All right. Good evening, everyone. Thanks for coming. I'd like to be a good steward of everybody's time. For those that are here on time, the rest can catch up. My name is Kristi Drenner. I'm the director of Connectional Resources, Treasurer and Chief Benefits Officer for the conference. And I am joined by the amazing Tracy Everson, who is really the brains behind this operation of property insurance that we do. So she will be here monitoring the chat. Make sure that you do have the chat box open. She'll be putting important information in there. All of our resources are available on our website about property insurance. But if you have questions as we go through the presentation, make sure to drop them. I'll stop at different times to answer questions. We are very glad that you came tonight. As I always say, as I start almost every Zoom call, there are more exciting things to do in ministry, but this work is so vitally important. So I'm going to go ahead and open us with a word of prayer if you would join me. Dear God, we are grateful for this day for all the many blessings that you give to us, both seen and unseen. I'm grateful for these faithful stewards of their churches that have come to learn more about the changes to the insurance program and how they can best prepare their location for continued ministry in this world. We know that the work that you call us to do is not easy, but also important. We ask that our conversations would glow with your peace and that you would help us have open hearts and minds to learn and hear what we need to this evening. It's in your son's holy name. We pray. Amen. Alright, I just want to start by saying that property insurance is complicated. And there's going to be a lot of information given to you tonight. I don't expect you to ingest it all the first time. Certainly it's been a learning curve for me, but we will have recordings of this call that will be automatic. They will be available on our website and we are going to have a follow up call that we'll give the date to later in the presentation. You'll get a copy of the slides, which is the million dollar question in zoom land right when can I get a copy of the slides still have those. And so our goal is best we can to answer any questions that you might have as you work through this process. I'm going to share my screen. Tracy, do you want to mute everybody. All right. So let's see. I get oops, let me get this going. Can you see the PowerPoint slide Tracy. Yes. Okay. Let me get my slide deck up. Okay, perfect. All right, so let's see. So this is a review of the insurance program I've already introduced myself. Our agenda for this evening I think it's always kind of helpful to know where we're going. So we're going to talk about a review of the changes that were made to the program. And key dates that you need to know how to prepare to get a quote, how to find an agent, what to expect from the quote, understanding deductibles frequently asked questions and then we'll save time at the end for any questions that you might have. Hopefully you will receive the letter in December, itemizing the changes to the insurance program. I started January 1 of 2021, six weeks, six weeks later, we had the winter storm. And then April 1 2021 was our first renewal so since that time, well even before then, but we've been working diligently to try with different insurance professionals and our insurance advisory team. To maintain a comprehensive sustainable insurance program. Unfortunately, it's just not feasible anymore. You all have experienced the rising deductibles premiums. We are experiencing extremely hard insurance market everyone across the United States is because of the catastrophic losses that we've seen over the last several years but certainly our loss experience and the North Texas conference it makes it more challenging to find a group a group plan that works for everybody. I jokingly say that you don't want to invite me to your outdoor wedding anymore since I've started we've had two major freezes and a once in a thousand year flood and both of the last two have taken place in this in this last year so you know, whether happens and you know we try to do the best that we can with it. So the changes that were itemized in the letter and a copy of that letter is on our website is that we will no longer have a mandatory comprehensive program as of 331 23. The workers compensation piece will still remain a mandatory piece of the program. Local churches will really struggle to get adequate coverage and at the low rates that we're able to provide them so we felt like this was an important piece of exposure to the local church that we could help them manage and staying in a comprehensive program. Some people have asked me what what does that cost look like you know if you have your most recent bill the workers compensation is itemized on that you know it's probably the one of the smallest line items unless you have auto on your on your invoice each quarter. So the estimates of what that will look like for the rest of the year there might be a slight increase in that policy but overall we have extremely low losses on that and a really strong provider that has given us great premium discount so workers comp will remain. As we mentioned you'll be billed probably in the first of March will be able to estimate what the bills will be for the following quarters. Some have asked us if there's an option to stay on the conference insurance plan. There is not we will be moving to everyone having their own plan come 331 2023 and I have to say we spent a lot of time trying to figure out what was the best next step for the annual conference I know that the timing of dropping this information in December right before Christmas was certainly by no means ideal. As I mentioned we worked with several different providers to try to see if there was a way to keep the plan together. Our hope was that we could create something where each individual church had their own policy could decide their deductible structure could decide. You know how much they wanted in different varying levels of coverage but we just weren't able to make that happen in a captive plan. Unfortunately the way our system is set up our renewal date is for one and we get estimates in December of what the premiums will cost and but we knew that in December when we got the information back that we weren't going to be able to create kind of this individual plan that we had to make the choice now to make these changes so I apologize for the timing but we did it as soon as feasibly possible while giving you enough time to make a decision for who you will go with on 401. Some key dates for you to know our office is trying to do everything we can to equip the local churches to make this change we know that most of us are not insurance experts are even dabble in it and so we have we'll discuss later about three potential providers that you can use you don't have to use them but we've had extensive conversations with each of them they understand who we are they understand who you are. And we have provided those names to you in this partnership we have given them the contact information from the local churches. So you should have received something from one of them at least asking if they can give you a quote. By January 25 we have asked those providers to get back with us to let us know if a church has reached out to them, and then we are keeping track of which churches are reaching out to us to ask questions about loss runs or other various things that we'll talk about in a minute. By January 25 we're going to collect all that data and say okay I'll out of all of our churches, we see no activity happening at these handful of churches so we will reach out to your church if you haven't taken any steps yet that we can discern, and just double check and just talk to somebody is that a local agent is it someone someone else that we're unaware of just to make sure that you've started this process March 31 feels like a long way away, but it is a short amount of time in the insurance business so we want to make sure that you get started today. On as we've mentioned on March 31 the program expires and on April 1 proof of adequate insurance will be required to be sent to the annual conference now there's some caveats to that and I'll discuss it in one of the further slides, but those are some really important dates for you to kind of benchmark