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Mutual in Medical News
Dr. Juan Carlos Cobo Newly-Elected Chair of the Mutual Protection Trust Board of Trustees
LOS ANGELES, June 22 /PRNewswire/ -- Mission Viejo general surgeon Juan Carlos Cobo, MD , F.A.C.S. is the newly-elected Chair of the Mutual Protection Trust (MPT) Board of Trustees. MPT is the medical professional liability provider for the Cooperative of American Physicians, Inc. (CAP). Dr. Co...Support Helps Communities Respond to Risks MILWAUKEE, May 7 /PRNewswire/ -- Northwestern Mutual's Foundation is helping to strengthen communities through a $500,000 donation to the American Red Cross to enhance its recovery and relief efforts in areas affected by natural disasters. Demon...
Medical Mutual of Ohio Offers Swine Flu Assistance to Customers
Ohio health insurer reports large call volume CLEVELAND, May 4 /PRNewswire/ -- Medical Mutual of Ohio is receiving a large volume of phone calls from customers asking for information about the intensifying swine flu outbreak in the United Stat...Medical Mutual of Ohio Names Dugan Chief Legal Counsel
CLEVELAND , April 15 /PRNewswire/ -- Patrick J. Dugan is the new chief legal officer and executive vice president for Medical Mutual of Ohio. In this capacity, Dugan will manage the internal legal staff and coordinate legal activities with outside counsel. Since 1997, Dugan has served a...HARRISONBURG, Va., Feb. 25 /PRNewswire/ -- Families and individuals without health insurance, youths seeking to develop character and leadership skills, young women in crisis, and people afflicted with Lou Gehrig's disease - these are among the many beneficiaries of James Madison head football c...
The Children's Mutual and Bounty Announce Arrival of New Child Trust Fund Partnership
LONDON, February 11 /PRNewswire/ -- The Children's Mutual ( http://www.thechildrensmutual.co.uk/ ), leading provider and home of the Child Trust Fund, and Bounty, the UK's favourite parenting club have joined forces. Bounty has selected The Children's Mutual to provide its members with ...Texas Mutual Wins National Employee Wellness Award
AUSTIN, Texas, Feb. 10 /PRNewswire/ -- Texas Mutual Insurance Company is one of 10 employers across the country that have won UnitedHealthcare's Well Deserved Award. The award recognizes employers who demonstrate a commitment to improving their employees' health. UnitedHealthcare provides hea...Liberty Mutual Provides Online Resource and Fire Safety Tips for Busy Moms at www.BeFireSmart.com Boston, MA (PRWEB) December 2, 2008 -- Liberty Mutual Insurance and Holly Robinson Peete , actress, philanthropist and mother of four, are teaming up to encourage fami...
Texas Mutual Insurance to Appeal 14th Court's Decision to Texas Supreme Court
AUSTIN, Texas, Aug. 27 /PRNewswire/ -- Texas Mutual Insurance Company (TMIC) said it would appeal to the Supreme Court a decision handed down today by the 14th Court of Appeals. The 14th Court rejected Texas Mutual's appeal of a jury verdict from a district court in Harris County found TMIC ...Healthcare Underwriters Group Mutual of Ohio (HUOH), the only medical liability insurance company operating in Ohio that is owned and governed exclusively by Ohio physicians, announced today that it will make its first cash distribution to its policyholders. This action was approved by the Board ...
Mutual in Medical Technology
United States, Canada and Mexico Agree to Mutual Assistance During Public Health Emergencies
WASHINGTON, Nov. 1 /PRNewswire-USNewswire/ -- The U.S. Department of Health and Human Services (HHS), the Public Health Agency of Canada, and the Ministry of Health of the United Mexican States today agreed to strengthen cross-border coordination and cooperation in the surveillance, prevention...Pangu BioPharma, aTyr Pharma's Subsidiary in Hong Kong, Files Three Patent Applications
...d the science being generated by the scientists in our labs here in Hong Kong, and believe that HKUST has been an essential partner in generating this mutual success." According to Jeff Watkins, CEO of aTyr Pharma, "In just over a year from incorporation in Hong Kong, Pangu BioPharma has demonstrated h...... with Complex Interventional Cardiovascular Therapy," said John Heinen, Chief Technology Officer of Informed Clinical Sciences Corporation. "It is the mutual goal of CardioVascularSC.Org and the CICT that this will lead to a stronger partnership in the exchange of clinical experience through case studies an...
