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Angara Solitaire Tanzanite Leverback Earrings twe4IaQivg
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26.2 percent Kaiser 34.6 percent Rocky Mountain HMO 27.1 percent

The rate filings are Marco Bicego Jaipur Drop Earrings with London Blue Topaz u0NOvmkV
and the SERFF filing numbers are on the Colorado Division of Insurance statement about the approved rates . Some of the filings clearly indicated that a factor in the overall increase was the expected lack of enforcement of the individual mandate (or at least a perception that it wouldn’t be enforced) which insurers expect will lead to fewer people enrolling, and a less healthy risk pool than there would be if the individual mandate were being strongly enforced. The individual mandate has been repealed altogether as of 2019, but is still in place in 2018. The perception that it isn’t (or that it isn’t being enforced) results in a less healthy risk pool, however, as healthy people are more likely to go without coverage.

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The rates that were approved in September were based on the assumption that cost-sharing reduction (CSR) payments would continue to be made to insurers. Colorado Insurance Commissioner, Marguerite Salazar, noted that “ recent signs point to more and more bi-partisan support of the CSRs, so I believed it was important to use the CSR-funded premiums in our review… I simply cannot ask my fellow Coloradans to pay even higher premiums for something that at this point almost everyone agrees should be fixed .”

The Colorado Division of Insurance estimated (based on the alternate filings that insurers submitted) that premiums would have to be up to 14 percent higher (compared with the initially approved rates) in 2018 if CSR funding were to be eliminated, but they were hopeful that it wouldn’t come to that.

They indicated that they would only implement the backup rates if CSR funding were to be definitively cut off — as opposed to just ongoing uncertainty, which had already triggered many states to have insurers add the cost of CSR to their premiums.

But unlike other states where insurers have loaded the additional premiums only on silver plans , Colorado insurers were instructed to submit supplemental filings that spread the cost of CSR across plans at all metal levels. The largest additional average increase that any Colorado insurer filed was 14 percent; the other filings were for smaller average increases, with an Angara Oval Pink Tourmaline and Diamond Three Stone Ring in Platinum kBg9RLr
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The Colorado Division of Insurance clarified that their decision to have insurers spread the cost of CSR across all metal plan premiums (as opposed to just silver plan premiums) was made because the state wasn’t sure that the federal government would accept a silver load strategy. Insurers filed the backup rates in the early summer of 2017, and it wasn’t entirely clear what other states were going to do at that point. Although almost all states ultimately ended up having insurers add the cost of CSR only to silver plan premiums — and the federal government didn’t push back against that strategy for 2018 — Colorado regulators were afraid that they would end up in a situation where they needed to deploy their backup rates, only to find out that the federal government wouldn’t allow those rates, leaving them with no fallback plan. Hence, the backup plan included adding the cost of CSR to premiums for 2018 plans at all metal levels.

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Browse I amsterdam's September highlights for an idea of the festivals, performances and other special events in store throughout the month.

Amsterdam festivals, events and exhibitions in September

As we cling to the last rays of summer, September in Amsterdam still offers plenty to do around the city. Terraces , parks , canals , Angara Tanzanite Ring GIA Certified Oval Tanzanite Cocktail Ring with Diamond Halo r6uEFNIi5
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are all buzzing while the festival line-up covers everything from costumes to experimental music.

For more inspiration search the complete Amsterdam event guide.
Diverse locaties 1012 JS AMSTERDAM
Diverse locaties in Amsterdam
08/09/2018 - 09/09/2018
Klonne plein 1 1014 DD AMSTERDAM
Westergasfabriek
21/09/2018 - 23/09/2018
Kattenburgerstraat 1018 JA AMSTERDAM
Marine Etablissement Amsterdam
02/09/2018
Prins Hendrikkade 1011 AG AMSTERDAM
Dam tot Damloop
22/09/2018 - 23/09/2018
Diverse locaties/various locations 1073 TN AMSTERDAM
Amsterdam Fringe Festival
06/09/2018 - 16/09/2018
Amstelveld 1017 JD AMSTERDAM
Amstelveld
14/09/2018 - 16/09/2018
Contactweg 150 1014 BW AMSTERDAM
Thuishaven
08/09/2018

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We discuss the glory of lifelong friendship

By Ella Alexander
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The Christmas season is here, and many of us will be heading back to our respect motherlands to see family and, in between that strange space between Christmas and New Year, we might catch up with old friends.