against. Here's a suggested timeline is by no means set in stone but just kind of a best practice we would suggest, call an agent today if you have not started the process start the process. If you kind of have in your mind that in early February you'll have agents working on quotes, it can take 15 to 30 days for a quote to come back, especially depending on the size of your church. Larger churches have more exposure and so we'll need more time to get a quote. So you want to make sure that you start that process. At least by early February quotes should come back at the latest by early March if you're working along this timeline, and then plan to make a decision by March 15 so that you can find the coverage. Make sure is everything is in place, just in case there always seems to be more questions that insurance agents can ask. And so I am having left through this a few times. I would say just, you know, allow for as much time as possible as you work through this process. I'm going to pause one minute just to see, Tracy, are there any questions about what the timeline that we've talked about or any of the initial pieces. Sure, a couple of people asked about when the email went out, notifying of this, it went out on Saturday, December the 17th. It would have gone to senior pastors and anybody in our database that we have associated with property insurance. Any specific questions about who at your church that went to your welcome to message me or email me after the meeting and I'll get you those answers. We have a couple of other questions Christie but I think they might be better answered it, maybe towards the end. Okay. Okay, how to prepare to get a quote. Information to collect will be the age of your buildings. Any updates you've done to your roof, your wiring, your heating your plumbing any of your major systems any type of repair, or maintenance that you've done you want to start collecting information about the those items. If you have a central station alarm information related to the company you use and the phone number that's associated with will help aid the insurance. But the adjuster, not the adjuster, excuse me, the insurance agent and trying to determine, you know, what safe measure you have in place related to your alarm. And then if you have sprinklers in your building, they might ask for current flow test. So, while you can now gather as much information as possible that you know about your building. Just make sure to show that, you know, they're they assess risk based on what the state of the building is or the personage or whatever it is that they're ensuring so just try to collect as much of that information as you can ahead of time. It will ease the application process for you. Excuse me. What do I need to do. First, so if you've not already started, I'm probably going to say an 87 times on this webinar start today. Contact Karen at Marsh her contact information will be in the next slide and I think it's been populated in the chat. She is the person at Marsh who is our existing agent that will give you the information that you need and we'll talk specifically about that in the next slide. Contact the insurance agents with the options that have been provided, or another trusted advisor that you want to seek an a quote from. And then this steps interesting I hadn't thought about this previously but set up meetings with your decision makers to review the process. Ask any questions that you might have ahead of time. Help gather the information and set up a timeline to review quotes. You know this is coming at a busy season for our churches right we're about to step into the season of lent Easter is, you know, towards the tail end of when this renewal has to spring break all the things that are going on so gather your decision makers now to talk about, you know, how do we want to go about this, who do we need a resource to help find the information. Who do we want to get quotes from, and just start the process and then I would suggest having a date in mind that you're going to gather back together to review the quotes because inevitably you'll have additional questions about what does this coverage mean what does that part mean, and you know any of the agents that you work with should be able to make time to answer questions and help guide you in the decision making process. Specifically from Mars are existing agent you'll want to request a church specific set schedule which is the summary of all of your exposures your buildings or properties your auto. That would be key to giving that information to whoever's going to give you a quote, the binder or summer summary of coverages some people will say hey I want to see a copy of all my policies, there's really just a short. I think it's maybe five pages long that shows what the current coverage is under our policy. So the idea is that your coverages that you're going to be able to get in the local market are going to be different than what you have experienced in the program as a whole. For good reason, you know we're trying to cover a much larger group of assets than the local church would so it's not going to be apples to apples comparison. Just keep that in mind and then the loss history for your particular church will be provided to you that you can pass on to any agent you decide to discuss or talk about with this. A couple of key insurance terms. Property is everything listed on the church specific schedule that's pretty self explanatory people liability is just the people side slips trips falls. Any high employment practices, just different decisions that are made that interact or affect people in the organization. Directors and officers insurance is insurance that every board whether not for profit or for profit in the world should have. It's the insurance that protects the decisions of the those in governance and so this not only protects the pastor but the leadership the leaders in the church so as a board of trustees chair as the council and finance administration chair as a treasurer. The decisions that you make should something go awry. You are, you know, a fiduciary steward of those and the dno policies what help helps protect you and then the volunteer role that you serve on an umbrella or excess liability policy. It's, it does what it sounds like an umbrella sits on top of the other policies below it. The DFA requires that for churches that are 500 members or more, they should also have an umbrella or excess liability policy in place. If you have autos or if you have a daycare, we highly recommend that you have umbrella coverage as well. It's important to be as forthright with the insurance agent that's giving you your quote about the different activities that happen in your church, so they can create a plan that serves you best. Auto self explanatory we all probably drive cars and have auto insurance and then the workers comp protects from any injuries on the job and we spoke, you know that's still mandatory piece of this program. One thing I want to say is, we mentioned that the GCFA standards are required level of coverage that each church should be at. It's not just something that the North Texas conference feels is a best practice the book of discipline actually says that the Board of Trustees are entrusted with the responsibility to ensure that the church is adequately protected from loss on insurance to the standard that is set by the general Council on finance and administration. And so we are following the discipline by saying that this is the, the guideline or measurement that we will ask our churches to do the same with those guidelines are re evaluated every year and so they're at the most recent ones are available for you to use one other line of insurance that you might want to consider is cyber insurance. We have not been able to offer it in our comprehensive plan just Nate based on the complex nature of all of our churches and their individual environments but as we all know how the world works. It's becoming a much more critical form of insurance to carry so so make sure to ask your insurance agent that you go to quote from about what that coverage could look like. Okay, how to find an agent. So in our letter we gave you three possible solutions your course welcome to use whichever agent you choose. The first one is the American church group. They are an approved provider by the North Texas conference. We received their name from actually the Great Plains Conference rights