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Index= 57 Title=Largest health insurer to keep key parts of law regardless of court ruling The nation’s largest health insurer will keep in place several key consumer provisions mandated by the 2010 health-care law regardless of whether the statute survives Supreme Court review. Officials at UnitedHealthcare will announce Monday that whatever the outcome of the court decision — expected this month — the company will continue to provide customers preventive health-care services without co-payments or other out-of-pocket charges, allow parents to keep adult children up to age 26 on their plans, and maintain the more streamlined appeals process required by the law. UnitedHealthcare would also continue to observe the law’s prohibitions on putting lifetime limits on insurance payouts and rescinding coverage after a member becomes ill, except in cases where a member intentionally lied on an insurance application. The provisions are part of a larger package in the law often referred to by supporters as “the Patients Bill of Rights” that took effect as plans renewed after Sept. 23, 2010. They are popular with consumers and relatively uncontroversial among insurers. And there had already been signals from industry insiders that some insurers were likely to leave them in place. UnitedHealthcare, a UnitedHealth Group company, is the first to publicly commit to the idea. “The protections we are voluntarily extending are good for people’s health, promote broader access to quality care and contribute to helping control rising health care costs,” Stephen J. Hemsley, president and chief executive of UnitedHealth Group, said in a statement. “These provisions are compatible with our mission and continue our operating practices.” The court’s options include upholding the law, overturning part or all of it, and delaying action until after the law takes full effect. A spokesman at UnitedHealthcare said officials chose to announce their intentions now because “people in this uncertain time are worried about what might happen to their coverage and we think the time is right to let people know that these provisions will continue and they can count on us.” The announcement applies to the roughly 9 million consumers in plans that they or their employer have purchased from UnitedHealthcare. An additional 27 million people are covered by plans that are administered by UnitedHealthcare but for which their employer has assumed the financial risk, meaning that in effect their employer is their insurer. In these cases it would be up to the employer to decide which provisions to continue offering voluntarily. While UnitedHealthcare would include birth control and sterilization among the preventive services it would continue to offer without co-payments, officials said they would honor requests from employers or individual customers wishing to remove such services from the list because of religious or other objections. By contrast, in implementing the health-care law’s preventive-services requirements, the Obama administration has issued controversial restrictions on the types of employers that can refuse to offer birth control coverage on conscience grounds. Officials at UnitedHealthcare said they did not have statistics on what, if any, impact the decision could have on premiums. The Obama administration has estimated that on average the law’s early consumer mandates would increase premiums by less than 2 percent. However, that figure has probably varied depending on whether a particular plan already included the new requirements — often the case with plans bought by large employers — or whether insurers had to incorporate the new rules — often the case with plans sold to individuals and small businesses. Further complicating the picture, other forces, such as a drop in use of health care, have exerted a countervailing downward pressure on premiums in recent years. The “Patients Bill of Rights” also includes several mandates that UnitedHealthcare did not pledge to continue complying with in the event the Supreme Court invalidates the law. These include the elimination of annual limits on insurance payouts, which are being phased out under the law, and that statute’s ban on denying coverage to children with preexisting conditions. The latter would be impossible to do unilaterally, said UnitedHealthcare officials, because the company’s risk pool could be quickly skewed toward sick children. But in a statement they said the company is “committed to working with all other participants in the health care system to sustain that coverage.” Ronald Pollack, executive director of the consumer advocacy group Families USA and a supporter of the law, welcomed UnitedHealthcare’s