
7 THE PROPOSAL OFFERS STATES SIGNIFICANT FLEXIBILITY IN CRAFTING STATE PLANS: While this proposal lays out state-specific CO 2 goals that each state is required to meet, it does ot prescribe how a state should meet its goal. CAA Sectio 111(d) creates a partership betwee the EPA ad the states uder which the EPA sets these goals ad the states take the lead o meetig them by creatig plas that are cosistet with the EPA guidelies. Each state ca do so aloe or ca collaborate with other states o multi-state plas that may provide additioal opportuities for cost savigs ad flexibility. Addressig a cocer raised by both utilities ad states, the EPA is proposig that states could choose approaches i their compliace plas uder which full resposibility for actios achievig reductios is ot placed etirely upo emittig electric geeratig uits (EGUs); istead, state plas could iclude measures ad policies (e.g., demad-side eergy efficiecy programs ad reewable portfolio stadards) for which the state itself is resposible. The EPA is proposig to evaluate ad approve state plas based o four geeral criteria: 1. eforceable measures that reduce EGU CO 2 emissios; 2. projected achievemet of emissio performace equivalet to the goals established by the EPA, o a timelie equivalet to that i the emissio guidelies; 3. quatifiable ad verifiable emissio reductios; ad 4. a process for bieial reportig o pla implemetatio, progress toward achievig CO 2 goals, ad implemetatio of corrective actios, if ecessary. The Presidetial Memoradum also calls for a deadlie of Jue 30, 2016, for states to submit their state plas. The EPA is proposig that each state must submit a pla to the EPA by Jue 30, However, the EPA recogizes that some states may eed more tha oe year to complete all of the actios eeded for their fial state plas, icludig techical work, state legislative ad rulemakig activities, coordiatio with third parties, ad coordiatio amog states ivolved i multi-state plas. Therefore, the EPA is proposig a optioal two-phased submittal process for state plas. Each state would be required to submit a pla by Jue 30, 2016, that cotais certai required compoets. If a state eeds additioal time to submit a complete pla, the the state must submit a iitial pla by Jue 30, 2016 that documets the reasos the state eeds more time ad icludes commitmets to cocrete steps that will esure that the state will submit a complete pla by Jue 30, 2017 or 2018, as appropriate. If the state develops a pla that icludes a multi-state approach, it would have util Jue 30, 2018 to submit a complete pla. Further, the EPA is proposig that states participatig i a multi-state pla may submit a sigle joit pla o behalf of all of the participatig states. Edotes 1 The mass-based goal developmet appears to require the states to complete a modelig exercise to develop the toage targets. See TSD: Projectig EGU CO 2 Emissio Performace i State Plas, sectio III, page13. 2 Note: the icreases i itesity for Block 3 i a few states appear to be due to a calculatio or trascriptio error i EPA s tables. PAGE 7 NRDC Summary of EPA s Clea Power Pla
Adoptio Date: 4 March 2004 Effective Date: 1 Jue 2004 Retroactive Applicatio: No Public Commet Period: Aug Nov 2002 INVESTMENT PERFORMANCE COUNCIL (IPC) Preface Guidace Statemet o Calculatio Methodology
Itegrated Productio ad Ivetory Cotrol System MRP ad MRP II Framework of Maufacturig System Ivetory cotrol, productio schedulig, capacity plaig ad fiacial ad busiess decisios i a productio system are iterrelated.
No Oe Beefits How teacher pesio systems are failig BOTH teachers ad taxpayers Authors Kathry M. Doherty, Sadi Jacobs ad Trisha M. Madde Pricipal Fudig The Bill ad Melida Gates Foudatio ad the Joyce Foudatio.
