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Home » Collection » Nardo di Cione
Nardo di Cione
Florentine, active from c. 1340; died 1365/1366
Miklós Boskovits (1935–2011), "Nardo di Cione," NGA Online Editions, https://purl.org/nga/collection/constituent/1745 (accessed January 19, 2021).
Mar 21, 2016 Version
Although his name occurs in documents for the first time in the years between 1346 and 1348, when he enrolled in the Arte dei Medici e Speziali (the Florentine guild to which painters also belonged),[1] Nardo, brother of the painters Andrea and Jacopo, was already considered one of the leading painters of his city by midcentury.[2] An artist whose paintings have been described as fragile, delicate, dreamy, or remote, characterized by a peculiar, "lyrical mood,"[3] Nardo must have been trained under the influence of such painters as Maso and Stefano. Of the few works by his hand cited in the documents, only the fragments of a cycle of frescoes in the Oratorio del Bigallo in Florence, commissioned in 1363, have survived, but it has been argued, probably correctly, that an image of the Madonna formerly in the Ufficio della Gabella dei Contratti, once signed and dated 1356, can be identified with the panel of the Madonna and Child with four saints now in the Brooklyn Museum in New York.[4] It is also certain that the painter made his will in May 1365 and that by the following year he was already reported dead.
Nardo's catalog has been reconstructed, especially thanks to Osvald Sirén (1908) and Richard Offner (1924, 1960), largely on the basis of stylistic comparisons with the frescoes (Last Judgment, Paradise, and Inferno) in the Strozzi Chapel in Santa Maria Novella, given to him by a trustworthy fifteenth-century source, Lorenzo Ghiberti.[5] The murals, especially the best-preserved scene in the cycle, that of Paradise, described by Offner as "one of the most ambitious and grandiose achievements in a single fresco in Florentine history,"[6] are undoubtedly to be considered Nardo's masterpiece. They must have been painted immediately prior to 1357,[7] when the altarpiece painted by his brother Andrea was installed in the chapel. The close-packed throng of figures in this cycle, men and women of proud mien but also capable of expressing deep emotions, is modeled with extreme care, with delicate passages of chiaroscuro. A series of other paintings with similar characteristics presumably dates to the same period; they include such works as the polyptych formerly in the National Gallery in Prague (now in the Castle of Bojnice in Slovakia), The Coronation of the Virgin in the Victoria and Albert Museum in London, and the two panels with saints in the Alte Pinakothek in Munich. The final phase of the painter's presumably brief career is exemplified in turn by two polyptychs, both dated 1365, respectively in the Galleria dell'Accademia and in the Museo dell'Opera at Santa Croce in Florence. In both altarpieces the marked effects of plasticity and the rigor of the compositional structure reveal Nardo's gradual assimilation of the more essential and severe manner of his brother, Andrea di Cione. Still under discussion are the works produced during the artist's first phase, in the 1340s. We can probably place in it such works as the Madonna and Child in the Minneapolis Institute of Arts or another version of the same subject in the Yale University Art Gallery at New Haven,[8] and the detached mural paintings from the Cappella Giochi e Bastari in the church of the Badia in Florence, presumably completed in part before midcentury.
[1] According to Irene Hueck, "Le matricole dei pittori fiorentini prima e dopo il 1320," Bollettino d'arte 57 (1972): 121, contrary to what previous studies have maintained, Nardo could not have enrolled in the guild earlier than 1346.
[2] According to an undated document probably written shortly after the Black Death, which struck Italy in 1348 (Archivio di Stato, Pistoia, Patrimonio Ecclesiastico C 450), Nardo, together with his brother Andrea, was ranked among the best Florentine painters of the time. Cf. Andrew Ladis, Taddeo Gaddi: Critical Reappraisal and Catalogue Raisonné (Columbia, Mo, 1982), 257.
[3] Cf. Richard Offner, "Nardo di Cione and His Triptych in the Goldman Collection," Art in America 12 (1924): 99 – 112.
[4] Millard Meiss, Painting in Florence and Siena after the Black Death (Princeton, 1951), 15.
[5] "Nardo, ne' frati predicatori fece la capella dello 'nferno": Julius von Schlosser, ed., Lorenzo Ghibertis Denkwürdigkeiten, vol. 1, Commentarii (Berlin, 1912), 40. Cf. Osvald Sirén, Giottino und seine Stellung in der gleichzeitigen florentinischen Malerei, Kunstwissenschaftliche Studien (Leipzig, 1908), 71 – 76; Richard Offner, "Nardo di Cione and His Triptych in the Goldman Collection," Art in America 12 (1924): 99 – 112; Richard Offner, A Critical and Historical Corpus of Florentine Painting: The Fourteenth Century, sec. 4, vol. 2, Nardo di Cione (New York, 1960).
[6] Richard Offner, A Critical and Historical Corpus of Florentine Painting: The Fourteenth Century, sec. 4, vol. 2, Nardo di Cione (New York, 1960), v.
[7] Richard Offner, A Critical and Historical Corpus of Florentine Painting: The Fourteenth Century, sec. 4, vol. 2, Nardo di Cione (New York, 1960), v, 47 – 51.
[8] No. 1943.208; see Richard Offner, A Critical and Historical Corpus of Florentine Painting: The Fourteenth Century, sec. 3, vol. 8, Workshop of Bernardo Daddi (New York, 1958), 115 – 117 (as "Follower of Daddi"); for the attribution to Nardo di Cione, cf. Richard Offner, Miklós Boskovits, and Enrica Neri Lusanna, A Critical and Historical Corpus of Florentine Painting: The Fourteenth Century, sec. 3, vol. 3, The Works of Bernardo Daddi, new ed. (Florence, 1989), 385.
Miklós Boskovits (1935–2011)
Gronau, Hans Dietrich. "Nardo di Cione." In Allgemeines Lexikon der bildenden Künstler von der Antike bis zur Gegenwart. Edited by Ulrich Thieme and Felix Becker. 37 vols. Leipzig, 1907-1950: 26(1932):39-40.
Gronau, Hans Dietrich. Andrea Orcagna und Nardo di Cione: eine stilgeschichtliche Untersuchung. Berlin, 1937.
Offner, Richard. A Critical and Historical Corpus of Florentine Painting. The Fourteenth Century. Sec. IV, Vol. II: Nardo di Cione. New York, 1960.
"Nardo di Cione." In Dizionario Enciclopedico Bolaffi dei pittori e degli Incisori italiani: dall'XI al XX secolo. Edited by Alberto Bolaffi and Umberto Allemandi. 11 vols. Turin, 1972-1976: 8(1975):84-87.
Boskovits, Miklós. Pittura fiorentina alla vigilia del Rinascimento,1370-1400. Florence, 1975: 25-27, 197 nn. 59-62.
Petrocchi, Stefano. "Nardo di Cione." In Enciclopedia dell'arte medievale. Edited by Istituto della Enciclopedia italiana. 12 vols. Rome, 1991-2002: 8(1997):647-650.
Kreytenberg, Gert. "Cione, Nardo di." In Allgemeines Künstlerlexikon: die bildenden Künstler aller Zeiten und Völker. Edited by Günter Meissner. 83+ vols. Munich and Leipzig, 1983+: 19(1998):261-262.
Tartuferi, Angelo. Dal Duecento agli Orcagna: il restauro della Madonna col Bambino di ignoto fiorentino del Duecento e del trittico di Santa Maria degli Angeli di Nardo di Cione. Livorno, 2001: 27-73.
Boskovits, Miklós. Italian Paintings of the Thirteenth and Fourteenth Centuries. The Systematic Catalogue of the National Gallery of Art. Washington, 2016: 314.


"Petys į petį" is an old term in Lithuania meaning to have shoulder to shoulder - to support each other. In other words it is called "Team building". "Petys į petį" is suitable for groups who want to improve working together and learn more about each other. The goal of these events is to provide an environment where development of team spirit, encourage mutual understanding and having a great time is emphasized. Participants are faced with competitive individual & team challenges and vary from light to more advanced situations. If your expectations are to boost motivation and loyalty of the employees or clients then this is the solutions which meet your needs.
The goal of these events is to provide an environment where development of team spirit, encourage mutual understanding and having a great time is emphasized.
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Folk Evening, Feast of the Nobles, Caribbean Summer Party, Military Action Day, Pirate Conquerors, Wild West Cowboy, James Bond Film Event, Back to the Lithuanian Farm, The three Musketeers, We are Vikings, Medieval Warfare & Feast, Back to USSR - Soviet Experience, North American Indian, Arabian Nights, Hawaii – Aloha..and much more… !!!


You know the feeling you get when you watch your team play?
Mixed emotions before the game, the heartbreak when your team loses, and pure happiness when your team wins the game?
To some, watching sports is a form of entertainment, while for others, it's a way of life.
With so many sporting events right now for fans to enjoy, sports marketing is one of the most important pillar for these events.
So what exactly is sports marketing?
There are many ways people consume sports, hence, sports marketing can take on many forms.
Marketing sports as a product involves organisations planning, executing and advertising sporting events.
On the other hand, marketing through sports is making use of sports to sell one's products or services. Let's look through some examples.
We have seen Coca-Cola use this form of marketing through many different campaigns. And of course, how can we forget Procter and Gamble's "Thank you, Mom!" campaign during the Olympics.
These are just some examples of marketing through sports.
Without marketing, sports would not have as much of an impact on the world today.
Many sporting events rely heavily on marketing.
Otherwise, how can one support their favourite football club or attend games without anyone marketing these clubs or events?
It would be impossible sports to entice huge crowds to watch a game without marketing.
How has sports marketing changed over time?
Sports marketing is not something new. In fact, it has been going on for the past century since sports became a profession.
Think along the lines of advertisements broadcasted through the radio, newspapers, and later, through television.
Now, with the advancement of technology, there are many more channels where sports marketing agencies can tap onto. This includes the likes of the internet and social media.
An example would be how football clubs have embraced social media as a powerful tool to market their brand. From attracting new fans to promoting upcoming matches and also running campaigns, they've taken their marketing online.
Check out some of the top sports marketing campaigns in 2017.
Being one of the pioneers of sports marketing in Asia, Red Card Global was responsible for designing, negotiating sponsorships and event programs for blue chip organisations. This includes the likes Canon, YKK and Toyota.
One of our most successful events was the Canon Lion City Cup.
This premier youth football tournament gave young footballers from the top developmental sides in Singapore and all over the world a chance to showcase their talent and compete against each other.
We believe that these events should not only be a mere experience, but something to build relationships and unite people.
This is essentially what sports marketing is.
It is more than just fans watching their favourite team play. It is what happens behind the scenes, what happens before the actual event itself.
More so, it is about the power of sports to unite people of different backgrounds towards one common interest.
Sports marketing has been in the market, and will be in the market for a very long time.


