The Insurance Industry's Contribution To Community Development
Impact The Insurance Industry’s Contribution to Community Development Also Inside: Helping Haiti —The Industry’s Response
I.I.I. Members ACE USA Acuity Aegis Insurance Services Inc. Allianz of America, Inc. Allied World Assurance Company Allstate Insurance Group American Agricultural Insurance Co. American Family Insurance American Reliable Insurance Amerisafe Insurance Group Argonaut Group Arthur J. Gallagher & Co. Aspen Re Auto Club South Insurance Company Beazley Group plc Bituminous Insurance Companies Catholic Mutual Group Catlin U.S. Century Surety Company Chartis Chubb Group of Insurance Companies Church Mutual Insurance Company CNA COUNTRY Financial CUMIS Insurance Society, Inc. DeSmet Farm Mutual Insurance Company of South Dakota Dryden Mutual Insurance Company EMC Insurance Companies Employers Insurance Company Enumclaw Insurance Group Erie Insurance Group Farmers Group, Inc. GEICO Gen Re Germania Insurance Grange Insurance Companies GuideOne Insurance The Hanover Insurance Group Inc. Harbor Point Re The Harford Mutual Insurance Cos. Harleysville Insurance The Hartford Financial Services Group Holyoke Mutual Insurance Company The Horace Mann Companies Ironshore Insurance Ltd. James River Group, Inc. Liberty Mutual Group Lloyd’s Lockton Companies Magna Carta Companies Marsh Inc. Max Capital Group MetLife Auto & Home Michigan Millers Mutual Insurance Co. Millville Mutual Insurance Company Missouri Employers Mutual Insurance Munich Reinsurance America, Inc. Nationwide New York Central Mutual Insurance The Norfolk & Dedham Group Ohio Mutual Insurance Group OneBeacon Insurance Group PartnerRe Pennsylvania Lumbermens Mutual Insurance Company Providence Mutual Fire Insurance Co. Scor U.S. Corporation SECURA Insurance Companies Selective Insurance Group State Auto Insurance Companies State Compensation Insurance Fund of California State Farm Mutual Automobile Insurance Company The Sullivan Group Swiss Reinsurance America Corporation Travelers Unitrin Property and Casualty Insurance Group USAA Utica National Insurance Group West Bend Mutual Insurance Company Westfield Group W. R. Berkley Corporation XL Capital, Ltd. Zurich North America Ordinary People, Extraordinary Efforts R eaders of impact know that most of our stories cover how the insurance industry is proactively engaged in a variety of community improvement projects, either in its own backyard or across continents. This issue highlights the industry’s reaction to the devastating earthquake that struck Haiti on January 12, 2010. Our feature article summarizes the efforts of the industry to help those affected by the quake. We have also included two separate stories — one about State Farm’s team effort to support Haitian relief efforts and the other about an individual from Swiss Re, a native of Haiti, who turned a personal ordeal into something positive. But even in ordinary, disaster-free, day-to-day life, there are still many people in need and numerous efforts spearheaded by the industry to help them. ACE Group’s alliance with food banks in the Feeding America network to support hunger relief efforts is improving the quality of life for families impacted by the economic downturn. Efforts range from packing food for distribution to needy families to making grants to sustainable agriculture and microfinance programs. And Nationwide’s longstanding partnership with the American Red Cross on multiple levels and through numerous programs strengthens Red Cross services and its core of volunteers. In addition to its philanthropy, Nationwide works with local chapters to find opportunities for company leaders to serve on boards and for volunteers to donate their time. Each year, Horace Mann sponsors the Abraham Lincoln Fellowship to provide 50 educators the opportunity to learn more about the life and legacy of our 16th president. The Fellowship covers expenses related to their study of a curriculum created by the presidential library, including round-trip transportation, lodging and most meals. For nearly 90 years, State Auto Group has earned a reputation for giving back to the communities it serves. The company offers employees the opportunity to invest their time in a charitable organization of their choice through the “Invest a Day” program, where employees are offered one paid day per year to volunteer with an eligible organization. Nearly 500 days have been invested since the program was introduced in 2008. And in addition to sponsoring a military home makeover featured on ABC-TV’s “Extreme Home Makeover,” USAA is ensuring a military family’s financial needs are met by paying off the mortgage and providing money to establish college savings accounts for the family’s three children. We hope you enjoy these stories and welcome your comments. Inside: Helping Haiti. 3 Harrowing Ordeal in Haiti . 4 Outstanding Team Effort!. 7 A Military Home Makeover. 11 A Unique Approach to Corporate Citizenship. 12 Insuring Progress by Partnering to Reduce Poverty and Hunger . 15 “Invest a Day”. 17 Sharing the Life of Lincoln with Educators. 18 Summer 2010 Vol. 16 No. 1 Impact is published by the Insurance Information Institute, 110 William Street, New York, N.Y. 10038; 212-346-5500. Editor: Diane Portantiere; 2010 Insurance Information Institute, www.iii.org Cover: Nationwide Insurance is dedicated to supporting Red Cross disaster relief efforts across the country. For more, see the story on page 12. Photo courtesy of Nationwide.