INVESTMENT PEFOMANCE COUNCIL (IPC) INVITATION TO COMMENT: Global Ivestmet Performace Stadards (GIPS ) Guidace Statemet o Calculatio Methodology The Associatio for Ivestmet Maagemet ad esearch (AIM) seeks
529 DC College Savigs Pla Helpig Childre Reach a Higher Potetial reach Sposored by Govermet of the District of Columbia Office of the Mayor Office of the Chief Fiacial Officer Office of Fiace ad Treasury
1/5 The Frech Govermet has three objectives : > improve Frace s fiscal competitiveess > cosolidate R&D activities > make Frace a attractive coutry for iovatio Tax icetives have become a key elemet of public
FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer
Flood Emergecy Respose Pla This reprit is made available for iformatioal purposes oly i support of the isurace relatioship betwee FM Global ad its cliets. This iformatio does ot chage or supplemet policy
60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you
Comfort for Life CAPT CAPF CHPF CAUF CSCF Evaporator Coils www.daikicomfort.com "I'm a Daiki Comfort Pro" Those five simple words ca offer you comfort like you ve ever experieced. The words mea that the
March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios
CCH Accouts Productio accouts productio facig today s challeges Preparig statutory ad fiacial accouts is a core activity for our practice, as it is for may professioal firms. Although legislatio ad accoutig
TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects
Subject CT5 Cotigecies Core Techical Syllabus for the 2015 exams 1 Jue 2014 Aim The aim of the Cotigecies subject is to provide a groudig i the mathematical techiques which ca be used to model ad value
Public Procuremet Practice STANDARD The decisio to lease or purchase should be cosidered o a case-by case evaluatio of comparative costs ad other factors. 1 Procuremet should coduct a cost/ beefit aalysis
Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet
Idustrial & Eergy Producig Facilities The applicatio of the Tyfo FIBRWRAP System i idustrial & eergy producig facilities (buildigs, silos, chimeys, plats, uclear facilities ad more) FIBRWRAP CONSTRUCTION
Wells Fargo Isurace Services Claim Cosultig Capabilities Claim Cosultig Claims are a uwelcome part of America busiess. I a recet survey coducted by Fulbright & Jaworski L.L.P., large U.S. compaies face
The Forgotte Middle Esurig that All Studets Are o Target for College ad Career Readiess before High School Executive Summary Today, college readiess also meas career readiess. While ot every high school
STRATEGIC OUTCOMES PRACTICE TECHNICAL ADVISORY BULLETIN February 2011 FIRE PROTECTION SYSTEM INSPECTION, TESTING AND MAINTENANCE PROGRAMS www.willis.com Natioal Fire Protectio Associatio (NFPA) #25 a mai
Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE
CCH Accoutats Starter Pack We may be a bit smaller, but fudametally we re o differet to ay other accoutig practice. Util ow, smaller firms have faced a stark choice: Buy cheaply, kowig that the practice
Credit Suisse Healthcare Coferece Michael E. Kamarck, Ph.D. Executive Vice Presidet, Techical Ops ad Product Supply November 12, 2008 Forward-Lookig Statemet The statemets i this presetatio that are ot
1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.
Chapter 5 Uit Aual Amout ad Gradiet Fuctios IET 350 Egieerig Ecoomics Learig Objectives Chapter 5 Upo completio of this chapter you should uderstad: Calculatig future values from aual amouts. Calculatig
Ivestor BulletI How to read A Mutual Fud shareholder report The SEC s Office of Ivestor Educatio ad Advocacy is issuig this Ivestor Bulleti to educate idividual ivestors about mutual fud shareholder reports.
A GUIDE TO LEVEL 3 VALUE ADDED IN 2013 SCHOOL AND COLLEGE PERFORMANCE TABLES Cotets Page No. Summary Iterpretig School ad College Value Added Scores 2 What is Value Added? 3 The Learer Achievemet Tracker
Optimize your Network I the Courier, Express ad Parcel market ADDING CREDIBILITY Meetig today s challeges ad tomorrow s demads Aswers to your key etwork challeges ORTEC kows the highly competitive Courier,
Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three
For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether
How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.
