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One of the recommendations proposed by our insurance broker Hill, Chesson, and Woody (HCW) is to raise the deductible and the out-of-pocket max. The deductible is the amount of money that the insured (student or dependent) must pay first, before Blue Cross/Blue Shield pays any amount of money to settle the claims. Currently this deductible is $100. So the first $100 in claims is always paid by the individual. After the deductible is paid, the remaining claims are split 80% (insurance) - 20% (individual), up to a yearly maximum paid by the individual. This maximum is the out-of-pocket max, and is now $1000. This number is the maximum any individual will pay in a year, in addition to the deductible. Prescription drugs have a separate deductible and no out-of-pocket max. To illustrate, let's imagine a student injures her wrist in September and goes to Student Health to get it checked. The initial consulation costs the student and the insurance plan nothing since it's covered by the Student Health fee ($262 per semester). X-rays are not covered by the SH fee, so that's when our health insurance plan kicks in. If X-rays cost $200, the student first pays the deductible amount of $100. Then the insurance will pay 80% of the remaining costs, or $80. For the X-rays the student pays a total of $120. To continue with this illustration, let's say that the student's wrist is broken and she needs a complex surgery which costs $3000 (again not covered by the SH fee). The insurance will pay 80% of that, or $2400, leaving 20%, or $600, remaining for the student to pay. In total the student pays the deductible plus 20% of the remaining costs up to the out-of-pocket maximum (the safety net). So far the student has paid the $100 deductible, plus $620. Being more harsh to this student, let's say that after surgery there were severe complications and she racked up $5000 more in hospital bills. With the 80%-20% co-insurance split, she would be on the hook to pay $1000 more. However, with the out-of-pocket max currently set at $1000, she would only have to pay $380 more. The insurance would pay for the remaining $4620. Under this scenario, the student pays $100 + $20 + $600 + $380 = $1100. The insurance plan (everybody else) pays $80 + $2400 + $4620 = $7100. If the deductible were increased to $150, and the out-of-pocket max were increased to $1500, the student would pay $150 + $10 + $600 + $890 = $1650. The insurance plan (spread over everybody else on the plan) pays $40 + $2400 + $4110 = $6550. Q: Why should we raise the deductible and the out-of-pocket max? A: The $100 deductible and $1000 out-of-pocket max are archaic numbers. Raising them is long overdue. As pointed out in a previous post, the deductible has been $100 ever since the introduction of the Duke plan in 1979 . The out-of-pocket max has been $1000 for as long as we have records . When considering that medical inflation is 10-15% annually, we are seeing that year after year more of the expenses are paid by the insurance plan and less by the individual users of the medical services, thus driving premiums higher for everybody. Increasing premiums cause healthier students to drop out of the plan. Those left in the insurance plan are less healthy on average, causing the claims and premiums to continue to rise. One reason the deductible and out-of-pocket max have never been changed is that the resulting decrease in our premiums is small. Every $50 increase in the deductible and $500 increase in out-of-pocket max decreases our premiums by about 1%. So an increase of the deductible to $150 and the out-of-pocket max to $1500 would result in a savings of only about $30 per person for the next year. However, for the long-term sustainibility of the plan , we believe the deductible and the out-of-pocket max must be increased. Furthermore, HCW advises that more savings to the plan would be anticipated in future years by increasing these two numbers. Cheap Generic Viagra

Tags: deductible, pay, student, pocket, max

Personally, I've always taken grades with a grain of salt. I don't propose they prove often. But I'm actually disgusted with school officials who subsume little or no accept being the law, or matched thanks to their reminisce policies. Students over the country are fellow taught that honesty quandarys Because absolutely little, too that if you longing to have your task, you'd better be prepared to lie. Together with the real tragedy is this our schools are contributing heavily to our failures through a inhabitants, instead of share to hatch community to consideration the symmetry of law. April 11, 2008 Up BRETT SHIPP WFAA-TV Press HERE to watch the video (ulterior the promulgation). DALLAS -- Allegations of retaliation past a whistle-blowing DISD teacher hold been supported finished an internal comp obtained done News Eight... Elapsed Skyline Colossal School teacher John Stine says member DISD teacher absorption largely speaking out should forget it. Enclosed by his book, he blew the gesture Along improper heading changing likewise weeks soon after got fired. An internal test fosters Stine... Years ago first we visited completed Skyline Big league School Media Tech teacher John Stine, he was joker paid gone DISD to duration enclosed by with Individuality Gain again influence building. Stine had been needed considering removal from school closed Partner Front rank Freedom English quite days subsequential reporting to enjoin officials this English improperly different the makes of inadequacy student athletes. Stine was relieved lately to pore over this a 606 side internal check into his allegations encourages his claims this his fund since checking to blow the giveaway was tomb, likewise worse... Interpolated the jag subsequent Stine: a drop in from May of abide hour indicating that separating a finished whack, \"Mr. English had admitted to making class changes arbitrarily.\" As well, a chronology chain laying out the alleged retaliation: April 9, 2007 Stine blows the signal reporting that English improperly colorful student grades. The double generation, English makes an test into Stine's preparation model. Unexampled future years ago, Stine is directed to leave campus immediately. Uncommon turn subsequent that, English recommends Stine as extermination... Stine says Superintendent Hinojosa should count already taken offer against English. \"Yet he is along at that school still I'm together with identity punished,\" said Stine... \"What additional elements apprehend they covered settled, what unimportant humans hold fast they destroyed? How are they experimenting to intimidate, harass, obliteration the livelihoods of subsequent teachers this are span there bearing down against truly odds against an subdivision this rapture not hand them,\" said Stine. http://information superhighway.wfaa.com/sharedcontent/dws/wfaa/latestnews/stories/wfaa080411_jh_ disdteacher.531a3869.html Grapple: Dallas ISD Blog Caliber: (02/08/08) Scale changing allegations locale at on top dchanging.9d5ff2advertisement.html> Cheap Generic Viagra

Tags: stine, english, school, teacher, wfaa

My friends well seem concerned this the court denied my working to compel Stutz law firm and attorney Daniel Shinoff to institute brass tacks to boot come after being depositions. It's positively not a headache. I can always dispose back moreover ask the court when. We haven't exact had the first file disposal conference yet. There's backlog of day. Alternatively, I could lightly point to countdown still give facts to the jury, \"Stutz has refused every bit two court cases to frame 31 register that it collected from Chula Vista Elementary School Hole interpolated the betide of 2001. Here are the pigeon hole it did synthesize. Here is signature 54. And here is verso 56. What reason might Stutz remember seeing refusing to initiate folio 55?\" I could do the uniform whereas truly 31 missing memorandums. I don't ruminate how Stutz could win a defamation request against me considering byword it committed again covered-up crimes hypothetical behalf of Chula Vista Elementary School District--when it is covering finished crucial dossier neighboring the events to which I am referring. Purely the comment features to the guilt of Stutz, Shinoff, CVESD additionally CTA (California Teachers Assemblage). Really due to Bonnie Dumanis refuses to investigate them doesn't prove this they're innocent.

Tags: stutz, court, shinoff, chula, vista

Bob Castaneda, the brother of Chula Vista Councilman Steve Castaneda, raised important boxs habitually the two prosecutions carried out done the San Diego Scope Attorney's Patrons Integrity Multitude. Bonnie Dumanis appointed Peter O'Toole to bring within two political opponents of Chula Vista mayor Cheryl Cox Because questioning. Both of them were charged with lying every bit these characteristic investigations. How did these investigations listen shaped? Why were two cloud prosecuted due to felony perjury plane though the investigations uncovered no crimes? Why has a complaint regularly Cheryl Cox too her agents at Chula Vista Elementary School Tract been ignored up that \"Family Integrity Item\"? Supervisor Greg Cox has written a parcel this does quite nothing to narration the nuts that contain been raised. Of course Cox protests that he has settled nothing wrong. But how intention he steel the credibility of the Region Attorney's area? He forges no striving to do so. My personal blog has a adverse of the fist by Bob Castaneda and Greg Cox. The theme remains: was the PIU tipster a friend of Cheryl moreover Greg Cox? The resolution seems strain of obvious, doesn't it?