announcement. “It would make a huge difference for a great number of people who would otherwise be left out in the cold in terms of getting coverage,” he said. “And hopefully, given UnitedHealthcare’s market share, this would have tremendous influence on other companies.” But even if the entire insurance industry followed suit, Pollack said, it would hardly make up for the loss of other provisions in the law that are set to take effect in 2014 — including the extension of Medicaid to cover a larger share of the poor, subsidies to help low-income Americans buy insurance and bans against insurers discriminating against adults with preexisting conditions. This would be a “one-third of a loaf” substitute, Pollack said. “A very good step, but in no way altering the necessity of implementing the much larger protections included in the new law.” UnitedHealthcare — one of the nation’s largest health insurers — has announced that it will preserve a provision of the health care law that allows young adults to stay on their family health care plans up to age 26, even if the high court rules the law unconstitutional later this month. The measure is one of several so-called “Patients’ Bill of Rights” included in the law that UnitedHealthcare will keep in place. The company will also continue offering preventive health care services without out-of-pocket costs and end lifetime limits on insurance payouts: “The protections we are voluntarily extending are good for people’s health, promote broader access to quality care and contribute to helping control rising health care costs,” Stephen J. Hemsley, president and chief executive of UnitedHealth Group, said in a statement. “These provisions are compatible with our mission and continue our operating practices.” [...] A spokesman at UnitedHealthcare said officials chose to announce their intentions now because “people in this uncertain time are worried about what might happen to their coverage and we think the time is right to let people know that these provisions will continue and they can count on us.” The announcement applies to the roughly 9 million consumers in plans that they or their employer have purchased from UnitedHealthcare. So far, 6.6 million young adults between 19 and 25 years old have signed up for insurance coverage through their parents’ policies. It’s a popular provision that even Republicans, such as Tea Party favorite Rep. Allen West (FL), support. During an appearance on Fox News Monday morning, Sen. John Barrasso (R-WY) — one of the staunchest opponents of the law — also defended the insurer’s decision, noting, “to allow them to stay on that family plan, just helps the family until that person goes to school [and is] established in life.” The growing bipartisan support for some provisions of the law will complicate the GOP’s efforts to repeal the Affordable Care Act, particularly as Americans start to benefit from it. The measure expands access to health insurance for millions of Americans, and UnitedHealthcare’s decision to continue at least some of its provisions means that Obamacare has already changed the health care system — no matter what the Supreme Court decides. The one thing that I can see "positive" out of it besides the OP (insurance companies deciding to keep the provisions anyways), is all those people who will suddenly lose coverage and the benefits they have already started enjoying thanks to the reform....many of whom are conservatives. They are not going to be happy and the blame will lie solely on the GOP for challenging it and worse, not having a back up plan to replace it or fix it. I dont want to see anyone lose their coverage... but a small part of me admits I will get some satisfaction out of the pissing off conservatives and watching them turn on the GOP. (The democrats better be ready to lay the blame loudly, and frequently where it should lie...hopefully they are ready to do so just in case). With the presidential election coming up and the debates, hopefully Obama will make sure that message gets out loud and clear. Granted the vast majority of conservative are too brainwashed or willfully ignorant to understand those facts and will deny it... but there are plenty of moderate ones who have already started grumbling about the direction their party has been going.. that might be the final push they need. Two More Health Insurers Pledge To Preserve Parts Of Obamacare | Aetna and Humana have joined UnitedHealthcare in promising to preserve several popular provisions of Obamacare, even if the high court rules the law unconstitutional later this month. Bloomberg reporter Alex Wayne tweets: Alex Wayne@aawayne Humana too. MT @aawayne Aetna to match UnitedHealth, cover preventive services, young adults as dependents if