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How to write a summary on a book report

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book report shiloh Book Report by Dave, age 13, New Jersey USA. Shiloh is a touching story about a young dog who gets. beaten and how to on a a boy who finds him and cares for him. National Bird Of India Peacock! Shiloh is Judd Traver's dog who is greatly mistreated by him. Marty is the boy who is heroic enough to save Shiloh. Marty changes a lot during the how to write a summary book story mostly by resume his. responsibility. At the beginning, he didn't do much or want. to do much. At the end, he experienced taking care of Shiloh. and working for him. Marty is a lot like people now and a lot. unlike people now.

He is similar to people now because he. cares for animals. People today have groups or companies. that help lost or abused dogs. Marty is how to on a book report, unlike people today. because he cares a lot about essay, dogs and some people mistreat. dogs just like Judd did to Shiloh. Shiloh's main idea is to teach people to never give up on write a summary book report what. you want, no matter how hard it may seem. Marty did this. by continuously working to get Shiloh and he finally got him. at the end of the book. At first, Marty started by collecting. cans to earn some money.

By the essay on literacy narrative end, he made a deal with. Judd to work for a summary on a, 20 hours to get Shiloh. In real life, people. must do this everyday to achieve their goals or to get what. they want. Shiloh is not very suspenseful, but held my interest. just fine. This book had many main events continuously and you. knew that Marty was going to get Shiloh. Topics Media! At times it seemed. bleak for Shiloh and Marty, but they pulled through together.

Marty and Shiloh have many close calls, either someone finding. out about Marty hiding Shiloh, or finding out how to write a summary on a book report that Marty has. I really enjoyed this book. I like it because the essay author makes. you feel happy, sad, mad, and a summary on a report makes you laugh and want to cry. The best part is essay media, when Marty works to get Shiloh back and. does later in the book. He worked so hard for Shiloh and. deserved him.

The worst part is when the other dog attacked Shiloh. I recommend this book to how to on a, anyone who likes dogs. This book. kept me on the edge of my seat while I was reading. I liked. how the author wrote in the way people would think. Playwright! This is. an important book because it teaches people about how animals. need a chance and that if an animal or someone is being hurt, then you should do something to stop it. I think the author could have been a little clearer about Shiloh's. past, although I did get it, other people might not. I don't think. animals should be abused because every living thing has a right. to be respected because everything on Earth has a reason for living.

Book Report by April, age 13, Alberta Canada. I absolutely love the Santa Paws books! I own all five. of them and write book report every time a new one comes out I buy it. right away! Santa Paws is a very touching story because. we found a homeless dog and we took him in also. Then. again, Sneakers, (our Border Collie) doesn't do amazing. things like save families from burning buildings, but we. love him no matter what he does. Nicholas Edwards is. an amazing author and I hope to see more Santa Paws. Book Report by Jessica, age 14, England. I love this book.

It makes you feel like you are that little. puppy who lost his mother and its brothers and sisters. and is searching for someone to love him. Then he. started to do these good deeds around the town and. everyone who heard of this brave puppy loved him. and in the end he got a family that loved and cared. Evolution Essay! Book Report by Anonymous, Age 13. Write A Summary Book! Billy lives on a farm. He wants two good coonhounds. very badly, but his Papa cannot afford any. Billy works. hard, selling fruit and bait to fishermen, so eventually he. has enough money for resume, the dogs. He gives the money to. his grandfather, who orders the dogs for him. Billy sneaks. Book! off in the middle of the the notebook essay night to go to town and pick them up. While in town, other children pick on him, but he stands. up for himself and is helped by the Marshal.

On his way. home, he and his two pups sleep in a cave. Outside, they. hear a mountain lion, and the pups bravely howl back. He. decides to name them Old Dan and write a summary book report Little Ann. Essay Media! He can see. Write On A Book Report! that Old Dan is very brave, and that Little Ann is very smart. Once home, he wants to begin training them. He has to have. a raccoon hide to train them with. His grandfather shows him. a way to set a trap that will catch even a clever coon. Just. Resume! when he is about to give up on the traps, he catches a coon. The next day he begins to train Old Dan and Little Ann.

By the. time racoon season starts in how to write book report, the fall, they are ready. Playwright Resume! On the. first night, his dogs tree a coon in the biggest tree imaginable. Billy immediately sees that it will take days to cut down. He. is determined to cut it down, because he told his dogs that if. they could tree a coon he would take care of the rest. His. dogs are counting on him. His parents bring him food.

His. Write A Summary On A Book Report! grandfather shows him how to make a scarecrow, to keep. the coon in the tree so he can go home and eat dinner. When. the national of india essay big sycamore finally falls and his dogs catch the how to write a summary on a book coon, Billy goes coon hunting almost every night. His father. relieves him of his chores, and psychoanalytic criticism Billy gives him the money. from his coonskins. Sometimes, coons try to trick his dogs, and Old Dan gets into trouble. One night, Dan gets stuck in. How To Write! a muskrat hole. Another night, he climbs a tree. Little Ann. is usually too smart to get into trouble, but one night, after. the first snowfall, she falls through the ice on the river. Billy barely rescues her. Billy's grandfather enters Billy in a coon-hunting contest. He, his grandfather, and his father take a buggy to the. contest.

It is filled with adult coon hunters with expensive. gear and beautiful hounds. Somehow, Little Ann wins the. beauty contest on essay topics media the first day. The other coon hunters. are very kind to Billy. Billy and write a summary his dogs qualify for the. championship round. While Billy, his papa, his grandfather, and a judge are out hunting with coons, a winter blizzard. begins. They lose track of the dogs, and Billy's grandfather. falls and badly sprains his ankle. They stop and build a fire. as day begins to break. Soon enough, they find the dogs, covered with ice. They have gotten just enough coons to win.

Everyone at the tournament cheers. Billy has also won a. Topics Media! jackpot of how to on a book report, 300 dollars. Billy's mama and sisters are overjoyed. Billy keeps. up his hunting. One night, however, his dogs tree a. Peacock Essay! mountain lion. Old Dan howls defiantly, and the big. cat attacks. Write Book Report! Billy is horrified, and with his axe he. enters the the notebook analysis fray, hoping to save his dogs, but they end. up having to save him. Eventually, the on a dogs defeat. the mountain lion, but Old Dan is badly wounded. He. dies the national bird peacock essay next day. Billy is heartbroken, but Little Ann is. so sad that she loses her will to live, and dies a few days. later.

Billy's papa tries to report, tell him that it is all for the best, because with the money Billy has earned, the family. hopes to essay topics, move to town. Billy does not completely recover. On A Report! until on the day of the move; he goes to analysis essay, visit the dogs' graves and finds a giant red fern. According to Indian legend, only an angel can plant a red fern. Book Report! Billy and evolution of dogs essay his family look at. the fern in awe, and he feels ready to leave for the town. Book Report by Brandi, age 13, Canada, AB.

I have read this book and I am looking forward. to how to write on a book report, reading the whole series! Anyone who reads. this book will be truly touched like I was! It is very sad what animals have been going. through especially Santa Paws/Nick! Santa Paws. is a hero in Oceanport and he always will be! He. is lucky to be known as a hero but the lucky ones. are the people that have encountered him and have. been saved by his efforts!

Including the time he. rescued a drowning boy, found a blind girls wallet, found a homeless family a home (which he needed), and of course helped a family escape from their burning. home! The ending like a fairy tale, you can. guess what that means! Yes, it's a happily ever after, I like those endings! Anyone who can read English. should go out and buy it or go to the library and national bird of india rent it. or one of the series and READ IT! I highly recommend. Write Report! it for everybody and everyone!

Book Report by Amanda, age 8, California USA. I like this book because it is essay, very cute, I love to. read it every day because it is on a book, a lot like my dog. I like to read it to my friend Bryanna. Psychoanalytic Of Darkness! My dog likes. Book Report by Liz, age 9, New Jersey USA. This is the story of a dog that comes to stay at write a summary on a report, King Street. Kennels. Neil finds that she has been trained expertly!

Jessie. is her name. Soon, the kids discover a secret about Jessie's. owner. Criticism Heart! I think this is a very good book, and everyone should read it. Because of Winn Dixie. Book Report by Jenni, age 12, Illinois USA. This is a great book about how to write on a book, a girl who has just moved to a new. town in Florida. She has no friends until she meets Winn Dixie, a dog she finds in the supermarket. With Winn Dixie as her new. friend, she meets all sorts of people. Winn Dixie is such a good. dog that he even gets to go to church.

One day the girl has a party. and during a thunderstorm, Winn Dixie gets lost. Essay On Literacy Narrative! Will she find her. best friend? This book has a funny ending and I am sure that once. you read this book, you will love it. by Sheila Burnford. A Summary On A Book Report! Book Report by Alina, age 13, Arizona USA. This was a pretty good book.

It was about three house pets- a Siamese cat, a Labrador, and a bull terrier. This book was. about a man who got three pets from on literacy, people who didn't had. enough money or had to move somewhere and were not. How To Write Report! allowed to take with them their pets. Then the man goes on. vacation and asks if his neighbor would pet sit the house pets. When the neighbor arrives, she finds out of dogs that the animals have. escaped through the gate and into the wild. The three pets. soon get separated and reunited in the wild. They always meet. all kinds of creatures and people. They always heading west. and west they always land in how to a summary report, DANGER.

Will they ever find. home to their loved ones. Psychoanalytic Of Darkness Essay! Book Report by Laura, age 14, California USA. It is about what to expect from a dog. I learned a lot. about dogs and games to how to write on a book, with my dog. Scooby - Doo and the Groovy Ghost. by of dogs James Gelsey. Book Report by Stephanie, Age 7, Utah, USA.

Scooby-Doo and his friends were trying to save the old Palace Theater. There was a big guitar playing ghost haunting the theater. Write Book! The ghost. wanted everyone out! It is up to Shaggy and Scooby to find who is. behind that blue ghost mask. by Joan Hiatt Harlow.

Book Report by Stephanie, Age 7, Utah, USA. This book is about Maggie and her dog, Sirius. Maggie's dog is in. Evolution Of Dogs! danger. The people in the town have outlawed all non-sheepherding. Write Book! dogs. There is another problem. Maggie's cousin is sick. I recommend. this book to kids who like action packed dog stories. by Meindert DeJong. Book Report by Stephanie, Age 7, Utah USA. Jon and essay Vestri are spending their summer with their Grandma and Grandpa. They all went to a summary on a, get a puppy. They couldn't decide so they took home. all three puppies.

They had trouble taking care of all those puppies. My favorite part was when Grandpa and kids took the puppies fishing. Chicken Soup For The Pet Lovers Soul. Book Report by Json, age 14, West Virginia USA. I loved this book so much because it teaches you about the good times, bad times, and sad times about dogs. Some stories make you cry. Other. make you laugh! All the stories are true and are unique in their own way! I recommend this book to all you PET lovers, not just dog lovers. Peacock Essay! Book Report by Kelly, age 8, Tennessee USA.

I liked it because it tells step by step how to train your dog. It even works. A Summary On A Report! if you do it right. It worked for me. I recommend that you read Dog Tricks. Don't forget to topics, buy treats! by Phyllis Reynolds Naylor. Book Report by a summary on a book report Andy, age 10, Indiana USA. I liked this book because I like Beagles. I have a neighbor who abuses. his Beagle like Judd treats Shiloh. And I would like to buy her. The Dog Who Rescues Cats: The True Story of Ginny. by Philip Gonzalez. Book Report by essay narrative Mary, Age 8. It's about a man who works as a construction worker and has an accident.

One of how to write report, his machines take his arm off and his friend, Sheila, thinks he. Essay Topics! should get a dog and he does and how to write on a book report later he finds out his dog likes to save cats. How To Take Care of Your Pet. Book Report by Jennifer, Age 10, New Jersey USA. The book was a big help and I told my mother all about how we should. treat our dog and the things we should do for her and what to feed her. and when. I liked the book because I did not know some of the things I. Psychoanalytic Heart Of Darkness! WatchDog and how to write a summary report the Coyotes , by Bill Wallace.

Book Report by Jocelyn, age 12, Ontario, Canada, I read a book called 'Watchdog and the Coyotes'. The author is Bill Wallace. The book is of dogs, about a dog named Sweetie. How To A Summary On A Report! He is too nice to bark or bite. Burglars were breaking into playwright resume, his owner's house. Then these mean coyotes were. coming and eating all Sweetie's food. One day he got mad and scared them away. for write a summary report, good. After that, any burglars that came around got scared away. It was my. Book Report by Jocelyn, age 12, Ontario, Canada, I liked the book because it tells how to train your dog and and gives lots of. information about making your dog a professional hunting dog. Book Report by evolution of dogs essay Stephanie, age 7, Virginia USA.

One day a dog was walking with his owner when a dog said, You are fat! . The two dogs got into a fight and the owners said Stop that, this instant! . So they did what they were told to do. The end. Strider, by Beverly Cleary. Book Report by Maria, age 8, Pennsylvania USA. How To Write A Summary Report! I like the book Strider. It is about a dog who learns to read.

Lad: A Dog by Albert Payson Terhune. Book Report by Kiri, age 11, Massachusetts USA. I'm writing about Lad: A Dog. I think this book is a great book!! It's true. and that's what makes it so fantastic. There are many stories in here, but I'm. Essay On Literacy! not gonna tell you anything-so you have to read it yourself to find out how. Shiloh Season by how to write a summary on a book Phyllis Reynolds Naylor. Analysis Essay! Book Report by Joey, Age 12, Missouri USA.

In the sequel to Shiloh, Marty still has Shiloh and Judd is drinking because. On A Report! he gave Shiloh to Marty. Marty has 3 wishes, and one of them is to love him. always. Dara Lynn got bit by one of Judd's dogs and then Judd had a wreck and. broke his legs. Marty's dad took him food. National Bird! To find out more please read the a summary on a book. Shiloh Season by Phyllis Reynolds Naylor. Essay Topics Media! Book Report by Floyd, Age 11, Missouri USA. How To Write On A Book Report! When the of dogs essay story started, everybody was talking about how Marty got Shiloh. from Judd. Judd was mean and a drunk. Marty had a friend name David and he. spent the night at David's house.

In the middle of the night, David put on write a. scary mask and playwright resume scared Marty. That was my favorite part of the story. Judd was. in write on a report, a wreck and broke his legs. The town helped him by feeding his dogs and. bringing him food. Marty decided to write Judd a letter and at essay, the end of the. story . (Oops! You'll have to read what happens yourself!). The Sneezing Dog, by Enid Blyton. Book Report by how to write a summary book Si Qi, age 10, Singapore.

This book is about a dog which always sneezes and disturbs his owner. Analysis Essay! So one day, his owner left him on how to write on a book report the roadside and never ever cared about him. anymore. But a little boy saw the dog and adopted him as a pet. A Dog's Secret Life. Book Report by essay Gizmo, Age 13, Mississippi USA. In 'A Dog's Secret Life', a lady goes undercover to see a dog's real life!

She will show you what dogs think, how they feel, what they go through, and much more. How To On A Book! When you realize how much dogs go through, you'll just. about die. I cried a whole lot. The Invisible Dog. Analysis! Book Report by Greg, Age 8, Oregon USA. The Invisible Dog is a really great book. I am sure you will love it.

I did. Ribsy, by Beverly Cleary. Book Report by Tyler, Age 9, Colorado, USA. My book report is about Ribsy, by Beverly Cleary. It is about a dog who. gets lost, and it all starts with a flea. The flea had been making Ribsy itch. under his collar, so his owner, Henry, takes the collar off. Next thing you know. Well don't ask me what happens.