Discovery's Edge Spring Issue - http://discoverysedge.mayo.edu
...tween Kidney Diseases and Glaucoma A tale of coincidence and collaboration: the peculiar case of the kidney researcher and the eye expert finding a mutual connection that leads to discovery. http://discoverysedge.mayo.edu/de09-1-kid-romero-hco3transporters/ Discovery's Edge , Mayo Clinic's onl......am has secured more than $2 million in support from outside donors, including $50,000 from Anne's Hope Foundation. Milwaukee's own Northwestern mutual Foundation has made its largest health care donation of $750,000 to Aurora's immunotherapy program, which has oversight of the Y-TIL Trial. Other cont...
DaVita Abstracts Highlight Latest Research Developments at Annual Dialysis Conference
...mple Bag Debbie Allen, RN, CNN -- Profiles of Successful Daily Home Hemodialysis Patient-Care Partner Dyads: From mutual Benefits to Martydom Meg Wise, PhD, Dorian Shatell, MS, Kristi Klicko, CHES and Mary Showers, RN, CNN DaVita Chie...Endo Pharmaceuticals and Alexza Pharmaceuticals Conclude Research Collaboration
... CHADDS FORD, Pa., Jan. 29 /PRNewswire-FirstCall/ -- Endo Pharmaceuticals (Nasdaq: ENDP ) announced today that by mutual agreement it has concluded its research collaboration with Alexza Pharmaceuticals, Inc. (Nasdaq: ALXA ) to develop an inhaled fentanyl product for t...STALLERGENES: Oralair(R) Grasses Obtains a Pediatric MA(1) in Germany
..., 2008. Oralair(R) Grasses will therefore be marketed for both indications in Germany for the 2009 pollen season. Stallergenes will now begin a mutual recognition procedure for registration of the product in Europe for both the adult and pediatric indications, with Germany as the reference member sta...Warner Chilcott Files Lawsuits for Infringement of DORYX(R) Patent
...ay that one of its subsidiaries and Mayne Pharma International Pty. Ltd. ("Mayne"), a subsidiary of Hospira, Inc., have filed lawsuits against each of mutual Pharmaceutical Company, Inc. ("Mutual"), Mylan Pharmaceuticals Inc. ("Mylan") and Impax Laboratories, Inc. ("Impax") in the District Court for the Di...Indevus Pharmaceuticals Announces Completion of Enrollment in Phase III Trial of PRO 2000
...h network ready to undertake future work of comparable importance and complexity. Years of working collegially have built cohesiveness, efficiency and mutual trust among the scientists, clinical staff, data managers, and other professionals and support staff comprising this Afro-European and pan-African cli...Mutual in Medical Products
Exicycler™ Real-time Thermal Block
Description:...e expression, genotyping, counting bacterial/viral loads, melt-curve analysis, and validation of microarray results. Exicycler is capable of measuring mutual interactions between two molecules, such as protein-protein and protein-ligand, using fluorescence resonance energy transfer (FRET). The sensitivity, ...Company:Bioneer
Mutual in Medical Definition
...d patients in many ways.
The quality of the patient - physician relationship is important to both parties. The better the relationship in terms of mutual respect, knowledge, trust, shared values and perspectives about disease and life, and time available, the better will be the amount and quality of inf...
Mutual in Medical Dictionary
...r UTI symptoms may be the only signs of kidney infection. ... UTI mutual Fund is one of the top performing mutual funds investment company in India. ... UTI MF wins the Best Debt Fund Hou...
... Provides access to sexuality information, education, mutual support, counseling, and other resources. Find in-depth articles on men's and women's sexual health information for a happier and healthier se...
...t to supplement, but not replace, the ... agree that the Vancouver Chapter of the United Ostomy ... Volunteer-based health organization offering mutual aid and moral support for people who have had or will have intestinal or urinary diversion surgery sold by the United Ostomy Association (UOA), ...
...oting the organ in its historic and evolving roles, encouraging excellence in the performance of organ and choral music, and providing a forum for mutual ... ...
