Sentences with phrase «substantial business changes»

These programs appear to be marketing illusions rather than substantial business changes.

Not exact matches

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

If these changes go through, there are many scenarios where a typical middle - class, family - run business from which the owners draw a salary of $ 100,000 could see a substantial — 20 to 50 per cent — increase in tax paid.

In addition, it is possible that future orders issued by, or enforcement actions initiated by, regulatory authorities could cause us to incur substantial costs or require us to change our business practices in a way that could seriously harm our business.

«We grew EBITDA 104 per cent to # 17.3 million, the business continues to grow very strongly and future cashflow forecasts are also strong, but the announcement of substantial investment in delivery services is a material change to the original assumptions when it was purchased.,» he said.

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.

One of the Brambles overseas - based directors, George El - Zoghbi, has had a substantial change in his own day - to - day role at food giant Kraft Heinz, where he had been chief operating officer of the US commercial business.

Some of these rules will represent substantial changes in the way business has been conducted.

But Bruce has urged everyone to move on and focus on getting straight back down to business, and that includes supporters who feel they've been short - changed by Bent's move despite the club receiving a substantial fee in return for Bent's services.

But what comes through the pages of Hearts and Minds is Oliver's ability to carry out substantial research to get at the truth of how to implement or change policy, and impartiality to motivate able people — politicians, civil servants and business types to enthusiastically help him.

The Bill also contains clauses paving the way for Making Tax Digital, substantial changes to the rules for fulfilment businesses and a range of anti-avoidance measures, including penalties for enablers of avoidance schemes.

Businesses will be faced with too many changes simultaneously and the Government should consider relaxing the MTD timetable to reduce the impact on businesses at this critical time; · Argues for a «light» regulatory touch to ease the many SMEs who have never prepared documents for a Customs exit or entry clearance; · Urges the Government to follow through on the Autumn Budget 2017 promise that it will recognise the importance of postponed accounting arrangements; 3 · Emphasises the need for HMRC to get the substantial extra resources they need to cope wiBusinesses will be faced with too many changes simultaneously and the Government should consider relaxing the MTD timetable to reduce the impact on businesses at this critical time; · Argues for a «light» regulatory touch to ease the many SMEs who have never prepared documents for a Customs exit or entry clearance; · Urges the Government to follow through on the Autumn Budget 2017 promise that it will recognise the importance of postponed accounting arrangements; 3 · Emphasises the need for HMRC to get the substantial extra resources they need to cope wibusinesses at this critical time; · Argues for a «light» regulatory touch to ease the many SMEs who have never prepared documents for a Customs exit or entry clearance; · Urges the Government to follow through on the Autumn Budget 2017 promise that it will recognise the importance of postponed accounting arrangements; 3 · Emphasises the need for HMRC to get the substantial extra resources they need to cope with Brexit.

We are also deeply disappointed to have to take a further substantial write - down in our aluminium businesses, albeit in an industry that continues to experience significant adverse changes globally.

We know that female entrepreneurs, especially in Asian and South Asian communities, are on the rise and are increasingly featuring amongst the world's business elite on rich lists and at business award ceremonies, yet substantial changes need to be made in how this entrepreneurial talent is nurtured and developed if women are to prosper and gain as much of the limelight and recognition as male business leaders.

For his part, Donahoe said cost reductions have been made in the past, but until real and substantial changes that will allow the Postal Service to act more like a business, issues like office closures will continue in the future.

As written, the bill says that to sue you have to first contact the business, give the business two months just to respond, and another four months to show substantial progress toward changing a physical barrier.

The Finance Department says businesses will have until Dec. 31, 2018, to adjust to the changes, which include new qualification rules for family members — such as substantial capital investments as well as minimums for age and the number of hours worked.

Climate change will have increasingly bad impacts if business as usual continues without substantial mitigation efforts.

However, Australia can not just rely on business action if we are to achieve the substantial emissions reductions needed to avoid dangerous climate change.

«As well as being a substantial business opportunity, we recognise that climate change also represents a significant threat to our operations and have put metrics in place to inform future adaptation strategies.

It showcased the substantial commitments from cities, businesses and community organisations on tackling climate change.

The Guardian's Dana Nuccitelli debunked the claim that China's climate change commitment allows it to maintain a «business - as - usual» approach, noting that curbing «rising carbon emissions as China's economy continues to grow will require substantial effort.»