has a comprehensive insurance program and American church group rights for several different conferences across the country was our hope that they could create a program for us that would allow to have the individual church program that I was mentioning we weren't able to pull it off but they primarily write their insurance through brotherhood. So, that's why they're selected to be on the list is that we'd had conversations about them taking on the master program. Marsh the Clinton, you should be very aware of they have been our current provider for the last 10 years, or more sovereign insurance group is the exclusive program manager for the United Methodist insurance program. The general council on finance and administration has many different lanes that they help church and resource they help resource churches with one of them is insurance and so recently sovereign was named as the preferred program manager at and kind of endorsed by the GCFA through the United Methodist insurance program. They have relationships with several other conferences that have comprehensive programs are just individual churches as well so they, you know, for decades they've been working with nine Methodist churches and understand who we are big and small. And so, excuse me, they've been added as a potential provider as well. As I mentioned, you were more than welcome to go to another agent. A couple of things I just want to mention is that you make sure and check references of who you use just like any other business decision that you would make. It's helpful if you can find someone that has experience in the church or not for profit space, just because you have unique concerns and unique flow of individuals coming in and out of your space that maybe a traditional business wouldn't have. I always say this to everyone about church work don't hire someone you can't fire is challenging and churches to sometimes hire our friends or our neighbors or whatnot and then get into a sticky situation so just make sure that, you know, whomever you hire you just feel like if it goes south you aren't encumbered to stay with them forever so and always best practices to obtain multiple quotes just like any other business decision you would make. And since we have provided these three, you should be able to receive, you know, multiple quotes from those three and then if you want to use another outside agent to give a quote as well, you know, totally up to you or three outside agents, it's your choice. I do want to caution you that not all agents and insurance groups are created equally just like any other industry. As a poor loss history, your option might be a policy, your only option might be a policy that has language around minimum premium earned or minimum and deposit. So what does that mean.  Well, depending on the language of the policy that was written. You might be stuck with that with paying a hefty burden to leave so you might have to earn 25% of the premium before you can make a change and get to get released from it. Sometimes there have to deposits that have to be that are non refundable so you just need to make sure that you read the fine print and you understand what it is that the policy is saying. And so I would ask questions like that, you know, what happens if we decide to leave the policy early, you know what are there, what are the questions my favorite question anytime is what are the questions are not asking, or what are the things I don't know to make and so that I always find is a helpful tool when trying to make decisions in areas where I don't feel like I have all the expertise to, to know what I'm looking for. And I will say that, you know, the three providers that we have given you, you know, know who we are, know what we're trying to accomplish and know the unique landscape that churches are in especially with all the things going on so I would anticipate having to be worried about that last the second bullet point with one of the three of them because you know we've had a really good relationship with all of them. What to expect from the quote. So, the evaluation is going to be an issue. The average cost per square foot in the program is currently very low. In some comprehensive programs conferences will require that every three years or five years evaluation is done of the church to increase the property values in our conference that hasn't been the case. And really since I got here day one, our existing agent has said you know our coverages are valuations of our church buildings are too low. So, what some churches will experience a lot of it is based on not only that because we are undervalued but the supply chain issues the raw material costs that have been going sky high the cost of labor going sky high and we all know how much it is the increase and trying to build a house over the past couple years. This is going to be a direct impact on the value of your property as well so some of you might experience a 20 to 25% increase in value. Now that's not a dollar for dollar increase on how much more your premium will be. The insurance brokers actually told me that the closer you are to an appropriate value for your church building should it need to experience a loss actually can help you on the premium side because the insurance company knows that it's not taking so much risk on it should a loss occur. So I just wanted you to be aware of that. There are two important terms when it comes to property insurance. There's RCV and there's ACV so RCV is the replacement cash value. This is the preferred property insurance to get but it is really hard in this challenging market. So oftentimes and in the last couple of years we have had to get just the ACV coverage. So what that means is let's say your church building is worth $2 million at full replacement value to replace the church's $2 million but on the actual cash value maybe your church is 25 years old and it's depreciated some and it's really the value of it is only $1.7 million. So the insurance will pay at that amount not at the higher amount. It's you know, you don't need to concern yourself so much with these little details but I want to be able to explain to for you to understand that there is a difference between replacement cash value and actual cash value. Oops, sorry about that. Okay. So on your claims history and your general care. So be your own advocate in this process. Don't be afraid to share the good news. So I know that when we say that we have a, you know, a lot of our churches, 65 of them went through the winter storm and had a loss. So that might, and we talk a lot about how losses impact our ability to get insurance that's affordable moving forward but the flip side of that is, you had a loss, you did the appropriate repairs and now whatever was broken is fixed. It's newer right so don't be afraid to tell the story of okay well this, this whole half of our church has been renovated because of the loss and, you know, that is a good story to tell it's not just about you know the losses and great but there's still good information to share. Another key part is how is your church focusing on maintaining good care and fixing minor issues before they become major repairs. So let's say that your church did have a loss during the winter freeze and it was because you know the pipes weren't properly and since that time you have gone through and made sure that everything was insulated properly or maybe you've just done something like every month we're going to walk the building and check to see if you know how the shingle night every month you want to get on the road to check the shingles but you know just walking the building looking through all the classrooms making sure that you're finding leaks you know you're just do or maybe even every quarter. Anything that you're doing to help maintain the property is going to be to your favor when you come to your insurance quote. Sometimes we feel like the insurance agent is you know I'm trying to like push against that person but really the insurance agent is your advocate to the insurance company that's going to write the policy. So you know it should be seen more as a collaborative partnership where you're saying OK like these are the things we're working on and doing what else can we be doing to show that we are being good stewards of our resources and of our property. This will go a long way for helping your premiums. Excuse me so make sure that you one thing