SCOTUS knocks down #hcr. $HUMIndex= 57 Title=Microsoft Office 2007 product key FREE [] Microsoft Office 2007 Product Key Free If you have come looking for free Microsoft Office 2007 product key, you have come to the right place to get all the information. Office Professional 2007, Office Home & Student 2007, Office Standard 2007, Office Small Business 2007 are all available for free download from Microsoft. It also comes with a 60 day trial period. The Office Professional 2007 suite includes: * Microsoft Office Access 2007 * Accounting Express 2008 * Microsoft Office Excel 2007 * Microsoft Office Outlook 2007 with Business Contact Manager * Microsoft Office PowerPoint 2007 * Microsoft Office Publisher 2007 * Microsoft Office Word 2007 In order to start your trial period, you must activate the trial software. Also, note that an internet connection is required to activate your trial. The Trial period begins after you activate. You can launch the application for a total of 25 times before having to enter the Product Key and Activating the product. During the activation process you'll be notified when the trial will expire. How to Activate the Trial The process to activate your trial software begins automatically when you open any Microsoft Office System product for the first time. I will direct you to a step-wise procedure now. Trial Product Key Enter the 25 character Trial Product Key in the Setup dialog box. Then click Continue. Next, the Microsoft Software License Terms will appear. Microsoft Software License Terms (MSLT) You must accept the terms of the Microsoft Software License Terms (MSLT) to use the trial. To accept it, select "I accept the terms in the License Agreement." Then, click Continue, and the Activation Wizard will open. Activation Wizard In the Activation Wizard, Select I want to activate the software over the Internet and click Next. The wizard will lead you through the activation process. When this process is complete, you will receive a notice that activation has been successful. The notice will indicate the date when the trial will expire. Ways to Convert the Trial into Full Version You can convert from the trial software to a full-version either before or after your trial period ends. Before the trial period ends You will start receiving expiration reminder messages indicating the date when the trial will expire. At this point, you can convert to the full product in two ways: 1. In any of the expiration reminder messages, click Convert, and then follow the steps in the conversion process, below. 2. At any time during the trial period (or even after the trial has expired), you can open any of the Microsoft Office System products, and in the Help menu: click Activate your software. After the trial period expires The software goes into reduced functionality mode. Some of the limitations of reduced functionality mode include the following: - You can not create any new files. - You can view existing files, but you can not modify them. - You can print files, but you can not save them. How to Convert Microsoft Office 2007 to Full Version This requires that Microsoft Office 2007 has been installed without the product key in the first place. Once Microsoft Office 2007 has been installed with no product key, proceed as follows: 1. In Windows Explorer, browse to the following folder: C:Program FilesCommon FilesMicrosoft SharedOFFICE12Office Setup ControllerProof.en 2. Right click on Proof.XML file, select Open With in the right click menu. 3. In the Open With window, select Notepad to be used to open the XML file. [Note: In Windows Vista, if you can’t see the Notepad option, simply double click the “Other Programs” to unhide it.] 4. Scroll down to the bottom of the Proof.XML to locate the following lines: 5. Change the AlwaysInsalled to neverInstalled so that the line looks like following: 6. Save the Proof.xml file. 7. You can now launch Microsoft Office 2007 application such as Word, Excel, Powerpoint, Outlook and etc without prompting for activation. Note: Information via mydigitallife, we haven't tested it ourselves. It is for informational purposes only and not intended to be used. Microsoft Office 2010 2.11.2010 Free Download Microsoft Office 2010 Ada kabar baik bagi anda penggemar microsoft office. Sekarang Anda dapat men-download Microsoft Office 2010 gratis, baik versi home office dan versi profesional. Anda tidak perlu untuk mencari Crack Microsoft Office 2010. Pada artikel selanjutnya, akan saya berikan Microsoft Office 2010 product key yang dapat anda gunakan untuk crack software. Saya akan memberikan free activation keys untuk Microsoft Office Professional Plus 2010 dan Microsoft Premium Product lainnya. Free Download Microsoft Office 2010 tersedia dalam dua versi. Anda