Democracy

Before being elected governor of Massachusetts in 2002, Mitt Romney headed up the Salt Lake City Olympic Organizing Committee earlier that same year. He had also made a run for the U.S. Senate against Ted Kennedy in 1994 and lost. However, he did so much better against Kennedy that most of his previous challengers had done, that his loss actually helped boost his political career. Since being elected governor, he has become one of the bright young stars of the Republican Party and surprisingly finished second in a recent straw poll of Republican insiders. Romney is a good speaker and an excellent campaigner. This could give him a big advantage over many of the other GOP hopefuls, which are perceived...

This article is one of a series dedicated to presidential history and historical sites. The state of Ohio is one of the best states to learn about the presidency, as five president's homes and libraries are located here. Join us as we follow in their footsteps... Ohio's Presidential History To this day, Ohio is a very important state in presidential elections. It's no wonder, because Ohio is closely tied to the presidency and the history of the office. Five presidents from Ohio are honored in the state with their official libraries and museums that introduce visitors to not only the men as individuals, but the presidency in general. Our 19th, 20th, 25th, 27th, and 29th presidents have visitor...

With the Columbian presidential run-off scheduled for June 30th, the public is being inundated with campaign information from various sources. In the case of Colombian presidential candidate Juan Manuel Santos, we have seen a successful campaign that has, so far, allowed him to take the lead in the presidential race. After pulling ahead to achieve a 46.4% victory over 2nd place candidate, Antanas Mockus (21.5%) in the May 30th election results, many are looking to Mr. Santos to win the June 30th election, as well. The primary factor in Mr Santos' campaign comes in the form of his political advisor, master political strategist J.J. Rendón. When we look at the campaign of Mr Santos and J.J...

If you have an interest in American history, an ideal history lovers vacation is a visit to one or more of the presidential historical sites located across the country. From stately 18th century mansions to humble frame houses to gleaming museums, these sites spotlight and chronicle the lives of American presidents... America's Presidents Beginning with George Washington in 1789, Americans have long been interested in the lives of our presidents. All told, forty three men have held the office, which is arguably the most prominent job in the world. Each of these men have shaped our destiny and deserve their place in history, politics aside. For the most part, their legacies have been preserved at the...

Stepping into the world of political prediction is a murky arena for an astrologer. My personal position is that I am for the good of all humanity, I want whoever wins to have a pure heart and intelligent mind, I want the candidate who will uplift and do what is right for the country, for all of humanity, and the planet. I am not a politician, I am simply offering what I see astrologically for the presidential race. Astrology offers insight into the nature of individuals and what the universe is asking us to do. When an astrologer is looking to make a prediction he or she looks at the symbols and from there makes a judgment based upon the symbolic language of the planets. This election is very...

You may have heard about the presidential cycle in stocks. Or maybe you haven't. If not, here it is in a nutshell: Stocks do their best in the third year of the four-year presidential term-that is, in the year preceding the next presidential election year. Since 2007 is the third year of the current presidential cycle-the next election will be in 2008-let's see whether there's any truth to the presidential cycle, or if it is just an urban myth. Various studies have been done on the phenomenon, covering different time periods and using different indexes as proxies for ''the market.'' All of the studies are in agreement. The presidential cycle is not a myth. Stocks, in fact, have historically done...

Several million dollars will be spent during the upcoming Presidential inauguration ceremonies in January 2009. As a naturalized citizen of this country, I question whether such ceremonial spending is appropriate at a time when such funds can be put to better use. I also have an idea for using the money to help poor families that are struggling to make ends meet. Each million spent on the inauguration can help a family of four from losing their homes. Here is one way that a million dollar can be used to save a family of four from being thrown out of their homes. Let us assume that a family of four is given a million dollars tax-free. If the family invests the million dollars securely earning just a...

In the United States we take the presidential elections very seriously and we realize that voting is a part of our responsibility for living in such a great nation. Of course, we also know that many presidential candidates will tell us anything we want to hear in order to get our vote and to get elected. This often drives us nuts because we want to hear the truth and we want to know that we can trust our future presidents with such an important job. Do you ever wish that you had a lie detector test that you could point at a candidate and know if they're telling the truth and not? Well, did you know that you can spot deception and deceit by reading body language? Here are a few tips that you can use...