...nts. Veriditas/Marion Woodman ... Need a buddy to walk the labyrinth with you? Our labyrinth buddies are willing to meet with you at a time of mutual ... Labyrinth Spirit ... Collection of electronic resources on medieval studies. Hosted by Georgetown University. ...
... duct cleaning is to provide the customer with ... Flame Spread of 5 on both the inside and outside of the duct (ASTM E-84) ... Why Use Factory mutual Approved or UL Listed Duct ? ... Duct -O-Wire has the most complete line of pendant stations in the industry. ... The Duct -O-Wire Collision A...
... Flight & Pilot Training. Flight Lessons. Alpha One Flight School. Call Today. Plymouth, MA. Alpha takes the volatility (price risk) of a mutual fund and compares its risk-adjusted ... Pursuing Alpha In A Well-Diversified IRA - This strategy is ... Ranks and Profiles 4000 hedge f...
... Provides access to sexuality information, education, mutual support, counseling, and other resources. Find in-depth articles on men's and women's sexual health information for a happier and healthier se...
...t to supplement, but not replace, the ... agree that the Vancouver Chapter of the United Ostomy ... Volunteer-based health organization offering mutual aid and moral support for people who have had or will have intestinal or urinary diversion surgery sold by the United Ostomy Association (UOA), ...
...oting the organ in its historic and evolving roles, encouraging excellence in the performance of organ and choral music, and providing a forum for mutual ... ...
...nts. Veriditas/Marion Woodman ... Need a buddy to walk the labyrinth with you? Our labyrinth buddies are willing to meet with you at a time of mutual ... Labyrinth Spirit ... Collection of electronic resources on medieval studies. Hosted by Georgetown University. ...
... duct cleaning is to provide the customer with ... Flame Spread of 5 on both the inside and outside of the duct (ASTM E-84) ... Why Use Factory mutual Approved or UL Listed Duct ? ... Duct -O-Wire has the most complete line of pendant stations in the industry. ... The Duct -O-Wire Collision A...
... Flight & Pilot Training. Flight Lessons. Alpha One Flight School. Call Today. Plymouth, MA. Alpha takes the volatility (price risk) of a mutual fund and compares its risk-adjusted ... Pursuing Alpha In A Well-Diversified IRA - This strategy is ... Ranks and Profiles 4000 hedge f...
Mutual in Biological News
Biologists find unusual plant gene: abstinence by mutual consent
Biologists at the University of California, San Diego have discovered a gene in plants that disrupts fertilization only when mutations in the gene are present in both the female and male reproductive cells. Their discovery, detailed in a paper that appears online today in the journal Current Bi...Tulsa County Sheriff Selects BIO-key(R) Mobile Data System
... hardware and software. The hosted system also provides participating agencies with a secure, scanner-proof way to communicate with each other in mutual aid situations. The Sheriff's Office expects that this will help in the fight against narcotics and human trafficking along the I-44 corridor, which t...Tulsa County Sheriff Selects BIO-key(R) Mobile Data System
... hardware and software. The hosted system also provides participating agencies with a secure, scanner-proof way to communicate with each other in mutual aid situations. The Sheriff's Office expects that this will help in the fight against narcotics and human trafficking along the I-44 corridor, which t...When industrious ants go too far
...o in this relationship, the ant wins, and the plant appears to have lost. So does this mean that octoarticulatus is really a parasite rather than a mutual partner? That's hard to say, according to Dr. Frederickson. Nodosa plants generally live about 77 years, while ant colonies only live seven to 14 yea...Business, scientific, higher education groups laud President Obama's commitment to science
...bal competitiveness, and economic growth. The FY09 bill also includes significant resources for these and other agencies, an important step toward our mutual goal of significant, sustainable, and predictable annual increases for basic research funding. While we await the details of your FY10 budget, we ...3 Woods Hole scientific institutions forge alliance to address societal issues
... the consortium will facilitate research and educational collaborations that capitalize on the complementary strengths of the institutions in areas of mutual concern, including: Climate change and its impacts Sustainable energy Earth's processes and cycles Land-ocean-atmosphere interactio...Exploring the dynamic relationship between health and environment
...lliam Sullivan (University of Illinois at Urbana-Champaign) will then contribute to a panel to discuss situations in which policy making can result in mutual benefits for health and the environment. On Friday morning, the value of genomic research in investigating evolutionary patterns of pathogens takes...Periodontitis and myocardial infarction: A shared genetic predisposition
