You'll be surprised to know that the share of group insurance
policies in effect in the year 2013 was 41 %.
This is
the policy in effect in many communities where a dog is not considered to be a problem until it has bitten on two occasions.
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.
The price
effect for the division was a negative 0.4 % but is up around 2.5 % excluding molecular sieves, reflecting the Group's
policy to pass on the increase
in raw materials costs
in its sales prices.
The net
effect of the Ontario government's new
policy is to subsidize jobs
in an already strong labour market, increase the wages of already high - income workers and give hundreds of millions of dollars
in corporate welfare to one of the largest and most profitable companies
in the world.
Monetary and fiscal
policies can help to buffer some of these
effects, and help speed up the process by fostering growth
in other sectors of the economy, but the adjustment must ultimately take place.»
When monetary
policy diverges
in the two countries (even slightly) Canada feels the
effects.
Aspects of the law, including provisions for young people to be covered by a family
policy until age 26, went into
effect in 2010 and 2011, before the full rollout of the ACA
in 2014.
Nearly 4 million U.S. jobs have been lost since NAFTA took
effect and since China entered the World Trade Organization
in 2001, according to Robert E. Scott, director of trade and manufacturing
policy research at the Economic Policy Institute, a nonpartisan think tank in Washington
policy research at the Economic
Policy Institute, a nonpartisan think tank in Washington
Policy Institute, a nonpartisan think tank
in Washington, D.C.
Its own «Buy» button was referenced this week
in an announcement on the social network's latest privacy
policy update (which goes into
effect on Jan. 1).
The countries have been discussing technical details such as the phase -
in period for the
policy to take
effect and other variables of the new formula.
One of the things the FCC gained with its newfound power was,
in effect, authority over ISPs» privacy
policies.
Where any direct conflict exists between these Terms of Service, or any Additional Terms, and the applicable Privacy
Policy the terms of the Privacy
Policy shall take precedence; however provisions unique to these Terms of Service (e.g., arbitration) will remain
in effect as outlined here.
If those efforts fail, by using our Site or other online service, you agree that any complaint, dispute, or disagreement you may have against NBCUniversal, and any claim that NBCUniversal may have against you, arising out of, relating to, or connected
in any way with these Terms of Service, our Privacy
Policy, or any NBCUniversal Transactions or Relationships shall be resolved exclusively by final and binding arbitration («Arbitration») administered by JAMS or its successor («JAMS») and conducted
in accordance with the JAMS Streamlined Arbitration Rules And Procedures
in effect at the time the Arbitration is initiated or, if the amount
in controversy exceeds $ 100,000,
in accordance with the JAMS Comprehensive Arbitration Rules And Procedures then
in effect (respectively, the «Applicable Rules»).
«While the ultimate
effects on income levels and distribution are not inevitable, they depend substantially on government
policies, on the way companies choose to organize work, and on decisions by individuals to invest
in learning new skills and seeking new types of work and income opportunities,» the Stanford study noted.
Policy decisions by Saudi authorities, including which of Aramco's huge selection of assets will be included
in the share sale, will have a big
effect on the overall price and valuation.
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.
In short, regional policies appear to be politically unacceptable and have unwanted side effects, according to experts in the fiel
In short, regional
policies appear to be politically unacceptable and have unwanted side
effects, according to experts
in the fiel
in the field.
If the original tax base is $ 263 billion and if nothing else changes — the assumption you have to make
in assessing the
effects of a
policy — then this information is enough to put some numbers on the sort of revenues you can expect to generate by an increase
in corporate tax revenues.
The first - ever CNBC / SurveyMonkey Small Business Survey
in June found that 21 percent of small - business owners expect changes
in immigration
policy to have a negative
effect on their businesses.
Earlier this year, Netflix announced an unlimited parental leave
policy, building upon the unlimited vacation
policy that Hastings says has been
in effect for the last «10 or 15 years.»
«The choice of Williams... would
in effect have chosen to prioritize monetary
policy expertise over first - hand experience of financial markets and diversity considerations pushed by some,» wrote Krishna Guha, Fed watcher at ISI Evercore and a former NY Fed official.
«States would have only around 15 months to get new
policies in place to do so before insurers would need to begin developing products for 2020 and only about 27 months before the new rules would have to be
in effect,» Alder and Fiedler wrote as part of an analysis Friday.
But while the systematic patterns of public
policy don't always matter
in the development of the Internet, Guillà © n and Suà ¡ rez discover that conditions for entrepreneurship, such as the ability to raise capital and whether or not the environment is risk - free, do have a consistent
effect.
«If I could summarize what came out of it was, first, there's no thought that changes
in trade
policy should have any
effect on the current outlook.»
But as his win suggests, there is power
in posturing, which can often have a profound
effect regardless of actual
policy change.
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 10 - Q.
