According to Clyde & Co's recent report on insurtech, 94 % of insurers expect digital transformation to have
the greatest impact of any factor on their business streams in the next five years.
Not exact matches
In Michigan, the Michigan Pathways to Better Health (MPBH) program, implemented by the Michigan Public Health Institute and the Michigan Department
of Community Health, is using tablet - based checklists to collect demographic information in communities with the
greatest health needs and assess behavioral health, and social service
factors impacting each patient to get a fuller picture
of social determinants
of health.
As was revealed in the just - released 2017 AFP Risk Survey, one
of the top three risk
factors having the
greatest impact on organizations» earnings in the next three years was «U.S. political and regulatory uncertainty.»
«In order to cut through the preconceived wisdoms about which workplace design
factors have the
greatest and least
impact on productivity, we asked our respondents to rate a wide spectrum
of factors that
impact their productivity.
However, the recent period
of cooling does suggest that either manmade global warming may be smaller or that the
impact of other
factors may be
greater than climate models have so far assumed.
Fascinatingly the authors conclude that other
factors have a far
greater impact on cyclist safety than presence or absence
of cycle lane.
«Given that the majority
of the population consumes these grains, understanding the
factors that put certain individuals at
greater risk for the development
of celiac disease will have a broad
impact.
«Our research teams are particularly interested in the
impact of lifestyle related
factors in dementia and by collaborating with experts in diabetes and metabolism, we have been able to investigate the nature
of the link in
great detail.
The nutritional
factor that has the
greatest impact on the development
of a child's gut flora is whether the child is breastfed, according to a new study by the National Food Institute, Technical University
of Denmark, and the University
of Copenhagen.
The
impact of major cardiovascular risk
factors combined is
greater in women than men and in blacks than whites.
«The
impact of these
factors combined on wheezing symptoms and diagnosed asthma calls for
greater emphasis on collaborative — rather than isolated — efforts to reduce their exposure,» said Dr. Patra.
Men showed higher prevalence
of smoking and use
of alcohol than women, but more women had unhealthy BMIs (underweight or obese) than men, highlighting the
greater impact of female BMI as a risk
factor.
The
great impact of psychosocial risk
factors on top
of biological ones are visualized by the marked regional differences and trajectories
of prevalence rates
of T2DM in adult men and women (Figure 2A).
Dr. Gregg Fonarow, a professor
of cardiology at the University
of California, Los Angeles, said, «There has been
great interest as to whether psychological
factors, including having a positive outlook and feeling gratitude, can
impact cardiovascular outcomes.»
The reason for the difference between the changes in joint angle - specific strength and the changes in joint angle - specific neural drive is that both peripheral and central
factors are operating, and the
impact of joint angle - specific neural drive is
greater after training at short muscle lengths, while the
impact of peripheral
factors (like regional muscle size and / or muscle fascicle length) are
greater after training at long muscle lengths.
The ketogenic diet is one
of many tools at our disposal that we can use to
impact health; it works
great for some, and not as well for others, since there are clearly many
factors that influence its effectiveness and practicality.
We believe that one
of the
greatest school - based
factors for improving education today is empowering educators with opportunities to develop a growth mindset by working together to build skills and strategies to increase the
impact of their instruction in the classroom.
We work with education leaders to measure the effectiveness
of teachers, principals, and schools; to examine the equitable distribution
of effective teaching; and to understand the
factors that help educators have a
greater impact on the students they serve.
Issued in the spring
of 1972, the panel's final report predicted that, unless steps were taken, alternatives to public schools would all but disappear; the
greatest impact, the report noted, would be felt in «large urban centers, with especially grievous consequences for poor and lower middle - class families in racially changing neighborhoods where the nearby nonpublic school is an indispensable stabilizing
factor.»
For example, NFER's 2001 - 2010 Citizenship Education Longitudinal Study (CELS) showed that where young people receive a
great deal
of citizenship education, this can positively
impact on their citizenship outcomes, more so than the
impact of other
factors such as age, life stage, and background.
Tomalis said that the study
of the program confirms that when all
factors — including funding — are examined, it's the quality and structure
of a school's leadership that has the
greatest impact on student achievement.
Much research has supported the fact that the classroom teacher serves as the single
greatest «in - school»
factor in
impacting levels
of student academic achievement.
«Teachers realize that while their own
impact on children is
great, it is not as
great as the influence
of many other
factors, including but not limited to poverty, language proficiency, home life, learning disabilities, level
of parental involvement and education, and access to proper facilities and technologies,» said West Hartford teacher Ted Goerner.
Your goal will be pointing out the
factors that influenced development
of the examined event to a
greater extent and highlighting all the major points
of views that make their
impact on it.
