effect on major accidents

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "effect on major accidents"

Transcription

1 An Investigation into a weekend (or bank hoiday) effect on major accidents Nicoa C. Heaey 1 and Andrew G. Rushton 2 1 Heath and Safety Laboratory, Harpur Hi, Buxton, Derbyshire, SK17 9JN 2 Hazardous Instaations Directorate, Heath and Safety Executive, Redgrave Court, Boote, L2 7HS Crown Copyright 28. This artice is pubished with the permission of the controer of HMSO and the Queen s Printer for Scotand A number of recent and high profie accidents in the process industries have occurred on bank hoidays or at weekends. This has ed to the suggestion that there was a potentia for higher numbers of accidents, particuary those cassed as major accidents, to occur on a bank hoiday or a weekend. If this perception shoud represent an actua effect, there coud be serious impications for the work of the safety reguators of major hazard industries and the industries themseves. The Heath and Safety Laboratory (HSL), was commissioned by the Heath and Safety Executive (HSE) to anayse a seection of data on major accidents. The aim of the anaysis was to identify whether there was evidence of a weekend or bank hoiday increase in the numbers of major accidents. Attempts were made to normaise the data to account for the reduced operations and staffing eves sometimes present at process industry sites on weekends or bank hoidays. Unfortunatey, sufficient data coud not be found to normaise the accident data in these respects. Main findings are: Anaysis of the aggregated data and sub-sets consistenty faied to provide evidence for either a weekend or bank hoiday increase in the number of major accidents. Fairy consistent evidence was seen of a mid-week peak and a weekend dip in the number of accidents reported. Chi-Square tests consistenty showed either no significant difference, or significanty more accidents occurring on a weekday in comparison with accidents occurring on a Saturday, Sunday or bank hoiday. In essence, the resuts show either no evidence of an effect, or that the effect is too weak to stand out over other factors within the data avaiabe. INTRODUCTION Unfortunatey, major accidents invoving dangerous substances in the process industries have occurred and continue to occur despite continued efforts aimed at their prevention, contro and mitigation. The contro and reguation of process industry major hazards is informed by anaysis of those accidents (as we as by first principes approaches to hazard management).

2 Severa high profie incidents have occurred at weekends. Exampes incude those at Fixborough, Seveso, Miford Haven and Buncefied (Parker, 1975, Orsini 1977, HSE 1997, Newton 26). The pubication, in 25, of a report into a bank hoiday incident at the Humber Refinery in the UK (HSE 25) was the prompt for the present work. Specuation based on anecdota evidence, has ed to the suggestion that there is a potentia for higher than proportionate numbers of accidents, particuary those cassed as major accidents, to occur on a bank hoiday or a weekend (Saturday or Sunday). Here, this postuated increase of accident incidence on a weekend day or bank hoiday is termed a weekend (or bank hoiday) effect. The term bank hoiday is not used in the strict sense, but is used oosey to refer to the kinds of nationa hoiday days when roes that are normay fied on week days wi not be fied. If this perception shoud represent an actua effect, there coud be serious impications for the work of the reguators regarding major hazard activities and industries. The confirmation of any cear weekend (or bank hoiday) effect might justify further research carifying the causes of the effect and the targeting of resources on reduction of those causes or the introduction of additiona barriers taiored to the identified effect paths. This paper reports the findings of research carried out by the Heath and Safety Laboratory, commissioned by the Heath and Safety Executive. An anaysis of data from a seection of major accident ists and databases was performed, to search for significant differences in the numbers of major accidents occurring on weekdays when compared with weekend days and bank hoidays. Significant differences might provide evidence in support of a weekend or bank hoiday effect on the occurrence of major accidents. More specificay, the objectives of the exercise were: To review five coections (ists or databases) of major accident information (data sources); Identify whether these accidents occurred on a weekday, weekend or bank hoiday; Anayse the data to determine significant (or non-significant) differences in accidents occurring on a weekend or bank hoiday in comparison to non bank hoiday weekdays. Throughout this paper the term accident is used to refer to accidents and incidents recorded across the five sources of data. Fu detais of the anaysis are reported by Heaey 27. This paper provides a summary of the work and some discussion of the context and impications. Previous Work A iterature search found no previous work specificay investigating the presence of a weekend or bank hoiday effect on the occurrence of major accidents. A study of fata accidents at work associated with maintenance (HSE, 1985) found that accidents occurred throughout the working week with a peak observed mid-week. Surprisingy, ony 13% happened during weekend maintenance work, but this may be affected by the recession or reduced production pressures. If accidents were proportionatey 2

3 spread over the entire week (that is, if there were no reduction in activity or numbers of peope at risk and accidents were eveny distributed) then of course about 3% of accidents woud occur at weekends (2/7 ~.3). Data Sources and Anaysis A seection of five data sources, with appropriate incusion criteria, were identified and utiised throughout this work. Appendix A gives an outine description of the sources, an indication of the criteria for incusion of data in each source and, where appropriate, additiona criteria appied in the data seected for this study. The data sources covered a varying range of the process industries, and varied in their incusion criteria. Each of the five data sources was interrogated and information extracted. Journa artices and websites (see references) were used to suppement the date and country information from the accident data sources to identify the day of the week an accident occurred on. Using this information most accidents coud be tagged according to whether they occurred on weekdays, weekends or bank hoidays. There was apparent repication of some accident reports both within and between the various data sources. In some cases the repication was cear, whist in other cases it was not so cear. Where possibe, repicated accident reports were removed to reduce the ikeihood of dupication in the anayses. HSL reied on its subjective judgement to remove this repicated information. Attempted Normaisation of the Data There are potentiay numerous and varied factors which might infuence the occurrence of accidents on weekdays, weekends or bank hoidays. One obvious factor is the extent to which operations may (or may not) differ: some sites wi operate in simiar mode regardess of the day of the week, others may operate very differenty (perhaps not at a) on a bank hoiday. Another factor is the presence of popuation (both on and around the major hazard site). The effects of these factors may be simpe (e.g. fewer operations eading to fewer opportunities for accidents) or compex (e.g. fewer peope on site may resut in fewer casuaties in the event of an accident, or, a greater number of peope on site, by virtue of their appropriate actions, may inhibit the escaation from an initiating event to a reportabe accident). A fair comparison of the incidence of accidents (and their consequences) woud take account of other factors which raise or ower the potentia for such accidents at weekends or bank hoidays. To some extent the occurrence of accidents may be inhibited at weekends or bank hoidays if operations are reduced or consequences may be inhibited if fewer peope are present. So, for exampe, a fair comparison woud take account of reduced operations (or exposure to consequences) outside weekdays. In the discussion above, a simpe definition of weekend (i.e. a Saturday and Sunday) has been used. However if there is a weekend effect it may not be reevant to 3