I loved it. I've read it several times. To find out. How To Write On A! what happens after the collar comes off, read the the notebook essay book! How To Train Your Dog. Book Report by RUDY, Age 11, Ohio USA. Hi! I have read a book called How To Train Your Dog and it tells this really. Write! neat stuff about how to make your dog sit, lay down, roll over, fetch, and. stuff like that.

Maybe you should try reading that. The Trouble With Tuck, by Theodore Taylor. Book Report by evolution essay Melissa, Age 11, Georgia USA. I read a book about a dog named Friar Tuck III. It was about a dog that was. slowly becoming blind and how to write a summary on a book report his owner was determined she could do something. about it. Well, she got a guide dog for him, and that's how she saved her dog from. being put to sleep because he was blind. It's a great book called The Trouble With. Jump to form below. Eyewitness Book of Dogs. by Juliete Lutton-Broc k. Random House 1991.

Book Report by Matthew, Age 9, California USA. This book has a lot of dog facts. One of the facts is that dogs have. a strong sense of smell. I found another interesting fact about a dog's eyes. Inside a dog's upper and lower eyelid there is essay topics, a third eyelid which protects. Book! My favorite part is the facts about wolves. I used a lot of evolution essay, facts from the how to write a summary report book. when I wrote my wolf book report.

I recommend this book for kids. ages 6-18 years old. I give this book a rating of 6 out of evolution of dogs essay, 6 stars. The Puppy Who Wanted A Boy. Book Report by Abigail, Age 7, Connecticut USA. The puppy searched for a boy.

And then he found a boy!! Where the on a Red Fern Grows. by psychoanalytic heart essay Wilson Rawls. Book Report by Alex, 5th grade, California USA. Billy was setting up camp in how to on a book report, a cave on the way home from town. He started. to build a fire to eat with his pups. When he went to sleep, he woke up because a. mountain lion screamed. Then he went back to sleep. Evolution Of Dogs! When he got home, he told his family everything. He trained his dogs night and day.

And when. the big hunting day opened, Billy was ready. by Reynolds Naylor. Book Report by Jennifer, 5th grade, California USA. The book I read was a real interesting one. It was about a dog who had. an a summary on a owner abuse him. The dog wanders over to where a boy named Marty lives. Marty gets attached to the dog and when the analysis dog's owner asks the boy if. he's seen his dog, Marty says no. Marty keeps Shiloh in a pen as a secret until his mom finds out. Then a German Shepherd tears Shiloh up and he has to go to the doctor.

Judd Travers finds out and wants his dog back by Sunday. Write A Summary Book Report! When Sunday comes around, Marty is going to tell Judd that he's not. going to psychoanalytic essay, give Shiloh back. How To Write A Summary On A! On his way to Judd's house, Marty sees Judd shoot. a doe in the forest. Because the analysis essay deer is shot out of season, they make a bargain. How To A Summary Report! The boy will work twenty hours for essay, Judd. Then Judd will give Shiloh to Marty, by Beverly Cleary. How To Write On A Report! Book Report by Sara, 5th grade, California.

The book was about evolution essay, Leigh finding a dog on book report the beach. When he found him, he was with Barry, so they decide to both have joint custody of the dog. They decide to name the dog Strider. Barry and Leigh got in a fight soon. after they found Strider. Barry ended up having full custody of Strider.

When they made up, they both had joint custody of Strider again until Barry. decided to give him to Leigh because he bothered Barry's pet cats too much. So in essay media, the end. (sorry, you'll have to read the how to write on a book end yourself!) See it posted on this page! Want to tell us about. a good dog book you have read? Then fill out the form below. Evolution Essay! It's easy! Hey, kids! Join Cody's Book Club today! How To Love Your Dog.

A Kid's Guide to Dog Care. Copyright 1998 - 2011 by Janet Wall and Rick Wall. May be reproduced for individual or classroom use only. Photographs, graphics, and backgrounds may not. be reproduced to other websites or for any other purpose.

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How to Write a Bibliography Ė Examples in MLA Style. Please note, all entries should be typed double-spaced. In order to keep this Web page short,single rather than double space is used here. See Bibliography Sample Page for a properly double-spaced Bibliography or Works Cited sample page. How To Report. Examples cited on national of india essay, this page are based on the authoritative publication from MLA. If the example you want is a summary book, not included here, please consult the MLA Handbook, or ask the writer to look it up for you. Format for entries: A single space is used after any punctuation mark. When dividing a long word or URL onto two lines, put hyphen, slash, or period at the end of the line.

Do not add a hyphen to a URL that was not originally there. Never begin a new line with a punctuation mark. Double-space all lines in a bibliography entry. Do not indent the the notebook essay first line of a bibliography entry, indent second and subsequent lines 5 spaces, or 1/2? (1.25 cm) from the left margin. Please see Chapter 11. Guidelines on How to Write a Bibliography for details. When writing a bibliography, remember that the purpose is to communicate to the reader, in a standardized manner, the sources that you have used in how to write a summary on a book, sufficient detail to evolution, be identified. If you are unable to find all the necessary information, just cite what you can find. Click here to see a selection of on a, Common Abbreviations used in documentation. For a complete list of Common Scholarly Abbreviations used in parentheses, tables, and documentation, please go to Section 7.4 of the 6th edition of the MLA Handbook.

Bell, Stewart. The Martyrís Oath: The Apprenticeship of a Homegrown Terrorist . Mississauga, ON: Wiley, 2005. Biale, David, ed. Cultures of the Jews: A New History . National Bird Peacock Essay. New York: Schocken, 2002. Bowker, Michael. Fatal Deception: The Untold Story of Asbestos: Why It Is Still Legal. and Still Killing Us . N.p.: Rodale, 2003. N.p. = No place of publication indicated. Capodiferro, Alessandra, ed. Wonders of the World: Masterpieces of Architecture from.

4000 BC to the Present . Vercelli: White Star, 2004. Cross, Charles R. Room Full of Mirrors: A Biography of Jimi Hendrix . New York: Maltin, Leonard, ed. Movie Video Guide 2002 Edition . New York: New American, 2001. Meidenbauer, Jorg, ed. Discoveries and Inventions: From Prehistoric to Modern Times . Lisse: Rebo, 2004. Puzo, Mario.

The Family: A Novel . Completed by Carol Gino. New York: Harper, 2001. Rowling, J.K. Write A Summary Report. Harry Potter and analysis essay the Chamber of Secrets . New York: Scholastic, 1999. ó. Harry Potter and the Prisoner of Azkaban . How To Write A Summary On A Book. Thorndike, ME: Thorndike, 2000. Suskind, Ron. Playwright Resume. The Price of Loyalty: George W. How To On A. Bush, the White House, and the Education of. Paul OíNeill . New York: Simon, 2004. If your citation is from one volume of a multivolume work and each volume has its own title, you need cite only the essay actual volume you have used without reference to other volumes in on a report, the work. Example: The Bourgeois Experience: Victoria to Freud comes in 5 volumes, written by Peter Gay. (Title of Vol.

1: Education of the Senses ) Gay, Peter. Analysis Essay. Education of the Senses . New York: Norton, 1999. (Title of Vol. 2: The Tender Passion) Gay, Peter. The Tender Passion . New York: Oxford UP, 1986. (Title of Vol. 3: The Cultivation of how to on a report, Hatred ) Gay, Peter. The Cultivation of Hatred . London: Harper, 1994.

(Title of Vol. 4: The Naked Heart ) Gay, Peter. The Naked Heart . New York: Norton, 1995. (Title of playwright, Vol. 5: Pleasure Wars ) Gay, Peter. How To Book Report. Pleasure Wars . New York: Norton, 1998. 2. Book with two authors or editors: Bohlman, Herbert M., and Mary Jane Dundas. The Legal, Ethical and essay topics International.

Environment of Business . 5th ed. How To Write Book. Cincinnati, OH: West, 2002. Bolman, Lee G., and Terrence E. Deal. Leading with Soul: An Uncommon Journey. of Spirit . Rev. ed. San Francisco: Jossey-Bass, 2001. Calvesi, Maurizio, and Lorenzo Canova, eds.

Rejoice! 700 Years of Art for the Papal. Jubilee . Playwright. New York: Rizzoli, 1999. Cohen, Andrew, and J.L. Granatstein, eds. Trudeauís Shadow: The Life and Legacy. of Pierre Elliott Trudeau . Toronto: Random, 1998. Heath, Joseph, and Andrew Potter. The Rebel Sell: Why the Culture Canít Be Jammed . 2nd ed. Toronto: Harper, 2005.

Llewellyn, Marc, and Lee Mylne. Frommerís Australia 2005 . Hoboken, NJ: Wiley, 2005. Summers, Anthony, and Robbyn Swan. A Summary On A Report. Sinatra: The Life . New York: Knopf, 2005. Book prepared for publication by two editors: Shakespeare, William. The Tragedy of Hamlet, Prince of Denmark . Ed. Barbara A. Mowat and Paul Werstine. New York: Washington. 3. Book with three authors or editors:

Clancy, Tom, Carl Stiner, and Tony Koltz. Shadow Warriors: Inside the Special. Forces . New York: Putnam, 2002. Hewitt, Les, Andrew Hewitt, and Luc díAbadie. The Power of Focus for College. Students . Deerfield Beach, FL: Health Communications, 2005. Larsson, Mans O., Alexander Z. Playwright. Speier, and Jennifer R. How To A Summary Book. Weiss, eds. Letís Go: Germany 1998 . New York: St. Martinís, 1998.

Palmer, R.R., Joel Colton, and Lloyd Kramer. A History of the playwright resume Modern World: To 1815 . 9th ed. New York: Knopf, 2002. Suzuki, David, Amanda McConnell, and Maria DeCambra. The Sacred Balance: A Visual Celebration of Our Place in Nature . Vancouver: Greystone, 2002. 4. Book with more than three authors or editors: You have a choice of listing all of the authors or editors in the order as they appear on the title page of the book, or use ďet al.Ē from the Latin et alii, or et aliae , meaning ďand othersĒ after the first author or editor named. Nelson, Miriam E., Kristin R. Baker, Ronenn Roubenoff, and Lawrence Lindner. Strong Women and Men Beat Arthritis . New York: Perigee, 2003. Nelson, Miriam E., et al.

Strong Women and Men Beat Arthritis . New York: Hogan, David J., et al., eds. The Holocaust Chronicle: A History in Words and Pictures . Lincolnwood, IL: International, 2000. Pound, Richard W., Richard Dionne, Jay Myers, and James Musson, eds. Canadian. Facts and Dates . 3rd ed.

Markham, ON: Fitzhenry, 2005. Pound, Richard W., et al., eds. Canadian Facts and Dates . 3rd ed. Markham, ON: Rogerson, Holly Deemer, et al. Words for Students of English: A Vocabulary. Series for write a summary on a, ESL . Vol. 6. Advanced Level ESL.

Pittsburgh, PA: U of Pittsburgh P, 1989. 5. Book with compilers, or compilers and editors: McClay, John B., and Wendy L. Evolution. Matthews, comps. and eds. Corpus Juris Humorous: A Compilation of Outrageous, Unusual, Infamous and Witty Judicial Opinions. from 1256 A.D. to the Present . How To Book. New York: Barnes, 1994. OíReilly, James, Larry Habegger, and Sean OíReilly, comps. and eds.

Danger: True Stories of Trouble and Survival . San Francisco: Travellersí Tales, 1999. Teresa, Mother. The Joy in Loving: A Guide to Daily Living with Mother Teresa . Comp. Jaya Chaliha and Edward Le Joly. New York: Viking, 1997.

Note abbreviation: comp. = compiler or compiled by. 6. Book with no author or editor stated: Macleanís Canadaís Century: An Illustrated History of the People and topics media Events. That Shaped Our Identity . Toronto: Key, 1999. Microsoft PowerPoint Version 2002 Step by Step . Redmond, WA: Perspection, 2001. The Movie Book . London: Phaidon, 1999.

With Scott to the Pole: The Terra Nova Expedition 1910-1913 . Photographs of. Herbert Ponting. A Summary On A Book. New York: BCL, 2004. 7. Book with one author, translated by another: Muller, Melissa. Anne Frank: The Biography . Trans. Rita and Robert Kimber.

New York: Metropolitan, 1998. 8. Work in resume, an anthology, a collection by several authors, with one or more editors and/or compilers: Fox, Charles James. ďLiberty Is Order, Liberty Is Strength.Ē What Is a Man? 3,000 Years of Wisdom on the Art of Manly Virtue. Ed. Report. Waller R. Newell. New York: Harper, 2001. 306-7. Wilcox, Robert K. ďFlying Blind.Ē Danger: True Stories of Trouble and Survival . Comp. and ed. James OíReilly, Larry Habegger, and Sean OíReilly. San Francisco: Travellersí Tales, 1999.

211-22. 9. Article in an encyclopedia with no author stated: ďNazi Party.Ē New Encyclopaedia Britannica . 1997 ed. ďTajikistan.Ē World Book Encyclopedia of People and Places . 2000 ed. 10. Article in an encyclopedia with an essay narrative author: If the how to write a summary on a book encyclopedia is essay, well known and articles are arranged alphabetically, it is not necessary to indicate the volume and page numbers. If the encyclopedia is not well known, you must give full publication information including author, title of article, title of encyclopedia, name of how to a summary on a book, editor or edition, number of evolution of dogs essay, volumes in the set, place of how to write a summary report, publication, publisher and year of publication. Kibby, Michael W. ďDyslexia.Ē World Book Encyclopedia . 2000 ed. Midge, T. ďPowwows.Ē Encyclopedia of North American Indians . Ed. D.L.

Birchfield. 11 vols. New York: Cavendish, 1997. 11. Article in a magazine, journal, periodical, newsletter, or newspaper with no author stated: ď100 Years of Dust and Glory.Ē Popular Mechanics Sept. 2001: 70-75. ďCelestica to Repair Palm Handhelds.Ē Globe and bird of india Mail [Toronto] 29 Oct. 2002: B6. ďE-Money Slips Quietly into Oblivion.Ē Nikkei Weekly [Tokyo] 22 Jan. 2001: 4. ďMcDonaldís Declines to Fund Obesity Education on Danger of Eating Its Food.Ē

National Post [Toronto] 18 Apr. 2006: FP18. ďPot Use Doubled in Decade, Study Says: 14% Smoked Up in the Past Year.Ē Toronto Star. 25 Nov. 2004: A18.

ďSecondhand Smoke Reduces Kidsí IQs.Ē Buffalo News 23 Jan. 2005: I6. 12. Article in a magazine, journal, periodical, newsletter, or newspaper with one or more authors: Use ď+Ē for pages that are not consecutive. Example: When numbering pages, use ď38-45Ē if page numbers are consecutive. Use ďA1+Ē if article begins on page A1, contains more than one page, but paging is not consecutive. How To A Summary On A Book. For page numbers consisting of more than 3 digits, use short version if it is clear to the reader, e.g. 220-268 may be written as 220-68, but 349-560 must be written in full. Note also that there is no period after the month. The period in ďMar.Ē is for the abbreviation of March.

If there are 4 or less letters in the month, e.g. May, June, and July, the months are not abbreviated. If the on literacy publication date is July 18, 2005, citation will be 18 July 2005. Where a journal or magazine is a weekly publication, ďdate, month, yearĒ are required. Where a journal or magazine is a monthly publication, only ďmonth, yearĒ are needed. Where a newspaper title does not indicate the location of publication, add the city of publication between square brackets, e.g. Write On A. Daily Telegraph [London]. Square brackets are used to enclose a word (or words) not found in the original but has been added by you. An article in a scholarly journal is playwright, treated somewhat differently: Nielsen, Laura Beth. ďSubtle, Pervasive, Harmful: Racist and Sexist Remarks in.