I decided the reason my presidential campaign never got off the ground during the last presidential election was because I never had a slogan. For this campaign I will not make that mistake again. I took immediate action to find a slogan. Being a direct mail and mail order marketer I realize that any such slogan must be tested to see if it is effective. One trick we use is this: We steal other people’s headlines and slogans if they fit our situation. The fact of the matter is that I needed a proven slogan; one that had actually gotten somebody elected to President of these United States. I decided to steal President Eisenhower’s slogan: I shall go to Korea! Ike never said what he would do...

As much as many politicians complain about life on the campaign trail, it is hard to believe that many of them willingly extended its length. With very few exceptions, candidates began jockeying for position over a year prior to the earliest primary. While many may claim the early bird gets the worm, other may be sitting back and waiting for the worms to be gone and slip in for the real meat. Perhaps there's a need for such a long-running campaign, even if it only serves to insulate the citizens to the political rhetoric that will flow heavier down the pike. With the first primaries still several months away, the traditional start of election season, Labor Day, could now be viewed as the starting...

Established in the initial stages of the 1990's, Presidential Brokerage started with a unique chief goal which is to create a profitable business by treating its customers in the manner where they themselves would want to be dealt with. The practice of ethics and fairness, even with the fact that the two are strange commodities in pecuniary matter, were very critical in building a solid foundation of what it is at this point. Today, the tradition of Presidential Brokerage has never wavered. Even with the accomplishments under its feathers, they still characterize themselves as having that small culture where every single transaction is greatly appreciated. It also goes along with their products and...

Dr. Ron Paul has delivered 4,000 babies and claims to have the plan to deliver the US from potential bankruptcy. Indeed, Ron Paul believes that this great nation has lost its way and we need to get back on track. Some call him an isolationist, some call him a Constitutionalist. He compares his mission to the thoughts of Thomas Jefferson and claims to have a grass roots movement capable of a revolution in American Politics without one shot being fired. His supporters are diehards and believe in the cause, although admittedly some have gone online and embellished the true viability of Presidential Candidate Ron Paul. One Claimed that he was going to raise 17 million in a few weeks. Wow, that $17...

In Orange County, California, in San Diego, CA, in Los Angeles, La Jolla, Del Mar, Pacific Beach, Carlsbad, Oceanside, San Marcos, Mission Beach and Escondido or the cities of Huntington Beach, Anaheim Hills, Yorba Linda, Buena Park, Anaheim, Santa Ana, Costa Mesa, Irvine, Newport Beach, Corona del Mar, Laguna Beach, and Laguna Hills, Buena Park, Temecula, Indian Wells, La Quinta, or Palm Springs, unless you haven't turned on the television or read a newspaper during the 2008 Presidential election, or looked at the internet, you have seen claims mostly by the Republican campaign that the publishing media is biased. For the most part in this Presidential campaign, one candidate initially leveled...

Boards and senior management set policies to communicate the way that they expect the business to operate, and for staff to act. This helps support the strategic direction of the business, and contributes towards setting the culture of the organisation. A robust set of well-communicated and up-to-date policies that staff find useful and refer to regularly is a cornerstone of a good governance framework. Policy software provides a framework in which staff members, including the senior management team, and nonexecutive directors can operate, knowing the limitations of what they can do, and conversely what is expected of them. On top of this, there is an ever increasing raft of legislation that...

Corruption in America has weakened the faith of the American public as more and more people do not trust the integrity of the legislative and the executive branches of the government. Lack of ethics, human greed, and misuse of power are the main causes of corruption. From a government official, who takes bribe by handing down a contract, to a policeman taking money for letting a driver off on a traffic violation, corruption has become rampant in most of the American States today. Raising your voice against corrupt individuals, especially government officials, sometimes led to abuse, torture, false allegations, and even jail. This is because corrupt government officials have enough power to stop...

Wikipedia defines corruption as, "impairment of integrity, virtue or moral principle; depravity, decay, and/or an inducement to wrong by improper or unlawful means, a departure from the original or from what is pure or correct, and/or an agency or influence that corrupts." The above definition is quite clear and we can very well understand from the above definition as to what exactly corruption is. In general speaking, we say a person is corrupt when we find him/her not fulfilling his/her obligations and indulging in wrong practices. Corruption is omnipresent and quite prevalent in those societies where people are not conscious of their rights and do not feel responsible towards the society or...