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NewsBlack History Month
Detroit artist Sydney James celebrates Black women, Detroit through her work
"Malcolm X said the Black woman is the most oppressed person in this country, and that has not changed," Detroit artist Sydney James said, standing in front of the 8,000 square-foot western wall of the Chroma building she and her team transformed this fall.
By: Jenn Schanz
DETROIT (WXYZ) — "Malcolm X said the Black woman is the most oppressed person in this country, and that has not changed," Detroit artist Sydney James said, standing in front of the 8,000 square-foot western wall of the Chroma building she and her team transformed this fall.
When she was commissioned to create a mural to cover the empty wall, James referenced a familiar scene; Vermeer's 17th-century oil on canvas "Girl With the Pearl Earring."
She used the iconic painting as a vehicle to tell a different story; one she said is not told often enough.
"We're too loud, our booties are too big, our lips are too big. Yep. All of that. And I want to put all of that as big as I can on a wall," she said. "Because all of those things are not negative things at all but we're treated like they are."
James' mural tells a Detroit story; at the center of it is a proud Black woman sporting earrings with the Old English 'D,' synonymous with the Motor City.
"This is a strong woman, this is a Detroit woman. She has to get it done no matter what," James said of the woman depicted in the mural.
The piece is appropriately called "Girl With the D Earring"
"Oh that looks familiar but it's not how I know it," James said of the Vermeer inspiration. "I do that because compositionally I want the viewers to feel familiar."
James also included an ode to local businesses in the mural, many now closed; the names of which are displayed on the woman's clothing. James did that she said, to represent the businesses that made the neighborhood what it is.
Like the woman in the mural, James too is a product of Detroit.
.@SydneyGJames said a lot of things that stuck with me during a recent interview. This perhaps the most.
"Forget trying to be at somebody else's table. Make your own table. Sit on the floor if you have to, it might be more comfortable."
Watch @wxyzdetroit tomorrow at 6:40 a.m. pic.twitter.com/gI7s9Ya9BK
— Jenn Schanz (@JennSchanzWXYZ) February 10, 2021
"I first picked up a pencil, brush when I was three-years-old and I probably knew I was going to be a professional artist at nine," she said. "Cass Tech had a stellar commercial arts program. I graduated CCS in 2001 out of their commercial art program."
James, who's also worked in the corporate world, said her parents were very supportive of her art growing up.
"I was allowed to paint on my clothes. I was allowed to paint on my shoes," she said.
Painting on shoes is something she's still doing now, sort of. During the month of February James is partnering with Vans to create custom designed shoes with her artwork on them.
Vans is also working with Detroit artist Tony Whlgn and two artists from the Bay Area on this project James said, which showcases four different shoes by four different Black artists.
"Vans will be donating $40,000 to the Black Arts Future Fund - an organization that uplifts and enhances the future of Black arts and culture. This donation will fund granting efforts to small and community-based Black arts organizations across the country," a release about the partnership said.
James didn't start creating larger scale murals until a little later in her career; she's been a professional artist now for about two decades.
It was the re-creation of a monument to Malice Greece she said, that brought her out of a dark place during the pandemic. The original monument to Green was destroyed.
"It's crazy that tragedy is what pulled me out of my hole because like many families I suffered a lot of losses during COVID," James told Action News.
Creating the monument was emotional and painful for James and her team. They crowd-sourced the money to fund the project in a matter of days.
In 1992, two white Detroit police officers in plain clothes beat 35-year-old Malice Green to death on the city's west side.
Green is depicted in the mural, which sits on the side of the Hamilton-Tucker gallery which James co-owns; he's holding a scroll, where James added the names of hundreds of other people, all Black and Brown, also killed by police.
"That's only about a year-and-a-half worth of names. And it was outdated the day after we completed the wall," she said.
It was about six years ago that James really started focusing on racism and police brutality in her artwork.
"It probably started with Michael Brown but it didn't really drive home until Sandra Bland. And then the countless other Black women that were also affected by police brutality."
"If the Black woman can get any type of recourse, every other woman will too. Every other person will," she said.
As far as her career masterpiece, she said she hasn't made it yet.
"I think actually my masterpiece won't be a piece of art. I think my masterpiece will be the collective I build," speaking about the other artists she works with and the aspiring artists she mentors.
James said one day she'd like to open an art institute for kids in Detroit.
"Forget trying to be at somebody else's table," James said. "Make your own table. Sit on the floor if you have to, it might be more comfortable.

redpajama_set_name: RedPajamaCommonCrawl


Balancing the root chakra creates the solid foundation for opening the chakras above. The root chakra is comprised of whatever grounds you to stability in your life which includes food, water, shelter and safety. Boost positive energy in your food with this unique coaster.


The team of six – four based at SuperControl HQ in Castle Douglas and two from the company's office in Poland organised some fun challenges to raise funds for this worthy case, including a race day at the office and a 630-mile virtual cycle race to Eindhoven in the Netherlands.
Team member, Jo Blaylock, explains, "Our committee's term started in September 2017. We wanted to do something fun which everyone could get involved in, and to create some healthy competition along the way.
The team also organised a race day at work, where colleagues dressed up for a day at the races and enjoyed a little flutter and participated in a running race around the building – on mops and brooms!
Dumfries and Galloway Sands Chairperson, Alison Hall and Vice Chair Susan Dalgleish visited SuperControl's office in Castle Douglas today, where they were presented with the cheque by charity committee members John Temke and Jo Blaylock, and SuperControl's Product Director Robert Kennedy.
SuperControl is the online booking and management system used by 1,700+ self-catering owners, managers and holiday rental agencies to run more than 30,000 properties in the UK and worldwide.
It is the UK's most fully featured self-catering solution on the market with offices in Castle Douglas and Scotland.