Public as Hate Speech.Ē Journal of report, Social Issues 58.2 (2002): 265. The above citation shows: Authorís name, Article title, Name of scholarly journal (underlined), Volume number, Issue number, Year of criticism of darkness, publication (in parentheses), and Page number. If the article is accessed online, add Access date and URL at the end, see 23. How To A Summary Book. Internet citations, or citing electronic sources (e). Bogomolny, Laura. ďBoss Your Career.Ē Canadian Business 13-16 Mar. 2006: 47-49.

Cave, Andrew. Playwright. ďMicrosoft and Sun Settle Java Battle.Ē Daily Telegraph [London] Cohen, Stephen S., and write a summary book report J. Essay On Literacy. Bradford DeLong. ďShaken and Stirred.Ē Atlantic Monthly. Jan.-Feb. 2005: 112+. Coleman, Isobel. ďWomen, Islam, and on a the New Iraq.Ē Foreign Affairs Jan.-Feb. 2006: 24+. Daly, Rita. ďBird Flu Targeting the Young.Ē Toronto Star 11 Mar. The Notebook Analysis Essay. 2006: A1+.

Dareini, Ali Akbar. ďIranian President Defends Countryís Nuclear Ambitions.Ē Buffalo News. Hewitt, Ben. ďQuick Fixes for Everyday Disasters.Ē Popular Mechanics Nov. 2004: 83-88. Johnson, Linda A. ďFight Flu with Good, Old Advice from Mom.Ē Buffalo News. 10 Oct. 2004: A1-2. Mather, Victoria. ďIn Tiger Country.Ē Photos by James Merrell. Town Country Travel. Fall 2004: 102-111. Mohanty, Subhanjoy, and Ray Jayawardhana. Write On A. ďThe Mystery of of dogs essay, Brown Dwarf Origins.Ē

Scientific American Jan. 2006: 38-45. Petroski, Henry. ďFraming Hypothesis: A Cautionary Tale.Ē American Scientist Jan.-Feb. Plungis, Jeff, Ed Garsten, and Mark Truby. ďCaremakersí Challenge: Green, Mean. Machines.Ē Detroit News and Free Press Metro ed. 12 Jan.

2003: 1A+. Sachs, Jeffrey D. ďA Practical Plan to End Extreme Poverty.Ē Buffalo News 23 Jan. 2005: I2. Saletan, William. ďJunk-Food Jihad.Ē National Post [Toronto] 18 Apr. 2006: A18. Thomas, Cathy Booth, and Tim Padgett. ďLife Among the Ruins.Ē Time 19 Sept. 2005: 28+. Wolanski, Eric, Robert Richmond, Laurence McCook, and Hugh Sweatman. ďMud, Marine Snow and Coral Reefs.Ē American Scientist Jan.-Feb. 2003: 44-51. Wolanski, Eric, et al. ďMud, Marine Snow and Coral Reefs.Ē American Scientist.

Jan.-Feb. 2003: 44-51. 13. Article from SIRS (Social Issues Resources Series): Suggested citation example from how to write book report SIRS: Bluestone, Barry, and Irving Bluestone. ďWorkers (and Managers) of the World Unite.Ē Technology Review Nov.-Dec. 1992: 30-40.

Reprinted in WORK . (Boca Raton, FL: Social Issues Resource Series, 1992), Article No. 20. Bluestone, Barry, and Irving Bluestone. ďWorkers (and Managers) of the World Unite.Ē Technology Review Nov.-Dec. 1992: 30-40. Work . Ed.

Eleanor Goldstein. Vol. 5. Boca Raton: SIRS, 1992. Art. 20. Put in square brackets [ ] important information you have added that is not found in the source cited. Build-a-Bear. Advertisement.

7 Feb. 2005 GEICO. Advertisement. Newsweek 16 Jan. 2006: 92. IBM. Advertisement. Globe and Mail [Toronto] . National Bird Peacock. 29 Oct. 2002: B7. Toyota. Advertisement.

Atlantic Monthly . Jan.-Feb. 2005: 27-30. 15. Booklet, pamphlet, or brochure with no author stated: Diabetes Care: Blood Glucose Monitoring . How To On A Book Report. Burnaby, BC: LifeScan Canada, 1997. 16. Booklet, pamphlet, or brochure with an playwright author: Zimmer, Henry B. Canplan: Your Canadian Financial Planning Software . How To Write A Summary Book Report. Calgary, AB: May use short forms: Rev. Of India. (Review), Ed. (Edition, Editor, or Edited), Comp. How To On A Book Report. (Compiled, Compiler). Creager, Angela N.H. ďCrystallizing a Life in Science.Ē Rev. of Rosalind Franklin: The.

Dark Lady of DNA , by Brenda Maddox. American Scientist Jan.-Feb. 2003: 64-66. Dillon, Brenda. ďHanaís Suitcase.Ē Rev. of Hanaís Suitcase , by Karen Levine. Professionally Speaking June 2003: 36. Foley, Margaret. ďMeasured Deception.Ē Rev. of The Measure of All Things: The. Seven-Year Odyssey and Hidden Error That Transformed the World, by Ken Alder. Discover Nov. Essay On Literacy. 2002: 77. Groskop, Viv. ďChinese Torture Ė at Five.Ē Rev. of how to write book, The Binding Chair, by Kathryn. Harrison.

International Express 6 June 2000, Canadian ed.: 37. Hoffman, Michael J. ďHuckís Ironic Circle.Ē Rev. of The Adventures of essay narrative, Huckleberry. Finn , by Mark Twain. Modern Critical Interpretations of Mark Twainís. Adventures of Huckleberry Finn, ed. Harold Bloom. New York: Chelsea, Iragui, Vicente.

Rev. of Injured Brains of Medical Minds: Views from Within , comp. and ed. Narinder Kapur. New England Journal of Medicine 26 Feb. 1998: Neier, Aryeh. ďHero.Ē Rev. of Defending Human Rights in Russia: Sergei Kovalyov, Dissident and Human Rights Commissioner, 1969-2003 , by Emma Gilligan. New York Review of Books 13 Jan. 2005: 30-33. Onstad, Katrina. ďA Life of write on a, Pain and Paint.Ē Rev. of Frida , dir. Julie Taymor.

National. Post [Toronto] 1 Nov. 2002: PM1+. Redekop, Magdalene. ďThe Importance of Being Mennonite.Ē Rev. of playwright, A Complicated. Kindness, by Miriam Toews. Literary Review of Canada Oct. 2004: 19-20. Simic, Charles. ďThe Image Hunter.Ē Rev. of Joseph Cornell: Master of Dreams , by.

Diane Waldman. New York Review 24 Oct. 2002: 14+. 18. CD-ROM, DVD: See also 35. Tape Recording: Cassette, Movie/Film on VHS or DVD (Digital Videodisc), Videocassette, Filmstrip. A Place in the Sun . Dir.

George Stevens. 1951. DVD. Paramount, 2001 . Encarta 2004 Reference Library . CD-ROM. Microsoft, 2003 . Encarta 2004 Reference Library Win32 . How To On A Book. Educ. ed. DVD. Microsoft, 2003.

LeBlanc, Susan, and Cameron MacKeen. ďRacism and the Landfill.Ē Chronicle-Herald. 7 Mar. 1992: B1. CD-ROM. SIRS 1993 Ethnic Groups. Vol. 4. Art. Essay. 42. Links 2003: Championship Courses . CD-ROM. Microsoft Game Studios, 2002. Toronto-Central West Edition , 1998. CD-ROM. Montreal: 19. Computer service Ė e.g. How To. BRS, DIALOG, MEAD, etc.: Landler, Mark. ďCan U.S. Companies Even Get a Bonjour?Ē New York Times , Late Ed. Ė Final Ed., 1. 2 Oct. 1995. DIALOG File 472, item 03072065.

When citing a definition from a dictionary, add the abbreviation Def. National Bird. after the word. If the word has several different definitions, state the number and/or letter as indicated in the dictionary. ďMug.Ē Def. 2. A Summary. The New Lexicon Websterís Encyclopedic Dictionary of the. English Language . Canadian ed.

1988. Short forms may be used, e.g. Evolution Of Dogs. dir. (directed by), narr. (narrated by), perf. (performers), prod. (produced by), writ. (written by). A minimal entry should include title, director, distributor, and year of a summary on a, release. May add other information as deemed pertinent between the analysis essay title and the distributor. If citing a particular person involved in the film or movie, begin with name of that person. Charlie and how to write a summary report the Chocolate Factory . Dir. Tim Burton. Based on essay topics media, book by how to a summary, Roald Dahl. Perf. On Literacy Narrative. Johnny Depp. Warner, 2005.

Depp, Johnny, perf. Charlie and the Chocolate Factory . Dir. Tim Burton. Based on book. by Roald Dahl. Warner, 2005. Burton, Tim, dir.

Charlie and the Chocolate Factory . Based on book by Roald Dahl. How To On A Report. Perf. Johnny Depp. Criticism Heart Of Darkness. Warner, 2005. Monster-in-Law . Dir. Robert Luketic. Writ. Anya Kochoff. On A. Prod. Paula Weinstein,

Chris Bender, and J.C. Spink. Perf. Jennifer Lopez and Jane Fonda. New Line, 2005. Nanny McPhee . Playwright Resume. Dir. Kirk Jones. Based on Nurse Matilda Books Writ. Christianna. Brand. Prod.

Lindsay Doran, Tim Bevan, and write on a Eric Fellner. Perf. Emma Thompson, Colin Firth, and Angela Lansbury. Universal, 2005. One Hour Photo . Writ. and dir. Mark Romanek. Prod. Christine Vachon, Pam Koffler, and Stan Wlodkowski. Perf. Robin Williams.

Fox Searchlight, 2002. Titanic . Dir., writ., prod., ed. James Cameron. Prod. Jon Landau. The Notebook Essay. Twentieth. Century Fox and Paramount, 1997. The Tuxedo . Dir. Kevin Donovan. Prod.

John H. Williams, and Adam Schroeder. Perf. Jackie Chan and Jennifer Love Hewitt. DreamWorks, 2002. Cite government document in the following order if no author is stated: 1) Government, 2) Agency, 3) Title of publication , underlined, 4) Place of publication, 5) Publisher, 6) Date. Canada. Minister of Indian Affairs and Northern Development. Gathering Strength:

Canadaís Aboriginal Action Plan . Ottawa: Minister of Public Works and. Government Services Canada, 2000. United States. National Council on Disability. Carrying on the Good Fight Ė Summary Paper from Think Tank 2000 Ė Advancing the write a summary book Civil and national Human. Rights of People with Disabilities from Diverse Cultures . Washington: Note: GPO = Government Printing Office in how to on a book report, Washington, DC which publishes most of the media U.S. federal government documents. In citing a Congressional Record, abbreviate and underline the term, skip all the details and indicate only the how to book date and page numbers. Example Ė for the following record: United States. Analysis Essay. Personal Responsibility and Work Opportunity Reconciliation Act of 1996 . PL 104-193.

Congressional Record. Write. Washington: GPO, July 31, 1996. Cong. Rec . 31 July 1996: 104-193. For examples on how to cite more complicated government documents, please see Section 5.6.21 in MLA Handbook for essay, Writers of Research Papers, 6th ed. 23.

Internet citations, or citing electronic sources: Basic components of an Internet citation: 2) ďTitle of Article, Web page or siteĒ in quotation marks. 3) Title of Magazine, Journal, Newspaper, Newsletter, Book, Encyclopedia, or Project , underlined. 5) Indicate type of material, e.g. advertisement, cartoon, clipart, electronic card, interview, map, online posting, photograph, working paper, etc. How To Write Book. if not obvious. 6) Date of the notebook analysis essay, article, of Web page or site creation, revision, posting, last update, or date last modified. 7) Group, association, name of forum, sponsor responsible for on a, Web page or Web site. 8) Access date (the date you accessed the Web page or site). 9) Complete Uniform Resource Locator (URL) or network address in angle brackets. Note: An exception is made in criticism heart of darkness, referencing a personal e-mail message where an individualís e-mail address is omitted for privacy reasons.

Skip any information that you cannot find anywhere on the Web page or in the Web site, and carry on, e.g. Write A Summary On A Book. if your Internet reference has no author stated, leave out the author and begin your citation with the title. Always put your access date just before the URL which is placed between angle brackets or ďless thanĒ and ďgreater thanĒ signs at the end of the citation. Generally, a minimum of three items are required for an Internet citation: Title, Access Date, and URL. If the URL is too long for of india, a line, divide the address where it creates the how to write a summary book least ambiguity and confusion, e.g. do not divide a domain name and end with a period such as geocities . Do not divide a term in the URL that is made up of combined words e.g. Psychoanalytic Essay. SchoolHouseRock . Never add a hyphen at the end of the how to write report line to indicate syllabical word division unless the essay topics hyphen is actually found in the original URL. How To Write A Summary On A Book. Copy capital letters exactly as they appear, do not change them to lower case letters as they may be case sensitive and be treated differently by criticism heart of darkness, some browsers. Write A Summary On A Book Report. Remember that the of india essay purpose of indicating the a summary on a book report URL is for readers to be able to access the Web page. Accuracy and clarity are essential. a. Internet citation for an advertisement: IBM.

Advertisement. 23 Mar. 2003 TheraTears. Advertisement. Resume. 2003. 8 May 2004 b. Internet citation for how to on a book report, an article from an online database (e.g.

SIRS, eLibrary), study guide, magazine, journal, periodical, newsletter, newspaper, online library subscription database service, or an evolution essay article in PDF with one or more authors stated: Bezlova, Antoaneta. Write A Summary On A Book. ďChina to Formalize One-Child Policy.Ē Asia Times Online . 24 May 2001. 10 Oct. 2005 Clifford, Erin. ďReview of Neuropsychology.Ē SparkNotes . 10 Oct. 2005. Machado, Victoria, and George Kourakos.

IT Offshore Outsourcing Practices in Canada . Topics. Ottawa: Public Policy Forum, 2004. 10 Oct. 2005 Marshall, Leon. ďMandela in a summary report, Retirement: Peacemaker without Rest.Ē 9 Feb. National Of India. 2001. National Geographic 10 Oct. 2005

Thomason, Larisa. ďHTML Tip: Why Valid Code Matters.Ē Webmaster Tips. Newsletter . Dec. 2003. NetMechanic. 10 Oct. 2005

If using an online library subscription database service, add the name of the service, the name of the library or library system, plus the location of the library where the database is on a book, accessed, e.g.: Gearan, Anne. ďJustice Dept: Gun Rights Protected.Ē Washington Post . 8 May 2002. SIRS. Iona Catholic Secondary School, Mississauga, ON. 23 Apr. 2004. Note: 8 May 2002 = date of publication, 23 Apr. 2004 = date of access. Indicate page numbers after publication date if available, e.g. 8 May 2002: 12-14. Leave out page numbers if not indicated in source.

Pahl, Greg. ďHeat Your Home with BiodieselĒ. Mother Earth News . 12 Jan. 2003. eLibrary Canada. Twin Lakes Secondary School, Orillia, ON. 10 Apr. 2006. Note: If citing the topics above source but information is obtained from accessing eLibrary at home, leave out the location of the school. Pahl, Greg. ďHeat Your Home with BiodieselĒ. Write On A Book Report. Mother Earth News . On Literacy Narrative. 12 Jan.

2003. eLibrary Canada. How To Write On A Report. 10 Apr. 2006. c. Internet citation for an article from an online encyclopedia: Duiker, William J. ďHo Chi Minh.Ē Encarta Online Encyclopedia . Essay Narrative. 2005. Microsoft. 10 Oct. 2005. ďHo Chi Minh.Ē Encyclop?dia Britannica . 2005.

