Sentences with phrase «most substantial impact»

Below, we've summarized the four traits of different body types that have the most substantial impact on car insurance rates.

An additional consideration you should think about before deciding which projects are most important is knowing what upgrades will make the most substantial impact on the value of your home.

Not exact matches

In addition to the substantial financial impact of closing those stores, laying off all of the people was one of the most difficult business decisions of my life.

As usual, those most severely impacted will be the middle market companies far outside of the limelight, but the implications are substantial.

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.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

However, research now shows that fathers have substantial impact on children's development too (for the most recent research summary, see Lamb & Lewis, 2004).

A study assesses flood impacts for three scenarios — of 1.5 °C, 2 °C and 3 °C warming — and finds that most of Central and Western Europe will experience substantial increase in flood risk at all warming levels, and the higher the warming, the higher the risk.

-- The term «most vulnerable developing countries» means, as determined by the Administrator of USAID, developing countries that are at risk of substantial adverse impacts of climate change and have limited capacity to respond to such impacts, considering the approaches included in any international treaties and agreements.

-- The term «most vulnerable communities and populations» means communities and populations that are at risk of substantial adverse impacts of climate change and have limited capacity to respond to such impacts, including impoverished communities, children, women, and indigenous peoples.

In addition, omega - 3 oils have substantial anti-inflammatory properties, and one of the most important reasons to supplement with omega 3 during the Psoriasis Program is to reduce the impact of any potential inflammatory reactions that may occur in your digestive system, your skin, and anywhere else in your body, especially if you have a chronic psoriasis which may involve considerable systemic inflammation.

«In most cases, two - thirds of the FAFSA form can be completed using tax information, so in less than 10 minutes, we were able to address a major educational problem and had a substantial impact on aid applications and college enrollment,» Long said.

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.

Ride quality is excellent for a modern large - wheeled car (21 - inch wheels are standard), absorbing all but the most sudden and substantial or road imperfections without untoward impact on the occupants.

Further, while increased mitigation efforts will reduce climate impacts, even the most aggressive mitigation efforts will not eliminate the need for substantial adaptation.

They will simply impose totally unnecessary and substantial burdens on the world's taxpayers and horrendously impact the economic well - being of many of the world's most deprived communities.

The United States also will take prompt, substantial action to help the least developed and most vulnerable countries adapt and build resilience to the impacts of climate change.»

-- We can't be certain that atmospheric CO2 is really going to cause any substantial harm, but we can be reasonably sure that anything that raises the price of energy (e.g. mitigation, that is reducing emissions at the source) will impact improvements in lifestyle that most of the world wants.

Severe extended heatwaves affected the most populous and economically developed part of China and caused substantial economic and societal impacts.

Further, while increased mitigation efforts will reduce climate impacts, even the most aggressive mitigation efforts will not eliminate the need for substantial adaptation, particularly in developing countries which will be disproportionately affected.

«Our findings do not contradict the main conclusions of the IPCC on impacts, adaptation and vulnerability related to climate change... The negative impacts under unmitigated climate change in the future pose substantial risks to most parts of the world, with risks increasing at higher global average temperatures.»

Then CanLII would have a substantial impact on that most serious of all problems — a problem that threatens government intervention to again make legal services affordable.

The most significant impact will be on part - time and casual employees who may see a substantial increase in their public holiday pay entitlement.

It acknowledges that «there are a number of options presented but most are highly complicated, would take years to deliver and could create issues of their own» and concludes that «in order to assess the viability, benefits and impacts of any change in this area, a substantial amount of further work is required».

Macroeconomic factors such as GDP, imports / exports, inflation, and interest rates have a direct impact on real estate values — most noticeable when there is a substantial change in any of them — and appraisers must be able to interpret how these factors impact value.