Wholesale Company Quotes

We've searched our database for all the quotes and captions related to Wholesale Company. Here they are! All 27 of them:

The key of brotherhood and sisterhood is that brothers and sisters carry the same genetic code. Together, united, they carry the legacy of their forefathers. Our bond (through our shared blood/DNA) as Ba Ga Mohlala family/clan is our insurance for the future. As Ba Ga Mohlala we can have our own Law firms, Auditing Firms, Doctors's Medical Surgeries, Private School, Private Clinics or Private Hospital, farms and lot of small to medium manufacturing, service, retail and wholesale companies and become self relient. All it takes to achieve that is unity, willpower and commitment.
Pekwa Nicholas Mohlala
Possibly this is one more version of "disappearing into your life", the way career telephone company bigwigs, overdutiful parents and owners of wholesale lumber companies are said to do and never know it. You simply reach a point at which everything looks the same but nothing matters much. There's no evidence you're dead, but you act that way.
Richard Ford (Independence Day)
Get Big Fast. The bigger the company got, Bezos explained, the lower the prices it could exact from Ingram and Baker and Taylor, the book wholesalers, and the more distribution capacity it could afford. And the quicker the company grew, the more territory it could capture in what was becoming the race to establish new brands on the digital frontier.
Brad Stone (The Everything Store: Jeff Bezos and the Age of Amazon)
When copies are free, you need to sell things that cannot be copied. Well, what can’t be copied? Trust, for instance. Trust cannot be reproduced in bulk. You can’t purchase trust wholesale. You can’t download trust and store it in a database or warehouse it. You can’t simply duplicate someone’s else’s trust. Trust must be earned, over time. It cannot be faked. Or counterfeited (at least for long). Since we prefer to deal with someone we can trust, we will often pay a premium for that privilege. We call that branding. Brand companies can command higher prices for similar products and services from companies without brands because they are trusted for what they promise. So trust is an intangible that has increasing value in a copy-saturated world.
Kevin Kelly (The Inevitable: Understanding the 12 Technological Forces That Will Shape Our Future)
Staying at Home during this lockdown period is the right time to find your life purpose within Ba Ga Mohlala family/clan. This is an opportunity to know yourself better and to understand what motivates and feeds your mind and your soul, and also to find out as to where you fit in the bigger Ba Ga Mohlala family/clan. All members of each family/clan possess characteristics, abilities, and qualities specific to that family/clan. It is up to the family/clan to distinguish itself amongst other families/clans. Ba Ga Mohlala has become an institution to build cooperation in order to build and forge unity for social and economic benefits for Ba Ga Mohlala and Banareng in general. An institution is social structure in which people cooperate and which influences the behavior of people and the way they live. intelligence and assertiveness comes to us as our nature, it is in our blood (DNA) and all there is for us to do is to nature it and it will shine, otherwise it will gather dust and rust in us. The key of brotherhood and sisterhood is that brothers and sisters carry the same genetic code. Together, united, they carry the legacy of their forefathers. Our bond (through our shared blood/DNA) as Ba Ga Mohlala family/clan is our insurance for the future. As Ba Ga Mohlala we can have our own Law firms, Auditing Firms, Doctors's Medical Surgeries, Private School, Private Clinics or Private Hospital, farms and lot of small to medium manufacturing, service, retail and wholesale companies and become self relient. All it takes to achieve that is unity, willpower and commitment.
