Sentences with phrase «which change from year to year»

Companies rate factors different, so variables — such as road construction, crime rates and accident frequency in your city, which change from year to year — can make a difference in the way a company would quote a policy.

But there are a wide variety available which change from year to year.

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.»

The issue stems, in part, from year - old changes to Canada's express entry system which makes it impossible for someone in the PGWPP program to gain express entry without a Labour Market Impact Assessment, as chronicled by Nicholas Keung:

What is not yet clear is whether Trump plans to initiate a formal withdrawal from the Paris accord, which under the terms of the agreement could take three years, or exit the underlying U.N. climate change treaty on which the accord was based.

Furthermore, the strains of flu virus that are most prevalent change from year to year, which is why new flu vaccines must be formulated almost annually.

Actual results and the timing of events could differ materially from those anticipated in the forward - looking statements due to these risks and uncertainties as well as other factors, which include, without limitation: the uncertain timing of, and risks relating to, the executive search process; risks related to the potential failure of eptinezumab to demonstrate safety and efficacy in clinical testing; Alder's ability to conduct clinical trials and studies of eptinezumab sufficient to achieve a positive completion; the availability of data at the expected times; the clinical, therapeutic and commercial value of eptinezumab; risks and uncertainties related to regulatory application, review and approval processes and Alder's compliance with applicable legal and regulatory requirements; risks and uncertainties relating to the manufacture of eptinezumab; Alder's ability to obtain and protect intellectual property rights, and operate without infringing on the intellectual property rights of others; the uncertain timing and level of expenses associated with Alder's development and commercialization activities; the sufficiency of Alder's capital and other resources; market competition; changes in economic and business conditions; and other factors discussed under the caption «Risk Factors» in Alder's Annual Report on Form 10 - K for the fiscal year ended December 31, 2017, which was filed with the Securities and Exchange Commission (SEC) on February 26, 2018, and is available on the SEC's website at www.sec.gov.

Whole Foods hired the advisory firm Evercore Partners earlier this year to defend itself from pressure by activist shareholder Jana Partners, which announced in April it had amassed an 8.3 percent stake and pushed for changes to the Whole Foods board of directors.

That's an apt description of Fluid Life, which in the past eight years has changed its core offering (moving from increasingly commoditized testing services to include a suite of consulting activities), expanded its Brampton, Ont.

It's Microsoft's most important franchise for the Xbox, and even though it's changed hands from Bungie to Microsoft - owned 343 Industries, the development team has twice shown us it's capable of Master Chief's mantle: first in 2012 with «Halo 4,» and this year with «The Master Chief Collection,» which remastered and remixed the first four major titles with new graphics and interesting gameplay additions like playlists.

That changed about three years ago when Kraft, which had owned Oscar Mayer since 1988, began to feel its own financial pressures and installed corporate executives from the head offices in Illinois.

NextGen Climate, which has a well - funded super PAC dedicated to electing lawmakers dedicated to halting climate change, launched a «text - banking» voter - turnout program late last year that attempted to motivate potential voters to show up to vote by sending personalized texts from actual organizers encouraging recipients to respond and start a dialogue.

Secondly, there could be changes to the Optional Practical Training program, which gives foreign graduates from U.S. colleges in science and tech an additional two years of work authorization.

Last year, the figure was 333,000, of which 184,000 came from the E.U. Even if you accept, as most do, that immigration has expanded the tax base and kept the price of both food and services down, the influx — for which there is no end in sight — is changing the face of the country too fast for the population to stomach, and the E.U.'s rules on free movement of labor are an easy target.

It's a major change for Facebook, which over the years has shifted from being a social networking service connecting friends and family to one of the world's biggest distributors of news and online ads.

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).

2 The percentage change has been calculated using actual exchange rates in use during the comparative prior year period to enhance the visibility of the underlying business trends by excluding the impact of translation arising from foreign currency exchange rate fluctuations, which is considered a non-GAAP financial measure.

This comes after a year in which ALEC, with help from groups like the Heartland Institute, a libertarian think tank skeptical of climate change, failed in all of their coordinated attempts to roll back renewable portfolio standards (RPSs).