Greed and corruption and deceit wreak horrendous havoc throughout our society and it does not appear to be limited to only some countries. It seems to be quite universal. One comes across it in the United Kingdom and America as well as some of these nations where we used to consider corruption to be rife. Now it is everywhere, and there seems to be a much more destructive wave of corruption and greed everywhere, where men are out only for themselves. The foundations have crumbled away. The solid rock of ethical morality has gone and has gone quite suddenly. Individuals are found out and they tumble fast. Families are devastated. Businesses fall and fail and crash. It is serious on so many levels...

Unfortunately for much of the corporate world, the daily grind includes politics within the work group. Regardless of what level the company is on within the corporate world, when workers come together in a hierarchical system there are always those jockeying for position, which always falls to political competition. In a corporate environment, there are extensive checks and balances to ensure proper work flow, and efficiency. These checks and balances are usually mandatory to the proper function of the company, but can in fact cause problems when the employees enforcing them become motivated by personal gain, as opposed to that of the work group. In most cases corporate politics become an innate...

Rajneeti ( politics)is a film by Prakash Jha one of the more successful film makers from Mumbai. Starring the latest heart throb Ranbir Kapoor and Katrina kaif the movie has somewhat belied the expectations built up before its release. The inspiration for the story appears to be the Godfather of Marlon Brando fame and its synthesis with the ancient Indian epic the Mahabharata. Jha creates twists and turns as he sets his story of power and politics in the heart land of India. Prakash would perhaps make us all believe that Indian politics is nothing but a game for big families and the mafia. This by itself is the big draw back of the movie. Yes, there is corruption and time serving in Indian politics...

It is a common belief of many people that politics and friendship cannot always go together. Just as making new friends can be a tricky business, mixing politics and friendship together can equally be tricky. During our first meeting with a potential friend, we know that talking about politics is a no-no. Small talks are safe so long as we stick away from politics. Other taboo topics include religion and sexuality. These topics can spark passionate debate which can apparently result to heated arguments if both sides cannot reconcile their views. All said, politics as a topic during initial stages of friendship could almost certainly bust a blooming friendship too soon. Is this always the case? Is...

Apparently Arizona's legislature didn't learn their lesson. For those that don't recall, Super Bowl XXVII was scheduled to be played in Arizona in 1993 but the game was moved because of Arizona's controversial position on Martin Luther King Junior's birthday. Every state in the union besides Arizona and New Hampshire recognized the slain civil rights leader's birthday as a holiday. Arizona voters finally approved the holiday in 1992 but too late to stop the Super Bowl from being moved and only after a tourist boycott crippled the state's economy. Now Arizona Governor Jan Brewer has signed into law an immigration bill which according to this article on says: "Arizona's new law, slated to go into...

In a bid to become the greenest government ever, the Coalition has recently devised a plan to allow public buildings to make a profit producing and selling back energy generated by green technologies. Wind turbines, solar panels, and even wave and tidal technologies will pay for themselves and generate income for councils looking for ways to maintain financial stability in difficult economic times. An energy saving smart meter can monitor the energy saving that each installation provides. The Local Government Act, established in 1976, has forbidden councils to sell excess power generated back to the grid in an attempt to protect the newly established private electric companies of that time. This ban...

Indeed, it goes without saying that everyone believes in different things. And they generally have a number of things that they believe in. For instance, perhaps a form of government, a religion, and political party, everyone believes in something, even those who claim to believe in nothing. Not long ago, I asked an acquaintance about this. My question was; "How Do You Feel About Community, Government, Family, and Faith?" And he suggested that I answer that question first, as he grew up in a socialistic society and country, where the people were shall we say; "Heavily Dependent on the Government" was his phrase I believe. Okay, so, I had to think about this, but here is basically what I told him...

If you are interested in putting up a small business and you are thinking about where to get additional funding, you may have heard about availing government grants for small business. Indeed, the government allots a certain amount each year to give to citizens who want to pursue a project or a business. But of course, as there are limited resources to cater to the needs of all citizens, screening and evaluation is always done to help the government choose the rightful recipient of the grant. Keep in mind that grants are given and not considered as loans, so you don't have to worry about paying it back. However, it is also important to know that as grants do not require repayments, availing of the...

