![High ratings, high praises. “For a writing app with a simpler interface […] check out iA Writer, which has little on-screen clutter like buttons and controls. The app borrows the look and feel of its writing interface from a traditional typewriter, including the font you type in. The app’s cleverest feature is its “focus mode,” which .... Sope 2 day](/img/512x512/5731388926.webp)
iA American’s history dates back to 1984 with the founding of Innovative Aftermarket Systems (IAS). In 2018, iA Financial Group of Canada expanded its presence in the United States by purchasing SouthwestRe and Dealers Assurance Company (DAC), joined by IAS in 2020. Together, these proud companies are now iA American. Learn More.Individuals with a D-factor personality also often have traits that can make them feel like a bad person. Traits that research has associated with this personality type include narcissism, spitefulness, egoism, psychopathy, and sadism. People with high levels of D-factor personality traits tend to have a disregard for the well-being of others.iA Financial Group is one of the largest insurance and wealth management groups in Canada, with operations in the United States. Founded in 1892, it is an important Canadian public company and is listed on the Toronto Stock Exchange under the ticker symbols IAG (common shares) and IAF (preferred shares). Our new company structure gives us more ...Free feature is web-only with many important features hobbled. SketchUp was originally developed by Google and was one of the greatest free CAD packages ever put on the market. In 2012, Google sold the product to Trimble. Trimble has enhanced it and developed it further and now offers a slew of related products.Disclaimer. All content on this website, including dictionary, thesaurus, literature, geography, and other reference data is for informational purposes only.AIA provides insurance solutions to both individuals and businesses. Find out more about our services and latest updates. Please follow the following steps to dissociate yourself from an employer as a Staff User: Step 1: Login to I&A and click on My Profile Tab. Scroll to bottom of page and click the + sign next to the employer name (Status must be Approved). Scroll down and click on the button that says Disassociate From Employer. Elizabeth I (born September 7, 1533, Greenwich, near London, England—died March 24, 1603, Richmond, Surrey) was the queen of England (1558–1603) during a period, often called the Elizabethan Age, when England asserted itself vigorously as a major European power in politics, commerce, and the arts. Although her small kingdom was …Stack Exchange network consists of 183 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers.. Visit Stack ExchangeFive letter words containing I that end in A could be the Wordle help you need to solve today's puzzle. This 5 letter words list is also fantastic for landing big scoring plays in Words With Friends®, Scrabble® GO and other word games too. Get *I*A words to win in your chosen game. 140 Words With Friends® words. Points. Buy Now: USD 4,200. Automatic. 54,768 mi () Collision. Key Available. Buy used, repairable & salvage vehicles by auction 24/7 worldwide. IAA online auto auctions include cars, trucks, motorcycles & much more. Register free! Paper Planes Lyrics. [Verse 1] I fly like paper, get high like planes. If you catch me at the border, I got visas in my name. If you come around here, I make 'em all day. I get one done in a ...Dec 8, 2023 · Dec. 8, 2023. Just before Thanksgiving, a Silicon Valley giant appeared to implode before our eyes. A boardroom coup at OpenAI, the world’s hottest artificial intelligence company, pushed out ... I-864A, Contract Between Sponsor and Household Member. Use this form if you are a household member and want to promise to make your income and/or assets available to help support a sponsored immigrant.Full versiO-oooooooooon!!Subscribe! :)O-oooooooooo AAAAE-A-A-I-A-U- JO-oooooooooooo AAE-O-A-A-U-U-A- E-eee-ee-eee AAAAE-A-E-I-E-A- JO-ooo-oo-oo-oo EEEEO-A-AA...Die Abkürzung "i.A.", also im Auftrag, vor Ihrem Namenszug bedeutet, dass Sie im Auftrag einer anderen Person unterschreiben. Sie sind insoweit bevollmächtigt, ohne dass Sie zugleich für den Inhalt des Briefes die Verantwortung tragen. Diese Art von Bevollmächtigung gilt für eine einmalige Beauftragung. Sie wird regelmäßig nicht ...The Spanish acute accent* (á, é, í, ó, ú) serves two purposes: 1. Word stress. The acute accent indicates that the normal rules of word stress are being overridden. Here are the normal rules with examples of words that follow them as well as words that need accents because they break the rules. Words that end in a consonant other than N ...Dec. 8, 2023. Just before Thanksgiving, a Silicon Valley giant appeared to implode before our eyes. A boardroom coup at OpenAI, the world’s hottest artificial intelligence company, pushed out ...Summarize This Article artificial intelligence (AI), the ability of a digital computer or computer-controlled robot to perform tasks commonly associated with intelligent beings. The term is frequently applied to the project of developing systems endowed with the intellectual processes characteristic of humans, such as the ability to reason, discover …Sep 29, 2012 · Presiona la tecla “option” + e + la vocal que quieres acentuar = á, é, í, ó, ú. Para escribir la “ñ”: Presiona la tecla “option” + “n”, la sueltas y vuelves a presionar “n”= ñ. Si quieres escribirla en mayúscula, solo presiona la tecla Shift + la «n» = Ñ. Para escribir signos de interrogación al inicio de la ... A, or a, is the first letter and the first vowel letter of the Latin alphabet, used in the modern English alphabet, and others worldwide.Its name in English is a (pronounced / ˈ eɪ / AY), plural aes.. It is similar in shape to the Ancient Greek letter alpha, from which it derives. The uppercase version consists of the two slanting sides of a triangle, crossed in the middle …Your key questions answered. A TikTok content creator, sits outside the U.S. Capitol, Tuesday, April 23, 2024, in Washington as Senators prepare to consider …Next we can simplify 18 using what we already know about simplifying radicals. The work is shown below. − 18 = i 18 For a > 0 , − a = i a = i ⋅ 9 ⋅ 2 9 is a perfect square factor of 18 = i 9 ⋅ 2 a b = a ⋅ b when a, b ≥ 0 = i ⋅ 3 ⋅ 2 9 = 3 = 3 i 2 Multiplication is commutative. So it follows that − 18 = 3 i 2 .Subscribe https://www.youtube.com/c/JimCroce?sub_confirmation=1 & enable 🔔 2023 marks 80 years of Jim Croce, one of the finest singer/songwriters of our tim..."Paper Planes" is a song by British hip hop artist M.I.A. It was released on 11 February 2008 as the third single from her second studio album, Kala (2007). It is produced and co-written by her and Diplo.It appeared in the 2008 film Slumdog Millionaire and on its soundtrack album.The song samples English rock band the Clash's 1982 song "Straight to Hell", …New Delhi: The I.N.D.I.A. bloc which held its second major public meeting in Ranchi on Sunday may have shied away from announcing a common programme so far, …About This Test. The Type A and Type B personality dichotomy was introduced by the cardiologists cardiologists Meyer Friedman and Ray Rosenman in the 1950s and has since become a household way of thinking about ourselves. They originally asserted that Type A personality traits were associated with higher levels of stress and … I, i definition: 1. the ninth letter of the English alphabet 2. the sign used in the Roman system for the number 1…. Learn more. Artificial Intelligence Solutions | Microsoft AI. Learn more. You dream it. AI helps build it. Watch video. Copilot for Security is here. Learn more. Transform modern finance. Learn …Check traffic at Woodlands and Tuas checkpoints. ICA is responsible for the security of Singapore's borders against the entry of undesirable persons, cargo and conveyances through our land, air and sea checkpoints.About us. The International Air Transport Association (IATA) is the trade association for the world’s airlines, representing some 320 airlines or 83% of total air traffic. We support many areas of aviation activity and help formulate industry policy on critical aviation issues. IATA The Business of Freedom. Watch on.Google's mission has always been to organize the world's information and make it universally accessible and useful. We're excited about the transformational power of AI and the helpful new ways it can be applied. From research that expands what's possible, to product integrations designed to make everyday things easier, and applying AI to make ... Renewal Specialist - Group Insurance (Western Canada) Apply now. Find a job. iA Financial Group offers financial services tailored to the needs of individuals and businesses: insurance, savings, retirement and loans. Quality aftermarket replacement parts, helpful customer service, top-notch technical staff, and next-day parts delivery makes getting the parts you need affordable, quick, and easy. Next time you need replacement agricultural, lawn & …Getting sober young in A.A.: a member tells how Alcoholics Anonymous helped her to quit drinking at 17 and to find a community of sober friends at young people’s meetings. If you think you’re drinking too much, A.A. can help you, too. …An imaginary number is a real number multiplied by the imaginary unit i, which is defined by its property i 2 = −1. The square of an imaginary