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You can only be resistant to one element at a time 5 Items Increase Duration of Alchemy Poisons by 4 seconds Zone Wrothgar Zone Vvardenfell Location Malacath Statue Location Marandas Hist Bark Magnus’ Gift Whitestrake’s Retribution 2 Items Adds 1935 Physical Resistance (CP160) 2 Items Adds 967 Max Magicka (CP160) 2 Items Adds 1064 Max Health (CP160) 3 Items Adds 129 Health Recovery (CP160) 3 Items Adds 129 Magicka Recovery (CP160) 3 Items Adds 1935 Spell Resistance (CP160) 4 Items Adds 1064 Max Health (CP160) 4 Items Adds 129 Spell Damage (CP160) 4 Items Adds 129 Health Recovery (CP160) 5 Items Gain major evasion while blocking, increasing dodge chance by 20%.


27/09/2017 www.pdf-archive.com

Do minimum wage increase cause inflation? 98%

It is found that the minimum wage increases did not increase inflation.


12/11/2015 www.pdf-archive.com

Session5 Katz 97%

The skill biased technological changes (SBTC) favouring skilled workers over unskilled workers due to increase in relative productions.


15/12/2017 www.pdf-archive.com

External Qi Calcium (military) 97%

accepted 21 September 2004 Abstract External bioenergy (EBE, energy emitted from a human body) has been shown to increase intracellular calcium concentration ([Ca2+ ]i, an important factor in signal transduction) and regulate the cellular response to heat stress in cultured human lymphoid Jurkat T cells.


28/02/2016 www.pdf-archive.com

Domain Group Housing Report Dec Quarter 2014 97%

$0k Sydney Melbourne Brisbane Adelaide Canberra Dec 14 Perth Hobart Darwin Sep 14 House price report Median price % change Median price % change Sydney Sydney Melbourne Melbourne Brisbane Brisbane Adelaide Adelaide Perth Perth Canberra Canberra Darwin Darwin Hobart Hobart Quarter on Quarter -5% -5% -3% -3% -1% -1% Houses Houses Houses Year on Year 1% 1% Units Units 3% 5% 3% 5% Units -10% -10% -5% -5% 0% 0% Houses 5% 5% Houses Houses 10% 15% 10% 15% Units Units Units Capital city results Sydney Brisbane § House prices again rose strongly by 4.1 per cent over the December quarter following a 3.5 per cent rise over the previous quarter § The Brisbane median house price rebounded solidly over the December quarter, increasing by 1.5 per cent § Unit prices also rose strongly by 2.9 per cent over the quarter following an increase of 1.4 per cent over September § Brisbane unit prices fell sharply over the quarter, recording a 4.2 per cent decline § Sydney’s median house price is now $873,786 with the median unit price also a record at $597,668 § The Brisbane median house price now stands at $489,681 with units at $357,315 § Annually, house prices have increased by 14.1 per cent with units up by 10.4 per cent § Annual house prices increased by 6.1 per cent while unit prices fell by 3.3 per cent Hobart Darwin § Hobart’s median house price increased by 1.9 per cent over the quarter - the highest result for the year § Darwin’s median house price fell sharply by 6.0 per cent with unit prices also down, falling by 4.3 per cent § Hobart’s median house price increased by 3.0 per cent over the year to $335,880 § Darwin annual house prices have fallen by 6.8 per cent - the only capital to report a fall.


29/01/2015 www.pdf-archive.com

Iowa Determination of Need Final Nov 6 2017 96%

The increase in infections among PWID in Iowa has been noted in those using opioids, and is also tied to an increase in methamphetamine use across the state.


05/01/2018 www.pdf-archive.com

Session8 Acemoglu 96%

An increase in H/L leads to two types of substitutions depending on the type of good produced.


15/12/2017 www.pdf-archive.com

7115 s10 ms 21 96%

to increase market share/increase competitiveness; ... to increase sales;


10/06/2016 www.pdf-archive.com

DA Megabus Case Studyv1-2 95%

Digital-focused since day one, Megabus.com relies on the latest tech and features to continue to grow its customer base, as well as increase brand loyalty.