dapat men-download versi MS Office yang ditargetkan untuk pengguna rumahan, usaha kecil dan sekolah (Microsoft Office Home and Business 2010 Beta) dan Anda dapat juga men-download versi Office untuk perusahaan dan bisnis menengah (Microsoft Office Professional 2010 Beta). Microsoft Office Home and Business 2010 Features and System Requirements: Microsoft Office Home and Business 2010 berisi perangkat dan fitur yang akan membantu anda menjalankan bisnis Anda, baik di rumah maupun di kantor. Pekerjaan anda akan jauh lebih efisien dengan aplikasi microsoft office 2010 ini. Telah tersedia fitur foto, video dan efek teks untuk membuat dokumen dan presentasi. Microsoft Office Home and Business 2010 berisi software : •Microsoft Word 2010 •Microsoft Excel 2010 •Microsoft PowerPoint 2010 •Microsoft Outlook 2010 •Microsoft One Note 2010 Software ini menggunakan teknologi Click-To-Run, sebuah teknologi streaming untuk digunakan pada koneksi internet kecepatan tinggi. Jika Anda tidak memiliki koneksi berkecepatan tinggi, anda juga dapat men-download Office Professional 2010 Beta sebagai gantinya. Spesifikasi komputer untuk Microsoft Office 2010 Home and Business(menurut microsoft): Windows XP with Service Pack (SP) 3 (32-bit operating system only) or Windows Vista with SP1, Windows 7, Windows Server 2003 R2 with MSXML 6.0, Windows Server 2008, or later 32- or 64-bit Windows Operating System. Other requirements are: •At least 500 megahertz (MHz) processor is required. Seriously though don't even think of running it on a P3 processor, shame on you. •At least 256 megabyte (MB) RAM or higher, more the merrier. •1.5 GB Hard-disk will be required for installation. Some disk space will be freed after installation if the original download package is deleted. •1024×768 or higher resolution monitor is required. Note: Use of graphics hardware acceleration requires DirectX 9.0c compatible graphics card with 64 MB or higher video memory. Microsoft Office Professional 2010 Features and System Requirements : Microsoft Office Professional 2010 menggabungkan semua produk yang Anda butuhkan untuk membuat, mengedit dan berbagi-pakai dokumen dari mana saja. Dan isinya jauh lebih kompleks dari Microsoft Office Home and Business 2010. Singkatnya, Office Professional 2010 Suite berisi produk Microsoft Office berikut: •Microsoft Word 2010 •Microsoft Excel 2010 •Microsoft PowerPoint 2010 •Microsoft Outlook 2010 •Microsoft Publisher 2010 - In professional edition only •Microsoft Access 2010 - In professional edition only •Microsoft One Note 2010 Spesifikasi yang dibutuhkan untuk Microsoft Office Professional 2010 sama dengan Microsoft Office Home and Business 2010. Nah, sekian informasi tentang produk microsoft office terbaru ini. Sekarang saya berikan free download links yang anda tunggu - tunggu. Free Office 2010 download links : •Download Microsoft Office 2010 Home and Business edition disini. •Download Microsoft Office 2010 Professional Edition disini. Get free Ms. Office 2010 (beta) Microsoft memberikan kesempatan kepada publik untuk menjajal Office 2010 dalam versi beta dengan cara mengunduhnya. Pengumuman ini diberitahukan saat Konferensi Pengembang Profesional 2009, Microsoft mengumumkan ketersediaan versi beta publik dari Office 2010 bersama dengan server SharePoint, Visio, aplikasi Office Web. Menurut Microsoft, Office Professional Plus 2010 versi Beta ini memiliki antarmuka yang hampir sama dengan versi sebelumnya. Peranti lunak ini tersedia dalam versi 32-bit maupun versi 64-bit. Selain ikon baru, fitur Office 2010 terintegrasi Office Communicator 2007 R2 dalam Outlook 2010. Selain itu, fitur ini memungkinkan pengguna untuk melakukan sinkronisasi Windows Live mereka dan situs jaringan sosial lainnya dalam terintegrasi Outlook. Awal tahun depan, LinkedIn Feed dapat ditambahkan ke Outlook 2010. Office 2010 beta publik untuk versi di 32-bit memakan memori 684MB dan 64-bit menggunakan memori 750MB. Kedua paket termasuk versi tweaked Office applications - Word, Excel, Powerpoint, Outlook, OneNote, Access, Publisher, InfoPath, SharePoint Workspace dan Communicator. Setelah mendapatkan umpan balik dari publik, Microsoft rencananya akan merilis Office 2010 versi final dalam semester pertama tahun depan. Jika ingin mengetahui kemampuan Office 2010 ini, silahkan untuk mengunduhnya di situs resmi Microsoft. Index= 57 Title=One Direction [] One Direction are an English boy band formed in London in 2010, consisting of members Niall Horan, Zayn Malik, Liam Payne, Harry Styles and Louis Tomlinson. They signed with Simon Cowell's record label Syco Records after being formed and placing third in the seventh series of British television music competition The X Factor. They subsequently signed in North America with Columbia Records. What