Determiig the sample size Oe of the most commo questios ay statisticia gets asked is How large a sample size do I eed? Researchers are ofte surprised to fid out that the aswer depeds o a umber of factors
Preservig Your Fiacial Legacy with Life Isurace Premium Fiacig. Prepared by: Keeth M. Fujita, Natioal Director, The Private Bak Specialty Fiace Group Life Isurace Premium Fiace. James Mosrie, Seior Wealth
Idividual ad Family Plas DEDUCTIBLE PLANS How deductible plas work Deductible plas geerally offer lower mothly premiums i exchage for payig more out of your ow pocket for services covered by your health
ItelliSOURCE Comverge s eterprise software platform provides the foudatio for deployig itegrated demad maagemet programs. ItelliSOURCE Demad maagemet programs such as demad respose, eergy efficiecy, ad
Preset Value Tax Expediture Estimate of Tax Assistace for Retiremet Savig Tax Policy Brach Departmet of Fiace Jue 30, 1998 2 Preset Value Tax Expediture Estimate of Tax Assistace for Retiremet Savig This
PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.
INTRODUCTION TIER WORKING PAPER No. 0 REFURBISHMENTS AND AUGMENTATIONS Workig Paper No. How Water Prices are Set provided a overview of how water prices are set o the basis of lower boud costs. As oted
ODBC Gettig Started With Sage Timberlie Office ODBC NOTICE This documet ad the Sage Timberlie Office software may be used oly i accordace with the accompayig Sage Timberlie Office Ed User Licese Agreemet.
ENERGY STORAGE ROADMAP NL 2030 System itegratio ad the role of eergy storage CONTENTS Itroductio Project method Services that ca be provided with eergy storage systems Sceario aalysis ad ecoomic aalysis
FPO A global telecom s strategy for Caada A global telecom s strategy for Caada Global telecommuicatios compaies that support multi-atioal corporatios (MNC) are tasked with providig a cosistet cliet experiece
Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted
Prescribig costs i primary care LONDON: The Statioery Office 13.50 Ordered by the House of Commos to be prited o 14 May 2007 REPORT BY THE COMPTROLLER AND AUDITOR GENERAL HC 454 Sessio 2006-2007 18 May
CCH CRM cliet relatios facig today s challeges As a accoutacy practice, maagig relatioships with our cliets has to be at the heart of everythig we do. That s why our CRM system ca t be a bolt-o extra it
How To Fid FINANCING For Your Busiess Oe of the most difficult tasks faced by the maagemet team of small busiesses today is fidig adequate fiacig for curret operatios i order to support ew ad ogoig cotracts.
30 Caada What is IT Goverace? ad why is it importat for the IS auditor By Richard Brisebois, pricipal of IT Audit Services, Greg Boyd, Director ad Ziad Shadid, Auditor. from the Office of the Auditor Geeral
1 CCH Practice Maagemet practice maagemet facig today s challeges Every year it seems we face more regulatios, growig cliet expectatios ad lower margis o our compliace work. It s a tough time for a accoutig
Residetial a guide to sellig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells up to 700 millio of property at auctio Holds at least seve residetial ad six
6 Statemet of cash flows this chapter covers... I this chapter we study the statemet of cash flows, which liks profit from the statemet of profit or loss ad other comprehesive icome with chages i assets
Itroductio to the Time Value of Moey Lecture Outlie I. Why is there the cocept of time value? II. Sigle cash flows over multiple periods III. Groups of cash flows IV. Warigs o doig time value calculatios
Makig traiig work for your busiess Itegratig core skills of laguage, literacy ad umeracy ito geeral workplace traiig makes sese. The iformatio i this pamphlet will help you pla for ad build a successful
CDs Bought at a Bak verses CD s Bought from a Brokerage Floyd Vest CDs bought at a bak. CD stads for Certificate of Deposit with the CD origiatig i a FDIC isured bak so that the CD is isured by the Uited