Asked
in late June about the
effect sanctuary - city
policies have on efforts to combat transnational organized crime, Flordia Republican Sen. Marco Rubio said he didn't believe getting rid of them would solve the problem such groups posed.
«The preferred solution,
in the opinion of many of these countries, is for the United States to internalize the
effects of its monetary
policies — more specifically, not to exit or at least to do so at a time that is more convenient for others,» Deputy Bank of Canada Governor John Murray recently said
in prepared remarks for a speech about the likely
effects of the end of QE.
Conservative politicians and hawkish economists have at times criticized the Fed's «full employment» mandate
in large part because the main monetary
policy tool, the short - term interest rate, has only an indirect
effect on the labor market.
Many businesses initially opposed the first state paid sick days law
in Connecticut, yet within a few years a survey showed... that an overwhelming majority of businesses reported only small or no
effects on their bottom line, and three - quarters now report being supportive of the new
policy.
The highest
effect we ever find for Canadian trade
policy is
in the case of full unilateral elimination of tariffs for vehicles from all three trading partners — Korea, Japan, and the E.U. — and assuming a restrictive demand system.
Minutes of the Fed's March 20 - 21
policy meeting published this month showed officials expected the annual PCE price indexes to accelerate
in March partly because of «the arithmetic
effect of the soft readings on inflation
in early 2017 dropping out of the calculation.»
«While any direct
effects of remedial trade measures on steel and aluminum are likely to be limited, the risk to the outlook lies
in the response of US trading partners and whether the administration's decision to impose restrictive trade
policies is only the first
in a series of moves,» they wrote.
It could be just enough to «turn off the sequester,» the second tranche of across - the - board cuts that will take
effect in mid-January if Congress doesn't act, says Steve Bell, a former staff director of the Senate Budget Committee now at the Bipartisan
Policy Center.
The overall fiscal
effects of the changes to manufacturing
policy and advanced research are backdated, with a cost of only $ 10 million
in fiscal year 2015 - 16.
The agreement, which came into
effect in January 2017, has already been extended through until the end of this year — with producers scheduled to meet
in June to review
policy.
This is a mixed bag from a public
policy standpoint: Increased marijuana use can have ill
effects on the health of the population but the increased sales bring
in more revenue for the government.
«We had parents telling us things like, «It helped me stay afloat,» «it gave me peace of mind,» «it eliminated stress, and that helps me be more successful,»» says Natalie Wood, a senior
policy analyst at Denver's Bell Policy Center, which conducted a survey of participants in Colorado's slope - effect pr
policy analyst at Denver's Bell
Policy Center, which conducted a survey of participants in Colorado's slope - effect pr
Policy Center, which conducted a survey of participants
in Colorado's slope -
effect program.
However, we also need to envisage a case where the
effects of monetary
policy on financial stability are not limited to one sector, as
in the case we just saw, but spread across many different parts of the financial system.
On the broader economy, Federated's Macro Economic
Policy Committee recently nudged up its forecast for real 2018 GDP growth a tick to 3.0 %,
in part on the anticipated stimulative
effects from tax reform, including increased business and consumer spending.
But none of globalization's
effects on inflation, not even the potential reduction
in inflationary bias, diminish the importance of the principal objective of central banks: setting
policy to achieve low and stable rates of inflation over time.
To measure the natural rate, I use a structural model described
in Cúrdia et al. (2015) and incorporate the
effects of forward guidance — monetary
policy announcements about what path the interest rate is likely to follow.
The fact that declines
in the aggregate US stock markets were about 100 times as much as the gains for steel and aluminium companies illustrates that because the steel using sector dwarfs the steel producing sector, the net
effect of the tariff
policy is to reduce US competitiveness even before considering foreign retaliation.
The boom
in oil and gas production
in the US has profound
effects on the economy and foreign
policy.
But it is also coming ahead of GDPR regulations and the ePrivacy Directive both coming into
effect in Europe, which were already leading to the company making changes to its privacy
policies, even before the Cambridge Analytica scandal even came to light.
These all contribute to the patterns of capital flows and imbalances that we observe
in the world today, and it is very hard to disentangle their
effects from those of exchange rate and monetary
policy arrangements.
As credibility builds over time, monetary
policy does not have to respond to every hint of inflation, knowing that the small fluctuations
in inflation over the course of the cycle will not have any permanent
effects.
(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program,
policy or arrangement (including any «employee benefit plan» as defined
in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined
in Section 3 (2) of ERISA, multi-employer plans, as defined
in Section 3 (37) of ERISA, employee welfare benefit plans, as defined
in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and
policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now
in effect or required
in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.
Under certain conditions, as long as monetary
policy has a larger
effect on inflation than it does on financial stability risk and macroprudential
policy has a larger
effect on financial stability risk than it does on inflation, there would be no need,
in theory, for the agencies responsible to coordinate their actions explicitly.