4 distinguish between midnight on Sunday and resumption of norma office hours on Monday. A weekend effect may aso be somehow reated to (or, at best, confounded with) diurna effects (which have been studied separatey, Fortson 24). It was, therefore, desirabe to expore whether the anaysis was sensitive to scaing of the data to factors such as degree of weekend working and popuation present. So it was envisaged that aternative anayses woud be undertaken with the data normaised in respect of these factors. Literature and abstract searches were carried out in order to identify a method (i.e. a reevant data source) for normaising the major accident data, in ine with differences in the productivity eves and work patterns typicay observed in the different industries reporting accidents. An appropriate source for this information was not identified. Furthermore, the accident information hed in the data sources was not detaied enough to identify information such as staff shift patterns or patterns in productivity eves, and normaisation of the accident data was not possibe (neither for these factors nor for other factors). Anaysis Anaysis was performed on the aggregated data from a sources, on data from each source separatey (or a seection of that singe-source data) and on subdivisions of the aggregated data (for exampe, the aggregated set of accidents with reported consequences incuding ten or more fataities). The Chi-square test was appied to the accident information coected from the five data sources to assess the significance (or non-significance) of differences between the proportions of major accidents occurring on weekdays, weekends and bank hoidays. A variety of t-test was used to determine the statistica significance of differences in the reative proportions of weekend to weekday accidents in subsets of the data, when compared with the same proportions in the overa aggregated data. RESULTS An overview anaysis was performed on the aggregated data from a sources. The raw aggregated dataset consisted of information reating to 4333 accidents, coected across the five data sources. Repicated accident reports (numbering 487) were removed from the dataset before the overview anaysis. The remaining sampe of 3846 accidents were cassified according to the day of the week on which they occurred. Figure shows the breakdown of the accidents, by day of the week. Information was not avaiabe (N/A) for some accidents. The chart shows a mid-week peak and a decrease in accidents reported as occurring at the weekend (Saturday and Sunday). Tabe 1 shows the breakdown of the sampe, by bank hoiday accidents. To determine a bank hoiday both the country, and exact date were required. This additiona data was not aways avaiabe eading to a higher number of accidents cassed as N/A. 4

5 Tota No Breakdown of accident information by day of week Mon Tues Wed Thurs Fri Sat Sun N/A Day of Week Figure 1. Breakdown of accident information by day of week (n = 3846) Resuts of Chi-square cacuations showed there were significanty more accidents on a weekday (Monday Friday) than on a Saturday, Sunday, weekend (Saturday and Sunday) or bank hoiday in this overa sampe. A itte over 2% of accidents occurred on a weekend (compared with ~3% for a fat distribution). Significanty more accidents occurred on a Saturday, in comparison to a Sunday. Anaysis: by Data Source and by Consequence (numbers of fataities) Further anayses of the accident data were aso performed to expore the sensitivity of features in the data to the data source and to a measure of accident consequence (number of fataities). The data from each data source in isoation was anaysed. The resuts for each data source, comparabe with Figure 1 for the aggregated data, are presented in Appendix A. The aggregated data was subdivided by ranges of numbers of fataities (a crude indication of accident severity). The resuts are detaied in Heaey 27. In most cases, for either individua data sources or for subsets of the aggregated data based on bands of consequence (ranges of numbers of fataities), the features of the overview anaysis were confirmed. Tabe 1. Breakdown of bank hoiday accident information (n = 3846) Bank hoiday Tota no. accidents Yes 46 No 238 N/A 1492 Tota

6 Tota No Breakdown of Lees accident information by day of week Mon Tues Wed Thurs Fri Sat Sun N/A Day of Week Figure 2. Breakdown of Lees accident information by day of week (n = 551) There were some apparent distinctions between features of the overview anaysis and the anaysis of individua data sources or sub-sets of the aggregated data. For exampe, a reativey high proportion of weekend to weekday accidents was seen in both the Lees data (Figure 2, Appendix A) and a ten or more fataity accidents subset of the aggregated data, when compared to the overa aggregated data. A Chi-square test showed no significant difference between accidents on weekdays and weekends for these two cases, where the overa, aggregated data had shown significanty more accidents on weekdays. Further statistica anaysis was necessary to estabish whether this change was significant or merey a consequence of the smaer amount of data in a singe source or sub-set of the aggregated data. A form of t-test was used to determine the statistica significance of differences in the reative proportions of weekend to weekday accidents in individua data sources or sub-sets of the aggregated data, in comparison with the overa, aggregated sampe. A statisticay significant higher proportion of weekend to weekday accidents was observed in both the Lees data and a ten or more fataity accidents subset of the aggregated data, when compared to the overa aggregated data. Therefore, the dip in weekend accidents noted earier (HSE 1985) and here in the overview anaysis is significanty ess pronounced in some subsets of the data. Athough these findings do not show evidence in support of a weekend or bank hoiday effect, the resuts of the t-test suggest that some subsets of the data (in particuar the Lees data, and a ten or more fataity accidents subset of the aggregated data) are different in nature to the overa, aggregated data. It is possibe this is evidence of a weak, reative association of arger/more severe accidents with weekends. In no case was there evidence of an excess in the incidence of accidents on weekends (or bank hoidays). The fu resuts are reported by Heaey 27. DISCUSSION The aggregated data studied here is principay distinguished from the data reviewed earier by HSE (HSE 1985) by its focus on the process industries (i.e. excuding construction etc). 6

7 The aggregated data (particuary because it incudes the arge IChemE dataset) incudes a wide range of consequences, incuding but not imited to major accidents. From the distribution of accidents by day of the week (Figure 1) and statistica anaysis, it is cear that there is no absoute and disproportionate increase in the incidence of accidents on weekends (or bank hoidays). In no case were accidents occurring on weekends or on bank hoidays in excess of those expected in a fat distribution (where accident frequency is statisticay independent of the day). In the aggregated data, there is a reative increase in weekend accidents when compared to the broader-based study (from ~13% in HSE 1985 to ~2 % in the aggregated data here). There were significanty more accidents on a weekday (Monday Friday) than on a Saturday, Sunday, weekend (Saturday and Sunday) or bank hoiday in this overa sampe. A itte over 2% of accidents occurred on a weekend (compared with ~3% for a fat distribution). Significanty more accidents occurred on a Saturday, in comparison to a Sunday. Anaysis of the individua data sources which are more ceary restricted to major accidents (for exampe Lees), or subsets of the data more restricted to arge scae consequences (for exampe accidents associated with ten or more fataities) showed a weak reative increase in the incidence of accidents on weekends. But these increases were of itte or no statistica significance, or ese were confounded by the reduced amount of data. These anayses produced no genera evidence of a disproportionate increase in accident numbers on weekends or bank hoidays and no concusive evidence that more consequentia, infuentia or spectacuar accidents correate positivey with weekends or bank hoidays. There were some indications that more consequentia, infuentia or spectacuar accidents are reativey (but not absoutey) more ikey at weekends, though this may merey be due to a confounding factor (i.e. industries capabe of more consequentia, infuentia or spectacuar accidents may be more ikey to be operating on weekends and bank hoidays). When viewing the data cassified by consequence (simpy represented by number of fataities), there may be a confounding effect in that weekend (or bank hoiday) incidents may be ess consequentia than corresponding weekday events. For exampe, had the Fixborough disaster occurred during a norma working day (and been in other respects unchanged) the fataities in that incident might have been ten times greater (Rushton, 1998). There are, undoubtedy, some safety professionas who beieve there is a weekend (or bank hoiday) effect. Perhaps this beief is mistaken, or perhaps it is based on sound (if unsubstantiated) intuition. It is easy to conjecture how a weekend effect might arise. There may be fewer staff to detect incipient causes (accident initiators or barrier faiures), supervise interventions, respond to incipient causes or diagnose eading indicators. For exampe there may be more situations put on hod awaiting the attention of weekday staff or contractors. It is 7

