If using permanent insurance the portion calculated as the «permanent benefit» takes into account premium (s) paid, accumulated and cash surrender value, and
other policy factors.
-- Use
other policy factors and deductibles.
Not exact matches
Important
factors that could cause actual results to differ materially from those reflected in such forward - looking statements and that should be considered in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions in the industries and markets in which we operate in the U.S. and globally and any changes therein, including fluctuations in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain in a timely fashion any required regulatory or
other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our
other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and
other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or
other security attacks, information technology failures, or
other disruptions; 16) returns on pension plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and
other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both in the U.S. and abroad; 20) the effect of changes in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction in our credit ratings; 22) our dependence on our suppliers, as well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and
other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and
other cost savings; 32) our ability to consummate our announced acquisition of Asco in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and
other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government
policies; and 35) our ability to complete the proposed accelerated stock repurchase plan, among
other things.
Only now, thanks to changes in government
policy among
other factors, the cast of contending princelings is shifting, causing one big name VC to publicly bet on an less - often - mentioned possibility — Canada.
Such risks, uncertainties and
other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among
other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and
factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various
factors, including market conditions and the level of
other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and
other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and
other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and
other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade
policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade
policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among
other things import / export) and
other laws and regulations in the U.S. and
other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the
other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or
other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
There are several
other factors that need to be considered in evaluating the incubation programs, including their
policy on graduation and exit, level of psychological support, ability to keep trade secrets and openness to double - loop learning and exchange of knowledge.
But then again, so is demographics, water scarcity, technological change, creativity,
policy choices, public sentiment, corruption, cultural differences, new forms of energy and a myriad of
other factors, all interacting in unpredictable ways.
«The [U.S. Equal Employment Opportunity Commission] enforces the ADEA and considers the ADEA to prohibit an employer from using neutral employment
policies and practices that have a disproportionately negative impact on applicants or employees age 40 or older, if the
policies or practices at issue are not based on a reasonable
factor other than age,» writes Elliot at VirginiaWorkplaceLaw.com.
«The nature of jobs is quickly changing with automation, globalization, government
policies, and
other factors, making it impossible for anyone to predict which skills a job will require in the future,» Udemy CEO Kevin Johnson said in a news release.
Important
factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the other risks and uncertainties described in the Risk Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
factors that could cause our actual results and financial condition to differ materially from those indicated in the forward - looking statements include, among
others, the following: our ability to successfully and profitably market our products and services; the acceptance of our products and services by patients and healthcare providers; our ability to meet demand for our products and services; the willingness of health insurance companies and
other payers to cover Cologuard and adequately reimburse us for our performance of the Cologuard test; the amount and nature of competition from
other cancer screening and diagnostic products and services; the effects of the adoption, modification or repeal of any healthcare reform law, rule, order, interpretation or
policy; the effects of changes in pricing, coverage and reimbursement for our products and services, including without limitation as a result of the Protecting Access to Medicare Act of 2014; recommendations, guidelines and quality metrics issued by various organizations such as the U.S. Preventive Services Task Force, the American Cancer Society, and the National Committee for Quality Assurance regarding cancer screening or our products and services; our ability to successfully develop new products and services; our success establishing and maintaining collaborative, licensing and supplier arrangements; our ability to maintain regulatory approvals and comply with applicable regulations; and the
other risks and uncertainties described in the Risk
Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form
Factors and in Management's Discussion and Analysis of Financial Condition and Results of Operations sections of our most recently filed Annual Report on Form 10 - K and our subsequently filed Quarterly Reports on Form 10 - Q.
But the document notes that static calculations about debt fail to account for many
other factors that can affect the entire picture, such as
policy changes aimed at slowing debt accumulation.
«How steep that will be depends on
policy changes regarding Social Security as well as
other factors like global growth.»
Other employees pointed to the company's values, atmosphere, vacation
policy as
factors that make the company a great place to work.
The forecasts outlined in the recent Statement on Monetary
Policy give our best assessment of the most likely outcomes for Australia, contingent on these and
other factors.
Obviously, many
factors — monetary
policy, inflation, international forces, among
others — affect U.S. yields, not just U.S. growth and deficits.