Helping Haiti O n January 12, 2010 an earth- ACE GROUP providing ongoing emergency relief quake with a magnitude of In response to the appeal for dona- and assistance to Haiti. 7.0 at its epicenter struck 15 tions following the earthquake in miles west of Port-au-Prince, Haiti. Haiti, the ACE Group, through the AETNA FOUNDATION The quake, which the USGS called ACE Charitable Foundation, donated Aetna Inc.’s Aetna Foundation pro- the strongest earthquake since 1770 250,000 to the American Red Cross vided 10,000 grants to each of six in what is now Haiti, sent 59 after- Haiti Relief Development Fund. In organizations to help fund their shocks ranging in magnitude from addition, more than 700 ACE employ- relief efforts. In addition, Aetna 4.2 to 5.9. The death toll is estimated ees contributed more than 60,000 to employees pledged 25,000, which to be between 250,000 and 300,000 the Red Cross and Red Crescent was matched by the Aetna Foundation with over 3 million people displaced. Societies. These employee donations dollar-for-dollar for an additional As with most disasters, the insurance were matched dollar-for-dollar 25,000. industry stepped up to the plate to aid by the ACE Charitable Foundation. the quake victims. Though not every Combined, the ACE Charitable ALLSTATE story could be chronicled, here is a Foundation and ACE employees The Allstate Foundation made a look at the different efforts undertaken have made more than 370,000 in 50,000 donation to the American by those in the industry. donations, which have been vital in Red Cross to assist with humanitar- 3
Harrowing Ordeal in Haiti Ends in Joyful Family Reunion and Reinvigorated Charitable Foundation E zechiel Dominique, who in-law had died in the earthquake, Dominican Republic and then made leads IT Testing Services at crushed by the rubble of a fallen an 11-hour drive to Port-au-Prince, Swiss Re, can be described house. Naturally, his family was dis- encountering both rocky terrain and traught. bribe-seeking border patrol officials in many ways: talented technology professional, hard-working colleague, along the way. When he arrived, took a turn he could hardly have he found both his ailing mother-in- — including his grateful mother- envisioned, in the form of a return law and countless others in need, in-law — would add “selfless hero” phone call from the same family including a cousin he also presumed to those descriptions. Certainly, he friend hours later with the miracu- had died in the catastrophe. has proven adept at generating a lous news that his mother-in-law tremendous amount of good out of a had been found alive amid the dehydrated and had lost half her horrible situation. rubble. Apparently, she had been on body weight; his immediate goal the top floor of the house and, as a was to transport her back to the result, was spared a horrible fate. United States. But, he couldn’t shake Dominique, who works in the company’s office in Armonk, New York, is a native Haitian whose However, she was injured badly. Dominique’s mother-in-law was loose the images of Haiti — lifeless family immigrated to the United She had numerous broken bones bodies in the streets, rubble where States when he was 16 to escape the and suffered the ill effects of hav- there had once been buildings, and oppressive regime of Haiti’s ruth- ing been trapped in debris for more injured people with nowhere to turn less former ruler, Jean-Claude “Baby than 24 hours. for help. Doc” Duvalier. He was devastated Despite protests from his fam- Once Dominique and his when he learned of the horrendous ily, including his wife, Dominique mother-in-law returned home the earthquake that rocked Haiti on — who is also trained as a registered following day for a tearful, joyful January 12. nurse — decided he would travel to family reunion, the events inspired Haiti to treat and rescue his mother- him to retool a nonprofit organiza- ly hard because his mother-in-law, in-law. There was a complication, tion he started several years ago, the a United States resident, was visit- however: airlines in the United Help Educate a Child Foundation ing Haiti at the time. Despite their States were non-committal regard- (HEACF). According to Dominique, tireless efforts, Dominique and his ing when they would resume flights HEACF is dedicated to improving wife’s fear grew as they could not to Haiti. That night, 72 hours after the lives of children in Haiti by make contact with her. Soon after, a the earthquake and armed only with helping with medical and dental former neighbor from Haiti called to 5,000 in