Sentences with phrase «most substantial effect»

Indeed, your driving record, gender, and age are the three factors that will have the most substantial effect on your rates.

Maybe this has had the most substantial effect on my work.

The translation suggests that the effect of average peer achievement varies from small (0.092) to substantial (0.676) and that average peer achievement has its most substantial effects within racial groups.

Not exact matches

Such risks and uncertainties include, but are not limited to: our ability to achieve our financial, strategic and operational plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as well as more specific risks and uncertainties discussed in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.

However, the report qualified this by saying that «in terms of national resource use, the economic effects of a ban on hunting would be unlikely to be substantial», with the effects most likely to have dissipated within a decade, but that in the short term «the individual and local effects would be more serious».

«The most exciting finding of our research was that not only did we see slower degeneration in the articular cartilage, we saw that the menisci degenerated a lot slower in overweight and obese individuals who lost more than 5 percent of their body weight, and that the effects were strongest in overweight individuals and in individuals with substantial weight loss,» Dr. Gersing said.

But since a substantial part of the harmful effects of Zika virus infection may occur in the early part of pregnancy, administering vaccines prior to pregnancy or early in pregnancy may be most beneficial, and more clinical research is needed for this time period.

And don't be afraid to lift heavy — most women never pick up enough weight to get a substantial training effect.

Most substantial of the three standard supplements offered is a feature - length audio commentary by director Michael Katleman and visual effects supervisor Paul Linden.

Research has shown that educating a girl has substantial positive effects on child mortality and nutrition, overall family health, fertility rates, women's domestic empowerment, women's wages, and, most interestingly, overall countrywide economic development.

Although, as the authors note, «most non-urban students do reasonably well in any case,» the causal effect of a year of non-urban charter attendance is a substantial reduction in achievement in all levels and subjects, on the order of 0.16 standard deviations in middle school with almost a quarter of a standard deviation decline in high school math.

Among them are deleterious effects on children of unregulated and often substandard childcare; [9] lost productivity for employers due to parents missing work to handle gaps in childcare or to care for a sick child; [10] lost wages and reduced retirement benefits for parents who have to drop out of the labor market to provide at - home care for their young children; [11] a substantial downward pressure on the wages of childcare workers with effects on the quality and stability of the childcare workforce; [12] and lost opportunities for further education, [13] college savings, and other investments that working parents could make in themselves and their children but can not afford because they are spending most or all of their disposable income on childcare.

The most recent report is a meta - analysis of over 200 experimental studies of social and emotional learning which have demonstrated that SEL programs not only impact social cognitions and behavioral adaptation, but in addition such programs have a substantial effect size on academic achievement.

In most cases, the magnitude of these estimates is substantial, comparing favorably to the effects of several well - known interventions, such as class size reduction.»

There are a lot of mistakes to make and underwater stoned to deal with, but still the most substantial difficulty one can face is disability to think up a cause and effect essay idea.

Although time diversification drowns out most of the effects of market contractions on long - term safe withdrawal rates, the results are still substantial.

A substantial list of Mass Effect 2 details were leaked on neoGAF this morning, most pertaining to story and lore with a few bits of gameplay information included in the long list as well.

While F1 2013 is certainly improved over 2012, like the subtle new lighting effects, most of those changes don't make for substantial additions.

The tax package would provide a substantial incentive to people to use more environmentally polluting modes of transport... International studies clearly demonstrate that taxes on fuel should be increased... and the biggest increase ought to apply to diesel fuel because, at least in urban areas, it has the most damaging effect on human health.

I suspect the net effect under most circumstances is that a substantial amount of greenhouse warming is contributed by the ocean alone.

Although the most advanced theoretical climate models still leave uncertainty, particularly about the sign and magnitudes of the effects, on GHG feedbacks, of some low - and high - clouds, a consensus began to develop that threats of resulting increases in global temperature — and the very large risks associated with their possible consequences — deserved substantial increase in attention.

Your deductible can also have a fairly substantial effect on your Woodbury renters insurance rates, and people that are looking for the most affordable renters insurance should consider taking on a higher deductible.

By 2008, when those changes are fully in effect, penalties would be eliminated for most cohabiting families (considering marriage) with incomes below 200 percent of the poverty line, [10] but substantial penalties (averaging $ 1,742) would still remain for 44 percent of all cohabiting couples, mostly those with incomes between $ 20,000 and $ 30,000 a year.