Encyclop?dia Britannica Premium Service. 9 Oct. 2005 ďRoyal Shakespeare Company (RSC).Ē Britannica Concise Encyclopedia . 2005. Encyclop?dia Britannica. 8 Oct. 2005 d. Internet citation for an article from an online magazine, journal, periodical, newsletter, or newspaper with no author stated: ďChildcare Industry ĎShould Welcome Mení.Ē BBC News Online: Education .7 June 2003. 10 Oct. 2005 ďTaiwan: A Dragon Economy and the Abacus.Ē BrookesNews.Com . 8 Dec.

2003. 10 Oct. 2005 e. Internet citation for an article in a scholarly journal: Nielsen, Laura Beth. ďSubtle, Pervasive, Harmful: Racist and Sexist Remarks in. Public as Hate Speech.Ē Journal of Social Issues 58.2 (2002), 265-280.

7 June 2003. f. Internet citation for a cartoon, chart, clipart, comics, interview, map, painting, photo, sculpture, sound clip, etc.: ďIslamic State of how to write on a book, Afghanistan: Political Map.Ē Map. Atlapedia Online . 1993-2003. Latimer Clarke. 7 June 2003 Kersten, Rick, and Pete Kersten. ďCongratulations!Ē Electronic card. Blue Mountain Arts . 2000. 7 June 2003

Lee , Lawrence. Interview. . Evolution. Feb. 2003. 10 Oct. 2005. Schulz, Charles. ďPeanuts Collection Ė Snoopy Cuddling Woodstock.Ē Cartoon. . 25 Apr. 2004

ďWoodhull, Victoria C.Ē American History 102 Photo Gallery. Write. 1997. State. Historical Society of Wisconsin. 10 Oct. 2005 g. Internet citation for an e-mail (email) from an individual, a listserve, an organization, or citation for an article forwarded from an online database by e-mail: Barr, Susan I. Psychoanalytic Criticism Heart Of Darkness. ďThe Creatine Quandry.Ē Bicycling Nov. 1998. EBSCOhost Mailer. E-mail to E. Interior.

11 May 2003. Kenrick, John. How To Write Book. ďRe: Link toĒ E-mail to I. Lee. Essay On Literacy. 10 May 2003. ďNEW THIS WEEK for write on a, September 8, 2005.Ē E-mail to author. 8 Sept. Bird Of India Essay. 2005. PicoSearch. ďYour PicoSearch Account is Reindexed.Ē E-mail to John Smith. h. Internet citation for an online government publication: Canada. Office of the Auditor General of Canada and how to write on a report the Treasury Board. Secretariat.

Modernizing Accountability Practices in essay, the Public Sector . 6 Jan. 1998. 10 Oct. 2005 United States. National Archives and Records Administration.

The Bill of Rights . 29 Jan. 1998. 10 Oct. How To Write A Summary Report. 2005 i. The Notebook. Internet citation for an online posting, forum, letter to the editor: Kao, Ivy. ďKeep Spreading the Word.Ē Online posting. 4 June 2003.

Reader Responses, Opinion Journal, Wall Street Journal Editorial Page . 10 Oct. 2005. Seaside Harry . ďMy Friend Drove My Car with the Parking Brake On!Ē Online. posting. 10 Oct. 2005. Forum Index Ė Prius Ė Technical . 10 Oct. 2005 j. Internet citation for an online project, an information database, a personal or professional Web site:

The MAD Scientist Network . 1995-2001 or 30 Feb. How To Write A Summary On A Report. 1906. Washington U. School of Medicine. 10 Oct. 2005. Playwright. OíConnor, J.J., and E.F. Robertson. ďJohn Wilkins.Ē Feb. 2002. U of St. Write On A Book. Andrews,

Scotland. 10 Oct. 2005 Officer, Lawrence H. ďExchange Rate between the United States Dollar and Forty. Other Countries, 1913 -1999.Ē Economic History Services, EH.Net, 2002. 13 Apr. 2006 Savill, R. Analysis. Richard. ďJazz Age Biographies.Ē The Jazz Age Page . 23 Oct. 2000. 12 Apr.

2006 Sullivan, Danny. On A Report. ďSearch Engine Math.Ē 26 Oct. Essay On Literacy. 2001. Search Engine Watch . 10 Apr. How To Write On A Book. 2006 Wurmser, Meyrav, and Yotam Feldner. ďIs Israel Negotiating with the Hamas?Ē Inquiry and Analysis No. 16. Resume. 23 Mar. 1999. How To Write A Summary Report. The Middle East Media and.

Research Institute. 10 Oct. 2005 k. Internet citation for a software download: It is not essential to include the file size. Do so if preferred by your instructor. RAMeSize . Vers. Playwright Resume. 1.04. 15K. 24 Sept. 2000.

Blue Dice Software. 12 Oct. 2004. l. A Summary. Internet citation for a speech taken from a published work with an editor: Lincoln, Abraham. ďThe Gettysburg Address.Ē 19 Nov. 1863. Essay Topics. The Collected Works of.

Abraham Lincoln . Write A Summary Report. Ed. Roy P. Basler. New Brunswick, NJ: Rutgers UP, 1955. Abraham Lincoln Online. 10 Oct.

2005 m. Internet citation for a work translated and edited by another: Augustine, Saint, Bishop of Hippo. Confessions Enchiridion . Trans. and ed. Albert C. Outler. 1955. Dallas, TX: Southern Methodist U. Digitized 1993.

10 Oct. Essay On Literacy. 2005 Blair, Tony. How To Write Book Report. Interview. Prime Ministerís Office. 31 May 2003. 13 Apr. 2006. Chirac, Jacques. Interview. On Literacy. Time 16 Feb. 2003. 10 Oct. 2005. Longin, Hellmut. Telephone interview. 3 May 2006. Neilsen, Jerry. E-mail interview. 28 Apr. 2006. Wyse, Randall. On A. Personal interview. Playwright Resume. 24 July 2005.

State name of speaker, title of how to a summary book report, lecture in quotes, conference, convention or sponsoring organization if known, location, date. Bradley, Vicki. Topics. ďMarriage.Ē Agnes Arnold Hall, U of Houston. 15 Mar. 2003. Wilson-Smith, Anthony. ďHello, He Must Be Going.Ē Editorial. Macleanís 26 Aug. 2002: 4. Lange, Rick. ďU.N. Has Become Ineffective and Ought to Be Disbanded.Ē Letter. Buffalo.

News 23 Jan. 2005: I5. Woods, Brede M. Letter. Newsweek 23 Sept. 2002: 16. Kolbert, Elizabeth. ďSix Billion Short: How Will the Mayor Make Ends Meet?Ē Letter. New Yorker 13 Jan. 2003: 33-37. Geens, Jennifer. A Summary Book. Reply to letter of Bill Clark.

Toronto Star 29 Sept. 2002: A1. A letter you received from national bird John Smith: Smith, John. How To A Summary On A. Letter to the author. Psychoanalytic Criticism Of Darkness. 15 June 2005. Twain, Mark. ďBanned in a summary on a book, Concord.Ē Letter to national bird essay, Charles L. Webster. 18 Mar.

1885. Letter 850318 of Mark Twain . Ed. Jim Zwick. 2005. 10 Oct. 2005. Treat citation as if it is a book with no author stated. Indicate if the citation is for a chart or a map.

2004 Andex Chart . Chart. Windsor, ON: Andex, 2004. Canada . Map. Ottawa: Canadian Geographic, 2003. ďDallas TX.Ē Map. 2005 Road Atlas: USA, Canada, Mexico . Greenville, SC: Michelin, 2005. Components: 1) Name of composer. How To Book. 2) Title of ballet, music or opera, underlined, 3) Form, number and key not underlined. Beethoven, Ludwig van. Fur Elise. Strauss, Richard.

Traumerei , op. National. 9, no. 4. Components for book, a published score, similar to a book citation: 1) Name of composer. 2) Underline title of ballet, music, opera, as well as no. and evolution of dogs op., important words capitalized, prepositions and conjunctions in write a summary, lower case. 3) Date composition written.

4) Place of publication: 5) Publisher, 6) Date of publication. Chopin, Frederic. Mazurka Op. 7, No. 1 . New York: Fischer, 1918. Ledbetter, Huddie, and John Lomax. Goodnight, Irene . 1936. New York: Spencer, 1950. Stier, Walter C. Sweet Bye and Bye . London: Paxton, 1953. Weber, Carl Maria von. Invitation to the Dance Op.

65 . 1819. London: Harris, 1933. 29. Topics Media. Painting, photograph, sculpture, architecture, or other art form. Components for citing original artwork: 1) Name of artist. How To On A Report. 2) Title of topics media, artwork, underlined. 3) Date artwork created.

4) Museum, gallery, or collection where artwork is housed; indicate name of owner if private collection, 5) City where museum, gallery, or collection is write a summary on a book report, located. Ashoona, Kiawak. Smiling Family . 1966. McMichael Canadian Art Collection, Brancusi, Constantin. Topics. The Kiss . 1909.

Tomb of T. Rachevskaia, Montparnasse. The Great Sphinx . How To Write Book. [c. 2500 BC]. Evolution. Giza. Ingres, Jean-Auguste-Dominique. Odalisque . 1814. Louvre Museum, Paris. Raphael. The School of Athens . 1510-11. Stanza della Segnatura, Vatican Palace,

Rude, Francois. La Marseillaise . A Summary On A Book. 1833-36. Arc de Triomphe, Paris. Components for artwork cited from a book: 1) Name of artist. 2) Underline title of artwork. 3) Date artwork created (if date is uncertain use [c. 1503] meaning [circa 1503] or around the year 1503).

4) Museum, art gallery, or collection where artwork is house, 5) City where museum, gallery, or collection is located. 6) Title of book used. 7) Author or editor of book. 8) Place of publication: 9) Publisher, 10) Date of publication. 11) Other relevant information, e.g. figure, page, plate, or slide number. Abell, Sam. Japan . 1984. National Geographic Photographs: The Milestones . By Leah Bendavid-Val, et al.

Washington, DC: National Geographic, 1999. Carr, Emily. A Haida Village . [c. On Literacy. 1929]. McMichael Canadian Art Collection, Kleinburg, ON. The McMichael Canadian Art Collection . By Jean Blodgett, et al. Toronto: McGraw, 1989. 134. Kasebier, Gertrude.

The Magic Crystal . [c. 1904]. Royal Photographic Society, Bath. A Basic History of how to a summary, Art . By H.W. Janson and Anthony F. Janson. Englewood Cliffs, NJ: Prentice, 1991. National. 412. Leonardo, da Vinci. Mona Lisa (La Gioconda) . [c. 1503-5].

Louvre Museum, Paris. Favorite Old Master Paintings from the on a book Louvre Museum . New York: Abbeville, 1979. 31. Michelangelo. David . 1501-04. Accademia di Belle Arti, Florence. The Great. Masters . By Giorgio Vasari. Trans.

Gaston Du C. de Vere. New York: Park Lane, 1986. 226. Sullivan, Louis. Wainright Building . 1890-91. Of Dogs Essay. St. Louis, MO. A Basic History of Art . By H.W. How To A Summary Report. Janson and Anthony F. Janson. Englewood Cliffs, NJ: Prentice,

Tohaku, Deme. Essay Media. Ko-omote Female Mask . Edo period [1603-1867], Japan. Naprstek. Museum, Prague. The World of Masks . By Erich Herold, et al. Write A Summary On A Book Report. Trans. Dusan. Zbavitel. London: Hamlyn, 1992. 207.

Vanvitelli, Luigi, and essay topics media Nicola Salvi. Chapel of St. John the Baptist . 1742-51. Sao Roque, Lisbon. By Rolf Toman, ed. Baroque: Architecture, Sculpture, Painting . Write A Summary On A Book. Cologne: Konemann, 1998. 118.

Components for a personal photograph: 1) Subject (not underlined or put in quotes). On Literacy. 2) Name of person who took the photograph. 3) Date photograph taken. War in Iraq: Operation Iraq Freedom on CNN. Personal photograph by author. Great Wall of China, Beijing, China. Personal photograph by Cassy Wyse. 28 July 2005. Components: 1) Patent inventor(s) or owner(s). 2) Title of patent. 3) Issuing country and write on a report patent number.

4) Date patent was issued. Arbter, Klaus, and Guo-Qing Wei. Essay Media. ďVerfahren zur Nachfuhrung eines Stereo-Laparoskope. in der minimal invasiven Chirurgie.Ē German Patent 3943917. July 1996. ďConversion of Calcium Compounds into Solid and Gaseous Compounds.Ē US Patent 5078813.

Kamen, Dean L., et al. ďTransportation Vehicles and how to write a summary on a report Methods.Ē US Patent 5971091. 31. Performance: (ballet, concert, musical, opera, play, theatrical performance) Disneyís The Lion King . By Roger Allers and Irene Mecchi. Of India. Dir.

Julie Taymor. Music and lyrics by Elton John and Tim Rice. Princess of Wales Theatre, Toronto. 9 June 2002. The Hobbit . By J.R.R. Tolkien. How To A Summary Book Report. Dir. Kim Selody. Perf. Herbie Barnes, Michael.

Simpson, and Chris Heyerdahl. Living Arts Centre, Mississauga, ON. The Nutcracker . By Pyotr Ilyich Tchaikovsky. Chor. and Libretto by James. Kudelka. Cond. Ormsby Wilkins and Uri Mayer. National Ballet of. Canada. Hummingbird Centre, Toronto. 30 Dec.

1999. Phantom of the Opera . By Andrew Lloyd Webber. Lyrics by Charles Hart. Dir. Harold Prince. Based on novel by Gaston Leroux. Playwright. Pantages Theatre, Toronto. 20 Sept. 1998.

The Shanghai Acrobats . By Incredible! Acrobats of on a book, China. Living Arts Centre, Mississauga, ON. 4 Mar. 2005. Components: 1) Title of episode, underlined; or in quotes if appropriate. Essay Topics. 2) Title of program, underlined.

3) Title of series. 4) Name of network. 5) Radio station or TV channel call letters, 6) City of local station or channel. 6) Broadcast date. The CFRB Morning Show . By Ted Woloshyn. How To On A Book Report. CFRB Radio, Toronto. 12 Sept. 2003. Law and Order . Prod. Wolf Film, Universal Television. NBC Television Network.

WHEC, Rochester, NY. 16 Oct. 2002. ďNew Threat from the notebook analysis Osama?Ē By Jim Stewart. CBS News . WBEN, Buffalo. ďNew York Museum Celebrates Life of Einstein.Ē By Martha Graybow. Reuters, New York. WBFO, Buffalo.

13 Nov. 2002. ďThe Nightmare Drug.Ē By Bob McKeown, Linden MacIntyre, and Hana Gartner. The Fifth Estate . CBC, Toronto. 16 Oct. Report. 2002. ďU.S.: Tape Sounds Like Bin Laden.Ē AP, Washington, DC. On Your Side . WGRZ-TV, Buffalo. 13 Nov.

2002. 33. Recording Ė Music CD, LP, magnetic tape: 1) Name of author, composer, singer, or editor. 2) Title of song (in quotation marks). 3) Title of bird essay, recording (underlined).

4) Publication medium (LP, CD, magnetic tape, etc.). 5) Edition, release, or version. 6) Place of publication: Publisher, Date of publication. On A Book Report. If citing from Internet, see Item 23. Backstreet Boys.

Larger than Life . Millennium. Evolution. CD. Exclusive Management by. The Firm, Los Angeles, CA. Mastered by how to write a summary book report, Tom Coyne, Sterling Sound, NYC. Burch, Marilyn Reesor. Mosaic . CD. Writ., dir. and prod. Marilyn Reesor. Burch. Choirs dir.

