Archive for the ‘Uncategorized’ category

Silver Jewelry – A Must for Your Next Occasion

January 16th, 2017

How often have you browsed through an e-catalog of sterling jewelry diamond jewelry and said, “I wish I could have them all.” Several women love to show off the elegance of such jewels, be it bracelets, earrings, studs, rings, pendants or necklaces.

Jewelry made from silver and integrated with diamonds are high quality and gives off a pleasant shine to make them as valuable as they are. They have the desired qualities of being smooth and delicate and are resistant to wear and tear.

Personal Appeal of Sterling Silver

After years of making its occurrence in the world, sterling silver has maintained its position of uniqueness. It provides a different style statement to make women swoon at its amazing qualities.

The charm of silver is increased when the diamonds become the center of attraction. Oh yes, wherever they are sold, the diamond jewelry pieces will make you look bright and gorgeous.

Evaluating the Quality of Silver Jewelry

Silver jewelry, with an exquisite and glossy finish, features a stamp on them. The stamp is a certainty of the quality of these pieces. There are two symbols on the stamp, the first symbol shows the amount of silver in the jewelry piece and the second symbol is the word “silver” or simply “s”. Sterling silver jewels can be as beauty with high quality.

What and when to wear?

Sterling jewelry with diamonds and gemstones are found in the market. A variety of jewelry pieces like earrings, bracelets and brooches are up for grabs at affordable prices. They are perfect for special occasions and daily wear. There are several kinds of vintage rings, cuff links, tie clips and antique rings to select from. Sterling silver can be easily matched semi-precious and precious diamonds and gemstones alike.

Ideal as Gifts

Along with being ideal for everyday wear and special occasions, Authentic silver is perfect for gifting purposes as well. For example, you can have the name of the recipient inscribed into the base of the chain, bracelet or pendant.

Always in Style

Sterling silver is always in style and demand. One of the ideal features of authentic silver is its natural beauty and brilliance. Genuine silver jewelry with diamonds is something you can choose at a blink of an eye.

Conclusion

Most women looking for something exquisite and different prefer sterling silver jewelry. If you are one of them, look no further for the best accessory that compliments your personality.

Tips For Getting The Most Beneficial Seo Providers

January 14th, 2017

Currently there are a massive need of SEO throughout the world. The basic fact is that search engine ranking is becoming the most influential online marketing tool most recently. It’s the mixture of two major methods known as as On-Page Optimization and also Off-Page Optimization. Typically you get better search engine ranking positions, site presence, efficiency, as well as identity by affordable On Page Optimisation methods i.e. keyword and key phrase positioning, keyword phrase density, Meta tags, internet site navigation, site maps, title, content and articles, and also image optimization.

Additionally you will generate your enhanced sales volume and income via a lot of important backlink building processes i.e. directory submission, forums postings, blogs posting, blogs commenting, article submitting, social networking submission, PR submitting, and also authority links. Should you be in the hunt for an affordable but competent Search engine optimization provider, then you definately have to do a smart research on Most effective Search engine optimization on the web in an attempt to accomplish your needs in time.

Hold a good grip of Website seo key phrases in your exploration for finding the best SEO Service provider on the net. Enhance your self analyzing on SEO online because it could take you to figure out the complete scenario of search engine optimization in order to find the perfect Web optimization Firm online. Check out most recent books, articles, reports, and also hot stories on Google SEO on the net because they would allow you to employ the most beneficial seo companies experts on the internet.

Stay consistent, sharp and also agile as you are finding the best seo services company on the internet. You should not slow down whatsoever because if you get relaxed on your research you will loose the best Website seo agency for certain. Always look for inexpensive SEO deals on the internet as it’s your utmost right and responsibility to obtain low-cost SEO Services from any high quality seo service on the web.

Asking over the folks regarding inexpensive yet professional seo companies is undoubtedly a good idea, as they can simply guide you in a great manner. Always go with that SEO service provider having the top rank on the search engines. Doing a visit to market could also assist you to get your most ideal search engine optimization company.

Using Advertising Flags to Increase Your Sales

January 13th, 2017

If you are going to establish a new business, know that it is not going to be an easy job. Starting a business is not about setting up a new office. As a matter of fact, the most difficult part of running a new business is getting it promoted the right way. Nowadays, you can use advertising flags for the promotion of your products and services. You can find a lot of promotional tools in the here and now. As far as choosing marketing tools is concerned, you have a lot of things to choose from. One way is to use advertising flags. Let us know more.