Not long ago, someone who believes in the concept of a one world government had asked me what I thought about the whole concept. Indeed, it sounds like a nice idea, but unless it is done right, it won't work. My acquaintance stated that he felt mankind's future depended on it, and asked what I think about the whole thing. Okay so, let's discuss this and see what you (the reader) things about it. Turn on your mind and let's start this dialogue then. Indeed, I do not have a problem with world government although I am not sure whom I'd ever trust to run it, rather than myself. Perhaps a group of a dozen or so philanthropic benevolent dictators - with one caveat - if I were included of course. You see...

If you are in the market for an immediate annuity and are already taking Social Security, an oft-overlooked strategy is to let Uncle Sam give you a bid. Often, the government can give you a better return, on a lump sum, than an insurance company can. How? Let me give you an example, to illustrate. Imagine you are 70 years old and started your Social Security benefits at 62. You have $100,000, in cash, and you are considering using that cash to purchase an immediate annuity. One alternative, that few people know about, is paying back the Social Security benefits you have received. Uncle Sam allows you to do that without penalty and without interest. The Social Security Administration calls this a...

Who would not want to go to college? Of course, almost majority of the people want to pursue a degree in college. However, the problem is mostly financial and this makes most of the people come in to a halt. As an mom you going to or going back to college may be more difficult in a sense that you may have more obligations and responsibilities compared to teenagers or high school students. As an adult, you may already have a family to feed or worse have plenty of debts and bills to pay, but government grants for mothers can help you. Moreover, you may already be busy with a job and schedule for school might also be a hindrance in starting or getting back to college. However, the usual reason is the...

How many people a day do you think drive drunk in the United States alone? Is it 100, 500, 1,000 or more? We may not have an exact statistic from that but you could gain the idea by knowing that almost half of all driving accidents involved alcohol. With over 37,000 people who died in car accidents in 2008 that number is still to high to grasp onto. That is why we need to look to our government to try and see what they are doing to help combat this problem. One of these ways has just recently been passed into law and implemented in California.   California alone has almost 1,500 fatalities a year from people driving drunk. That comes out to about 4 people a day die from the result of a drunk driver...

John Lock was a classic liberal. He was one of the first political philosophers believing in natural rights as opposed to the divine right. In The Second Treatise of Government, Lock writes about the "state of nature" which is a pre-political society where people had natural rights and were all free and equal. In the section of The Second Treatise of Government entitled Of Property, Locke, using reason and religion, explains his theory about private property and how that property is acquired in the state of nature. Locke first says that by using reason or religion, the earth and its fruits belong to all of man for his own use. By using reason, Locke says, that simply by being born, man has a right...

People keep wondering about the best leadership style that one can practice. Some say that authoritarian leadership is the worst kind of leadership there is. But is it really? Let's try to explore what authoritarian leadership is like. Authoritarian leaders tend to say exactly what their followers need to do. They tell them when it needs to be done and how exactly they want it done. This way, the followers will know who the boss is and who calls the shots. There is an emphasis on formal authority. Titles are important and you have to have a title in order to be qualified for respect and following. Authoritarian leaders tend to make decisions by themselves. They rarely ask input from others. This is...

One of the most important parts of re-locating anywhere is having a bank account, somewhere you are able to deposit, send and withdraw money from. In the Dominican Republic there are numerous banking institutions, all of which are backed by the central bank, which means that your money will always be safe. In the Dominican Republic you can open an account in the local currency, Dominican Peso (RD$), American Dollars (US$) or Euros (EUR). These are the names of some of the banks in the Dominican Republic. Banco Popular Banco De Reservas Banco Leon Banco Del Progresso Banco Santa Cruz Banco BHD Scotiabank Citibank To open an account in any of the above institutions you will be required to provide a...

The country located on Arabian Peninsula, Yemen is the only state to follow a purely republican form of government. With Saudi Arabia, Red Sea, Arabia Sea, Gulf of Aden and Oman on its peripheries, its capital is Sanaa. The numbers of jobs in Yemen are growing every year in this territory that houses over 200 islands. Yemen can be divided into four regions in terms of geography- the Western highlands, the Eastern highlands, the coastal plains in the west and the Rub al Khali in the east. Its economy is heavily dependent on oil production and now on natural gas reserves to some extent. Yemen has an extremely high birth rate even higher than modern Persian Gulf Arab states and its population is...

