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Misrepresentation in the Life, Health, and Disability Insurance Application Process
This comprehensive publication provides practitioners in the area of life, health, and disability insurance with a national survey of each of the fifty states regarding misrepresentations on applications as well as the applicable case law interpreting relevant statutes and developing the common law regarding misrepresentations. In addition, the publication will address the evolving issues related to misrepresentations in the context of the Employee Retirement Income Security Act (ERISA).
The Resolved Stellar Populations of M 32
We present the deepest optical CMD to date of M 32, obtained from HST ACS/HRC images. The dominant feature is the RC, whose CMD location suggests a mean age between 8 and 10 Gyr for [Fe/H] = -0.2 in M 32. We detect for the first time the RGB and AGB bumps in M 32 which constrain its mean age to be 5-10 Gyr old at 2' from the center. Bright AGB stars indicate the presence of intermediate-age populations. A detected blue component of stars may indicate for the first time the presence of a young stellar population of ~0.5 Gyr in our M 32 field. However, it is likely that the younger stars of this blue plume belong to M 31 rather than to M 32. The fainter stars populating the blue plume indicate the presence of stars not younger than 1 Gyr and/or blue straggler stars in M 32.
Rand McNally International Bankers Directory
V.1. U.S. Master, Alabama-Minnesota. -- v.2. U.S. Master, Missouri-Wyoming. -- v.3. U.S. Operations. -- v.4. International.
Park Avenue
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Threads of a Crime
Charles Huey is a best-selling author. Dead-End for Dollars was released worldwide, followed by the novel Marked for a Crime. Threads of a Crime is his latest release. Following college, he worked in broadcasting for eight years. He then began a thirty-year path of adventure and curiosity in science, working as an engineer in telecommunications development. He lives in North Carolina near his family.