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Coaching, Legal Marketing Education
7 Courses Offered by Crisp Academy that Your Marketing Team Needs to Take
12–15 minutes to read
In the legal world, it's not enough to hire a marketing team and hope that they know what they're doing.
With new platforms and constantly-evolving markets, even a 5-year-old marketing degree (or no marketing degree at all) is not enough to stay ahead of the curve. Each team member needs to learn and evolve to help your firm grow.
But a well-read team doesn't necessarily mean a group of high-performing marketers — at least not in a law firm.
The internet is full of misinformation and false gurus and can be a massive time-sink for your firm. Your team needs a reliable source for cutting-edge marketing strategies, funnels, and more. Without it, it's easy to get lost and continue to make costly mistakes with your branding and marketing efforts.
We'll cover:
The most common law firm marketing mistakes
Not keeping up with the ever-changing digital marketing landscape
Focusing only on short-term conversions and ignoring long-term marketing strategies
Spending on ads without tracking results
Not leveraging video and social media to build their brand
Crisp Academy courses to solve your firm's marketing problems
Content Marketing Mastery
Email Marketing Mastery
Paid Traffic Mastery
Conversion Funnel Mastery
Optimization & Testing Mastery
Launching a 3-Part Foundational Facebook Funnel
Launching a Brand-Building Social Media Strategy
We've worked closely with hundreds of law firms and helped them get better results from their marketing efforts.
When analyzing pre-optimization campaigns, over time, we have noticed a pattern. The majority of law firms make similar mistakes, and we've covered the 5 most common ones below.
1. Not keeping up with the ever-changing digital marketing landscape
Digital marketing changes constantly. What worked in 2019 won't work today, and what works today will be obsolete in 18 months.
For attorneys and novice marketers, it can be a challenge to understand the latticework that is an efficient multi-channel digital campaign.
A seasoned digital marketer will use different platforms and channels together to get better results than just advertising in one place alone.
For example, they could use a social media ad campaign (Facebook, YouTube, Instagram, Linked, etc.) to target their ideal clients, create a custom audience of people who visited their site, then retarget those prospective clients with more detailed ads. Once those people submitted their contact information, an automated, optimized email campaign would be sent.
Managing an optimized campaign like that is intimidating and complicated.
But the potential business growth is more than worth it.
It's essential to educate your firm's team on paid traffic, social media, SEO, and other channels to create an effective multi-channel marketing approach.
2. Focusing only on short-term conversions and ignoring long-term marketing strategies
Another mistake is to focus solely on pay-per-click (PPC) and think that you're effectively marketing your law firm.
Not to mention how expensive it is.
The legal industry pays more than any other industry for a click on their PPC ads, and both "Lawyer" and "Attorney" are among the top 10 most expensive keywords on Google.
Instead, consider creating a scalable multi-channel marketing approach.
Create a high-quality branding video that shares your law firm's story and UVP.
Clip it into segments that can be used in Facebook, Instagram, Linkedin, and YouTube ads.
Create targeted ad campaigns that both increase awareness of your firm and send people to your website.
Use retargeting and email to nurture your prospective clients until they get in touch and arrange a consultation.
This kind of campaign can (unlike PPC) drive an incredible return on investment.
It's long-term, multi-channel marketing campaigns like this one that helped The Law Office of Travis J. McConnell increase his firm's profits by 143%.
To learn more about the growth strategy used by Travis McConnell, check out his case study.
3. Spending on ads without tracking results
Another common issue we see is legal marketing teams that spend a huge amount on marketing initiatives without effectively tracking their results.
And it's a mistake. Companies that track their marketing are 17x more likely to see a positive return on investment than companies that don't.
Without proper conversion tracking, you're blinding yourself to the possibility of improvement.
It's a no-brainer.
Let's say you have a marketing budget of $10,000…
You create five ad campaigns on Facebook, Google, YouTube, Instagram, and Linkedin and invest $1,000 in each.
You're left with $5,000. Where do you put it?
Effectively tracking your results enables you to confidently place that budget in in the campaign that performs best, thereby maximizing the return on your budget.
For instance, if you track your cost-per-click on four different social media platforms, you might find something like this:
Without detailed analytics, you might throw money into Facebook and Twitter because the cost-per-click is lower.
But what about the conversion rate on your website? If leads from LinkedIn are converting at a rate 15x higher than leads from Facebook (or if their cases are worth 15x as much) the platform may be more than worth the investment.
Want a shortcut to all the essential details on modern social media advertising? Our on-demand webinar, "5 Ways to Know If Your Law Firm's Social Media is Working" provides a crash course in which strategies you should be using from the beginning, and how to know your social media efforts are actually worth it.
4. Not leveraging video and social media to build their brand
Very few law firms take advantage of the most powerful digital tools for brand building. They pay someone to create their website, add a few consultation forms, and call it a day.
But to really reach your target audience and build real trust without ever calling or meeting someone, you need to leverage the two most powerful digital platforms: video and social media.
A few stats that show the impact of video:
87% of Twitter users (for instance) say they'd rather watch a video than read text.
Your prospective clients are over 27x more likely to click on an online video ad than an ad with a static image.
Viewers retain 95% of a video's message compared to 10% when reading text.
A few stats that show the impact of social media:
Facebook alone has more than 2.45 billion monthly users and 1.62 billion daily users (so you can bank on your firm's target clients being on it).
The Facebook and Instagram advertising platform offers unparalleled targeting, enabling your business to show your ads exclusively to the people most likely to be interested in your legal services.
Combining the two offers a powerful one-two punch for your law firm.
The Berry Law Firm demonstrates just how effective YouTube videos can be for law firms:
Educational videos and brand videos have generated thousands of views from people invested in learning more about veterans' legal rights (the Berry Law Firm's target market).
The Berry Law Firm's videos have, to date, driven more than a million views and reached more that 275,000 prospective clients.
Not following these footsteps is perhaps the greatest marketing mistake on this list. But most law firms and attorneys still shy far away from the camera.
The good news is that all these mistakes are avoidable. Your team can overcome them with the right training and tools.
And that's precisely why we've teamed up with DigitalMarketer to release Crisp Academy.
Crisp Academy is a comprehensive learning and training platform designed to take your team's marketing and business development skills to the next level.
We share insider information gleaned from generating over $150,000,000 in revenue for law firms around the globe.
Below, we cover a snapshot of the content offered within Crisp Academy — 7 of the most high-impact courses that will help your team achieve your firm's growth goals, and avoid the pitfalls mentioned above.
Relevant courses:
Content marketing is the go-to marketing tool to establish a brand online. That is especially true for professional industries like legal.
Prospective clients want to find an attorney they trust — someone experienced with cases just like theirs.
The numbers show why law firm content marketing is essential in 2020 and beyond:
47% of buyers engage with 3-5 pieces of content before starting the sales process.
Content marketing gets 3 times more leads per dollar than paid search advertising.
This course will help your team master all aspects of modern content marketing.
What your team will learn in this course:
Why "content is king."
How to plan, craft, and execute a content strategy that spreads your law firm's message and provides meaningful value every step of the way.
How to research words and phrases your potential clients search for.
How to identify and separate high-reward keywords from the rest.
On-page and off-page SEO strategies and techniques.
How to ideate, plan, and create content search engines love.
Prior experience doesn't matter — this course will turn amateurs into content marketing experts.
Many "gurus" will tell you that email is dead and that you should focus on other channels.
But even in the age of social media, email is still one of the most reliable marketing channels.
Email marketing is the primary lead generation channel for 89% of marketers, 54% of whom say it's the most effective and cheapest digital marketing channel.
In industries with long, relationship-focused sales processes, email can be a crucial differentiator.
Ring a bell? Email marketing is a perfect match for law firms.
At Crisp, we've helped hundreds of law firms use email to connect with their prospective clients, and this course features everything we've learned.
Essential email marketing tools, strategies, and tactics.
How to use autoresponders to automate follow up emails.
The 3 different types of email and the 2 different ways to send emails.
How to create 30 and 90-day promotional calendars for email marketing.
How to storyboard and write email campaigns to keep your subscribers engaged and turn them into brand evangelists.
The psychology of writing persuasive emails.
After taking our course, your law firm's email marketing campaigns will be turning prospects into clients on autopilot.
You can't afford to ignore Facebook and Google Ads.
They are, alongside content marketing, one of the best ways to put your law firm in front of prospective clients.
Content marketing, while powerful, is time-consuming and (in terms of time) expensive.
With paid traffic, you can invest in ads to reach the same audience of potential clients.
This course will teach your team mastery of using PPC ads to drive traffic, leads, and clients to your firm.
How to effectively advertise on Facebook, Google, YouTube, and LinkedIn.
How to leverage the most popular traffic channels to grow your client base at a profit.
How paid traffic fits into your prospect's journey to becoming a client.
Proven strategies for automating relationship-building tailored to your ideal audience.
How to set up, launch, and track ad campaigns with bidding, budget, and ad placement in mind.
Master paid channels to consistently drive leads and clients at a profit.
Most law firms create a website, set up a contact form, and then dust off their hands, thinking they are done.
That couldn't be further from the truth.
Getting visitors to your website is not enough. The average conversion rate is only 2.35%.
Out of every 100 potential clients, less than 3 ever get in touch. If you can improve the conversion rate even slightly, the ROI of every campaign will improve drastically.
That's where conversion funnels come in. A funnel creates a logical journey that turns a website visitor, first into a lead, and then into a client.
This course will help your team understand the ins and outs of the conversion funnel.
What a conversion funnel is and how to identify the journey your leads take before they become clients.
How to optimize your conversion funnel for maximum effectiveness.
The process of Customer Value Optimization.
How to craft marketing messages custom-tailored to your market.
Create a funnel that turns quality leads into ideal clients automatically.
Some webmasters think that installing analytics tools is enough to find insights and improve conversions.
But data is only useful when you can compare notes on different approaches.
For websites, A/B tests are the foundation of optimization and improvement.
Conversion rate optimization (CRO) tools have an average ROI of 223%. A single A/B test can have dramatic results. For instance, one website was able to get 256% more leads by testing a new, mobile-optimized landing page.
This course will give your law firm's team a framework for creating and running meaningful tests. They will learn every stage from test ideation to measuring and analyzing the results.
Advanced optimization tools and platforms.
How to develop a repeatable optimization process to increase conversions in your funnel, landing pages, and key conversion pages.
How to run a conclusive A/B split test that delivers data you can trust to make informed decisions.
How to identify test-worthy pages on your site.
Improve the return-on-investment for all your campaigns with testing and optimization.
Facebook has over 2,4 billion monthly active users. They also own Instagram, which has over 1 billion users. The combined audience size is, far-and-away, the largest of any social network.
And the reach isn't the only reason to run a Facebook advertising campaign.
Organic reach for Facebook business pages can be as low as 2%.
But, at 1.61%, legal has the best Facebook ad click-through rate of any industry.
The average cost-per-click for Facebook ads in the legal market is only $1.32. Google Ads clicks for legal keywords cost, on average, $6.75. So it's much cheaper to reach your target audience with Facebook Ads.
But that audience isn't searching for a legal answer to their needs (as they are with Google). That's why you need a Facebook ad funnel — a structured and optimized campaign designed to turn interested someone browsing their Facebook newsfeed into a client.
Achievable business objectives, where they line up on your conversion funnel, and how much you can expect to pay for each.
How to create a Facebook strategy that aligns your law firm's business goals with your content and targeting.
How overall structure impacts your ads, ad sets, and ad campaigns on Facebook.
How to assemble your content, build your audiences, and optimize your funnel on Facebook.
Master Facebook ads and create a funnel that generates quality leads like clockwork.
Smaller law firms think of branding as something reserved for the Coca-Colas and Nikes of the world.
That's one of the reasons they tend to stay small.
Branding is, in fact, the thing that differentiates your firm from competitors. It is especially important for smaller firms.
Building a community around your law firm's brand is crucial to your growth:
72% of users following businesses on Twitter are more likely to make a purchase in the future.
91% of consumers want brands to be authentic with their social media content.
Unfortunately, most attorneys are somewhat in the dark when it comes to navigating the world of social media.
This course will change that.
How to brainstorm and effectively communicate a branding strategy on social media.
The tools you'll need to launch an effective social media strategy.
How to effectively engage with your followers and drive more conversions from your social media channels.
How to create a diverse variety of quality content for social media (even with limited time and resources).
How to create a predictable social media calendar to continue sharing and engagement throughout the year.
Use social media to build a brand that attracts your ideal clients and makes leads easier to close.
Navigating the world of marketing in the digital age is not an easy task even for the most prominent law firms in the world. For smaller firms, it can seem outright impossible.
But it doesn't have to be that way.
The courses we covered in this post (just a glimpse into what's offered within Crisp Academy) will help even the most out-of-date marketer get up to speed. Get inspired by cutting-edge strategies to create an online presence that enables your law firm to reach new heights.
If you want to educate your team on how to leverage new digital tools to drive long-term law firm growth, ask us about Crisp Academy today.
Crisp Academy is exclusively available to members of the CrispX Game Changer and Crisp Coach Elite coaching programs.
Want to Take Your Firm to the Next Level?
Attorneys who work with Crisp Video see an average return on investment of 300% and a 2-10X increase in their average case values.
How a Workshop Group Can Help You Grow Your Law Firm
The 5 Essential Roles in the Ideal Law Firm Marketing Team


