The Desk's current overnight Securities Lending operation will continue
with no changes to program terms.
Unsurprisingly, some authors and readers are unhappy
with the changes to the program.
Lenders had been hearing bits and pieces of welcome news over the past months of possible condominium approval changes and changes to come for non-borrowing spouses so when it was announced that HUD was issuing a major Mortgagee Letter
with changes to the program, at first lenders and borrowers alike were excited.
If all programs did is increasingly bonus higher revenue fares (United already did
this with changes to their program for 2012) and provide the option to book any seat desired with points at a fixed - value per point based on fare (in parallel to the award chart) this would be no big deal.
I realize that I am in the minority here, but as an Atlanta based Delta frequent flyer, I am pleased
with the changes to the program.
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.
Many customers — who frankly did and would go
to Starbucks
with no loyalty
program just as frequently — are up in arms over their
changing the loyalty
program from per visit
to per dollar spent.
Western Australia's peak industry lobby group has repeated its call for the federal government
to come up
with credible evidence
to support its proposed
changes to the 457 visa
program for temporary s
Audiences»
changing viewing habits are likely one reason for the declining ratings for live award shows like the Oscars, as more and more people cut ties
with the cable packages that are often required
to watch such
programs either on TV or online.
And somehow those meetings lead
to partnering
with a 25 - year veteran of the CIA's Director of Operations, a Lockheed Martin
Program Director for Advanced Systems at Skunk Works, and a former Deputy Assistant Secretary of Defense for Intelligence
to start a company
to explore «exotic science and technologies» and turn innovative ideas into world -
changing products and services.
The
changes, and the culture of regular reinvention that enabled them, earned platinum status in Deloitte's Canada's Best - Managed Companies
program, a recognition given
to firms
with seven or more years on the list.
«This is a year of really being an influence and a
change maker in an amazing city that's really at the forefront of the revitalization efforts in our entire country,» says Greene Groves concluding her pitch for the
program, ending
with a paraphrase of the Michigan governor's pitch for Motor City: «Yeah, you can go
to another city, but if you want
to make a difference, come
to Detroit.»
Icahn owns an 82 % stake in CVR Energy, which along
with other refining companies, has called for
changes to the Renewable Fuel
Program to shift the burden of blending biofuels into gasoline away from refiners and further down stream
to marketers.
The Frederictoncampus continues tooffer its Activator
program, in which studentswork
with anentrepreneur
to cultivate a business idea.Meanwhile, a new entrepreneurship streamis available
to students on the Saint John campus, which also added skills developmentcourses and a social entrepreneurship course.Big
changes have come
to the Saint John campusthrough some big donations recently.The Pond - Deshpande Centre for Innovationand Entrepreneurship offers courses andmentorship opportunities for students, whilea donation from the Irving family helped funda new library facility.
We try
to foster greater innovativeness at our businesses
with new
programs or processes, we scheme
to get in shape by making healthy lifestyle
changes, we strive for the good life by trying
to accomplish more and be happier.
To that end, we have teamed up with the University of North Carolina's Kenan - Flagler Business School — a recognized leader in online business education — to create an innovative executive certificate program called: Change the World: Leading with Purpos
To that end, we have teamed up
with the University of North Carolina's Kenan - Flagler Business School — a recognized leader in online business education —
to create an innovative executive certificate program called: Change the World: Leading with Purpos
to create an innovative executive certificate
program called:
Change the World: Leading
with Purpose.
These forward - looking statements include, among other things, statements about full - year 2018 guidance, project milestones, increased opportunities in the market, backlog, bids and
change orders outstanding, target projects and revenue opportunity pipeline,
to the extent these may be viewed as indicators of future revenues or profitability, the expected impacts of the F2G
program and progress toward completing the proposed combination
with CB&I and the anticipated benefits of that transaction.
There's an element of psychology at work here in that when we encounter crisis in our lives, we're also
programmed to deal
with change in a way that, in more normal times when everything seems fine, we tend
to reject.
This weekend pays tribute
to a specific era, 1985 - 89, and features a host of initiatives like cars
with old - school car paint schemes, commemorative ticket and
program designs, specially - designed apparel, retro food offerings at the track... unlike, say, baseball or football throw - back games where the only real
change is the team's uniforms, Darlington and its partners goes all in.
Other recommendations were popular
with the CEOs, as well, such as using cost - savings from
changes to the
program for «moving bonuses» given
to those who relocate for work.
«But all it takes is a couple of dedicated teachers
with a little support and guidance
to run important research
programs that can produce winners in this competition and more importantly kids who are going
to go on
to become scientists and
change the world.»
With a deeper focus in one area, you can continue
to grow and develop that skill as
programs and needs
change.
In early January, Walden Asset Management, a corporate client who uses Vanguard for their 401 (k)
program, wrote Vanguard about its proxy voting practices
with respect
to social and environmental issues like political spending and climate
change.
Aimia said it is working on a promotion
to earn more miles
with existing partners and developing a strategy for how the
program will
change once the long - term partnership
with Air Canada ends.
Our Digital Inclusion
Program teaches foster youth basic digital literacy skills and provides them
with a laptop and mobile Internet access for five years, two things that most of us take for granted but can be life
changing for students who are accustomed
to writing essays on their cellphones.
The bipartisan Senate plan would attempt
to maintain TPS in return for ending or
changing a «diversity» lottery
program that has been aimed at allowing up
to 50,000 people a year from countries
with few emigres
to the United States.
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 (t
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 (t
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 (t
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).