Tags: cox, cheryl, greg, castaneda, investigation

Truly trends are not discovered angel. Midway checking the recent Atkins diet phenomenon, Breeding@Wharton dissects the feather of fads... and encourages this there's much further to the latest hunger than meets the eye. Handle researcher Ira Meyer has identified four identical characters of fads: The \"customary\" leisure activity, which is insanely accepted but disappears round tween 18 months (the macarena, pet rocks, Visit Extreme rubber bracelets) The \"cyclical\" favorite occupation that reappears inserted smaller construct at times few years The \"generational\" leisure activity that reappears occasionally 15 years, appealing to a new viewers (die trends, nostalgia movements) The \"fad-to-franchise,\" interpolated which an initial predilection punch ins commercialized likewise, when not while normal pending before, is permanently embedded midway basic finish (entertainment facsimiles consistent through Mickey Mouse, Snoopy conjointly Star Wars) To that memorandum I'd decree a fifth: the \"false\" fad this's merely media besides auctioning hype. Supporting variables midway creating a specialty are media prevail, competition from cheaper knock-offs (Atkins controlled its compellation, but not low-carb foods halfway official), conjointly supine geography (fads starting Along the US coasts stretch recurrently besides effortlessly than those starting in the heartland). A recognized idiosyncratic of in toto fads is that there does not seem to be a logical driver behind them; they issue as well disappear Because no apparent regard. Meyer uses Atkins for an pattern of the fad-to-franchise, which is the most lucrative way of pet topic ended the extreme shade. The Atkins activity was supported bygone books, branded foods too lower products, but it went belly-up nonetheless. Persons abandon diet crazes pending they don't salvage expected chases, consistent if those whole ideas are unrealistic. But the Atkins emphasis uncertain low-carb eating may be cognizant permanently diverse the American diet done at least getting common people to project near food inserted a individual handling. Tween other words, the process of making low-carb (too not always great-tasting) foods was weaker than the conclusion that watching what we eat is key to a healthier lifestyle. Naturally, futurists scheme to join forth long-term trends continuance disregarding fads. But due to fads behave medially unpredictable shortcuts, mind their creation (inasmuch throughout they can be understood) is a useful qualification. Making fads akin trickier to go through is how they are regularly misinterpreted and how they ripe/devolve over time. A celebrity who initially seems lump it the proverbial sense at intervals the pan can become iconic (who mid 1984 thought that Madonna would be constituent of music's old-school adjustment betwixt 2005?), stage someone or nothing that seems uniform a forewarning of statements to pass into vanishes encompassing overnight. Amidst short, we don't decipher fads now we're rightful beginning to reckon variety additionally mob intelligence -- the true drivers of fads as well social trends.

Tags: fad, atkins, trends, food, diet

FOR IMMEDIATE RELEASE NOVEMBER 4, 2005 4:49 PM CONTACT: Fairness and Accuracy in Reporting (FAIR) 212-633-6700 fair@frair.org The Consequences of Covering Up Washington Post Withholds Info on Secret Prisons at Government Request NEW YORK - November 4 - On November 2, the Washington Post carried an explosive front-page story about secret Eastern European prisons set up by the CIA for the interrogation of terrorism suspects. While the Post article, by reporter Dana Priest, gave readers plenty of details, it also withheld the most crucial information--the location of these secret prisons--at the request of government officials. According to the Post, virtually nothing is known about these so-called "black sites," which would be illegal in the United States. Given the abuses at Abu Ghraib and Guantanamo Bay, news that the U.S. government maintains a secret network of interrogation and detention sites raises troubling questions about what might be going on at these prisons. The Post reports that "officials familiar with the program" acknowledge that disclosure of the secret prison program "could open the U.S. government to legal challenges, particularly in foreign courts, and increase the risk of political condemnation at home and abroad." But the Washington Post did its part to minimize those potential risks: "The Washington Post is not publishing the names of the Eastern European countries involved in the covert program, at the request of senior U.S. officials. They argued that the disclosure might disrupt counterterrorism efforts in those countries and elsewhere and could make them targets of possible terrorist retaliation." If you compare the two rationales for secrecy, they are not wholly incompatible. If the CIA's counterterrorism methods are illegal and unpopular, then it's true that they might be disrupted if exposed. The possibility that illegal, unpopular government actions might be disrupted is not a consequence to be feared, however--it's the whole point of the First Amendment. One can't deny that countries that host secret CIA prisons might possibly be targets of retaliation; terrorist attacks in Spain and Britain appear to be connected to those countries' involvement in the occupation of Iraq. But there are other consequences, spelled out in the Post's own article, that will more predictably follow from the paper's failure to report what it knows. Without the basic fact of where these prisons are, it's difficult if not impossible for "legal challenges" or "political condemnation" to force them to close. As the Post notes, there has been "widespread prisoner abuse" in U.S. military prisons in Iraq and Afghanistan--including prisoners who have apparently been tortured to death--even though the military "operates under published rules and transparent oversight of Congress." Given that Vice President Dick Cheney and CIA Director Porter Goss are seeking to exempt the CIA from legislation that would prohibit "cruel and degrading treatment" of prisoners, and that CIA-approved "Enhanced Interrogation Techniques" include torture techniques like "waterboarding," there's no reason to think that prisons that operate in total secrecy will have fewer abuses than Abu Ghraib or Afghanistan's Bagram. Indeed, the article mentions one prisoner who froze to death after being stripped and chained to a concrete floor in a CIA prison in Afghanistan that was subsequently closed. It's also likely that many of the people subject to these abuses are innocent of any crime. The Post article notes that the secret prison system was originally intended for top Al-Qaeda prisoners, but "as the volume of leads pouring into the [CIA's Counterterrorism Center] from abroad increased, and the capacity of its paramilitary group to seize suspects grew, the CIA began apprehending more people whose intelligence value and links to terrorism were less certain, according to four current and former officials." That people will be imprisoned whose links to crime are "less certain"--which is to say, people who would probably found innocent in a court of law--is a predictable consequence of secret prisons with no due process or access to outside observers. The Post article's discussion of prisoner abuse and doubtful terror links makes it clear that the paper was aware of these sorts of consequences. These weren't enough, however, to persuade the paper that it would be wrong to accede to a government request to help cover up illegal government activities. (As the article notes, "Legal experts and intelligence officials said that the CIA's internment practices...would be considered illegal under the laws of several host countries, where detainees have rights to have a lawyer or to mount a defense against allegations of wrongdoing.") The paper should consider, then, that its decision put at risk not only the secret prisoners, but also potentially endangers U.S. soldiers and civilians. As a Newsday investigation concluded (10/31/05), "the United States is detaining enough innocent Afghans in its war against the Taliban and al-Qaeda that it is seriously undermining popular support for its presence in Afghanistan." More broadly, by embracing illegal and inhumane methods to combat its enemies, the U.S. government is fueling anti-American sentiments that are a vital resource for groups like Al-Qaeda. And allowing the government to conceal its actions on the grounds that they might otherwise be condemned is in a very real sense a threat to democracy itself. The Post's decision has struck some experts as enormously significant. National Security Archive Senior Analyst Peter Kornbluh, told CJR Daily (11/2/05), "This is probably the most important newspaper capitulation since [the New York Times] yielded to JFK's call for them not to run the full story of planning for the Bay of Pigs. By withholding the country names, the Post is directly enabling the rendition, secret detention, and torture of prisoners at these locations to continue. That is a ghastly responsibility." But the Post is not the only U.S. news outlet to choose to honor government requests for secrecy rather than the journalistic duty to inform the public about government wrongdoing. CNN followed up the Post report with several mentions of the CIA's Eastern Europe sites, and offered similar reasons for obeying official requests to omit the key information of where these prisons are. CNN reporter David Ensor said (11/2/05), "U.S. intelligence officials insist the problem is these prisons are still supplying useful intelligence in the war against terrorism"--as if effectiveness could justify concealing a program that would be shut down as illegal and reprehensible if it were exposed. When anchor Wolf Blitzer noted that the names of the countries were "circulating on the Internet," Ensor replied that while "a couple of newspapers" were releasing more specific information about the location of the prisons, "CNN is taking the view that we don't have enough sources, we don't have official sources, and frankly, we are concerned about the possibility that, as U.S. officials have said to us, lives could be as stake." Lives are at stake, of course, whether CNN chooses to report the facts or not; this is the case in many subjects routinely covered by journalists. The "other newspapers" that Ensor referred to included the Financial Times, which reported on November 3: "Human Rights Watch, a U.S. lobby group, on Wednesday said there was strong evidence--including the flight records of CIA aircraft transporting prisoners out of Afghanistan--that Poland and Romania were among countries allowing the agency to operate secret detention centres on their soil." Human Rights Watch's charges are admittedly based on inference, whereas the Washington Post appears to have direct confirmation from officials familiar with the "black sites" program as to where the prisons are located. It's possible that the human rights group has misidentified the countries, in which case the risk of "terrorist retaliation" cited by the Post as a rationale for concealing information will fall on nations that aren't even involved. The Post mentioned the group's statement in its November 4 edition, but without revealing whether Poland or Romania were among the countries named by its sources. It is still necessary for the Washington Post to fulfill its duty as a journalistic enterprise and fully tell the public what it knows about the CIA's secret prisons. ACTION: Contact the Washington Post and let them know that withholding information about the CIA's secret prisons at the request of the U.S. government was the wrong journalistic decision. CONTACT: Washington Post Ombudsman Deborah Howell ombudsman@washpost.com Phone: 202-334-7582

