Sentences with phrase «products change from year to year»

Insurance products change from year to year and over time, so if you want to use the benefits, you have to stay current.

Not exact matches

The two CEOs hope that the changes resulting from the merger will be implemented over the next couple of years, creating a «dramatic change» for consumers in which the store will be «not just about products, but also service offerings that can help people on their path to better health.»

By recognizing that the marketplace is changing, Volk - Weiss, in response to that change, has built a 120 - person company that he says grew its revenue (from licensing, streaming, and production fees, product sales, and ad - revenue sharing) more than 100 percent annually over the past three years — and more than 200 percent over the past two.

When CVS wanted to make clear to Wall Street and Main Street it was pivoting its business much more toward to the health industry in 2014, it went as far as changing its name to CVS Health from CVS Caremark, and to drop tobacco products, a $ 2 billion a year revenue generator, from its stores.

When we established AI+R nearly two years ago, our primary goal was to accelerate the adoption of AI innovations from research into product, and the changes we are making today reflect our strong progress.

For a country that has long considered a plain vanilla 25 - year mortgage from a bank to be the foundation of the home - buying industry, the potential changes wrought by these new entrants and product innovations strike some observers as puzzling, and perhaps dangerous.

Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10) financial market risks that may affect the Company's funding obligations under defined benefit pension and postretirement plans; and (11) legal proceedings, including significant developments that could occur in the legal and regulatory proceedings described in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained in our Annual Report on 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this presentation.

While it's too soon to tell if the change will jumpstart birthrates — the number of China babies born last year fell to 16.55 million from 16.87 million in 2014 — a baby boom of sorts is already underway: Consumer spending on infant care products, and particularly online spending in the category, is soaring.

We caution you that these statements are not guarantees of future performance and are subject to numerous risks and uncertainties, including volatility in the economy and the credit markets, supply and demand changes for vacation ownership and residential products, competitive conditions; the availability of capital to finance growth, and other matters referred to under the heading «Risk Factors» contained in the Information Statement filed as an exhibit to our Annual Report on Form 10 - K for the year ended December 30, 2011 filed with the U.S. Securities and Exchange Commission (the «SEC») and in subsequent SEC filings, any of which could cause actual results to differ materially from those expressed in or implied in this presentation.

Changes in a product months or years from now can take many weeks or months to implement because they involve supporting the existing release while making a new one and mapping current data to the new structure while the product is in use.

The government recently made changes to the Canada Health Transfer, reducing the escalator from an annual increase of 6 % per year to a three - year moving average in nominal gross domestic product.

Over the last two years, scientists from the United States, the United Kingdom, and Sweden have examined projections and current data to identify ways in which the dairy industry may respond to challenges such as population growth, urbanisation, and climate change, in order to meet increased demand for dairy products over the next half century.

nice to see you crawl out of your hole just in time to offer your 2 cents worth once again... unlike yourself I started following this team long before Wenger arrived on the scene and will continue to do so long after he's gone... in his earlier years I admired the cerebral elements he brought to the EPL, which at that point was more brutish than beautiful, and I respected the seemingly tireless efforts of Arsene, Dein & staff to uncover and develop talent without sacrificing the product on the field... likewise I appreciated that such a youthful manager wasn't afraid to bring strong personalities and / or world - class players into the fold without being fearful of how said players would potentially undermine and / or dilute his authority... unfortunately this all changed about 10 years ago and culminated in the removal of all our greatest players, both young and old, without any real replacements coming in... from Henry to RVP to Fabergas and Nasri, it was easy to see that this club was no longer interested in competing at the highest levels... instead of being honest, minus the ridiculous claims regarding the new stadium, Wenger chose to side with management and in doing so became the «front man» for this corporation pretending to be a world - class soccer club... without the «front man» this organization would have been exposed numerous years earlier, so his presence was imperative if the facade was to continue... it's for this reason and more that I despise what this once great man and Kroenke has done to my beloved club... the gutless, shameful and manipulative way they have treated the fans, like myself, is largely indefensible and this is why I felt it necessary to start offering my opinion in a public format... trust me, I resisted the temptation for many years but as long as the same shit continues to exist I will voice my opinions and if you don't like it maybe you should look for a different team to pretend to follow

After a year we started getting requests from retailers to carry our products and after much consideration decided to change our business model to accommodate wholesale accounts.

Remember that baby items change a lot from year to year, as does the number of product safety recalls.

This victory was years in the making - the product of grassroots support from New Yorkers in all five boroughs who responded to the excesses of stop - and - frisk, and the surveillance of Muslim communities, with a forceful call for change.

The current average development time for agricultural products ranges from 10 to 20 years, which makes forecasting grower needs challenging, and the rate of change is accelerating, he says.

Tattersall explains how epigenetic effects on key genes cascade to produce radical morphological changes in an eye blink, and why our unusual thinking style, far from being the perfected product of long - term selective pressures, was bootstrapped out of existing abilities barely 100,000 years ago.

Inhaling small particles from cleaning products for years on end can irritate the mucus membranes in the lungs and cause changes to your airways and the way you breathe.

A manufacturer may also change the formulation of a product from one year to the next.

Focusing on content and products sure to change the game, now and in the future, helps to support the community of educators and innovators that attend each year and it's the commitment, innovation and dedication from educators that makes the biggest difference to pupils.

Until then, expect the new F - 150 to be sold side - by - side with the current truck for a year, as it takes that long for Ford to change over its truck plants from the old product to the new.

Based on what I can tell and from what I've heard, the Fleet and Commercial Product Preview for 2001 doesn't spell out every change coming to GM's cars and trucks for the 2001 model year, but there are some tantalizing bits of information.