I do want to say and I don't know if you're like me but I would think like oh I got to put all these plans in place I have to do all these things before I get my quote for insurance that's not the case. Start today start the process and then your team needs to be thinking about OK how can we be advocates and make sure that we're taking good care of our stuff moving forward. A few notes for larger churches. Talk to your agent about a wind tail deductible buy down we have a couple of size select select sorry specifically towards deductible explanation so I'll get to those in a minute but so that'll be a key thing for large churches. Sexual abuse coverage. For the larger churches they're going to be lengthy applications and you want to make sure that you're familiar with background checks ongoing training and any manuals that you're using all the major carriers will require that you have these things in place. For any of our churches of course this is of critical concern and care as we have our people in our buildings. So you want to make sure that you think about how you're implementing and using those resources to help protect those that that come to your church each week. And then inspections so the larger churches should be prepared for the insurance company to do an in person visit or an inspection. You want to give yourself plenty of time to do this. I will tell you that the American insurance group that writes with brotherhood is committed to coming to each church that asked to for a quote as they have time available.  If you ask for the American insurance group to give a quote, they will want to do an inside inspection so make sure that you do that sooner get that scheduled sooner rather than later. Okay understanding deductibles. So there's two different types of deductibles. There's the wind tail and there's all other payroll wind tail makes sense. It's whenever we have a terrible storm tornadoes. That is wind tail obviously the amount that you pay is usually based on your total insured value. So how do you calculate total insured value. It's your square footage times, whatever number whatever the cost to replace it would be so currently the conference policy when tail is half of 1% of your total insured value. The market is the industry standard a low rate is 2%. So you just need to be aware of that difference between our current program and what you might find on the market. An important question to ask is, are your buildings going to be charged separately or are they going to be under one deductible in our program because of how we are built. We weren't able to separate different buildings with different deductibles but that's an important question to ask like how will my building or my property be treated. If there is a loss is there a different deductible for this building versus that one. It's kind of a unique situation by church but I would ask it. The other type of deductible is all other payroll so if there's a flood if a pipe burst, you know, if somebody runs into the side of your building which has actually happened to one of our churches. There's no other payroll and there's sometimes a different deductible for that. It's traditionally much much lower than your wind hail deductible will be part of what this is my dorky insurance fact of the day is that part of the, what was so detrimental about the problem in February of 21 was that it was considered an all other payroll loss because the lack of power pipes were bursting things were flooding and because those deductibles were so much lower than what the wind hail deductible would have been if it had been treated as that type of loss. The insurance industry lost so much more money than it would have. If it had been when tailed it caused the loss because there would have been less of a gap between what they were charging as a deductible and the actual losses that were sustained. So, there's your geeky insurance fact for the day. Just want you to make sure that you understand what the deductibles mean for your church if you have a loss ask the questions if a pipe burst what's my deductible. If a tornado runs through what's my deductible if I just have a storm or a hail event which we know we have so many of them in Texas, what would my deductible be in that case. Now I will tell you not all of the quotes that we're seeing come back from the three provided carriers are based on a percentage of total insured value. We're seeing lower deductibles that I'll talk about in the next slide. I mentioned buy downs are sometimes available so let's say that you're at a bigger church and the deductible rate that you're receiving is 5% of TIV or 4% of TIV on wind hail. A local church can make the choice to say you know what I really can't sustain paying 4% of my total insured value if I have a loss. So I want to buy that down to 2%. Now you're paying premium dollars in between that 4% and 2%. So it's a decision that the local church has to make and do I want to spend that money to reduce my risk or do I want to keep it at the higher threshold so I just want to throw that industry term out there in case that's something that you want to ask about. Another thing to think about is if you let's say that your quote comes in and you get a really low deductible and you're like you know what my deductible came in at $2,000 but I know that we have trustee reserves of like $10,000. And so I'm going to ask the question if my deductible goes up to $5,000 or $10,000 what does that do to my premium. Now, it's not a one to one ratio right but it might be that if you increase the deductible that you're willing to pay at the loss it will reduce your premiums and that makes sense for your church you can just, you know, roll the dice take the risk so those are the different types of leadership decisions that questions you should ask decisions that you can make. And I will say, one of our churches has been through the process using and they received a really low deductible. Their total insured value is like two and a half million, and they're deductible because they've had a good loss run and had some recent repairs to the church. They are deductibles $1,000 if they have a loss so they don't have a percentage when tail deductible. If you find yourself in that spot. I am so excited for you, but you want to start saving today for when the market shifts again or the church experiences a loss. I would encourage you to aim to save one to 2% of your total insured value and start building up that piggy bank for literally a rainy day because if you experience a loss. In a premium year, the next year you're straight you're just like anything that costs will go up and then your deductible structure might change. What we experienced in the insurance program was after several years of loss consecutively we had a jump from $2.5 million of first dollar of loss to 3.8 from a deductible of $25,000 to $50,000 per event. And then, you know, much more if after we did the first dollar of loss so just because it's been the way it was doesn't mean it's going to stay so you need to make sure that you start saving if you if you find yourself in that kind of situation. And it's this church that I'm talking about also saw a dramatic decrease in their total premiums compared to what they would be staying in the plan so I can't guarantee all churches will have such great luck but you know we have been hearing some good stories from the field about what people are finding. So frequently asked questions. What will I need after March 31 23. You'll need comprehensive property and liability insurance that needs to GCFA standards. You will need additional documentation if you decide to use one of the three providers that we've given you, you don't have to do anything else if you bind a policy with them. They will notify us that the policy and is in place, and there's nothing else for you to do. If you do not choose one of them, which is 100% within your rights to do that you will need to provide proof of adequate coverage by April 1 2023, and we'll send information out about what you specifically need to do to prove that that coverage. And then again the workers compensation inference will remain a shared program in the annual conference. So I'm going to pause right there and see what questions we have. Okay Christy couple that we have had come in and some that had come in from this morning session. One of which is can we bind coverage before April 1. You cannot