Within the Mortgage industry, originators need to process loans in bulk. A proven OCR tool can do the job for you and save you 50% turn time, and that too with no upfront costs.
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Within the Mortgage industry, there are several instances where originators must process loans in bulk. For example, a wholesaler trying to process multiple files uploaded by brokers across the states at one go; a correspondent lender selling loans in bulk to the principal (and indexing those loans per stacking orders handed down by the principal). Much of this work would be impossible without OCR.
You can upload 3-5 documents totalling to 25-45 pages. File size should not be more than 5MB per file. File formats should be either in .pdf or .jpg. Image quality needs to be clear and visible.
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In case of any errors in files uploaded, our team will get in touch with you, else we will send the output within 4 business hours as an email attachment.
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text:
Sinhala | Tamil
International Campaign To Abolish Nuclear Weapons Receives The 2017 Nobel Peace Prize
The Norwegian Nobel Comittee on Friday named the International Campaign to Abolish Nuclear Weapons (ICAN) as the 2017 Nobel Peace Prize laureate. The committee said ICAN had received the prize for "its work to draw attention to the catastrophic humanitarian consequences of any use of nuclear weapons and for its ground-breaking efforts to achieve a treaty-based prohibition of such weapons."
"We live in a world where the risk of nuclear weapons being used is greater than it has been for a long time. Some states are modernizing their nuclear arsenals and there is a real danger that more nations will try to procure nuclear weapons, as exemplified by North Korea. Nuclear weapons pose a constant threat to humanity and all life on earth," the Nobel Committee said. It added: "It is the firm conviction of the Norwegian Nobel Committee that ICAN, more than anyone else, has in the past year given the efforts to achieve a world without nuclear weapons a new direction and new vigor." The committee also emphasized that awarding the Nobel Peace Prize to ICAN was meant to send a signal to nuclear-armed states to consider their responsibilities with regard to disarmament.
Positive international reactions
A spokeswoman for the German government said Germany supported the goal of a world without nuclear weapons and congratulated the committee on its decision. The UN called the award "a good omen" for the eventual ratification of a treaty banning nuclear weapons that was signed by 122 countries in July. ICAN played a major role in bringing about the treaty. However, the agreement is largely symbolic, as none of the nine known world nuclear powers signed up to it.
NATO reservations
NATO has given a far more reserved reception to the announcement of ICAN's win, saying "realities" of global security must be considered in all bids to ban nuclear weapons. NATO Secretary-General Jens Stoltenberg said it was good that the Nobel Committee had drawn attention to the issue of disarmament with its choice and that the alliance continued to be committed to creating the conditions for a world free from nuclear weapons. But he reiterated his criticism of the recent treaty, saying that a "verifiable and balanced reduction of nuclear weapons" as enshrined in the Nuclear Non-Proliferation Treaty should be the emphasis for now. NATO would remain a nuclear alliance as long as nuclear weapons existed, he added.
Coalition of grassroots groups
According to its own description, the Geneva-based ICAN brings together grassroots non-government groups in more than 100 nations to form a coalition. It started off in Australia, and was officially launched in Vienna in 2007.
Courtesy:DW
© 2019 Asian Mirror (pvt) Ltd


What You'll Need: scriptures, GAK 212/GAB 39: The Sermon on the Mount, GAK 240/GAB 1: Jesus the Christ, house printouts, clear packing tape, scissors, medium size rock, sand (available at craft stores OR substitute white sugar), two pie plates (or plastic disposable plate with rims), small cup filled with water.
Quote: Neil L. Anderson - "The stories of Jesus shared over and over bring faith in the Lord Jesus Christ and strength to the foundation of testimony."
When Jesus was on the earth, He traveled around the land of Jerusalem and taught people how to be happy. He taught them that they should be a good example to the world. He taught them that it was wrong to be angry with or hate anyone, even their enemies. He taught the principles of prayer, forgiveness and kindness.
One day, Jesus was teaching his Apostles. He said that to live with Him in the kingdom of heaven, His disciples needed to learn the gospel and to live it. He then told them a special kind of story, called a PARABLE, which teaches us a lesson by telling a story first and then explaining how the story can help us choose the right. The story he told them is called The Parable of the Wise Man and the Foolish Man.
Jesus told them a story about a Wise (or very smart) Man who built his house upon a strong rock. And then there was a big storm. There was wind and rain and floods, but the house built on the rock was okay because it was built on something so strong.
Then Jesus told them about a Foolish (or not very smart) Man who also built a house, but he built his house on sand. And then there was a big storm. There was wind and rain and floods, and the house built on the sand washed away with the water because it was built on something not strong.
Then Jesus explained the story to them. He said that people who choose to make choices based on the teachings of Jesus will always be safe and strong, because Jesus is like the strong rock. And when our lives become difficult or we face the consequences of our good choices we will be safe and happy. Jesus said that people who choose to make wrong choices and ignore the teachings of Jesus will not be safe. When our lives become difficult or we face the consequences of our bad choices we will not be happy and sometimes we may suffer for our choices.
Bear your testimony about a specific time in your life when storms raged around you and you were able to overcome because of your testimony in Jesus Christ.
Thanks again for the wonderful lessons. They are so nice and at my children's level. Btw, I thought you did an awesome on the news, such an inspiration!!
Just found your wonderful site and am using "The wise man and the Foolish Man" lesson tonight for FHE. My little boy is autistic and it is sometimes very difficult to engage him and get him to participate in FHE. He absolutely loves the above Primary song and I know he will love this lesson. Thank you again.
Thank you again as well! I really appreciate your work and effort to help more than just your family try to hold regular family home evenings! It helps!! You are awesome and amazing!
Thanks for your hard work! I will admit that I have been lazy with FHE and am looking forward to being more consistent!!
I love the object lesson. My kids will be sooo excited when I pull this out tonight!! Thanks so much!!
I found your site awhile ago, but we haven't really used it. I'm making a goal to have FHE every week and I know by using your site I'll be able to accomplish it. Thank you so much for the hard work you do by putting these lessons together!
Thanks so much for taking the stress out of planning a meaningful FHE for my family!
This lesson is great! I love the object lesson to go with it. When I saw the supplies, I immediately thought it would be the whole filling a jar with rocks and sand, and you have to put the rocks in first. It was a pleasant surprise that it wasn't that idea (although it is a good one, I just see it a lot). I think this will be even more fun for the kids! Thank you.
Thank you so much! I am trying to be consistent and good about Fhe and your site came as a blessing, I'm using this lesson tomorrow, my first day of doing things right! Thank you! My girls will love it I'm sure.
My little 3 year old keeps singing the song about the Wiseman and the Foolish man. I think this lesson will keep her attention!! Thank you!
Thank you! I was trying to explain this parable to my kids and totally confused them by telling them Jesus was like a rock. My daughter asked, "But he can talk right?" Hopefully this will help me clear things up! You're so awesome, thanks for sharing your lessons.
Great for kids! Thank you!
Thank you so much for sharing your lessons. I appreciate your effort and inspiration. I'm excited to teach one of them to my boys.
Thank you again! My kids love your lessons!
Thank you again for your amazing website. I keep coming back. We will be using this one later this month along with the Our Feelings lesson!
Thank you for this lesson! I like the condensed story that my 6 year old can read to the family. Great job!
I love your lessons! I can't seem to get the PDF for this one though... it says it can't be found when I click on the link.


text:
Trolejbusy w Erywaniu − system komunikacji trolejbusowej działający w stolicy Armenii, Erywaniu.

Trolejbusy w Erywaniu uruchomiono 16 sierpnia 1949. W 2020 r. w mieście działało 5 linii trolejbusowych.

Linie
Stan z 2020 r.:

Tabor
W marcu 2021 r. ilostan taboru był następujący:

Przypisy

Bibliografia
 transphoto.ru

https://www.yerevan.am/ru/transport-department/
http://phototrans.pl/24,16725,0.html

Erywań
Transport w Erywaniu

redpajama_set_name: RedPajamaWikipedia


text:
Double Up é o décimo primeiro álbum de estúdio do cantor norte-americano de R&B R. Kelly. O primeiro single do álbum "I'm a Flirt" com T.I. e T-Pain atingiu a posição número 1 na Billboard Top 40 e também conquistou o primeiro lugar na Hot Rap Tracks.

O álbum possui um grande número de convidados como Swizz Beatz, Snoop Dogg, Nelly, Chamillionaire, T.I., T-Pain, Usher, Huey, Ludacris, Kid Rock, Polow Da Don, Keyshia Cole, com a produção de The Runners, Mysto & Pizzi and Kelly. R. Kelly começou a divulgação desse álbum no YouTube.

Assim que o álbum foi lançado as músicas foram colocadas Internet. O segundo single "Same Girl", com a participação do cantor de R&B Usher; "Rise Up", uma faixa presente apenas na América do Norte é um tributo as vítimas do massacre em Virginia Tech. Em 21 de Maio o álbum foi totalmente colocado na Internet para download.

Faixas

Posição

Álbuns de 2007
Álbuns de R. Kelly
Álbuns de R&B
Álbuns de soul
Álbuns de hip hop
Álbuns produzidos por R. Kelly


Internet Reputation Repair offered by Phoenix-based JW Maxx Reputation Solutions offers some basic tips. Becoming an online entrepreneur is not easy if your reputation doesn't add up. For a successful Internet reputation repair, you need to have the required tools that will help you fix the problem.
A reliable damage control system that will ensure successful Internet reputation repair and restore positive perception about your company or yourself is all based on your understanding of reputation control and choosing a company like JW Maxx Solutions.
Your business's reputation and your reputation are not any different. If you are the CEO of a particular company and end up receiving negative criticism in social media, or other platforms the organization will have no option but to let you go.
For business owners whose companies have suffered due to bad online reputation, internet reputation repair has provided them with a reason to keep smiling and interacting with their customers and fans. JW Maxx Solutions notes that to succeed in the suggested Internet reputation repair process; there are a couple of tips and tricks that could help you stay ahead and in return counter all published information online that could lead to continued criticism and unfavorable reviews about you.
Even if someone has already received negative information about you, it is easy to control what that person will read and turn from the rumors. Every person in search of any data about someone will start by using Google or other search engines to know more about the person.
Incidentally, if the negative information appears on the first page of Google, it would be a bit difficult to change it unless you hire a professional Internet reputation repair expert to push it to the fifth or sixth pages. JW Maxx Solutions uses various techniques to achieve its objectives. It also uses the same methods to mirror content that speaks positively of you to the first page of the search engine.
Social media sites are highly indexed when compared to personal websites and blogs and hence why opening either a business or individual account on any of those social media sites can help you control information viewed by fans. But it is not easy to achieve this, even with those strategies; you still need someone who understands how Facebook, Google+, Twitter, YouTube or LinkedIn will work to promote those results and this is where JW Maxx Solutions comes in.
Usually, the content published will be significant towards repairing your reputation based on the embedded information; the most challenging part is optimizing it in such a way that it successfully becomes a productive asset that will aid in a proper Internet reputation repair process. Pushing down the negative and overpowering with the positive press is the key.
JW Maxx Solutions has all human resources needed to achieve excellent results. If you are willing to put in the hard work write articles and post them, then make videos and upload them to keyword rich text don't worry. Just call us we can help. We provide positive media solutions to growth-oriented companies.