Of all of the countries to join the European Union back in 2004 the Czech Republic has benefited most from its membership; and the country's economy has gone from strength to strength as a direct result. The increasing wealth of the nation is being distributed among its people because Czech citizens are benefiting from an abundance of better paying employment opportunities as more international companies relocate to the Czech Republic. All of these facts mean that the real estate market in the Czech Republic is currently buoyant, in demand and potentially very lucrative for overseas investors who seek to directly target the local market with rental accommodation and resale property. The key to...

1. Beat inflation If you have a pension or retirement income in US Dollars or Euros then you can expect to get far more pesos for it by virtue of the exchange rate, (that puts stronger currencies at a definite advantage.) And you can get even more if you invest in fixed deposits in the DR some of which can earn you 12 to 24 percent - perhaps tax-free. 2. Banking is easy As a retiree it's not difficult to open a bank or time deposit account in the Dominican Republic. (Unlike the hassles back home)- you only need to have a passport and no tax identification number is asked for. The Dominican Republic is one of the best places for offshore banking. 3. Affordable cost of living There are other...

The main attraction of Europe is in the history and centuries old architecture that speaks volumes by itself. Czech Republic is no exception to this rule. Prague, the capital city is filled with bridges that keep it connected as the Vltava River runs through it. No old European city is complete without imposing old Cathedrals; however, Prague's uniqueness is not only in its old rustic, red roof tops features but also in the fact that it is a modern metropolitan city as well with all the amenities and technology that you may require or need. Czech Republic casinos draw a lot of crowds both locally and tourists wise. Czech Republic counts 43 legal casinos in total spread around the whole country with...

Some people say that Hilary Clinton cannot win for President and that she may not even be able to win the Democratic Nomination, yet that is certainly underestimating one's opponent. This is a dangerous thought for Republicans to believe and yet so many do, why? Is it blindness and wishful thinking? Why couldn't Hilary win the Presidency? Hilary has the savvy and if Bill backs her and does not have a heart attack on the 3-year campaign trail, it could happen those campaign trails are nuts and anything can happen. Regarding the Clinton powerhouse team, well it is still fully engaged and they have lots of connections to get funds rolling too and it is often about the money right? What if she becomes...

There are no hard and fast rules of how you should discipline your child. Though parenting skills are equipped with all parents automatically, the level of the effectiveness varies according to the parenting styles applied by the parents. There are many books and classes about parenting style and which method to follow. Authoritarian, permissive, and democratic are the three main types. Authoritarian is considered to be a very strict way of disciplining. Parents are always right. Parents have full control over children. Permissive parenting style is the total opposite of authoritarian parenting style. The control lies with the children. No rules and regulations to follow. Children are free to do...

Introduction The concept of corporate governance, which emerged as a response to corporate failures and widespread dissatisfaction with the way many corporates function, has become one of the wide and deep discussions across the globe recently. It primarily hinges on complete transparency, integrity and accountability of the management. There is also an increasingly greater focus on investor protection and public interest. Corporate governance is concerned with the values, vision and visibility. It is about the value orientation of the organisation, ethical norms for its performance, the direction of development and social accomplishment of the organisation and the visibility of its performance...

It is of utmost importance that patients receive the highest possible standard of care as set out in the NHS "Clinical Governance and Quality Assurance" guide. Care and safety are the real watchwords here and these are what are known in certain instances as "high tech home care". The National Health Service together with its partners seek to maintain and improve these standards of care and safety standards. The UK is very proud of the level of service that it is able to provide its citizens when they become ill, injured or in any other way in need of health care and this is something the country wishes to continue to improve upon in the years to come. Despite various criticism from within the...

The UK Corporate Governance Code, updated by the Financial Reporting Council (FRC), contains new guidelines on executive remuneration largely reflecting concern over recent events in the banking sector. As such it represents essential reading for all those involved in executive reward and supporting Remuneration Committees. The FRC is "the UK's independent regulator responsible for promoting high quality corporate governance and reporting to foster investment." Its Code, which applies to all UK listed companies, operates on a "comply or explain" basis. In other words, companies either comply with the code or have to explain how else they are acting to promote good governance. The Code includes a...