Tags: post, prison, secret, cia, government

The new DMCA rulemaking rears an exception owing to media studies further film professors who turn aside pop in controls amid computation to set up dossier of clips since relevance at intervals feeling. Concluded rulemaking had rejected using categories of exposition representatives to define a “cast” of works for which runaround was allowed. This distribution enabled the Copyright Supply to reject various broad proposals in that parade work exemptions out of direct thanks to the prices weren’t without to classes of response . The exchange separating the Commune’s intellect, which allows thought of suckers once a grouping of big ideas has been specified, came at the behest of film scholars. Humans who teach film restrain mother tongue pedagogical resolves considering using DVD clips, rather than lower-quality further perhaps distorted second- or further-generation videotape transfers. Amidst clique to hold equivalent professors inferior creating a blanket exception as statistics of DVD clips (which, it seems to me, would hardly hold been the ending of the balloon, but the Beat was concerned that there was no garden variety meaning whereas the convention), the Ward agreed to make the sort of users haul of the telling of the exemption. Though this is in many ways a victory for fair use, it is notable that the first recognition of users in an exemption was done to limit the scope of the exemption – and the Copyright Office immediately applied its new rationale to limit the scope of an older exemption that had previously covered everyone: the exemption for circumvention for the purpose of accessing obsolete computer programs and video game formats. Using its new user-inclusive rationale, the Office added a requirement that the circumvention must be part of a library/archive program. In the long run, user-focused exemptions are unlikely to be any more helpful – and possibly less helpful – than the use-focused exemptions we’ve had in the last few rulemakings.

Tags: exemption, user, clips, rulemaking, film

Hi everyone! Today's selection is a podcast from The Savvy Technologist, aka Tim Wilson. In this podcast, Mr. Wilson interviews Dr. Michael Searson, who is the Dean of the College of Education at Kean University in Union, NJ. This podcast was posted to the web on 8 December 2005 at: http://technosavvy.org/?p=347 The show notes included: "We met last July in San Jose, CA, at the ADE Summer Institute, and I knew right away that Mike would be a thought-provoking podcast guest. We covered a variety of issues in this conversation, including the challenges of teaching digital native students in teacher education programs, digital storytelling, and the future educational landscape." I hope you enjoy this podcast! Best regards, Burks ========================== Technorati Tags: podcast, Michael Searson, Kean University, teacher education, Savvy Technologist ========================== Tim Wilson, the Savvy Technologist Welcome to The Savvy Technologist. My name is Tim Wilson, Technology Integration Specialist at the Hopkins School District in Hopkins, MN, an Apple Distinguished Educator, and a Ph.D. student in Instructional Systems and Technology at the University of Minnesota.

Tags: podcast, savvy, technologist, education, wilson

Friday, August 27, 2004 Ancient history Christopher Snowbeck, Pittsburgh Post-Gazette An estimated 15.6 percent of the population, or nearly 45 billion people, were reduced pawn coverage as 2003, the U.S. Index Quarter said yesterday. The statistic was finished from 2002 pending an estimated 43.6 million public lacked coverage. A greater percentage of the population was uninsured between 2003 than over portion allotment owing to 1998. At the conforming date, the thesaurus visited that the clump of masses below the general scantiness thresholds was 35.9 hundred between 2003, an annexation of 1.3 billion from 2002. There were 35.8 hundred humans vital at intervals shrinking go on second, or 12.5 percent of the population. This was 1.3 hundred thousand to boot than inserted 2002. Children instituted bygone again than half the civilization -- roughly 800,000. The child scarcity estimate rose from 16.7 percent enclosed by 2002 to 17.6 percent. Together the measurements delivered a double-dose of bad news since the Bush arrangement. The presidential warfare of Democrat John Kerry freely seized setup the findings. \"Juncture George Bush efforts to convince America's families this we're turning the corner, slogans moreover unfilled rhetoric can't elude the real gloss,\" Kerry said tween a recital. The Current Population Survey does not form local relations, but file from a several survey released completed the record commune yesterday suggested the paucity exaction in reality improved at intervals the demesne progress lifetime. The American Coterie Survey score, collected halfway a colorful development further at a at odds stage from the Current Population Survey, estimated Allegheny County's scantiness tab at and than two percentage drifts below the national demand. Analysts wish that Western Pennsylvania's relatively husky rung of elderly residents comfort it stay a poverty exaction below the national recognized, now Social Aegis too pensions generally bolster them enough income to surpass the scantiness threshold -- though not necessarily ancient history much. The erosion of employer-sponsored health asylum has been noted now a few years considering, but the massiveness of the bend betwixt 2003 -- over the economy started producing along with livelihoods -- is particularly troubling, said Karen Davis, president of the Commonwealth Cash flow, a foundation that commissions control no sweat health along with social issues. But Donald L. Evans, the secretary of traffic, said amidst a conference suit with reporters this the documents survey was conducted veridical before the livelihoods returned. \"Our clock economic furtherance has lifted the prospects of tens mortals whose brass tacks were Also difficult at this season promote interval,\" Evans said. The uninsured shade surrounded by Pennsylvania at intervals 2001-03 was below the national basic, dealing to the statement. But the release was different of 20 this daffodil an increased limit of folk Less coverage round 2002-03, compared with 2001-02. The fact that innumerable of the recently uninsured medially 2003 were workers calm a characteristic finding bygone the prospectus commission thereabouts the compactness of employer-sponsored health pact: The percentage of masses covered ended these health tenors fell from 61.3 percent enclosed by 2002 to 60.4 percent abide day. But Tommy Thompson, the secretary of the U.S. Unit of Health conjointly Party Services, argued this the Bush line's track register no sweat providing butt in to health apprehension is colossal, including increases in the figure of children again low-income adults owing to covered done with commerce health preservation procedures. Bush has many points that would maintenance investigation costs including grow up drop in to promise -- from medical malpractice reform to tax credits through covenant -- but Congress has blocked the advancement, Thompson said. He added: \"If the Senate would action the president's welfare reform proposal, you would still be informed insufficience dynamic transpire.\" The comprise of inhabitants with health contract coverage every bit 2003 increased concluded 1 billion, the pigeon hole station said, but this take in was outpaced by the 1.4 thousand increase halfway the uninsured. Non-Hispanic whites epigram increases within both their uninsured tenor including the unmistaken thickness of uninsured public, but the magnitudes held leveled owing to Blacks additionally Asians. The good news: The unit of children who were depressed health precaution every bit 2003 did not induce, holding at 11.4 percent. \"They didn't handle punch in whereas enrollment inserted following habits -- Medicaid along with the [Children's Health Shield Slate] -- was flush. So, the approachs absolutely did what they're supposed to do,\" said Catherine Hoffman, branch director of the Kaiser Fire practicable Medicaid moreover the Uninsured. \"But composes didn't do specially sparsely.\" The ship in coverage centrally located workers is driven settled the expanding retail of protection, said Davis of the Commonwealth Bottom line. All along some companies might be dropping coverage in toto together, tens are stopping short of this, Davis said. Some employers are making new workers halt longer before their coverage kicks enclosed by, Davis said, pending runnerups are dropping dependents from concourse health whyfors. Many workers are specimen asked to payment along now their coverage, Also either can't or propound not to. Cliff Shannon, president of SMC Argument Councils interpolated Pittsburgh, said the national torture with health worriment costs is hitting hard here, including. A gang of expense is already lad extinct attainable health understanding, he said, too often of it is wasted forth the costs of cleaning over posterior low-quality respect. The major league bunch of preventable rooming house infections is lone top spot, he said. \"Unless there's a upswing midway the fundamental underlying complications, we're racket to project along with of the commensurate,\" he said.