text:
Jesus "Chuy" Medrano earns lifetime achievement award
The 2021 Bob Cannon Award Lifetime Achievement Award recipient was Jesus 'Chuy' Medrano, honoring his commitment and contribution to the landscape industry and ALCC, and to improving the professional image of the industry.
Medrano has long been recognized as a leader. Since the 1980s, he has been a tireless advocate for the landscape industry at the local, state and national levels. He was named to NALP's 2017 Leadership Class during the GIE+EXPO, an honor that recognizes individuals who "work hard to empower their colleagues and the industry to grow and succeed."
Medrano has been a public face of the Colorado landscape industry, sharing his company's story with the media, and answering consumer questions as a volunteer with ALCC's Garden Line 9 project.
Beyond ALCC, he helped found the National Hispanic Landscape Alliance (NHLA). Nationally, Medrano has helped promote careers in the landscape industry and sheds light on the challenges the green industry faces. His struggles with the labor shortage were profiled in 2017 by The Washington Post.
Through CoCal, Medrano supports the future of the industry, encouraging his team to participate in the Landscape Career Pathways program and to visit local schools to help young people learn about career opportunities. Medrano has mentored his children to become leaders as well. Marisol Medrano Mejia is a leader of NALP's Latino Landscape Network (formerly NHLA). Sons Jody and Carlos complete "Team Medrano" and are leading the company with their father.
In the nearly three decades since Medrano co-founded CoCal Landscape—but later bought out his partner—it is clear that people are his priority. These 'people' include employees, customers, vendors, temporary workers and communities. According to Medrano, the CoCal team has always believed in helping the community and others in need, whether in the neighborhood or across the border in Mexico. He once admitted to Colorado Green, "People are my thing. I care about relationships."
Troy Sibelius is ALCC's Person of the Year
Kim Douglas receives award for service to landscape industry
Jessi Burg receives Outlook Award
The Volunteer Service Awards issue


Returning Hatters midfielder Alex Lawless is hopeful of being included when Luton make the long trip to Plymouth Argyle this weekend.
The 29-year-old was involved for the first time since October 25 when he played the first half of Luton's Development League Cup clash with Brighton on Monday afternoon.
When asked if he felt ready for a first team recall, Lawless said: "I've been in training for a week now and had 45 minutes, so I'd love to be involved in the squad.
"But we've got a big squad, a competitive squad, so I'm just going to go with the flow at this point.
Although Plymouth have an impressive record at Home Park this season, they lost 2-1 against Oxford during their last game, and are winless in their past four matches.
Lawless was confident about Luton's chances of gaining a result though as the side aim for back to back titles and also gave his thoughts on Town strengthening their squad during the transfer window.


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Improving mental health outcomes will tell us a lot about society
31 Oct 2018 Ryan Miller Last updated: 31 Oct 2018
Photo by Sydney Sims on Unsplash
This could prove to be a good week for mental health provision in Northern Ireland. Maybe. Not just because of more money for services - the City Deal could help, too. And it might have to.
Mental health has been in the news a lot this week.
Chancellor Philip Hammond has announced an extra £2bn for mental health services in England by 2023/24, as part of an overall £20bn injection of funding for the NHS (both figures are in real terms).
Currently only £12bn a year is spent on mental health services in England so an average increase of £400m per year is massive, with the money is earmarked to ensure that mental health support is available 24/7 at every large emergency department.
It is also set to provide more mental health ambulances, community outreach services and various schools programmes, including dedicated services, and also building links with other social and youth initiatives.
The Barnett formula will ensure Northern Ireland benefits from this extra £20bn NHS money. Northern Irish services do not have to mirror English ones - there is no obligation to spend the money on health, let alone mental health - but nevertheless there will be a significant amount of pressure for NI to fill obvious gaps in local services.
However, no matter how much we spend of any Barnett dividend, it probably wouldn't be enough for all those gaps. Our mental health provision is the weakest in the UK despite the fact our need is the highest.
Where that pressure is ultimately directed - towards an Executive, or some other agency imbued with executive power - remains to be seen, of course. But pressure there will be. And part of that pressure stems from bad news.
On Monday, BBC NI aired a documentary called Teens on the Edge. It featured local young people discussing their mental health troubles.
The programme did a great job of highlighting what is a growing problem. More and more young people here are being diagnosed with mental health issues.
In the past decade, 144 children and young people (under 19s) have died by suicide. In 2016, 106 children under the age of 14 were referred to Child and Adolescent Mental Health Services (CAMHS). Last year that number rose to 282.
Earlier this month Scope looked at how local mental health provision for young people was lacking in almost all areas - we spend £45 per young person on statutory mental health services, compared with £163 per adult - with the overmedication of children who need more dedicated (and expensive) forms of treatment an unfortunate consequence.
In August, we spoke with Action Mental Health (AMH) about various local schemes to build resilience - i.e. to prevent mental health problems from happening, where possible - and the central takeaway was that there is some great work being done, but generally the resources are not there to roll these out across NI or establish them on a permanent basis.
Stretched services lead to long waiting lists - and delays in provision can be costly, too. Last month, the charity YoungMinds released a report on youth service in England which found that three quarters of parents watched their child's mental health deteriorate while they waited for treatment.
In short, there are loads of ways we could spend more mental health money well.
City Deal
Mental health services, both statutory and third sector, do a lot of great work helping people in crisis, and those with unavoidable problems.
They also do work in prevention - see, for example, AMH's work on resilience, above - but there is only so much they can do to improve mental health outcomes.
There are so many factors that contribute to poor mental health that it is perhaps unhelpful to think about them as *causes*, per se, because an individual's circumstances are not always so straightforward that some particular events or circumstances can be said to have caused their illness or condition.
There are physical indicators, social and environmental ones, as well as psychological and genetic factors. These include social isolation, experiencing discrimination, losing your job, being in poverty or debt, or having a long-term physical health condition.
Mental health services touch on some of these, to some degree, but they do not deal with the underlying causes.
There are mental health charities that can help you cope better with poverty, or unemployment, and even help prepare you to find work. They do not improve the economy and they do not provide job security, good pay, and a route out of poverty (leaving aside their role as employers).
As such, good mental health relies on much more than mental health provision.
The Chancellor announced a City Deal for Belfast, as part of his budget - £350m for sustainable development.
If we use this money well, it could do as much for mental health as anything else.
And, despite the branding, this is not just a boost for Belfast. The deal itself is the result of a bid from six of our eleven councils and the positive effects should be felt across NI.
If you want to know more about City Deals - how they work, and what the benefits are - read here.
Mental health as an indicator
The extra NHS money in England has been welcomed by third sector organisations, but not without qualifications and criticisms too.
Some groups have urged the government to stop with the seemingly year-on-year crisis funding and instead construct a longer-term plan.
Both the IPPR and the Royal College of Psychiatrists have said the £2bn increase is only around half the amount really needed to respond to rising demand.
Here in Northern Ireland, there have been various criticisms of the budget, generally, that run along those lines - that the extra investment will mean real-terms reductions in services (and, of course, observations that we have no one currently actually able to allocate the money anyway).
Those criticisms are all fair. In the UK, and NI in particular, mental health services have been woefully underfunded for a long time. That underfunding has been both absolute, and relative - mental health has long been the poor half of health and social care.
However, right now, there are two unfortunate truths that need to put budgetary choices in context:
There is not enough money (realistically) to adequately fund all required mental health services fully
Even if they were all fully funded, mental health depends on so many more things than good mental health provision
The first one of those does not have to be true, or true to the same extent, in future. The second will never change.
Mental health has a reliance on so many things that there won't be any magic fix. A well functioning society - with good healthcare, education, prospects, and so on - will lead to the best results.
Which leads us to something else: mental health outcomes are themselves and indicator of just how well a whole society is doing.
With that in mind, we could be doing much better.
What can't we afford? How economic inequality is about more than paying bills
If you want to improve the benefits system, speak up
Youth organisations have a big role in improving child mental health
Outcomes and the Programme for Government


FRAMINGHAM, Mass.--(BUSINESS WIRE)--Mar. 2, 2017-- Staples, Inc. (Nasdaq: SPLS) will hold its quarterly conference call to discuss fourth quarter and full year 2016 results on Thursday, March 9, 2017 at 8:00 a.m. Eastern Time. To listen to the conference call via webcast, please visit Staples' Investor Relations website at http://investor.staples.com.
Staples helps small business customers make more happen by providing a broad assortment of products, expanded business services and easy ways to shop – in stores, online via mobile or through social apps. Staples Business Advantage, the business-to-business division, caters to mid-market, commercial and enterprise-sized customers by offering a one-source solution for the products and services they need, combined with best-in-class customer service, competitive pricing and a state-of-the-art ecommerce site. Headquartered outside of Boston, Staples, Inc. operates throughout North and South America, Asia, Australia and New Zealand. More information about Staples (NASDAQ: SPLS) is available at www.staples.com.


