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A cross is a geometrical figure consisting of two intersecting lines or bars, usually perpendicular to each other. The lines usually run vertically and horizontally. A cross of oblique lines, in the shape of the Latin letter X, is termed a saltire in heraldic terminology.

The cross has been widely recognized as a symbol of Christianity from an early period in that religion's history.[1][2][3] Before then, it was used as a religious or cultural symbol throughout Europe, in western and south Asia (the latter, in the form of the original Swastika); and in Egypt, where the Ankh was a hieroglyph that represented "life" and was used in the worship of the god Aten. The effigy of a man hanging on a cross was set up in the fields to protect the crops.[citation needed] It often appeared in conjunction with the female-genital circle or oval, to signify the sacred marriage, as in Egyptian amulet Nefer[4] with male cross and female orb, considered as an amulet of blessedness, a charm of sexual harmony.[5]

Latin crux referred to the gibbet where criminals were executed, a stake or pole, with or without transom, on which the condemned were impaled or hanged, but more particularly a cross or the pole of a carriage.[6] The derived verb crucire means "to put to death on the cross" or, more frequently, "to put to the rack, to torture, torment", especially in reference to mental troubles.[7] In the Roman world, furca replaced crux as the name of some cross-like instruments for lethal and temporary punishment,[8][9] ranging from a forked cross to a gibbet or gallows.[10]

The Greek equivalent of Latin crux "stake, gibbet" is stauros, found in texts of four centuries or more before the gospels and always in the plural number to indicate a stake or pole. From the first century BC, it is used to indicate an instrument used in executions. The Greek word is used in descriptions in antiquity of the execution cross, which indicate that its normal shape was similar to the Greek letter tau ().[12][13][14][15]

Due to the simplicity of the design (two intersecting lines), cross-shaped incisions make their appearance from deep prehistory; as petroglyphs in European cult caves, dating back to the beginning of the Upper Paleolithic, and throughout prehistory to the Iron Age.[16]Also of prehistoric age are numerous variants of the simple cross mark, including the crux gammata with curving or angular lines, and the Egyptian crux ansata with a loop.

The cross sign occurs trivially in tally marks, and develops into a number symbol independently in the Roman numerals (X "ten"), the Chinese rod numerals ( "ten") and the Brahmi numerals ("four", whence the numeral 4).

In the Phoenician alphabet and derived scripts, the cross symbol represented the phoneme /t/, i.e. the letter taw, which is the historical predecessor of Latin T. The letter name taw means "mark", presumably continuing the Egyptian hieroglyph "two crossed sticks" (Gardiner Z9).[22]

The shape of the cross (crux, stauros "stake, gibbet"), as represented by the letter T, came to be used as a new symbol (seal) of the Early Christianity since the 2nd century.[23] Clement of Alexandria in the early 3rd century calls it    ("the Lord's sign") he repeats the idea, current as early as the Epistle of Barnabas, that the number 318 (in Greek numerals, ) in Genesis 14:14 was a foreshadowing (a "type") of the cross (the letter Tau) and of Jesus (the letters Iota Eta).[24] Clement's contemporary Tertullian rejects the accusation that Christians are crucis religiosi (i.e. "adorers of the gibbet"), and returns the accusation by likening the worship of pagan idols to the worship of poles or stakes.[25]In his book De Corona, written in 204, Tertullian tells how it was already a tradition for Christians to trace repeatedly on their foreheads the sign of the cross.[26]

While early Christians used the T-shape to represent the cross in writing and gesture, the use of the Greek cross and Latin cross, i.e. crosses with intersecting beams, appears in Christian art towards the end of Late Antiquity. An early example of the cruciform halo, used to identify Christ in paintings, is found in the Miracles of the Loaves and Fishes mosaic of Sant'Apollinare Nuovo, Ravenna (6th century). The Patriarchal cross, a Latin cross with an additional horizontal bar, first appears in the 10th century. A wide variation of cross symbols is introduced for the purposes of heraldry beginning in the age of the Crusades.[27]

Phoenician tw is still cross-shaped in Paleo-Hebrew alphabet and in some Old Italic scripts (Raetic and Lepontic), and its descendant T becomes again cross-shaped in the Latin minuscule t. The plus sign (+) is derived from Latin t via a simplification of a ligature for et "and" (introduced by Johannes Widmann in the late 15th century).