When I say ‘old friends’, maybe it’s best to start with what they’re not. It isn’t someone you’ve known for a while that you catch up with in stilted sentences when you visit your hometown. It’s not someone you feel obliged to see because you’ve known each other for a long time. It’s not someone where conversation is only solely limited to updating each other on how your job is and whether or not your have a partner. They certainly don’t make you feel inadequate about your life choices, whether intentional or not. Those people are acquaintances, not friends. It’s a misconception that the word acquaintance is only applied to someone you’ve only recently met or whom you have never been close to.

If a friendship can survive in spite of good and bad feelings, through changing circumstances and geography, through maybe long-term absences, and regardless of differing interests… if its existence remains fixed despite all of that, then that’s precious. If you have an appreciation for who someone was as well as the person they’ve become, then surely that’s the full monty, the full fat, top dollar version of friendship.

Old friends might ask you about your job or boyfriend, but they’re also the ones you’ll riff with, the ones who within an hour you’ll be uncontrollably laughing with, the ones you feel relaxed and calm with, the ones that remind us of who we are – even parts that we might have forgotten because they were there at that family party, they remember the heartbreak you felt when you broke up with your first love and how it changed you. They have a better understanding of who you are now because they understand and know you were and where you’re from.

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Not everyone has these friends and that’s what makes them as precious as the last page in your favourite book. We live in a world where it’s never been easier to communicate, and yet maintaining old friendships still feels difficult. We’re busy people and, for a lot of us, the idea of sustaining a relationship beyond a decade with someone whom they’re not related to feels nigh on impossible. But that’s where the lines blur slightly – true old friends are the closest it gets to family. But, unlike with some family members, there is absolutely no keeping up with appearances. They don’t mind that you haven’t been promoted yet or that you haven’t met the love of your life – that’s not why they’re friends with you.

Pros

Situation offers fun perks - free tickets, office events, museum reimbursement, etc. - and has a collaborative, upbeat atmosphere. A recent restructure of the 'chain of command' has created clear growth paths, and seniors actively look for growth opportunities for their teams. Digital continues to expand (content development, live streaming, 360, wearables) and Situation never shies away from trying to bring a new idea to life. Show More

Cons

"Following process" can be more like a guideline than a rule. If you like to follow very strict steps (and want others to follows those steps, too) to get things done, this might not be the right fit for you. If you enjoy starting with an idea and figuring things out along the way with teammates, this is your jam.

Advice to Management

Continue to develop middle management team and empower them to drive decisions for their departments and, as a group, for the agency.

Situation Interactive Response

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Pros

The fast-paced, always evolving environment really gives employees ample opportunities to grow with the company, as long as you're ambitious and keep up with trends that arise.

Cons

Senior leadership isn't always on the same page, which makes it difficult to expect the rest of their teams to effectively collaborate and communicate.

Advice to Management

Lead by example, and stick together as a united front.

Situation Interactive Response

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I have been working at Situation Interactive full-time(More than a year)

Pros

A great dynamic digital agency, if you are keen to learn and grab an opportunity when it presents itself, then the sky is the limit at Situation. The leadership team are genuinely invested in the development of junior staff and that shows through in the culture and work. Nice mix of clients and verticals within the entertainment space, which lends itself to those who like a fast-paced changing environment where each day looks different. Show More

Cons

Due to the fast growth of the agency and the types of clients, you need to be a self-starter and be able to learn on the job. Processes are always changing which creates a chaotic work environment. Long hours are not uncommon, so a genuinue passion and excitement for your clients is a must to fit in here.

Situation Interactive Response

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