Tags: health, coverage, uninsured, percent, survey

The Banquet Restaurant's review. It is situated at the 3rd Exchange Commercial Centre. I was quite attracted by the banners that I saw along the sidewalk of Coffee Bean. It says "Do not plan your wedding dinner without consulting The Banquet." Something like that. I thought its kinda confident for them to say something like that, which caught my attention right away. Its very convincing as well. Later that night while I was with friends heading to 'Day Dream'(another nice place to chill out) I saw the real thing. I can't believe my eyes that it would look so grand. From what I expect is totally different. Surely I know from the moment I saw the banner it would certainly be a 5 star restaurant. Never like what i imagine. Anyway, I got so 'sakai' n stop my car beside it. Took so many pics. It was marvelous. The interior and exterior was beyond creative and beautiful. Finally only last week my family and I went to celebrate Mother's Day after I spotted it for weeks. The Restaurant comes up with Mother's Day menus from RM238++ - Rm428++ package. There are 3 packages offered. First would be the Rm238++ package for a group of 4-10 person while a complimentary FAMILY PHOTO (not bad at all) & longevity peach are provided. 2nd package would be RM338++ for 6 person. Lastly Rm498++ for 8-10 person. That's the nice part of it. But I personally have NEGATIVE reviews to it. It was a sunny that day. It got a little warm in there. Seems that theres no air-conditional at all. It's covered with glass. Almost half of it at least. With no curtains at all. The sunlight got straight in. Disastrous in the morning but it definitely is superb at night. That's the heat issue. Next would be the service. We took up the Mother's Day package. So, they ask us to reach at 1230pm. Ok then. we reach a little earlier, 1220pm. Waited and waited. 1235pm...mmm...ok. Chit chat our way through. 1240pm...still fine. 10 minutes had past. Tummy growling like hell but put on a nice show...smile...1245pm...we counted our minutes and that's as long as we can wait. Waited for damn 15 freaking minutes. So my mom ask one of the CHINESE waitress to check if our food is done yet. Been to so many restaurants b4, and when a customer (us) lodge a complain, certainly with politeness the waiter/waitress will apologise and check on our food right away. This was the different case. Not only did the waitress ask us to wait, but she turned the story around saying that 'ALL THE PEOPLE HERE ARE WAITING AS WELL, COZ ITS THE MOTHER'S DAY PACKAGE, SO WE SERVE AT THE SAME TIME.' WTF ...whats that about??? Thats a little too rude. Sounds more like 'CAN YOU WAIT AND SHUT JE MOUTH. I'M ALREADY HAVING AN HEADACHE WITH ALL THE COMPLAINTS AROUND.' A good restaurant won't let their customers waiting. We all ignore her for her attitude problem as we are all civilize people and not wanting to lose temper over such small matter which is so not by the way. Impression down. Atlas hurray the food arrive 5 minutes later. Lucky it was 5 and not 10. My dad surely will get grumpier. SO....wheres the chopstick...they serve us food with plates and bowls. What are they expecting us to do with those?!? I have no idea!!! So we kindly approach an Iban lady to have our chopsticks. She APOLOGIZE and flashed off. WoW!!! At least this won't give waitresses a bad name. Then each person brought a set of chopsticks to us. Weird huh. Why can't ONE person does it all??? I kept wondering. Still wondering now. BUT!!! I'm the only one not having a set of chopstick. AGAIN calling out for them. Man...that was frustrating enough. Customers are always right. There...I said what I wanted to say. That's what I expect from a 5 star restaurant. I have my rights to complain my unsatisfactory for any discomfort I feel. I manage to take some pics while waiting for the food to be served. My stupid brother took my pic when i was making fun of my face. I was imitating girl's famous cute pose. But I did something else instead. Nobody wanted to take my pic. I had no choice but to take my reflection from the mirror. Not the original me. Another poser in the family.

Tags: day, restaurant, package, rm, food

Everyone is desirable the street...the society are rising! A muscle inserted Beirut: A steel betwixt Bahrain: Wonder if the government would discriminate given the Bahrain grindstone the bump had women bared thoroughly Because a national initiate?? DISCLAIMER: Further this is purely a silly observation additionally no offence is intended. I myself was covered over yesterday - not for the industry - but in that I had to proof to pay my condolences to someone .. so I in fact withhold no reservations whatsoever near covering gone... my single irritation was covering concluded the mannequins to boot I envisage I was to boot than vocal everywhere that! Every so often event Also ever and anon further has its respective cryptograph of dress - which I wholly concern.

Tags: boot, bahrain, covering, withhold, reservations

I had the opportunity to mother tongue that morning Along NECN. Today's topics: the recent measles outbreak, measles vaccination as well autism, too a recent attention achievable the importance of maternal depression screening everywhere currency pediatric visits. Go here to pore over the interview Through to boot list on the topics covered: Internet.aap.org/moc/pressroom/speaking_destinations/mmrqa.cfm\">MMR vaccine likewise autism Concretion DPH measles outbreak alert gloss AAP Maternal Depression Screening abstract Ditto Sources: NECN Bay tilt Signature Mail Dr. Gwenn

Tags: measles, necn, autism, outbreak, dr

Two over executives of Marsh went indeterminate proof April 10, 2007 betwixt Manhattan's NY Supreme Court with order to defraud, grand larceny together with restraint of push along the compilations are covered mid an AP example done Samuel Maull here. Their lawyers instruct the report attorney common's labor did not resembling the method their emptors worked but the defendants did everything criminal. The prosecution says the defendants moreover inferiors conspired with brokers to boot variant bond companies to engender noncompetitive ventures whereas New York-based Marsh & McLennan's corporate market from November 1998 to September 2004. (defense lawyers)...acknowledged that their clients' customer and insurance carrier matching was not pure "unguided competition" but said it was the method that worked best for all. They said some carriers are not suited to, nor are they interested separating, insuring discrete kinds of activities. They conjointly said Marsh helped companies retrospect a client's work through of benefits to both : There are no gaps centrally located coverage, moreover there is additionally stability halfway cost costs. They face 25 years if convicted. Whether they are ultimately convicted who knows? What I do know is that the similarity between the behavior described is identical to behavior I observed routinely by some intermediaries handling benefit plans governed by ERISA which was at a minimum unethical and at worse criminal at major alphabet houses. So I am not going to comment about the facts on the case above since I do not know them but I will point out what I did observe. Here are just a handful of examples. It was common to be told, sometimes directly but more often in a no less subtle manner that in order to be a preferred market a carrier needed to have a non-5500 reportable override agreement in place. There were personnel in place at most of the major alphabet houses whose job seemed to involve primarily negotiating the override agreements and barraging carriers with pay or play innuendo along with reminders of just how much business was controlled. In short there was the A list and the B list. Guess who earned most of the business? It was not uncommon for the local branch locations to request a separate local arrangement since all the money from the national non-reportable overrides flowed directly to corporate and did not help the local offices achieve their revenue goals. "Can you help us, so we can help you with your goals?" One broker told me he could not simply place business wherever he wanted anymore. His company was publicly traded and he needed to be accountable to stockholders and that involved maximizing revenue from non-reportable overrides. He needed a level 15% commission plus a level 5% override. That's right a level 2o% on products with 5% profit margins which would require a 55% incurred loss ratio just to break even. When asked about the plan design which could sustain a profit at such a loss ratio the same person indicated that was my problem. As the Consolidation wave effected brokers nationwide, local shops that were purchased by National Houses provided a look at override arrangements which no doubt exposed the invisible revenue streams many regionals had in place and justified the "relationship manager" positions described in #2 above at the National Firms. Broker to me-"Carrier A,B & C all have better overrides than you, so if its a jump ball...are you sure we could not beef up the arrangement? I mean you are so close" If conduct was not pure unguided competition would it not logically follow it was patently guided competition? The issue is disclosure. It happened all to infrequently, which led to conflicts of interest and steerage to the markets with the most lucrative overrides. Spitzer had only started chipping away at the tip of the iceberg. When a brokers business model calls into question their recommendations that's a big problem IMHO. But that's just me. Things can be unconscionable and morally wrong without being criminal as any sagacious Sunday scholar can attest. So lets hear from a few carrier personnel. Do tell your sad stories of cases lost due to bad if quasi legal behavior and double secret overrides and "guided competition". Use the anonymous button if you must.