text:
Truvada Lawsuits
Truvada Broken Bones
Truvada Kidney Failure
Truvada Lawsuit FAQs
Truvada Lawyers
Truvada Patients Must Follow a Strict Safety Regiment
Gilead Sciences wants their Truvada/Descovy patients to be aware of the safety requirements they must meet
No-Cost, No-Obligation Truvada Lawsuit Case Review
Who Can File a Truvada Lawsuit?
If you or a loved suffered from Truvada side effects including kidney failure, osteoporosis, or broken bones, you may be entitled to damages. We provide free no-obligation Truvada lawsuit case review. We do not charge attorney fees unless you receive compensation and you are under no obligation after your initial consultation.
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Truvada Lawsuit News
Tuesday, November 19, 2019 - While it may seem like people are lining up around the corner to get their hands on Truvada, there are still many hurdles that have to be navigated before one is eligible to receive the once-daily PReP drug. The first and most important safety aspect of the Truvada program is that a person must by HIV-negative before starting and all the while during taking TRUVADA for PrEP. A person who wishes to receive Truvada must show proof of having a negative HIV test that was performed immediately before applying for the drug. From there Truvada patients are required to be tested every 90 days. It is imperative that both or all parties in the sexual relationship be HIV tested.
Unfortunately, such HIV tests can fail to detect a recent infection. Truvada applicants should self-monitor for flu-like symptoms, high fever, aches and pains, and the like. Truvada.com tells applicants: "Symptoms of new HIV-1 infection include tiredness, fever, joint or muscle aches, headache, sore throat, vomiting, diarrhea, rash, night sweats, and/or enlarged lymph nodes in the neck or groin." Truvada kidney failure lawyers have vast experience handling pharmaceutical claims against big corporations and offer a free consultation to Americans suffering from broken bones or kidney failure due to the side effects from taking Truvada.
A second requirement that has to be met by a Truvada patient is that one must continue to practice safe sex such as always wearing a condom and remaining in a monogamous relationship. Social experts fear that Truvada is nothing more than a license for promiscuous homosexual activity and that Truvada patients that no longer fear to become HIV positive will stop wearing a condom. Such behavior would be catastrophic and potentially lead to an epidemic outbreak of other deadly sexually transmitted diseases like Syphilis and Gonorrhea. A Truvada patient needs to know their STD status as having another sexually transmitted disease decreases Truvada's effectiveness. Truvada applicants must continue to take their medication for other STDs and consult their doctor for how the drugs will interact with each other. Truvada patients are also advised that the drug must be taken daily to be effective. The more daily doses of Truvada that one misses, the greater one's chance of becoming infected increases.
A person contemplating Truvada needs to be aware of the potentially deadly side effects that the drug carries and that very little about the drug's safety can be guaranteed because the drug is relatively new. In effect, Truvada patients are automatically part of a post-market study and the severity of their side effects will be recorded and studied going forward. So far Truvada patients have experienced broken hips, legs. and arms from diminished bone strength called osteoporosis as a result of taking Truvada. It is not known if the loss of bone density is reversible or permanent. Truvada patients also experience kidney problems, including kidney failure that could require kidney dialysis or a kidney transplant. Truvada patients are also at risk for developing lactic acidosis and severe liver problems that could be fatal.
More Recent Truvada Bone Lawsuit News:
Gilead Science May Not Get Away With Their Truvada to Descovy Switch | 4/9/2021
Truvada is An Essential Drug For People Living With AIDS | 4/2/2021
Gilead May Have Kept The Price of Truvada High Deliberately To Increase Profits | 3/15/2021
More Truvada Bone Break And Kidney Damage Victims File Lawsuit | 3/10/2021
Truvada Bone Breakage Lawyers Were Right To Advertise | 3/1/2021
Studies Link Truvada To Vertebrae And Hip Fractures | 2/23/2021
Women That Take Truvada And Depo Provera May Experience Double Bone Density Loss | 2/3/2021
Injectable Drug May Be a Breakthrough To Treat AIDS | 1/22/2021
Truvada's HIV Prevention and AIDS Treatment Monopoly May End By September | 1/12/2021
Truvada Patients Ask Why The Generic Version Cost So Much | 12/30/2020
Truvada's Benefits May Not Be Worth The Risks | 12/16/2020
Injectible Cabenuva Could Solve Many of Truvada's Inherent Shortcomings. | 12/2/2020
Some HIV Positive Women Have Double The Bone Breakage Risk When Using Truvada | 11/28/2020
New Injectable Drug Promises To Be A Paradigm Shift For Treating AIDS And Preventing The Transmission of HIV | 11/17/2020
People Living With AIDS Take Truvada To Slow The Progression Of The Virus | 10/26/2020
Truvada's Long List of Life-Threatening Side Effects Just Got Longer | 10/20/2020
Truvada's High Price Has Spurred Generic Competition | 10/15/2020
The First Generic Version of Truvada is For Sale | 10/8/2020
Canada Takes The Lead In Bringing Injectable Truvada Replacement Drug to Market | 9/24/2020
New Lawsuits Accuse Truvada of Causing Bone Breakage and Kidney Damage | 9/10/2020
Shakeups In 2020 For Gilead Science's AIDS Drug Truvada | 9/1/2020
The Health Care Industry Supports Inexpensive Generic Truvada Alternatives | 8/21/2020
Setting The Record Straight On Truvada's Deadly Side Effects | 8/18/2020
AIDS Patients and Professionals Could Welcome A Less-Frequent Injectable Form of Treatment | 8/12/2020
Expert Opinions Differ On Truvada's Bone Density Side Effects | 7/23/2020
Truvada and Descovy Have Formiddible New Competition From Injectable Cabotegravir | 7/21/2020
HIV Positive Individuals May Be Avoiding Truvada During The Coronavirus pandemic | 7/6/2020
More People May Be Willing To Get Tested and Treated For AIDS Now That The Medicine They Need Is Free | 6/22/2020
A New HIV Drug Injection May Offer Users Relief From The Daily Truvada Regimen | 6/9/2020
Gileads Monopoly of HIV Treatment and Prevention Drugs May Have Ended With Cabotegravir | 6/2/2020
Truvada May Cause More Health Problems Than It Helps | 5/20/2020
Truvada Patients That Stop Taking The Drug Could Allow The Virus To Build Up in Their Blood Making it More Difficult To Treat in The Future | 5/13/2020
Part II: Truvada Being Tested as Possible Therapy For Covid19 | 4/28/2020
Truvada Being Tested as Possible Therapy For Covid19 | 4/23/2020
Truvada Patients Have A Right To All The Facts To Make Informed Decisions | 4/13/2020
Truvada Lawsuit Ads May Fail To Distinguish Between HIV Positive and Negative Individuals | 3/31/2020
The New York Times Reaffirms Truvada's Adverse Side Effects | 3/18/2020
TDF Drugs Carry Substantial Risks For Bone Density Loss And Kidney Failure | 3/10/2020
Support Groups Are Available For People Living With HIV | 3/6/2020
Descovy Set To Replace Truvada As PrEP Drug of Choice | 2/12/2020
Truvada Lawsuits Could Deter People From Taking The Drug For PrEP | 2/11/2020
Doctors Fear Truvada Patients Will Not Use a Condom and Fail To Take The Drug Everyday | 1/28/2020
Truvada Attorney Advertisements May Be Scaring Patients Away From Taking Truvada | 1/24/2020
Truvada is Not a Substitute For Using a Condom | 1/22/2020
Facebook Pulls Attorney Truvada Ads Over LGBTQ Outcry | 1/7/2020
Politicians and HIV Activists Are Barking Up The Wrong Tree When They Complain About Facebook Ads | 12/23/2019
Truvada.com Does A Good Job of Warning Patients of Truvada's Deadly Side Effects | 12/16/2019
Gilead Sciences is Responsible For Both Preventing and Spreading HIV | 11/20/2019
Universal Mandatory HIV Screening Could Help To Stop The Spread of HIV | 11/14/2019
The Fight To Break Gilead Sciences' Truvada Monopoly | 11/13/2019
Gilead's Truvada Patent Fight Takes An Unexpected Twist | 11/12/2019
Health and Human Services Sues Gilead Seeking to Reclaim Truvada Patent | 11/11/2019
States With Increasing HIV Transmission Rates Welcome Truvada Initiatives | 10/28/2019
The State Of Florida Tackles HIV With a Truvada Giveaway Program of Their Own | 10/24/2019
Lawsuits Against Gilead Sciences Pile Up As Truvada's Side Effects Are Brought To The Public's Attention | 10/18/2019
Condoms Are More Effective Than Truvada In Preventing The Spread of HIV And Much Cheaper | 10/15/2019
Descovy is FDA Approved And Ready to Replace Truvada In 2020 | 10/9/2019
Truvada Facts From the Center For Disease Control (CDC) | 10/3/2019
Gilead Disguises Corporate Greed As Charity | 10/1/2019
Truvada Lawsuits Are Moving Forward Against Gilead Sciences | 9/30/2019
Truvada Side Effects May Not Stop At Osteoporosis and Kidney Failure | 9/25/2019
HIV Prevention Group Cites Moral Outrage That HIV Prevention Drug Truvada Is Being Kept From Those That Need The Drug | 9/23/2019
A Focus On Gay Black And Latino Teenagers Is Needed To Stop The Spread Of HIV | 9/20/2019
Trump Is Using The AIDS Epidemic As Political Capital At Rallies Across America | 9/19/2019
Gilead Science's Monopoly In The HIV Prevention Market Is Being Challenged on Multiple Fronts | 9/13/2019
Truvada Patients Must Weigh The Drug's Serious Side Effects Before Deciding Whether or Not To Take It | 9/11/2019
Educate Teenagers About The Need To Take Truvada and Make the Drug Available To Them For Free | 9/6/2019
Gilead Sciences Earns Billions Every Year From The AIDS Epidemic | 9/2/2019
Gilead Sciences Offers Only Enough Free Truvada to Ensure The Disease is Never Brought Fully Under Control | 8/27/2019
Gilead May Not Exclusively Own Truvada's US Patent | 8/21/2019
HIV Patients Speak Out On Why Truvada is Still Unavailable To So Many | 8/19/2019
California To Make Truvada Available Without Doctor's Prescription | 8/16/2019
Truvada May Lead To Risky Sexual Behavior | 8/12/2019
The FDA All But Approves Descovy Which Will Replace Truvada | 8/9/2019
Wiping Out HIV Sounds Great But There Are Many Hills to Climb to Get There | 8/6/2019
Truvada HIV Giveaway Program Faces Psychological Stigma in Young At-Risk Adults | 7/31/2019
Should The Government Fund HIV Preventative Drugs | 7/22/2019
The cost of free Truvada may be prohibitively expensive | 7/17/2019
A New HIV Drug Breakthrough May Challenge Gilead's Truvada Monopoly | 7/15/2019
Truvada Patients Risk Developing Osteoperosis | 7/8/2019
FDA Cancels Risk Evaluation Management Program For HIV Prevention Medication | 7/5/2019
Trump/Gilead Truvada Giveaway Deal Comes Under Congressional Suspicion | 7/1/2019
Getting Truvada to Those That Really Need It The Most | 6/28/2019
Senator Harris Launches Truvada/HIV Plan | 6/24/2019
The Fight Continues In Congress To Give Taxpayers Greater Access to Truvada | 6/19/2019
Truvada Drug Giveaway May Be Off The Mark And Miss The Most Sexually-Active Group | 6/17/2019
Truvada's High Price Is Hampering Efforts to Get It To Those In Need | 6/14/2019
HIV Prevention Drug To Be Gradually Given Away Free of Charge | 6/10/2019
The Trump Administration's Plan To End HIV By 2030 Includes Cooperation From Gilead Sciences | 6/6/2019
Truvada's Litany of Life-threatening Side Effects | 6/3/2019
Taking Unlimited Drug Development Risks Could Lead to Unlimited Truvada Profits | 5/31/2019
US Congresswoman Challenges Truvada Patent | 5/24/2019
No-Cost, No-Obligation Truvada Lawsuit Case Review If You or a Loved One Suffered from Truvada Bone or Kidney Complications
OnderLaw, LLC is a St. Louis personal injury law firm handling serious injury and death claims across the country. Its mission is the pursuit of justice, no matter how complex the case or strenuous the effort. The Onder Law Firm has represented clients throughout the United States in pharmaceutical and medical device litigation such as Pradaxa, Lexapro and Yasmin/Yaz, where the firm's attorneys held significant leadership roles in the litigation, as well as Actos, DePuy, Risperdal and others. The firm has represented thousands of persons in these and other products liability litigation, including DePuy hip replacement systems, which settled for $2.5 billion and Pradaxa internal bleeding, which settled for $650 million. The Onder Law Firm won over $300 million in four talcum powder ovarian cancer lawsuits in St. Louis to date and other law firms throughout the nation often seek its experience and expertise on complex litigation.
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Disclaimer: The choice of an attorney is an important decision and should not be based solely upon advertisements. Past results afford no guarantee of future results. Every case is different and must be judged on its own merits. The accident, injury, personal injury, and/or other legal information offered herein by The Onder Law firm, is not formal legal advice, nor is it the formation of an attorney client relationship. In order for our firm to be considered your attorney there must be a signed agreement between the client and the firm.
The Onder Law Firm is a National Law Firm based in St. Louis, Missouri representing clients throughout the United States in national federal MDL products liability litigation.