Such statements reflect the current views
of Barnes & Noble with respect to future events, the outcome
of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various
factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with t
factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects
of competition, possible risks that inventory in channels
of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction
of the device business, including possible reduction in sales
of content, accessories and other merchandise and other adverse financial
impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels
of distribution may be
greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate
of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance
of Barnes & Noble's online, digital and other initiatives, the success
of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse
impact on the Company's businesses resulting from the Company's prior reviews
of strategic alternatives and the potential separation
of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess
of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution
of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing
of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits
of such efforts and associated risks and other
factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with t
factors which may be outside
of Barnes & Noble's control, including those
factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with t
factors discussed in detail in Item 1A, «Risk
Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with t
Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the current views
of Barnes & Noble with respect to future events, the outcome
of which is subject to certain risks, including, among others, the effect
of the proposed separation
of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various
factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with t
factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects
of competition, possible risks that inventory in channels
of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction
of the device business, including possible reduction in sales
of content, accessories and other merchandise and other adverse financial
impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels
of distribution may be
greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate
of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance
of Barnes & Noble's online, digital and other initiatives, the success
of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse
impact on the Company's businesses resulting from the Company's prior reviews
of strategic alternatives and the potential separation
of the Company's businesses (including with respect to the timing
of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess
of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution
of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction
of international operations following termination
of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination
of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing
of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits
of such efforts and associated risks and other
factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with t
factors which may be outside
of Barnes & Noble's control, including those
factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with t
factors discussed in detail in Item 1A, «Risk
Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with t
Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Universal life insurance quotes can vary a
great deal depending on a number
of factors which include the following and their associated potential premium
impact:
Out
of all the
factors slowing home sales, rising home prices and lack
of affordability is perhaps having the
greatest impact.
All
of these
factors mean the amount you contribute to an RESP will typically have a far
greater impact than your investment returns.
The short positions are not intended to mitigate other
factors influencing the price
of high yield bonds, such as credit risk, which may have a
greater impact than rising or falling interest rates.
Whole life insurance quotes can vary a
great deal depending on a number
of factors which include the following and their associated potential premium
impact:
The short positions are not intended to mitigate credit risk or other
factors influencing the price
of the bonds, which may have a
greater impact than rising or falling interest rates.
Homeowners trying to get a sense
of how rates will
impact their mortgage payments, Scott said, would be better served by keeping an eye on the strength
of the U.S. economy and changes in bond markets —
factors that tend to have a
greater impact on interest rates take than any incremental change by one lender.
... you divide your investment capital between these two basic choices
of «loaning» or «owning» has a
greater impact on your eventual investment returns than any other single
factor.
The index does not attempt to mitigate other
factors influencing the price
of high yield bonds, such as credit risk, which may have a
greater impact on high yield bond prices than changes in interest rates.
The short positions are not intended to mitigate other
factors influencing the price
of investment grade bonds, such as credit risk, which may have a
greater impact than rising or falling interest rates.
Such performance can be
impacted by a number
of risk
factors, including but not limited to (i) the level
of price volatility (equity securities generally have
greater price volatility than debt securities, (ii) changes in interest rates, and (iii) the ability
of the manager to purchase or sell a security in a timely manner at desired prices.
Worldwide, vegetation fires are showing a trend toward longer burning periods, increased fire severity, larger areas burned and increased (mostly human caused) frequency — with all
of these
factors contributing to more damaging environmental
impacts, higher shares
of emissions and increasing socioeconomic costs, including
greater threats to human health and security.
In this data activity, students interpret raw data on snow cover and explore the climatic
impact of the «lake effect» - a significant
factor determining snowfall amount in the
Great Lakes drainage basin is the surface temperature
of the lakes... (View More) Step - by - step instructions for use
of the MY NASA DATA Live Access Server (LAS) guide students through selecting a data set, importing the data into a spreadsheet, creating graphs, and analyzing data plots.
I could probably spend the rest
of the afternoon listing further examples
of supposed problems associated with CO2 that either don't exist or have causitive
factors of far
greater impact than CO2 ever could.
A significant proportion
of fossil fuel projects outside the carbon budget are related to future projects, which companies still have time to cancel — the less that energy transition risks are
factored into company planning now, the
greater chance
of value
impacts in the future.
As Ron Dembo wrote in TreeHugger, «Over time, the cost
of carbon will rise and will be
factored into all the products and services we consume, and this will begin to have
greater impact on our behaviour as the price differential between our old habits and a new greener lifestyle increases.»
There a
great many
factors that
impact the energy production
of a solar installation.
In today's blog by Tal Wolf he gives you a
great summary
of what
factors Judges weigh when retirement
impacts a support obligation.
The
great advantage
of this approach is that it underlines two really important
factors — the broad range
of impact that technology will have and the wide consensus on the inevitability
of the depth
of that
impact.
One variable
factor that will certainly have a
great deal
of impact on your final coverage premium is the availability
of discounts which can drive down the cost
of your policy.
Term life insurance quotes can vary a
great deal depending on a number
of factors which include the following and their associated potential premium
impact:
Universal life insurance quotes can vary a
great deal depending on a number
of factors which include the following and their associated potential premium
impact:
Whole life insurance quotes can vary a
great deal depending on a number
of factors which include the following and their associated potential premium
impact:
Although the CME announcement is a
great move forward and an
great milestone, the most important
factor impacting the price
of Bitcoin over the next month is the upcoming hardfork.