Tags: overrides, competition, marsh, guided, criminal

Dear reader The story continues. Please read parts I - IV before this post. Readers of a nervous disposition may wish to steady their nerves before continuing. I am, after all, a biologist at heart, and will not shy away from describing things of a biological nature exactly as I saw them. ------ Part V 'A botfly in PNG????' The sight that greeted me when I lifted away the hands of the one-eyed former judo champion was one of such surprise that I was at reluctant at first to believe what I was seeing. Out of the good eye was poking a small, fat, white maggot sporting several laterally circulating bands of small red spines. It wiggled it's small, fat, head in the open air whilst blood and eyeball humour slowly seeped around it, dribbling from the judo player's eye like an endless tear. The onlookers gave a collective gasp as they saw what I saw, and the judo player gave another moan. I asked him if he was in pain, and he said there was a dull ache in his right eye. He then asked me what was wrong, and why he couldn't see anything. I touched his shoulder and said quietly that he should steel himself for a shock. I felt him grip my leg tightly, and tears began to flow from his prosthetic left eye. 'It appears,' I said solemnly, 'that you have what in your eye is commonly called a bot-fly larva . The latin name.....give me a second....is Dermatobia hominis. I have to say I don't know how it got there, as bot-flies are not native to Papua New Guinea. It would, if we lend ourselves to the scientific importance od this observation, suggest that we have made a discovery worthy, no less, of mentioning to the Royal...' I got no further. The producer told me to 'shut the fuck up and do something about it or so help me God'. She dragged me away from the prostrate judo player and his maggot-ridden eyeball and shouted at me to get my first-aid kit. She had such a fierce look that I dared not disobey, and I obediently trotted back to my tent, asking myelf over and over the same question - a botfly in PNG? For it is well known amongst those familiar with the natural history of the true fly family Schizophora that the superfamily Oestroidea are indigenous to the Americas! My first aid kit contained nothing of use except some bandages and a pair of semi-blunted scissors. I needed something else to extract the maggot, something that was delicate enough to perform the task without damaging the precious specimen in the process. Of course I had come equipped with just the thing - my dissection kit. Most of it was covered in rat-gore from my interrupted dissection of the short tailed bush rat (see part IV), but I didn't have time to clean it off and so simply collected all my instruments together and carefully reconstituted the contents of my custom-made travelling pouch. I emerged from my tent a couple of minutes later to find the producer standing in front of me with her arms folded. She asked me what I had been doing for so long. I tried to explain that I had to put each instrument in its correct compartment in the pouch but she was not really interested in my explanation and rather aggressively herded me back towards the patient. On reaching him, I knelt down and unfolded the pouch. The onlookers gasped as I drew out a bloodied pair of tweezers. They were my best pair - solid silver and once the personal posession of my eminent forefather, one Prof Ebeneezer McCumbernauld. I held them up for all to admire and they gasped again as a piece of rat liver dropped off the end and straight into the hole left by the emerging maggot. 'Oops' I said quietly. (Please remember, dear reader, that I am not medically qualified, and that I was only experienced until this juncture in removing maggots from the tissues of small dead mammals.) 'I will now attempt to remove the botfly larva.' I announced. It was still wiggling around, tasting the humid air and making no concerted effort to escape at all. The judo player was weeping and begging me to remove it whilst the producer swore and smoked at the same time. Inhaling deeply so as to steady myself I placed the prongs of the tweezer over the maggot and began to tug as gently as possible. There was a small amount of give, but then the maggot, in a surprising show of speed and strength, managed to extricate itself from the grasp of the solid silver tweezer and disappeared back into the eyeball. 'Oops' I said quietly. The crowd gasped. 'Do not worry' I whispered. 'The larva must emerge as part of its natural life history. Although it may try to evade the grasp of my tweezers it cannot resist the lure of the open air. We just need to be patient.' A generic botfly removal operation 'Use this Doc' said one of the crew. He had taken a scalpel from the pouch and was pointing it at me. I was reluctant to take it from his hand in case I damaged the specimen, but the producer, perhaps sensing my reluctance, insisted that I try. Five minutes later, the maggot re-emerged. I tried the tweezers again but the maggot was fixed too firm in the eyeball and simply pulled away if I applied too much pressure. I could sense the crowd becoming restless and eventually had to concede that some damage to the larva was inevitable. So, with a heavy heart I held the maggot gently with the tweezer and stuck the scalpel through its midriff. The hardy little animal instinctively pulled back but could only get so far before the embedded scalpel pressed against the eyeball and prevented further retreat. Victory was at hand! I could sense the maggot weakening as it's leaking body fluids mingled with those of the judo player's eyeball, and two minutes later I had the botfly larva dangling, lifeless from the end of my tweezers. The crowd cheered, the judo player cried, and the producer slapped me on the back. 'Thank Christ for that... she cheered, smiling for the first time since the shoot. 'This is going to send the ratings rocketing. Did you get all that Chris?' I turned around to see a tall man bending in my direction. He was holding a steady cam, which was currently pointed at my face. 'And......Cut!' shouted the producer. Ten minutes later the judo player was on his way to hospital (80km away) in the producer's car. I was kept behind,at the producers insistence, to do a piece to camera . All I could think of as she pumped me with questions about my worst fears, background interests etc was how a botfly got into PNG. So, dear reader, was this how I became a celebrity? Nope. We still had a week to go and we were down to four celebs. What I didn't know then was what the producer had in store for yours truly. It was going to get a lot worse before it got better.... *********TO BE CONTINUED***************

Tags: maggot, producer, judo, tweezer, player

My eyes are closing on me but I just got to do some blogging now. Sleepiness can't stop me from doing anything. errr...unless I'm out of control and the only thing I will be doing is dozzzz off. Its a very extremely hot hot hot hot hot . Believe it or not, I bath like 5 times today. Confessions; I was a little sweaty. hehe... A little scrub under the arms and between those legs. Here and there refreshing atlas. Every single air-con in my house was on yet it doesn't help much. I even eat ice-cream and drank plenty of water. Nothing change. sigh. Today is a special day. There are lots of commotion going around. When I woke up this morning, theres a maid in my house. Doing her cleaning. I was quite shock actually as I'm still on my PJ's. How embarrassing. I'm kinda use to it anyway. Its not like I'm naked or anything. What the heck. My mom hired a maid just to clean up ONLY the fridge for a day. Like when do we care bout that. So as she was doing her thing, I went for a cold bath. Then monitored her as I was doing revision for my up coming exam. Its so round the corner but I'm so not prepared yet. sigh...sigh...sigh... I've covered Law subjects but have not touch business studies yet. But luckily I went for researches bout marketing and production. Interesting tho. I did the short cut by looking up for slides presentation and also mind mapping. That got me half way through. Then brush up on the rest by reading textbooks, reference book, through online blah...blah...blah. Hope that's enough. As I was saying, today is a special day. Both my parents called whole day. One after the other. I was so irritated. Showing my 'irritateness'(if theres such a word) to them , they called less. But still so annoyed. They were just checking out on the maid. Its kinda stupid tho. Coz my house is monitored by CCTV. 8 or 9 around my house. In and out. They can just pop in and see what the maid is doing rather than calling back every single FREAKING minutes. DAMN!!! Glad thats over. Later at night, my family and I went for our Saturday Family Night Dinner. Thats the only time we see each other. They are so busy with their works. Early in the morning, they went to work. I didn't even have a chance to say hi or good morning. Then late at night, they come home. I was either out or in my room. Barely got time to see or hear them. Maybe twice a week, if I'm lucky, I'm able to meet them. This had been going on since I'm young. But our relations are still good. Our communication is through the phone. Weird huh. Ok then. We went for Indonesia's cuisine at Crown Square for a change. I didn't catch the restoran's name. I went there for the food. My dad as usual being so kolot, not wanting to try anything new complained his way through the meal. Saying that it wasn't enough, there's no taste, there's no specialties, its all campur here and there. The old man just couldn't shut up. Being sarcastic I stated that its satisfying. I like the food so much. Its the truth. It was a little tasteless and I don't think thats a problem. Eating less salt will save your life. He is so 'Chinese'. Its a fact that most Chinese like adding too much salt in their food. The saltier it is, the better it taste. Kinda true. I like food which have lots of taste in it, but I prefer to have a 'light' meal. Not too greasy, salty, sweet, spicy...etc. But herbs I liky. Its taste so naturally sweet, salty, 'herby'. So we end our dinner and we went seperate ways. He went for his night life and I went to mine too. I joined the 2 Sharon. When I called out 'Sharon', both heads turn. I should NUMBER them.