Pekwa Nicholas Mohlala
The Rockefeller Foundation was established in 1913 to maintain the control of the family’s oil empire. Today this foundation is the most important shareholder of Exxon with 4.3 million shares. Additionally, the foundation has two million shares in Standard Oil of California and 300.000 shares in Mobil Oil. Other smaller foundations belonging to the Rockefellers have three million shares in Exxon, and 400.000 shares in Standard Oil of Ohio. The total asset of this group of Rockefeller companies, amount to more than fifty billion dollars.[20] For a researcher who concentrates on the Rockefeller family, it won’t be difficult to prove that this immensely rich family has played an important role in the American politics of the twentieth century. The drift and decisions of American politics lead directly back to the Rockefeller family. The Rockefellers immigrated to America from Spain. The best-known member of this family was the influential industrialist, banker John Davidson Rockefeller. He asserted himself as the richest man of his time. Before going into oil transport, he was a wholesaler of narcotic drugs.[21] With an unbridled energy, he set up the Standard Oil Trust, which now possesses ninety percent of the oil refineries in the United States.[22] John Davidson Rockefeller also bought the Pocantico Hills territory in New York, which is the domicile of over a 100 families with the name Rockefeller. David Rockefeller, an absolute genius in the field of finances, has been managing Chase Manhattan Bank, the most important bank in the world, since 1945. The power of this bank is great enough to bring about or destroy governments, to start or end wars, and ruin companies or let them flourish worldwide, ultimately exerting great influence on the entire human race.
Robin de Ruiter (Worldwide Evil and Misery - The Legacy of the 13 Satanic Bloodlines)
The Four Global Options Now that you grasp the BIG picture, which includes your life values, your career values, your T-Bar, and current market conditions, it’s time to consider the four global options. I call these global options because, in reality, these are the only four job or career options you have. Option #1: Same job–same industry. Choosing Option #1 means you enjoy both and, most likely, need only conduct a job transition campaign to seek out a new company or organization. For example, a fifth grade teacher who is teaching in a public school may seek the same job (teacher) in the same industry (public school system); this teacher only needs to look at a new school in the same school district or to apply for a teacher’s position in a new school district. Option #2: New job–same industry. Option #2 means you enjoy the industry but need to identify a new job within that industry. Using the fifth grade teacher as an example again, she might seek a new job as an assistant principal or librarian. Or maybe she wants to earn more money than she would make as a teacher, so she becomes a sales professional and sells textbooks to educational institutions. The job transition campaign will take place within education, but she will identify and pursue a new, more inspiring, and more rewarding job within that industry. Option #3: Same job–new industry. If you select Option #3, it means you enjoy your job or vocation, but you need to identify a new industry or environment to perform that job in. The fifth grade teacher might get a job teaching for a private school (new industry or venue) or a private learning center, or she might even start her own tutoring business. In this case, the job transition campaign will focus on teaching but in a new, more appealing industry or venue. Option #4: New job–new industry. This option means you are ready for a wholesale change. Oftentimes this option is the option of choice if there’s a career or job you’ve always dreamt about. Or possibly you have a nice severance package or the financial means to return to school and prepare for an entirely new career. Possibly the fifth grade teacher always had a passion for antiques. In this case, she might pursue a job as a manager or even an owner of an antique store. Perhaps she’ll make the decision to stay home and be a full-time mom. The job transition campaign will focus on an entirely new job or activity in an entirely new industry or venue.
Jay A. Block (101 Best Ways to Land a Job in Troubled Times)
In 2003, a law slid through Congress stipulating that Medicare, the world’s largest drug buyer, could no longer negotiate prices with corporations. The statute directed them to pay 106 percent of the companies’ average wholesale price.
Robert A. Yoho (Butchered by "Healthcare": What to Do About Doctors, Big Pharma, and Corrupt Government Ruining Your Health and Medical Care)
Pirate Packaging is a specialist wholesale packaging company based in Bolton. We offer luxury, bespoke packaging for takeaways, bakeries, caterers and more. At Pirate Packaging, we aim to help our customers achieve their goals. When it comes to business branding, your packaging should reflect the values of your company and this is why quality and sustainability is key. That's why we understand that brand identity needs to be unique and sometimes taking a risk is crucial.
Pirate Packaging Ltd
As I make clear throughout the book, OxyContin was hardly the only opioid to be fraudulently marketed or widely abused, and my choice to focus on Purdue is in no way a suggestion that other pharmaceutical companies do not deserve a great deal of blame for the crisis. The same could be said for the FDA, the doctors who wrote prescriptions, the wholesalers that distributed the opioids, and the pharmacies that filled the prescriptions. There’s plenty of blame to go around. I do share the view, however, of many doctors, public officials, prosecutors, and scholars that Purdue played a special role, as a pioneer. All
Patrick Radden Keefe (Empire of Pain: The Secret History of the Sackler Dynasty)
contract manufacturers—companies that make your product for you and sell it to you at wholesale.