Makes You Beautiful", One Direction's debut studio album, Up All Night (2011), topped charts worldwide. Its number one debut on the US Billboard 200 chart, made One Direction the first British group in US chart history to debut at number one with their first album, a feat which was inducted in the Guinness World Records. One Direction supported the album with their Up All Night Tour. Preceded by lead single, "Live While We're Young", One Direction's second studio album, Take Me Home is scheduled for release on 12 November 2012. One Direction's upcoming world tour is set to run for most of 2013, with tickets grossing US$15.7 million for their Australian and New Zealand dates. Besides their musical endeavours, One Direction have supported various charities and foundations, and have commercial endorsements with Pokémon, Nokia, HarperCollins and Hasbro. One Direction have been described as sparking a resurgence in the boy band concept, and of forming part of a new "British Invasion" in the United States. Generating millions in combined music, merchandising and touring sales, as of June 2012, according to Nick Gatfield, the chairman and chief executive of Sony Music Entertainment UK, One Direction represent an US$50 million business empire. By August 2012, One Direction have sold 12 million records. Their achievements include a BRIT Award and 3 MTV Video Music Awards. The Huffington Post proclaimed 2012 "The Year of One Direction".[1] In 2010, Niall Horan, Zayn Malik, Liam Payne, Harry Styles and Louis Tomlinson auditioned as solo candidates for the seventh series of British television music competition The X Factor.[2] Failing to progress to the "Boys" category at "judges' houses", after a suggestion by guest judge Nicole Scherzinger,[2] they were put together to form a five-piece boy band at Wembley Arena, London, England, 23 July 2010, during the "bootcamp" stage of the competition,[3] thus qualifying for the "Groups" category. Subsequently, the group got together for two weeks to get to know each other and to practise.[4][5] Styles came up with the name One Direction as he thought it would sound good when The X Factor announcer read their name out on the live shows.[4] For their qualifying song at "judges' houses", and their first song as a group, One Direction sang an acoustic version of "Torn".[6] In the live shows, after the elimination of F.Y.D., Diva Fever and Belle Amie within four weeks, they were Simon Cowell's last act in the competition.[7] The group quickly gained popularity in the UK.[8] One Direction finished in third place behind runner-up Rebecca Ferguson and winner Matt Cardle.[9] Immediately after the final, their song "Forever Young", which would have been released if they had won The X Factor, was leaked onto the internet.[9] Shortly afterwards it was confirmed, One Direction had been signed by Cowell to a £2 million Syco Records record contract.[10][11] Recording for their debut album began in January 2011, as they flew to Los Angeles to work with producer RedOne.[12] In February, One Direction and nine other contestants from the series participated in the X Factor Live Tour.[13] The tour saw the group performing for 500,000 people throughout the UK.[14] After the tour concluded that April, the group continued working on their début album,[12] recording took place in Sweden, UK, and the United States, as One Direction worked with producers Carl Falk, Savan Kotecha, Steve Mac, and Rami Yacoub, among others.[15][16] Up All Night and international breakthrough (2011–12) Released in September 2011,[17] One Direction's debut single "What Makes You Beautiful" debuted at number one on the UK Singles Chart, after becoming the most pre-ordered Sony Music Entertainment single in history.[18][19] Subsequent singles "Gotta Be You" and "One Thing" both peaked within the UK Singles Chart top ten.[20][21] In November 2011, they signed a record deal with Columbia Records in North America.[22] "What Makes You Beautiful" was released in the United States in February 2012,[23] where it debuted on the Billboard Hot 100 at number 28, becoming the highest debut for a British act since 1998.[24] It peaked at number 4 and has sold over 3 million units in the US.[25] Upon arrival in the US in February 2012, One Direction embarked on a radio promotion spree, as well as their first American concert tour as an opening act for Big Time Rush.[26][27] They made their first television appearance in the US on The Today Show on 12 March at the Rockefeller Center, an estimated 15,000 fans descended on the plaza.[28] Critically commended for its appeal to the teenage audience,[29][30][31] One Direction's debut studio album, Up All Night, was released globally in early 2012. It became the UK's fastest-selling debut album of 2011,[32] and topped the charts in sixteen countries.