cash and the clothes on care, education assistance, new inform Dominique that his mother- his back, Dominique flew to the clothing and shoes, financial sup- The news hit his family especial- 4 That’s when Dominique’s life devoted family man. Many people ian relief efforts. Additionally, the AMERICAN FAMILY campaign include: 560 individual Foundation matched every dollar American Family Insurance, its donations totaling more than 70,000, that employees contributed up to an employees and agents contributed all of which was matched by the com- additional 50,000, for a total commit- more than 150,000 to Haiti earth- pany. These donations went to 67 ment of 100,000. quake recovery efforts. Results of the designated relief organizations and the
friends in Haiti and knew I needed non-profit organization is focused on CHUBB GROUP OF INSURANCE COMPANIES to do something,” said Dominique. providing high-quality health care to The Chubb Corporation established “Because I’m an individual, I’m impoverished areas around the world. a 500,000 fund for disaster relief able to help people in a more “This was a team effort from employ- efforts related to the earthquake in direct way than large organizations ees and agents across the country who Haiti. Chubb contributed 125,000 such as the Red Cross. This has showed an outpouring of care and to Doctors Without Borders and become a very active cause for me compassion,” said Rick Fetherston, 125,000 to Share Our Strength in a matter of weeks. I’ve spoken vice president of public relations. “It’s for relief efforts connected to the at several churches and am doing a proud moment for all of us.” catastrophe. In addition, the insurer port and much more. “I still have a lot of family and earthquake to the Haitian chapter of Partners in Health. The U.S.-based matched employee contributions to what I can to get the word out.” AON qualified relief organizations on a touched by the support of his Swiss Aon joined with the Red Cross to two-for-one basis, up to 250,000. Re colleagues. support international relief efforts If total employee donations exceed aimed at easing the suffering of survi- 125,000, Chubb will continue to tions from many of my Swiss Re vors. Aon donated 100,000 directly match those employee dollars on a coworkers, which was entirely to the Red Cross Haiti Relief and dollar-for-dollar basis. unexpected and completely appre- Development Fund to provide imme- ciated,” he said. “My colleagues diate relief and long-term support CIGNA and supervisors are also providing to those in need through personnel, The CIGNA Foundation, part of wonderful emotional support, and financial assistance and relief sup- Philadelphia-based CIGNA Corp., my immediate boss gave me the plies. Every dollar will go directly to donated 50,000 to the American Red opportunity to go to Haiti when I the relief effort. Aon also set aside up Cross and said it would match anoth- needed to go there.” to 300,000 in additional funds to er 50,000 in employee donations. Dominique is especially “I’ve already received dona- More information on HEACF can be found at http://www. match colleague contributions to the relief effort. heacf.org. CHARTIS CPCU SOCIETY CPCU Society established a special New York-based Chartis, Inc., fund to aid victims and matched American International Group, Inc.’s donations up to 25,000. The property/casualty unit, matched CPCU Society Haiti Emergency Relief employee donations, with contribu- Fund will contribute to the Clinton tions going to the American Red Bush Haiti Fund. “The Society’s Cross, the International Red Cross members hold a vast array of posi- and the International Red Crescent. tions in the property and casualty Chartis’ senior management personal- insurance industry, including as ly committed a minimum of 50,000 agents, brokers, underwriters, risk to kick off the drive. Chartis also held managers, adjusters, accountants and an employee fundraising drive to attorneys,” explained Society Chief benefit these three organizations. In Executive Officer James R. Marks. addition, Travel Guard, a travel insur- His membership, he said, is “keenly top three recipients were American ance unit of Chartis located in Stevens sensitive to tragic events and deeply Red Cross, Partners in Health and Point, Wisconsin, extended help to sympathetic with the suffering of the Salvation Army. The 150,000 total any American traveler, regardless of Haitian people. The establishment of also includes the 10,000 American whether they carried Travel Guard the CPCU Society Haiti Emergency Family pledged shortly after the insurance. Relief Fund, as it is called, is a vehi- Photo of Ezechiel Dominique courtesy of Swiss Re. 5