... This release is available in German . A mutual epidemiological relationship between aggressive periodontitis and myocardial infarction has already been shown in the past. Scientists at the universi...Van Andel Research Institute and TGen undertake alliance to promote science and health
...on agreement.'' The partnership between Grand Rapids, Mich.-based VARI and Phoenix, Ariz.-based TGen will enable both institutes to speed up their mutual goals of moving research discoveries about cancer and other debilitating medical conditions as quickly as possible from laboratories to patient care. ...BIO-key(R) Mobile Data and Messaging Solutions Link Nebraska Law Enforcement Agencies
...ven agencies across thirteen Nebraska counties. Officers from different departments will be able communicate with each other silently and securely in mutual aid situations, meeting the region's interoperability objective as required under the PSIC grant. The award also provides the Lincoln Police De...Mutual in Biological Technology
CIO of CUNA Mutual Group talks on business-IT fusion
When Rick Roy came into CUNA Mutual Groups IT shop, he wasnt coming into a crisis or a turn-around situation. His predecessor, Steve Haroldson, retired leaving its IT organization with strong connections to the business and was delivering on its operational promises. As the new guy with big shoes...PDI Reports 2009 Second Quarter Financial Results
...offerings Facilities realignment and continued cost reductions mutual termination of product commercialization contract Appointment of curr...in 2009 due to a reduction in the loss contract accrual associated with the mutual termination of this contract. Total operating expenses for the seco......Ricardo aims to create a framework in which fundamental challenges in this area can be investigated and researched in a pre-competitive manner for the mutual benefit of participating companies. Particular areas of interest for the consortium include: the implications of extreme engine downsizing and ...
KTA Capital Advises SpringTree Global Investors on an AU$25.5 Million Investment in Prima BioMed Ltd
...as well as M&A advisory. In its business it leverages its relationships with literally hundreds of institutional investors, including hedge funds, mutual funds, private equity funds, venture capital funds, bond funds, mezzanine debt funds, private placement funds, investment advisers, national, regional...Thomson Reuters Partners With Sagient Research
... of specialized research and data, developing, producing, and selling proprietary research products to global enterprises, including investment banks, mutual and hedge funds, pharmaceutical companies, academic institutions, and government agencies. Through the BioMedTracker research service, they monitor ...STALLERGENES: Strong Sales Growth in 1st Half-Year: up 12% Full-Year Guidance Maintained
...lf-year 2009 with the positive results of the phase III clinical study carried out on the house dust mite desensitization tablet. Moreover, the mutual recognition procedure for Oralair(R) (grass pollen desensitization tablet) started at an operational level and should lead to registration in most Eur...Insmed Announces Addition to the Russell 3000(R) Index
...2009, and serves individual, institutional and advisor clients in more than 40 countries. Founded in 1936, Russell is a subsidiary of The Northwestern mutual Life Insurance Company. About Insmed Insmed Inc. is a biopharmaceutical company with unique protein development experience and a proprietar...Cell Therapeutics Added to Russell 3000(R), Russell 2000(R) and Russell Global(R) Indexes
...2009, and serves individual, institutional and advisor clients in more than 40 countries. Founded in 1936, Russell is a subsidiary of The Northwestern mutual Life Insurance Company. About Cell Therapeutics, Inc. Headquartered in Seattle, CTI is a biopharmaceutical company committed to developing a...Mylan Announces Strategic Collaboration with Biocon to Enter the Global Generic Biologics Market
...ke it to the next level around the world, especially in regulated markets. I am confident that our shared vision for the sector, complementary skills, mutual respect and work ethic will make this collaboration a remarkable success while bringing additional value to Biocon and its shareholders. Monoclonal a...China-Biotics, Inc. to Join Russell 3000 Index
...2009, and serves individual, institutional and advisor clients in more than 40 countries. Founded in 1936, Russell is a subsidiary of The Northwestern mutual Life Insurance Company. About China-Biotics, Inc. China-Biotics, Inc. ("China-Biotics," "the Company"), a leading manufacturer of biote...Mutual in Biological Definition
...ave affected the evolution of life, how ecosystems have responded to these changes and have changed the planetary environment in turn, and how these mutual responses have affected today's patterns of biodiversity . So paleontology overlaps with geology , the study of rocks and rock formations, and with ...
