They protect your plan incentives while also guarding members from undue cost exposure. Optum Rx Copay Card Solutions is a suite of two programs designed prevent manufacturer assistance programs from disrupting your benefit plan. It doesn’t seem right that one member can meet their deductible essentially ‘for free’ using a copay card, while their co-worker has to spend their own money to meet the same deductible. This puts plan sponsors in an uncomfortable position. ![]() ![]() But copay assistance only applies to members who take specific drugs. If each plan member pays the same premium, they should get the same coverage. This effectively reverses the cost incentives built-in to the HDHP design.Īll of this points to a basic question of fairness. For example, if a plan has a $2,000 deductible, and a copay card pays the $2,000 cost share, the deductible would be met immediately. The same is true for plan sponsors who utilize a high deductible health plan (HDHP). That effectively reduces the monthly copay to zero, which is not the intention of the plan design. If the member has a $100 monthly copay, the copay card offsets that entire amount. Take a specialty drug that costs $4,000 per month. Copay assistance can significantly disrupt these plan designs. But in order to work, the benefit plans have to work the way they were intended. 4 Copay assistance presents challenges for plan sponsorsĮmployers take a great deal of care to design prescription drug plans that best meet the needs of their employees and their business. This amount was spread across over 669 programs among 253 different manufacturers - a 48% increase since 2016. Copay assistance dollars for commercially insured plans tripled from $6 to $18 billion just between 20. 3Ĭopay assistance programs are a significant and growing presence in the specialty drug world. Researchers from Harvard, Kellogg and ULCA business schools calculate that consumers pay up to $2.7 billion more for health care because of copay assistance. Overall, individual consumers wind up paying more, not less. Those increased costs are passed along to members in the form of higher premiums. Unfortunately, when coupon programs drive increased sales of high-priced drugs, employers and insurers must pay for them. One study found that for every $1 million invested in coupons, pharmaceutical manufacturers realized more than $20 million in profits. 1Īs tools, coupons are extremely effective. This may circumvent plan sponsors' formulary strategy, as the presence of a copay card means patients may not have financial incentive to utilize a lower-cost preferred therapy. Drug manufacturers use them to steer insured patients toward their medication. Ĭopay coupons, at their core, are a marketing tool. Manufacturer copay assistance programs help insured patients afford expensive prescription drugs by covering part or all of a member’s deductible and copay for certain medications. ![]() Drug maker copay cards can disrupt your benefit strategy unless you act.Īs drug costs continue to rise, drug manufacturers have designed ways to reduce the out-of-pocket costs for patients.
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Select the appropriate diff or merge tool in Tower's preferences. ![]() Testing General Functionality of an External Tool If you're trying to use the tool for merging, please make sure that it indeed fully supports this.Please quit the tool completely before opening it from within Tower.Please install the latest version of the tool.If - despite this very simple behavior - problems should occur, here are some hints for troubleshooting. When connecting with an external tool, Tower simply calls the standard Git commands for these situations in the background ("git difftool" resp. Troubleshooting Problems with External Tools If your tool reacts in this unpleasant way, you might still get an acceptable workflow by turning on the "Perform directory diff" option in Tower's preferences on the "Git Config" tab. However, not all diff tools can handle this scenario some react badly by opening just the first of the involved files - and show the next one only after being quit. In this situation, the "git difftool" command sends changes for every file to the diff tool in the background. two branches or a revision with its predecessor) many changed files are involved. ![]() When comparing whole revisions with each other (e.g. If your tool of choice is not supported, please have a look at our instructions on how to integrate custom tools. If you encounter any problems, please see below for a detailed troubleshooting guide as well as notes on individual tools. Here, you can choose one of the supported tools that are installed on your machine. ![]() To configure an external application for these purposes, you need to open Tower's preferences dialog on the "Git Config" tab. Tower offers direct integrations for a lot of diff and merge tools. However, it often makes sense to use a dedicated Diff or Merge tool application for these jobs. Tower allows you to view diffs as well as solve merge conflicts right from within its interface. ![]() Collector ( C ) Principle of operation of the two transistor types PNP and NPN.current regulating devices that control the amount of current flowing through themīJT Basic construction The BJT is a three terminal device that produce two PN junctions.p-type semiconductorsthe material lead to a deficiency of electrons and therefore an excess of positive charge carriers or “holes.”