«In order
to accelerate meaningful corporate and market impact, many corporations are expanding their CVC unit mandates
to include traditional minority investments, majority equity investment more consistent
with Growth PE, M&A and internal commercial piloting and incubation
programs; and compensation structures need
to keep pace
with these
changes,» said Heidi Mason, managing partner of Bell Mason Group and co-founder of CVI ².
To change that, she made a call to the Emerging Technologies Program with the City of Austin's Economic Development Divisio
To change that, she made a call
to the Emerging Technologies Program with the City of Austin's Economic Development Divisio
to the Emerging Technologies
Program with the City of Austin's Economic Development Division.
The
Program Agreement
with HSBC included a
change of control provision that would permit us
to terminate such agreement following a
change of control of HSBC, which occurred upon closing of the Capital One transaction.
The cluster also helped students at Case Western Reserve
with their idea for a flexible electronic price label that lets stores use a software
program to change prices
with the mere press of a button.
In addition
to this training
program, Starbucks will work
with the community
to leverage existing
programs that help connect young people
with internships, apprenticeships and jobs, and foster the type of dialogue and engagement needed for continued social
change.
That's why KPCB is launching ProductWorks, a new
program that will provide entrepreneurs
with support
to create world -
changing products.
«Consistent
with its pattern for the last two years, the company is on track
to complete its regular review and thorough analysis and
to announce any
changes to the current
program by March or April of 2014.
monitoring workforce management
programs; establishing compensation policies and practices for service on the Board and its committees, including annually reviewing the appropriate level of director compensation and recommending
to the Board any
changes to that compensation; developing stock ownership guidelines for directors and executive officers and monitoring compliance
with such guidelines; and annually evaluating its performance and its charter.
On Labor Day, Scott Gerber, president and founder of the Young Entrepreneur Council (YEC), hopes
to tap into precisely this brand of technology, scale and openness
to change the way startup mentorship is done,
with the launch of StartupLab, a free virtual mentorship
program for young entrepreneurs.
While Trump could initiate some
changes to the visa
program with executive action, significant shifts would likely need
to go through a lengthy formal rulemaking process, said Stephen Yale - Loehr, an immigration expert at Cornell Law School.
Contrast Canada
with the United States where needed
changes to Social Security and other entitlement
programs are held hostage
to ongoing political gridlock.
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.
These include: C$ 4.5 billion
to support research, training, and infrastructure at universities and colleges; a Strategic Innovation Fund that will provide C$ 1.26 billion for business innovation in the aerospace and automotive sector; a Connect
to Innovate
Program that will invest C$ 500 million
to bring high - speed Internet
to remote and rural communities by 2021; and, C$ 70 million over six years
to support agriculture innovation
with a focus on climate
change, and soil and water conservation.
This includes having in place compliance
programs that have been updated so as
to be consistent
with all of the provisions of the CFPOA including the recent
changes.
Changes to the
program would require approval by a majority of provinces
with majority of the population.
The Ontario government and MaRS Discovery District are helping promising young leaders gain the knowledge, skills and experience they need
to make positive social
changes in their communities and across the province
with an innovative new
program.
Similarly
to our networks it is important for us
to collaborate
with other entrepreneurship
programs so that together we can influence
change.
In the wake of the Cambridge Analytica data misuse scandal, Facebook has announced important
changes to its app platform, along
with improvements
to its official bug bounty
program that will incentivize and reward security researchers for hunting down third - party Facebook apps that misuse user data.
With innovative products, online and offline training programs and account based sales consulting, No More Cold Calling works with both small and large businesses who want to change the way they sell to get predictable, measurable resu
With innovative products, online and offline training
programs and account based sales consulting, No More Cold Calling works
with both small and large businesses who want to change the way they sell to get predictable, measurable resu
with both small and large businesses who want
to change the way they sell
to get predictable, measurable results.
The Rotman School has close ties
to industry, and
to stay current
with the
changing pace of business, the School invites local business leaders
to participate in a vital executive - in - residence
program.
The Pure Barre client experience in - studio is ever -
changing with regular updates
to our class choreography and music, as well as the introduction of new classes and
programming.
Many factors could cause BlackBerry's actual results, performance or achievements
to differ materially from those expressed or implied by the forward - looking statements, including, without limitation: BlackBerry's ability
to enhance its current products and services, or develop new products and services in a timely manner or at competitive prices, including risks related
to new product introductions; risks related
to BlackBerry's ability
to mitigate the impact of the anticipated decline in BlackBerry's infrastructure access fees on its consolidated revenue by developing an integrated services and software offering; intense competition, rapid
change and significant strategic alliances within BlackBerry's industry; BlackBerry's reliance on carrier partners and distributors; risks associated
with BlackBerry's foreign operations, including risks related
to recent political and economic developments in Venezuela and the impact of foreign currency restrictions; risks relating
to network disruptions and other business interruptions, including costs, potential liabilities, lost revenues and reputational damage associated
with service interruptions; risks related
to BlackBerry's ability
to implement and
to realize the anticipated benefits of its CORE
program; BlackBerry's ability
to maintain or increase its cash balance; security risks; BlackBerry's ability
to attract and retain key personnel; risks related
to intellectual property rights; BlackBerry's ability
to expand and manage BlackBerry (R) World (TM); risks related
to the collection, storage, transmission, use and disclosure of confidential and personal information;
Consistent
with its pattern for the last two years, the Company is on track
to complete its regular review and thorough analysis and
to announce any
changes to the current
program by March or April of 2014.