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Electronics & Cellular
Tactical Clothing & Bags
15$ OR LESS
* * * * * FREE WORLD-WIDE SHIPPING ON ALL ORDERS ABOVE 59$ * * * * *
Military Pants With Knee Pads (9 colors)
Color 1 2 3 4 5 6 7 8 9
Size(see size chart info) 28 30 32 34 36 38 40
1 / 28 - $69.19 USD 1 / 30 - $69.19 USD 1 / 32 - $69.19 USD 1 / 34 - $69.19 USD 1 / 36 - $69.19 USD 1 / 38 - $69.19 USD 1 / 40 - $69.19 USD 2 / 28 - $69.19 USD 2 / 30 - $69.19 USD 2 / 32 - $69.19 USD 2 / 34 - $69.19 USD 2 / 36 - $69.19 USD 2 / 38 - $69.19 USD 2 / 40 - $69.19 USD 3 / 28 - $69.19 USD 3 / 30 - $69.19 USD 3 / 32 - $69.19 USD 3 / 34 - $69.19 USD 3 / 36 - $69.19 USD 3 / 38 - $69.19 USD 3 / 40 - $69.19 USD 4 / 28 - $69.19 USD 4 / 30 - $69.19 USD 4 / 32 - $69.19 USD 4 / 34 - $69.19 USD 4 / 36 - $69.19 USD 4 / 38 - $69.19 USD 4 / 40 - $69.19 USD 5 / 28 - $69.19 USD 5 / 30 - $69.19 USD 5 / 32 - $69.19 USD 5 / 34 - $69.19 USD 5 / 36 - $69.19 USD 5 / 38 - $69.19 USD 5 / 40 - $69.19 USD 6 / 28 - $69.19 USD 6 / 30 - $69.19 USD 6 / 32 - $69.19 USD 6 / 34 - $69.19 USD 6 / 36 - $69.19 USD 6 / 38 - $69.19 USD 6 / 40 - $69.19 USD 7 / 28 - $69.19 USD 7 / 30 - $69.19 USD 7 / 32 - $69.19 USD 7 / 34 - $69.19 USD 7 / 36 - $69.19 USD 7 / 38 - $69.19 USD 7 / 40 - $69.19 USD 8 / 28 - $69.19 USD 8 / 30 - $69.19 USD 8 / 32 - $69.19 USD 8 / 34 - $69.19 USD 8 / 36 - $69.19 USD 8 / 38 - $69.19 USD 8 / 40 - $69.19 USD 9 / 28 - $69.19 USD 9 / 30 - $69.19 USD 9 / 32 - $69.19 USD 9 / 34 - $69.19 USD 9 / 36 - $69.19 USD 9 / 38 - $69.19 USD 9 / 40 - $69.19 USD
Designed as a no-compromise assault uniform, these pants are aggressively cut for maximum mobility. These combat-proven pants come in multiple lengths for a perfect fit. Designed for use with Combat Knee Pads ( 2 pads included)
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Multi-Pocket design
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Velcro Adjustable Leg openings
Straing waist design
Adjustable Knee Fit
Base fabric is Mil-Spec 50/50 NYCO
(The Below Size Name (S,M,L,XL,XXL,XXXL) is for your reference ONLY, please check the size details chart carefully to get your fitted size before purchasing, thank you.)
Please allow 10-24 business days for the item to arrive.
Please note: due to the ongoing global COVID-19 Crisis most airports, postal offices and shipping companies worldwide are operating under various government limitations, making additional local delays in product delivery very possible, we are doing our absolute best to make sure you get your products as soon as possible.
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Set out below are additional Frequently Asked Questions (FAQs) regarding implementation of various provisions of the Affordable Care Act. These FAQs have been prepared by the Departments of Labor, Health and Human Services (HHS), and the Treasury (collectively, the Departments). Like previously issued FAQs, these FAQs answer questions from stakeholders to help people understand the new law and benefit from it, as intended.
Section 18B of the Fair Labor Standards Act (FLSA), as added by section 1512 of the Affordable Care Act, generally provides that, in accordance with regulations promulgated by the Secretary of Labor, an applicable employer must provide each employee at the time of hiring (or with respect to current employees, not later than March 1, 2013), a written notice:
Informing the employee of the existence of Exchanges including a description of the services provided by the Exchanges, and the manner in which the employee may contact Exchanges to request assistance;
If the employer plan's share of the total allowed costs of benefits provided under the plan is less than 60 percent of such costs, that the employee may be eligible for a premium tax credit under section 36B of the Internal Revenue Code (the Code) if the employee purchases a qualified health plan through an Exchange; and
If the employee purchases a qualified health plan through an Exchange, the employee may lose the employer contribution (if any) to any health benefits plan offered by the employer and that all or a portion of such contribution may be excludable from income for Federal income tax purposes.
Q1: When do employers have to comply with the new notice requirements in section 18B of the FLSA?
Section 18B of the FLSA provides that employer compliance with the notice requirements of that section must be carried out "[i]n accordance with regulations promulgated by the Secretary [of Labor]." Accordingly, it is the view of the Department of Labor that, until such regulations are issued and become applicable, employers are not required to comply with FLSA section 18B.
The Department of Labor has concluded that the notice requirement under FLSA section 18B will not take effect on March 1, 2013 for several reasons. First, this notice should be coordinated with HHS's educational efforts and Internal Revenue Service (IRS) guidance on minimum value. Second, we are committed to a smooth implementation process including providing employers with sufficient time to comply and selecting an applicability date that ensures that employees receive the information at a meaningful time. The Department of Labor expects that the timing for distribution of notices will be the late summer or fall of 2013, which will coordinate with the open enrollment period for Exchanges.
The Department of Labor is considering providing model, generic language that could be used to satisfy the notice requirement. As a compliance alternative, the Department of Labor is also considering allowing employers to satisfy the notice requirement by providing employees with information using the employer coverage template as discussed in the preamble to the Proposed Rule on Medicaid, Children's Health Insurance Programs, and Exchanges: Essential Health Benefits in Alternative Benefit Plans, Eligibility Notices, Fair Hearing and Appeal Processes for Medicaid and Exchange Eligibility Appeals and Other Provisions Related to Eligibility and Enrollment for Exchanges, Medicaid and CHIP, and Medicaid Premiums and Cost Sharing (78 FR 4594, at 4641), which will be available for download at the Exchange web site as part of the streamlined application that will be used by the Exchange, Medicaid, and CHIP. Future guidance on complying with the notice requirement under FLSA section 18B is expected to provide flexibility and adequate time to comply.
Compliance of Health Reimbursement Arrangements with Public Health Service Act (PHS Act) section 2711
Section 2711 of the PHS Act, as added by the Affordable Care Act, generally prohibits plans and issuers from imposing lifetime or annual limits on the dollar value of essential health benefits. The preamble to the interim final regulations implementing PHS Act section 2711 (75 FR 37188) addressed the application of section 2711 to health reimbursement arrangements (HRAs) and certain other account-based arrangements. HRAs are group health plans that typically consist of a promise by an employeri to reimburse medical expenses (as defined in Code section 213(d)) for a year up to a certain amount, with unused amounts available to reimburse medical expenses in future years. The preamble distinguished between HRAs that are "integrated" with other coverage as part of a group health plan and HRAs that are not so integrated ("stand-alone" HRAs). The preamble stated that "[w]hen HRAs are integrated with other coverage as part of a group health plan and the other coverage alone would comply with the requirements of PHS Act section 2711, the fact that benefits under the HRA by itself are limited does not violate PHS Act section 2711 because the combined benefit satisfies the requirements." (75 FR 37188, at 37190-37191). The corollary to this statement is that an HRA is not considered integrated with primary health coverage offered by the employer unless, under the terms of the HRA, the HRA is available only to employees who are covered by primary group health plan coverage provided by the employer and meeting the requirements of PHS Act section 2711.
Questions 2 through 4 below address certain issues relating to HRAs. The Departments anticipate issuing future guidance addressing HRAs.ii
Q2: May an HRA used to purchase coverage on the individual market be considered integrated with that individual market coverage and therefore satisfy the requirements of PHS Act section 2711?
No. The Departments intend to issue guidance providing that for purposes of PHS Act section 2711, an employer-sponsored HRA cannot be integrated with individual market coverage or with an employer plan that provides coverage through individual policies and therefore will violate PHS Act section 2711.
Q3: If an employee is offered coverage that satisfies PHS Act section 2711 but does not enroll in that coverage, may an HRA provided to that employee be considered integrated with the coverage and therefore satisfy the requirements of PHS Act section 2711?
No. The Departments intend to issue guidance under PHS Act section 2711 providing that an employer-sponsored HRA may be treated as integrated with other coverage only if the employee receiving the HRA is actually enrolled in that coverage. Any HRA that credits additional amounts to an individual when the individual is not enrolled in primary coverage meeting the requirements of PHS Act section 2711 provided by the employer will fail to comply with PHS Act section 2711.
Q4: How will amounts that are credited or made available under HRAs under terms that were in effect prior to January 1, 2014, be treated?
The Departments anticipate that future guidance will provide that, whether or not an HRA is integrated with other group health plan coverage, unused amounts credited before January 1, 2014, consisting of amounts credited before January 1, 2013 and amounts that are credited in 2013 under the terms of an HRA as in effect on January 1, 2013 may be used after December 31, 2013 to reimburse medical expenses in accordance with those terms without causing the HRA to fail to comply with PHS Act section 2711. If the HRA terms in effect on January 1, 2013, did not prescribe a set amount or amounts to be credited during 2013 or the timing for crediting such amounts, then the amounts credited may not exceed those credited for 2012 and may not be credited at a faster rate than the rate that applied during 2012.
Disclosure of Information Related to Firearms
Q5: Does PHS Act section 2717(c) restrict communications between health care professionals and their patients concerning firearms or ammunition?