bind coverage before April 1 we're in a captive mandatory program so the earliest we could do it as April 1. But I will tell you that usually insurance quotes only last about 30 to 45 days and the carriers that we have record our excuse me the agents that we recommended have all said that you know if you're given a quote now, it will be good with an effective date of April 1. Thank you. One person asked if small churches could get together and somehow get a policy as a group, some sort of joint policy. I would explore it I don't I don't know enough to say yes or no my thought would be no only because you have to be the owner of the property to have insurance for it. Multiple churches got together there would be multiple owners so I don't think the industry would allow it but I always say there's no bad questions to see what, see what you can find. Okay, and somebody asked a question related to the additional insured, both understanding what that means and then what, what does that, what does that look like for their church. Sure, it's great question. So there's two different types of write ins that you can do you can do additional named insured which or you can do additional insured so we are asking churches to do the lesser of the two and just put additional insured. What that means is if it's it's going to be on a liability claim, you know, if something happens and your church is sued, and the annual conference is also named as sued as well. That policy would cover the annual conference as well now not exclusively, but are we have policies in place that would protect the annual conference if we are sued in such a manner, but we were we received guidance from the insurance schools that are both on our advisory team and the agents that we work with it. This is a good step for churches to take, because we live in a connectional environment. It protects both the local church and the annual conference and you know when we think about our connectional system it's not just what benefits the annual conference that you know if a local church is sued and you know there's a sending liability to the annual conference and there's a huge settlement. Of course that goes back out to the churches as well so this is kind of an extra layer of protection that in our connectional system. All right, we have. Let's see. There, there's a question related to the coverage period, the fact that our policy runs April to April, but that we just filled the first quarter of 2023. And that is that they thought they had paid the first quarter invoice already when they prepaid the premium last January. The timing of it is, we guesstimate what we think we will see in the renewal on April by doing the payment cycle starting January 1, but it doesn't cover all of the premiums of the entire policy year. So we, we instead of you know churches budget as of one one to 1231. And so the decision was made long before I was here that the renewal date would be for one, and that we would guesstimate and hope for the best when we're charging years on churches on a 12 month basis, but it doesn't mean that all the premiums were paid with all of the dollars received by 1231 we still had one more quarter that needed to be paid. And the next question has to do with scout groups. The question specifically is if scout groups still meet at our church and we have signed the partnership agreement. They are securing their own insurance correct they aren't included in our umbrella. So that's a great question. The changes to the different agreements between organizations that host Boy Scouts Boy Scout groups BSA groups provides additional insurance than it did previously. And so we have advised churches that they either need to do an affiliation agreement, or a facility use agreement, but not a charter agreement because that doesn't provide enough separation between the church and the BSA organization. So, there is insurance coverage by the BSA to the groups, but you would need to talk specifically to whomever you get a quote from to ask what the appropriate level of insurance should be for your church that host that group so I can't say definitively. So that's one of those things that you know if you have charter organizations if you have daycares if you have other, you know, facility use agreements where there's extensive use of your, your church by minors, these are all things that you want to bring up to the insurance agents when you're getting quotes. Okay, and then somebody asks, are ACG and sovereign really equipped to deal with the incoming quote requests. So ACG is has said that they can handle part of our book of business, but not the entire book of business. And so that's why it's important to start early and often be in contact with them to see if they can come out and do it because they have an onsite inspection of your church that limits limits the amount of churches they can get to before a 401 renewal sovereign has full capacity to take on as many quotes as they can be sent. And March is the same. So the last question was really when the slide deck was going to be emailed out to everybody I'll email that out tomorrow morning, along with are actually Chris here I'll let you touch base on the next meeting so I think that's on a subsequent slide. Okay. Any other questions before we do key takeaways and Okay, so there's, there's a question related to what is meant by mandatory when it comes to the workers compensation policy. I'm not sure I fully understand the question but the work, Christie the workers compensation will continue as a shared mandatory program through the conference correct. Yes. David I'm not sure if that answers your question. Yeah, yeah it does I was it was just confusing because we said, insurance was mandatory and then we have a mandatory workman's program. I'm trying to figure out what the differences were, but I get it now. It's like a deck of cards you have different ones that play different different games right so the workers comp is the one that is going to continue shared but you're building this book of insurance with auto and general and dno and, and all that. So shopping for insurance. Should we tell them to exclude workers comp because we already have that coverage. Yes, sir. Okay, and that letter on the website actually list our policy number and the information you need, so they can have what they need to show that that is part of the bound coverage if they need it they probably don't but Texas is kind of a unique to do workers comp and so that was really another deciding factor is that it's really going to be challenging for churches to, to navigate all of that and the prices are so good for what we can offer in the shared program. Okay, thank you. Sure. I'm going to go. Finish up. Thank you. Takeaways. Make sure you start today shop around ask questions set up meetings with your leaders to review the policy. I know this feels overwhelming. We're here to be your resource to help you as best we can. I'll put the link to direct website page that has property insurance so you can find all the resources, and we will be hosting another follow up zoom on Tuesday, February the seventh in the same manner, having a 10am call and a 6pm call. You can attend either of them if you're not able to attend live you can sign up for them and the reporting will automatically be sent to you. That's all we have for this evening. Thank you very much for your time. Thank you. Much appreciated.


My name is Colleen Larson. I'm an Education Director for Student Success at the Wisconsin Technical College System. Within Student Success, I work with student services professionals, and particularly, I work to support student services staff at the colleges who work with underrepresented student populations. I would say every part of my job is helping a student overcome a barrier, whether it's external, internal, in the college, in the system, wherever. Helping them overcome some things that they can achieve their goal of going to college and becoming a contributing member of society. Someone who can help their community, can help their family, can work in a job that they enjoy. Our college is rock.  I don't know. I feel very grateful that I get to work in a job where, even though I'm removed from students, I know the things that we do make an impact. And I know that any member of our community succeeding is a success for us. That's special. That's an amazing gift to get to work in a place like that.