Don and Catherine Robertson. Barrie, ON: Power. Plant Recording Studio, n.d. Burch, Marilyn Reesor. Mosaic . CD. Writ., dir. and prod. Marilyn Reesor. Burch. Choirs dir.

Don and Catherine Robertson. Barrie, ON: Power. Plant Recording Studio, [c. Evolution. 1997]. Note: ďn.d.Ē means ďno dateĒ available. [c. 1997] means ďcirca 1997.Ē McDonald, Michael. No Lookiní Back . LP. Prod. Michael McDonald and.

Ted Templeman. Engineered and mixed by R. ThinkPad ACP Patch for how to write book report, ThinkPad 600, 770, and 770E . Diskette. Vers. 1.0. Tape Recording: Cassette, DVD (Digital Videodisc), Filmstrip, Videocassette. Covey, Stephen R. Living the 7 Habits: Applications and Insights . Cassette.

tape recording read by author. New York: Simon, Audio Div., 1995. Ginger . Evolution. Solid Ground. Cassette tape recording from album Far Out . Vancouver: Harry Potter and write on a report the Prisoner of Azkaban . Dir. On Literacy Narrative. Alfonso Cuar o n. Based on a summary book, novel. by J.K. Rowling.

Perf. Daniel Radcliffe, Rupert Grint, and essay Emma Watson. DVD. Warner, 2004. Jane Austenís Emma . Videocassette. Meridian Broadcasting. A Summary On A. New York: New Video Group, 1996. Kicking Screaming . Dir. Jesse Dylan.

Writ. Leo Benvenuti and Steve Rudnick. Perf. Will Ferrell and Robert Duvall. DVD. Universal, 2005. The Sisterhood of the Traveling Pants . Dir. Ken Kwapis. Essay. Based on novel by. Ann Brashares.Perf. Amber Tamblyn, America Ferrera, Blake Lively, and Alexis Bledel.

DVD. Warner, Dungaree, 2005. Super Searching the Web . Videocassette. Lancaster, PA: Classroom Connect, The Wizard of Oz . Dir. Victor Fleming. Write A Summary On A Report. Based on book by Lyman Frank Baum. Perf.

Judy Garland, Frank Morgan, Ray Bolger, Bert Lahr, Jack Haley, Billie Burke, Margaret Hamilton, Charley Grapewin, and the Munchkins. MGM, 1939. VHS. Warner, 1999.

State author, title of unpublished dissertation or thesis in quotes, label Diss. or MA thesis, name of university, and year. Elmendorf, James. ďThe Military and criticism heart essay the Mall: Society and Culture in Long Beach, California.Ē BA. thesis. Hampshire College, 1995. Jackson, Marjorie. ďThe Oboe: A Study of Its Development and Use.Ē Diss.

Columbia U, 1962.

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Here, Ola Hamdy used a colored sidebar to separate her personal and contact information from her educational and professional details. Although this resume design is text-heavy, Gershom Charig mixes things up with a two-color scheme and how to write on a book report, a word cloud to creatively represent the breadth of his skills and experience. Topics. Similar in how to on a book report, function to the word cloud above, various sizes of psychoanalytic heart of darkness essay, circles represent Silviu Schiauís proficiency in various areas, such as management and write on a book, design. The size of the of dogs circles corresponds with his amount of experience ó a fresh way to write illustrate core competencies. Playwright. Give the person looking at your resume an excuse to find out a summary on a book, more about you. Analysis. Including a link to your website or portfolio (or even a QR code, as Krysten Newby has done here) acts as a good prompt. If your job history includes working for big companies with recognizable logos, feature them on your resume. How To On A Report. Tamas Leb has included space to do so on this resume template, and it makes an impressive statement, even at a glance.

For creative resumes, a theme can give you a starting point to build a one-of-a-kind design and think about bird of india peacock essay innovative ways to present your information. Here, Peter Kistemanís laboratory theme makes a strong visual statement and gives his artistic background a scientific, experimental dimension. Putting your resume in a folder or other kind of holder gives you more space to showcase your experience and accomplishments, plus the extra tactile feature makes it memorable, as with this design from S1M. How To A Summary On A. The vertical timeline on the outside offers an immediate visual representation of the candidateís career history. This traditional black, white, and gray design by Brice Seraphin brightens up quite nicely with some turquoise as an accent. This can be done with any color (and you may want to tone it down depending on your industry), but vibrant hues have particular impact. Besides being another nice example of using an accent color, this design by Adam Rozmus keeps things clean and simple, showing that resumes donít have to be fancy to make a good impression. If competition is playwright resume, stiff, try standing out with a resume package that gives you some space to demonstrate your abilities, develop a personal brand, and include more information than the limited area of a one-page resume allows for. Here, Sabrae Precure uses a distinct color scheme and how to write on a book, custom illustrations to stand out from the crowd.

This resume by Gabriel Valdivia combines a traditional format (the typical positions, dates, and national of india peacock essay, short descriptions) with pictorial elements that provide a more personal touch. As if to say that a normal paper resume just wonít cut it, Alison Root got clever with her resume presentation, which demonstrates that she thinks outside the write on a book report box. Topics. This sample resume from Rahul Chakraborty features bold typography and bright colors for a high-impact look that will make people take notice. There may be times when itís ok to let your sense of humor shine through in your resume; it makes you more relatable, more likable. For instance, check out the pronunciation guide Nick Iannuccilli provided for his difficult last name. Using a border is a good way to add a little bit of write a summary on a book, color to playwright your resume, as Evelien Callens has done here, without worrying about looking unprofessional.

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A two-column layout with a businesslike blue-gray accent color gives this otherwise traditional resume from ResumeBaker some extra interest. Syril Bobadillaís illustrations are whimsical and kid-friendly, and her resume reflects that style. Evolution Essay. Notice how she also created matching business cards for a cohesive personal brand. Even if your industry doesnít allow as much creative expression as someone in the arts, you can express your personality in more subtle ways, like through font choices or an accent color. Resumes donít always have to read from left to right, top to bottom. You can play with the on a report layout of your resume to playwright make the best and most visually interesting use of the space you have available, like Milena Filipova has done here. You can use a grid structure to organize your resume and make it easier to navigate, similarly to how Orlando Silva designed this template.

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CO-OP health plans: patientsí interests first. By Louise Norris contributor August 27, 2017. Itís been a rough few years for the ACAís Consumer Operated and Oriented Plans. There were 23 CO-OPs when the first open enrollment period got underway in the fall of 2013, but by the beginning of 2016, only 11 of them were still operational. By July 2016, four additional CO-OPs Ė in Ohio, Connecticut, Oregon, and Illinois Ė had failed. And in how to write a summary on a, September, Health Republic Insurance of New Jersey stopped offering new plans and announced that their existing plans would terminate at the end of 2016 (unlike the other CO-OPs that have failed, state regulators in New Jersey were initially saying that it might be possible for Health Republic to be rehabilitated enough to return to the market in 2018, but that ultimately was not the case, and an order of essay liquidation was filed in February 2017). In December 2016, more than a month after open enrollment began for 2017 coverage, Maryland regulators announced that Evergreen Health CO-OP would not renew or issue individual market plans for 2017, leaving just five CO-OPs offering coverage in 2017 (Maryland regulators made an administrative order in July 2017 that is expected to lead to receivership for Evergreen Health). In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the on a, end of 2017. Their intent at that point was to reopen in 2018 as Minuteman Insurance Company (and to evolution of dogs essay, have plans available for how to a summary book report sale during open enrollment in the fall of 2017 under that name), which was to have been a for-profit insurer rather than a CO-OP.

But by mid-August, they had failed to of dogs essay, raise enough capital by the deadline to secure a license to sell coverage for 2018, and would not be able to re-open as Minuteman Insurance Company in 2018. Minuteman Health has been placed in receivership by the Massachusetts Division of Insurance, and their plans will terminate at the end of 2017. After all the on a book report, closures, there are just four CO-OPs slated to essay, offer coverage in 2018, in five states: Maine, Montana, Idaho, New Mexico, and Wisconsin. The CO-OP failures have been due in large part to a combination of premiums that were too low, benefits that were too generous, enrollees who were sicker than anticipated, competition from bigger carriers with larger reserves, the how to write a summary report, risk corridor shortfall that was announced in essay on literacy, the fall of 2015, and the risk adjustment payment announcements that were made in June 2016 (see below for a timeline of the closures). The Trump Administrationís approach to health care reform, and GOP lawmakersí efforts to repeal and replace the ACA (via bills written in secret that bypass the normal bipartisan committee process), have further increased the uncertainty that insurers are facing, making the situation even more precarious for small insurers like the remaining CO-OPs. 2018: 4 CO-OPs selling plans in 5 states. There are four CO-OPs that are expected to offer plans in five states in 2018. Although the vast majority of the original CO-OPs have failed, these four are showing signs of overall stability. Itís important to note, however, that if the Trump Administration continues to cause uncertainty and instability in the insurance markets (including Trumpís recent threats to cut off federal funding for cost-sharing reductions), the remaining CO-OPs will be among the most vulnerable.

Community Health Options (CHO) This was originally called Maine Community Health Options, but the name was changed to reflect the how to report, carrierís expansion outside of psychoanalytic essay Maine. 44,000 people enrolled in coverage through the exchange in 2014, and 83 percent of them selected Community Health Options, making the CO-OPís first year an how to write a summary on a report, amazing success. CHO expanded into New Hampshire for 2015, fueled by their initial success in 2014 and by a new loan from CMS. During the second open enrollment period, CHO once again dominated the Maine market, securing about 80 percent of the the notebook analysis, exchange market share. They also enrolled about report 5,000 people in New Hampshire. Of Dogs. However, CHO reported significant losses in the third quarter of 2015, and a summary on a, decided to limit enrollment in topics media, individual plans for 2016. Enrollment directly through Community Health Options ceased December 15, 2015; enrollment in Community Health Options plans through ceased December 26. CHO ended 2015 with $74 million in losses Ė a far cry from the profitable year they had in 2014.

In early 2016, Maineís Insurance Superintendent proposed putting the a summary on a, CO-OP in receivership and canceling a portion of its plans (about 20,000 members would have been transitioned to other coverage). But CMS didnít allow that, saying that the plan cancellations would run afoul of the ACAís guaranteed-renewable provision. The CO-OP is the notebook, under increased oversight from the Maine Bureau of Insurance, which puts out monthly reports that detail how the CO-OP is how to a summary on a report, faring relative to its business plan. Psychoanalytic Heart Of Darkness Essay. According to how to write a summary book report, the July 2017 report from the resume, Bureau of Insurance, CHOís net income in May 2017 was considerably lower than projected, but year-to-date claims were running just about on a book as-projected. CHO is the only remaining CO-OP that received moneyóas opposed to having to pay out moneyóunder the risk adjustment program for evolution 2015 and how to book, again for 2016. Bird Of India Peacock. For 2017, Community Health Options had an average rate increase of write a summary report 25.5 percent in Maine, where bulk of their members live. Analysis. They exited New Hampshire entirely at the end of 2016, and reverted to operating solely in Maine, as they did in 2014. They have proposed roughly a 20 percent average rate increase for 2018 in the individual market, where they have about write a summary on a report three-quarters of national bird peacock their membership. How To Write On A. Their total membership was 67,539 at the end of essay 2016, and had dropped to 44,015 by the first quarter of 2017 (all in Maine, since theyíre no longer offering plans in New Hampshire).

Mountain Health Cooperative Montana Health CO-OP started in Montana, and expanded to Idaho in write a summary on a book report, 2015. The CO-OP seems to be on relatively solid financial ground. Essay. CEO Jerry Dworak noted that the CO-OP didnít expand too quickly, and maintained substantial reserves; they were not relying as heavily as other CO-OPs on risk corridor payments to shore up their financial position. Average rates for Mountain Health CO-OP in Idaho increased by 26 percent for 2016. For 2017, Mountain Health CO-OPís average rate increase is 29 percent in Idaho, and 31 percent in Montana. As of December 22, 2016, the CO-OP ceased enrollments in Montana due to the ďlarge number of new members for 2017.Ē The enrollment freeze was lifted in July 2017 for off-exchange enrollments; on-exchange enrollments in how to write on a report, Montana were expected to become available in the summer of 2017 as well. In both cases, this was ahead of the notebook schedule, as the CO-OP had originally expected the lift the enrollment freeze as of November 1, at the start of open enrollment. In another indication of the CO-OPís increasing viability, their average proposed rate increase for 2018 is only 4 percent in Montana.

This demonstrates that the 31 percent average rate increase for 2017 may have been enough to stabilize the CO-OP and ďright-sizeĒ the premiums. New Mexico Health Connections The CO-OP had net earnings of $420,000 in the first quarter of 2016, as opposed to a loss of $2.3 million in how to write a summary book report, the first quarter of analysis 2015. By the end of the 2016 open enrollment period, New Mexico Health Connections had more than 50,000 members, and the CO-OP had added several big-name employers, including Goodwill Industries of write New Mexico, Youth Development Inc., and Heritage Hotels Resorts. NM Health Connections has said that they werenít counting on national peacock significant payments from the risk corridor program in 2015, so the shortage didnít hurt them as much as it hurt other carriers. New Mexico Health Connections dropped their PPO plans for 2016 in order to focus on plan designs that allow them to better control costs. Several big-name carriers around the country took a similar approach in 2016, and PPOs are less common than they once were in the individual market. For 2017, New Mexico Health Connections had an average rate increase of 33 percent, before any exchange subsidies are applied. They have filed an average rate increase of 30.1 percent for a summary 2018 (much lower than the 84 percent average rate increase they initially filed; the lower rate filing came about once it became clear that other insurers would not be exiting New Mexicoís market and the CO-OP did not have to insulate themselves against a flood of new enrollees). But their average rate increase could be even lower still, and the CEO noted in July that the CO-OPís proposed rate increases were in essay, the 20 to 25 percent range. Common Ground Healthcare Cooperative Ė The CO-OP offers coverage in 19 eastern Wisconsin counties.

The approved weighted average rate increase for Common Ground for 2016 was 18 percent. Write A Summary Book Report. The CO-OP had 23,629 enrollees in Wisconsin in essay narrative, 2015. Write A Summary On A Book. For 2017, the evolution of dogs essay, CO-OP had an average rate increase of how to 12.6 percent. And after losing money from 2014 through 2017, Common Ground Healthcare posted a positive net income of playwright resume $2.7 million in the first quarter of 2017. 2015 risk adjustment: 9 of how to write book 10 CO-OPs owed payments. Under the narrative, ACAís risk adjustment program, health insurers with lower-risk enrollees end up paying money to health insurers with higher-risk enrollees. The idea is to prevent insurers from designing plans that appeal only to healthy enrollees, and to ensure that premiums reflect benefit levels, rather than the overall health of write a summary on a a planís enrollees. On June 30, 2016, HHS released data on risk adjustment numbers for 2015.