Advertising flags

Since technology has introduced so many ways of promoting products and services, the conventional methods have experienced a drop in popularity. They have not lost their usefulness but new methods have rose in popularity with the passage of time. Flags for advertising were used in the past and they are still very effective.

If you have made your mind to make use of this marketing tool for your business, we suggest that you learn to use them well. Given below are some tips that may help you.

Offer discounts

You can make your customers glad by offering special discounts. And for this purpose, this tool can work in an effective manner. All you have to do is put these flags on the sales counter or other areas of your office or store. The thing is that you have to place them somewhere where they can catch the eyes of the visitors.

New products or services

Another way to use them is to put them outside your physical store like the car roofs, hotels, shopping malls, busy streets and restaurants, just to name a few. if you have a new product or service to promote or you want to give a huge discount, this marketing tool can help you a lot. Just put them somewhere where you know that a lot of people see them.

Online business

The use of advertising flags is not limited to new launches and deals. You can also use them for improving your web presence, and endorsing different contests, just to name a few.

Trade shows and exhibitions

If you are going to take part in a big exhibition or show, you may be excited to see a huge audience. You may want to let the people know about your presence or participation in the event. If your prospective customers don’t know about you, they are not going to get in touch with you. Therefore, what you need to do is make them aware of your presence in an easy way. And one way of doing so is to use a promotional flag. All you have to do is put them up at the right place so that others could see it.

Lawsuit Anatomy

January 13th, 2017

Anatomy of a Lawsuit

Learning the anatomy of civil lawsuits is as easy as spelling “CAT”.

Complaint – Answer – Trial

It’s as simple as that!

Master this simple truth and you will soon be operating successfully in court.

Plaintiffs file complaints.

Defendants file answers.

Judges examine the facts and law at trial to decide who wins.

It’s not difficult if you keep these three steps in mind.

Every lawsuit has this same fundamental anatomy.

Complaint. Answer. Trial.

If you can spell “CAT”, you can master the basics.

C = Complaint … Where the case begins, when the plaintiff complains.

A = Answer … Where the defendant responds to the plaintiff’s complaint.

T = Trial … Where the judge (or jury) decides the final verdict.

After the plaintiff files his complaint, the defendant may file a flurry of motions that seek to have the complaint stricken or dismissed so he need not answer.

If the flurry of motions fails, the defendant must answer the complaint.

Once the defendant is compelled to answer the complaint (and sometimes before) both parties are permitted to engage in discovery of evidence procedures, i.e., to demand production of documents and things, to require the other side to admit facts and law under oath, to ask relevant questions of anyone, to put evidence on the public record, and to attempt to settle the case and avoid the expense, delay, and uncertainty of going to trial.

If the parties cannot settle their dispute during the discovery phase, the court must examine the evidence, hear testimony, consider arguments of law, and render its final judgment.

It’s just that simple.

By knowing this, you can write a powerful complaint or avoid filing an answer by moving the court to dismiss or strike the complaint or require a confusing or poorly worded complaint to be re-written. You can get the evidence you need with effective discovery tools, getting facts into evidence,demanding your rights, and forcing the court to do what’s right … according to law.

The anatomy of a lawsuit is no more complicated than this. CAT. By knowing the basics you strengthen your case.

Resolve conflicts peaceably, according to the rules that control both judges and lawyers in our courts.

How Do You Express Gratitude to Your Animals?

January 12th, 2017

Do you ever take the time to tell your animals how much you appreciate them?

There are many ways to let them know how you feel.

They do understand everything you say because they are all telepathic.

Remember… even something an animal does that might seem annoying has one or more gifts within it that we can appreciate.