Ryan Daniel Moran (12 Months to $1 Million: How to Pick a Winning Product, Build a Real Business, and Become a Seven-Figure Entrepreneur)
Find Your Supplier I’ve come to trust and rely on suppliers from Alibaba.com, but I know it has its detractors. When it comes to user experience, the site is, frankly, a bit of a mess. There’s also a certain distance between you and the supplier that the more firm-handshake-loving, look-them-in-the-eye-while-you’re-negotiating types don’t like. These days, though, Alibaba has a lot of competition, so there are plenty of options out there if you want a different path to your product. You can search for wholesalers, manufacturing companies, or contract manufacturers for your chosen product and find any number of smaller companies you can contact personally to get that more direct experience. Or, if you’re feeling particularly old-fashioned, you can attend a trade show in the market you’re going into. Find out where the next event is, hop on a plane, and go speak to a room full of potential manufacturers in a new city. Some people even go so far as to fly to China to meet directly with manufacturers. I’ve never done that—and I never plan to do that—but plenty of my friends swear by it. Of these options, though, I’d still recommend starting on Alibaba or a similar site and ordering ready-made product samples. Something magical happens when you hold a product in your hand: You realize it’s real. While it may seem at the outset like the best way to make your perfect product is to go meet a contract manufacturer in person and get them to build your design from scratch, that option comes with a lot more risk: the risk of lost time. We’re talking about at least three months before you see your first prototype—more likely six, or even twelve. All of that and you won’t even know right away if the resulting prototype will be the one that will make your brand. That’s why I recommend you come up with the idea, get samples, and improve over time. Perfectionists hate the approach, but you can’t expect to make it to a million dollars in twelve months if it takes twelve months just to get a look at what you’re creating.
Ryan Daniel Moran (12 Months to $1 Million: How to Pick a Winning Product, Build a Real Business, and Become a Seven-Figure Entrepreneur)
AM: My father had arrived in New York all alone, from the middle of Poland, before his seventh birthday… He arrived in New York, his parents were too busy to pick him up at Castle Garden and sent his next eldest brother Abe, going on 10, to find him, get him through immigration and bring him home to Stanton Street and the tenement where in two rooms the eight of them lived and worked, sewing the great long, many-buttoned cloaks that were the fashion then. They sent him to school for about six months, figuring he had enough. He never learned how to spell, he never learned how to figure. Then he went right back into the shop. By the time he was 12 he was employing two other boys to sew sleeves on coats alongside him in some basement workshop. KM: He went on the road when he was about 16 I think… selling clothes at a wholesale level. AM: He ended up being the support of the entire family because he started the business in 1921 or something. The Miltex Coat Company, which turned out to be one of the largest manufacturers in this country. See we lived in Manhattan then, on 110th Street facing the Park. It was beautiful apartment up on the sixth floor. KM: We had a chauffeur driven car. The family was wealthy. AM: It was the twenties and I remember our mother and father going to a show every weekend. And coming back Sunday morning and she would be playing the sheet music of the musicals. JM: It was an arranged marriage. But a woman of her ability to be married off to a man who couldn’t read or write… I think Gussie taught him how to read and to sign his name. AM: She knew she was being wasted, I think. But she respected him a lot. And that made up for a little. Until he really crashed, economically. And then she got angry with him. First the chauffeur was let go, then the summer bungalow was discarded, the last of her jewellery had to be pawned or sold. And then another step down - the move to Brooklyn. Not just in the case of my father but every boy I knew. I used to pal around with half a dozen guys and all their fathers were simply blown out of the water. I could not avoid awareness of my mother’s anger at this waning of his powers. A certain sneering contempt for him that filtered through her voice. RM: So how did the way you saw your father change when he lost his money? AM: Terrible… pity for him. Because so much of his authority sprang from the fact that he was a very successful businessman. And he always knew what he as doing. And suddenly: nothin’. He didn’t know where he was. It was absolutely not his fault, it was the Great Crash of the ‘29, ‘30, ‘31 period. So from that I always, I think, contracted the idea that we’re very deeply immersed in political and economic life of the country, of the world. And that these forces end up in the bedroom and they end up in the father and son and father and daughter arrangements. In Death of a Salesman what I was interested in there was what his world and what his life had left him with. What that had done to him? Y’know a guy can’t make a living, he loses his dignity. He loses his male force. And so you tend to make up for it by telling him he's OK anyway. Or else you turn your back on him and leave. All of which helps create integrated plays, incidentally. Where you begin to look: well, its a personality here but what part is being played by impersonal forces?
