السبت، 5 نوفمبر 2011

Insurance

In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured, or policyholder, is the person or entity buying the insurance policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.
The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated

Principles


Insurance involves pooling funds from many insured entities (known as exposures) to pay for the losses that some may incur. The insured entities are therefore protected from risk for a fee, with the fee being dependent upon the frequency and severity of the event occurring. In order to be insurable, the risk insured against must meet certain characteristics in order to be an insurable risk. Insurance is a commercial enterprise and a major part of the financial services industry, but individual entities can also self-insure through saving money for possible future losses.[1]

The Hardware Information Navigational Tool




The Hardware Information Navigational Tool, or HINT, is an information web service developed by the former AG Communications Systems (now Alcatel-Lucent) which displays hardware and software characteristics of a central office switching system. It displays the hardware equipment as it is positioned in the central office and shows how this equipment is being used. The program displays an interactive map, allowing the user to select the applicable states/provinces or country, then select the switching system, and then finally the module, circuit pack, and circuit. The statistical reports allow customers to maintain a watch on their resources. It is also useful for engineering and the daunting task of assigning all of the various telephony services.
All telephone exchanges are customized to local conditions. Because of this, there exists a dynamic difference between one central office to another due to capacity, provided features, and hardware vintages. HINT started out as an internal resource used by GTD-5 EAX Engineering Services, Remote Technical Assistance, and Sales Support. It was created with the intent to accurately view a customer’s unique hardware configuration without physically being present at the site. Deciphering the switch’s own Office Dependent Data (ODD), it provided switching system hardware images that were accurate and up-to-date. Through internal feedback and subsequent modifications, it evolved into a tool that was viable enough to be offered as a product and sought after by customers.
Due to the similarities between the GTD-5 EAX and the 5ESS product lines, numerous requests were made by HINT users to develop and expand the scope of HINT so that it includes the 5ESS switching system. After hearing the same request for several years and realizing the revenue potential of adding the 5ESS, AG expanded HINT to include the 5ESS switch type, providing the same features, look, and feel that has made the GTD-5 EAX version so popular.
Presently[when?], over 90% of GTD-5 EAX switching systems are supported and maintained by the customer using HINT. These users have been using the tool for several years and purchase the service as a yearly subscription subject to annual scrutiny and review. Because of this, the vendor is continuously upgrading and adding new features to excite interest and retain its customer base.

Area 51

This satellite image of Area 51 shows dry Groom Lake just north of the site.
Area 51 is a nickname for a military base located in the southern portion of Nevada in the western United States (north-northwest of Las Vegas). Situated at its center, on the southern shore of Groom Lake, is a large military airfield and one of the most secretive places in the world. The base's primary purpose is to support development and testing of experimental aircraft and weapons systems.
The base lies within the United States Air Force's vast Nevada Test and Training Range. Although the facilities at the range are managed by the 99th Air Base Wing at Nellis Air Force Base, the Groom facility appears to be run as an adjunct of the Air Force Flight Test Center (AFFTC) at Edwards Air Force Base in the Mojave Desert, around 160 miles (260 km) from Groom, and as such the base is known as Air Force Flight Test Center (Detachment 3). Area 51 researcher Glenn Campbell claims that AFFTC Detachment 3 is located at Groom, citing the title of a leaked security manual, the mailbox in Henderson, Nevada he believes formerly served Groom, and the NASA biography of astronaut Carl E. Walz who was formerly a manager at AFFTC detachment 3 (AFFTC-DET3.)

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