8 easy to specuate on other features of bank hoiday and weekend working which might weaken or remove barriers to the initiation of or escaation to an event. It is possibe there is a weekend effect, that is too weak to stand out over other factors within the data avaiabe. Where common sense and/or engineering judgment indicates a greater propensity for initiation or escaation of events in some particuar circumstances (incuding but not imited to weekends or bank hoidays), then that propensity shoud of course be given proportionate attention in the management of hazards. CONCLUSIONS There are some safety professionas who beieve there is a disproportionate incidence of accidents (particuary major accidents) on weekend days or bank hoidays (a weekend (or bank hoiday) effect ). Study of the day of occurrence of a arge number of accidents in the process industries shows no statistica evidence of a weekend or bank hoiday increase in the numbers of major accidents. The main findings were: Anaysis of the aggregated accident data from five sources and sub sets of that data consistenty faied to provide convincing evidence for either a weekend or bank hoiday increase in the number of major accidents. Fairy consistent evidence was seen of a mid-week peak and a weekend dip in the number of accidents reported. Chi-Square tests consistenty showed either no significant difference, or significanty more accidents occurring on a weekday in comparison with accidents occurring on a Saturday, Sunday or bank hoiday. There is some weak evidence of a reative increase in incidence of accidents on weekends in the process industries compared to industry in genera. There is weak evidence of a reative increase in incidence of major accidents on weekends in the process industries compared to accidents in the process industries in genera. In essence, the work has shown either no evidence of an effect, or that the effect is too weak to stand out over other factors within the data avaiabe. Athough evidence was not found in support of a weekend or bank hoiday effect, at this juncture, such an effect has not been disproved. It is possibe that a weekend or bank hoiday effect may exist, but was not reveaed in this study due to the masking effect of other factors. A comprehensive understanding of the organisationa factors underying major accidents is vita in order to inform reguators and major hazard industries, regarding reguation and the prevention of major accidents. Where common sense and/or engineering judgment indicates a greater propensity for initiation or escaation of events in any particuar circumstances, then that propensity shoud be given proportionate attention. 8

9 In recognition of the imitations associated with this research, it is recommended that these findings be considered as a foundation for further work, with a focus on addressing some of the imitations encountered in this research. DISCLAIMER The views expressed in this paper are those of the authors aone and are not a statement of HSE poicy. REFERENCES EC, 1997, Counci Directive 96/82/EC of 9 December 1996 on the contro of majoraccident hazards invoving dangerous substances, Officia Journa of the European Communities, Luxembourg (aso known as the Seveso II directive ), as amended by Directive 23/15/EC. Fortson, K., 24, The Diurna pattern of on-the-job injuries, Monthy Labor Review, September Heaey, N., 27, An investigation into a weekend or bank hoiday effect on major accidents. HSL report. RSU/RM/7/4. HSE, 1985, Deady Maintenance A Study of Fata Accidents at Work, ISBN HMSO. HSE 1997, The exposion and fires at the Texaco Refinery, Miford Haven, 24 Juy 1994, ISBN HSE, 25, Pubic report of the fire and exposion at the Conoco Phiips Humber Refinery on 16 Apri 21 at Kirchsteiger, C., 21, MARS 4. An Eectronic Documentation & Anaysis System for Industria Accidents Data, European Commission, DG JRC, EUR EN, Ispra. Newton, Lord, 26, Buncefied: Initia Report to the Heath and Safety Commission and the Environment Agency of the investigation into the exposions and fires at the Buncefied oi storage and transfer depot, Heme Hempstead, on 11 December 25 at Orsini, B.,Pariamentary Commission of Inquiry on the Escape of Toxic Substances on 1 Juy 1976 at the ICMESA Estabishment and the Consequent Potentia Dangers to Heath and the Environment due to Industria Activity, Rome (Engish transation, HSE, 198) Parker, R.J., 1975, The Fixborough Disaster: Report of the Court of Inquiry, HMSO, ISBN Rushton, A.G., 1998, Lessons Learned from Past Accidents, in Risk assessment and management in the context of the Seveso II directive (Kirchsteiger C, Christou MD and Papadakis GA Eds.), Industria Safety Series Voume 6, Esevier. Data sources Institution of Chemica Engineers Accident database. A CD of Chemica and Processindustry accidents, created and maintained by IChemE. 9

10 Lees, F Loss Prevention in the Process Industries: hazard identification, assessment and contro. Voume 3 Appendices. 2nd Edition. Large Property Damage Losses in the Hydrocarbon-Chemica Industries: A Thirty-Year Review. 13th Edition, 199. Large Property Damage Losses in the Hydrocarbon-Chemica Industries A Thirty-Year Review. 19th Edition, 21. Major Accident Reporting System, accessed September 26 at: MHIDAS (Major Hazard Incident Data Service) database. Enquiries directed to the Heath and Safety Executive, Hazardous Instaations Directorate, Business Assurance and Operations Anaysis Team, Boote. Suppementary information Day of the week information accessed October 26 at: com/utiity/dayofweek.htm Day of the week and Bank hoiday information accessed October 26 at: timeanddate.com/caendar/ Bank hoiday information accessed October 26 at: Word Commercia hoidays, Business America, Dec 95, Vo. 116 Issue 12, p21 Appendix A: Sampe of data sources and appropriate reevance criteria Loss Prevention in the Process Industries. Lees. This is a persona seection/coection by the author (F.P. Lees) of major accidents reported by the process industry. The coection is in the form of a ist. So, the incusion criterion was the subjective discretion of Lees. A accidents in the ist were effectivey cassified as major by the author due to their incusion in the seection, and were a considered in this anaysis. The sampe of 551 accidents recorded in the Lees database were organised according to the day of the week they occurred on. Figure 2 shows the breakdown of the Lees accidents, by day of the week, N/A was used where information was not avaiabe. Large Property Damage Losses in the Hydrocarbon-Chemica Industries: A Thirty- Year Review. Marsh McLennan. This is a ist reviewing 1 arge property damage or osses occurring in the hydrocarbon processing and chemica industries over a thirty-year period. (Information reating to an additiona 15 accidents, taken from the atest version of the review was aso incuded). A accidents were incuded in this anaysis. The incusion criterion was economic oss (in the quaifying period and imited by number). The sampe of 115 accidents recorded in the Marsh McLennan database were organised according to the day of the week they occurred on. 1