Rebecca Miller
Welcome, We are a company specializing in retail wholesale distribution of the best surron bikes. surron ultra bee carbon black, surron light bee x, surron ultra bee black, surron ultra bee black carbon, sur-ron ultra bee l3e, street legal ultra bee, sur ron storm bee, surron storm bee, zuron bike, light bee, sur ron light bee x, ultra bee black edition, electricbikesllc.com
electricbikesllc
While I'm writing you I might mention the new novel I'm considering writing; it has to do with the phonograph record business, which I was involved with, at the retail end, for over seven years. I guess I'll make it a S-F novel, though, setting it in the future. My memory tapes (so to speak) have few if any gaps in them about my years in the record business, what with the rip-offs and payola. The small profits for the retailer, the huge chains that are wholesalers-retailers who crowd out the little guy. Provisionally, I will call the record company DOGSHIT RECORDS INC. (Or DRI, as they have now EMI, RCA, MCA, etc.) In my head I've blocked out the tory of an android who has an agent who is another android, but neither knows the other is an invader. (There is a sort of mutual surprise ending, but the main thing is to lay forth the inner workings of an industry for our readership, in a novel of the sort I tend to write and they tend to read.) The musical artist's agent is named (are you ready?) Skim Morewithit, and so forth. There are rip-offs of royalties, two sets of books, all the usual stuff you find today and yesterday in the record business. As to locale, I haven't decided. Maybe on Jupiter, because it will be a (ahem) heavy novel.
Philip K. Dick (The Selected Letters, 1974)
The bill created a new market on which Koch’s traders could buy and sell megawatt-hours: a market called the California Power Exchange. It was basically a wholesale market where utilities bought power, thousands of megawatt-hours at a time, to meet their customers’ needs. There was a wrinkle in this exchange that would later cause calamity. The prices on the Power Exchange could float with market conditions. But the prices that utilities could charge their customers for the power they bought on the exchange were frozen. The utility companies had pressed to freeze customer rates at high levels as a way to recoup the $20 billion to $30 billion in power plant upgrades the utilities made before the new law forced them to sell those same power plants. The state agreed to freeze electricity rates—at a price that was higher than wholesale power—so the utilities would be guaranteed a comfortable profit margin for the first few years of deregulation. When everything went south later, trading companies like Enron, who were actually breaking the law, would scapegoat the rate freeze and call it a “price cap,” using it as evidence that California had created a distorted marketplace that was simply begging to be exploited. In fact, the rate freeze was not a cap at all but a floor—a guarantee that prices would be high enough for the utilities to recoup their sunk costs. It appears that virtually no one in 1998 believed that wholesale electricity prices might actually go higher in the age of deregulation.
Christopher Leonard (Kochland: The Secret History of Koch Industries and Corporate Power in America)
As a wholesale bank, J. P. Morgan and Company would take deposits only from important clients—large corporations, other banks, foreign governments. Like other private New York banks, it rejected deposits from the general public and accepted money only from wealthy people with proper introductions. It paid no interest on deposits of less than $7,500 and held no deposit of less than $1,000.
