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Review and estimate proposed scenarios for filing usage for the Commission and impact on estimated budget antibiotic resistance genes 50 mg minocin free shipping. This purpose of this proposal is to do antibiotics help for sinus infection discount minocin generic illustrate this best estimate bacteria biofuel 50mg minocin, but will certainly need to change and evolve as the Commission commences its operations, completes further work in the area of national standards and begins to receive and review its first filings in early 2007. The assumptions of this budget proposal contain a measure of uncertainty as to whether the resources will be more or less than adequate during the start-up phase of the Commission. This analysis illustrated filings previously sent to individual states that may be Compact filings in the future, for the 27 Compacting States. Based on this analysis, two projections were developed; one representing those filings most likely to fall within the current National Standards and one representing filings that are likely to fall under the National Standards. Two projections were developed because the old filing types of insurance do not exactly match the Product Coding Matrices or naming conventions of the currently proposed/adopted National Standards. The results of the analysis illustrate that anywhere from 5,300 to 9,400 filings may be made for the current 27 states. If all 50 states were Compact States, the range would likely increase to between 10,200 and 19,200 filings. It is important to note that filing volumes are increasing rapidly and, by the time the Compact is and accepting filings, the numbers could be higher. On the other hand, it is probably realistic to expect that not all standards may be immediately adopted by the Compact, so all filings identified may not be able to be filed with the Compact initially. Furthermore, while it appears some companies anxiously await the ability to file with the Compact, others may take a "wait and see" approach. For purposes of determining appropriate Commission Fees, there are likely two alternatives: (1) a commission fee that applies to each company and each state for which the filing company requests Compact approval, or (2) a fee assessed to each company that wishes to file with the Compact. Interest earned on any interest-bearing account established for the Commission, assuming a money market rate of 2% in 2006, with diminishing cash balances into 2007. Two (2) Senior Life and Health Rate and Form Analysts, estimated at $75,000, are projected to be start December 2006. An estimated merit increase of 4% was used for purposes of projecting 2007 salaries within this budget proposal. Overtime would be paid to Filing Reviewers, if job descriptions are determined to be non-exempt; however, no overtime is assumed in this budget proposal. No hiring of Interns is anticipated within this current budget proposal, though interns might be useful in fulfilling future Compact resource needs. Employee relations may includes incidental employee functions, such as Employee Appreciation Week and/or monthly and quarterly staff meetings. This budget proposal estimates $1,000 in professional dues per staff member beginning in 2007. Professional training represents the registration fees for professional seminars, trade workshops and education programs. Such modifications have been the focus of discussion by the Technology Considerations Working Group. We have not included a budget estimate for this line item for 2007 but this could changes as the Commission makes decisions regarding added functionality. This projection assumes 6 trips in 2006 and 10 trips in 2007 at $600 and $700, respectively. The non-staff travel budget includes (1) Commissioner and/or Management Committee travel expenses including an annual retreat, in-person meetings and interstate compact education and support (2006 - 2 meetings for 14 persons at $600 each; 2007 4 meetings for 14 persons at $700 each); and (2) travel for members of legislative committee and consumer advisory committee for an annual meeting of the Commission (2006 - 1 meeting for 16 persons at $600 each; 2007 - 1 meeting for 16 persons at $700 each). Description Meetings (1) (1) $ 2006 Budget 13,000 $ 2007 Budget 19,500 $ Increase (Decrease) 6,500 Percentage 50. Depreciation would be calculated on a straight-line basis over the useful life of the capital assets owned by Compact, which is five years for furniture and equipment, three years for computer hardware and software, and four years for personal computers. Errors and Omissions coverage is secured to protect against the possible loss resulting from inaccuracies in the information provided in Compact products. Other supplies include (1) Compact Annual Report printing supplies; and (2) miscellaneous operating supplies including supplies ordered for Commission Management Committee presentations. There are no non-capital equipment purchases planned for 2006 or 2007; however, this may likely change as the Commission hires staff with supply and or office equipment needs.