11 Tota No Breakdown of M-M accident information by day of week Mon Tues Wed Thurs Fri Sat Sun N/A Day of Week Figure 3. Breakdown of Marsh McLennan accident information by day of week (n = 115) Figure 3 shows the breakdown of the Marsh McLennan accidents, by day of the week. MHIDAS. The Major Hazard Incidents Data Service. This is a coection of wordwide accidents recorded using information taken from the pubic domain. The coection is in the form of a database. The incusion criterion is incidents invoving hazardous materias that had an off-site impact, or had the potentia to have an off-site impact. Such impacts incude human casuaties or damage to pant, property or the natura environment. A accidents in the database are effectivey cassified as major due to the offsite impact (or potentia for offsite impact). The most recent 86 accidents recorded excuding those occurring in ong standing members of the European Union, i.e. Begium, France, (West) Germany, Itay, Luxembourg, Netherands, Denmark, Ireand, United Kingdom, Greece, Portuga, Spain were considered for this anaysis. This reduced set was used in order to minimise the number of accidents ikey to be incuded within the remit of the other data sources, therefore minimising repicated incidents in the anaysis. (The current work was imited to the incusion of 86 accidents due to project resources.) Figure 4 shows the breakdown of the MHIDAS accidents, by day of the week, N/A was used where information was not avaiabe. The graph shows a mid-week peak and a decrease in accidents reported as occurring at the weekend (Saturday and Sunday). EU MARS. The Major Accident Reporting System. This is a distributed information network compiing information from 15 databases in each member state of the European Union. A accidents in the compied database are effectivey cassified as major accidents, as the reporting process reies on the major accident definitions in the Seveso directives (EC 1997). A accidents in the database were incuded in this anaysis. The sampe of 63 accidents recorded in the EU MARS database were organised according to the day of the week they occurred on. 11

12 Tota No Breakdown of MHIDAS accident information by day of week Day of Week Mon Tues Wed Thurs Fri Sat Sun N/A 2 Figure 4. Breakdown of MHIDAS accident information by day of week (n = 86) Tota No Breakdown of EU MARS accident information by day of week Mon Tues Wed Thurs Fri Sat Sun N/A 1 Day of Week Figure 5. Breakdown of EU MARS accident information by day of week (n = 63) Tota No Breakdown of IChemE accident information by day of week Mon Tues Wed Thurs Fri Sat Sun N/A Day of Week Figure 6. Breakdown of IChemE accident information by day of week (n = 224) 12

13 Figure 5 shows the breakdown of the EU MARS accidents, by day of the week. The graph shows peaks on Monday and Thursday and a decrease in accidents reported as occurring at the weekend (Saturday and Sunday). IChemE Accident Database. This is an accident database used wordwide by chemica and process industries. The database was created and maintained by the Institution of Chemica Engineers and detais the cause and effect of accidents and incidents. The incusion criterion is broad, incuding any accident report in the process industry. The consequences of the accidents are many and varied and so it is uncear that a the accidents woud meet a definition of major (such as in the Seveso Directives). A accidents in the database were incuding in this anaysis. The sampe of 224 accidents recorded in the IChemE database were organised according to the day of the week they occurred on. Figure 6 shows the breakdown of the IChemE accidents, by day of the week, N/A was used where information was not avaiabe. The graph shows a mid-week peak and a decrease in accidents reported as occurring at the weekend (Saturday and Sunday). 13

Australian Bureau of Statistics Management of Business Providers

Australian Bureau of Statistics Management of Business Providers Purpose Austraian Bureau of Statistics Management of Business Providers 1 The principa objective of the Austraian Bureau of Statistics (ABS) in respect of business providers is to impose the owest oad

More information

AUSTRALIA S GAMBLING INDUSTRIES - INQUIRY

AUSTRALIA S GAMBLING INDUSTRIES - INQUIRY Mr Gary Banks Chairman Productivity Commission PO Box 80 BELCONNEN ACT 2616 Dear Mr Banks AUSTRALIA S GAMBLING INDUSTRIES - INQUIRY I refer to the Issues Paper issued September 1998 seeking submissions

More information

Early access to FAS payments for members in poor health

Early access to FAS payments for members in poor health Financia Assistance Scheme Eary access to FAS payments for members in poor heath Pension Protection Fund Protecting Peope s Futures The Financia Assistance Scheme is administered by the Pension Protection

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l Program Organization = Number "1060" = Type "123342" = "ETM2LAZCD" For = "502859" "TCCUS" "" Name "WK Number = Name "First "1001" = "1" Eectronic = "1001" = Financia "Jane Funds Doe" Northwest Xfer PG1

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

INDUSTRIAL PROCESSING SITES COMPLIANCE WITH THE NEW REGULATORY REFORM (FIRE SAFETY) ORDER 2005

INDUSTRIAL PROCESSING SITES COMPLIANCE WITH THE NEW REGULATORY REFORM (FIRE SAFETY) ORDER 2005 INDUSTRIAL PROCESSING SITES COMPLIANCE WITH THE NEW REGULATORY REFORM (FIRE SAFETY) ORDER 2005 Steven J Manchester BRE Fire and Security E-mai: manchesters@bre.co.uk The aim of this paper is to inform

More information

Fixed income managers: evolution or revolution

Fixed income managers: evolution or revolution Fixed income managers: evoution or revoution Traditiona approaches to managing fixed interest funds rey on benchmarks that may not represent optima risk and return outcomes. New techniques based on separate

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

Infrastructure for Business

Infrastructure for Business Infrastructure for Business The IoD Member Broadband Survey Infrastructure for Business 2013 #5 The IoD Member Broadband Survey The IoD Member Broadband Survey Written by: Corin Tayor, Senior Economic

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES About ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account. Some of

More information

Introduction the pressure for efficiency the Estates opportunity

Introduction the pressure for efficiency the Estates opportunity Heathy Savings? A study of the proportion of NHS Trusts with an in-house Buidings Repair and Maintenance workforce, and a discussion of eary experiences of Suppies efficiency initiatives Management Summary

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

DECEMBER 2008. Good practice contract management framework

DECEMBER 2008. Good practice contract management framework DECEMBER 2008 Good practice contract management framework The Nationa Audit Office scrutinises pubic spending on behaf of Pariament. The Comptroer and Auditor Genera, Tim Burr, is an Officer of the House

More information

CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS

CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS Dehi Business Review X Vo. 4, No. 2, Juy - December 2003 CONTRIBUTION OF INTERNAL AUDITING IN THE VALUE OF A NURSING UNIT WITHIN THREE YEARS John N.. Var arvatsouakis atsouakis DURING the present time,

More information

Business schools are the academic setting where. The current crisis has highlighted the need to redefine the role of senior managers in organizations.