Of the 10 CO-OPs that were still operational at that point, nine had to pay into the risk adjustment program for 2015; only one remaining CO-OP Ė Community Health Options in Maine and New Hampshire Ė received a risk adjustment payment. Resume. Community Health Options received about how to write book report $710,000 in risk adjustment funds. Some of the remaining CO-OPs had begun to be profitable in early 2016 (details below), but all of the CO-OPsí financial situations now have to be considered in conjunction with the fact that the CO-OPs will have to evolution, pay out the following amounts in risk adjustment payments, making their financial futures even more uncertain (of the nine CO-OPs that owed money in 2016 for the risk adjustment program, six have closed or are facing impending closure; only the CO-OPs listed in bold continue to be fully operational) Mountain Health CO-OP/Montana Health CO-OP (Idaho and write a summary, Montana): $481,000 Oregon Health CO-OP (Community Care of essay on literacy Oregon): $914,000 ( closed; plans ended July 31, 2016 ) Common Ground CO-OP (Wisconsin): $1.9 million Minuteman (operates in Massachusetts and New Hampshire, but risk adjustment outlay was for NH; MA operates its own risk adjustment program): $11 million (Minuteman has filed a lawsuit against CMS in write a summary on a, an effort to ďinvalidate the illegal Risk Adjustment methodology and institute necessary changes immediately.Ē Minuteman Health is in receivership, and will stop offering coverage at the end of 2017 ) New Mexico Health Connections : $14.6 million. NM Health Connections filed a lawsuit against HHS in August 2016 over the risk adjustment program, requesting that the program be halted until improvements could be made. Healthy CT: $13.4 million ( closed; plans ended December 31, 2017 ) Evergreen Health CO-OP (Maryland): $24.2 million (Evergreen filed a lawsuit to of dogs, block the collection of the risk adjustment payments; a district judge denied the CO-OPís request on July 21, and the CO-OP immediately appealed the how to write report, decision; Between $2 million and $3 million of the risk adjustment payment was to essay on literacy, be withheld by write report CMS in essay media, mid-July from funds owed to the CO-OP for premium subsidies and cost-sharing reductions, and the remainder of the payment had to be remitted by Evergreen by August 15).

Evergreen notes that they would have profited between $2 million and $3 million in 2016 if it werenít for the $24 million they had to write a summary on a book, pay into the notebook, the risk adjustment program. As a result of the how to write a summary book, losses, they began the process of being acquired by private investors and converting to a for-profit entity (this process ultimately didnít happen fast enough for Evergreen to be able to sell or renew individual plans for evolution essay 2017; in July 2017 the investors terminated the acquisition, and Maryland regulators began the process thatís expected to lead to receivership for Evergreen Health ). How To Write Book. Land of Lincoln (Illinois): $31.8 million (the state ordered Land of Lincoln to withhold payment until if and on literacy, when the CO-OP receives the money they were supposed to get in 2015 for the 2014 risk corridors program. That tactic didnít work however, and on July 12, Illinois regulators began the process of closing Land of Lincoln Health, and the CO-OP was placed in write a summary book report, liquidation as of October 1, 2016 ). Freelancerís CO-OP (Health Republic Insurance of New Jersey): $46.3 million ( in psychoanalytic of darkness, September 2016, regulators placed Health Republic in rehabilitation, and the CO-OP stopped selling new plans ; the risk adjustment payment ó which was much more than they had previously been advised it would be ó was cited as a primary reason for the CO-OPís financial instability). HHS has proposed changes to write a summary book report, the risk adjustment program for 2018, to make it more equitable and the notebook analysis, less burdensome for how to new, smaller carriers. Theyíve also indicated that states can make regulatory changes before 2018 to bird peacock, ensure a more functional risk adjustment program. 2016 risk adjustment: 4 out of 5 remaining CO-OPs once again owe money. On June 30, 2017, HHS published the how to, risk adjustment report for 2016. Maine Community Health Options was once again the only remaining CO-OP that will receive funding under the risk adjustment program; theyíll get $9.1 million.

The report also details the amount that insurers owe or will receive for 2016 under the ACAís temporary reinsurance program (2016 was the evolution of dogs, last year for how to a summary book the reinsurance program). All five of the remaining CO-OPs will receive money from the 2016 reinsurance program, but in most cases, itís not as much as theyíll have to pay out under the risk adjustment program. Maine Community Health Options ó the essay, only remaining CO-OP receiving funding under the risk adjustment program ó will also receive $21 million under the how to report, 2016 reinsurance program, which is far more than any of the other CO-OPs will receive. Common Ground CO-OP has to pay $3.7 million in risk adjustment (but will receive $10.5 million in reinsurance) Mountain Health CO-OP/Montana Health CO-OP has to pay $8.3 million in risk adjustment (but will receive $2.9 million in essay on literacy, reinsurance) New Mexico Health Connections has to a summary on a book report, pay $8.9 million in risk adjustment (but will receive $3 million in reinsurance) NM Health Connections sued the federal government in 2016 over the risk adjustment program, but so far, the system is still set up in a way that ultimately ends up taking money from smaller, newer insurers and giving it to larger, more established insurers. Minuteman, which is closing at analysis essay the end of 2017, has to pay $25.4 million in write, risk adjustment for 2016 (but will receive $3 million in reinsurance). Notably, they owed far more in 2016 risk adjustment than any of the other remaining CO-OPs. They explained in June, in conjunction with their announcement that they would no longer be a CO-OP after 2017 (at that point, they hoped to re-open as a for-profit insurer, but that plan was scrapped when they were unable to national of india, raise enough capital to secure a license for 2018), that the amount they had been forced to pay into how to write, the risk adjustment program amounted to about a third of the premiums they had collected.

In May 2016, after extensive input from stakeholders, HHS issued new regulations in an effort to help the remaining CO-OPs become financially viable. Due to bird of india peacock essay, the urgency of the situation, the regulations took effect almost immediately, on write a summary on a May 11. The new regulations make a variety of changes that make it easier for evolution CO-OPs to seek outside investments and expand their coverage offerings beyond the individual and small group markets: In the past, there were relatively strict rules governing the make-up of CO-OP boards. CO-OP board members could not be representatives or employees of how to a summary book report any federal, state, or local government entity, and they could also not be representatives or employees of any health insurance carrier that was operational as of the notebook analysis essay July 2009. These rules were established to prevent conflicts of interest among CO-OP board members (for example, an employee of a competing insurance company might have a conflict of interest and might not make decisions solely based on the best interests of the CO-OP). The new regulations relax these rules, as HHS has discovered that the rules were too strict, and were preventing well-qualified experts from joining CO-OP boards. The new regulations allow government employees and how to write report, representatives to be on CO-OP boards as long as theyíre not in senior or high-level positions in the government. And employees or representatives from playwright resume, already-established insurers can be on CO-OP boards as long as theyíre affiliated with insurance carriers that donít compete in the individual and small group markets where CO-OPs operate.

The old rules also required all of a CO-OPís board of directors to how to write on a, be elected by evolution of dogs essay CO-OP members, and also required all members of the board of how to write a summary book report directors to also be members of the CO-OP. The new regulations allow for some leeway here too. Only a majority of the board members must be elected by CO-OP members, and board members are no longer required to be members of the CO-OP. This allows outside entities that are providing loans, investments, and psychoanalytic essay, services to the CO-OP to have representatives on the board of directors, and will Ė in theory Ė make it easier for CO-OPs to how to write on a report, attract new investments . HHS notes that including investor representatives on topics media boards of directors is a common practice in the private sector. The old rules made it difficult for CO-OPs to find willing and qualified individuals to serve on their boards of directors, and the old rules allow them to how to a summary book report, seek outside experts to national bird essay, provide assistance via being on write a summary on a book report the board of directors. The CO-OPs will still be member-driven though, as the majority of board members must still be elected by of dogs CO-OP members. New Mexico Health Connections announced in 2016 that they planned to work with Raymond James, a New York based investment firm, to raise ďa substantial amountĒ of on a book report funding for New Mexico Health Connections. Marylandís CO-OP, Evergreen Health , was working to raise $15 million by essay media August 2016, and by July, the CO-OP had come to agreements with eight guarantors to front more than half of write on a report that $15 million. But Evergreen Health later opted for the ultimate private investor arrangement, with plans for private investors to acquire the CO-OP in 2017. If that had worked out, the insurer would still have been called Evergreen Health, but would have been a for-profit entity and no longer a CO-OP.

Ultimately, the new arrangement didnít receive federal approval in time to continue to offer coverage for 2017, and Marylandís Insurance Commissioner announced on December 8 that Evergreen would not sell or renew any individual plans for 2017. They had planned to topics media, return to the individual market in 2018, but the private investors terminated the acquisition in July 2017, and Maryland regulators imposed an administrative order that is expected to lead to the CO-OP entering receivership. The ACA requires that at least two-thirds of a CO-OPís policies must be issued in the individual and small group markets in the state where the how to write book report, CO-OP is licensed. Originally, the rule was that CO-OPs that ran afoul of that provision would have to repay their federal loans immediately. The Notebook Essay. The new regulations allow for more leeway: CO-OPs that arenít meeting the two-thirds rule donít necessarily have to repay their loans immediately, but they do have to demonstrate a plan for getting into compliance with the two-thirds rule, and be acting in good faith to write a summary on a book, achieve that standard (most CO-OPs only operate in the individual and small group markets thus far, but HealthyCT in Connecticut is an exception Ė they offer large group plans in essay topics media, addition to individual and small group plans). How To Write A Summary Book. The new flexibility allows CO-OPs to enter into other markets Ė including large group, Medicare, Medicaid, and ancillary products such as dental and vision, without having to be overly concerned with running afoul of the two-thirds rule and triggering an immediate payback requirement for federal loans. Under prior rules, CO-OPs werenít allowed to sell their policies to another insurer.

So when 12 CO-OPs failed by essay on literacy narrative the end of on a 2015, the only option was to send their members back to essay, the general market Ė on or off-exchange Ė to a summary book report, seek new coverage. The new HHS regulations allow insolvent CO-OPs to sell their policies to another insurer, although the transaction would have to be approved by CMS. The idea here is to preserve coverage for existing members if additional CO-OPs fail. Membership surpassed a million enrollees by 2015, but has declined sharply with CO-OP closures. During the 2014 open enrollment period, just over 400,000 people enrolled in CO-OPs nationwide. That climbed to essay narrative, over a million by the end of the 2015 open enrollment period Ė despite the fact that CoOpportunity (Iowa and Nebraska) stopped selling policies in December 2014, and their once-robust enrollment (120,000 members) had dropped to about 2,000 people by mid-February 2015. While enrollment in private plans through the exchanges increased by 46 percent in 2015 (from 8 million people in the first open enrollment period, to 11.7 million in the second open enrollment period), enrollment in CO-OPs increased by 150 percent.

At the end of 2015, however, more than 500,000 of those enrollees had to switch to a different plan, as 11 of the 22 remaining CO-OPs closed at the end of 2015. In May 2016, Ohio regulators announced that InHealth Mutual would be liquidated, leaving just ten remaining CO-OPs nationwide. Write A Summary. And only three of them are not currently subject to enhanced federal oversight: New Mexico Health Connections, Mountain Health Cooperative (Montana and Idaho), and Minuteman Health, Inc (Massachusetts and New Hampshire). The other eight CO-OPs still in operation are all under ďcorrective action plansĒ from the federal government. Seven of the eleven CO-OPs that were still operational at the end of 2015 had at least 25,000 enrollees as of essay mid-2015, which is the how to on a, minimum number that CMS says is necessary for playwright financial solvency. The other four had not yet achieved that benchmark by how to a summary early 2016, and two of narrative themóin Oregon and Ohioówere among the four CO-OPs that had failed by how to write report July 2016.

Of the remaining six CO-OPs, five had membership in excess of 25,000 people as of mid-2015. CMS recognized that, in a competitive marketplace, CO-OPs would face challenges. The agency acknowledged that more than one-third of the CO-OPs would likely fail in playwright, the first 15 years. CMS projected a 40 percent default rate for on a book the planning loans and a 35 percent default rate for the solvency loans. But with only five of 23 CO-OPs slated to still be in business by of india essay the end of how to a summary on a report 2017, the failure rate is national bird of india peacock essay, 78 percent, after three and a half years of operations.

In terms of recent enrollment totals for the remaining CO-OPs: Common Ground CO-OP had 19,300 members in 2016 Mountain Health CO-OP/Montana Health CO-OP had roughly 15,000 members in Montana in 2016, and added 10,000 new members for write a summary book 2017. They also have members in national of india peacock, Idaho. How To Write A Summary On A. New Mexico Health Connections membership had grown to 50,000 by 2016 Community Health Options: 44,015 members as of the first quarter of 2017. In addition, Minuteman Health (which will no longer exist as a CO-OP after the end of 2017) has 37,000 members in Massachusetts and New Hampshire in 2017, and Evergreen Health (which is under an national bird, administrative order that is expected to lead to receivership) has 25,000 members in a summary, Maryland. A look at essay on literacy narrative the CO-OPs that are facing impending closure. In addition to the four CO-OPs described above that intend to continue to offer coverage in on a, 2018, two other CO-OPs are still operational in 2017, but will no longer exist as CO-OPs in 2018: MASSACHUSETTS and NEW HAMPSHIRE Minuteman Health Inc. ( will close at the end of 2017 ) Enrollment exceeded 22,500 in the first quarter of 2016, and on literacy, the CO-OP ceased its advertising campaign in an effort to avoid enrolling too many members. The CO-OP had a profitable first quarter of how to on a book 2016, as opposed to media, the $3.8 million loss they suffered in the first quarter of 2015. By April 2016, Minutemanís enrollment had reached about write a summary book 26,000 people, which was an 85 percent increase over 2015 enrollment.

More than 21,000 of essay Minutemanís QHP enrollees are in New Hampshire, and the state also has more than 3,400 Premium Assistance Program (privatized Medicaid) members with Minuteman coverage. All Minuteman Health enrollees in how to write a summary on a book report, New Hampshire and Massachusetts will need to secure new coverage for 2018, as the CO-OP is closing at the end of 2017. MARYLAND Evergreen Health Cooperative Inc. (group coverage only in 2017; (no longer allowed to sell or renew any policies under an administrative order that is essay narrative, ďa preliminary step to how to write report, an anticipated receivershipĒ) Enrollment was under 30,000 at the end of 2015, and had grown to 40,000 by March 2016. Evergreen had its first-ever profitable quarter in the beginning of 2016, with a net income of the notebook analysis essay $547,000. Thatís compared with a loss of $2.3 million in the first quarter of 2015. For 2015, Evergreen Health CO-OP lost money, as did all of the how to a summary book report, CO-OPs.

But their loss was the smallest of the 11 remaining CO-OPs, at $10.8 million. In 2016, Evergreen would have been profitable for the full year, except for the $24 million they had to pay into the risk corridor program for 2015. For 2017, Evergreen had proposed an average rate increase of just 8 percent, but regulators ultimately approved an average rate increase of more than 20 percent. Evergreen owed CMS $24.2 million in risk adjustment funds for 2015, which is essay, more than a quarter of the carrierís total revenue. They had worked out an arrangement under which they would be acquired by private investors and converted to a for-profit (ie, not a CO-OP) insurance company, but the investors terminated the book, acquisition in July 2017, leading state regulators to determine that the CO-OP was no longer financially viable. The following CO-OPs had already closed by 2017: ARIZONA CLOSED Meritus Health Partners In a deviation from the norm, Meritus offered year-round enrollment outside the exchange until late summer 2015; tax credits were only bird peacock essay available inside the exchange, and regular open enrollment dates applied to plans purchased in the exchange. Meritus was among the worst-performing CO-OPs in terms of 2014 actual enrollment as a percentage of projected enrollment. Write A Summary On A. The HHS report showed just 869 people enrolled through Meritus as of the end of 2014, out of criticism a projected 24,000. Meritus claims that the write a summary report, actual enrollment total at the end of 2014 was higher (3,500) but still well short of the target number. By August 2015, enrollment in Meritus plans had skyrocketed to the notebook analysis essay, almost 56,000 people.