Dear students, in this module we shall discuss the neurotransmitters involved in slow and indirect transmission. There are two classes of such neurotransmitters. The first class includes the biogenic amines and the second class includes neuropeptides. First we shall discuss the biogenic amines. Biogenic amines act indirectly through second messenger pathways and produce slow synaptic responses. They include catecholamines that is epinephrine and norepinephrine and dopamine. They also include serotonin and histamine. We shall discuss the role of norepinephrine and epinephrine in detail. The neurons which release these hormones or neurotransmitters are called adrenergic neurons. Norepinephrine is the primary excitatory neurotransmitter in post-ganglionic cells of sympathetic nervous system. While epinephrine is excitatory at some synapses and inhibitory at others depending on the characteristics of post-synaptic membrane. Both these neurotransmitters are also released by the chromophine tissue of vertebrate adenal medulla. Both these neurotransmitters are structurally very similar having difference only on one methyl group. They also have similar pharmacological characteristics. Dear students, the norepinephrine is synthesized from amino acid phenylalanine. Dear students, when a neurotransmitter is released, it is necessary for it to stop its function. Norepinephrine is inactivated through two ways. In the first method, it is taken up by the cytoplasm of the presynaptic cell, i.e. the cell is reabsorbed by the neurotransmitter and the norepinephrine is repackaged and then released again when necessary. In the second method, when the presynaptic cell takes up the norepinephrine, an enzyme monoamide oxidase breaks it. In another method, the synaptic cleft is methylated by the norepinephrine and inactivates it. Dear students, there are certain psychoactive drugs which resemble in structure. These are the amines of the biogenic and also act at the same synapses at which these neurotransmitters bind. For example, mescaline, that is a drug that induces hallucinations. It interferes with the norepinephrine at synapses in the central nervous system. Another biogenic amine analogue is amphitamine. It is very potent central nervous system stimulant. It mimics norepinephrine and it interacts with the adrenergic neurotransmission. Another biogenic amine analogue is cocaine. It interferes with the inactivation of norepinephrine. When norepinephrine is not inactivated, it has a continuous effect on the neurotransmission. Now we shall discuss the neuropeptides, the second group involved in slow and indirect neurotransmission. There are about 40 or more neuropeptides involved in neurotransmission. They are synthesized and released in vertebrate central nervous system. Some neuropeptides are also produced outside the central nervous system by non-neural tissues. For example, intestinal endocrine cells also produce some neuropeptides, some autonomic neurons also produce some sensory neurons also produce some neuropeptides. Many of these neuropeptides are also found in the nervous system of invertebrates. Many hypothalamic and pituitary gland hormones are neuropeptides, similarly gastrointestinal hormones, glucagon, insulin, gastrin and cholecystokinin are also peptides. Neuropeptide and endorphins and encephalins are also examples. The neuropeptides are released in three ways as a neurotransmitter, as a neurosecretary substance and as a hormone. When a neuron secretes it and acts on other neurons, it is known as its role as a neurotransmitter. But when a neuropeptide is released in the circulatory system, it affects other neurons so such a substance is called neurosecretary, whereas endocrine tissues or endocrine glands as a substance are released and this substance affects non-neural tissues so that is called a peptide hormone. Neuropeptides are more potent neurotransmitters than small neurotransmitters. This is due to the reason that they bind in very low concentrations, they are active at 10 to the power 9 molar as compared to 10 to the power minus 5 molar of other substances. The second reason is that they act through second messenger pathways that provide amplification. So a small amount can produce large effect. The third reason of their effectiveness is that their actions are terminated very slowly so they remain available for long time to the receptors.


Hello and how are you all today? My name is Priyanka and let us discuss this question. It says two circles of radii 5 centimeter and 3 centimeter intersect the two points and the distance between these center is 4 centimeter. You need to find the length of the common chord. So the diagram that will help us in finding out the solution is this. Here we are given that two circles are of radii 5 centimeter and 3 centimeter and the distance between them is given to us as 4 centimeter. What we need to find out is this length of this common chord. So there is precedon with our solution. Here we are given that O A is equal to 5 centimeter. O dash A is equal to 3 centimeter and the distance between O O dash is equal to 4 centimeter. We need to find length of the common chord that is A B. So let us proceed on with our proof. Now in triangle let's say O A O dash that is this big triangle. We know the measurement of all the three sides. So we can find out the area of this triangle by using Huron's formula which says let us first find out S that is the sum of or that is the perimeter of the triangle divided by 2. The answer comes out to be 12 by 2 that is further equal to 6 centimeter. The area can be find out by using the formula S S minus A S minus B S minus C where S we have found out to be 6 and A B C are the sides of this triangle. So 6 minus 5, 6 minus 3 and 6 minus 4 that will further be 6 into 1 into 3 into 2. We can write 6 as 3 into 2. So we have 3 k 2 pairs and we have 2 k 2 pairs. Right? So we have 3 into 2 that is further equal to 6 centimeters. Now the area is found out to be 6 centimeter square. Also we know that we can find out the area of a triangle that will be O A O dash itself and we can use the formula that is half into base into altitude. Now we found out that the area of this triangle is 6. So 6 is equal to half into base of this triangle is 4 centimeters into altitude that is a n that is 6 into 2 divided by 4 equal to a m that is further equal to 3 centimeters. Now further we need to find out the length of A B. So that will be twice of a m because we can write that A B is equal to twice the length of a m because line from the center of the circle to the chord bisects the chord. Right? So this is O m is the line from the center of the circle to the chord A B. So that means it will be bisecting it. The value of a m we have got to be 3 centimeters. So m B will also be 3 centimeters that is twice. So therefore we have A B equal to 2 into 3 that is 6 centimeters length. So this is our final answer to the session. Hope you enjoyed. Have a nice day.


Article highlights using two laser wavelengths and different silver concentrations lead to the synthesis BNPs with different sizes and structures. High silver concentrations are limited due to oxidation and instability in the last sample. Synthesis of stable BNPs with controlled shell thickness is possible with the applied PLAO method. This article was authored by Shag Hayadibamini, Amir Hosein Sari, and Davood Durranyan.