26/05/2017 www.pdf-archive.com

introduction to chemical engineering ch (8) 95%

An increase in temperature would increase the motion of the molecules, resulting in an increase in the diffusion rate.


21/02/2017 www.pdf-archive.com

Quality of life for whites in the US goes down 95%

reviewed by David Cutler, Jon Skinner, and David Weir) This paper documents a marked increase in the all-cause mortality of middle-aged white non-Hispanic men and women in the United States between 1999 and 2013.


08/01/2016 www.pdf-archive.com

TuitionLetter 95%

15 April 2015  Dr. Kemper and Midwestern University,       As   future  physicians  in  the  Osteopathic  Community,  we  pride  ourselves  on  one  day  becoming  a  part  of  the  healthcare  system  in  America.  The  Osteopathic   Community  prides  itself  on  training  physicians  to   serve  in  the  underserved  populations  primarily   in  the  means  of  Primary  Care  and  Osteopathic  Manipulative  Medicine.  As  a  student  body, complaints will always arise, and most will  come  with  the  questions  of  whether  our  school  is  living  up  to   the  ideals  of  the  osteopathic  community   and   are  we  getting  the  education  we   need  to  best  serve  our  future  patients.  As  Midwestern  University  states in  its  mission  statement,  that  it  strives  to  “Promote  and Maintain the  Osteopathic  Philosophy”,  we  as  a  student  body  write  this  letter  to  ensure  that  the  University  has  not steered off course.    We  understand that your  office does  not  directly  deal  with  tuition or  the finances of the university,   but  we  write this letter to you, as our Dean, Mentor, and Colleague to best represent our voice and  ensure  that  our  questions  are  answered.  We  understand  that  historically  tuition  has  increased   roughly  5%,  since  2002,  and  every  year  students  are  upset and do  not  know  how  to  handle  the  situation.  We   understand that last  year  we  held  a  Town  Hall  Meeting  with Dr. Goeppinger,  which  very  few  students  attended  ­  due  to  this  concern,  we  feel  it  is  best  to  address  our  questions  and  concerns  in   this  manner  instead.  As  a  student  body,  we  collected  all  of  the  information  that  has  been  passed  between  students.  We  collected  every  question  students  may  have  and  also   collected  every  rumor  they  may  have  heard.  Throughout   the  information below,  we  will  highlight  those  rumors  and  we will  also  highlight  out  the  facts  and  the  questions  we  have  about  our tuition  and  the  financial situation of Midwestern University. We have tried to lay everything out as concise  as  possible  ­  we  primarily  hope  for two  things:  An itemized breakdown of the MWU expenses and  where  our  tuition dollars  go. We  would  like  to  hear  from  MWU  with  answers  to  our  questions in 1  month’s time.      The Facts: ​ All resources are provided at the end of this letter.     ­The Mean 2014­2015 COM Tuition and Fees $42,953  ­The Mean 2014­2015 COM Tuition and Fees Increase       3.7%  ­The Mean Private COM Tuition and Fees $45,622  ­The Mean Private COM Tuition and Fees Increase        3.5%    ­The Cost 2014­2015 AZCOM Tuition and Fees $58,630  ­The Cost 2014­2015 CCOM Tuition and Fees $60,446  ­The Cost 2014­2015 MWU Tuition and Fees Increase       5.0%    AZCOM  and  CCOM  are  the   top  1st  and  2nd  in  the  nation  for  tuition.  