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But noisy systems do not make multiple judgments of the same case. They make noisy judgments of different cases. If one insurance policy is overpriced and another is underpriced, pricing may on average look right, but the insurance company has made two costly errors. If two felons who both should be sentenced to five years in prison receive sentences of three years and seven years, justice has not, on average, been done. In noisy systems, errors do not cancel out. They add up.

Since then the field of neurofeedback has grown by fits and starts, with much of the scientific groundwork being done in Europe, Russia, and Australia. Even though there are about ten thousand neurofeedback practitioners in the United States, the practice has not been able to garner the research funding necessary to gain widespread acceptance. One reason may be that there are multiple competing neurofeedback systems; another is that the commercial potential is limited. Only a few applications are covered by insurance, which makes neurofeedback expensive for consumers and prevents practitioners from amassing the resources necessary to do large-scale studies.

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A major portion of the cost of defense against foreign aggression in a laissez-faire society would be borne originally by business and industry, as owners of industrial plants obviously have a much greater investment to defend than do owners of little houses in suburbia. If there were any real threat of aggression by a foreign power, businessmen would all be strongly motivated to buy insurance against that aggression, for the same reason that they buy fire insurance, even though they could save money in the short run by not doing so. An interesting result of this fact is that the cost of defense would ultimately tend to be spread among the whole population, since defense costs, along with overhead and other such costs, would have to be included in the prices paid for goods by consumers. So, the concern that “free riders” might get along without paying for their own defense by parasitically depending on the defenses paid for by their neighbors is groundless. It is based on a misconception of how the free-market system would operate. The role of business and industry as major consumers of foreign-aggression insurance would operate to unify the free area in the face of any aggression. An auto plant in Michigan, for example, might well have a vital source of raw materials in Montana, a parts plant in Ontario, a branch plant in California, warehouses in Texas, and outlets all over North America. Every one of these facilities is important to some degree to the management of that Michigan factory, so it will want to have them defended, each to the extent of its importance. Add to this the concern of the owners and managers of these facilities for their own businesses and for all the other businesses on which they, in turn, depend, and a vast, multiple network of interlocking defense systems emerges. The involvement of the insurance companies, with their diversified financial holdings and their far-flung markets would immeasurably strengthen this defensive network. Such a multiple network of interlocking defense systems is a far cry from the common but erroneous picture of small cities, businesses, and individuals, unprotected by a government, falling one by one before an advancing enemy horde.

Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive.

Over the next few years, the number of African Americans seeking jobs and homes in and near Palo Alto grew, but no developer who depended on federal government loan insurance would sell to them, and no California state-licensed real estate agent would show them houses. But then, in 1954, one resident of a whites-only area in East Palo Alto, across a highway from the Stanford campus, sold his house to a black family. Almost immediately Floyd Lowe, president of the California Real Estate Association, set up an office in East Palo Alto to panic white families into listing their homes for sale, a practice known as blockbusting. He and other agents warned that a 'Negro invasion' was imminent and that it would result in collapsing property values. Soon, growing numbers of white owners succumbed to the scaremongering and sold at discounted prices to the agents and their speculators. The agents, including Lowe himself, then designed display ads with banner headlines-"Colored Buyers!"-which they ran in San Francisco newspapers. African Americans desperate for housing, purchased the homes at inflated prices. Within a three-month period, one agent alone sold sixty previously white-owned properties to African Americans. The California real estate commissioner refused to take any action, asserting that while regulations prohibited licensed agents from engaging in 'unethical practices,' the exploitation of racial fear was not within the real estate commission's jurisdiction. Although the local real estate board would ordinarily 'blackball' any agent who sold to a nonwhite buyer in the city's white neighborhoods (thereby denying the agent access to the multiple listing service upon which his or her business depended), once wholesale blockbusting began, the board was unconcerned, even supportive. At the time, the Federal Housing Administration and Veterans Administration not only refused to insure mortgages for African Americans in designated white neighborhoods like Ladera; they also would not insure mortgages for whites in a neighborhood where African Americans were present. So once East Palo Alto was integrated, whites wanting to move into the area could no longer obtain government-insured mortgages. State-regulated insurance companies, like the Equitable Life Insurance Company and the Prudential Life Insurance Company, also declared that their policy was not to issue mortgages to whites in integrated neighborhoods. State insurance regulators had no objection to this stance. The Bank of America and other leading California banks had similar policies, also with the consent of federal banking regulators. Within six years the population of East Palo Alto was 82 percent black. Conditions deteriorated as African Americans who had been excluded from other neighborhoods doubled up in single-family homes. Their East Palo Alto houses had been priced so much higher than similar properties for whites that the owners had difficulty making payments without additional rental income. Federal and state hosing policy had created a slum in East Palo Alto. With the increased density of the area, the school district could no longer accommodate all Palo Alto students, so in 1958 it proposed to create a second high school to accommodate teh expanding student population. The district decided to construct the new school in the heart of what had become the East Palo Alto ghetto, so black students in Palo Alto's existing integrated building would have to withdraw, creating a segregated African American school in the eastern section and a white one to the west. the board ignored pleas of African American and liberal white activists that it draw an east-west school boundary to establish two integrated secondary schools. In ways like these, federal, state, and local governments purposely created segregation in every metropolitan area of the nation.