ALL ANIMALS:

  • I’m so grateful that you’re here in my life.
  • I love to look at you and watch the way you move.
  • I love your eyes and the way you look at me.
  • When I look in your eyes, my heart opens.
  • You are so beautiful to me.
  • Your body is so perfect for you; it is the Divine expression of your Soul.
  • You are so special to me.
  • You teach me so many wonderful things.
  • Thank you for your wisdom, your kindness, your energy, and your very presence
  • When you don’t feel well or are grumpy, I appreciate the honesty of how you communicate that to me.
  • Thank you for helping me to learn to communicate with you telepathically.
  • Even when I don’t fully get or understand your message, you generously keep on trying to teach me.
  • You have such a generous and noble heart that I’m learning to be more open-hearted just by being with you.
  • You make me laugh, and that is so wonderful and healing.
  • I love you whether you are happy, sad, mad, or scared, and I’ll do all I can to protect you, care for you, and keep you safe.
  • You are precious to me, and I’m so grateful that you are here with me. Thank you.

CATS:

  • I love your gorgeous toes, powerful claws, your soft fur, your elegant tail.
  • It makes me smile and feel good inside.when I watch you play.
  • I love when you give me whisker-kisses, when you knead your paws on my body, and the sound of your healing purr.
  • Thank you for using the litter box on a regular basis and for letting me know when something is wrong.
  • Thank you for catching mice and for letting them know that they need to move out of the house.
  • I am grateful to you for showing me your excellent hunting skills and for keeping the mouse out of my bed while you play with it.
  • Thank you for jumping into closets and drawers to show me things that need to be sorted and reorganized.
  • I appreciate your independent nature that mixes so beautifully with you expressions of love.
  • I’m so glad you’re here with me. Thank you.

DOGS:

  • I love your beautiful body, your soft fur, and the way you look at me with adoration.
  • I’m so happy when you jump in my lap or cuddle up with me in bed or on the floor.
  • I so appreciate it when you come when I call you.
  • Thank you so much for letting me know when you need to go out to relieve yourself.
  • Thank you for barking to let me know that someone has arrived or that you need me to pay attention to something.
  • The sound of your bark is music to my ears.
  • You have been an excellent partner for showing and other competitions. Even when we don’t win 1st place, I appreciate the effort you make to please me.
  • I’m so glad you’re here with me. Thank you.

BIRDS:

  • I love your beautiful feathers, your beak, and legs, your talons, and especially your wings.
  • You are so beautiful to me that I want to hug you whenever I see you. Since I cannot hug you as strongly as I want to, I send you energy hugs of love and joy.
  • Thank you for your affectionate kisses.
  • It makes me feel so good every time I hear you sing with your lovely voice.
  • Thank you especially for giving up a life of free-flight to be here with me, living in a cage indoors. What generosity! You are teaching me just by being here, and I am so grateful.
  • I’m so glad you’re here with me. Thank you.

FISH:

  • I love to watch you swim in your fish tank. It gives me a sense of peace that is very precious to me and that helps me cope with challenges in my life.
  • You are so beautiful. The way you move through the water is an elegant dance that fascinates me and takes me away from the busy life I lead.
  • Your colors are perfect for you and bring me great pleasure.
  • I’m so glad you’re here with me.
  • I am grateful to you for being willing to live in a fish tank that’s much smaller than the wild world from which you came. Your generosity amazes me. Thank you.

HORSES:

  • You are amazing! Thank you for your enormous generosity and willingness to carry me on your back, even when you may be tired or in pain.
  • Thank you for allowing me to sit in your heart chakra where you can feel all that is going on inside my body and my emotions, and for serving me in this special way that only a horse can do.
  • Thank you for allowing your free spirit to be harnessed by humans so I can have the pleasure of your company.
  • I appreciate all the efforts you make to take care of me when I drive or ride you.
  • Thank you for letting me know when something frightens you or when you don’t want to be schooled or ridden or participate in a competition.
  • Thank you for always doing the very best you can even when I wish you could do better.
  • I am so grateful to you for being with me. Your presence fills my heart with joy and love even when all I can do is groom you and look at you with adoration.
  • I love so much to see you run with your mane and tail flying and the joy on your face when you buck and spin and express your freedom.
  • Your sense of humor doesn’t always match mine. Still, I love that you have the ability to laugh and to make me laugh.
  • Thank you so much for being in my life, for all that you teach me, and for putting up with inexpert riding skills.
  • Riding you makes me feel united with the universe, and for that I can never thank you enough.

AN INVITATION:

There are so many different species who live with humans these days.

You might have pet reptiles, such as snakes or iguana, or a pet tarantula, or bunnies. There’s a long list of possibilities.

What do you tell them of your appreciation?

To share, please comment on this post. There are probably some very individual things your animals do for which you are grateful, and I’d love to read about them.