Tim Lambert links to this article by Eric Pooley in Slate's The Big Moneye which points out that, for all the disagreement among economists regarding the details of climate change policy, there is substantial consensus on the following main points (i) the cost of action to stabilise atmospheric concentrations of CO2 and other greenhouse gases will be of the order of 1 per cent of GDP (ii) a strong mitigation policy is preferable to business as usual

The results suggest substantial reductions in the country's greenhouse gas emissions when these two policy changes are jointly implemented (relative to business - as - usual baseline scenario).

«SSE has demonstrated true business leadership in the fight against climate change, their new solar tariff will make a substantial difference to the UK solar industry and solar customers alike.

Act 2 made substantial changes to Wisconsin's existing product liability law to ensure that Wisconsin businesses do not suffer a competitive disadvantage.

Old ways of doing business do not work anymore and the industry is being forced to make substantial structural changes.

You have to credit the guy with dominating his niche but I couldn't help wondering what would happen to his business if something substantial changed at Facebook, or if some of his readers would feel «used» if they understood some of the myriad tactics some of these sites routinely use, via Facebook, to drive their own affiliate revenues.

Bitcoin exchanges, on the other hand, will be able to continue operating, since Bitcoin exchanges are not «financial institutions» or «payment institutions», and most of them will not need to make any substantial changes to the way that their businesses operate.

«The changes to come over the next 10 years will be less visible than the global financial crisis or the bursting of the dot - com bubble — and yet their impact on banking's economics and even fundamental business models will be much more substantial,» McKinsey claims.

The only way to have substantial profits beyond the norm would be to change the business model of the brokerage.

Brock has the unique ability to understand how today's rapidly changing technologies can be used to expand our business and ultimately drive substantial value to our customers.»

79 DOS 99 Matter of DOS v. Pagano - disclosure of agency relationships; failure to appear at hearing; proper business practices; unauthorized practice of law; unearned commissions; vicarious liability; fraudulent practice; jurisdiction; ex parte hearing may proceed upon proof of proper service; DOS has jurisdiction after expiration of respondents» licenses as acts of misconduct occurred and the proceedings were commenced while the respondents were licensed; licensee fails to timely provide seller client with agency disclosure form prior to entering into listing agreement and fails to timely provide agency disclosure form to buyer upon first substantive contact; broker fails to make it clear for which party he is acting; broker violates 19 NYCRR 175.24 by using exclusive right to sell listing agreement without mandatory definitions of «exclusive right to sell» and «exclusive agency»; broker breaches fiduciary duties to seller clients by misleading them as to buyer's ability to financially consummate the transaction; broker breaches his fiduciary duty to seller by referring seller to the attorney who represented the buyers when he knew or should have known such attorney could not properly protect seller's interests; improper for broker to use listing agreements providing for broker to retain one half of any deposit if forfeited by buyer as such forfeiture clause could, by its terms, allow broker to retain part of the deposit when broker did not earn a commission; broker must conduct business under name as it appears on license; broker engaged in the unauthorized practice of law in preparing contracts for purchase and sale of real estate which did not contain a clause making it subject to the approval of the parties» attorneys and were not a form recommended by a joint bar / real estate board committee; broker demonstrated untrustworthiness and incompetency in using sales contract which purported to change the terms of the listing agreement to include a higher commission; broker demonstrated untrustworthiness and incompetency in using contracts of sale which were unclear, ambiguous, vague and incomplete; broker failed to amend purchase agreement to reflect amendment to increase deposit amount; broker demonstrated untrustworthiness in back - dating purchase agreements; broker demonstrated untrustworthiness in participating in scheme to have seller hold undisclosed second mortgage and to mislead first mortgagee about the purchaser's financial ability to purchase; broker demonstrated untrustworthiness by claiming unearned commission and filing affidavit of entitlement for unearned commission; DOS fails to establish by substantial evidence that respondent acted as undisclosed dual agent; corporate broker bound by the knowledge acquired by and is responsible for acts committed by its licensees within the actual or apparent scope of their authority; corporate and individual brokers» licenses revoked, no action taken on application for renewal until proof of payment of sum of $ 2,000.00 plus interests for deposits unlawfully retained