FARMERS INSURANCE GROUP edented event,” said Michael Browne, Los Angeles-based Farmers Insurance of Harleysville Insurance. “As our CRAWFORD & CO. Group contributed 25,000 to the employees have shown many times Atlanta-based claims services American Red Cross. in the past and here again, they are cle for them to express their great concern about the Haitians’ plight.” provider Crawford & Co. contrib- indeed ‘good people to know’ for the uted 10,000 to Doctors Without FIREMAN’S FUND way they have supported these impor- Borders/Medecins Sans Frontieres, an Fireman’s Fund and its employees tant relief efforts.” international medical humanitarian donated 67,816 to the American Red organization, to aid the group’s medi- Cross for Haiti relief efforts. cal relief efforts in Haiti. ERIE INSURANCE 6 president and chief executive officer HARLEYSVILLE INSURANCE INDEPENDENT INSURANCE AGENTS & BROKERS The Independent Insurance Agents & Joining companies around the Brokers of America donated 5,000 Since 2000, Erie Insurance has part- globe, Harleysville Insurance and its to the American Red Cross from its nered with the Erie Chapter American employees have combined to donate Trusted Choice Disaster Relief Fund. Red Cross through the “Serving 52,428 toward the ongoing efforts Together” program. The company, to assist those impacted by the earth- its employees, and agents teamed quake that struck Haiti in January. up again for International relief for Corporately, Harleysville pledged INSURANCE INDUSTRY CHARITABLE FOUNDATION (IICF) the Haiti disaster. “Our employees 10,000 to the relief efforts and the The Insurance Industry Charitable began asking how they could help company also matched every dollar Foundation (IICF) awarded grants to immediately after hearing of the employees donated to charitable orga- two organizations that are providing Haiti disaster,” said Terry Cavanaugh, nizations that benefit the situation relief in Haiti. The International Rescue president & CEO, Erie Insurance. in Haiti. Employees made individual Committee (IRC), with 75 years of “Our company and Board of Directors donations totaling more than 13,000 expertise in emergency response, sent quickly made the decision to offer to a variety of non-profit organizations a team of experts to Haiti to provide a matching gift for employees and and contributed more than 7,000 relief to the devastated country. World agents up to 100,000 and make a through employee fundraisers, one of Cares Center, an organization that corporate donation to the Haiti Relief which gave them the opportunity to supports local community members as Fund.” Donations will support the wear jeans to work during a week in resilient first responders, is partnering American Red Cross International January in exchange for a 10 dona- with other groups to provide assis- Response Fund Haiti Relief, which tion. The bottom-line result is that tance to Haiti community groups and provides supplies, mobilizes relief the company matched a total of more also support to those in this country workers and provides financial than 20,000, in addition to making with family and friends in Haiti. Both resources. Serving Together, the its 10,000 donation. The total will be organizations are seeking additional Erie Insurance American Red Cross split evenly between the American Red contributions for these disaster pro- Volunteer Network, is a companywide Cross, AmeriCares, UNICEF and the grams. “As an industry foundation, we initiative that matches Erie Insurance United Way Worldwide Disaster Fund. can marshal our resources and make a volunteers with American Red Cross “The sheer intensity of this natural difference through outstanding organi- chapters across its marketing territo- catastrophe has given rise to a united zations like the IRC and World Cares ries. It provides an opportunity for effort within the global community Center. IICF is encouraging our mem- Erie Insurance employees and agents to reach out and help those who have ber companies to give as generously as to partner with American Red Cross suffered loss. As an organization, it they can to IRC, World Cares Center, chapters to help people in times of is important that Harleysville does or to other reputable relief organiza- need and assist in disaster prepared- its part to support those whose lives tions,” said Elizabeth Myatt, New York ness education. have been disrupted by this unprec- executive director of the IICF.