Cosmetic Medicines Ordering, Storage, Supply and Incident Reporting

January 12th, 2017

This article gives an overview of the systems and processes that must be followed by cosmetic clinics when supplying prescription medicines.

A prescription medicine or drug legally requires a qualified doctor, dentist, nurse or pharmacist to write a prescription for a named patient. The list of drugs and prescribing qualifications may vary in different countries.

A cosmetic clinic must ensure that all medicines are ordered, stored and supplied within the legislative and other relevant pharmaceutical guidelines available.

Therefore ordering, storage and supply of medicines for use within the practice must be undertaken according to appropriate procedures and guidelines to ensure all relevant legislation and pharmaceutical information is adhered to.

Any medicines stored within a typical cosmetic clinic are those used for aesthetic purposes, this includes drugs such as Botox ® and Hyaluronidase. These must be stored according to manufacturer’s guidelines in a locked refrigerator or locked cabinet as appropriate. The temperature of the refrigerator should be monitored and documented daily. If the temperature is found to be outside the recommended range the pharmacy supplier must be informed as soon as possible and if necessary the medicines are returned to the supplier and a new supply obtained.

Supply of Medicines and Maintaining Patient Records for Cosmetic Clinics

The Medical Practitioner is responsible for maintaining a record of medicines obtained from the supplier for use during treatment. A copy of the prescription is retained in the patient’s notes and the following information is noted in the Medicines IN register. The Medical practitioner must include the following details:

– the name of the medicine (generic)

– the dose provided by the pharmacy

– the amount provided by the pharmacy

– the format of the medicine (oral I IM etc)

– the batch numbers and expiry dates

The Medical Practitioner is responsible for ensuring that details of the medicines administered are recorded in the patient notes, including:

– the name of the medicine (generic)

– the dose provided

– the route of administration

– the batch number and expiry date of the medicine

– the date and time of administration

The Medical Practitioner must also document in the Medicines OUT register the name of the patient the medicine was administered to and the date and time of administration. This will ensure an audit trail is available for each practitioner.

All medicines not used or expired must be returned to the pharmacy.

In conclusion only a medical professional should be accepted on a cosmetic training course. This will ensure all practitioners have experience with the use of prescription only medicines and record keeping. The medical practitioner who facilitates a cosmetic intervention should be a qualified doctor, dentist, nurse or pharmacist. These specialists have the prerequisite medical experience plus understand their legal and ethical requirements in prescribing, dispensing and administration of such drugs.

Any errors with the medication must be recorded and reported.

Reporting a Medication Incident

A cosmetic clinic must ensure that all medication incidents follow local legislative and other guidelines for your country of practice. The following is based on the UK CQC guidelines.

All practitioners involved with medication prescribing, dispensing or administration must be aware of the procedures to be followed in the event of a medication error or near miss.

Medication errors or near misses will occur despite having risk procedures in place, and all personnel involved in medication prescribing, dispensing or administration are at risk of being involved an error or a near miss. Because of this, comprehensive reporting of all medication incidents is crucial to enable the organization to learn from mistakes and improve practice wherever possible.

All incidents involving medication prescribing, dispensing or administration, ‘near misses’ and serious drug reactions must be documented on the Incident Report Form. A medication error is a preventable incident or omission that results in an increase in the risk of patient harm. A ‘near miss’ is a medication error that is discovered before it reaches the patient, thus preventing harm to the patient.

What to Report

The following are some of the issues that require an incident report:

– incorrect dose administered (both over and under dosing)

– incorrect route of administration

– incorrect rate of administration

– incorrect drug administered

– administration to the wrong patient

– failure to document administration in the patient’s medical notes

– administration of an expired drug

– prescribing errors

– incorrect labels

– allergies not recorded

– serious adverse effects including allergic reactions

Near Misses will also be recorded on the Incident Report form.

How to Report Medication errors

Medication errors involving administration to a patient will be documented in the patient’s notes. The Medical Practitioner should inform the patient.

The incident should be documented fully before the end of the day. This report form must be completed by the Medical Practitioner and given to the Practice Manager without delay.

Follow Up Procedures for Medication Errors

A follow-up is undertaken by the Medical Practitioner to ensure the safety of the patient. If necessary the patient must be referred to the nearest Emergency department for further review. The Practice Manager must undertake an investigation into the event ensuring a statement is taken from those involved.