There we go. Oh jeez and that's the end. Oh my god. Well, that ends that run Hello, everybody. I'm your rabbit. Happy new year to you all today. We're on beam and G Trying a challenge that Everybody says is extremely hard and I don't know if this is how I really want to start This new year, but we're going for it. We should guys follow me on all social media all which found in the description box below Well, let's get to it. So the peak sprint here on beam and G is apparently extremely hard and on a wheel It's probably even harder. So we're gonna go full send And see how we do I mean to me this feels like it should be easy, right? Okay, well, I already feel like this is going to be an extremely challenging event because there's no grip Absolutely no grip and trying not to wreck this car because we have 14 checkpoints. Oh Geez and that's the end. Oh my god. Well, that ends that run And now I can see and it says finish within five Minutes oh my god, uh Ah Right All right, I don't think we're gonna be anywhere near that These how we just crashed in the first minute They're trying to stay on the actual path a little more grip there. Oh boy probably No, stay away from anything that could puncture tires or roll the truck We're gonna take this easy. We're gonna try and actually finish this. Oh Boy, nope. Oh my god Don't lose it. Don't lose it. No gain control All right, we're gonna Kind of go slow through these jumps. Oh Geez, I say that we basically bottom out the front of this truck I want to go full send but I don't because there's all these jumps and ground changes That could potentially end my day. Oh, that's a really deep divot I could see why a lot of people have a Rage quit in this challenge Oh, sir That's a rock. Oh No We just went over a rock. I do not know What potentially we could have broken this is Not an easy challenge Bumps are terrifying because I don't know what type of damage I'm doing to the front of this truck and We have no resets So if we fail We have to start all the way over that was a little jump. Oh This is if you have beam and G I Would recommend trying this challenge because this is something else It's like a whoop section in motocross All about throttle control apparently. There's no way you could go flying through this There's absolutely no way While we're officially halfway a little bit of a section where it looks like we can put the pedal down But I don't Want it? No, do not whoo. Don't flip the truck Come cross be meant to be such a fun game. Oh No, no, no You've got to be kidding me We were so far. Oh, there's no way to flip the truck Rip alright, so we've made it back to the service section where we flipped the truck last time I'm gonna try and not do that This time Try and finish this challenge So unnerving not being able to see yeah, I think that's exactly what we flipped last time I kind of hesitated over that hill this time This is definitely a very very nerve-wracking challenge Luckily, it's not like a 10 10 minute run or something like that We got four more checkpoints to go We're not doing too bad this one. We're I think a little bit faster than the first one before we flip See that bump don't want to hit that Suspension on this truck is definitely working Is it getting darker? Oh boy. Is that just gonna that's big jump? Oh Oh, come on We must survive B-men G's hardest Challenge I feel yet Nope as luckily we haven't broke anything yet famous last words especially here in beam Like if we were going faster, we would be floating over these bumps But I don't want to run the risk of losing control I want to just finish this challenge and say I've accomplished it Definitely not gonna get it in The gold or three star bracket, but we might be able to get at least one star out of it We at least need to accomplish this Whoa getting skatey. I don't know what's on the other side of those. Yep. Just like I don't know what's on the other side of those bushes And there's a rock I Think I think it's just cosmetic so I think we're okay. Oh, man. Oh, man Really big opening and there's the finish we may actually complete this challenge But not in under six No, no, no, no, no. Oh Oh boy, uh We Almost just failed on the last straight of this challenge We didn't get any because we had to finish it in six and we are 20 seconds slow but we officially Accomplished the challenge, but now we need to see we can actually get it under the time if you guys like this You guys want to keep seeing more here on beam. Let me know down in the comment section down below we are looks like we're at the Repair facility or the midway point. So that's gonna do it here for this episode here on On beam Here on beam and G. Did you guys saw me at all such me all the front in the description box below? I'm gonna wrap it up. See you guys on the track


T. F. N. N. Headline news update. Good afternoon, folks. Welcome to your 2 p.m. update. I'm Steve Rhodes, coming to you live from sunny Delray Beach, Florida. I hope you're having a magical Monday. Right now we've got all the indices in the green. The Dow's up 288 points, trading out at 24,061. The S&P up 35, the Nasdaq up 32. Only three-tenths, four-tenths were sent to the upside. Russell 2000, the strong dog out here up 4%, trading out at 12, 82. Let's begin by taking a look at the S&P 500 out here. It's got a Gartley sell pattern that is still in effect out here. Gartley sell pattern would have an A to B equal CD. That's going to look like this for the S&P 500. Let's go ahead and punch it in here for you. The A point is the March 23rd low. The B point out here is the high from March 31st. And your C point of that A to B equal CD is the April 1st low. What you'll see is prices basically made the one-to-one price projection. That was $2897, the actual high that we're looking at took place on April 17th, and that was at $2879. That's close enough for us for the Gartley sell pattern, especially when the bear sash candle forms. That was on the trading day of April 20th. That creates resistance at $2879 if price. The S&P 500 closes above $2879.22. It's telling you that the Gartley sell pattern has failed. That means you wait for the next Gartley sell pattern. You wait for the next bearish reversal candle. Maybe price is headed to $2897. That's not that much higher. You'd still need to see that next bearish reversal candle. But as we speak at 2.01 in the afternoon, the Gartley sell pattern inside the S&P 500 is still in play. If we go take a look at the Dow Jones industrials, how about it? Well, guess what? It still has a Gartley sell pattern that is in play. Also had that same bear sash candle. So you'd be watching for if price were to close above $24.264.21, then that would negate the Gartley sell pattern. But as we speak at 2.01 in the afternoon, price is just moving up to try to test a resistance level. Well, how about the old NDX100? Well, guess what? She or he, it also has, what could call it it, my cousin it, it also has a Gartley sell pattern. Now in its case, it was the shooting star. And that was an 885518. So far today, that's been tested and rejected. So what do we know about the markets in this rally today? Hasn't changed the Gartley sell patterns for the S&P, the Dow or the NDX100? Thanks much for being here folks. Stay tuned. You got David White and then Tom O'Brien to take us on home from three to four. Have a magical Monday. Have a great day.