[33] Garnering One Direction a place in the Guinness World Records,[34] it debuted at number one on the US Billboard 200 chart, making One Direction the first British group in US chart history to debut at number one with their debut album.[35][36] As of July 2012, Up All Night is 2012's second biggest-selling album in the US.[25] By August 2012, the album has sold over 3 million units worldwide.[37] One Direction performing in Sydney during their Up All Night Tour, April 2012 One Direction attended the 2012 Brit Awards at which "What Makes You Beautiful" won the BRIT Award for Best British Single.[38] In April 2012, an American band from California, who went by the same name, filed a trademark infringement lawsuit.[39] One Direction were sued in the United States by a group of the same name for $1 million in damages and asked for a share of the group's royalties; the latter claimed they had received hate mail and death threats from fans of the UK group.[40] Syco Records counter-sued, suggesting the US group was trying to make money from One Direction's success and that the boy band was the first to use the name in US interstate commerce.[40] The BBC reported in September 2012 that the UK group won the legal dispute over the right to keep using their band name;[40] the US band changed its name to Uncharted Shores while One Direction will keep their name.[40] The name change was announced in a joint statement that also noted both groups were happy with the outcome.[40] In December 2011, One Direction embarked on their first headlining UK concert tour, the Up All Night Tour.[41] In early 2012, they announced Australasian and North American legs of the concert tour, with dates from April to July 2012.[42][43] The tour, resulting in 62 shows, was met with positivity both critically and commercially.[44][45] A recording of a concert from the tour, Up All Night: The Live Tour, was released in May 2012.[46] In addition to the DVD topping the charts in twenty-five countries, as of August 2012, its global sales had exceeded 1 million copies.[37][47] In June 2012, Nick Gatfield, chairman and chief executive officer of Sony Music Entertainment UK, stated how he expects One Direction to represent a $100 million business empire over 2013.[48] "What you might not know about One Direction is that they already represent a $50 million business and that's a figure we expect to double next year".[49] On 1 August 2012, with sales of 8 million singles, 3 million albums and 1 million DVDs, One Direction were presented with discs by Syco and Sony Music.[50] On 12 August 2012, One Direction performed "What Makes You Beautiful" at the 2012 Summer Olympics closing ceremony in London, which represented the handover to Rio de Janeiro as the host of the 2016 Summer Olympics.[51] On 6 September 2012, One Direction performed "One Thing" at the 2012 MTV Video Music Awards. They won Best New Artist, Best Pop Video and Most Share-Worthy Video for "What Makes You Beautiful".[52] In May 2012, One Direction began recording their second studio album, Take Me Home, in Stockholm, Sweden.[53] In April 2012, The Independent reported that Cowell challenged music's "most successful" songwriters to compete for space on One Direction's second album, after the global success of their debut album.[54] Dee Demirbag, responsible for international artists and repertoire at music publisher, BMG Rights Management in Scandinavia, said: "Breaking a boy band in the US is about as big as it gets in the music industry, so you can imagine the competition to get cuts on the next One Direction album is immense."[54] The same month, Styles stated, "we're always writing on the road and in hotels and airports. We don't ever want our music to sound like a 40-year-old man in an office has written it and given it to us to perform."[55] Take Me Home is scheduled for release on 12 November 2012, and was preceded by lead single, "Live While We're Young", which was released on 28 September 2012.[56] One Direction are due to headline New York City's Madison Square Garden on 3 December 2012. One Direction are also set to embark on their second concert tour, the 2013 World Tour, in February 2013.[57] The concert tour thus far consists of 101 shows in the UK, Ireland, North America and Australasia. In the UK and Ireland, ticket sales reached 300,000 within a day of release, which included a six date sell out at London's The O2 Arena.[58] In North America, the group added additional shows due to "overwhelming demand".[59] In Australian and New Zealand markets, tickets grossed US$15.7 million, with all 190,000 tickets being sold for eighteen shows to be held in Australia and New Zealand.[60]