Ron Chernow (The House of Morgan: An American Banking Dynasty and the Rise of Modern Finance)
Starting a clothing company Apart from above, if you are searching for an alternative apparel wholesale provider that can provide you outstanding drop-shipping clothing solutions and products that too within your restricted cost variety of starting a clothing company, then we are the ideal position for you to visit once. We are the one stop destination for you to put purchases and take advantage of our goods and delivery solutions. In order to know more about us and our goods, you can go through our on the internet website. While purchasing clothing through the web stores, you can surf a number of products.
livebnfd
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.
Richard Rothstein (The Color of Law: A Forgotten History of How Our Government Segregated America)
If your company has any credible strategy for providing equity-based returns with muted volatility, you have not just a value proposition, but one of the most important value propositions of our time.... What's the concept in an operating real estate REIT? Operating real estate (as distinct from net leases or mortgages, which are other financing concepts) has the potential to produce equity-like long-term returns, but isan extremely powerful diversifier, in that real estate correlates positively with inflation while stocks and bonds correlate negatively with it. Inflation, with it attendant higher interest rates, chokes off new supply of real estate: new expensive to build, to expensive to finance at prevailing market rents. When new supply dwindles, normal growth absorbs the available space and puts upward pressure on rents, increasing cash flows to the owners... until rents get to a point where new construction pencils out again. (Meanwhile, in an inflation/interest rate flareup of any consequence, stocks and bonds are usually getting hit, and sometimes hit hard.) This, to me, is a trifecta of a conceptual value proposition: (a) the potential for the equity-like long-term returns investors need, (b) historically correlated positively with inflation, unlike all financial assets, and (c) just when you think this story can't get better, with 90% of available income paid out currently to income-starved investors.... What's the concept for variable life insurance? It's certainly the least expensive long-term form of life insurance, in that, as the investment portion grows, it extinguishes the insurance company's exposure. (As Ben Baldwin gnomically and brilliantly observes, 'All insurance is term insurance.') It may also be, in a given situation, the cheapest way of funding an estate tax liability, leaving the maximum legacy to one's heirs. And, of course, if the ownership is vested in an insurance trust, one may (under current law at this writing) be bequeathing wealth without income or estate taxation. As long as there is an estate tax - any estate tax - there will be a financial planning issue in the life of every affluent household/family: how do you want the heirs to pay it? And it seems likely that, conceptually, VUL will always be an answer.... Small cap equities? The concept is, clearly, higher returns with - and precisely because of - their higher volatility.
Nick Murray (The Value Added Wholesaler in the Twenty-First Century)
Owing to this world-class cost structure and disciplined pricing policy, the Lee Group’s flip-flop business is thriving. A couple of years ago, it was paid the ultimate compliment when Walmart, the world’s largest retailer, came calling. Walmart wanted to know whether the Lee Group would consider becoming its flip-flop supplier. The Lee Group said no. The company has long sold all its flip-flops at its factory gates to local wholesalers, who take the shoes to every corner of Nigeria and into surrounding countries in West Africa. It has never had any trouble selling its entire output and didn’t see the point of disappointing long-standing distributors in order to serve Walmart. It didn’t need the business of the largest retailer in the world because it had found a more efficient production model to serve an even more price-conscious consumer. In some sense, it had outWalmarted Walmart.