.n-type semiconductorsthe impurities result in an excess of electrons, or negative charges.which basically describes the physical arrangement of the P-type and N-type semiconductor materials.Two basic types of bipolar junction transistor construction,.If the transistor is a PNP, then the arrow points to the base of the transistor, otherwise it points to the output.The symbol of the transistor has an arrow on the emitter.Each transistor has 3 leads which we call base, collector and emitter, and we use the symbols b, c and e respectively.if the two materials are N and the middle one is P, then we have a N-P-N material or NPN.if the two similar materials are P and the middle one is N, then we have a P-N-P or PNP transistor.A BJT (Bipolar Junction Transistor) transistor has inside two similar semi conductive materials, and between them there is a third semi conductive material of different type.Impurities have been introduced by a process called “doping”.The transistor is an arrangement of semiconductor materials that share common physical boundaries.Brattain, and William Shockley(later jointly awarded a Nobel Prize) It was also independently developed nearly simultaneously by Herbert Mataré and Heinrich Welker, German physicists working at Westinghouse Laboratory in Paris. A semiconductor device that Amplifies, Oscillates, or Switches the flow of current between two terminals Invention of the Transistor American physicists John Bardeen, Walter H. ![]() If you have any questions, you may ask them in the comment/question box on the form or call the theater at 21 and leave a message.Ĭlick here to apply to perform at Open Mic at Footlight, our open mic/open stage event. With advanced notice, we may be able to arrange for an accompanist. A keyboard, 3 microphones, Bluetooth, and a sound tech will be available. ![]() Performances should be limited to 10-15 minutes. Applicants will be contacted one week prior to the event via the email address provided on the application to confirm if they have been selected or not. Performers will be chosen to allow a mix of new and returning performers, as well as a balance of performance styles. To encourage new and varied performers, we have an application to perform rather than registration. Snacks and beverages available by donation."Dinner and a Show" raffle prize featuring local restaurants and Footlight show tickets. ![]() A different "Featured Artist" each event!.Walk-in performers may be accommodated as space allows. Family Friendly event: children are welcome (and encouraged to perform)! Admission is $5, but free for registered performers (up to a 15 minute set). Come share some anxiety and take a chance! If you’re a veteran of the stage, you are also very welcome.ĭoors open at 6:45pm. Never performed? Perfect! We’re nervous too. Footlight is a warm and inspiring place for our community, friends, and neighbors to come together to connect and celebrate each other’s talents. While we will miss the alliteration of “Friday Night at Footlight,” it just no longer works…because (new for this season) the events will be held on the first SATURDAY of non-show months. The event name is changing to Open Mic at Footlight. Our open mic event is back with some changes for the 2023-204 season. Open Mic at Footlight AND Karaoke?! Yes, please! ![]() Developer Comment: We've received a great deal of feedback over the visuals and fantasy element of this ability during the latest PTS cycle, and we're going to continue working on both the story being told with the ability as well as the gameplay interaction of how you come to activate it.This morph now deals Fire Damage instead of Magic Damage, and heals 2 friendly targets, up from 1.Increased the healing by 3.3%, since it was missing rank up progression.This morph remains as a healer focused ability.This effect cannot stack from multiple sources. This morph no longer grants Minor Resolve after casting, but instead enhances the "Stagger" mechanic where enemies affected take 45 extra damage from any attack, per stack.Updated the visual effects for this ability and the Stone Giant morph.Reduced the cost of this ability to 3443 from 4050.If the target was stunned, all stacks of Stagger are removed. After 3 stacks, the enemy will be stunned by the next Stonefist cast at them, including from other Dragonknights. This ability no longer stuns the target outright, but instead applies a stack of "Stagger" to the enemy for 5 seconds.Increased the damage by approximately 66%, but no longer deals double damage if the target was stunned.It now deals Physical Damage with a reduced range of 15 meters, down from 28. Reworked this ability to be a Stamina based "spammable" attack.Alternatively, Stone Giant will increase your Physical Resistance while having reduced cost. Obsidian Shard reduces the damage but also heals you or a nearby ally. It is a good way to quickly disable a nearby opponent, either allowing you to deal with fewer melee attackers nearby, or to allow you to charge up a heavy attack or other ability as a follow-up. Stonefist deals physical damage and stuns enemies. Each hit applies Stagger, increasing damage taken by per stack for 5 seconds. Activating the ability again allows you to launch part of the debris at an enemy, dealing 6351 Physical Damage, up to 3 times. Debris ripped from the ground is held around you for 10 seconds. Stone Giant: Crush the earth beneath you, dealing 6351 Physical Damage to all enemies within 6 meters of you. You then pull back on the magma to heal yourself or up to 2 allies near the enemy for Health. ![]() Slam an enemy with molten rock, dealing 1229 Flame Damage and causing the rock to explode, splashing magma around. Obsidian Shard: Casting Time: Instant, Cost: 4050 Magicka, Area: 28 meters, Target: Enemy. The final cast stuns enemies hit for 2.5 seconds. Activating the ability again allows you to launch part of the debris at an enemy, dealing Physical Damage, up to 3 times. Damage listed in the infobox is base damage of a CP 160 with zero CP spent, zero Attribute Points used and zero Skills taken at Rank IV.Stonefist: Crush the earth beneath you, dealing Physical Damage to all enemies within 6 meters of you.Major Sorcery, Minor Sorcery, Minor Berserk, Major Berserk, Minor Force and Major Force will all increase the damage dealt with this Skill. ![]()
