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Medicare beneficiary: Someone living below the federal poverty guidelines for whom the government is required to pick up premiums, deductibles, and copay costs for Medicare Part B (basic medical) coverage Modified fee-for-service: Reimbursement is based on the actual cost of services, taking into account plan limits Mortgage insurance: Also known as MI or PMI (for private mortgage insurance) A policy that protects the lender by paying the costs of foreclosing on a house if the borrower stops paying the loan Although mortgage insurance protects the lender, it is paid monthly by the borrower Mortgage insurance usually is required if the down payment is less than 20 percent of the sale price Multiple Listing Service (MLS): A listing (almost always computerized) of all the properties for sale by real estate brokerages in a given geographical area.

Tip:

No fault insurance: If you live in a state with no fault insurance regulations, your auto insurance policy pays for your injuries no matter who was in the wrong in an accident No fault insurance states include.

Tip You can also view the contents of a portable media player from Control Panel. In Category View, click on Sounds, Speech, and Audio Devices. Then, open the Portable Media Devices icon.

Rosen says another reason we talk about products, such as the latest electronic gadget we bought or the latest book we read, is to send a message to people about how wealthy, smart, or sophisticated we are Words, he writes, are often the currency we exchange to manage an important asset: our reputation And products help us do that 16 We buzz to make sense of the world Remember what we said about the proliferation of brands in 2 In the early 1970s there were zero web sites; now there are over 47 million and the number of sites is increasing every day Colgate made 2 types of toothpaste in the 1970s They produce 17 types today Styles of SUVs 8 in the 70s, 38 today, and so on Rosen says that proliferation of choices has made life complex and confusing.

Mailing labels (shown in Figure 9.4) are also a type of report. Access includes a Label Wizard to help you create this type of report. The Label Wizard enables you to select from a long list of label styles. Access accurately creates a report design based on the label style you select. You can then open the report in Design mode and customize it as needed.

Plus, every day there are scores of new products we have to make sense of Do they work Are they worth the price Making sense of all of these options is hard In such a world, anything like buzz that helps us make sense of these options, well, makes sense We buzz to reduce risks Buzz offers the additional bene t, says Rosen, of reducing risks, costs, and uncertainty He notes that when he moved recently, he had to leave his doctor behind and nd a new one He asked his new neighbors and business associates to recommend a doctor they liked In short, he checked the doctor buzz He notes that 70 percent of Americans ask the advice of others before choosing a physician.

This instrument helps a person discover the speci c style they bring to con ict and how to use other styles that might be more effective, given the demands of the situation CPP has both individual and team pro les that you can use without certi cation You can even buy a complete con ict mode workshop from them with PowerPoint slides and handouts to add to your menu of services..

Ingredients Italian or French bread, about 3 4 in. (8 10 cm) wide and 1 2 in. (6 mm) thick Garlic cloves, cut in half Extra-virgin olive oil Salt Pepper

Even though these people are rarely quali ed to judge the professional competence of a physician, we feel better knowing that most of a doctor s patients consider him or her competent We buzz because it makes economic sense to do so Rosen notes that another reason we buzz is because sometimes it bene ts us if we can convince other people to buy the products or adopt the technical standards we do After all, if we use Microsoft Windows and Word, it s a lot easier for us to share information with others if they use the same products We might even engage in some negative buzz and try to discourage people from using an alternative and even better product because it would be costly for us to have to switch to match their standard.