Irene Yuan Sun (The Next Factory of the World: How Chinese Investment Is Reshaping Africa)
Berkshire Hathaway Public Holdings April 4, 2012 Company Holding Value Stake The Coca-Cola Company (KO) $14.69 billion 8.8% International Business Machines (IBM) $13.17 billion 5.4% Wells Fargo (WFC) $12.99 billion 13.0% American Express (AXP) $8.69 billion 2.8% Proctor & Gamble $5.16 billion 2.8% Kraft Foods $3.32 billion 4.9% Wal-Mart Stores $2.36 billion 1.1% ConocoPhillips $2.22 billion 2.3% U.S. Bancorp $2.16 billion 2.3% Johnson & Johnson $1.90 billion 1.1% Moody’s Corp $1.20 billion 12.8% DIRECTV $995 million 2.9% Washington Post Co. $645 million 22.4% M&T Bank Corp $465 million 4.3% Costco Wholesale Corp $386 million 1.0% Visa Inc. $341 million 0.35% Intel Corp. $321 million 0.23% CVS Caremark $315 million 0.55% USG Corp $283 million 16.2% General Dynamics $281 million 1.1% DaVita Inc. $233 million 2.9% Dollar General $210 million 1.3% Torchmark $208 million 4.2% MasterCard Inc. $174 million 0.3% Verisk Analytics $162 million 1.9% General Electric $153 million 0.07% Sanofi SA $153 million 0.15% Liberty Media $149 million 1.4% United Parcel Service $114 million 0.15% GlaxoSmithKline $68 million 0.06% Bank of New York Mellon $43 million 0.15% Ingersoll Rand $26 million 0.2% Gannett $26 million 0.73% Source: CNBC, Warren Buffet Watch.
David Andrews (The Oracle Speaks: Warren Buffett In His Own Words (In Their Own Words))
That a chunk of code written by one person in six weeks could summarize the state of the world was revolutionary. To Google, it was another step toward its stated goal of making the company “an institution that makes the world a better place.” But others in the news business begged to differ. “There are those who think they have a right to take our news content and use it for their own purposes without contributing a penny to its production,” said then News Corp. chairman and CEO Rupert Murdoch. “Their almost wholesale misappropriation of our stories is not fair use. To be impolite, it’s theft.
Jill Abramson (Merchants of Truth: The Business of News and the Fight for Facts)
Wholesale Kratom Waymorenaturals.com Waymorenaturals.com is the most trusted company of USA who offers wholesale Kratom to their customers. We are always ready with our stock and we never compromise with the quality of our products. If you are looking for wholesale Kratom, you should go for the most reliable suppliers, Waymorenaturals.
Zeke Blake
Realizing that their best opportunities existed in wholesale distribution, the leaders proved themselves adept time and again at letting go and discarding companies and business units that no longer fit the strategic direction of the firm.
Jason Jennings (The Reinventors: How Extraordinary Companies Pursue Radical Continuous Change)
At 50, people are still looking for a stockbroker to work a miracle for them, but at 60 they start looking for an advisor to help them negotiate a truce with reality. Regardless of when people are actually planning to retire, 60 is psychologically the beginning of the end of the accumulation period in their lives, and the beginning of the beginning of the distribution phase.... Variable annuitization offers genuine hope to people who (a) need to live on more than six percent of their capital, (b) need their income to grow in some relation to equity returns, which have historically been more than three times the inflation rate, and (c) at the very, very least, need to be assured that some income will continue for their entire lives. Variable annuitization is the only chance these people have. ...If Americans understood how the capital markets actually work, most folks would choose variable universal life insurance over variable life and whole life as the cheapest form of permanent insurance they could buy for the long run. That's simply because the insurance cost of an insurance policy is a pure function of how much of its own money the insurance company has exposed. Since the policyholder's own cash value builds up most significantly over time - and therefore the insurance company's exposure falls further, faster - in variable universal policies than in other debt-based (or general account-based) contracts, the net premium dollars allocated to the purchase of the death benefit must be lower, at the end of the day. And the policyholder's equity must be commensurately greater.
Nick Murray (The Value Added Wholesaler in the Twenty-First Century)
Vogt was unable to test this hypothesis until late in 1940, when he persuaded the guano company to measure plankton abundance by dragging the sea at multiple locations with a fine silk net. He examined the samples with the sole tool available, a magnifying glass he had managed to acquire on a trip to Lima. Despite the crude equipment he was able to gather enough data to see what was happening. The “general tendency,” he wrote, was for “falling temperature to be accompanied by increasing plankton, and vice versa”—an inverse relationship. Abrupt water-temperature rises “resulted in wholesale destruction” of plankton. Desperately hungry, the Guanays had scattered in every direction to search for food.
Charles C. Mann (The Wizard and the Prophet: Two Remarkable Scientists and Their Dueling Visions to Shape Tomorrow's World)