The format was changed last year from judging members» products to a focus on promotion.

«Under direction from President Akio Toyoda to make all its products more fun to drive, Toyota's ol' reliable Camry tried to stretch the envelope with cosmetic changes for the 2015 model year.

Change: I have been working hard over the last 4 years to move myself from being an active freelance designer to more of a product developer, creator and marketer.

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 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 the SEC.

«Much has changed in the last 10 years with product designs, industry standards and new technology all working together to help retirement plans and participants access structured lifetime income,» argues a new white paper from the Institutional Retirement Income Council (IRIC).

How do we prove that the new science diet truly change the ingredients and not just saying what we want to see and hear on labels I have been buying this product for over ten years and is now wondering if this is what made my first dog die from and why my second dog bowels is messed up.

That card usually comes with an annual fee of $ 195 but due to federal regulations, if you product change from the Red to the Silver, you can still retain the lower annual fee (at least for a year).

This means that if I cancel or even downgrade or product change my Citi Premier to avoid the annual fee, I'll reset the clock and have to wait two years before I can receive another sign - up bonus from a Thankyou Point earning card like the Citi Prestige.

Citi stated that they will make a decision by the end of the year if they will merely product change customers from their cards or sell off their portfolio to American Express.

Climate change doubters in those years were taking a page from the fight against the regulation of tobacco products, urging newspapers and radio and television networks to provide «balance» in their reporting of the science.

Mark Summerfield, CEO of Co-op Insurance said: «We were one of the first businesses to recognise and respond to the impacts of climate change, since then we have reduced our greenhouse gas emissions from our operations, purchased renewable electricity and have offset more than a million tonnes of carbon since we first introduced carbon offsetting on our products 10 years ago»

Finally onto point # 2 from above, not only can one adapt to a change similar to 1920's - > 1930's natural change over a ten year time span, we can also succesfully hold down temperatures with aerosols (if you're skeptical of this, you can't blame the current flat line on China's coal then, because we can surely do aerosols better when they are a deliberate end, rather than as an unintended by - product.)

Each year, ISO New England receives and relies upon an analysis of regional, and state - level, macroeconomic indicators from Moody's Analytics, who forecast changes to the region's gross domestic product, employment, housing stock, and population.

Over the next 3 years the Ocean Colour Climate Change Initiative project aims to: Develop and validate algorithms to meet the Ocean Colour GCOS ECV requirements for consistent, stable, error - characterized global satellite data products from multi-sensor data archives; Produce and validate, within an R&D context, the most complete and consistent possible time series of multi-sensor global satellite data products for climate research and modelling; Optimize the impact of MERIS data on climate data records; Generate complete specifications for an operational production system; Strengthen inter-disciplinary cooperation between international Earth observation, climate research and modelling communities, in pursuit of scientific excellence.

GRIDA 01/07/08 Projected agriculture in 2080 due to climate change The GRID - Arendal Maps & Graphics Library is an on - going project to collect and catalogue all graphic products that have been prepared for publications and web - sites from the last 15 years in a wide range of themes related to environment and sustainable development.

A 162 - year - old legal publishing company is changing its name to reflect its evolution from print publications to digital products and services.

735 ILCS 5/13-213 (c): Alteration, modification or change No product liability action based on any theory or doctrine to recover for injury or damage claimed to have resulted from an alteration, modification, or change of the product unit after the date of first sale, lease, or delivery of possession of the product unit to its initial user, consumer, or other nonseller may be limited or barred by subsection (b) if the action is commenced within the applicable limitation period; and, in any event, within 10 years from the date the alteration, modification, or change was made, unless defendant expressly has warranted or promised the product for a longer period and the action is brought within that period.

The ongoing changes in ownership in legal publishing can leave customers feeling like they are the last thing the owners care about; that the product is another profitable widget from which large margins can be extracted... There was, thirty years ago, a relationship of service between publisher to purchaser; now it is a sales person trying to flog a title of which s / he knows little and cares less, as long as the sale is made.

Ohioans have some of the lowest insurance premiums in the United States, but from year to year, they may change based on a number of factors that insurance companies take into account when developing a rating plan for a specific insurance product.

The customer has the flexibility to book notional profits or switch from equity to bond or money market instruments and vice versa without any change in the product besides also offering partial withdrawals post completing the lock in of 5 years.

When, without warning or announcement, West Coast Life changed their conversion option from a lifetime guarantee product to a universal life with a 10 year guarantee it caught everyone's attention, especially those who were looking at possible conversions.

This one isn't too tough for them to swallow because they understand that they will be paying out the full death benefit within a year and since the product has changed with most companies from a privilege to a loan, they actually make money on the deal.

In breaking news, Google announced that it was going to change its financial products policies from June of this year.

• Successfully met self and company sales targets by a 100 % between the years 2010 and 2015 • Consistently maintained sales volumes, product mixes and selling prices by keeping current with supply and demand and changing market trends • Increased customer base from 3500 to 6100 within 8 months by employing strategic sales initiatives • Trained a total of 102 sales officers and support staff members within a short time span of 3 years • Designed and implemented a strategic business plan, resulting in expanding the company's customer base by 58 % • Retained the company's top 15 customers in the wake of strict competition, by devising and presenting them with discount options • Developed and implemented a sales forecast system, that dynamically calculated future sales and constraints • Identified 3 emerging markets as potential for growth, resulting in the company's expansion in the industry • Successfully generated a lead of 52 corporate accounts, out of which 50 were realized as high business giving customers • Increased customers» interest in new product lines by successfully generating ideas for sales contests