This is my first time getting high. I'm like, damn, there's a lot of people getting killed around me. Damn, that was a good week.  I hit the weed, that should put me in a lead state. Like, damn, like six people I know got killed last week. And I was like, damn, I really can die.


Russia's Defense Ministry said on April 20 it had hit what it referred to as the Bakhmat Central Command Unit of the Ukrainian Armed Forces. No details of the operation were provided, which Ministry spokesperson Igor Konoshenkov said had taken place near the settlement of Konstantin Ivka located about 20 km southwest of Bakhmat in Ukraine's eastern Donetsk region. Ukraine has not commented on the reports. Russian forces have stepped up heavy artillery bombardments and airstrikes on the devastated Ukrainian city in recent days. Fighting has raged in and around Bakhmat in Donetsk region for months, with Ukrainian forces holding out despite regular claims by Russia to have taken the majority of the city.


Hi everyone, I'm Joe for jazzy's casebreaks.com coming at you with pack number 171 2019 2020 panini mosaic salo packs chance to win three spots in the mixer We just have to do 172 and that's it. I think when I started this video We were at 10 spots left It might be sold out by the time I finished this video and then it's Mixersville big Thanks all of these folks for getting into it. They're the teams right there So as always we're gonna do the break first So we're gonna randomize those two lists eight times and then we'll re-randomize your names again And see who wins those mixer spots three four five six Seven and eighth and final time After eight Matthew Shira down to Tice All right eight times for this right here, too There's two three four five six Seven and eighth and final time after eight times We've got the Golden State Warriors down to the trailblazers All right, so here is the first half right here. There you go. Sean Matic, Palakins In this little quick little salo pack break and Grizzlies for Stephen Interesting Could there be some magic in these salo packs? It has happened before It certainly can happen again. Let's print. Let's rip We'll re-randomize that list after this pack right here, and I think pack 172 is at one left So the mixer will be coming up after I run that Nice will to win Yanis Silver rookie Now silver Jalen Brown, that'll still ship though, obviously Pink Camo exclusive to this set nice Taylor and KZ Okwalo rookie Pink Camo is not too bad The heat and will be Matt There you go, Matt. You'll get that and of course you and everybody else have a chance to win spots In the mixer three spots being given away here in break 171 after six times top three after six. Good luck one two three four five and six and final time after six Big thanks to so between four and thirty Thank you. Appreciate you giving it a shot. Congrats to Steven P Steven P and Sean Matic There you go top three right there You are in the mixer, which is coming up in a little bit Joe for Jasper's case breaks calm We'll see you next time for the next one. Bye. Bye


So I believe educators and teachers have a lot of overwhelming pressure on them to do so much. And I think essentially it's not about doing it alone. It's about us working as a team, the school district and many of the outside agencies and before agencies that are available to help. So I think it's about, again, providing the education, providing the awareness to the teachers and then allowing them to have an outlet where to turn to. So it's great to give educators and teachers all this information but what to do next. And I think that's generally what may be missing is what do we do next once we see these red flags. And that's where, again, I encourage reaching out to agencies that are available to provide services to youth that can come in and provide that one-on-one and what does that look like. Again, we have a great relationship built with school districts out there where we have open communications where we have disclosure forms signed right off the back so that we can speak to teachers about what's going on with these kids. So that we can come in onto school sites and provide counselling at the school where they can come to our offices and be dropped off and so forth. So it's about using the teams that are out there and really knowing where to go and say, hey, I have this kid, he needs help, he has a counsellor at the school, he has this, he has that but it just seems to be more going on. What can we do? And coming in and being able to provide those services and not just to the youth but essentially to the family because we can help the youth but we also need to help what's happening for them at home and that could be affecting their guardians or whoever's looking after them. So if we can work again, not just as a team on the outside but as a team on the inside as well then it takes the pressure a little bit off of educators and teachers having to have to do everything but more spreading some of that around and getting everyone to kind of pitch in and help.


So cytokinesis is essentially the division of the whole cell. Mytosis divided our nucleus, and now we've got two identical nuclei. Cytokinesis divides the cell itself. I have a picture to show you in just a second, but let's just review the whole process. Remember, we had our whole stage of interphase, and then prophase begins. We lose the nuclear envelope. We start condensing the chromosomes. The spindle fiber team centrosome is appearing. You can see my microtubules, my centriole. You can see that, let's see here, there we go. You can see that we're going to start to kind of jostle our chromosomes around so that they line up on the equator, the midline of the cell in metaphase. You can see my centrioles. The centrosome structure is at the poles. In anaphase, what's going to happen? We're going to pull those sister chromatids apart toward the poles. You end up, let's telophase. We get in there. We start reversing the whole process. We're going to unravel our DNA. We're going to reform the nuclear envelope. But then you see that we've got two nuclei inside one cell. That's not going to be cool, but we have to go through cytokinesis. And that's the literal division of the cell itself. Now look, that's cytokinesis in action. You can see that these cells are actually splitting apart. But then this is a structure called a cleavage furrow, which I never recommend you going and searching for cleavage furrow on the internet because I made that mistake. Learn from my mistakes and don't do that. It's a little disturbing. I'm hoping to find a free and open image of a cleavage furrow, but that's a cleavage furrow. And it literally, it's so cool. The cell pinches in half. Now this is an animal cell. So a plant cell that has a cell wall is going to have a whole another process. It can't pinch off because it has to build a wall. So it basically starts building a brick wall between the two cells, which is plant cytokinesis. So let's do a walkthrough of the whole thing. From start to finish using one of the little rig style animations, woof woof, and we'll see if that pulls all the pieces together for us.