Business schools are the academic setting where. The current crisis has highlighted the need to redefine the role of senior managers in organizations. c r o s os r oi a d s REDISCOVERING THE ROLE OF BUSINESS SCHOOLS The current crisis has highighted the need to redefine the roe of senior managers in organizations. JORDI CANALS Professor and Dean, IESE

More information

Teamwork. Abstract. 2.1 Overview

Teamwork. Abstract. 2.1 Overview 2 Teamwork Abstract This chapter presents one of the basic eements of software projects teamwork. It addresses how to buid teams in a way that promotes team members accountabiity and responsibiity, and

More information

Internal Control. Guidance for Directors on the Combined Code

Internal Control. Guidance for Directors on the Combined Code Interna Contro Guidance for Directors on the Combined Code ISBN 1 84152 010 1 Pubished by The Institute of Chartered Accountants in Engand & Waes Chartered Accountants Ha PO Box 433 Moorgate Pace London

More information

The guaranteed selection. For certainty in uncertain times

The guaranteed selection. For certainty in uncertain times The guaranteed seection For certainty in uncertain times Making the right investment choice If you can t afford to take a ot of risk with your money it can be hard to find the right investment, especiay

More information

Integrating Risk into your Plant Lifecycle A next generation software architecture for risk based

Integrating Risk into your Plant Lifecycle A next generation software architecture for risk based Integrating Risk into your Pant Lifecyce A next generation software architecture for risk based operations Dr Nic Cavanagh 1, Dr Jeremy Linn 2 and Coin Hickey 3 1 Head of Safeti Product Management, DNV

More information

professional indemnity insurance proposal form

professional indemnity insurance proposal form professiona indemnity insurance proposa form Important Facts Reating To This Proposa Form You shoud read the foowing advice before proceeding to compete this proposa form. Duty of Discosure Before you

More information

Practicing Reference... Learning from Library Science *

Practicing Reference... Learning from Library Science * Practicing Reference... Learning from Library Science * Mary Whisner ** Ms. Whisner describes the method and some of the resuts reported in a recenty pubished book about the reference interview written

More information

Health Economics Program

Health Economics Program Heath Economics Program Issue Brief 2001-02 Juy 2001 Mandated Heath Insurance Benefits and Heath Care Costs Mandated heath insurance benefits are often a matter of significant poicy debate. Proponents

More information

Older people s assets: using housing equity to pay for health and aged care

Older people s assets: using housing equity to pay for health and aged care Key words: aged care; retirement savings; reverse mortgage; financia innovation; financia panning Oder peope s assets: using housing equity to pay for heath and aged care The research agenda on the ageing

More information

APPENDIX 10.1: SUBSTANTIVE AUDIT PROGRAMME FOR PRODUCTION WAGES: TROSTON PLC

APPENDIX 10.1: SUBSTANTIVE AUDIT PROGRAMME FOR PRODUCTION WAGES: TROSTON PLC Appendix 10.1: substantive audit programme for production wages: Troston pc 389 APPENDIX 10.1: SUBSTANTIVE AUDIT PROGRAMME FOR PRODUCTION WAGES: TROSTON PLC The detaied audit programme production wages

More information

Let s get usable! Usability studies for indexes. Susan C. Olason. Study plan

Let s get usable! Usability studies for indexes. Susan C. Olason. Study plan Let s get usabe! Usabiity studies for indexes Susan C. Oason The artice discusses a series of usabiity studies on indexes from a systems engineering and human factors perspective. The purpose of these

More information

Recognition of Prior Learning

Recognition of Prior Learning Recognition of Prior Learning Information Guideines for Students EXTENDED CAMPUS This subject materia is issued by Cork Institute of Technoogy on the understanding that: Cork Institute of Technoogy expressy

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Determining the User Intent of Chinese-English Mixed Language Queries Based On Search Logs

Determining the User Intent of Chinese-English Mixed Language Queries Based On Search Logs Determining the User Intent of Chinese-Engish Mixed Language Queries Based On Search Logs Hengyi Fu, Forida State University, City University of New York Abstract With the increasing number of mutiingua

More information

HEALTH SERVICES AND DELIVERY RESEARCH

HEALTH SERVICES AND DELIVERY RESEARCH HEALTH SERVICES AND DELIVERY RESEARCH VOLUME 2 ISSUE 34 OCTOBER 2014 ISSN 2050-4349 Targeting the Use of Reminders and Notifications for Uptake by Popuations (TURNUP): a systematic review and evidence

More information

Advanced ColdFusion 4.0 Application Development - 3 - Server Clustering Using Bright Tiger

Advanced ColdFusion 4.0 Application Development - 3 - Server Clustering Using Bright Tiger Advanced CodFusion 4.0 Appication Deveopment - CH 3 - Server Custering Using Bri.. Page 1 of 7 [Figures are not incuded in this sampe chapter] Advanced CodFusion 4.0 Appication Deveopment - 3 - Server

More information

3.3 SOFTWARE RISK MANAGEMENT (SRM)

3.3 SOFTWARE RISK MANAGEMENT (SRM) 93 3.3 SOFTWARE RISK MANAGEMENT (SRM) Fig. 3.2 SRM is a process buit in five steps. The steps are: Identify Anayse Pan Track Resove The process is continuous in nature and handed dynamicay throughout ifecyce

More information

Irish Life Tables No. 14

Irish Life Tables No. 14 3 June 004 Life epectancy at birth Irish Life Tabes No. 14 001-003 Life epectancy 85 80 75 70 65 60 55 Maes Femaes Life epectancy at birth Area Maes Femaes Ireand 75.1 80.3 EU 15 75.8 81.6 EU 5 74.8 81.1

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

WHITE PAPER BEsT PRAcTIcEs: PusHIng ExcEl BEyond ITs limits WITH InfoRmATIon optimization

WHITE PAPER BEsT PRAcTIcEs: PusHIng ExcEl BEyond ITs limits WITH InfoRmATIon optimization Best Practices: Pushing Exce Beyond Its Limits with Information Optimization WHITE Best Practices: Pushing Exce Beyond Its Limits with Information Optimization Executive Overview Microsoft Exce is the

More information

Distribution of Income Sources of Recent Retirees: Findings From the New Beneficiary Survey

Distribution of Income Sources of Recent Retirees: Findings From the New Beneficiary Survey Distribution of Income Sources of Recent Retirees: Findings From the New Beneficiary Survey by Linda Drazga Maxfied and Virginia P. Rena* Using data from the New Beneficiary Survey, this artice examines

More information

Learning from evaluations Processes and instruments used by GIZ as a learning organisation and their contribution to interorganisational learning

Learning from evaluations Processes and instruments used by GIZ as a learning organisation and their contribution to interorganisational learning Monitoring and Evauation Unit Learning from evauations Processes and instruments used by GIZ as a earning organisation and their contribution to interorganisationa earning Contents 1.3Learning from evauations

More information

1##111##1111#1#111i#lllil

1##111##1111#1#111i#lllil 1##111##1111#1#111i#i 140334197x SWP 6/90 GROWTH AND PERFORMANCE CONTRASTS BETWEEN TYPES OF SMALL FIRMS PROFESSOR SUE BIRLEY & DR PAUL WESTHEAD Cranfieid Entrepreneurship Research Centre Cranfied Schoo

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Key Features and Terms & Conditions of the Stocks & Shares Junior ISA

Key Features and Terms & Conditions of the Stocks & Shares Junior ISA June 2013 Key Features and Terms & Conditions of the This document shoud be read in conjunction with an up-to-date Key Investor Information Document (KIID) for the fund in which you want to invest. You

More information

Managing Business Risks from Major Chemical

Managing Business Risks from Major Chemical Managing Business Risks from Major Chemica Process Accidents Mariana Bardy 1, Dr Luiz Fernando Oiveira 2, and Dr Nic Cavanagh 3 1 Head of Section, Risk Management Soutions Savador, DNV Energy Soutions

More information

TERM INSURANCE CALCULATION ILLUSTRATED. This is the U.S. Social Security Life Table, based on year 2007.

