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The definitive compendium for the Insurance Digital Revolution From slow beginnings in 2014, InsurTech has captured US$7billion in investment since 2010 — a 10% annual compound growth rate is predicted until at least 2020. Three in four insurance companies believe some part of their business is at risk of disruption and understanding the trends, drivers and emerging technologies behind Insurance’s Digital Revolution is a business-critical priority for all growth-minded firms. The InsurTech Book offers essential updates, critical thinking and actionable insight — globally — from start-ups, incumbents, investors, tech companies, advisors and other partners in this evolving ecosystem, in one volume. For some, Insurance is either facing an existential threat; for others, it is a sector on the brink of transforming itself. Either way, business models, value chains, customer understanding and engagement, organisational structures and even what Insurance is for, is never going to be the same. Be informed, be part of it. Learn from diverse experiences, mindsets and applications of technologies Discover new ways of defining and grasping growth opportunities Get the inside track from innovators, disruptors and incumbents Be updated on the evolution of InsurTech, why it is happening and how it will evolve Explore visions of the future of Insurance to help shape yours The InsurTech Book is your indispensable guide to a sector in transformation.
Have you ever felt invisible? Have you ever gone to the doctor with complaints of not feeling well but were unable to pinpoint specific symptoms only to be dismissed by them? Do you or a loved one have a diagnosed or suspected autoimmune disease? Do you want to learn practical tips to living a more balanced life with autoimmune disease? If you answered yes to any of these, then this book is for you. It took over twelve years for Melissa Marquis to receive a medical diagnosis for the multiple complex symptoms plaguing her. After years of searching and visits with numerous specialists, it was Melissa's own tenacity and diligence that led her to finally receive her multiple diagnoses. She credits her clinical expertise with providing an unmatched understanding on navigating the health-care system to obtain necessary care over her fifteen-year history of living with progressive, chronic, and rare autoimmune diseases. In Invisible: A Nurse-Turned-Patient's Resource to Living Well with Autoimmune Disease, Melissa provides her medical and nursing expertise by explaining some of the numerous autoimmune diseases and their symptoms, common testing (and what they mean), treatment options, as well as resources and practical tips to have a well-balanced and well-lived life while living with autoimmune disease. Melissa values the experience she gained both professionally and personally during her journey with autoimmune disease. Quickly recognizing that a large gap existed in having a concise, singular resource to learn more about autoimmune disease and applying it to a patient's own life, Melissa curated this book to provide what was lacking for her. Further, she wisely incorporated conversations from the director of the Scleroderma Program at Yale University and several patients with various autoimmune diseases to share their expertise and experience. Her dedication to her craft, her caring spirit, and her desire to help others in a similar situation are all examples of how she continues to live well while living with currently incurable diseases..
In one of the most provocative books ever published on America's social welfare system, economist Janet Currie argues that the modern social safety net is under attack. Unlike most books about antipoverty programs, Currie trains her focus not on cash welfare, which accounts for a small and shrinking share of federal expenditures on poor families with children, but on the staples of today's American welfare system: Medicaid, Food Stamps, Head Start, WIC, and public housing. These programs, Currie maintains, form an effective, if largely invisible and haphazard safety net, and yet they are the very programs most vulnerable to political attack and misunderstanding. This book highlights both the importance and the fragility of this safety net, arguing that, while not perfect, it is essential to fighting poverty. Currie demonstrates how America's safety net is threatened by growing budget deficits and by an erroneous public belief that antipoverty programs for children do not work and are riddled with fraud. By unearthing new empirical data, Currie makes the case that social programs for families with children are actually remarkably effective. She takes her argument one step further by offering specific reforms--detailed in each chapter--for improving these programs even more. The book concludes with an overview of an integrated safety net that would fight poverty more effectively and prevent children from slipping through holes in the net. (For example, Currie recommends the implementation of a benefit "debit card" that would provide benefits with less administrative burden on the recipient.) A complement to books such as Barbara Ehrenreich's bestselling Nickel and Dimed, which document the personal struggles of the working poor, The Invisible Safety Net provides a big-picture look at the kind of programs and solutions that would help ease those struggles. Comprehensive and authoritative, it will prompt a major reexamination of the current thinking on improving the lives of needy Americans.
During the past two decades, there has been a resurgence of interest in issues of land reform in developing and transitional countries. This has been initiated by the large-scale re-distributive activities in former communist countries and by the growing number of claims by displaced indigenous population groups to restore their rights to land. This book provides a timely and clear overview of the historical and theoretical context of current land reform and tenure issues. Illustrated with global case studies from Europe, Asia, Africa and Latin America, key sections explore land and rights to land, property, land tenure and reform, and land registration. Beginning by discussing the need to demarcate space by creating 'invisible lines' - which give certainty to what extent authority over land can be established - the book then explores legal and theoretical definitions of 'land' and 'property' and looks at the various different policies and forms of land tenure. One of the most recent developments in land reform policy has been to look to traditional forms of access to land and of resource conservation. The book argues that, while such policies on land property rights have great potential, they are best being adopted in a long-term, incremental way. It also shows how land policy reforms must be embedded in institutional and general policy reforms, complemented by rural development and educational opportunities for beneficiaries. The book summarises the main principles of land reform activities and practices and argues that the perception of land tenure security is the most critical factor of success to land reform.
This study examines the proposal of the United States, and supported by Canada and the EC, that the trading nations should negotiate new international, multilateral rules to control restrictions on trade in services, including services provided by establishments, such as branches or subsidiaries of foreign controlled firms, as well as services sold across frontiers, such as computer services.