[16:00] Pain + reflection = progress [16:30] Creating a meritocracy to draw the best out of everybody [18:30] How to raise your probability of being right [18:50] Why we are conditioned to need to be right [19:30] The neuroscience
factor [19:50] The habitual and environmental
factor [20:20] How to get to the
other side [21:20] Great collective decision - making [21:50] The 5 things you need to be successful [21:55] Create audacious goals [22:15] Why you need problems [22:25] Diagnose the problems to determine the root causes [22:50] Determine the design for what you will do about the root causes [23:00] Decide to work with people who are strong where you are weak [23:15] Push through to results [23:20] The loop of success [24:15] Ray's new instinctual approach to failure [24:40] Tony's ritual after every event [25:30] The review that changed Ray's outlook on leadership [27:30] Creating new
policies based on fairness and truth [28:00] What people are missing about Ray's culture [29:30] Creating meaningful work and meaningful relationships [30:15] The importance of radical honesty [30:50] Thoughtful disagreement [32:10] Why it was the relationships that changed Ray's life [33:10] Ray's biggest weakness and how he overcame it [34:30] The jungle metaphor [36:00] The dot collector — deciding what to listen to [40:15] The wanting of meritocratic decision - making [41:40] How to see bubbles and busts [42:40] Productivity [43:00] Where we are in the cycle [43:40] What the Fed will do [44:05] We are late in the long - term debt cycle [44:30] Long - term debt is going to be squeezing us [45:00] We have 2 economies [45:30] This year is very similar to 1937 [46:10] The top tenth of the top 1 % of wealth = bottom 90 % combined [46:25] How this creates populism [47:00] The economy for the bottom 60 % isn't growing [48:20] If you look at averages, the country is in a bind [49:10] What are the overarching principles that bind us together?
Certain
factors, such as the performance of the stock market, the pace of distributions from our funds and from the funds of
other asset managers or the asset allocation rules or regulations or investment
policies to which such third - party investors are subject, could inhibit or restrict the ability of third - party investors to make investments in our investment funds.
The United States Federal Reserve System works similarly to central banks in many
other countries, with a goal of managing economic growth, inflation, and
other economic
factors through monetary
policy.
The concern that the network hashrate will become too low is based on several assumptions and variables, including the number of daily transactions, the willingness of the users to wait for confirmations, the willingness of the users to pay small amounts, the behavior of the miners, the fee
policies set by various wallets, the emergent consensus on acceptable fees by the mining community, and
other factors, including what actually is «too low» of a network hashrate in the first place.
Bell argued that uncertainty surrounding trade
policy, North Korea, and
other geopolitical issues was one of the
factors holding back Wall Street bulls.
Level term
policies are usually more affordable since premiums can vary based upon
factors other than age, and the insurer can better price your risk profile.
Since QE2 in November 2010, there have been two and half million new jobs created and I don't claim credit for all those jobs, and of course many
other factors are at work, but I think that it (monetary
policy) has been constructive.
Policy - makers, scholars, and
other commentators have suggested a number of
factors that may affect public opinion on expanded trade with China.
Monetary
policies and
other factors are lifting markets in Europe, Japan and some emerging markets.
However,
other factors played a role, including reactions to the non-transparent, lobby - driven trade negotiation process to develop
policy for behind - the - border governance issues, the flawed investor - state dispute mechanism, and the controversial intellectual property and cross-border data flow provisions, which promised to raise health - care costs, dampen innovation, and raise privacy concerns.
These
factors — many of which are beyond our control and the effects of which can be difficult to predict — include: credit, market, liquidity and funding, insurance, operational, regulatory compliance, strategic, reputation, legal and regulatory environment, competitive and systemic risks and
other risks discussed in the risk sections of our 2017 Annual Report; including global uncertainty and volatility, elevated Canadian housing prices and household indebtedness, information technology and cyber risk, regulatory change, technological innovation and new entrants, global environmental
policy and climate change, changes in consumer behavior, the end of quantitative easing, the business and economic conditions in the geographic regions in which we operate, the effects of changes in government fiscal, monetary and
other policies, tax risk and transparency and environmental and social risk.
Of course, historical trends are not a guarantee of what will happen in the future, and there are a myriad of
other, more important fundamental
factors to consider, including valuations, earnings strength, and fiscal and monetary
policy, among
others.
There were
other major
factors, including the tendency of Americans to live above their means and
policies that encouraged banks to dilute mortgage lending standards.
One may agree that deep geopolitical and economic interests have contributed to shaping U.S.
policy in the Middle East, and that many mistakes have been made since FDR struck his deal with King Ibn Saud, even as one believes that Bacevich has overlooked
other important
factors.
Another
factor in the modern data set we must bring before the model is the mass entry of women into the work force and the erection of social
policies that transfer benefits
other than through bonds with particular male breadwinners.
While some of these
factors, such as food safety concerns and technological innovations, are unpredictable in magnitude and timing,
others are observable (e.g. income growth), constrained by supply side
factors (e.g. lack of feed) and determined by institutional changes (e.g. harmonization of standards) and
policies (e.g. agricultural subsidies and environmental regulations).
Osborne lists
other factors critical to the success of his walk - on program: a freshman team that practices together and plays a five - game schedule («They're not just bag - holders their first year,» he says); the Huskers» nationally acclaimed weight program («I knew I needed a lot of work, and this was where I could get it,» says Morrow); and Osborne's
policy of holding back about five scholarships per year for walk - ons, a true motivational carrot.