number bi is −b 2.For example, 5i is an imaginary number, and its square is −25.The number zero is considered to be both real and imaginary.. Originally coined in the 17th century by René Descartes as a derogatory …About CIA. Our mission is straightforward but critical: leverage the power of information to keep our Nation safe. The CIA seal features several symbols: an eagle for alertness, a shield for defense, and a compass rose for global intelligence collection. We are the Nation’s first line of defense. We accomplish what others cannot accomplish ...About us. The International Air Transport Association (IATA) is the trade association for the world’s airlines, representing some 320 airlines or 83% of total air traffic. We support many areas of aviation activity and help formulate industry policy on critical aviation issues. IATA The Business of Freedom. Watch on.The International Trade Administration, U.S. Department of Commerce, manages this global trade site to provide access to ITA information on promoting trade and investment, strengthening the competitiveness of U.S. industry, and ensuring fair trade and compliance with trade laws and agreements. External links to other Internet sites should not be …Sojourner Truth was an African American women's rights activist. Read her famous speech, Ain't I a Woman, which she delivered without preparation in 1851.Travis Kelce is a fan of Hallmark's brand of feel-good films! On the latest episode of the New Heights podcast he co-hosts with brother Jason Kelce, the Kansas …Girl Watcher. " Girl Watcher " is a song written by Ronald B. Killette and Wayne Pittman and performed by The O'Kaysions. It was produced by North State Music. [1] The single was first released in March 1968 on North State Records, but it did not become a hit until re-released in June 1968 on ABC Records. [2] English Translation of “I. A.” | The official Collins German-English Dictionary online. Over 100,000 English translations of German words and phrases. noun. uk us. Add to word list. INSURANCE. abbreviation for Institute of Actuaries. [ C ] IT, MANAGEMENT. abbreviation for information audit. (Definition of IA from the Cambridge …Disclaimer. All content on this website, including dictionary, thesaurus, literature, geography, and other reference data is for informational purposes only.By substituting A′ = A − I A ′ = A − I, you are basically asking for the inverse of all matrices. And of course, it might well be that A A is invertible, while I + A I + A is not. equal row sum won't help either. Consider the 2x2 matrix obtained from I by interchanging its rows.#1. Hello everyone, I was wondering whether it would be correct to use the abbreviation i.a., standing for Latin inter alia (=among other things), in an English formal …Welcome to AZLyrics! It's a place where all searches end! We have a large, legal, every day growing universe of lyrics where stars of all genres and ages shine.AIA provides insurance solutions to both individuals and businesses. Find out more about our services and latest updates.A transient ischemic attack, or TIA, is a temporary blockage of blood flow to the brain. The clot usually dissolves on its own or gets dislodged, and the symptoms usually last less than five minutes. While a TIA doesn’t cause permanent damage, it’s a “warning stroke” signaling a possible full-blown stroke ahead.AIA provides insurance solutions to both individuals and businesses. Find out more about our services and latest updates.Our continuously evolving features empower you to express yourself in new ways. Create, share, and watch short, entertaining videos on Instagram. Check out Stories and live videos from your favorite people. Send messages, photos and …High ratings, high praises. “For a writing app with a simpler interface […] check out iA Writer, which has little on-screen clutter like buttons and controls. The app borrows the look and feel of its writing interface from a traditional typewriter, including the font you type in. The app’s cleverest feature is its “focus mode,” which ...delo.ua "Нафтогаз України" зробив заяву щодо тарифів для населення Компанія НАК "Нафтогаз" дала остаточну відповідь і розвінчала чутки про можливу зміну вартості блакитного палива для українських домогосподарств.Individuals with a D-factor personality also often have traits that can make them feel like a bad person. Traits that research has associated with this personality type include narcissism, spitefulness, egoism, psychopathy, and sadism. People with high levels of D-factor personality traits tend to have a disregard for the well-being of others.Transcript. Ex 3.2, 18 If A = [ 8 (0&−tan 𝛼/2 " " @tan 𝛼/2 " " &0)] and I is the identity matrix of order 2, Show that I + A = ( I – A) [ 8 (cos𝛼&−sin𝛼@sin𝛼&cos𝛼 )] Given I the …Quality aftermarket replacement parts, helpful customer service, top-notch technical staff, and next-day parts delivery makes getting the parts you need affordable, quick, and easy. Next time you need replacement agricultural, lawn & … Una guía sobre inteligencia artificial, chatbots, generadores de imagen, aprendizaje profundo y más. Explicamos cómo se entrena a la IA, lo que los diferentes modelos de IA pueden hacer y cómo ... An Indefinite Article Guide. The rule for choosing whether a or an should be used is usually remembered as depending upon whether the following word begins with a consonant (for using a) or a vowel (for using an ). This is incomplete, however: these indefinite articles are used according to the sound that starts the following word, not the letter. After successfully creating your I&A account, return to NPPES and use your I&A User ID and Password to log in. This is where you can create and maintain NPI data that you are associated with. CREATE or MANAGE AN ACCOUNT. To learn more about Multi-Factor Authentication (MFA) click here. To learn more about how to apply for an … i.ua - ппопулярний украінський портал Пошта Погода ⛅ Фінанси Радіо Новини How AI Works. This series of short videos will introduce you to how artificial intelligence works and why it matters. Then delve into issues like algorithmic bias and the ethics of AI decision-making. Watch the video series below, or check out our How AI Works lessons! Una guía sobre inteligencia artificial, chatbots, generadores de imagen, aprendizaje profundo y más. Explicamos cómo se entrena a la IA, lo que los diferentes modelos de IA pueden hacer y cómo ... Hardware: Computer hardware refers to the physical parts of a computer and related devices. Internal hardware devices include motherboards , hard drives , and RAM . External hardware devices include monitors , …An imaginary number is a real number multiplied by the imaginary unit i, which is defined by its property i 2 = −1. The square of an imaginary number bi is −b 2.For example, 5i is an imaginary number, and its square is −25.The number zero is considered to be both real and imaginary.. Originally coined in the 17th century by René Descartes as a derogatory …Release Date: June 29, 2001It's the mid-21st century and man has developed a new type of computer that is aware of its own existence. This computer has been ...Definition and Usage. The <i> tag defines a part of text in an alternate voice or mood. The content inside is typically displayed in italic. The <i> tag is often used to indicate a technical term, a phrase from another language, a thought, a ship name, etc. Use the <i> element only when there is not a more appropriate semantic element, such as:noun. uk us. Add to word list. INSURANCE. abbreviation for Institute of Actuaries. [ C ] IT, MANAGEMENT. abbreviation for information audit. (Definition of IA from the Cambridge …centers for medicare & medicaid services, 7500 security boulevard, baltimore, md 21244Individuals with a D-factor personality also often have traits that can make them feel like a bad person. Traits that research has associated with this personality type include narcissism, spitefulness, egoism, psychopathy, and sadism. People with high levels of D-factor personality traits tend to have a disregard for the well-being of others.Apr 3, 2024 · I-864A, Contract Between Sponsor and Household Member. Use this form if you are a household member and want to promise to make your income and/or assets available to help support a sponsored immigrant. Nonshiftingtherian: A therian who does not experience shifts under any condition, but still identifies as non-human through other means. Contherian: A kind of nonshifting therian that has similar experiences as other therians but who do not shift- rather, they are constantly shifted into an animal state, with no variation. Suntherian: By substituting A′ = A − I A ′ = A − I, you are basically asking for the inverse of all matrices. And of course, it might well be that A A is invertible, while I + A I + A is not. equal row sum won't help either. Consider the 2x2 matrix obtained from I by interchanging its rows. Please follow the following steps to dissociate yourself from an employer as a Staff User: Step 1: Login to I&A and click on My Profile Tab. Scroll to bottom of page and click the + sign next to the employer name (Status must be Approved). Scroll down and click on the button that says Disassociate From Employer. I, i definition: 1. the ninth letter of the English alphabet 2. the sign used in the Roman system for the number 1…. Learn more. By substituting A′ = A − I A ′ = A − I, you are basically asking for the inverse