The  next  school  tuition  is  NYITCOM  at  $53,760  roughly  $5000  less  than AZCOM and $7000 less than CCOM. NYITCOM is  in  the  Heart  of  NYC, NY  ­  currently  the  most  expensive  city  in  the  US.  And  note  that the only For  Profit DO school in the country has tuition set at $48,938.    Last  year  at  the  Town Hall  Meeting we were told our tuition was higher because our tuition was all  inclusive  and other  programs  had  more out of pocket fees by their students. Things we pay for out  of   pocket:  Health  Insurance,  Room  &  Board,  Board   Examination  Review  material,  Clickers  for  Mandatory  Attendance,  all  Books,  Anatomy  Dissection  Kits,  Anatomy   Lab Gloves,  Anatomy  Lab  apron,   Micro  Lab  Apron,  White  Coat  embroidery,  Ipad/Computer,  On  campus club  membership,  Vaccinations,  Annual  Flu  shots,  Stethoscopes,  Otoscopes,  Ophthalmoscopes,  Reflex  hammer,  Eye  chart,  Blood  Pressure  Cuff,  Licensure  Exams  2­5  totally  between  $3000­$7000,  Conference  Travel, etc..     Things  other  schools get that we do not: (all results collected from published minutes on AACOM’s  website  of  university  representatives  ­  out  of  36  COMs).  17  schools   give  their  students  free  vaccines,  17  schools  provide  health  insurance  in  their  tuitions,  20  schools  have access to a 24/hr   library,  29  schools have all electronic/computer/tablet exams, 17 schools have doctoral graduation   bonnets/tudor caps at graduation and not the traditional MortarBoard Undergraduation caps, Video  Recording  ­  CCOM  remains   to  be  one  of  4  schools  in  the  Country   without  Video  Recording,  AZCOM  had  to  abstain  from  that  vote  seeing  as  only  part  of  the  curriculum  is  recorded  while the  rest of the schools have full video recording.     The  other  comment  we  heard  from  last year  is that  it  is  not  fair  to  assess  tuition  rates  due  to  the  lack  of  equality  in living  expenses  and the urban landscape of each school. To better assess this ­  another  individual  survey  was  collected  from  35  of  the   36  schools.  The  data  that  was  collected  was  the  average  amount  taken  out  by  a  student  in  federal  loans,  to  be  fully  supported  on  federal  aid.  To  throw  out  all  outliers,  only  single,  non  married  students  were  asked  who  did  not have any  children.  For  example,  our  tuition  is  $58K  ­  when  we  apply   for  loans  it  gives  a  maximum  award  based  on  living  expenses  in  the  area,  extra  fees,   living/personal  expenses,  etc  ­  AZCOM’s  average  is  between  $85­$90K.  This  amount  is  a   better  comparator  between  schools  when  it  comes  to  true  loan  debt  ­  an  MWU  student  will  leave  school  with $360,000 in debt assuming they  have  to  take  out  roughly  $90K  in  debt  each  year.  The  survey  results  ­  these  are  rough  estimates  from collection of students at each of the schools:     ­Average COM Yearly fees $67,340  ­Median & Mode $70,000  ­ Low & High ($41,000 & $90,000)  ­Standard Deviation $14,000  ­95% Confidence Interval ($53,160 & $81,530)    Which  means  both  AZCOM  and  MWU  are  two  of  the  three  schools  outside  the  95%  confidence  interval  for  yearly  fees.  After  next  year’s  Tuition  increase,  the  school   will  now  collect  an  extra  $2.7M from AZCOM students and $2.8M from CCOM students.     As  students,  we do  understand  the  value  of  good  education  and  we understand that with a tuition  raise   we  should  expect  increased  benefits  and  increased  educational  opportunities.