Number of Ingroups If only one ingroup is present, it dominates social life. It provides the only source of norms, identity, and social support. Collectivists may have relatively few ingroups, but they identify very strongly with them. The ingroups of collectivists provide social insurance, protection, and a relaxing atmosphere. The presence of many ingroups encourages individualism. For example, the separation of church and state in the United States automatically creates more than one ingroup and is a premise upon which multiculturalism and democracy are based. It is also the foundation for social movements because each ingroup can potentially become a social movement. Multiple ingroups are especially important in large urban centers, where the social controls of small ingroups are often weak. The social structures of these communities are loose, and several of the factors we have discussed converge to put more emphasis on personal responsibility and less on norms. With more ingroups and looseness there is an increase in social diversity, tolerance for deviance, and multiculturalism. Thus the factors that make cultures loose and allow many choices favor individualism. Conversely, collectivism is maximal in tight cultures, where there are few choices.

The forest, I believe, will stay with Bert as he ages. It is a deep terrain, a place of unending variance and subtle meaning. It is a complete sensory environment, whispering with sounds that nourish rather than enervate, with scents that carry information more significant than 'nasty' or 'nice.' It is different each time you meet it, changing with the seasons, the weather the life cycles of its inhabitants. It is marked by history and mythologies; stories effortlessly spin from its depths. It is safe from the spite of suburban playgrounds, and dangerous in a way that insurance won't indemnify. Dig beneath its soil, and you will uncover layers of life: the frail networks of mycelia, the burrows of animals, the roots of trees. Bring questions into this space and you will receive a reply, though not an answer. Deep terrain offers up multiplicity, forked paths, symbolic meaning. It schools you in compromise, in shifting interpretation. It will mute your rationality and make you believe in magic. It removes time from the clock face and revelas the greater truth of its operation, its circularity and its vastness. It will show you rocks of unfathmoable age and bursts of life so ephemeral that they are barely there. It will show you the crawl of geological ages, the gradual change of the seasons, and the countless micro-seasons that happen across the year. It will demand your knowledge: the kind of knowledge that comes with study. Know it--name it--and it will reward you only with more layers of detail, more frustrating revelations of your own ignorance. A deep terrain is a life's work. It will beguile, nourish, and sustain you through decades, only to finally prove to you, too, are ephemeral compared to the rocks and the trees.