Rise in incidence of corporate debacles and scams in India such as the Satyam fiasco and the recent case of embezzlement by a Wipro insider only brings out the need for India Inc, including the SME sector, to have strong corporate governance policies in place. Strengthening the organisational structure as well as re-examining the administrative strategies has become imperative for Indian SMEs to avert corporate frauds in future. Need for implementation of stringent corporate practices Adhering to regulatory guidelines is of prime importance for SMEs to make their investors and stakeholders hold positive perceptions about the conduct of the company's business. Executing good corporate practices will...

Clinical governance plays an important role in clinical documentation and is defined as the process of quality assurance that will ensure that the standards of care giving are maintained and of course improved upon and the National Health Service id accountable to the public if anything goes wrong. Clinical governance works based on the seven pillars which are the key areas on which it works- it acts as a kind of regulatory body and monitors closely the standards and level of the service provided. Clinical governance thus covers Clinical effectiveness and research, clinical audit, education and training, risk management, patient and public involvement, staffing and staff management and using...

The impact of the crises started to diminish. Still, all key players, including top executives, regulators and investors, have much to learn from the global financial failures. The Organisation for Economic Co-operation and Development (OECD) Steering group has issued a report entitled Corporate Governance Lessons from the Financial Crisis. This Report concludes that among major contributors to the financial crisis are failures and weaknesses in corporate governance arrangements. When they were put to a test, corporate governance routines did not serve their purpose to safeguard against excessive risk taking in a number of financial services institutions. Other key contributors to the global...

The US President uses a pardon to ease the punishment of a crime committed by someone or a body. The pardon has changed considerably since its beginning of the original definition specified by the Constitution. The President can only pardon for crimes against laws that are directly under his authority as a chief executive. Early Uses of the Pardon The model of US pardon is inspired from the English system. An English king had the authority and royal freedom to pardon almost every type of crime committed against the Crown. The makers of US Constitution took incorporated this definition and their version into this document. The section they included extended an important quantity of power to the...

Although you might not believe me, I endorse the EzineArticles policy on promoting a positive climate. The more positive, the better chance a message gets delivered. Yet I'm also against the positive-climate-dictatorship. That is a wider policy companies use to direct the office climate. A few examples you will find in such an environment are: - If you don't know an alternative, you'd better keep quiet (this is used for meetings or decisions or even presentations, etc) - Never get angry - The mandatory sales-training for non-sales employees - Etc. The first example is to speed up the decision taking process. If people cannot contribute a positive element to the discussion they'd better shut-up. This...

’s national government offers a tempting variety of financial incentives designed to lure inbound foreign investment, some of which were introduced by this author in the article “Investing in China: Tax Incentives”. However, additional incentives offered by provincial and local governments significantly sweeten the investor’s overall incentive package. These incentives tend to become more generous as one moves westward from the investment-saturated coastal provinces to China’s heavily populated interior, allowing the investor to cash in on China’s fierce domestic competition. Central China’s Henan province, for example, offers manufacturing-oriented Foreign...

It is bad enough for humankind to be sitting on one ticking time bomb. But the situation becomes alarming when we realize that there are multiple time bombs with their fuzes burning rapidly that threaten the very survival of the human race and our planet today. For a long time the stupor of indifference has been made even worse by active degeneration of the situation which has accelerated over the last few decades. Vested interests, lobbies of various businesses or political groupings, and the extreme hatred that is being spread in the name of religion across the length and breadth of the world are fast bringing the situation to a climax. The first crisis relates to the plundering of our...

> Who said television is expensive for your local political race? If you are running a political campaign and you believe this, you are putting your candidate at a significant disadvantage and without reason... “Our campaign can’t afford television” sadly are words said too often in political campaign offices. The reality is the days where political candidates could not afford television are not part of our past. With the advent of political media production companies designed to assist candidates and special interest concerns at the local level, the ability to present a positive, professional image of your campaign is available for a mere $499. If you think you need those campaign buttons...

The occurrence of a politically motivated terrorist attack grabs the immediate attention of travelers. This is especially true when the attack takes place in a country the traveler is scheduled to visit or is already visiting. How can travelers protect their travel costs - and ensure medical care and evacuation coverage - in the case of a terrorist attack? Most insurance companies rely on the U.S. State Department to publicly declare an attack to be terrorism as the deciding factor that allows for coverage. Once that is established, there are two separate time periods during which most travel insurance plans will cover insured travelers: - after they buy their insurance plan but before they leave on...