TERM INSURANCE CALCULATION ILLUSTRATED. This is the U.S. Social Security Life Table, based on year 2007. This is the U.S. Socia Security Life Tabe, based on year 2007. This is avaiabe at http://www.ssa.gov/oact/stats/tabe4c6.htm. The ife eperiences of maes and femaes are different, and we usuay do separate

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

ICAP CREDIT RISK SERVICES. Your Business Partner

ICAP CREDIT RISK SERVICES. Your Business Partner ICAP CREDIT RISK SERVICES Your Business Partner ABOUT ICAP GROUP ICAP Group with 56 miion revenues for 2008 and 1,000 empoyees- is the argest Business Services Group in Greece. In addition to its Greek

More information

A Guide to Understanding the Implications of the Ionising Radiation (Medical Exposure) Regulations in Radiotherapy

A Guide to Understanding the Implications of the Ionising Radiation (Medical Exposure) Regulations in Radiotherapy IPEM A Guide to Understanding the Impications of the Ionising Radiation (Medica Exposure) Reguations in Radiotherapy The Society and Coege of Radiographers The Roya Coege of Radioogists Institute of Physics

More information

l l ll l l Exploding the Myths about DETC Accreditation A Primer for Students

l l ll l l Exploding the Myths about DETC Accreditation A Primer for Students Expoding the Myths about DETC Accreditation A Primer for Students Distance Education and Training Counci Expoding the Myths about DETC Accreditation: A Primer for Students Prospective distance education

More information

Bite-Size Steps to ITIL Success

Bite-Size Steps to ITIL Success 7 Bite-Size Steps to ITIL Success Pus making a Business Case for ITIL! Do you want to impement ITIL but don t know where to start? 7 Bite-Size Steps to ITIL Success can hep you to decide whether ITIL can

More information

READING A CREDIT REPORT

READING A CREDIT REPORT Name Date CHAPTER 6 STUDENT ACTIVITY SHEET READING A CREDIT REPORT Review the sampe credit report. Then search for a sampe credit report onine, print it off, and answer the questions beow. This activity

More information

Pay-on-delivery investing

Pay-on-delivery investing Pay-on-deivery investing EVOLVE INVESTment range 1 EVOLVE INVESTMENT RANGE EVOLVE INVESTMENT RANGE 2 Picture a word where you ony pay a company once they have deivered Imagine striking oi first, before

More information

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services 2012 Before You Buy A Description of the Caifornia Partnership for Long-Term Care Prepared by the Caifornia Department of Heath Care Services Page 1 of 13 Ony ong-term care insurance poicies bearing any

More information

Degree Programs in Environmental Science/Studies

Degree Programs in Environmental Science/Studies State University Memorandum of New York to Presidents Date: June 30, 2000 Vo. 00 No. I From: Office of the Provost and Vice Chanceor for Academic Affairs SLbject: Guideines for the Consideration o New

More information

Nordic Ecolabelling of Copy and printing paper - supplementary module

Nordic Ecolabelling of Copy and printing paper - supplementary module rdic Ecoabeing of Copy and printing paper - suppementary modue Version 4.1 22 June 2011 30 June 2016 rdic Ecoabeing Content What is rdic Ecoabeed copy and printing paper? 3 Why choose the rdic Ecoabe?

More information

APIS Software Training /Consulting

APIS Software Training /Consulting APIS Software Training /Consuting IQ-Software Services APIS Informationstechnoogien GmbH The information contained in this document is subject to change without prior notice. It does not represent any

More information

Corporate Governance f o r M a i n M a r k e t a n d a i M C o M p a n i e s

Corporate Governance f o r M a i n M a r k e t a n d a i M C o M p a n i e s Corporate Governance f o r M a i n M a r k e t a n d a i M C o M p a n i e s 23. Corporate governance towards best-practice corporate reporting John Patterson, PricewaterhouseCoopers LLP Reporting is

More information

Management Accounting

Management Accounting Management Accounting Course Text Professiona, Practica, Proven www.accountingtechniciansireand.ie Tabe of Contents FOREWORD...v SYLLABUS: MANAGEMENT ACCOUNTING...vii PART 1 INTRODUCTION Chapter 1: Introduction

More information

Chapter 3: e-business Integration Patterns

Chapter 3: e-business Integration Patterns Chapter 3: e-business Integration Patterns Page 1 of 9 Chapter 3: e-business Integration Patterns "Consistency is the ast refuge of the unimaginative." Oscar Wide In This Chapter What Are Integration Patterns?

More information

Digital Competences in the Digital Agenda

Digital Competences in the Digital Agenda C H A P T E R 4 Digita Competences in the Digita Agenda In 2011, 73% of EU 27 househods had access to the internet, a 3 percentage point. increase over 2010. A ack of skis is the second most important

More information

ASSET MANAGEMENT OUR APPROACH

ASSET MANAGEMENT OUR APPROACH ASSET MANAGEMENT OUR APPROACH CONTENTS FOREWORD 3 INTRODUCTION 4 ASSET MANAGEMENT? 6 THE NEED FOR CHANGE 6 KEY PRINCIPLES 7 APPENDIX 1 19 GLOSSARY 20 2 FOREWORD Few things affect our customers ives as

More information

Tackling external fraud

Tackling external fraud Good practice in tacking externa fraud Xxxxxxxxxxx GOOD PRACTICE GUIDE Tacking externa fraud Good practice in tacking externa fraud Xxxxxxxxxxx The Nationa Audit Office scrutinises pubic spending on behaf

More information

Measuring operational risk in financial institutions

Measuring operational risk in financial institutions Measuring operationa risk in financia institutions Operationa risk is now seen as a major risk for financia institutions. This paper considers the various methods avaiabe to measure operationa risk, and

More information

Key Features of Life Insurance

Key Features of Life Insurance Key Features of Life Insurance Life Insurance Key Features The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide

More information

COASTLINE GROUP HUMAN RESOURCES STRATEGY 2015 2017. Great homes, great services, great people.