Supply Chai Maagemet LOA Uiversity October 9, 205 Distributio D Distributio Authorized to Departmet of Defese ad U.S. DoD Cotractors Oly Aim High Fly - Fight - Wi Who am I? Dr. William A Cuigham PhD Ecoomics
Natioal Edowmet for the Arts Al l Am e r i c a s a St a g e : Growth ad Challeges i Noprofit Theater Preface Photo by Vace Jacobs The Natioal Edowmet for the Arts ew report, All America s a Stage, provides
WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig
A Guide to the Pricig Covetios of SFE Iterest Rate Products SFE 30 Day Iterbak Cash Rate Futures Physical 90 Day Bak Bills SFE 90 Day Bak Bill Futures SFE 90 Day Bak Bill Futures Tick Value Calculatios
Sectio 3: Reters ad Retal Uits About two millio New York City households roughly two-thirds ret their homes. Over the past decade retal housig has become less affordable to may New Yorkers. Give the dowtur
Retiremet System for Employees ad Teachers of the State of Marylad hadbook ed 0 vis 01 R e ly 2 Ju MARYLAND STATE RETIREMENT ad PENSION SYSTEM Beefits RETIREMENT SYSTEM FOR EMPLOYEES AND TEACHERS OF THE
News SOLELY FOR BENEFIT December 2012 BOARD OF DIRECTORS PRESIDENT Tret White Pharmacists Associatio of Newfoudlad ad Labrador (PANL) SECRETARY/TREASURER Price Edward Islad Pharmacists Associatio (PEI)
Report by the Comptroller ad Auditor Geeral Comptroller ad Auditor Geeral s Stadard Report o the Accouts of the Ilad Reveue 2004-05 Issued uder Sectio 2 of the Exchequer ad Audit Departmets Act 1921 as
MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet
HM Reveue & Customs Maagemet of Tax Debt REPORT BY THE COMPTROLLER AND AUDITOR GENERAL HC 1152 Sessio 2007-2008 20 November 2008 The Natioal Audit Office scrutiises public spedig o behalf of Parliamet.
Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how
Educatioal Techology Cooperative Treds i State-Ru Virtual Schools i the SREB Regio February 2013 Souther Regioal Educatio Board 592 10th St. N.W. Atlata, GA 30318 (404) 875-9211 www.sreb.org Iside Summary
IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form
Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are
H E A L T H C A R E D E L I V E R Y S Y S T E M C A S E M A N A G E M E N T E D U C A T I O N Advacemet FORUM CULTIVATING LEADERS IN CASE MANAGEMENT DATES AND LOCATIONS LOS ANGELES, CA DECEMBER 11 DALLAS,
BaaERP 5.0c Maufacturig Egieerig Data Maagemet Module Procedure UP128A US Documetiformatio Documet Documet code : UP128A US Documet group : User Documetatio Documet title : Egieerig Data Maagemet Applicatio/Package
Maual VMware Lesso 1: Uderstadig the VMware Product Lie I this lesso, you will first lear what virtualizatio is. Next, you ll explore the products offered by VMware that provide virtualizatio services.
Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory
Establishig State Health Isurace Exchages A Review of Critical Issues, Opportuities ad Risks Cotributors: Thomas C. Lerche, Natioal Practice Leader, Health Care Philip A. Peterso, FSA, Natioal Practice
B. Maddah ENMG 6 Simulatio 05/0/07 Output Aalysis (, Chapters 10 &11 Law) Comparig alterative system cofiguratio Sice the output of a simulatio is radom, the comparig differet systems via simulatio should
Housto Housto Idepedet School District Program Name: Implemeted: Program Type: Legal Authorizatio: Weighted Studet Formula 2000-2001 School Year District-Wide School Board Policy School Empowermet Bechmarks
CHAPTER 7 FI A CIAL MATHEMATICS Page Cotets 7.1 Compoud Value 117 7.2 Compoud Value of a Auity 118 7.3 Sikig Fuds 119 7.4 Preset Value 122 7.5 Preset Value of a Auity 122 7.6 Term Loas ad Amortizatio 123
Pre-Suit Collectio Strategies Writte by Charles PT Phoeix How to Decide Whether to Pursue Collectio Calculatig the Value of Collectio As with ay busiess litigatio, all factors associated with the process