...her. The result would be a society-wide separation of powers. Steiner argued that increased autonomy for the three spheres would not eliminate their mutual influence, but would cause that influence to be exerted in a more healthy and legitimate manner, because the increased separation would prevent any on...
... the symbiont lives in the intracellular space of the host. An example of mutual symbiosis is the relationship between clownfish of the genus Amphiprion ...nd claims evolution is strongly based on co-operation , interaction , and mutual dependence among organisms. According to Margulis and Sagan (1986), "Life ...
...her. The result would be a society-wide separation of powers. Steiner argued that increased autonomy for the three spheres would not eliminate their mutual influence, but would cause that influence to be exerted in a more healthy and legitimate manner, because the increased separation would prevent any on...
... the symbiont lives in the intracellular space of the host. An example of mutual symbiosis is the relationship between clownfish of the genus Amphiprion ...nd claims evolution is strongly based on co-operation , interaction , and mutual dependence among organisms. According to Margulis and Sagan (1986), "Life ...
Mutual in Biological Dictionary
... part of a new field called industrial ecology. ... 2 Definition of industrial symbiosis and related terms ... Symbiosis (pl. ... An example of mutual symbiosis is the relationship between clownfish of the ... Some goby fish species live in symbiosis with a shrimp. ... Info & Tickets f...
...oting the organ in its historic and evolving roles, encouraging excellence in the performance of organ and choral music, and providing a forum for mutual ... Organ - Definition of Organ at Dictionary.com a free online dictionary with ... Pipe organ . Musical organs . Female organ . Organ don...
...n biology, a host is an organism that harbors a virus or parasite, or a mutual or commensal symbiont, typically providing nourishment and shelter. In bota...logy , a host is an organism that harbors a virus or parasite , or a mutual or commensal symbiont , typically providing Searchable directory of web ...
...he legendary Mekka & Symposium. ... The concept of Breakpoint was born in late 2002 when internal tensions within ... Breakpoint For load mutual funds, the dollar amount for the purchase of the fund's shares that qualifies ... (disambiguation). Not to be confused with Break point . ... bre...
...ine, see Altruism (ethics) ... Main articles: Altruism in animals, Evolution of morality, and Evolutionary ethics ... Reciprocal altruism , mutual aid ... Altruism is an ethical doctrine that holds that individuals have a moral obligation to help, serve, or benefit others, if necessary at th...
...oting the organ in its historic and evolving roles, encouraging excellence in the performance of organ and choral music, and providing a forum for mutual ... Organ - Definition of Organ at Dictionary.com a free online dictionary with ... Pipe organ . Musical organs . Female organ . Organ don...
...n biology, a host is an organism that harbors a virus or parasite, or a mutual or commensal symbiont, typically providing nourishment and shelter. In bota...logy , a host is an organism that harbors a virus or parasite , or a mutual or commensal symbiont , typically providing Searchable directory of web ...
...he legendary Mekka & Symposium. ... The concept of Breakpoint was born in late 2002 when internal tensions within ... Breakpoint For load mutual funds, the dollar amount for the purchase of the fund's shares that qualifies ... (disambiguation). Not to be confused with Break point . ... bre...
...ine, see Altruism (ethics) ... Main articles: Altruism in animals, Evolution of morality, and Evolutionary ethics ... Reciprocal altruism , mutual aid ... Altruism is an ethical doctrine that holds that individuals have a moral obligation to help, serve, or benefit others, if necessary at th...
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(Date:11/27/2009)...stCall/--TheGymboreeCorporation(Nasdaq: GYMB )anno...AQOMX23rdInvestorProgram,whichwillbeheldattheMayFa...,at11:45a.m.GMT. ,, TolistentoalivebroadcastofT...,pleaselogontowww.gymboree.com,clickon"OurCompany"...s"andthen"ConferenceCalls&Webcasts."Thewebcast...