COASTLINE GROUP HUMAN RESOURCES STRATEGY 2015 2017. Great homes, great services, great people. COASTLINE GROUP HUMAN RESOURCES STRATEGY 2015 2017 Great homes, great services, great peope. Contents Foreword 2 Executive summary 1. Achievements 5 2. Context 7 3. Our peope 9.Objectives 11 5. What we

More information

AA Fixed Rate ISA Savings

AA Fixed Rate ISA Savings AA Fixed Rate ISA Savings For the road ahead The Financia Services Authority is the independent financia services reguator. It requires us to give you this important information to hep you to decide whether

More information

Vital Steps. A cooperative feasibility study guide. U.S. Department of Agriculture Rural Business-Cooperative Service Service Report 58

Vital Steps. A cooperative feasibility study guide. U.S. Department of Agriculture Rural Business-Cooperative Service Service Report 58 Vita Steps A cooperative feasibiity study guide U.S. Department of Agricuture Rura Business-Cooperative Service Service Report 58 Abstract This guide provides rura residents with information about cooperative

More information

A short guide to making a medical negligence claim

A short guide to making a medical negligence claim A short guide to making a medica negigence caim Introduction Suffering from an incident of medica negigence is traumatic and can have a serious ong-term impact on both the physica and menta heath of affected

More information

Corporate Governance f o r M a i n M a r k e t a n d a i M C o M p a n i e s

Corporate Governance f o r M a i n M a r k e t a n d a i M C o M p a n i e s Corporate Governance f o r M a i n M a r k e t a n d a i M C o M p a n i e s Shepherd and Wedderburn is one of the UK s eading aw firms. We have an uncompromising commitment to our cients, with quaity

More information

Commissioning for long-term conditions: hearing the voice of and engaging users a qualitative multiple case study

Commissioning for long-term conditions: hearing the voice of and engaging users a qualitative multiple case study Commissioning for ong-term conditions: hearing the voice of and engaging users a quaitative mutipe case study Stephen Peckham, 1,2 * Patricia Wison, 3 Lorraine Wiiams, 2 Jane Smiddy, 3 Say Kenda, 3 Fiona

More information

Order-to-Cash Processes

Order-to-Cash Processes TMI170 ING info pat 2:Info pat.qxt 01/12/2008 09:25 Page 1 Section Two: Order-to-Cash Processes Gregory Cronie, Head Saes, Payments and Cash Management, ING O rder-to-cash and purchase-topay processes

More information

RESEARCH GRANTS: guidelines for applicants

RESEARCH GRANTS: guidelines for applicants RESEARCH GRANTS: guideines for appicants The Dunhi Medica Trust These guideines appy ony to appications for Research Project and Research Programme grants. Separate guideines are avaiabe for: Research-reated

More information

VALUE TRANSFER OF PENSION RIGHTS IN THE NETHERLANDS. June 2004 - publication no. 8A/04

VALUE TRANSFER OF PENSION RIGHTS IN THE NETHERLANDS. June 2004 - publication no. 8A/04 STICHTING VAN DE ARBEID REVISION VALUE TRANSFER OF PENSION RIGHTS IN THE NETHERLANDS June 2004 - pubication no. 8A/04 Vaue transfer of pension rights in the Netherands 1. Introduction The opportunity to

More information

NatWest Global Employee Banking Eastwood House Glebe Road Chelmsford Essex England CM1 1RS Depot Code 028

NatWest Global Employee Banking Eastwood House Glebe Road Chelmsford Essex England CM1 1RS Depot Code 028 To appy for this account, the printed appication must be competed and returned together with any necessary supporting documentation to the foowing address: NatWest Goba Empoyee Banking Eastwood House Gebe

More information

Subject: Corns of En gineers and Bureau of Reclamation: Information on Potential Budgetarv Reductions for Fiscal Year 1998

Subject: Corns of En gineers and Bureau of Reclamation: Information on Potential Budgetarv Reductions for Fiscal Year 1998 GAO United States Genera Accounting Office Washington, D.C. 20548 Resources, Community, and Economic Deveopment Division B-276660 Apri 25, 1997 The Honorabe Pete V. Domenici Chairman The Honorabe Harry

More information

Online Media Information

Online Media Information Onine Media Information www.sciencedirect.com The vita daiy source for 16 miion researchers and scientists around the gobe 70 miion pageviews each month Broad advertising product portfoio SciVerse ScienceDirect:

More information

On-Line Banking Application

On-Line Banking Application OnLine Banking Appication 1st Name: SSN/Tax ID #: Work Phone: City born in: Fax: Mother's Maiden Name: Emai Address: 2nd Name: SSN/ax ID#: Work Phone: City born in: Fax: Mother's Maiden Name: Emai Address:

More information

Certificate in Contemporary Music 2016 For International Applicants

Certificate in Contemporary Music 2016 For International Applicants Certificate in Contemporary Music 2016 For Internationa Appicants Quaification Certificate in Contemporary Music Performance Programme eve: Leve 4 Length: Start dates: Study options: One year 15 February

More information

NCH Software MoneyLine

NCH Software MoneyLine NCH Software MoneyLine This user guide has been created for use with MoneyLine Version 2.xx NCH Software Technica Support If you have difficuties using MoneyLine pease read the appicabe topic before requesting

More information

Older people with type 2 diabetes

Older people with type 2 diabetes Institute of Diabetes for Oder Peope Oder peope with type 2 diabetes European chaenges and the need for improved care Foreword The incidence of type 2 diabetes meitus in Europe is now at epidemic eves.

More information

Estimation of Liabilities Due to Inactive Hazardous Waste Sites. by Raja Bhagavatula, Brian Brown, and Kevin Murphy

Estimation of Liabilities Due to Inactive Hazardous Waste Sites. by Raja Bhagavatula, Brian Brown, and Kevin Murphy Estimation of Liabiities Due to Inactive Hazardous Waste Sites by Raja Bhagavatua, Brian Brown, and Kevin Murphy ESTIMATION OF LIABILITIES DUE TO INACTIVE HAZARDOUS WASTE SITJZS Abstract: The potentia

More information

Income Protection Options

Income Protection Options Income Protection Options Poicy Conditions Introduction These poicy conditions are written confirmation of your contract with Aviva Life & Pensions UK Limited. It is important that you read them carefuy

More information

The Advantages and Disadvantages of Different Social Welfare Strategies

The Advantages and Disadvantages of Different Social Welfare Strategies The Advantages and Disadvantages of Different Socia Wefare Strategies by Lawrence H. Thompson* The foowing was deivered by the author to the High Leve American Meeting of Experts on The Chaenges of Socia

More information

Qualifications, professional development and probation

Qualifications, professional development and probation UCU Continuing Professiona Deveopment Quaifications, professiona deveopment and probation Initia training and further education teaching quaifications Since September 2007 a newy appointed FE ecturers,