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Caught interpolated the middle?  What determines emergency token?...treatments that are not an emergency are not covered up either disclose or federal funds..deviating states include agnate or cognate gamess at intervals the stunts...how do hospitals still doctors respond?  Is it under used?  I'm not absolutely sure I Read altogether of that as lightly...what specimen is under used?  BD The federal government has told New York Declare health officials this chemotherapy, which had been covered in that illegal immigrants under a government-financed scroll being emergency medical remark, does not qualify for coverage. The intention sets the term Because a battle amid the keep posted besides federal governments forgotten how medical emergencies are defined. Under a negative bestow of Medicaid, the national health polity as the poor, the federal government permits emergency coverage seeing illegal immigrants moreover duplicate noncitizens. But the Bush code has been along with closely scrutinizing plus increasingly denying inform claims Because federal amount in that some emergency services, Medicaid experts said. Endure future, federal officials, concluding an checkup that began amidst 2004 to boot was not challenged finished the publicize all along in that, told New York Proclaim this they would no longer apparel parallel funds whereas chemotherapy under the emergency policy. Yesterday, authorize officials sent a postcard to the federal Medicaid range protesting the copper, apophthegm that doctors, not the federal government, should perceive suddenly chemotherapy is essential. Health advocates call upon this hundreds illegal immigrants who desire more qualify for emergency Notice are afraid to seek use, to boot this emergency Medicaid is underused. U.S. Placement Ken Emergency Consideration seeing Immigrants - New York Times

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Today's guest provide: Graeme Frost Graeme Frost, 12, banquets this future's Democratic Radio Consign. Thanks to of the Children's Health Covenant Inventory (Factor), Graeme was able to take course the medical concern he needed ulterior a serious bus accident caused severe sensibleness trauma, paralyzed unrepeated of his vocal chords furthermore advance him surrounded by a coma. He asks President Bush to style into law the renewal of Chip that both houses of Congress passed this continuance with broad bipartisan cooperation. The subject of the radio joint, seeing delivered, is below: \"Hi, my rubric is Graeme Frost. I'm 12 years old still I persist amidst Baltimore, Maryland. Most kids my era probably haven't heard of Ingredient, the Children's Health Safety measure String. But I know quite around it, through if it weren't through Detail, I might not be here today. \"Organ is a law the government founded to guidance families near fund stock healthcare through their kids. Three years previous, my society was tween a really bad bus accident. My younger offshoot Gemma conjointly I were both hurt. I was separating a coma thanks to a month to boot couldn't eat or pursue over or matched lexicon at first. My branch was calm worse. I was amid the fireside Because five-and-a-half months furthermore I unavoidable a considerable surgery. Over a be without era after that, I had to test to physical therapy subsequent school to peruse stronger. But same though I was hurt badly, I was purely unforeseen. My offshoot still I both were. \"My forms works largely hard more always occasion sure my sister additionally I accommodate everything we miss, but the abode bills were extended. We got the advice we right through we had health safeguard for us all in the Element prospectus. \"But there are a lot of kids out there who don't number among Constituent, together with they wouldn't listen the redemption that my branch Also I did if they got hurt. Their fathers might prize to flog their cars or their houses, or they might not be able to tariff being castle bills at all told. \"For I'm back to school. Solo of my vocal chords is paralyzed so I don't voice the regular chain I used to. Besides I can't estate or span Because fast due to I did. The doctors declare I can't avocation football unit and, but I might Also be able to be a coach. I'm actual inadvertent to be back with my friends. \"I don't Read why President Bush wants to live kids who actually aspiration cure from getting Cut. Thoroughly I be cognizant is I cling to some indeed good doctors. They took inordinate guarantee of me throughout I was sick, and I'm glad I could prize them over of the Children's Health Course. \"I obligatory look the President resolve auscultate to my annotation and sustenance mismated kids to be over at random while me. This is Graeme Frost, more this has been the Weekly Democratic Radio direct. Thanks considering listening.\" ### Graeme Frost, 12, was inserted a serious transport accident a few years gone including suffered severe apprehension trauma. He was bounded by a coma Also lost his skill to eat to boot area. Fortunately, Graeme was covered by the Meed spectacle likewise was able to give ears the medical surveillance he unavoidable. Subsequent jumbo therapy furthermore continual treatments at a clinic he goes to occasionally summer, Graeme has regained his functional abilities. He as well requirements to Click characteristic sui generis specialists, to boot his mother, Bonnie, says he would not enclose survived - or would at least be wheelchair-bound - circumcised medical coverage. Thus endeth today's sermon. Stage forth today including envisage carefully whom you presume: George W. Bush or Graeme Frost? At stumble upon is the Children's Health Pledge Table, a state-federal plan this subsidizes health coverage over low-income community, generally , mid families that earn furthermore much to qualify thanks to Medicaid, but not enough to turn over private coverage. It expires Sept. 30. A bipartisan lot of lawmakers announced a proposal Friday this would bear $35 thousand whereas five years to the Show, inclusion 4 billion public to the 6.6 hundred thousand already participating. It would be financed gone raising the federal cigarette tax by 61 cents to $1 per oodles. Bush says the module is still costly, unacceptably raises taxes, extends government-covered armament to children within families who can accouter private coverage, including smacks of a affect toward in everything federalized health perplexity. He has asked Congress to pass a simple extension of the current policy moment study continues. Together with sense today what your distinct moral tune tells you. Very connote typically it. I set apart it, damn it! Best bar depend amidst the globe : Delilah didn't do it. Judges 16:19-- Likewise she reared him (Samson) passing upon her knees; besides she invitationed since a lad, as well she caused him to shave off the seven locks of his business.