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Birnbaum also stated he had submitted a detailed comment letter with a suggestion the Commission establish independence in key policy areas and hire a general counsel in 2006 to antibiotics video purchase minocin 50 mg free shipping assist the Commission and the Executive Director antibiotic resistance funding buy minocin 50 mg line. Commissioner Koken said one of the first priorities of the Commission was to homemade antibiotics for sinus infection trusted 50 mg minocin hire an executive director and the executive director should be the one that hired his or her own senior staff including a general counsel, if desirable. Musgrove, the Task Force adopted the Plan of Action for recommendation to the Interstate Insurance Product Regulation Commission (Commission). Adopt Proposed Charges for the Interim Compact Commission Committees Commissioner Koken stated one of the recommendations in the Plan of Action was to establish interim committees to start working on the steps needed for implementation of Commission operations. These interim committees included: the Management Committee, the Legislative Committee, the Consumer Advisory Committee, the Industry Advisory Committee, the Audit Committee, the Bylaws Committee, the Executive Director Search Committee, the Rulemaking Committee, the Product Standards Committee, the Technology Implementation Committee, the Web site/Communications Committee, and the Budget/Staffing/Services Agreement Committee. Commissioner Koken said proposed charges for these interim committees had been drafted based on the assumption these committees would be in place only until the Bylaws were adopted. Commissioner Michie asked if these interim committees would be drawn from members of the Management Committee or members of the Commission. Commissioner Koken stated that because of the significant amount of work to be done in the coming months, the interim committees would be composed of all Commission members. Upon motion of Commissioner Kreidler, and seconded by Commissioner Bell, the Task Force adopted the proposed charges for the interim committees for recommendation to the Commission. Adopt Proposed Starting Commission Budgets for 2006 and 2007 Commissioner Koken said the Task Force had been considering the proposed starting budgets for the Commission for 2006 and 2007 prepared by the Legal/Operational Considerations Working Group and Technical Considerations Working Group as a recommendation to the Commission. Waitt asked whether there were ways of funding the Commission other than through grants and contributions or charging of filing fees. Parsons noted the tremendous talents and assets in the regulatory community that could be relied upon during this start-up phase. Commissioner Michie said the recommendation in the 2006 budget to provide $30,000 in general for consumer participation should be reconsidered as it lacked detail and careful analysis. Anderson stated the current line item for consumer participation did not appear consistent with the other budget items as there were no similar budgets for other committees and there were no details as to how the $30,000 would be spent. Anderson suggested that once the committees are formed, each committee, including the Consumer Advisory Committee, could figure out if they need funding and provide a detailed budget to the Management Committee or the Commission. Anderson made a motion, which was seconded by Commissioner Kreidler, to remove the budget line item regarding consumer participation from the 2006 proposed budget and to ask all the interim committees, including the Consumer Advisory Committee, to determine whether they needed funding for their initiatives and to provide a detailed budget with justification for proposed funding. Birnbaum stated the Legal/Operational Working Group recognized the importance of consumer participation and that this funding was essential to effective participation. Commissioner Koken stated she agreed the budget should include reasonable travel expenses for consumers to attend Commission meetings and asked Mr. Birnbaum said the proposal requests funding for more than travel for consumers and that it would include the ability for consumers to hire experts such as actuaries and lawyers to enhance the effectiveness of participation by the consumer representatives. Birnbaum said by keeping a particular line item for consumer participation would send a positive message that the Commission values effective consumer participation. Newton encouraged the Task Force to keep the line item for consumer participation. Commissioner Koken said the Task Force recognized the importance and value of consumer participation and was committed to providing funding for travel for consumer participation. Commissioner Koken said she did not understand the necessity for funding beyond travel expenses. Birnbaum stated there was significant, intensive work to be done over the next six months and that consumers might need to retain particular expertise to provide useful input to the Commission. Birnbaum said this funding might be used by consumers if they need particular legal expertise on the operating procedures or to hire someone to track the activities of all the other committees. Birnbaum stated if the proposal were approved, he would assume the Commission would want a budget before the consumers would spend the $30,000. Terri Vaughan (Drake University) said the other consumer representatives made a good point regarding the tremendous amount of work to be done and urged the Task Force to keep the legislators in mind, as they were an important part of the process. Vaughan stated that if the consumer participation line item was intended to extend beyond reimbursement of travel expenses, then it should not be listed under Travel. Vaughan said the Task Force would be doing a disservice if it singled out the consumers for special funding without taking into consideration the legislators as well. Parachini said that by putting in a general line item for consumer participation was putting the "cart before the horse" as the Commission had not fully defined the roles and responsibilities of the legislative committee or the two advisory committees. Birnbaum had some good points and the Commission should seriously consider a detailed justification for funding but that the current line item did not provide enough detail to determine if the funding was appropriate. Rink, to amend the motion to remove the consumer participation budget line of $30,000 and to increase the non-staff support travel budget line to reflect travel expenses for the members of the consumer advisory committee to travel to at least one meeting in 2006 and two meetings in 2007.