Factors that could cause or contribute to actual results differing from our forward - looking statements include risks relating to: failure of DBRS to rate the Notes at the anticipated ratings levels, which is a closing condition, or at all; changes in the financial markets, including changes in credit markets, interest rates, securitization markets generally and our proposed securitization in particular; the willingness of investors to buy the Notes; adverse developments regarding OnDeck, its business or the online or broader marketplace lending industry generally, any of which could impact what credit ratings, if any, are issued with respect to the Notes; the extended settlement cycle for the scheduled closing on April 17, 2018, which may exacerbate the foregoing risks; and other risks, including those described in our Annual Report on Form 10 - K for the year ended December 31, 2017 and in other documents that we file with the Securities and Exchange Commission from time to time which are or will be available on the Commission's website at www.sec.gov.

These things don't change a ton from year to year — there's a shortfall out there in a few decades and the fixes for it are known — which is not to say they're easy.

Inadequate flood protection infrastructure, which right now might not contain high tides in El Nino years; Lack of action on annual sediment removal from spring freshets, which each year move over 30 million m3 of sediment and leave about 3 million m3 of silt in the navigation and secondary channels of the lower reaches; and, By the end of this century sea levels at the mouth of the river could potentially rise more than one meter due to climate change overtopping the diking system.

Over a year which has seen large banks halt funding for fossil fuel projects, major institutions divest from oil, gas and coal holdings, and oil companies snap up power and renewables companies in a bid to diversify their asset base, research published today by the UK Sustainable Investment and Finance Association (UKSIF) and the Climate Change Collaboration suggests nervousness over climate risk has shot up in financial circles.

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.

The U.S. Index is once again available in an online, interactive web tool format, which makes it easy to see how various metrics change from year to year.

However, if the ordinary shares or ADSs are treated as traded on an «established securities market» and you are either a cash basis taxpayer or an accrual basis taxpayer that has made a special election (which must be applied consistently from year to year and can not be changed without the consent of the IRS), you will determine the U.S. dollar value of the amount realized in a non U.S. dollar currency by translating the amount received at the spot rate of exchange on the settlement date of the sale.

However, he said the MLS home price index composite benchmark, which strips out the impact of changes in the mix of home sales, was down 5.2 % compared with a year ago and the number of new listings in April had plunged to 16,273, a 24.6 % decrease from the 21,571 listings seen last year at the same time.

While most U.S. companies stand to benefit from the sweeping tax changes implemented early this year, markets may be overlooking a critical distinction: the different manner in which businesses will spend that windfall.

To summarize, this unbiased report was produced by an organization, who has as its board member, the proponent of the research who also happens to be the CEO of the Crown Corporation which is proposing the radical changes, furthermore, this CEO was also the president and CEO of a company that has a private sector mail service that may benefit from these changes, and he is paid close to 520K per year by the Crown / governor in council who appointed him, of an organization that is fasely reporting losseTo summarize, this unbiased report was produced by an organization, who has as its board member, the proponent of the research who also happens to be the CEO of the Crown Corporation which is proposing the radical changes, furthermore, this CEO was also the president and CEO of a company that has a private sector mail service that may benefit from these changes, and he is paid close to 520K per year by the Crown / governor in council who appointed him, of an organization that is fasely reporting losseto be the CEO of the Crown Corporation which is proposing the radical changes, furthermore, this CEO was also the president and CEO of a company that has a private sector mail service that may benefit from these changes, and he is paid close to 520K per year by the Crown / governor in council who appointed him, of an organization that is fasely reporting losseto 520K per year by the Crown / governor in council who appointed him, of an organization that is fasely reporting losses.

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.

In recent years, inflation's been pretty low, averaging 1.26 percent in 2016, based on the year - over-year change in the Consumer Price Index, which tracks prices for common items from gas to ground beef.

(1) employment growth, sourced from the Bureau of Labor Statistics Economic Summaries in August 2016, with the percentage representing the employment change from June 2015 to June 2016 in each city; (2) population growth, based on and sourced from the 2014 and 2015 Census, with the percentage representing the change in population from 2014 to 2015; (3) increase in home values, based on Zillow Home Value, with the percentage representing the change in median home values for single - family homes from June 2015 to June 2016, sourced August 2016; (4) years to pay off property, which was based using the median home value for July 2016 and the median rent for a single - family residence for July 2016, both sourced from Zillow; median rent was multiplied by 12 to obtain yearly rent and then home value was divided by yearly rent to determine how many years it would take for the home to be paid off from rental income using current home values and rent prices for each city.