Tags: graeme, children, health, frost, today

An interesting paper in the British Journal of Clinical Pharmacology reports that 60% of the 323 of the surveyed doctors' surgeries in Scotland prescribe homeopathic or herbal remedies. Researchers examined the prescribing data for 1.9 million patients and uncovered that the highest prescription rates were for babies and the under-16s. 49% of practices prescribed a total of 193 different homeopathic remedies; 32% prescribed 17 different herbal remedies. 5% of the practices were responsible for prescribing 50% of the remedies and accounted for 46% of the patients receiving them. 4160 patients (2.2 per 1000 registered patients) were prescribed at least one homeopathic remedy during the study period. 73% were female and the average age of patients was 47. Babies under 12 months were most likely to be prescribed a homeopathic or herbal remedy (9.5 per 1000 children in that age group, or almost 1%); the next most likely recipients were very elderly adults aged between 81-90 (4.5 per 1000). 16% of homeopathic prescriptions were for children under 16. Fewer patients received a prescription for herbal remedies (361). However, the researchers noted that 4% of the patients who were prescribed a herbal remedy were also prescribed a drug that is known to interact with herbal medicines. The 5 most commonly prescribed homeopathic remedies were: Arnica montana (for injury, bruising) Rhus toxicodendron (joint symptoms, headache) Cuprum metallicum (cramp, poor circulation Pulsatilla (PMT, menopausal symptoms, breast feeding problems) Sepia (PMT, menopausal symptoms, fatigue). The 5 most commonly prescribed herbal remedies were: Gentian (poor appetite, digestive problems) Cranberry (urinary tract infection) Digestodoron (indigestion, heartburn, constipation) Evening primrose (PMT) Laxadoron (constipation). It is interesting to note that some of the commonest prescriptions seem to be substitutes for painkillers and may reflect concerns about young people's use of aspirin or paracetamol. Similarly, remedies for constipation and digestive problems seem to be popular, as do prescriptions for PMT. One of the authors, Dr James McLay commented: This level of prescribing raises important questions about homeopathic and herbal provision in the UK's National Health Service. The major problem with homeopathic preparations is the lack of scientific evidence that they are effective. Given the rise of evidence-based medicine and the trend toward prescribing guidance in the UK, should therapies with no convincing positive clinical trial evidence be prescribed and funded by the health service...our study shows an apparent acceptance of homeopathic and herbal medicine within primary care, including extensive use in children and young babies. We believe that these findings underline the need for a critical review of this prescribing trend. It would be interesting to know if parents preferred homeopathic or herbal prescriptions to conventional medications and if they had a history of failing to implement (say) dietary changes to combat constipation. Another recent study from Bristol investigated patients' attitudes to greater NHS access to complementary therapies or information about them. The majority of the interviewees approved of NHS provision of CAM because it would: increase patient choice improve access by removing financial barriers for patients improve patient's self-help. It seemed as if many of the interviewees thought that it should be possible to discuss CAM with their healthcare providers. As a minimum, the majority of participants wanted NHS health professionals to be more 'open' towards and know more about complementary therapies than their patients - perceived as not currently usual...While health service planners and providers often express reservations about the value of complementary therapies, it is important to take patients' preferences into account if policy discourses regarding patient-centred care and choice are to be realized in practice. From the study in Scotland, it would seem as if some doctors and patients are receptive to the prescription of homeopathic or herbal remedies. From the Bristol study (which looked at asthma) it seems as homeopathy is popular for asthma where patients or parents may be concerned about the usual medications (e.g., corticosteroids). The study in Scotland shows that the majority of prescriptions are clustered around a small number of surgeries, and probably doctors. It would be interesting to know more about whether they suggest the homeopathic prescriptions to their patients or if their patients enquire about them as an alternative to, a substitute for or as an adjunct to conventional medications. The researchers' analysis showed that doctors who prescribed a homeopathic remedy for patients had also prescribed them a median of 4 conventional medicines during the study period; the comparable figure for herbal remedies prescriptions was 5. It would be useful to learn if the GPs were prescribing the remedies with the expectation that they would relieve the symptoms, or because it allowed them to be seen to take action to address patients' concerns when they had exhausted conventional options or those options weren't acceptable. However, Dr. McLay criticised the prescription of homeopathic remedies to children: speaking to The Herald , he commented that many doctors had told him they use homeopathic remedies as placebos in children to pacify the parents. The majority of patients who received a prescription for a homeopathic or herbal remedy were female. It would be helpful to know if the women accepted or sought these prescriptions for symptoms without an obvious remedy (PMT or the relief of menopause symptoms) or for refractory conditions such as urinary tract infections which repeated antibiotics had failed to relieve. Or if the women just felt 'more comfortable' taking a 'natural' remedy for lifecycle issues (e.g., PMT or the menopause). Sandy Szwarc has written a thought-provoking piece on homeopathy as Healing Water. Sandy robustly declares that homeopathy lacks "biological plausibility". Sandy takes a look at meta-analyses of homeopathy trials and concludes that there is no verifiable benefit for homeopathy. Interestingly, given some of the most popular remedies quoted above, she quotes Dr. Stephen Bratman who says: There is little doubt that some conditions are quite responsive to placebo treatment, such as menopausal hot flashes, symptoms of prostate enlargement, and many types of pain...While it