But just two days prior to the start of the 2016 open enrollment period, the Arizona Department of Insurance announced that Meritus could no longer sell or renew policies, and that existing plans would terminate at the end of 2015. Write A Summary On A Book. COLORADO CLOSED Colorado HealthOP Ė The CO-OP got roughly 13 percent of the exchange market share in 2014 (the second highest of any carrier in the exchange), but they lowered their prices considerably for playwright resume 2015, and garnered nearly 40 percent of the exchangeís enrollees during the second open enrollment period. How To Write Book Report. For 2015, they had the lowest prices in eight of Coloradoís nine rating areas. Colorado Health OP was also facing a shortfall from the risk corridors program, and immediately began working hard to narrative, overcome it. But their efforts were not sufficient, and the Colorado Division of Insurance decertified them from the exchange on October 16, 2015. CONNECTICUT CLOSED HealthyCT Ė The CO-OP had 15.6 percent of the market share in 2015, but dropped to just under 12 percent for 2016. The CO-OP raised their premiums by an average of 7.2 percent for 2016.

Unlike many other CO-OPs, HealthyCT wasnít counting on how to write on a book the risk corridors payout that they were owed for 2014, so the shortfall wasnít as significant for HealthyCT as it was for some of the other CO-OPs. Media. Unlike most CO-OPs, HealthyCT also sold coverage in the large group market, so they had a stronger off-exchange presence than carriers that only offer individual and small group plans. HealthyCT also built its own provider network, instead of having to rent an already-established network from another carrier, as many CO-OPs did. But ultimately, the CO-OP succumbed to the $13.4 million bill that they received for the 2015 risk adjustment program. In July 2016, state regulators ordered HealthyCT to write report, stop writing new policies or renewing existing policies. The CO-OPís 13,000 individual market insureds (most of whom had coverage through the stateís exchange) were insured through December 31, 2016, but needed to pick a new plan during open enrollment. Essay. The CO-OPís 27,000 employer-sponsored group enrollees continued to how to write on a book report, have coverage through the CO-OP until their renewal date in 2017 if their 2016 renewal date was July or earlier. Groups that renewed in August or later had to switch to a different carrier as of their 2016 renewal date. ILLINOIS CLOSED Land of Lincoln Health The CO-OP in Illinois weathered the the notebook analysis, initial risk corridor storm, as they werenít counting on write a summary book report a full payment from CMS. But they limited small group enrollments for the notebook essay the last two months of 2015, and they also capping 2016 enrollment at about 65,000 to 70,000 people (roughly a 30 percent increase over how to write on a report, their 2015 membership) in order to sustainably manage their growth.

Enrollment for the year had ceased by early January, as the CO-OP had met their membership target. Essay On Literacy. During the first quarter of 2016, Land of Lincoln lost $7.1 million, up from the $5.3 million they lost in the first quarter of 2015. An AP analysis of ten of the remaining 11 CO-OPs found that all of them lost money in 2015, but Land of Lincoln Health lost the a summary on a, most, at $90.8 million. National Peacock Essay. Nevertheless, the CO-OP is on the hook for how to a summary on a report a $31.8 million payment for 2015 risk adjustment. In late June, state regulators ordered Land of Lincoln to withhold payment until if and when the CO-OP receives the playwright, $73 million they were supposed to get in 2015 for the 2014 risk corridors program. This move was made in an effort to keep the CO-OP solvent, but it was unsuccessful. How To Write A Summary On A Book Report. On July 12, regulators in Illinois announced that they were beginning the process of criticism of darkness shutting down Land of write a summary on a Lincoln Health; the CO-OP will close on September 30, 2016. A special enrollment period will allow the CO-OPís 49,000 enrollees to pick a new plan. If a plan selection is made between August 2 and September 30, coverage under the new plan will take effect October 1, with no gap in coverage.

If a plan selection is made between October 1 and evolution essay, November 29, normal effective date rules will apply and there will be a gap in a summary book report, coverage. IOWA and NEBRASKA CLOSED CoOportunity Health (Iowa and Nebraska) Ė EDIT, 1/5/15, and 7/30/2015 : CoOportunity Health was taken over by Iowa state regulators in playwright, late December 2014. Once federal funding ran out, it became clear that the carrier didnít have enough money to remain viable, as reserves had dropped to about $17 million by December. At the time, HHS said that the other 22 CO-OPs appeared to how to write on a report, still be financially viable early in 2015. CoOportunity had raised their rates considerably for 2015, although they covered about 120,000 members in Iowa and Nebraska. Most existing policy holders transitioned to other carriers by February 15, but there were still about 2,000 members as of mid-February. Of Dogs Essay. Early in a summary on a, 2015, there was some hope that regulators would be able to of dogs essay, successfully rehabilitate the carrier. How To A Summary. But by February 18, the of dogs essay, Insurance Division announced that they would begin the process of liquidating the carrier before the end of the month, and the remaining insureds had to transition to other carriers by March 1. KENTUCKY CLOSED Kentucky Health Care Cooperative Near the on a report, end of the 2014 open enrollment period, Kentucky Health Cooperative had garnered 75 percent of the resume, exchange enrollments in Kentucky . By the end of how to write a summary 2014, Kentucky Health Cooperative was covering 55,852 people in the state. The CO-OP had planned to expand into West Virginia for 2015, but backed out just a week before open enrollment over worries that their infrastructure wasnít ready for the new influx of members. They had planned to move forward with their expansion to West Virginia in 2016, but the West Virginia Insurance Commissionerís office confirmed in early September 2015 that the Kentucky CO-OP no longer had plans to expand into West Virginia. As of June 2015, Kentucky Health Cooperative still had more than 55,000 members, despite the fact that their premiums increased by an average of 15 percent in 2015.

But Kentucky Health Cooperative also had the distinction of being the CO-OP with the heart of darkness essay, most red ink in 2014, losing $50.4 million by the end of 2014 (although losses had diminished considerably in book, 2015; by topics media the end of the first half of the how to book report, year, losses totaled just $4 million). The losses from 2014 would have been offset by the risk corridors payment if it had been paid as owed ($77 million). Instead, the national of india essay, CO-OP was going to receive less than $10 million from the risk corridors program, and that simply wasnít enough to sustain them. Book. Kentucky Health CO-OP announced in early October that they would cease operations at evolution the end of 2015. How To Write A Summary On A Report. LOUISIANA CLOSED Louisiana Health Cooperative Inc. Ė EDIT, 7/30/2015: On July 24, the Louisiana Department of Insurance announced that the CO-OP would be winding down its operations this year, and would not participate in the upcoming open enrollment for 2016. The existing 17,000 enrollees can remain with the carrier for the rest of 2015, and there are still enough cash reserves to criticism heart, cover claims for the rest of the year. MICHIGAN CLOSED Consumers Mutual Insurance of how to write on a report Michigan Nearly 80 percent of the CO-OPís enrollees in essay topics media, 2015 were off-exchange. Write On A Report. Michiganís CO-OP was the last to announce failure in of india peacock, 2015, doing so on November 2, the how to, day after open enrollment began for 2016 coverage. NEVADA CLOSED Nevada Health Cooperative Ė In late August 2015, officials at Nevada Health CO-OP announced Ė amid mounting financial losses and ďchallenging market conditionsĒ Ė that the national of india peacock, carrier would be ceasing operations by the end of the year. The CO-OP had about a third of the individual enrollments in the Nevada exchange for 2015, but they had to switch to another carrier for 2016.

NEW JERSEY CLOSED Health Republic Insurance of write on a book New Jersey (Freelancerís CO-OP) Ė The CO-OP ended 2014 with 4,254 members. The Notebook Analysis. By July 2015, the CO-OPís enrollment had exceeded 60,000 people, thanks to new plan designs and lower premiums. Rate increases for how to write a summary report 2016 ranged from 9 percent to 18 percent. For 2017, Health Republic of NJ proposed an average rate increase of just 8.5 percent, but ultimately the carrier was placed in rehabilitation in mid-September, and had to stop offering new plans at of darkness essay that point. State regulators initially said that it was possible the CO-OP could return to the market in 2018, but that ultimately was not the case, and an order of liquidation was filed in February 2017). All existing Health Republic plans in write on a report, New Jersey terminated on December 31, 2016. Psychoanalytic Criticism Heart Of Darkness. NEW YORK CLOSED Health Republic Insurance of New York Ė The CO-OP enrolled 19 percent of the people who purchased plans through NY State of write book report Health (the state-run exchange) during the 2014 open enrollment period. Their membership had grown to criticism of darkness essay, 112,000 by write a summary book April 2014, and 155,000 by the end of 2014 Ė far surpassing their initial 2014 goal of essay topics 30,000 members. In 2015, they again garnered 19 percent of NY State of Healthís private plan enrollees, and how to, had total enrollment of about 200,000 people by the time regulators announced in September 2015 that the CO-OP would be closing.

There were 16 carriers offering plans through NY State of Health, and only one had slightly higher market share than the the notebook essay, CO-OP. But Health Republic of NY lost $35 million in 2014, and $52.7 million in the first half of 2015; their high enrollment was not a financial panacea Ė they enrolled far more people than expected, but that ultimately translated into losses that far exceeded projections. On September 25, state and federal regulators, along with NYís state-run exchange, announced that they had ordered Health Republic to stop issuing new policies and prepare to terminate existing individual plans at write a summary book the end of 2015. It was subsequently determined that the CO-OP was simply losing too much money to continue as a viable insurer, and coverage was terminated on November 30. Resume. OHIO InHealth Mutual CLOSED InHealth Mutual enrolled just 11 percent of their target membership for 2014. But that was partly because the carrier got licensed too late in on a, 2013 to resume, be sold on So instead, InHealth Mutual mainly sold off-exchange small group plans in on a book report, 2014. But for playwright the 2015 open enrollment period, InHealth Mutual was available through the exchange, and enrollment had more than doubled to 16,000 by mid-January. However, during the first six months of 2015, InHealth reported $9.1 million in a summary on a report, net losses.

Ultimately, state regulators announced in late May 2016 that the essay media, CO-OP would be liquidated, and how to write, that the current 21,800 enrollees would have a 60 day special enrollment period during which they would be able to switch to a different carrier. Enrollees who remained with InHealth Mutual had coverage through the media, end of 2016, but it was through the state guaranty fund, which means it had a cap of $500,000 and would subject the how to on a, enrollees to the ACAís penalty for not having minimum essential coverage. OREGON CLOSED Health Republic Insurance of Oregon Health Republicís failure was blamed in essay, large part on the risk corridor shortfall, as was the case with many of the write a summary, CO-OPs that failed in late 2015. In February 2016, Health Republic of Oregon announced that they were suing the federal government over the risk corridor shortfall. Their hope is to make the suit a class action case so that other insurers who were shorted by the risk corridor program can join in the lawsuit. OREGON CLOSED Oregonís Health CO-OP Oregon Health CO-OP is evolution essay, officially called ďCommunity Care of OregonĒ.

It had just 1,582 members at the end of 2014. By January 2015, their membership had grown to 10,000 people, and by April 2015, they said they were on track to write book report, hit 20,000 by the end of the year, and had ďhealthy financial reserves.Ē But they were expecting to receive $5 million via the 2015 risk adjustment program, and ended up owing $900,000 instead. Essay Narrative. That pushed the CO-OP into insolvent territory, and the state announced on July 8 that they were placing the CO-OP in receivership. All Oregon Health CO-OP plans terminated on July 31, 2016. The CO-OP had 20,600 membersó11,800 in the individual market, and 8,800 in how to write, the small group market. Individuals had a special enrollment period beginning July 11 to enroll in a new plan, with coverage effective August 1. To get an August 1 effective date, members had to pick a new plan by July 31. Analysis Essay. Small groups worked with brokers or carriers to secure a new plan with an how to write a summary, August 1 effective date. The state also worked out an arrangement to ensure that CO-OP members get credit for criticism heart essay their out-of-pocket spending during the write a summary book report, first seven months of essay 2019, even after transferring to a new carrier starting in August. On A Book Report. SOUTH CAROLINA CLOSED Consumerís Choice Health Insurance Company Consumers Choice had the same CEO as neighboring Tennesseeís Community Health Alliance Mutual Insurance Company, which also closed at the end of 2015. Consumerís Choice had 67,000 members in media, 2015. TENNESSEE CLOSED Community Health Alliance Mutual Insurance Company (Tennessee) Ė Community Health Alliance had just 2,287 members at the end of 2014 Ė out of a projected 25,000 Ė and experienced a loss of $22 million in 2014.

But they lowered their premiums for 2015 and on a, experienced a surge in enrollment (35,761 members as of May 2015). Enrollment grew so quickly during the essay on literacy narrative, 2015 open enrollment period that Community Health Alliance suspended enrollment in their plans as of January 15, noting that they had already met their enrollment goal for the year. They proposed a 32.6 percent rate increase for 2016, although regulators ultimately increased it to 44.7 percent in order to preserve the a summary on a report, CO-OPís viability. National. The CO-OP had planned to resume selling coverage during the 2016 open enrollment period, but regulators announced in mid-October 2015 that the carrier would instead be closing at the end of the year, and all members would need to how to write book report, transition to another carrier for the notebook analysis 2016. UTAH CLOSED Arches Mutual Insurance Company Arches insured roughly a quarter of Utahís exchange enrollees in 2015. How To Write A Summary Book Report. The CO-OPís on-exchange enrollment was about 32,000 people, all of whom had to topics media, find alternate plans for 2016. In July 2015, HHS released financial and enrollment data for write a summary book the 23 CO-OPs, as of December 2014. The outlook based on the report was not particularly great: all but one of the CO-OPs operated at psychoanalytic criticism heart of darkness essay a loss in write a summary on a book, 2014, and 13 of the CO-OPs fell far short of their enrollment goals for 2014. The audit called into question the essay, CO-OPsí ability to repay the loans that they received from the federal government under Obamacare.

The risk corridor shortfall has been directly implicated in the failure of CO-OPs in Kentucky, Tennessee, Colorado, Oregon, South Carolina, Utah, Arizona, and Michigan. How To Write A Summary Book Report. There is no way around the fact that such a significant financial blow is hard to overcome, particularly for carriers that were new to the market in 2014. Eight CO-OPs failed in essay, the weeks following the risk corridor shortfall announcement. Those eight CO-OPs were in serious financial jeopardy as a result of the risk corridor shortfall and other factors, and how to a summary on a report, state Insurance Commissioners made the essay, difficult decision to shut them down prior to how to write a summary on a book, the start of playwright open enrollment, or shortly thereafter. A Summary Book Report. Itís much less complicated to the notebook analysis, wind down operations in write a summary book report, an orderly fashion in the last couple months of essay on literacy a year than it is to have a carrier become financially insolvent mid-year. That, coupled with the late announcement regarding the risk corridors shortfall, explains the rash of a summary on a book CO-OP failures announced in late 2015 (It should be noted that itís not just CO-OPs feeling the pain from the essay, risk corridor shortfall; in Wisconsin, Anthem exited the exchange market in three counties and scaled back operations in 34 other counties, partially as a result of the risk corridor shortfall. And in write on a, Wyoming, WINhealth has exited the individual market because of the risk corridor shortfall; in Alaska and Oregon, Moda nearly exited the market, due in large part to the risk corridor shortfall.) But with 12 out of 23 CO-OPs going under in 2015, it wasnít surprising that the mood in playwright, late 2015 was relatively pessimistic regarding the CO-OP model. How To Write A Summary Book. In his press release about the demise of Arches Health Plan, Utah Insurance Commissioner Todd E. Kiser noted that ď It is regrettable that the co-op model has not worked across the psychoanalytic heart of darkness essay, country .Ē That didnít bode well for the remaining 11 CO-OPs, and ultimately only four of them intend to offer coverage for 2018. All 11 of the remaining CO-OPs suffered losses in 2015, amounting to a total of about $400 million (Evergreen lost the least, at $10.8 million; Land of Lincoln lost the most, at $90.8 million).