No. While we have yet to issue guidance on this provision, the statute prohibits an organization operating a wellness or health promotion program from requiring the disclosure of information relating to certain information concerning firearms. However, nothing in this section prohibits or otherwise limits communication between health care professionals and their patients, including communications about firearms. Health care providers can play an important role in promoting gun safety.
Self-Insured Employer Prescription Drug Coverage Supplementing Medicare Part D Coverage Provided through Employer Group Waiver Plans
Medicare Part D is an optional prescription drug benefit provided by prescription drug plans. Employers sometimes provide Medicare Part D coverage through Employer Group Waiver Plans (EGWPs) under title XVIII of the Social Security Act and often supplement the coverage with additional non-Medicare drug benefits. For EGWPs that provide coverage only to retirees, the non-Medicare supplemental drug benefits are exempt from the health coverage requirements of title XXVII of the PHS Act, Part 7 of the Employee Retirement Income Security Act (ERISA), and Chapter 100 of the Code. (For ease of reference, the relevant provisions of the three statutes are referred to here as "the health coverage requirements.") Moreover, for EGWPs that are insured under a separate policy, certificate, or contract of insurance, the non-Medicare supplemental drug benefits qualify as excepted benefits under PHS Act section 2791(c)(4), ERISA section 733(c)(4), and Code section 9832(c)(4) and are, therefore, similarly exempt from the health coverage requirements.
Q6: Must self-insured prescription drug coverage that supplements the standard Medicare Part D coverage through EGWPs comply with the health coverage requirements?
Pending further guidance, the Departments will not take any enforcement action against a group health plan that is an EGWP because the non-Medicare supplemental drug benefit does not comply with the health coverage requirements of title XXVII of the PHS Act, part 7 of ERISA, and chapter 100 of the Code. This enforcement policy does not affect other requirements administered by the Centers for Medicare & Medicaid Services that apply to providers of such coverage. The Centers for Medicare & Medicaid Services intends to issue related guidance concerning insured coverage that provides non-Medicare supplemental drug benefits shortly.
Fixed Indemnity Insurance
Fixed indemnity coverage under a group health plan meeting the conditions outlined in the Departments' regulationsiii is an excepted benefit under PHS Act section 2791(c)(3)(B), ERISA section 733(c)(3)(B), and Code section 9832(c)(3)(B). As such, it is exempt from the health coverage requirements of title XXVII of the PHS Act, part 7 of ERISA, and chapter 100 of the Code. The Departments have noticed a significant increase in the number of health insurance policies labeled as fixed indemnity coverage.
Q7: What are the circumstances under which fixed indemnity coverage constitutes excepted benefits?
The Departments' regulations provide that a hospital indemnity or other fixed indemnity insurance policy under a group health plan provides excepted benefits only if:
The benefits are provided under a separate policy, certificate, or contract of insurance;
There is no coordination between the provision of the benefits and an exclusion of benefits under any group health plan maintained by the same plan sponsor; and
The benefits are paid with respect to an event without regard to whether benefits are provided with respect to the event under any group health plan maintained by the same plan sponsor.
The regulations further provide that to be hospital indemnity or other fixed indemnity insurance, the insurance must pay a fixed dollar amount per day (or per other period) of hospitalization or illness (for example, $100/day) regardless of the amount of expenses incurred.
Various situations have come to the attention of the Departments where a health insurance policy is advertised as fixed indemnity coverage, but then covers doctors' visits at $50 per visit, hospitalization at $100 per day, various surgical procedures at different dollar rates per procedure, and/or prescription drugs at $15 per prescription. In such circumstances, for doctors' visits, surgery, and prescription drugs, payment is made not on a per-period basis, but instead is based on the type of procedure or item, such as the surgery or doctor visit actually performed or the prescribed drug, and the amount of payment varies widely based on the type of surgery or the cost of the drug. Because office visits and surgery are not paid based on "a fixed dollar amount per day (or per other period)," a policy such as this is not hospital indemnity or other fixed indemnity insurance, and is therefore not excepted benefits. When a policy pays on a per-service basis as opposed to on a per-period basis, it is in practice a form of health coverage instead of an income replacement policy. Accordingly, it does not meet the conditions for excepted benefits.
The Departments plan to work with the States to ensure that health insurance issuers comply with the relevant requirements for different types of insurance policies and provide consumers with the protections of the Affordable Care Act.
Payment of PCORI Fees
Section 4376 of the Code, as added by the Affordable Care Act, imposes a temporary annual fee on the sponsor of an applicable self-insured health plan for plan years ending on or after October 1, 2012, and before October 1, 2019. The fee is equal to the applicable dollar amount in effect for the plan year ($1 for plan years ending on or after October 1, 2012, and before October 1, 2013) multiplied by the average number of lives covered under the applicable self-insured health plan during the plan year. In the case of (i) a plan established or maintained by 2 or more employers or jointly by 1 or more employers and 1 or more employee organizations, (ii) a multiple employer welfare arrangement, or (iii) a voluntary employees' beneficiary association (VEBA) described in Code section 501(c)(9), the plan sponsor is defined in Code section 4376(b)(2)(C) as the association, committee, joint board of trustees, or other similar group of representatives of the parties who establish or maintain the plan.
Q8: Does Title I of ERISA prohibit a multiemployer plan's joint board of trustees from paying the Code section 4376 fee from assets of the plan?
In the case of a multiemployer plan defined in ERISA section 3(37), the plan sponsor liable for the fee would generally be the independent joint board of trustees appointed by the participating employers and employee organization, and directed pursuant to a collective bargaining agreement to establish the employee benefit plan. Normally, such a joint board of trustees has no function other than to sponsor and administer the multiemployer plan, and it has no source of funding independent of plan assets to satisfy the Code section 4376 statutory obligation. The fee involved is not an excise tax or similar penalty imposed on the trustees in connection with a violation of federal law or a breach of their fiduciary obligations in connection with the plan. Nor would the joint board be acting in a capacity other than as a fiduciary of the plan in paying the fee.iv In such circumstances, it would be unreasonable to construe the fiduciary provisions of ERISA as prohibiting the use of plan assets to pay such a fee to the Federal government. Thus, unless the plan document specifies a source other than plan assets for payment of the fee under Code section 4376, such a payment from plan assets would be permissible under ERISA.
There may be rare circumstances where sponsors of employee benefit plans that are not multiemployer plans would also be able to use plan assets to pay the Code section 4376 fee, such as a VEBA that provides retiree-only health benefits where the sponsor is a trustee or board of trustees that exists solely for the purpose of sponsoring and administering the plan and that has no source of funding independent of plan assets.
The same conclusion would not necessarily apply, however, to other plan sponsors required to pay the fee under Code section 4376. For example, a group or association of employers that act as a plan sponsor but that also exist for reasons other than solely to sponsor and administer a plan may not use plan assets to pay the fee even if the plan uses a VEBA trust to pay benefits under the plan. The Department of Labor would expect that such an entity or association, like employers that sponsor single employer plans, would have to identify and use some other source of funding to pay the Code section 4376 fee.
i An HRA may be sponsored by an employer, an employee organization, or both. For simplicity, this section of the FAQs refers to employers. However, this guidance is equally applicable to HRAs sponsored by employee organizations, or jointly by employers and employee organizations.
ii With respect to HRAs that are limited to retirees, the exemption from the requirements of ERISA and the Code relating to the Affordable Care Act for plans with fewer than two current employees means that retiree-only HRAs generally are not subject to the rules of PHS Act section 2711. See the preamble to the interim final rules implementing PHS Act section 2711 (75 FR 37188, at 37191). See also ACA Implementation FAQs Part III, issued on October 12, 2010 (available at http://cms.gov/cciio/resources/factsheets/aca_implementation_faqs3.html and http://www.dol.gov/ebsa/faqs/faq-aca3.html).
iiiSee 26 CFR 54.9831-1(c)(4), 29 CFR 732(c)(4), 45 CFR 146.145(c)(4).
iv See generally, ERISA Field Assistance Bulletin 2002-02 (trustees of multiemployer plans, if allowed under the plan documents, may act as fiduciaries in carrying out activities that otherwise would be settlor in nature), available at http://www.dol.gov/ebsa/regs/fab2002-2.html.


Objective: Assist with Camp Sprig and other events at Grizzly Ranch in Suisun City, California, teaching attendees about waterfowl, wetlands, shooting, hunting, and conservation. Camp assistants will work closely with the Camp and Education Coordinators to promote and host numerous events between approximately May 28-August 9. Duties: Assistants will work alongside CWA Staff to learn the camp programs and standards and be able to coordinate individual activities. Assist campers in a variety of activities throughout the week such as: duck banding, shooting skills development, hunter education, and other fun camp activities! Overnight supervision of campers staying in tents is required from Sunday-Thursday each week of camp.