The multiplication sign (), often attributed to William Oughtred (who first used it in an appendix to the 1618 edition of John Napier's Descriptio) apparently had been in occasional use since the mid 16th century.[29]

The following is a list of cross symbols, except for variants of the Christian cross and Heraldic crosses, for which see the dedicated lists at Christian cross variants and Crosses in heraldry, respectively.

The swastika or crux gammata (in heraldry fylfot), historically used as a symbol in Buddhism, Jainism and Hinduism, and widely popular in the early 20th century as a symbol of good luck or prosperity before adopted as a symbol of Nazism in the 1920s and 30s.

Cross shapes are made by a variety of physical gestures. Crossing the fingers of one hand is a common invocation of the symbol. The sign of the cross associated with Christian genuflection is made with one hand: in Eastern Orthodox tradition the sequence is head-heart-right shoulder-left shoulder, while in Oriental Orthodox, Catholic and Anglican tradition the sequence is head-heart-left-right.

Crossing the index fingers of both hands represents and a charm against evil in European folklore. Other gestures involving more than one hand include the "cross my heart" movement associated with making a promise and the Tau shape of the referee's "time out" hand signal.

This report provides a roadmap to enhance cross-border payments. The G20 has made enhancing cross-border payments a priority during the Saudi Arabian Presidency. Faster, cheaper, more transparent and more inclusive cross-border payment services, including remittances, while maintaining their safety and security, would have widespread benefits for citizens and economies worldwide, supporting economic growth, international trade, global development and financial inclusion.

This report presents a roadmap to address the key challenges often faced by cross-border payments and the frictions in existing processes that contribute to these challenges. These challenges, namely high costs, low speed, limited access and insufficient transparency, affect end-users and service providers, though not all in the same way. Individuals and small companies face particular challenges with retail cross-border payments, and financial inclusion remains a challenge for many, especially in emerging market and developing economies. Low-value payments may incur high fees as a percentage of the amount sent and face cumbersome processes. The unbanked and individuals and firms from fragile states are amongst those who may not be able to access payment services at all.

The roadmap provides a high-level plan, which sets ambitious but achievable goals and milestones, and is designed to allow for flexibility and adaptation in the path to get there as the work progresses, while ensuring that the safeguards in terms of secure processing and legal compliance are observed. It encompasses a variety of approaches and time horizons, in order to achieve practical improvements in the shorter term while acknowledging that other initiatives will need to be implemented over longer time periods. It follows the structure of the Stage 2 report, setting out actions and indicative timelines in the following five focus areas:

The first four focus areas seek to enhance the existing payments ecosystem. The fifth is more exploratory and covers emerging payment infrastructures and arrangements. While each of the building blocks in the first four focus areas individually has the ability to bring notable benefits to cross-border payments, they have many interdependencies and the most significant enhancements are likely to be achieved if they are all implemented in a coordinated manner. The potential for new payment infrastructures and arrangements will also depend on the first four focus areas delivering change.

Strong commitment, coordination and accountability will be critical to success. The roadmap incorporates a framework where individual actions are taken forward by the most suitable expert bodies, in accordance with their mandates, with the FSB providing coordination and reporting annually on progress to the G20 and the public. This process will provide an opportunity to update and adapt the roadmap over time in order to keep it on track to meet its overall goals.

The involvement of the private sector, sharing their insights and practical expertise, as well as delivering change, will be key to support the practical implementation of the roadmap. The work under each building block will consider how to most effectively involve them. Public consultation on the individual building blocks will take place at the appropriate points, in order to ensure transparency and accountability. 152ee80cbc

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