The bulk of the losses were in the fourth quarter, indicating that consumers are trying to get as much value as possible from their coverage before the end of the plan year. So although a few of the remaining CO-OPs are in a summary book, the black so far in 2016, their profits are very modest, and evolution of dogs essay, itís unclear how the rest of the year might go. The fact that lawmakers decided at the end of 2014 to retroactively require the on a, risk corridors program to be budget-neutral was a significant blow to essay, the CO-OPs. The CO-OPs Ė along with the rest of the carriers Ė had set their premiums for 2014 (and by that time, for 2015 as well) with the expectation that risk corridors payments would mitigate losses if they experienced higher-than-expected claims. Clearly, that has not panned out, and it certainly put the how to a summary book, CO-OPs in a tough spot. The Notebook Analysis. To clarify, HHS said in 2013 that the risk corridor program would NOT be budget-neutral, and that federal funds would be used to make up any short-falls; carriers set their rates for a summary book report 2014 based on that.

But then in criticism heart, 2014, HHS announced in 2014 that they had made several adjustments to the risk corridor program, and that they projected ďthat these changes, in combination with the changes to the reinsurance program finalized in this rule, will result in net payments that are budget neutral in 2014. We intend to implement this program in write on a book, a budget neutral manner, and may make future adjustments, either upward or downward to this program (for example, as discussed below, we may modify the ceiling on allowable administrative costs) to the extent necessary to achieve this goal.Ē But this was after rates for 2014 were long-since locked in, and enrollment nearly complete. At the narrative, end of 2014, congress passed the Cromnibus Bill, requiring risk corridors to write on a report, be budget neutral, with no wiggle room for HHS. We do have to keep in mind, however, that CMS knew from the get-go that some CO-OPs would fail. They expected at least a third of them to fail in the first 15 years, and that was long before the risk corridors program was retroactively changed to essay, be budget neutral. What are CO-OPs and how are they different? Consumer Operated and Oriented Plans (CO-OPs) were created under a provision of the how to write on a book report, Affordable Care Act. CO-OP plans were proposed by of dogs essay Senator Kent Conrad (D-ND) when the write report, original public plan option was jettisoned during the psychoanalytic, health care reform debate.

Lawmakers added the CO-OP provision to the Affordable Care Act to placate Democrats who had pushed for a government-run, Medicare-for-all type of how to write a summary report health insurance program. At the time, progressives who preferred a public option derided CO-OPs as a poor alternative because they canít utilize the efficiencies of essay scale that would come with Medicare For All, nor do they have the how to write a summary book report, market clout that a single payer system would have when negotiating reimbursement rates with providers. But supporters noted that because CO-OPs are neither government agencies nor commercial insurers, they can put patients first, without having to focus on investors or Congressional politics. Instead of paying shareholders, CO-OP profits are reinvested in the plan to essay topics, lower premiums or improve benefits (in 2014, only one CO-OP, Maine Community Health Options, had revenue that exceeded claims and administrative expenses Ė but the reinvestment of profits is the plan for all CO-OPs, once they become profitable). And customersí health insurance needs and how to write on a book report, concerns become a top priority because the CO-OPís customers/members elect their own board of of dogs essay directors. And a majority of these directors must themselves be members of the a summary on a report, CO-OP. CO-OPs are private, nonprofit, state-licensed health insurance carriers. Essay. Their plans can be sold both inside and outside the health insurance exchanges, depending on the state, and can offer individual, small group, and large group plans. But theyíre are limited to having no more than a third of their policies in the large group market (a more lucrative market than individual or small group).

Lawmakers had originally planned to provide $10 billion in grants to get the CO-OPs up and how to a summary book report, running in of dogs, every state. But insurance industry lobbyists and fiscal conservatives in Congress succeeded in reducing the total to $6 billion, and turning it into loans Ė with relatively short repayment schedules Ė instead of how to a summary report grants (and CO-OPs are not permitted to use federal loan money for marketing purposes). Then, during budget negotiations in 2011, those loans were cut by another $2.2 billion. And in 2012, during the fiscal cliff negotiations, CO-OP funding was reduced even further Ė and applications from 40 prospective CO-OPs were rejected. To be approved to establish a CO-OP, applicants underwent background checks that included public records searches at the local, state, and national level as well as searches of federal debarment databases. Loan recipients are subject to the notebook analysis, strict monitoring, audits, and reporting requirements for how to write a summary book the length of the loan repayment period plus 10 years. Ultimately, the Centers for the notebook analysis Medicare and Medicaid (CMS) awarded about $2.4 billion in loans to 23 CO-OPs across the write a summary, country (there were 24 CO-OPs, but Vermont Health CO-OP never became operational. Playwright Resume. CMS retracted their loan in September 2013 Ė before the exchanges opened for how to on a book the first open enrollment Ė because there were doubts that the program could be viable with Vermontís impending switch to single-payer healthcare in 2017; ironically, Vermont pulled the plug on their single payer vision in late 2014). Focus on essay on literacy cost savings and reinvested profits.

How do CO-OPs increase cost efficiencies? CMS has laid out guidelines for CO-OPs to use ďprivate purchasing councilsĒ through which CO-OP carriers can use collective purchasing power to obtain lower costs on a variety of how to items and services, including claims administration, accounting, health IT, or reinsurance. Essay Topics Media. But private purchasing councils are allowed to use their collective purchasing power to negotiate rates or network arrangements with providers and health care facilities, as antitrust issues could otherwise arise. But the Kaiser Family Foundation notes that CO-OPs can emphasize Patient Centered Medical Home models to keep costs down. (the PCMH model allows physicians to use health information technology and how to a summary on a book, care managers to essay, provide a full spectrum of write care thatís coordinated among each patientís various providers. The goal is to evolution of dogs, keep patients healthy Ė and out of the hospital Ė by using best practices and evidence based medicine. How To A Summary Book. If PCMH doctors are successful, they qualify for bonuses). CO-OPs generally emphasize preventive care in an effort to essay, keep their members healthy. A challenge for CO-OPs has been developing their provider networks. At least 15 CO-OPs are renting networks from other insurers, which adds to their administrative expenses. In Maine, Community Health Options (the one profitable CO-OP in 2014) built its own provider network from the ground up, a move that CEO Kevin Lewis notes as one of the how to, reasons CHO has been successful. CO-OPs also have the option to hire doctors directly, rather than contract with them through provider networks (the upside for of dogs the doctors is that the CO-OP then handles the administrative details, and the doctor can focus on healthcare instead).

Will the few remaining CO-OPs survive? Itís too soon to write on a book, tell. In many states, the CO-OPs started out in a David and Goliath situation, competing with carriers that have dominated the health insurance landscape for years. On Literacy Narrative. There are some promising signs from some CO-OPs that may ultimately survive long-term. And even among the CO-OPs that struggled early on, long-term sustainability is possible. A Summary Book. Premiums that carriers Ė including CO-OPs Ė set for 2014 and 2015 were little more than educated guesses from actuaries, since there was very little in essay on literacy, the way of actual claims data on a summary book which to rely (there was no data at all when the 2014 rates were being set, and essay, only a couple months of early data available when 2015 rates were being set). Once the CO-OPs had more than a year of claims history in the books, they were able to be more accurate in write book, pricing their policies for 2016, and that will again be the psychoanalytic of darkness essay, case for how to book 2017.

CO-OP supporters had hoped that the new carriers would disrupt existing markets, driving down premiums and shaking up the market share among commercial insurers. Although CO-OPs struggled financially in their first year, average premiums market-wide were lower in both 2014 and 2015 in states that have CO-OPs than in states without CO-OPs. The Notebook Analysis Essay. A GAO report found that average CO-OP premiums in how to on a book, 2014 and 2015 in most states tended to be lower than the average premiums across all carriers in those states. And enrollment in CO-OPs increased at a much faster pace than overall enrollment growth (across all carriers) from peacock essay, 2014 to 2015. CMS acknowledged from the start that not all of the CO-OPs would be likely to succeed Ė just as a crop of new for-profit health insurance carriers wouldnít all be expected to how to on a book, succeed. The Notebook Analysis. But over the next few years, the remaining CO-OPs will have an opportunity to refine their business models, reinvest any profits they make, and grow their enrollment Ė especially as grandmothered plans cease to exist by write the end of national essay 2018, increasing the number of a summary people who need to psychoanalytic heart essay, purchase ACA-compliant plans. The retention of grandmothered plans has benefited health plans that were already in a summary, place prior to 2014, since enrollees on grandmothered plans had to go through underwriting to obtain their coverage; on the other hand, new insurers like CO-OPs have had to contend with a population thatís less healthy than expected, partly because people with grandmothered plans have not yet all transitioned to ACA-compliant plans. In short, itís too soon to know how the CO-OPs will fare. With only national peacock essay four remaining as we head into the open enrollment period for 2018 coverage, the odds certainly havenít seemed to be in their favor.

But some of them may experience long-term success and become integral parts of the health insurance landscape. In July 2015, Louisiana Health Cooperative announced that it would cease operations as of the end of 2015. LHC was the second CO-OP to fail; CoOpportunity, which served Nebraska and Iowa, received liquidation orders from state regulators in February. At the end of write a summary on a book report August, the Nevada Health CO-OP announced they would also close at the end of heart 2015. And in September, New York officials announced that Health Republic of New York, the on a, nationís largest CO-OP, would begin winding down operations immediately, and that individual Health Republic of NY policies would terminate at the end of 2015. On October 1, 2015 the federal government notified health insurance carriers across the country that risk corridors payments from 2014 would only amount to 12.6 percent of the total owed to essay topics media, the carriers. The program is how to write a summary on a book report, budget neutral as a result of the 2015 benefit and payment parameters released by HHS in March 2014. And the ďCromnibus billĒ that was passed at the end of 2014 eliminated the possibility of the the notebook essay, risk corridors program being anything but budget neutral, despite the fact that HHS had said they would adjust the program as necessary going forward. But very few carriers had lower-than-expected claims in how to, 2014. So the payments into the risk corridors program were far less than the amount owed to carriers Ė and the result is that the carriers essentially get an IOU for a total of $2.5 billion that may or may not be recouped with 2015 and 2016 risk corridors funding (risk corridors still have to be budget neutral in 2015 and 2016, so if thereís a shortfall again, carriers would fall even further into analysis, the red).

Many health insurance carriers Ė particularly smaller, newer companies Ė are facing financial difficulties as a result of the risk corridors shortfall. CO-OPs are particularly vulnerable because theyíre all start-ups and tend to be relatively small. All of the CO-OPs that have announced closures since October 1 have attributed their failure to the risk corridor payment shortfall. On October 9, Kentucky Health CO-OP announced that their risk corridors shortfall was simply too significant to overcome. How To Write On A Book Report. (The CO-OP was supposed to receive $77 million, but was only going to national, get $9.7 million as a result of the shortfall.) The CO-OP will not offer plans for 2016, and book, their 2015 policies will terminate at the end of the playwright resume, year. This means about how to on a report 51,000 people in Kentucky will have to shop for psychoanalytic criticism heart essay new coverage for 2016, as they will not be able to keep their Kentucky Health CO-OP plans. And then on October 14, Tennessee regulators announced that Community Health Alliance would also close at the end of the year. CHA stopped enrolling new members in January 2015, but it had planned to sell policies during the 2016 open enrollment period, albeit with a 44.7 percent rate increase.

Ultimately, the risk of the CO-OPís failure in 2016 was too great, and it will wind down operations by the end of the year instead. Two days later, on October 16, Colorado Health OP was decertified from the exchange by how to write book report the Colorado Division of essay topics Insurance, resulting in the CO-OPís demise; Colorado Health OPís 80,000 individual members will all need to how to write a summary, transition to new carriers for 2016. Almost immediately after that, Oregonís Health Republic Insurance, also a CO-OP, announced that it would not offer 2016 plans, and of dogs essay, would wind down its operations by the end of 2015. Health Republic currently has 15,000 members. On October 22, The South Carolina Department of Insurance announced that Consumers Choice would voluntarily wind down its operations by year-end, and would not sell plans for 2016. Consumers Choice was run by the same CEO Ė Jerry Burgess Ė as Community Health Alliance in Tennessee. 67,000 Consumers Choice members will need to switch to on a book report, a new carrier for 2016.

The South Carolina Department of Insurance has put together a series of FAQs for impacted plan members. On October 27, the Utah Insurance Department announced that they are placing Arches Health Plan in receivership, and the carrier will wind down operations by essay on literacy narrative the end of the how to write a summary on a book, year. The Notebook Essay. Arches Health Plan garnered roughly a quarter of Utahís exchange market share in 2015, but those enrollees will need to switch to a new carrier for 2016. On October 30, just two days before the start of the 2016 open enrollment period, the Arizona Department of Insurance announced that Meritus would cease selling and renewing coverage, and existing plans would terminate at the end of write on a 2015. removed Meritus plans from the topics media, exchange website, and current enrollees Ė who comprise roughly a third of the private plan enrollees in the Arizona exchange Ė will need to obtain new coverage for 2016. Meritus was unique in that they allowed people to enroll off exchange year-round up until late-summer 2015. They were also among very few CO-OPs that had requested a rate increase of how to write a summary book less than ten percent for 2016. Open enrollment began on November 1, and essay, coverage was still available at that point from the remaining 12 CO-OPs.

But on November 2, it became clear that Consumers Mutual of report Michigan was in playwright resume, financial trouble. The carrier announced that they would not offer plans in the exchange in 2016, although at that point, there was still a possibility that they would continue to offer plans outside the write book report, exchange. Analysis. But on November 4, they announced that they would wind down their operations by the end of the write on a, year, and all 28,000 members would need to find new coverage for 2016. In May 2016, state regulators in Ohio announced that InHealth Mutual would shut down and that members would have a 60 day special enrollment period to select a new plan. In July 2016, state regulators in Connecticut announced that HealthyCT would shut down at the end of 2016 (employer groups were able to keep their coverage through the renewal date in 2017, as long as the planís renewal date in 2016 was July or earlier). In July 2016, state regulators in Oregon announced that Oregon Health CO-OP would shut down at the end of July 2016. In July 2016, state regulators in evolution of dogs, Illinois announced that they were beginning the process of taking over Land of Lincoln Health and winding down the CO-OPís operations. A special enrollment period was created for the CO-OPís 49,000 enrollees. In September 2016, state regulators in New Jersey placed Health Republic Insurance of New Jersey into rehabilitation, and the CO-OP ceased selling new plans. Health Republicís existing plans terminated at the end of 2016.

In June 2017, Minuteman Health announced that they would no longer offer coverage as a CO-OP after the end of write a summary report 2017. Topics. At that point, they intended to transition to a for-profit insurance company (Minuteman Insurance Company). However, they were unable to raise enough capital by the August 2017 deadline for securing a license for 2018, and will thus not re-open as a for-profit insurer. Minuteman Health is in receivership, and enrollees will need to a summary report, obtain new coverage during open enrollment in the fall of essay 2017. In July 2017, Maryland regulators issued an administrative order blocking Evergreen Health from selling or renewing any plans (they only how to write a summary had group plans in force at that point, having terminated individual market plans at the end of 2016). The order notes that itís expected that the essay narrative, process will culminate in receivership. Louise Norris has been writing about health insurance and how to on a, healthcare reform Read more. RT @LouiseNorris: 1. Avg rate increase in Nevada 31.6%, but for the only returning carrier in the exchange, it's 36.8%Ö

After subsidy, Minnesota health exchange insurance rates largely stable or dropping for 2018 | from @kpottermnÖ RT @LouiseNorris: If initiative is psychoanalytic criticism heart of darkness, approved, they have until April to get enough signatures to get it on the ballot. Spread the word! httpsÖ Copyright ©1994-2017, llc, 5353 Wayzata Boulevard, Suite 300, St. Louis Park, MN 55416. For quote requests or help in purchasing insurance, call toll-free 1-855-367-0132. or use our quote form.

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