The incident must be discussed at the next Clinical Governance meeting and an action plan developed to aim to prevent recurrence; this may include further training for the personnel involved.

Any severe medication incident must be reported to the within 24 hours of it occurring.

I hope you enjoyed the article. For more information about medicines and their regulations you can check with the Department of Health and MRHA in the UK. In the USA please refer to The Food and Drug Administration (FDA).

Trasylol Lawyer and Trasylol Attorney – Trasylol Side Effects and CABG Information

January 11th, 2017

Trasylol is a drug that is used to prevent blood loss in patients who have had various types of cardiac procedures such as cardiac bypass surgery and coronary artery bypass graft surgery (CABG). Unfortunately, many have had complications from this drug, which is recently coming under heavy investigation. The drug maker Bayer Pharmaceuticals is facing heavy scrutiny as reports have shown that the use of this drug can increase heart attacks by 48 percent.

In addition to an increase in heart attacks, a current study of 4,400 patients has shown cases of heart failure increasing by 109% and stroke increases of 181%. Due to these statistics the FDA has issued an advisory for the drug regarding its safety. Doctors have also been contacted and urged to warn patients of the potential side effects from using Trasylol.

Medical experts are now in search for alternative treatments for Trasylol. They are searching for other drugs that will not cause these potentially life-threatening complications such as heart attack, stroke and kidney failure. Currently there are around 10,000 people who have experienced kidney failure and currently receive dialysis. There are currently two drugs that should perform the same way as Trasylol without the debilitating side effects. Unfortunately, Bayer Pharmaceuticals is refusing to acknowledge claims that their drug has caused any significant harm. They are arguing that tests conducted by the New England Journal of Medicine were performed wrong.

If you or someone you love has developed kidney failure, suffered a stroke or heart attack or experienced any other negative side effects from using Trasylol, you may be entitled to compensation. It is very important that you act quickly and find an experienced Trasylol lawyer today to help you receive the compensation you deserve.

Know More About Personal Loans

January 10th, 2017

Planning to get your house renovated but do not have the sufficient amount of money to do it? With the concept of personal loans, you do not need to worry about this anymore. Personal loans are offered by the banks which enable you to use the amount for personal use – like for paying off an immediate debt or for clearing an unforeseen expense.

Though the concept seems to be very lucrative, getting one approved is not an easy task. In order to be able to qualify for getting such a loan, certain strict norms have to be followed. Thus, if you are planning to apply for one, there are certain points which should be kept in mind.

These loans are not secured: This type of loan does not require any asset to be kept as a mortgage to the bank. However, if one fails to repay the loan the bank has the right to seize any asset be it your property, house or car. However, in most cases, if the defaulter does not have any asset to give in lieu of the loan it becomes very difficult for the bank to get back the money. This is one of the major reasons as for why it is difficult to get a personal loan approved. In such a situation, the bank can file a legal suit against your name to carry out the legal proceedings.

They have a fixed amount: The amount of a personal loan depends entirely on the borrower’s income and also on the lender’s discretion. It is based on the borrower’s credit score. A credit score is a measure to get an idea of one’s income which enables the lender to decide upon the amount to be given as a loan. Some of the banks have limited the amount they offer as a personal loan.

The rate of interest is fixed: The interest rate is decided based on the borrower’s credit score. In an ideal situation, the interest rate should be less which would enable you to repay a loan at a much lower cost. The most important fact about personal loans is that the rate of interest remains fixed during the entire tenure the loan. However, some banks offer loans at variable interest also, which makes it difficult for the borrower to repay it.

One must always try getting the loan from a bank in which he has an account. This is because it would be much easier to get the loan approved. One must also be careful while applying for one as there are many scams which keep taking place. One must also explain the bank about his/her need for money, in case they can offer something much better.

Luxury Car Conversions: What The Whole Fuss Is

January 9th, 2017

Having a personal car has been the matter of the status from the years and is expected to continue for many more years to come. The status of a person increases more in the society as soon as he drives a new car at his doorstep, and if the car is luxurious then undoubtedly the eyes of his neighbors stare at his place. This is mainly because the price tag of which the luxury cars are priced in international market. But having a luxury car is not the bag of everyone’s shoulder and therefore lots of the car lovers across the world have to sacrifice their desire of driving a luxurious car throughout their life and have to compromise the affordable car according to their budget for drive.