The fossil record which shows millions of years of stable species, then an explosion of necessarily mutations, all occurring at the precise necessary time required for complex organisms to develop, and ALL escaping fossilization «the sudden appearance of most species in the geologic record and the lack of evidence of substantial gradual change in most species — from their initial appearance until their extinction — has long been noted, including by Charles Darwin who appealed to the imperfection of the record as the favored explanation» — Wikipedia

Dimitri Cavalli, source of many WWAI items over the past few years and author of the Washington Examiner story from which these quotes are taken, explains the change this way: Back then, Lynn was defending progressive causes, but now that «the so - called Religious Right has eclipsed the influence of the Religious Left in American public life,» it's time to shut down religious influence.

-- We all came from apes which over millions of years changed so much as to make humans with all the different racial characteristics that we have today.

There the life of the nation has been molded by ancestor - worship to a cohesion which has outlived the changes of 5,000 years; and Christianity, when it demands that a man surrender that, demands that he become an outlaw from his own nation.

Now this may be changing in the past 9 years (I don't really know to be honest)... but the moniker for many a church was «be holy — seperate from the world»... which this cartoon is portraying.

(If a considerable number of Psalms go back to the prophetic period or earlier, as some modern critics hold (in opposition to the view which prevailed thirty years ago), then there is additional support for the view that there was no such radical change from collective to individual conceptions at the Exile as has often been asserted.

The evidence science (which by definition is in complete contradiction to your god) provides us is physical and constantly changing... the evidence that you foolishly fall for is from a book dated back 2000 years ago and has not changed!!

The man he thinks he's hitting isn't the man trying to save him from drink, but a preacher from many years before, who angrily told him that the only sin from which there is no redemption is the rejection of God's love — of believing oneself a sinner who can not be changed or redeemed.

To love included not only the vagaries of circumstances — annoyance, anger, pleasure, laughter — but the growth from a childhood emotion, through all the changing years of becoming womanhood, to that which finally emerged in these last twenty years as an ever - deepening friendshiTo love included not only the vagaries of circumstances — annoyance, anger, pleasure, laughter — but the growth from a childhood emotion, through all the changing years of becoming womanhood, to that which finally emerged in these last twenty years as an ever - deepening friendshito that which finally emerged in these last twenty years as an ever - deepening friendship.

It seems that this time of year I drag my feet a little bit as the weather changes, routine morphs, and even the sun starts to set earlier... which is why the extra Vitamin D from the Silk almond milk is definitely helpful!

I find myself purchasing it more often these days, and was happy when my friend Bev shared this recipe with me from Whole Living last year which I changed up slightly with what I had in my own kitchen to create these Asian Stuffed Napa Cabbage Rolls.

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.

Early along he did that uncool stuff — got into a bar fight, changed the pronunciation of his name from DOR - sett to Dor - SETT (which is how a buddy said they said it in France), told folks he'd be quitting football after five years to go into acting full time, had «TD» painted on the doors of his Lincoln Continental.

Nonetheless, despite being classed as homegrown at present, if new regulations come into play — in which players must have been affiliated to the FA or FAW for three years prior to their 18th birthday, changed from their 21st — Song's status as homegrown will therefore be removed.

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

guys obviously your both passionate Arsenal fans and your both right in what you say but i have to agree with @Nothing changed, up until three years ago when we made new contracts with our sponsors which put us up there financially with the elite of Europe but the quality or quantity of signings did not match the finances, lets not forget we made a profit from sale of players against buying players and add that to your annual profits that's not acceptable, its a load of bull that we couldn't sign Lamar on time we had almost three months to do so, and regarding playing sexy football, what happen to it?

The NCAA performance is powered by those two things reversing (no idea how Mann's doing it), and the defense finally clicking, which is a huge change from what's been largely an awful defensive year, and something that I think you can probably give props to the whole coaching staff for.