Outstanding Team Effort! S tate Farm employees and agents participated in Employee Resource Group (ERG) in the Ballston Spa Haitian relief efforts in several areas around the Operations Center (Northeast Zone) collected 937 in United States and Canada. employee donations for the ARC and 1,500 pounds of State Farm agents Enette Henderson and Michele Belizaire rallied other South Florida agents to get clothing for earthquake victims in Haiti. New agent Michelle Benson, Chesapeake, Virginia, involved with Haiti Relief. The effort also involved decided to hold a fundraiser for quake victims dur- employees and employee resource groups. Everyone ing her grand opening. “We wanted to demonstrate teamed up across Florida to help. the importance of being a good neighbor here and Within a month and a half, the State Farm Florida Zone had collected about 35 truckloads of medical sup- abroad,” she said. “We raised 1,500 for Haiti relief.” In Canada, agents Michael and Gordon Tessier, plies, clothing and food for people in Haiti. The Zone Grimsby and St. Catharines, Ontario, respectively, worked with more than 10 non-profit organizations embarked on their own personal relief mission to Haiti to sort, pack and load supplies. Agents also worked to help the devastated quake victims. The brothers with other businesses in the relief effort. Employees flew their own private plane laden with medical and agents around the state made donations to the supplies donated by friends, family and a local doctor American Red Cross (ARC). Agent Chris Bogue, West and pharmacist. Palm Beach, went to Haiti for a week to help build State Farm as a company has long been a corporate hospital tents. Agent Larry Lee Jr. of Fort Pierce worked sponsor of the ARC, and makes an annual donation with a policyholder and a local bank to set up a of 1 million at the beginning of each year to the Treasure Coast Haiti Relief Fund that raised more than American Red Cross’ Disaster Relief Fund so that the 30,000 for the ARC. organization can immediately respond to pressing Up the coast, the African American Forum needs when they arise. From L to R: Michelle Benson, State Farm agent, and her staff, Renita Boone, Kameron Anderson, Pam Sangaran, and Terri Brown, present a check to Fred Rose of the American Red Cross. Photo courtesy of State Farm. 7
INSUREMYTRIP.COM LOCKTON INSURANCE BROKERS be matched by the company, subject InsureMyTrip.com and travel medical provider HCC Medical Lockton Associates have donated maximum. Donations to the follow- Insurance Services L.L.C. launched more than 16,000 through a Lockton ing organizations are eligible for the a special initiative providing a 20 San Francisco client, World Vision company match: American Red Cross, percent discount on medical and evac- International, as well as other relief AmeriCares, UNICEF and Clinton Bush uation coverage for U.S. travelers that organizations. The Kansas City office Haiti Fund. headed to Haiti to aid in relief efforts. raised an additional 55,000 for Global LIBERTY MUTUAL GROUP Orphan Project’s Haiti Relief fund, NATIONWIDE making the total raised more than The Nationwide Insurance Foundation 71,000. announced an initial donation of Liberty Mutual Group’s total contri- 150,000 to the Red Cross Haiti bution to Haitian relief efforts stands MARSH (MMC) Disaster Relief Fund. Additionally, the at just over 813,000. This includes MMC committed 25,000 to the Foundation matched donations from about 534,000 (initial company International Response Fund of the Nationwide employees to the United contribution of 250,000 and a American Red Cross to help with relief Way Worldwide Disaster Fund— match on employee contributions and recovery efforts. which is aiding the rebuilding process of more than 284,000) that Liberty 8 to an overall company contribution in Haiti. To date the Nationwide Mutual Group contributed to the MUNICH RE Insurance Foundation has matched American Red Cross and more Munich Re joined in the worldwide more than 71,000 in donations from than 278,000 that employees con- effort to aid victims of the devastating its employees for a total donation tributed to Haitian relief efforts of earthquake in Haiti. The MRAm relief of 142,956.48 to the United Way their choice. plan allows financial donations to Worldwide Disaster Fund. “It’s impos-