him about the proposed change in name. He thought it sounded like nonsense then and hadn’t changed his mind yet. ‘To answer your question though, I think it will depend on how many other crimes they are able to sew up with this discovery. All the different piles of goods in there might each represent a separate reported theft. They could clear a list of crimes and, if they are finding fingerprints or other physical evidence, they might be able to catch multiple criminals. They’ll be trying to find Karl Tarkovsky, but I doubt he’s in the country. I reckon he took the van full of Stilton and fled, getting across the channel before anyone even had a chance to report the van stolen, let alone the cheese.’ ‘I’m sure you’re right,’ Dave agreed. ‘It’s a shame for the festival. And for the dairy, but they’ll recover sure enough. The insurance will pay for it and it’s not like suppliers can go elsewhere to get it. Stilton isn’t Stilton if it’s made by anyone else,’ the security guard said knowingly. He lapsed into silence and neither man spoke for a moment. It became an awkward silence after about ten seconds, at which point Dave said, ‘Well, must be off. Goodnight.’ ‘Goodnight,’ Albert called after the man as he vanished into the dark again. It was good of him to check on Oxford, especially given the day he’d had. Albert watched the police working in the lockup for a few seconds as he continued to chew over the misalignment of clues in his head. The counterfeit note didn’t fit. In fact, the only way he could make it fit, was to assume it appeared in Karl’s room out of pure coincidence, and he didn’t like that at all. Unable to shift the feeling that he was blind to the truth, he turned around and started back towards the pub. Perhaps a gin and tonic to help him sleep was in order. The imagined taste hastened his steps, but he might have walked faster yet had he known what waited for him in the bar.

The forest, I believe, will stay with Bert as he ages. It is a deep terrain, a place of unending variance and subtle meaning. It is a complete sensory environment, whispering with sounds that nourish rather than enervate, with scents that carry information more significant than “nasty” or “nice.” It is different each time you meet it, changing with the seasons, the weather, the life cycles of its inhabitants. It is marked by history and mythologies; stories effortlessly spin from its depths. It is safe from the spite of suburban playgrounds, and dangerous in a way that insurance won’t indemnify. Dig beneath its soil, and you will uncover layers of life: the frail networks of mycelia, the burrows of animals, the roots of trees. Bring questions into this space and you will receive a reply, though not an answer. Deep terrain offers up multiplicity, forked paths, symbolic meaning. It schools you in compromise, in shifting interpretation. It will mute your rationality and make you believe in magic. It removes time from the clock face and reveals the greater truth of its operation, its circularity and its vastness. It will show you rocks of unfathomable age and bursts of life so ephemeral that they are barely there. It will show you the crawl of geological ages, the gradual change of the seasons, and the countless micro-seasons that happen across the year. It will demand your knowledge: the kind of knowledge that’s experiential, the kind of knowledge that comes with study. Know it—name it—and it will reward you only with more layers of detail, more frustrating revelations of your own ignorance. A deep terrain is a life’s work. It will beguile, nourish, and sustain you through decades, only to finally prove that you, too, are ephemeral compared to the rocks and the trees.

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The Importance of an Accountant for Doctors Managing the financial side of a medical practice can be challenging for doctors who already have demanding schedules. This is why having a specialized accountant is essential for doctors. A qualified accountant can help doctors efficiently manage their financial records, optimize tax strategies, and ensure the overall financial health of the practice, allowing physicians to concentrate on patient care. Unique Financial Challenges for Doctors Doctors face unique financial challenges that are specific to the healthcare industry. These include managing income from multiple sources, handling billing systems for patient care, dealing with insurance reimbursements, and navigating complex healthcare regulations. Additionally, doctors often need to invest in high-cost medical equipment and balance personal and business financial planning. Without professional guidance, these financial aspects can become overwhelming. Accountants with expertise in the medical field understand these complexities and can offer valuable support. The Role of an Accountant in a Medical Practice A specialized accountant for doctors provides services that go beyond traditional bookkeeping. They help with financial planning, ensuring that the practice’s income and expenses are balanced effectively. Additionally, they manage payroll, tax filing, and compliance with healthcare regulations. Furthermore, an accountant can provide strategic advice on reducing costs and optimizing cash flow, making the practice more efficient and profitable. Doctors also benefit from tax planning services, ensuring that deductions specific to healthcare professionals are maximized while keeping the practice compliant with tax laws. Benefits of Hiring a Specialized Accountant By hiring an accountant who specializes in working with doctors, medical professionals can streamline their financial operations and reduce the risk of costly errors. This partnership allows doctors to focus on patient care, knowing that the financial side of their practice is being handled efficiently. Moreover, an accountant can provide financial insights that help doctors plan for the future, such as retirement planning or business expansion. Conclusion In conclusion, a specialized accountant is invaluable for doctors who want to ensure the financial success of their practice. With expertise in the unique financial challenges doctors face, accountants provide essential services that allow medical professionals to focus on their patients while maintaining a healthy financial standing.