(Date:11/27/2009)...cles may reduce future disease burden, researchers...) -- Encouraging city dwellers to walk and bicycle...blic health benefits than increased used of low-em... The study compared the projected health effects i...os for London, England, and Delhi, India: busines...
(Date:11/27/2009)...acturers who use medical load cells at the heart o... bringing in technology partner Flintec early in t...e medical manufacturers are calling in Flintec loa...cts, ensuring that progress will not be constraine...ated technology. , (PRWEB...
(Date:11/26/2009)...lybdate (TM) has been shown in studies to be effec... caused by an overload of copper, and certain meta...owever, is known about how the drug works at the m...n University researchers now has provided an inval...bound to copper-loaded metallochaperones. The drug...
(Date:11/26/2009)...e Dental (RTDental), a leading dental group practi...expansion of its services to include LUMINEERS by ... , Durham, NC (PRWEB) -...that Dr. Doug Macmillan, an experienced LUMINEERS...ed training seminar. RTDental’s ability to ...
Breaking Medicine News(10 mins):Health News:More Foot Power, Less Car Pollution Best for Health 2Health News:Pro-active Manufacturers Save Millions with Advanced Flintec Medical Load Cells 2Health News:Pro-active Manufacturers Save Millions with Advanced Flintec Medical Load Cells 3Health News:Pro-active Manufacturers Save Millions with Advanced Flintec Medical Load Cells 4Health News:Research sheds light on workings of anti-cancer drug 2Health News:Research sheds light on workings of anti-cancer drug 3Health News:Dr. Douglas Macmillan Now Providing LUMINEERS at Research Triangle Dental 2[0] The Gymboree Corporation to Present at NASDAQ OMX 23rd Investor Program[0] More Foot Power, Less Car Pollution Best for Health[0] Pro-active Manufacturers Save Millions with Advanced Flintec Medical Load Cells[1] Research sheds light on workings of anti-cancer drug[0] Dr. Douglas Macmillan Now Providing LUMINEERS at Research Triangle Dental
(Date:11/26/2009)...e antlers, red deer have been caught in the hunter...e much more than decorative. They are lethal weapo...urrey, from The University of York, UK, has been i...over half a century and has become fascinated by t...standing collaboration with Tomas Landete-Castille...
(Date:11/26/2009)...r 2009 What are the bare essentials of life, the ...ll that can survive on its own? Can we describe th...an entire organism functions as a system? These ar...partnership between the European Molecular Biology... Centre de Regulacio Genmica (CRG) in Barcelona, S...
(Date:11/25/2009)...t have easy lives. In addition to mammalian immune...enemies called bacteriophages, viruses that kill h...ll, bacteria and another class of microorganisms c...ments such as deep-sea volcanic vents) manage just...t-in defense system that helps protect them from m...
Breaking Biology News(10 mins):Tough yet stiff deer antler is materials scientist's dream 2First-ever blueprint of a minimal cell is more complex than expected 2First-ever blueprint of a minimal cell is more complex than expected 3Researchers discover biological basis of 'bacterial immune system' 2Researchers discover biological basis of 'bacterial immune system' 3Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 1Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 2Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 3Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 4Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 5Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 6Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 7Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 8Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 9Shamir Optical Industry Ltd Reports Third Quarter 2009 Results 6374 10Hill Rom to Host Investors Conference in New York City 6371 1Merz Pharmaceuticals Announces Approval of Post stroke Upper Limb Spasticity Indication for Xeomin 28R 29 in the EU 6368 1Merz Pharmaceuticals Announces Approval of Post stroke Upper Limb Spasticity Indication for Xeomin 28R 29 in the EU 6368 2Merz Pharmaceuticals Announces Approval of Post stroke Upper Limb Spasticity Indication for Xeomin 28R 29 in the EU 6368 3Merz Pharmaceuticals Announces Approval of Post stroke Upper Limb Spasticity Indication for Xeomin 28R 29 in the EU 6368 4| Copyright © 2003-2009 Bio-Medicine. All rights reserved. ABOUT | CONTACT US | DISCLAIMER | PRIVACY POLICY | TERMS AND CONDITIONS |  |