sible to see the devastation in Haiti to recognize the generosity of our efforts demonstrated by these five and not want to act,” said Nationwide agents and employees by raising the organizations. We are pleased to be CEO Steve Rasmussen. “We hope our match limit to 300,000.” Coupled in a position to assist them and Haiti gift, along with those of others across with its previous gift of 100,000, during this most challenging recovery the country, will help the American New York Life and its employees and effort.” Red Cross bring the much needed agents are now poised to contribute relief to the people of Haiti.” The Red up to 700,000 toward food, water, Cross Disaster Relief Fund will support medical supplies and shelter for the PHILADELPHIA INSURANCE COMPANIES long-term recovery efforts to rebuild millions affected by the earthquake. Philadelphia Insurance Companies lives and infrastructure devastated by In addition to the Red Cross, the presented the American Red Cross the disaster and address educational, company has identified seven other with a 50,000 donation, teaming up financial and health-related challenges groups that are playing a major role with local Philadelphia television sta- faced by the Haitian people. “We’re in the relief effort: AmeriCares, CARE, tion CBS for “Operation Brotherly very pleased that the Nationwide Heart to Heart International, Save the Love Help for Haiti.” Insurance Foundation is able to sup- Children, United Nations World Food port associates who choose to help Program, UNICEF and United Way Haiti through the United Way by Worldwide Disaster Fund. Employees RISK AND INSURANCE MANAGEMENT SOCIETY matching their contribution dollar-for- and agents can designate any The Risk and Insurance Management dollar,” said Chad Jester, president of organization or combination of orga- Society made a 10,000 donation to the Nationwide Insurance Foundation. nizations to receive funds, and the the Red Cross. “Together we can make a greater company will match the contribution impact on the lives of those impacted dollar-for-dollar. by the earthquakes.” NEW YORK LIFE ONEBEACON SELECTIVE INSURANCE GROUP The Selective Group Foundation The OneBeacon Charitable Trust announced a 10,000 contribution to New York Life Insurance Company announced a donation of 48,000 allo- help aid earthquake relief efforts in increased its donation to Haiti cated to five nonprofit organizations Haiti. “The devastating earthquake in earthquake relief efforts by rais- assisting in the ongoing humanitarian Haiti has affected millions of people ing the company match amount to relief efforts— the American Red Cross, and caused widespread destruction to 300,000. The company’s promise to Doctors Without Borders, Habitat for homes, hospitals, schools, govern- match all agent and employee dona- Humanity, Partners in Health and ment buildings and roads. The loss of tions is double its earlier amount UNICEF. The contribution consists of a life is unfathomable,” said Chairman, of 150,000 for a potential contri- 5,000 donation to each organization President and Chief Executive Officer bution of 700,000. That amount as well as a dollar-for-dollar match of Greg Murphy. “While the situation is includes a corporate contribution of the 23,000 donated by OneBeacon heartbreaking, there is tremendous 100,000 to the American Red Cross employees, its Hagerty Insurance part- hope in the positive outpouring of in the immediate aftermath of the ners and White Mountains Insurance caring and assistance from individuals earthquake. Ted Mathas, chairman, Group staff. In total, the OneBeacon and organizations across the world.” president and chief executive officer community will donate 71,000, with of New York Life, said, “Our agents almost 30,000 going to the American SWISS RE and employees have always shown Red Cross. Carmen Duarte, a mem- Swiss Re pledged 250,000 Swiss francs extraordinary compassion when ber of the OneBeacon Charitable (approximately 240,000) to support disaster strikes and they’ve already Trust Committee said, “Addressing the rebuilding efforts in Haiti. Further exceeded the 150,000 initial com- the devastating loss and continued donations by employees globally to pany match amount. As the urgent suffering in Haiti is clearly a global their charitable organization of choice need for relief continues for earth- collaboration. The OneBeacon com- will be matched by the company up quake victims in Haiti, we wanted munity deeply admires the relentless to an additional 250,000 Swiss francs. 9