But, now all this is going to be the tale of yester years as now there are various options by which these cars owners can convert their existing car into a brand new luxurious car of their choice. Recognized as luxury car conversions this trend in recent years has flourished at jet dynamic speed across the world facilitating the regular car customize their car with the features that are offered in any of the luxurious cars being sold across the world. As the general practice is refers to the third-party customization which are not offered by the original manufacturer of that vehicle but customized on the demand of the car owners according to his requirement. In simple words, it may defined as the process where in the noticeable features of some standard car are converted in resemblance to some luxurious car.

An interesting feature of getting the car conversions is that along with integration of luxurious specifications it also helps in enhancing the comfort seating experience of the persons travelling in it. The conversion also impacts the functionality of machinery installed inside the bonnet and helps in offering superior performance of the car similar as offered by its original version. It would be interested to know that till few years this type of conversion was considered as an expensive investment pulling the car owners towards additional financial burden. But interestingly with entrance of different suppliers of the part of car conversions now days different types of kits are available in market which facilitate the car owners to convert their in accordance to their preference at their own end.

The commonly preferred cars that are converted into luxurious cars are Jaguar, Land Rover, Aston Martin, Ferrari, Lamborghini, Bentley, and The Vault.

An interesting feature of getting the car conversion is that the countries where the car enthusiasts get their converted into new avatar is that this conversion is strictly done according to the norms applicable in that country. For instance in the country where cars with left hand drive are preferred then in such country the conversion will be applied only with left hand drive to comply strictly according to its transportation law. Similarly in the countries where there is condition of political and social unrest the cars will be equipped with all saving standards that will protect the passengers from any type of bullet attack.

One more thing which needs to be specified about car conversions is that along with integration of luxurious features appropriate attention is paid towards the overall outlook of the car whether it is on its exterior or interior. This includes placement of lighting, plastic cladding, roof rails etc on the exterior front.

Common Benefits Received From Workers’ Compensation

January 9th, 2017

It is common for people who are injured on the job to collect workers’ compensation benefits. The amount of compensation and degree of benefits received by injured workers largely depends on the extent of their injuries or damages. Damages can include but are not limited to pain, suffering, prolonged rehabilitation or illness, diminished quality of life, lost wages, medical expenses, hospital bills, mental trauma, PTSD, and much more.

It is wise to hire a personal injury attorney that specializes in workers’ compensation law to recover the full and fair recompense deserved. Continue reading to learn what type of benefits to expect, or that is possible, to receive after being injured while on the clock.

Workers’ Compensation Benefits

Not all workers’ compensation claims are for physical injuries. Although most involve some sort of bodily harm, mental anguish or trauma can be just as damaging. Sometimes, personal injury cases can involve sexual harassment, discrimination, assault or battery, contracting a work-related illness or disease, experiencing an armed robbery, and more. Either way, the common coverages and benefits received from workers’ compensation claims are as follows:

Paid Hospital Bills, Medical Expenses, Physical Therapy, Medical and Vocational Rehabilitation, Doctor Visits, Counseling, Prescriptions, Etc.

Paid Weekly Earnings for Time Off Work Longer than One Week (2/3 of Average Weekly Pay-400 Week Maximum)

Benefits for Dependents in the Case of a Wrongful Death at Work

Punitive Damages in Cases of Malicious Intent or Blatant Disregard

Compensation for Excessive Pain, Suffering, Loss of Companionship, Mental Anguish, Post Traumatic Stress Disorder, Diminished Quality of Life, Etc.

Travel Expenses (If Applicable)

There are several other types of benefits available to those injured on the job, however, they vary depending on the company’s policies, insurance coverage, the extent of injury, and much more. It is strongly encouraged to discuss your recent work injury with a licensed Indianapolis workers’ compensation lawyer for accurate case assessment and legal guidance. They retain the proper resources, experience, and knowledge to navigate your workers’ compensation claim.

In order to recover the full and fair remuneration deserved to an injured victim and their family, a personal injury lawyer is the path to take. Be sure your personal injury law firm employs attorneys with extensive trial and litigation experience in workers’ compensation cases. This will further ensure you are choosing a lawyer that can successfully navigate your claim and have a better chance of recovering for your damages and losses.