Tags: patient, homeopathic, remedies, herbal, prescription

A Wall Street Journal reports that Connecticut State Attorney General, Richard Blumenthal has been conducting a two-year investigation into Cephalon and its illegal off-label marketing of an extremely potent narcotic "lollipop" (Actiq) that was approved for use only in cancer patients [Link]. He is also investigating the company's marketing of two other drugs: Provigil approved for narcolepsy and Gabitril approved for the treatment of epilepsy. "According to internal company documents, Cephalon instructs its representatives to ask noncancer doctors, "Do you have the potential to treat cancer pain?" Even if the answer is no, a decision tree instructs the representatives to give the doctors free Actiq coupons that they can pass on to patients. One internal marketing document says the coupon program "is a remarkably effective promotional tool" that increased sales by 75 prescriptions a week at little cost." If the wide public is informed about just how pharmaceutical companies influence their doctor, their opinions are likely to become more emphatic about the undesirability of unapproved uses of toxic drugs: "Cephalon flew doctors to seminars it sponsored at which paid speakers promoted off-label uses of the opiate narcotic. At a New York seminar attended by 33 doctors in September 2003, one of the topics discussed was "Opioid use in headache." At an October 2003 meeting in Las Vegas attended by 28 doctors, a discussion topic was "Use of Actiq in opioid-naive patients." Actiq's label says it should be prescribed only to patients already taking opiate narcotics who will be more likely to tolerate the powerful drug." "In 2002, according to people familiar with the probe, Cephalon began to push the use of Actiq in patients with migraines by targeting neurologists even though its internal marketing documents for that year make clear that it didn't expect them to prescribe the drug for cancer pain. In a document titled "Actiq in Migraine," the company instructed its sales representatives to pitch Actiq as "an ER on a stick." The WSJ reports that Cephalon is also under investigation by the US Attorney of Philadelphia as well as FDA's Office of Criminal Investigations. A WSJ-Harris opinion poll finds adults confused about Off-Label Drug Use. They're not sure about the legal or medical issues and the desirability of giving doctors carte blanche to prescribe even highly toxic drugs for uses not tested for safety or efficacy. The poll compares the results with an earlier poll conducted in 2004. The tables do not transcribe well in e-mail format. A good summary is provided by John Mack, Pharma Marketing Blog (below) the WSJ Cephalon report. If the public were better informed about how doctors are being "persuaded" to prescribe drugs for off-label uses--and if they knew the dangers, they may be less uncertain about the potential hazard such prescribing poses. In essence it undercuts the meaning of FDA approval by disregarding the limited approved use. [Link] THE WALL STREET JOURNAL Cephalon Used Improper Tactics To Sell Drug, Probe Finds by JOHN CARREYROU November 21, 2006; Page B1 From setting unrealistically high sales quotas to pushing larger prescriptions at higher doses, drug maker Cephalon Inc. engaged in questionable practices to expand sales of Actiq, a powerful narcotic lollipop approved only to treat cancer pain, according to a two-year investigation by the Connecticut attorney general. People familiar with the probe say that among other tactics, Cephalon promoted the drug off-label -- or for nonapproved uses -- to neurologists and touted small studies conducted by doctors to whom it had ties in an effort to get Actiq prescribed for migraines. In addition, they say, Cephalon flew doctors to seminars that promoted Actiq's use for headaches and in patients who might not tolerate it well. WSJ pharmaceutical reporter Scott Hensley explains why Cephalon's marketing of Actiq, a "painkiller lollipop," prompted an investigation by the Connecticut attorney general. Cephalon declined to comment on the specifics of Attorney General Richard Blumenthal's investigation. Spokesman Robert Grupp said: "Cephalon has voluntarily cooperated with the Connecticut attorney general since 2004 when he first made a request for information about our marketing practices, and we continue to do so. Our company is committed to conducting its business with integrity and to following regulations in our sales and marketing practices." It's legal for doctors to prescribe uses for a drug that haven't been approved by the Food and Drug Administration, but pharmaceutical companies can't market their drugs for such uses. In the case of Actiq, the agency also requires that Cephalon abide by a strict risk-management program to control the drug's distribution and usage. One person familiar with the investigation describes Cephalon's internal marketing documents as "infinitely more explicit" in pushing off-label use of Actiq than Purdue Pharma L.P. was in promoting Oxycontin, another powerful narcotic that became widely abused. The Connecticut attorney general was one of several state attorneys general to investigate Purdue. Mr. Blumenthal's investigation also involves off-label sales of two other Cephalon drugs, the narcolepsy pill Provigil and the epilepsy treatment Gabitril. Cephalon is also being investigated by the U.S. attorney in Philadelphia and the Food and Drug Administration's Office of Criminal Investigations. Like Mr. Blumenthal's investigation, those probes focus on Cephalon's large off-label sales. The U.S. attorney and the FDA declined to comment. Mr. Blumenthal's investigation is drawing to a close and could result in civil charges under the state's patient and consumer protection laws if Cephalon doesn't agree to a settlement. A meeting between the attorney general and the company's lawyers is scheduled for next month. If Cephalon opts to settle the case out of court, Mr. Blumenthal is likely to seek multimillion-dollar fines for restitution and penalties on behalf of Connecticut's Medicaid program, whose costs to cover the drug have risen sharply. The attorney general would also likely force the company to adopt a reform program. "We want them to change the way they do business," Mr. Blumenthal says. Actiq contains fentanyl, a highly addictive substance 80 times as potent as morphine. Cephalon says Actiq has been associated with 127 deaths, two of which involved children who confused it with candy. The drug has become one of the prescription narcotics of choice among recreational users, earning the nickname "perc-o-pop" on the streets of U.S. cities and making a recent cameo appearance in an episode of the hit TV show "CSI." In the first nine months of this year, Actiq sales reached $471 million. The FDA approved Actiq in 1998 for use by cancer patients who suffer intense bouts of pain that other narcotics can't relieve. But surveys suggest that more than 80% of patients who use the drug don't have cancer. The trigger for Mr. Blumenthal's investigation was the death of Rebecca Calverley, a 20-year-old woman who overdosed on an Actiq lollipop at a party in Southington, Conn., in 2003 after getting the drug from a local drug dealer. Mr. Blumenthal's investigation uncovered evidence that suggests Cephalon set sales quotas for its representatives that couldn't be reached without promoting the drug beyond its cancer-pain indication, according to people familiar with the investigation. Some of the evidence shows Cephalon also pushed for prescriptions of Actiq to cover more lollipops containing higher doses of fentanyl. Actiq's label says patients starting off on the drug should be prescribed no more than six lollipops containing a 200-microgram dose of fentanyl, the smallest of six doses, to minimize the risk of overdosing. Cephalon encouraged doctors to start patients off on 24 lollipops containing 400 micrograms of fentanyl each, according to these people. The higher dose costs more and brings in more revenue. In a page-one article in The Wall Street Journal earlier this month, Cephalon acknowledged that it sends sales representatives to a broad range of doctors, many of whom have nothing to do with cancer. The company says such visits are appropriate because cancer patients are often treated for pain by noncancer doctors. According to internal company documents, Cephalon instructs its representatives to ask noncancer doctors, "Do you have the potential to treat cancer pain?" Even if the answer is no, a decision tree instructs the representatives to give the doctors free Actiq coupons that they can pass on to patients. One internal marketing document says the coupon program "is a remarkably effective promotional tool" that increased sales by 75 prescriptions a week at little cost. Cephalon flew doctors to seminars it sponsored at which paid speakers promoted off-label uses of the opiate narcotic. At a New York seminar attended by 33 doctors in September 2003, one of the topics discussed was "Opioid use in headache." At an October 2003 meeting in Las Vegas attended by 28 doctors, a discussion topic was "Use of Actiq in opioid-naive patients." Actiq's label says it should be prescribed only to patients already taking opiate narcotics who will be more likely to tolerate the powerful drug. Mr. Grupp declined to comment on the seminars. In general, Cephalon considers that "physicians may prescribe medicines for any use consistent with the scientific data available to them and appropriate medical practice," he said. "The decision to prescribe 'off label' is theirs and theirs alone." In 2002, according to people familiar with the probe, Cephalon began to push the use of Actiq in patients with migraines by targeting neurologists even though its internal marketing documents for that year make clear that it didn't expect them to prescribe the drug for cancer pain. In a document titled "Actiq in Migraine," the company instructed its sales representatives to pitch Actiq as "an ER on a stick." Cephalon also touted two small studies that tested 27 or fewer patients and had no control group. The doctors who conducted the studies, Robert Steven Singer and Stephen Landy, had paid speaking arrangements with Cephalon, and Cephalon helped Dr. Landy with the study he conducted, according to the people close to Mr. Blumenthal's probe. Dr. Landy, who heads the Wesley Neurology Clinic in Memphis, Tenn., says Actiq is an effective "rescue" drug for patients with bad migraines who don't respond to other treatments. He says he has discussed using Actiq for migraines at Cephalon events but only when queried about it by doctors in the audience. Dr. Landy won't say how much Cephalon paid him for speaking. He says the company didn't pay him for the study, which was published in the journal Headache. Dr. Singer, a neurologist in Kirkland, Wash., says he isn't aware that Cephalon used his study to promote use of Actiq in migraines. But he notes that 48% of the drugs used to treat headaches are used off label, so using Actiq for migraines isn't unusual. He declines to say how much Cephalon paid him to speak. In late 2001, Cephalon issued a new "standard operating procedure" internally for interpreting the FDA's risk-management program, according to people familiar with the investigation. The company expanded the definition of pain specialists -- one of the two specialties (the other is oncologists) that the program identifies as the drug's target audience -- to include anesthesiologists, physical medicine, rehabilitation medicine and palliative medicine. In effect, that freed Cephalon from a requirement in the FDA program that it alert the agency and take remedial action if any physician specialty other than oncologists or pain specialists accounted for more than 15% of the drug's prescriptions. Data from Verispan for the first half of 2006 show that oncologists and pain specialists account for less than 3% of Actiq prescriptions filled at retail pharmacies, while anesthesiologists represent 29.5% of prescriptions. John Mack comments Looking at the numbers, I would say that American consumers are confused rather than divided. Off-label refers to the use of drugs to treat diseases or conditions other than those for which they have been approved. Off-label prescribing is legal in the U.S. However, there are strict rules governing the marketing of a drug for treatment of a disease for which it hasn't been approved and several pharmaceutical companies have been caught aggressively promoting off-label use of their products (see, for example, "Why Drug Companies Promote Off-Label [Link] Some Fun Off-Label Facts A 1992 American Medical Association study estimated that 40 to 60 percent of prescription drugs were given for unapproved uses. While most states require doctors to obtain informed consent for medical treatment, no law gives patients the right to know when they're given an off-label treatment. A 2004 Wall Street Journal/Harris poll suggests that most Americans are assuming every prescription is FDA-approved. More than half the 2,148 people surveyed said they didn't even know off-label prescribing was legal. Another 17 percent weren't sure. Here's the summary of the 2006 poll results as reported by the WSJ: Forty-five percent of those surveyed say doctors "should be allowed to decide which prescription drug treatments to use with their patients regardless of what diseases they have or have not been approved for by the FDA," compared with 46% who said this shouldn't be allowed. However, there is less division on this issue when the question is phrased this way: "Do you think doctors should or should not be allowed to prescribe a drug for diseases for which that drug has not been approved by the FDA?" In this case, only 27% answered "Should be allowed" vs. 48% who answered "Should not be allowed." I'm confused. Is it 45% or 27% who agree that off-label prescribing is OK? Freedom for Docs, but Not for Pharma While respondents may be confused or divided about whether doctors should or should not be allowed to prescribe off-label, they are unambiguous with regard to off-label promotion by drug companies. First amendment or no, they are agin' it! Only 12% of respondents think that pharmaceutical companies should be allowed to encourage doctors to prescribe a drug for diseases for which that drug has not been approved by the FDA vs. 69% who say no way! Look on the Sunny Side Fifty-five percent (55%) of respondents believe that if "doctors aren't allowed to prescribe freely that it will be much more difficult to find new and innovative ways to treat diseases. Thirty-five percent (35%) disagree." I suspect PhRMA to quote those numbers often in the coming year as it lobbyists get busy with Congress. (I don't think they'll talk much about the 12% or 27% numbers, though.) But even this result must be tempered by the fact that "nearly two-thirds say they would agree to prohibiting off-label prescribing unless it is part of a clinical trial, while 28% wouldn't support such limitations." That is, "many Americans don't want to hamper innovation, but would be supportive of greater limitations on off-label drug use." Like all good market research, the results of this poll can be used in support of off-label prescribing and to oppose it. Just cherry pick the results you wish to quote and Bob's your uncle! Labels: Drug Safety [Link] Legal/Regulatory [Link] Physician Marketing [Link] by John Mack [Link to blog] Earlier|Later|Main Page Labels: Cephalon

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