The funds will go to projects that are 500 to the Haitian earthquake relief Cross. For every 5 donation made by sustainable, supporting those that have efforts through the American Red Cross, a Zenith employee, the company will suffered the most, and will be chan- Doctors Without Borders, International donate 10. As a result of their offer, neled through recognized charitable Rescue Committee, Save the Children, approximately 64 percent of Zenith organizations participating to the Haiti UNICEF or the Clinton Bush Haiti Fund, employees elected to make charitable relief and reconstruction effort. Chief and have their contributions matched. donations to the effort. A check for Operating Officer Agostino Galvagni 25,000 representing donations from sobering reminder of the devastating UNITEDHEALTH GROUP INC. force of natural catastrophes and the toll UnitedHealth Group Inc. of Minne- they can exact on humanity. Swiss Re tonka, Minnesota, donated 100,000 to and its employees regard it as a respon-
Haiti, the ACE Group, through the ACE Charitable Foundation, donated 250,000 to the American Red Cross Haiti Relief Development Fund. In addition, more than 700 ACE employ-ees contributed more than 60,000 to the Red Cross and Red Crescent Societies. These employee donations were matched dollar-for-dollar by the ACE Charitable Foundation.
May 02, 2018 · D. Program Evaluation ͟The organization has provided a description of the framework for how each program will be evaluated. The framework should include all the elements below: ͟The evaluation methods are cost-effective for the organization ͟Quantitative and qualitative data is being collected (at Basics tier, data collection must have begun)
Silat is a combative art of self-defense and survival rooted from Matay archipelago. It was traced at thé early of Langkasuka Kingdom (2nd century CE) till thé reign of Melaka (Malaysia) Sultanate era (13th century). Silat has now evolved to become part of social culture and tradition with thé appearance of a fine physical and spiritual .
On an exceptional basis, Member States may request UNESCO to provide thé candidates with access to thé platform so they can complète thé form by themselves. Thèse requests must be addressed to esd rize unesco. or by 15 A ril 2021 UNESCO will provide thé nomineewith accessto thé platform via their émail address.
̶The leading indicator of employee engagement is based on the quality of the relationship between employee and supervisor Empower your managers! ̶Help them understand the impact on the organization ̶Share important changes, plan options, tasks, and deadlines ̶Provide key messages and talking points ̶Prepare them to answer employee questions
Dr. Sunita Bharatwal** Dr. Pawan Garga*** Abstract Customer satisfaction is derived from thè functionalities and values, a product or Service can provide. The current study aims to segregate thè dimensions of ordine Service quality and gather insights on its impact on web shopping. The trends of purchases have
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Le genou de Lucy. Odile Jacob. 1999. Coppens Y. Pré-textes. L’homme préhistorique en morceaux. Eds Odile Jacob. 2011. Costentin J., Delaveau P. Café, thé, chocolat, les bons effets sur le cerveau et pour le corps. Editions Odile Jacob. 2010. Crawford M., Marsh D. The driving force : food in human evolution and the future.
Le genou de Lucy. Odile Jacob. 1999. Coppens Y. Pré-textes. L’homme préhistorique en morceaux. Eds Odile Jacob. 2011. Costentin J., Delaveau P. Café, thé, chocolat, les bons effets sur le cerveau et pour le corps. Editions Odile Jacob. 2010. 3 Crawford M., Marsh D. The driving force : food in human evolution and the future.