Relocating internationally can be a thrilling adventure, but it’s not without its challenges. The logistics involved in international moving are more complex than domestic moves, requiring careful planning and execution. To ensure a smooth transition to your new home, here are ten essential tips for international moving. 1. Start Early Begin the planning process well in advance. International moves involve extensive paperwork, visa applications, and scheduling with international moving companies. Start at least six months before your intended move date. 2. Declutter and Organize Before packing, declutter your belongings. Dispose of items you no longer need or use. This not only reduces the cost of moving but also helps you start fresh in your new home. 3. Research International Moving Companies Select a reputable international moving company with experience in your destination country. Read reviews, ask for referrals, and obtain quotes from multiple companies. Choose one that offers comprehensive services and competitive rates. 4. Understand Customs Regulations Familiarize yourself with the customs regulations of your destination country. Different countries have varying rules about what you can bring with you. Be prepared to fill out detailed customs forms. 5. Documentation Ensure all your important documents are in order. This includes passports, visas, medical records, and any necessary permits. Keep physical copies as well as digital backups. 6. Packing Strategy Use sturdy, high-quality packing materials to protect your belongings during transit. Label boxes clearly and create an inventory list. Pack essential items separately for easy access upon arrival. 7. Insurance Consider purchasing international moving insurance to protect your possessions during the move. Verify what is covered and ensure it meets your needs. 8. Currency and Banking Set up a bank account in your new country before you move. Also, consider having some local currency on hand for immediate expenses upon arrival. 9. Learn About Your New Home Research your destination thoroughly. Understand the local culture, language, and basic laws. Knowing what to expect can ease the transition. 10. Stay Organized Keep all your moving-related paperwork, receipts, and contact information in one place. This will be invaluable if any issues arise during your international move. Bonus Tip: Stay Positive! Moving internationally can be stressful, but maintaining a positive attitude can make a world of difference. Embrace the adventure and view it as an opportunity for personal growth and exploration. Conclusion International moving is a significant undertaking that requires careful planning and thorough research.

Seminars allow you to deliver your stadium pitch to multiple people at one time. The purpose is to create more buyers, but the deciding factor as to if your seminar will swim or tank is your title and pitch. Seminars are over 500% more successful when you use market data over product data. Market data is factual information that can be found by anyone doing research. Product data is information developed by your company or yourself to sell your product.                  Prospects are only interested in product data when they are looking to purchase your type of product at that moment. Everyone is interested in market data if you could show them how they can benefit from the information.

If someone with multiple personalities threatens to kill himself, is it considered a hostage situation? Can an atheist get insurance against acts of God?” She paused. “Or why hemorrhoids are not called ass-teroids?

A medical student is sent for training at a clinic specializing in sexual disorders. The head of the clinic takes the student on a tour. In the first room they enter, there’s a patient masturbating. “What’s his diagnosis?” the student asks. “He has a severe case of Semen Buildup Disorder. If he doesn’t ejaculate multiple times a day, he becomes disoriented and nauseated.” In the second room they find a patient with his pants down around his ankles, receiving oral sex from a beautiful nurse. “What about his diagnosis?” the student asks. “Same condition. He just has better health insurance.

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