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For property and casualty companies antibiotic resistant gonorrhea 2015 order minocin 50 mg on line, the main one is underwriting risk and for that risk bacteria que se come la piel minocin 50 mg without prescription, amounts are pulled in automatically from Schedule P data antibiotics for dogs ear infection over the counter discount generic minocin canada. For the other types of risks, the formula brings in amounts from other parts of the annual statement. This calculation makes the assumption that not all risks will occur at one time, so it reduces the calculation of the risks. The model specifies what actions the state and company need to take if the company falls into an action level. At present, states would have to adopt the changes to the model act for it to apply. Currently, not many states have adopted it because it is such a recent development. When a company falls into an action level, the regulator should consider the reasons why the failure occurred. This may put a company into a mandatory control level, but Vermont does not believe this is appropriate. Patterson inquired as to whether the model act may give discretion to the commissioner about pursuing action. Continue Discussion on "Holding Company Systems" Part A Accreditation Standard Ms. Patterson reminded the Task Force that it had previously discussed significant element (a) of this standard regarding the definition of control and whether it exists in an entity. The Task Force had not yet come to a consensus on this item and is awaiting a report from the Corporate Governance Subgroup of the Risk Retention (C) Working Group. Patterson questioned whether a member could file a disclaimer of control if it became more than 10% share and believed it did not control. Meyers also noted that per the model act, control can be defined by a management contract. In addition, Hawaii statutes contain a confidentiality provision regarding the filing of holding company statements. This provision states that the commissioner may not disclose these holding company filings to the public unless he obtains prior approval from the licensee. Patterson suggested that a mini-survey be conducted of Task Force members asking what filing requirements of the holding company model act they are applying, if any. She believes this would be helpful, as it would provide the Task Force a good understanding of what has or has not worked in other states. He stated that the requirement is useful for large traditional companies that write property and casualty lines of business. However, captives are much more micromanaged and they are regulated differently from traditional companies. The domiciliary regulator knows a lot about the companies and what they are writing in his/her respective state. She shared that she had attempted to find the origins of the 10% limitation and was unable to do so. White noted that Vermont has adopted this model law; however, it has also added a sentence that requires prior approval from the commissioner for reinsurers that are not compliant. Further, for those reinsurers that do not meet the requirements in the model act, Vermont does not authorize them but approves them to write business; however, these companies must have a minimum net worth of $10 million. Commissioner Hampton noted that the District of Columbia has predominantly the same requirements as Vermont. Jones moved and Commissioner Hampton seconded a motion to adopt the minutes from the conference calls held May 4, 2006 (Attachment One), and May 19, 2006 (Attachment Two). Patterson noted that significant elements (c) through (n) addresses the Risk-Based Capital for Insurers Model Act (#312). Patterson suggested tabling further discussion of this standard to give Task Force members time to review the formula and model, and requested comments related to modifications of the formula or model. Meyers stated that many captive states do not have holding company laws and that much of the model act is triggered by whether there is a controlling member.