13/05/2015 www.pdf-archive.com

The Coasting Manifesto 95%

Focus on a predetermined amount of time and increase the steady rate of speed over future sessions.


05/11/2015 www.pdf-archive.com

The Coasting Manifesto 95%

Focus on a predetermined amount of time and increase the steady rate of speed over future sessions.


04/05/2018 www.pdf-archive.com

the economics of postal services - NERA- 07-2004 94%

• • • Economies of scale relate to what happens to unit costs when traffic and size of network increase in the same proportion.


31/12/2015 www.pdf-archive.com

Wing Optimization (1) 94%

This will ultimately increase our flight time, which is something important when we are delivering packages.


18/10/2018 www.pdf-archive.com

howtomakeitems 94%

Increase your item’s grade using these items:


01/03/2017 www.pdf-archive.com

The Coasting Manifesto 94%

Focus on a predetermined amount of time (such as 10 minute sessions) and increase the steady rate of speed over future sessions.


19/12/2014 www.pdf-archive.com

The Coasting Manifesto 94%

Focus on a predetermined amount of time (such as 10 minute sessions) and increase the steady rate of speed over future sessions.


18/12/2014 www.pdf-archive.com

IJEART03512 94%

Such soils need addition of some strengthening elements to increase the strength and to reduce the compressibility of weak soil.


10/09/2017 www.pdf-archive.com


INTERACTIVE WEBINAR STUDY GUIDE      PRESENTS  “328% Sales Increase in 90 Days” (Without Spending a Dime on Advertising) _______________________________________________ Discover How To Quickly and Permanently Hardwire a Proven  Profit‐Performance System Into Your Agency DNA                          SPECIAL PRESENTER  BRANDON SCOTT MINOR CCHC, CHRS, CPMC, CRMC, CWCA, CWCC, MCCH         Copyright 2016 Team Minor L.L.C All rights reserved                      “328% Sales Increase in 90 Days w/o Advertising”    INTERACTIVE WEBINAR STUDY GUIDE            Congratulations on your investment in this webinar!  Over the next 60 mins, you will be taking  your agency to an all‐new level by instituting our Proven Profit‐Performance System –                 a safe, common sense approach to unleash agency profitability.    QUESTION:  WHAT DO YOU HOPE TO GET OUT OF THIS WEBINAR?    _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________      CONSIDER YOUR AGENCY WISH‐LIST?    WHAT CHANGES AND SHIFTS WOULD YOU LIKE TO SEE IN YOUR AGENCY?    i.e. ‐  I would like to find a way to say good‐bye to failed producer investments, low client  retention, ineffective teams, and continual day‐to‐day issues.  _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________    Copyright 2016 Team Minor L.L.C All rights reserved                      “328% Sales Increase in 90 Days w/o Advertising”    INTERACTIVE WEBINAR STUDY GUIDE    DEATH SPIRAL 328% CASE STUDY CLIENT RETENTION SKYROCKET SALES DEATH SPIRAL THE AGENCY DEATH SPIRAL 13 YEARS Major catastrophes 20% 13 YEARS 2012 2007 2008 2009 13 YEARS OF STRAIGHT PROFITABILITY WITH ONLY 20% INCREASE IN NET PREMIUMS PROFIT 2003 2005 Financial Meltdown CLIENT RETENTION SKYROCKET SALES Major catastrophes DEATH SPIRAL 20% PROFIT Soft Market 2003 13 YEARS 2012 Financial Meltdown 2007 2008 2009 CLIENT RETENTION SKYROCKET SALES Major catastrophes 20% PROFIT Soft Market 2003 2005 2012 Financial Meltdown 2007 2008 2009 13 YEARS OF STRAIGHT PROFITABILITY WITH ONLY 20% INCREASE IN NET PREMIUMS 2016 Best Review/Preview 2003‐2015 Burand & Associates State of the Industry 2015 National Alliance Research Academy © 2016 TEAMMINOR, LLC 328% CASE STUDY THE AGENCY DEATH SPIRAL 2005 13 YEARS OF STRAIGHT PROFITABILITY WITH ONLY 20% INCREASE IN NET PREMIUMS 2016 Best Review/Preview 2003‐2015 Burand & Associates State of the Industry 2015 National Alliance Research Academy HOW WE MASSIVELY INCREASED SALES AN INCREDIBLE 328% IN 90 DAYS 328% CASE STUDY THE AGENCY DEATH SPIRAL 2016 Soft Market Best Review/Preview 2003‐2015 Burand & Associates State of the Industry 2015 National Alliance Research Academy HOW WE MASSIVELY INCREASED SALES AN INCREDIBLE 328% IN 90 DAYS © 2016 TEAMMINOR, LLC HOW WE MASSIVELY INCREASED SALES AN INCREDIBLE 328% IN 90 DAYS   © 2016 TEAMMINOR, LLC   AGENCY DEATH SPIRAL NOTES  _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________  “When agency principals proactively manage producers, the  agency grows faster, makes more money, and incurs less  employee related headaches.”     