This is an incredibly difficult question to answer for a variety of reasons, most importantly because over the years our once vaunted «beautiful» style of play has become a shadow of it's former self, only to be replaced by a less than stellar «plug and play» mentality where players play out of position and adjustments / substitutions are rarely forthcoming before the 75th minute... if you look at our current players, very few would make sense in the traditional Wengerian system... at present, we don't have the personnel to move the ball quickly from deep - lying position, efficient one touch midfielders that can make the necessary through balls or the disciplined and pacey forwards to stretch defences into wide positions, without the aid of the backs coming up into the final 3rd, so that we can attack the defensive lanes in the same clinical fashion we did years ago... on this current squad, we have only 1 central defender on staf, Mustafi, who seems to have any prowess in the offensive zone or who can even pass two zones through so that we can advance play quickly out of our own end (I have seen some inklings that suggest Holding might have some offensive qualities but too early to tell)... unfortunately Mustafi has a tendency to get himself in trouble when he gets overly aggressive on the ball... from our backs out wide, we've seen pace from the likes of Bellerin and Gibbs and the spirited albeit offensively stunted play of Monreal, but none of these players possess the skill - set required in the offensive zone for the new Wenger scheme which requires deft touches, timely runs to the baseline and consistent crossing, especially when Giroud was playing and his ratio of scored goals per clear chances was relatively low (better last year though)... obviously I like Bellerin's future prospects, as you can't teach pace, but I do worry that he regressed last season, which was obvious to Wenger because there was no way he would have used Ox as the right side wing - back so often knowing that Barcelona could come calling in the off - season, if he thought otherwise... as for our midfielders, not a single one, minus the more confident Xhaka I watched played for the Swiss national team a couple years ago, who truly makes sense under the traditional Wenger model... Ramsey holds onto the ball too long, gives the ball away cheaply far too often and abandons his defensive responsibilities on a regular basis (doesn't score enough recently to justify): that being said, I've always thought he does possess a little something special, unfortunately he thinks so too... Xhaka is a little too slow to ever boss the midfield and he tends to telegraph his one true strength, his long ball play: although I must admit he did get a bit better during some points in the latter part of last season... it always made me wonder why whenever he played with Coq Wenger always seemed to play Francis in a more advanced role on the pitch... as for Coq, he is way too reckless at the wrong times and has exhibited little offensive prowess yet finds himself in and around the box far too often... let's face it Wenger was ready to throw him in the trash heap when injuries forced him to use Francis and then he had the nerve to act like this was all part of a bigger Wenger constructed plan... he like Ramsey, Xhaka and Elneny don't offer the skills necessary to satisfy the quick transitory nature of our old offensive scheme or the stout defensive mindset needed to protect the defensive zone so that our offensive players can remain aggressive in the final third... on the front end, we have Ozil, a player of immense skill but stunted by his physical demeanor that tends to offend, the fact that he's been played out of position far too many times since arriving and that the players in front of him, minus Sanchez, make little to no sense considering what he has to offer (especially Giroud); just think about the quick counter-attack offence in Real or the space and protection he receives in the German National team's midfield, where teams couldn't afford to focus too heavily on one individual... this player was a passing «specialist» long before he arrived in North London, so only an arrogant or ignorant individual would try to reinvent the wheel and / or not surround such a talent with the necessary components... in regards to Ox, Walcott and Welbeck, although they all possess serious talents I see them in large part as headless chickens who are on the injury table too much, lack the necessary first - touch and / or lack the finishing flair to warrant their inclusion in a regular starting eleven; I would say that, of the 3, Ox showed the most upside once we went to a back 3, but even he became a bit too consumed by his pending contract talks before the season ended and that concerned me a bit... if I had to choose one of those 3 players to stay on it would be Ox due to his potential as a plausible alternative to Bellerin in that wing - back position should we continue to use that formation... in Sanchez, we get one of the most committed skill players we've seen on this squad for some years but that could all change soon, if it hasn't already of course... strangely enough, even he doesn't make sense given the constructs of the original Wenger offensive model because he holds onto the ball too long and he will give the ball up a little too often in the offensive zone... a fact that is largely forgotten due to his infectious energy and the fact that the numbers he has achieved seem to justify the means... finally, and in many ways most crucially, Giroud, there is nothing about this team or the offensive system that Wenger has traditionally employed that would even suggest such a player would make sense as a starter... too slow, too inefficient and way too easily dispossessed... once again, I think he has some special skills and, at times, has showed some world - class qualities but he's lack of mobility is an albatross around the necks of our offence... so when you ask who would be our best starting 11, I don't have a clue because of the 5 or 6 players that truly deserve a place in this side, 1 just arrived, 3 aren't under contract beyond 2018 and the other was just sold to Juve... man, this is theraputic because following this team is like an addiction to heroin without the benefits

look we knew chelski would be stronger this season and man city would be up there... we have known for 2 years that we lack a strong DM and a lethal strike force... as with case of ozil the frog has come up with half a solution with sanchez... and which will fail to bring the best from the quality players we have... will he change..