![]() All habits, it turns out, consist of three parts: a routine, a reward and a cue. When an individual successfully quits smoking or an organization changes collective behavior to improve its safety standards, there are certain universal patterns at work.ĭuring their extensive studies of the underpinnings of habit in the 1990s, researchers at the Massachusetts Institute of Technology discovered a simple neurological loop at the core of every habit. ![]() But the real obstacle to change for most people is not a lack of determination - it’s a lack of understanding how habit works.Īs it happens, habits all get modified in somewhat the same way. And good habits we’ve tried to acquire and dropped. Sure, we all have habits we’ve tried to break and failed. A high school dropout can become a successful executive.Ĭhanging habits is not just a matter of willpower, despite what you’ve probably learned. The most dysfunctional families can transform themselves. The most addicted alcoholic can become sober. But every habit, no matter its complexity, is malleable. Some are simple and others are complex, drawing upon emotional triggers and offering subtle neurochemical prizes. They affect what we eat, how we do business, and whether we exercise or have a beer after work.Įach of our habits has a different catalyst and offers a unique payoff. They guide how we get dressed in the morning and fall asleep at night. “There are these two young fish swimming along and they happen to meet an older fish swimming the other way, who nods at them and says, ‘Morning boys, how’s the water?’ The two young fish swim on for a bit, and then eventually one of them looks over at the other and goes, ‘What the hell is water?’”įoster Wallace was reminding the students that, just like those fish, our lives are largely determined by factors we never fully notice: our habits, those unthinking, automatic choices that surround us each day. In 2005, the late writer David Foster Wallace shared the following cautionary tale with a group of graduating college students: We can help our patients do better by encouraging them to tell someone in their inner circle.This article was adapted from Duhigg’s New York Times bestseller, The Power of Habit: Why We Do What We Do in Life and Business. “You are 75% more likely to achieve your goal if you tell someone” What is your goal for your patient? What are their goals? At the end of the visit we can help them reframe their goal to make it more attainable. ![]() When looking to set a goal or make a change start with a keystone habit. If you had dinner as a family regularly your finances would improve, your kids would get better grades in school and the overall mental health of your family would measurably improve. A keystone habit was a habit that when executed would have positive effects in other areas of your life.Ī keystone habit helps other habits get better!įor example, if you started exercising regularly your eating habits would also change. The take away or BIG IDEA that I got from reading this book was the idea of a keystone habit. Charles Duhigg has written about habit from the eyes of different experts and researchers. ![]() If your business allows people to pay 30 days after invoice, this creates a delay in the cash flow. You can use a cash flow forecast to help you manage the business. ![]() ![]() Your cash flow projection is a simple way to predict how much your business will have in the bank at any moment in time. This cycle of cash flowing in and out is repeated across your business as money from sales flows in and all the costs of your business flow out. It’s about receiving and spending cash, via cards, bank transfers, cash payments and any other method that results in a movement of money.įor example, if your business borrows £20,000 as a loan from the bank, cash flows into your business when the bank transfers the cash to you.Īs you spend money and make repayments to the loan over the following months, that cash flows out of your business. The easy way to think about cash flow is that it’s only about moving money in and out of your business. It’s easy to get confused by accountant-speak, that special language that some accountants seem to talk. Often people get confused and want to increase profit when their focus needs to be on cash flow. What Is Cash Flow Forecasting?Ĭash flow is the movement of money in and out of your business. This article will help you take control, accurately predict cash flow, and sleep better at night. In practice, most business owners suffer a lot of sleepless nights because they don’t use cash flow forecasting to help them plan and manage the money in their business. Make sure people pay you on time and in full. It’s easy to take cashflow for granted, right until you’ve got no money left. ![]() Probably not the most pinterest-grabbing button, but I sure had fun with it. Well, hope you enjoy my Thanksgiving Dinner Favorites! And whaddya think about my turkey art? lol. Carrot Cake I’ve been on a carrot cake kick lately and can’t seem to get enough of it. Don’t make this much anymore because of my girls’ nut allergies, but oh do we long for this pecan pie.