Chris Burand  _____________________________________________________________________________  _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________    ARE YOU STARTING TO DISCOVER THE VALUE OF CHANGING MODELS TO ORGANIC GROWTH?    Copyright 2016 Team Minor L.L.C All rights reserved                      “328% Sales Increase in 90 Days w/o Advertising”    INTERACTIVE WEBINAR STUDY GUIDE      DEATH SPIRAL 328% CASE STUDY CLIENT RETENTION SKYROCKET SALES THE AGENCY DEATH SPIRAL       “In business and in life, if you can anticipate what is coming, you can overcome any obstacle  placed in your path.  Being able to expect problems puts you in a place of power.  From this  vantage point, you can create the solutions and action plans that will drive you forward, rather  than reacting and getting stuck or hung up on common issues.”  Tony Robbins    QUESTION:  ARE YOU ABSOLUTELY CERTAIN YOUR AGENCY CAN MAINTAIN GROWTH                      AND PROFITABILITY AS THE MARKET CHANGES?     YES/NO  HOW WE MASSIVELY INCREASED SALES AN INCREDIBLE 328% IN 90 DAYS © 2016 TEAMMINOR, LLC “The out‐of‐pocket costs of producer turnover is a 1:1 ratio at their salary level.  A $50,000‐a‐year  producer costs on average $50,000 to replace.  Half of those costs being hard costs (running  ads/interviews…again), the other half being soft costs (lost productivity/sales).”   Don Phin      HOW MANY UNDER‐PERFORMING PRODUCERS HAVE YOU LET GO IN THE PAST THREE YEARS?    ________________________________ ESTIMATED COSTS $__________________________  ________________________________ ESTIMATED COSTS $__________________________  ________________________________ ESTIMATED COSTS $__________________________               TOTAL COSTS $__________________________    MOST PRODUCERS ARE ___________ AND UNDER‐___________ WHICH IS A HUGE   DRAIN ON YOUR AGENCY _______ FLOW AND _________.    Copyright 2016 Team Minor L.L.C All rights reserved                      “328% Sales Increase in 90 Days w/o Advertising”    INTERACTIVE WEBINAR STUDY GUIDE      NOTES…  _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________ _____________________________________________________________________________    THE RESOUNDING REASON FOR CLIENTS LEAVING AN AGENCY WAS THAT  AGENCY __________ WAS NOT GOOD ENOUGH TO JUSTIFY PAYING ________.    IIABA Future One Survey        THE SEVEN REPORTS YOU SHOULD PULL:    1.


03/10/2016 www.pdf-archive.com

official street fighter® v season 2 94%

 Changed animation recovery on whiff from 29F to 32F  Increase V-Gauge accrual from 25 to 50 when successful Hadoken:


20/12/2016 www.pdf-archive.com

2281 w13 qp 12 94%

A an increase in the number of close substitutes for the product B an increase in the proportion of firms working at full capacity C a reduction in the time taken to make the product D a reduction in the time that the product can be stored © UCLES 2013 2281/12/O/N/13 [Turn over 4 8 Developers want to increase the size of a major retail shopping area in a city.


14/06/2016 www.pdf-archive.com

obesity 94%

Prof Keith M Godfrey, University of Southampton and MRC Lifecourse Epidemiology Unit, University Hospital Southampton, Tremona Road, Southampton SO16 6YD, UK kmg@mrc.soton.ac.uk 54 in Jerusalem showed that increased maternal pre-pregnancy BMI was associated with increased offspring BMI at age 30 years (an increase of 1·8 kg/m² in offspring BMI per increase of one SD in maternal pre-pregnancy BMI).


26/05/2017 www.pdf-archive.com