According to a 2009 study called
Factors Influencing the Implementation of School Wellness
Policies in the United States, it's important to have a school district wellness committee or
other group to create, implement and oversee the school district wellness
policy.
The 1998 and 2005 AAP
policy statements and the Back to Sleep campaign not only addressed the importance of back sleeping but also provided recommendations for
other infant care practices that may reduce the risk of SIDS and
other sleep - related infant deaths.1, 9 Unfortunately, the ability to measure the prevalence of these
other risk
factors is limited by lack of data.
Previous attempts to evaluate the Baby Friendly Initiative within an observational study design have often been limited by small sample size or reliance upon ecological measures of confounding
factors.16, 17 The advantage of the Millennium Cohort Study is the availability of individual - level social and demographic information, as well as the circumstances of pregnancy and delivery, allowing adjustment for
factors that in
other studies may be associated with both
policy intervention and infant feeding practices, via area or individual population differences.
Effective food
policy actions are part of a comprehensive approach to improving nutrition environments, defined as those
factors that influence food access.1 Improvements in the nutritional quality of all foods and beverages served and sold in schools have been recommended to protect the nutritional health of children, especially children who live in low - resource communities.2 As legislated by the US Congress, the 2010 Healthy Hunger - Free Kids Act (HHFKA) updated the meal patterns and nutrition standards for the National School Lunch Program and the School Breakfast Program to align with the 2010 Dietary Guidelines for Americans.3 The revised standards, which took effect at the beginning of the 2012 - 2013 school year, increased the availability of whole grains, vegetables, and fruits and specified weekly requirements for beans / peas as well as dark green, red / orange, starchy, and
other vegetables.
Other unreported pull
factors, emerging in recent years, fail to receive the attention they deserve in news reports or
policy approaches to irregular South - North movement.
Distinguishing between traffic generated exclusively from the expansion of the road network (induced demand) and that resulting from
other demand
factors is of crucial importance to properly designed transport
policies.
Opponents claimed that it would lead to a poorly co-ordinated economic
policy and could potentially lead to conflict in fiscal and monetary
policy aims, resulting in particular from an over-emphasis in setting rates to meet inflation targets at the expense of
other factors such as the exchange rate.
The Empire Center for Public
Policy, a think tank that tracks public pension costs, said Silver's pension may be as high as $ 98,000 if additional
factors such as his pre-Albany experience as a New York City Civil Court clerk and
other service credits are included.
As Gov. Andrew Cuomo considers an endorsement of Sen. Mark Grisanti, a Republican who supported same - sex marriage legalization in 2011, the Buffalo lawmaker's
other policy stances may be a complicating
factor.
Nevertheless, in my view, it is impossible to avoid the conclusion that the conjunction of resource, population and
policy pressures, particularly in the second half of 2013 - 14 and particularly in adult male prisons, was a very significant
factor for the rapid deterioration in safety and
other outcomes we found as the year progressed.»
Speaking at Hay literary festival on Monday, Lady Warsi — the Conservative peer and first Muslim in a British cabinet — said government
policy was currently too focused on ideology as the sole cause of radicalisation, and not on
other factors, including upbringing and drug and gang culture.
Analysts at Cowry Asset Management, a Lagos based investment house, expressed discomfort at the
policy reversal which they believe fell short of capturing
other factors that would have made it achieve desired results.
Dr Akoto said the smuggling of cocoa and its subsidised inputs into neighbouring countries as a direct consequence of the input distribution system and the product pricing
policies of the government, as well as the refusal of the government to pay annual production bonuses to farmers, was the
other factor inhibiting growth in the cocoa sub-sector.
«While we fully understand that policymakers must integrate the best available scientific data with
other factors when developing
policies, we think it would be unfortunate if policymakers became the arbiters of scientific information and circumvented the peer - review process,» the AAAS Board says.
Josef Schmidhuber, a senior
policy analyst at the U.N. Food and Agriculture Organization, questioned some of the underlying assumptions for regional production figures and said that this UEF study also fails to consider
other external
factors that could affect these results.
► This week's issue of Science also includes a brief recap of the 40th annual AAAS Forum on Science and Technology
Policy, attended by «more than 400 elected officials, government and business leaders, researchers, educators, and
others» on 30 April and 1 May in Washington, D.C. «The importance of basic research for the nation's scientific and economic future was a recurring theme,» and «participants delved into the
factors driving the tight budget environment» scientists are currently facing.
The broad pattern is that climate and energy issues are highly politicized, whereas issues tied to biomedical science, food safety and space
policy often are strongly tied to
other, nonpolitical,
factors.
However, according to stated NIH
policy, «NIH may consider
other eligibility
factors relating to the applicant's ability to responsibly handle and account for Federal funds and to carry out the project.