ġ3. It’s tried, it’s true, it’s simple and delicious and will always be a part of our Thanksgiving dinner.ġ1. Pumpkin Pie – Another one, right off the can. ![]() Not only is it tasty, it’s gorgeous, too!ġ0. Spiced Apple Cider – Made in a slow cooker, I’m so excited to add this drink option to my Thanksgiving this year. Oie Muchim (Cucumber Kimchee) – Pickled cucumbers are a delicious side to any Korean meal and offer a wonderful crunch and kick to the meal. Korean Bulgogi – Korean Beef BBQ offers a meat variety to the traditional turkey and the leftovers (if there are any) are a great excuse to make some bibimbap the next day!Ĩ. Even the kids love it, so I have to include it here.ħ. I try to use organic mushroom soup and green beans and usually double or even triple the recipe for dinner of 12-20 and it’s almost always the first to go. Green Bean Casserole – It’s right off the can of French’s Fried Onions, but it’s SOOOO good. Mom’s Turkey Stuffing– Bake it in the turkey or out, but either way, it’s a staple with turkey!Ħ. Doesn’t look like much in the pic, but it has become one of my favorite sides.ĥ. Corn Casserole – My sister-in-law Lisa brought this to a Thanksgiving dinner we hosted a few years back and it was absolutely DELICIOUS and so incredibly easy to make. Cauliflower Cheese Casserole – This one has been very popular on Pinterest lately and I can see why – bacon and cheese make anything delicious! My kids actually like this so be sure to give it a try!Ĥ. Never even thought of making my own, but once I tried this one, there was no going back.ģ. One Thanksgiving, I ran across this recipe and I was intrigued. We used to crack up when my brother ever so carefully removed it in one piece from the can and served it whole on a plate. Cranberry Sauce Extraordinaire – Growing up, my family and I loved Ocean Spray’s cranberry sauce from a can and it was always a must a Thanksgiving dinner. The corn flake topping is icing on the cake.Ģ. Neither of us are into the kind with marshmallows, but we LOVE sweet potatoes! This one is sweet but not toooo sweet. Sweet Potato Casserole – This is one from one of the first Thanksgiving my hubby and I ever hosted. And I will try to update it with better pictures, IF I can ever capture them! Until then, have a Happy Thanksgiving and enjoy your time w/ family, friends and lots of food! And hope you are able to enjoy some of these Thanksgiving Dinner Favorites!ġ. ![]() This post is a work-in-progress and my collection of all foods Thanksgiving. Lastly, this is NOT a complete dinner, ie, no turkey or gravy recipe! But I added what I could, including Mom’s Stuffing. The cranberry sauce can even be made a month ahead and frozen until the day before. The ones that require a little more work, like the cranberry sauce and the apple pie, can be made a day or two ahead in advance and refrigerated until turkey day. Most of these recipes are pretty simple and don’t require too much work (minus all the chopping you need to do for the cranberry sauce – but it’s SO worth it I tell ya!). But don’t let my crappy pictures stop you from trying some of these yourself! People often ask me for the recipes, so now I can just send them one link! And please excuse the not-so-great pictures, but it’s hard to take decent ones when everyone’s ready to dig in, not to mention the lack of natural lighting by dinner time! lol. With that, here are some of my all-time Thanksgiving Dinner Favorites dishes that have been made in my kitchen for the past many, many years.
Jobs left the company in 1985 and Macintosh computers began to look like the Windows machines on the shelves. Like many of the computers in Apple's current line, its CPU and monitor were housed in a single unit, reducing the number of cables necessary for operation and creating a sleeker profile. This unconventional focus on design began with the very first Macintosh, introduced in 1984. The unique designs that resulted from this obsession have given Mac products the "hip" image that they enjoy today. For the better part of three decades, the former Apple CEO, the late Steve Jobs, focused on the outward appearance of his company's products with an enthusiasm unmatched by his competitors. But design has become a big differentiator between Macs and PCs. If you grew up in the 1980s, you remember that all computers, regardless of manufacturer, were uninspiring, more or less rectangular putty-colored boxes. While the term PC stands for personal computer and could apply to Macs, Windows machines and computers running other operating systems alike, we're using it in the common vernacular as shorthand for a Windows machine. In this article, we're comparing Apple computers running Mac OS X - no hackintoshes to be found here - and computers running the Windows operating system. These days the two are similar enough that it often comes down to the kind of computer you prefer - or can afford.īefore we get started, we need to establish some definitions. ![]() Although the hottest days in the flame wars between the two platforms seem to have passed, both platforms have dyed-in-the-wool supporters. The conflict between Apple supporters and Windows fans raged on college campuses, social networks and internet message boards. It used to be that if you were to wade into the middle of any large technology conference and shout out "Macs are whack" or "Apple rules, Microsoft stinks," you could start a riot. ![]() Are you team Mac or team PC? Future Publishing/Getty Images ![]() Dredge each of the pork chops in the flour mixture, gently shaking to remove any excess.
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