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Introduction to Risk Management and Insurance (9th Edition)
This book focuses on problem-solving from managerial, consumer, and societal perspectives. It emphasizes both the business managerial aspects of risk management and insurance and the numerous consumer applications of the concept of risk management and insurance transaction.81% (13)
Specific chapter topics include insurance Regulation and contracts, basic property and liability insurance contracts, homeowners insurance, the personal auto policy, professional financial planning, life insurance policies, annuities, medical expense and disability insurance, standard life insurance contract provisions and options, commercial property insurance, general and special liability insurance, employee benefits, social security, and unemployment and workers' compensation insurance.
For use by individuals in insurance occupations, and by those preparing for the certified financial planner board.
Guardian Life Insurance Company of America Annex
East 17th Street, Manhattan, New York City The Guardian Life Insurance Company Annex is a rare example of a low-rise office building in Manhattan shaped by the aesthetics of 20th Century European Modernism, frequently called the International Style. Four stories tall, it was designed in the New York City office of the architects Skidmore, Owings & Merrill and features a crisp curtain wall of anodized aluminum spandrel panels and tinted glass. Work on the project began in 1959 and construction was completed in 1963. Though Guardian Life contemplated moving during the 1950s, objections from community groups in Westchester County and staff persuaded the company to remain in Manhattan and erect an annex of substantial dimensions directly east of the company’s 1911 neoclassical- style headquarters. A large through-block site was quietly assembled, bounded by East 17th Street and East 18th Street, one that would spread operations across a minimum number of floors. SOM partners, Robert W. Cutler and Roy O. Allen, supervised the project, while an associate partner, Roger Radford, is credited with producing the building’s understated and yet elegant design. Aluminum was frequently used by SOM designers in the late 1950s and 1960s to create stylish exterior wall systems. This approach loosely reflects the rational building techniques promoted by the German-American architect Ludwig Mies van der Rohe, who sought to reduce building elevations to non-load-bearing skins of standardized metal and glass components. A certain model for the Guardian Life Annex was the recently-completed Pepsi-Cola Building. Not only did both SOM commissions display remarkably similar curtain walls but several members of the firm, architects Robert Cutler, Herman E. Borst, and Albert Kennerly, were involved in both projects. When the building was completed in 1963, much of Guardian Life’s staff moved into the Annex and the tower was renovated for use by outside tenants. Guardian Life moved to Hanover Square, near Water Street, in lower Manhattan in 1999 and these structures were sold to the Related Companies, a real estate developer. Despite modifications to the main entrance facing East 17th Street, both facades are well preserved and reflect the architect’s original design. The former Guardian Life Insurance Company Annex, located mid-block between Park Avenue South and Irving Place, has two four-story street facades. The East 17th Street facade, between the former Guardian Life Insurance Company tower and a four-story residential building, contains nineteen bays. The East 18th Street facade, between 215 Park Avenue South and a brownstone-faced row house, contains twelve bays. Both facades are clad with aluminum spandrel panels, slender projecting aluminum mullions, and large, almost square, plate glass windows. The west end of the East 17th Street (south) facade is recessed and incorporates a single bay of windows above a pair of non-historic, roll-down gates that serve the loading dock. There is a narrow recessed vertical slot between this bay and the main structure. The west wall of the main structure (within the recess) is faced with aluminum panels. They are aligned with the panels that run horizontally across the entire facade. A small, non-historic red sign is attached near the base. To the east, at ground level, are twin pairs of glass doors, sheltered by a projecting flat aluminum marquee, as well as, immediately left, a non-historic vertical sign for Zurich € The base is recessed and clad with black granite. Since the street slopes slightly, the height of the base rises from west to east. The facade is also recessed at the east end of the building, where it meets the adjoining row house. In the recess, the west wall has a chipped granite base and is painted black. This wall incorporates an emergency exit and no visible hardware. The first floor of the brick north wall is painted gray. The East 18th Street (north) facade is almost identical to the East 17th Street facade. It is four stories tall and has a recessed black granite base that runs the full length of the facade. Both ends of the facade are similarly recessed and clad with painted black brick. At the west end, the wide recess incorporates three doors that are painted black. Each door has a non-historic red sign. An aluminum pipe fence is visible on the roof. The granite base has seams that are aligned with every second vertical mullion or I-beam. A double standpipe is visible close to the west end. At the east end of the East 18th Street facade, the recess incorporates a non-historic security camera above the emergency exit. This door has no visible hardware. Within the recess, the west surface is faced with aluminum panels. The seams between the panels are aligned with the top and bottom of each window along the main facade. The circular tree pits and black metal grates, in the adjoining sidewalk, are original. On the basis of a ca"An optimist is someone who sees a green light everywhere. The pessimist sees only the red light. But the truly wise person keeps their options open" ~ Happy Frisky Friday!!!
These signs are all over Orlando, Florida. It just went up from the previous fine of $186.00. Red-light Cameras Increase Crashes, Florida Researchers Find ScienceDaily (Mar. 12, 2008) — Rather than improving motorist safety, red-light cameras significantly increase crashes and are a ticket to higher auto insurance premiums, researchers at the University of South Florida College of Public Health conclude. The effective remedy to red-light running uses engineering solutions to improve intersection safety, which is particularly important to Florida’s elderly drivers, the researchers recommend. “The rigorous studies clearly show red-light cameras don’t work,” said lead author Barbara Langland-Orban, professor and chair of health policy and management at the USF College of Public Health. “Instead, they increase crashes and injuries as drivers attempt to abruptly stop at camera intersections. If used in Florida, cameras could potentially create even worse outcomes due to the state’s high percent of elderly who are more likely to be injured or killed when a crash occurs.”
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