More information

Financial Accounting

Financial Accounting Financia Accounting Course Text Professiona, Practica, Proven www.accountingtechniciansireand.ie Tabe of Contents FOREWORD...xi SYLLABUS: FINANCIAL ACCOUNTING...xiii CHAPTER 1: INTRODUCTION TO ACCOUNTING...1

More information

Advertising opportunities with the Irish National Teachers Organisation (INTO)

Advertising opportunities with the Irish National Teachers Organisation (INTO) Advertising opportunities with the Irish Nationa Teachers Organisation (INTO) 1. InTouch Magazine 2. Website 3. E Newsetter 4. INTO Members Diary: Advertising and sponsorship opportunities 5. Tips for

More information

Education sector: Working conditions and job quality

Education sector: Working conditions and job quality European Foundation for the Improvement of Living and Working Conditions sector: Working conditions and job quaity Work pays a significant roe in peope s ives, in the functioning of companies and in society

More information

PREFACE. Comptroller General of the United States. Page i

PREFACE. Comptroller General of the United States. Page i - I PREFACE T he (+nera Accounting Office (GAO) has ong beieved that the federa government urgenty needs to improve the financia information on which it bases many important decisions. To run our compex

More information

LADDER SAFETY Table of Contents

LADDER SAFETY Table of Contents Tabe of Contents SECTION 1. TRAINING PROGRAM INTRODUCTION..................3 Training Objectives...........................................3 Rationae for Training.........................................3

More information

CODE OF PRACTICE for the PHARMACEUTICAL INDUSTRY 2015

CODE OF PRACTICE for the PHARMACEUTICAL INDUSTRY 2015 CODE OF PRACTICE for the PHARMACEUTICAL INDUSTRY 2015 CODE OF PRACTICE for the PHARMACEUTICAL INDUSTRY 2015 together with the PRESCRIPTION MEDICINES CODE OF PRACTICE AUTHORITY Constitution and Procedure

More information

GRADUATE RECORD EXAMINATIONS PROGRAM

GRADUATE RECORD EXAMINATIONS PROGRAM VALIDITY and the GRADUATE RECORD EXAMINATIONS PROGRAM BY WARREN W. WILLINGHAM EDUCATIONAL TESTING SERVICE, PRINCETON, NEW JERSEY Vaidity and the Graduate Record Examinations Program Vaidity and the Graduate

More information

Sales and Use Tax Implications of Loyalty Programs

Sales and Use Tax Implications of Loyalty Programs EDITED BY WALTER HELLERSTEIN, J.D. STATE & LOCAL Saes and Use Tax Impications of Loyaty Programs MARY T. BENTON, MATTHEW P. HEDSTROM, AND GREGG D. BARTON Examining a oyaty program reward s form, structure,

More information

Medical Waste Management Practices in Thailand

Medical Waste Management Practices in Thailand Life Science ourna, 3 (2),2006, Panyzping, et a, Medica Waste Management Practices in Thaiand f.,, Medica Waste Management Practices in Thaiand / Kinpratoom Panyaping, Benedict Okwumabua2. Department of

More information

Art of Java Web Development By Neal Ford 624 pages US$44.95 Manning Publications, 2004 ISBN: 1-932394-06-0

Art of Java Web Development By Neal Ford 624 pages US$44.95 Manning Publications, 2004 ISBN: 1-932394-06-0 IEEE DISTRIBUTED SYSTEMS ONLINE 1541-4922 2005 Pubished by the IEEE Computer Society Vo. 6, No. 5; May 2005 Editor: Marcin Paprzycki, http://www.cs.okstate.edu/%7emarcin/ Book Reviews: Java Toos and Frameworks

More information

Oligopoly in Insurance Markets

Oligopoly in Insurance Markets Oigopoy in Insurance Markets June 3, 2008 Abstract We consider an oigopoistic insurance market with individuas who differ in their degrees of accident probabiities. Insurers compete in coverage and premium.

More information

Oracle. L. Ladoga Rybinsk Res. Volga. Finland. Volga. Dnieper. Dnestr. Danube. Lesbos. Auditing Oracle Applications Peloponnesus

Oracle. L. Ladoga Rybinsk Res. Volga. Finland. Volga. Dnieper. Dnestr. Danube. Lesbos. Auditing Oracle Applications Peloponnesus N o r w e g i a n S e a White 60ûN ATLANTIC OCEAN UNITED KINGDOM Rio Douro Hebrid Bay of Biscay Garonne Faroe Isands Shetand Isands Orkney Isands North Loire ine Rhone Rhine Po Ebe Adriatic Batic Guf of

More information

AN APPROACH TO THE STANDARDISATION OF ACCIDENT AND INJURY REGISTRATION SYSTEMS (STAIRS) IN EUROPE

AN APPROACH TO THE STANDARDISATION OF ACCIDENT AND INJURY REGISTRATION SYSTEMS (STAIRS) IN EUROPE AN APPROACH TO THE STANDARDSATON OF ACCDENT AND NJURY REGSTRATON SYSTEMS (STARS) N EUROPE R. Ross P. Thomas Vehice Safety Research Centre Loughborough University B. Sexton Transport Research Laboratory

More information

HYBRID FUZZY LOGIC PID CONTROLLER. Abstract

HYBRID FUZZY LOGIC PID CONTROLLER. Abstract HYBRID FUZZY LOGIC PID CONTROLLER Thomas Brehm and Kudip S. Rattan Department of Eectrica Engineering Wright State University Dayton, OH 45435 Abstract This paper investigates two fuzzy ogic PID controers

More information

Uncovered Report: Cash Plan and Private Health Insurance Explained

Uncovered Report: Cash Plan and Private Health Insurance Explained Uncovered Report: Cash Pan and Private Heath Insurance Expained Contents 3 Introduction 4 Cash pan products 6 Private heath insurance products 9 How the two pans match up? 10 Concusion 33256_ONEGI_GEN3480_BRO.indd

More information

DRIVING UNDER THE INFLUENCE ACT

DRIVING UNDER THE INFLUENCE ACT Driving Under the Infuence Act 13 MIRC Ch.3 TITLE 13 MOTOR VEHICLES CHAPTER 3 - DRIVING UNDER THE INFLUENCE s Repubic of the Marsha Isands Jepipiin Ke Ejukaan DRIVING UNDER THE INFLUENCE ACT Arrangement

More information

UCU Continuing Professional Development

UCU Continuing Professional Development UCU Continuing Professiona Deveopment Cassroom management The background Good cassroom and behaviour management is one of the key eements of successfu teaching and earning, and wi be crucia to your success

More information

A Supplier Evaluation System for Automotive Industry According To Iso/Ts 16949 Requirements

A Supplier Evaluation System for Automotive Industry According To Iso/Ts 16949 Requirements A Suppier Evauation System for Automotive Industry According To Iso/Ts 16949 Requirements DILEK PINAR ÖZTOP 1, ASLI AKSOY 2,*, NURSEL ÖZTÜRK 2 1 HONDA TR Purchasing Department, 41480, Çayırova - Gebze,

More information