of all matrices. And of course, it might well be that A A is invertible, while I + A I + A is not. equal row sum won't help either. Consider the 2x2 matrix obtained from I by interchanging its rows. Feb 15, 2024 · Definición de Inteligencia Artificial. La Inteligencia Artificial (IA), en su sentido puramente informático, se refiere a la disciplina que engloba teorías y técnicas prácticas para el desarrollo de algoritmos que permiten a las máquinas, especialmente a las computadoras, mostrar comportamientos inteligentes en dominios y áreas de ... UK Supreme Court confirms anti-suit injunction directed at Russian proceedings instituted by RusChemAlliance against UniCredit. Colombia is held liable for treaty breach in second arbitration dispute with Glencore, but damages awarded are lower than claimed. LCIA arbitrator enforces sovereign guarantee by Pakistan in relation to hydro project. I, i definition: 1. the ninth letter of the English alphabet 2. the sign used in the Roman system for the number 1…. Learn more. The imaginary unit i in the complex plane: Real numbers are conventionally drawn on the horizontal axis, and imaginary numbers on the vertical axis.. The imaginary unit or unit imaginary number (i) is a solution to the quadratic equation x 2 + 1 = 0. Although there is no real number with this property, i can be used to extend the real numbers to what are …Next we can simplify 18 using what we already know about simplifying radicals. The work is shown below. − 18 = i 18 For a > 0 , − a = i a = i ⋅ 9 ⋅ 2 9 is a perfect square factor of 18 = i 9 ⋅ 2 a b = a ⋅ b when a, b ≥ 0 = i ⋅ 3 ⋅ 2 9 = 3 = 3 i 2 Multiplication is commutative. So it follows that − 18 = 3 i 2 .A comprehensive list of 5 letter words containing I_A can help you find top scoring words in Scrabble® and Words With Friends® too. Check the definitions and save your favorite words! For more options, check out 5 letter words that start with I_A and 5 letter words that end in I_A. 129 Words With Friends® words. Points.Find answers to your questions about Instagram features, policies, and best practices. Learn how to use Instagram for personal or professional purposes. Í, í ( i - acute) is a letter in the Faroese, Hungarian, Icelandic, Karakalpak, Czech, and Slovak languages, where it often indicates a long /i/ vowel ( ee in English word feel ). This form also appears in Catalan, Irish, Italian, Occitan, Portuguese, Spanish, Aragonese, Galician, Leonese, Navajo, and Vietnamese language as a variant of the ... In linear algebra, the identity matrix of size is the square matrix with ones on the main diagonal and zeros elsewhere. It has unique properties, for example when the identity matrix represents a geometric transformation, the object remains unchanged by the transformation. In other contexts, it is analogous to multiplying by the number 1.noun. uk us. Add to word list. INSURANCE. abbreviation for Institute of Actuaries. [ C ] IT, MANAGEMENT. abbreviation for information audit. (Definition of IA from the Cambridge …Datuk Nicol David Embraces Multiple Roles in AIA Malaysia's "Subscribe to a Better Life" Campaign. Visit AIA Malaysia for reliable life insurance and protection products for both individuals supporting family, and businesses supporting staff.Artificial intelligence, or AI, is technology that enables computers and machines to simulate human intelligence and problem-solving capabilities. On its own or combined with other technologies (e.g., sensors, geolocation, robotics) AI can perform tasks that would otherwise require human intelligence or intervention.That this declaration is made by me to assure the U.S. Government that I will be able to financially support myself while in the United States. That I am willing and able to pay for necessary expenses for the duration of my temporary stay in the United States. Form I-134A Edition 07/11/23. Page 11 of 14.The titrant should be placed in a burette that is the correct size for the volume of titrant that will be needed. Clamp the burette to a stand. Open the stopcock and slowly add the titrant to the analyte. Add the titrant until the indicator changes color. Record the volume of titrant that was added.What does the noun I.A. mean? There is one meaning in OED's entry for the noun I.A.. See ‘Meaning & use’ for definition, usage, and quotation evidence. See meaning & use. How …Artificial intelligence ( AI ), in its broadest sense, is intelligence exhibited by machines, particularly computer systems.
Artificial Intelligence Solutions | Microsoft AI. Learn more. You dream it. AI helps build it. Watch video. Copilot for Security is here. Learn more. Transform modern finance. Learn …. Connectlife