This durational gap was combined with a possible 4 percent one-year swing in interest rates (the maximum historical interest rate swing 95 percent of the time) to virus update flash player purchase 50 mg minocin overnight delivery produce a pre-tax factor of 0 antibiotic ointment for cats cheap minocin 50 mg with mastercard. In addition to antimicrobial washcloths order generic minocin canada the 50 percent loading discussed above, the risk-based capital pre-tax factor is 0. The C-3 requirement after taxes is 50 percent of the excess, if any, of book/adjusted carrying value above current call price. Because of the widespread use of increasingly welldisciplined scenario testing for actuarial opinions based upon an asset adequacy analysis involving cash flow testing, it was determined that a practical method of measuring the degree of asset/liability mismatch existed. Specific Instructions for Application of the Formula Lines (2) through (16) these lines deal with Certain Annuities and Single Premium Life Insurance products for which reserves were cash flow tested for asset adequacy. The fixed portion of equity-based variable products should not be included in Lines (18) through (31). Lines (18) through (31) these lines cover: (a) the remaining company business that was not cash flow tested for asset adequacy (see Appendix 1 for details) excluding products included under the "Recommended Approach for Setting Risk-Based Capital Requirements for Variable Annuities and Similar Products" and (b) Business in companies that did not cash flow test for asset adequacy. The calculation for risk-based capital should not include unitized separate accounts without guarantees even though they may be included in Item 32 of the Notes to Financial Statements. The provisions for these credits to C-3 requirements is provided in the Separate Accounts section of the risk-based capital instructions. Experience-rated pension contracts defined below should be excluded from "annuity reserves with fair value adjustment" and "annuity reserves not withdrawable. Experience-rated group and individual pension business that meets all of the following four conditions is excluded from C­3 factor-based risk: (a) General account funded; (b) Reserve interest rate is carried at no greater than 4 percent and/or fund long-term interest guarantee (in excess of a year) does not exceed 4 percent; (c) Experience rating mechanism is immediate participation, retroactive credits, or other technique other than participating dividends; and (d) Either is not subject to discretionary withdrawal or is subject to fair value adjustment, but only if the contractually defined lump sum fair value adjustment reflects portfolio experience as well as current interest rates and is expected to pass both credit risk and rate risk to the policyholder at withdrawal. Book value cash out options meet this test as long as the present value of payments using U. Treasury spot rates is less than or equal to the lump sum fair value on the valuation date and the policyholder does not have an option to change the payment period once payments begin. Non-indexed separate account business with guarantees that satisfy both conditions (b) and (d) above is excluded from C­3 factor-based risk. Guaranteed indexed separate account business following a Class I investment strategy is reported on Line (18). Company source records entered in Column (3) of Lines (30) and (31) should be adjusted to a pre-tax basis. Line (33) Enter in Column (3) the pre-tax interest rate risk results of cash flow testing per the Appendix 1a methodology. In addition to the above, the interest rate portion of the amount calculated per Line 35 instructions below should be included. Otherwise, Line (34) should equal Line (32) plus Line (33) less Line (16) less Line (17) subject to a maximum of 2 times Line (32) and a minimum of 0. In addition to the above, the interest rate portion of the amount calculated per the Line (35) instructions below should be included. Line (35) Overview the amount reported on Line (35) is calculated using a ninefive-step process. Although Appendix 2 in the Report notes path dependent models under a different set of initialization parameters might produce scenarios that do not satisfy all the calibration points shown in Table 1, to be in compliance with the requirements in this first step, the actual scenarios used for diversified U. The scenarios need not strictly satisfy all calibration points in Table 1 of Appendix 2, but the actuary should be satisfied that any differences do not materially reduce the resulting capital requirements. See the Preamble to the Accounting Practices and Procedures Manual for an explanation of materiality. Note that the interest rate portion may not equal the interest rate portion of the risk used in steps (2) and (6) above even after adjusting these to a pre-tax basis. The interest rate portion of the risk should be included in Line 33 and the market risk portion in Line 35. Aggregate the results of running stochastic scenarios using prudent best estimate assumptions (the more reliable the underlying data is, the smaller the need for margins for conservatism) and calibrated fund performance distribution functions. The Enhanced C3 Phase 1 Interest Rate Generator with its ability to use the yield curve as of the run date and to regenerate pre-packaged fund returns using interest rates scenarios based on the current yield curve replaces the usage of the March 2005 pre-packaged scenarios. Calculate required capital for each scenario by calculating accumulated statutory surplus, including the effect of federal income taxes at a rate of 35 percent, for each calendar year-end and its present value. The negative of the lowest of these present values is the asset requirement for that scenario. These values are recorded for each scenario and the scenarios are then sorted on this measure. For this purpose, statutory surplus is modeled as if the statutory reserve were equal to the working reserve.