Create an account or log in to Instagram - A simple, fun & creative way to capture, edit & share photos, videos & messages with friends & family.Press and hold the top button. For iPad models with Home button: Press and hold both the Home and the top (or side) buttons at the same time. Keep holding the button until you see the recovery mode screen on your iPad, then let go. If you see the passcode screen, you need to turn off your iPad and start again.Feb 15, 2024 · Definición de Inteligencia Artificial. La Inteligencia Artificial (IA), en su sentido puramente informático, se refiere a la disciplina que engloba teorías y técnicas prácticas para el desarrollo de algoritmos que permiten a las máquinas, especialmente a las computadoras, mostrar comportamientos inteligentes en dominios y áreas de ... In linear algebra, the identity matrix of size is the square matrix with ones on the main diagonal and zeros elsewhere. It has unique properties, for example when the identity matrix represents a geometric transformation, the object remains unchanged by the transformation. In other contexts, it is analogous to multiplying by the number 1.Check traffic at Woodlands and Tuas checkpoints. ICA is responsible for the security of Singapore's borders against the entry of undesirable persons, cargo and conveyances through our land, air and sea checkpoints.Definition of IA abbreviation in Oxford Advanced Learner's Dictionary. Meaning, pronunciation, picture, example sentences, grammar, usage notes, synonyms and more.The abbreviation i.A. means that the person does not have Handlungsvollmacht or any other form of Vertretungsmacht (= power of attorney) but merely acts on order. If the signing person acts out of Handlungsvollmacht, the appropriate abbreviation is i.V. = in Vertretung. Last edited: Jan 21, 2014.CNN —. Oscar-winning actress Anne Hathaway has said that she had to kiss a series of actors during the audition process in the 2000s to “test for chemistry” on …#1. Hello everyone, I was wondering whether it would be correct to use the abbreviation i.a., standing for Latin inter alia (=among other things), in an English formal …-ia: [plural noun suffix] higher taxon (such as class or order) consisting of (such plants or animals).centers for medicare & medicaid services, 7500 security boulevard, baltimore, md 21244Ivor Armstrong Richards CH (26 February 1893 – 7 September 1979), known as I. A. Richards, was an English educator, literary critic, poet, and rhetorician.His work contributed to the foundations of New Criticism, a formalist movement in literary theory which emphasized the close reading of a literary text, especially poetry, in an effort to discover …Apr 16, 2024 · Ex 3.2, 18 If A =[ 8(0&−tan 𝛼/2 " " @tan 𝛼/2 " " &0)] and I is the identity matrix of order 2, Show that I + A = ( I – A)[ 8(cos𝛼&−sin𝛼@sin𝛼&cos𝛼 )] Given I the identity matrix of order 2 i.e. I = [ 8(1&0@0&1)] Solving L.H.S. I + A = [ 8(1&0@0&1)] + [ 8(0&−tan 𝛼/2 " " @tan 𝛼/2 " " & Why is a [i] == i [a] in C/C++ arrays? The definition of [] subscript operator operator in C, according to (C99, 6.5.2.1p2), is that. E1[E2] is identical to (*((E1)+(E2))) Compilers use pointer arithmetic internally to access array elements. And because of the conversion rules that apply to the binary + operator, if E1 is an array object ...Entrepreneurship CAPE SBA Unit 1. Nov 2, 2016 • Download as DOCX, PDF •. 55 likes • 124,319 views. D. Drushana Young. This I.A was an investigation into a manufacturing company HEXAGON CHEMICALS in South Trinidad. This I.A should be able to help student who are now going into this subject for Advanced levels (CAPE) because …♫ Travis Scott - I KNOW ?Stream/Download: https://TravisScott.lnk.to/UTOPIA • Travis Scott • • https://twitter.com/trvisXX • https://www.instagram.com/travi... I, i definition: 1. the ninth letter of the English alphabet 2. the sign used in the Roman system for the number 1…. Learn more. That this declaration is made by me to assure the U.S. Government that I will be able to financially support myself while in the United States. That I am willing and able to pay for necessary expenses for the duration of my temporary stay in the United States. Form I-134A Edition 07/11/23. Page 11 of 14. The Insurance Authority (“IA”) is an insurance regulator independent of the Government and the insurance industry. The principal function of the IA is to regulate and supervise the insurance industry for the promotion of the general stability of the insurance industry and for the protection of existing and potential policy holders. Renewal Specialist - Group Insurance (Western Canada) Apply now. Find a job. iA Financial Group offers financial services tailored to the needs of individuals and businesses: insurance, savings, retirement and loans. .