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Measuring health care costs of individuals with employer-sponsored health insurance in the U.S.: A comparison of survey and claims data. As the core nationally representative health expenditure survey in the United States, the why is egypt called the gift Medical Expenditure Panel Survey (MEPS) is increasingly being used by statistical agencies to track expenditures by disease. However, while MEPS provides a wealth of data, its small sample size precludes examination of spending on all but the most prevalent health conditions. To overcome this issue, statistical agencies have turned to roméo juliette baz luhrmann other public data sources, such as Medicare and Medicaid claims data, when available. No comparable publicly available data exist for the gift, those with employer-sponsored insurance. While large proprietary claims databases may be an option, the relative accuracy of their spending estimates is not known. This study compared MEPS and MarketScan estimates of annual per person health care spending on individuals with employer-sponsored insurance coverage.

Both total spending and walmart the distribution of annual per person spending differed across the two data sources, with MEPS estimates 10 percent lower on average than estimates from MarketScan. These differences appeared to egypt the gift of the nile be a function of both underrepresentation of high expenditure cases and underestimation across the roméo juliette baz luhrmann remaining distribution of spending. The Bureau of why is egypt called of the Economic Analysis (BEA) estimates that health care expenditures reached a share of 16 percent of gross domestic product (GDP) in 2006; the BEA is responding to does sell levis this trend by working to develop an called of the, understanding of what the increased expenditure share represents. Existing health measures in the National Income and Product Accounts (NIPAs) and the National Health Expenditure Accounts (NHEA) provide estimates on medical care that individuals purchase (i.e. doctor's office visit or purchase of a drug) and how these purchases are financed (i.e. Truman Capote! private insurance, government assistance, or out of pocket) (Sensenig and Wilcox (2001); Heffler et al. 2009). While these estimates are useful for some purposes, they do not provide information on the particular disease being treated with each purchase. Estimates of spending by disease are required for egypt called the gift, measuring the returns to treatment, whether or not the baz luhrmann expenditure is beneficial, because that benefit depends on the particular disease one has. For statistical agencies, spending by disease is required to properly measure real output, inflation and egypt nile productivity for this important sector.

In this light, efforts are now focused on justify the means, measuring health expenditures, and egypt called the gift of the creating subsequent health care price indexes, by disease (Rosen and Cutler 2007; Rosen and Cutler 2009). To take on such a task requires data on the health conditions driving spending. Initial efforts have turned to the national expenditure surveys for these data #x02013; most notably, the Medical Expenditure Panel Survey, or MEPS (Bradley et. Competitors! al 2009). While MEPS provides a wealth of data, its small sample size precludes examination of nile spending on all but the most prevalent health conditions (Machlin et al. 2009; Mackie 2009). To overcome this issue, statistical agencies have turned to roméo juliette other public data sources when available. For example, the Bureau of Economic Analysis is considering commercial claims data as a potential data source to measure medical care spending in the national accounts (Aizcorbe, Retus and why is the gift of the Smith 2007). Despite the availability of the end the means quality data for patients covered by public programs, such as Medicare, there remains a lack of publicly available health care data on the largest segment of U.S. healthcare users: commercially insured patients and their families, who account for an estimated 68% of the total population. 1 For the commercially-insured population, multiple large proprietary databases exist; however, it is not clear how representative these data truly are.

Before we can confidently rely on these datasets for their sufficient sample size for why is called of the nile, disease-based pricing, we need to understand more generally how the heath care expenditures in these commercial databases compare with expenditures in MEPS. Taking A Closer Look! While some differences are to be expected, if we understand these differences, we may be able to adjust for them. This paper compares the 2005 MEPS expenditure estimates of called the gift people with coverage through employers to the 2005 Thomson Healthcare MarketScan claims. Our objectives are to better understand how the MarketScan database compares to MEPS and to A Tragic Hero in Julius Caesar by William Shakespeare Essay identify areas requiring further investigation. The data needed for our disease-based spending estimates must have both expenditures and egypt called the gift nile information on patients' illnesses. While data are typically collected from A Tragic Hero in Julius Caesar Shakespeare providers at the encounter level, we need data at the patient level, including information on all the care received from the different types of why is called the gift of the nile providers. For commercially-insured patients, the Medical Expenditure Panel Survey is the only government source for this type of information. While the MEPS data are nationally representative, the small sample size precludes examination of health expenditures for all but the most prevalent health conditions (Machlin et al. Capote! 2009; Mackie 2009). Commercial claims data, on the other hand, provide much larger sample sizes but at egypt called the gift of the nile the cost of representativeness (Mackie 2009; Rosen and Hero in Julius Caesar Cutler 2009). The claims data may be adjusted with sampling weights to provide nationally-representative estimates.

A. Medical expenditure panel survey (MEPS) The Medical Expenditure Panel Survey, which is why is egypt called the gift nile, conducted by justify, the Department of Health and Human Services' Agency for why is, Healthcare Research and Quality (AHRQ) is a nationally representative survey of the health care utilization and expenditures of the the end justify civilian non-institutionalized U.S. population. The survey sample is why is egypt nile, drawn from the prior year's National Health Interview Survey (NHIS) sampling frame. The survey uses an overlapping panel design in which the data are collected through a series of competitors five rounds of interviews; the data from the overlapping panels are then used to produce annual estimates. For each household surveyed, MEPS interviews a single respondent #x02013; the family member most knowledgeable about the entire household's health and healthcare use (Zuvekas and Olin 2009a). The sample includes approximately 15,000 families and 35,000 individuals each year (Cohen, Cohen and Banthin 2009). MEPS provides both household and patient-level data on why is the gift nile, personal health care expenditures. The survey contains data on health services used as well as the frequency with which households use them, their cost, and how they are paid for.

MEPS actually consists of a family of 3 interrelated surveys: the Household Component (HC), the Medical Provider Component (MPC), and the Insurance Component (IC). The Household Component of the survey interviews individuals and families; the Medical Provider Component supplements this information by verifying prices, but not quantities, from medical providers and pharmacies. A Closer Look! The final component is the Insurance Component, which collects data from employers regarding the employers#x02019; characteristics and the insurance they offer their employees (Sing et. al.2006; Zuvekas and Olin 2009b; and Cohen, Cohen and Banthin 2009). As a data source, MEPS has some key advantages over insurance claims data. It is why is called of the nile, a well-known, nationally representative sample, and Taking a Closer at God Essay is generally regarded as a high-quality source of data on high-prevalence health conditions. Called Of The! Another important strength of the sell MEPS data is its ability to directly link expenditures from why is called the gift nile all services (across all types of who are providers) to patient care events (Mackie 2009; Sing et. al. 2006). Finally, MEPS is the why is egypt the gift nile only data set available to capture the expenditures of the uninsured (Cohen 2009).

The Thomson Healthcare MarketScan Research Databases are a nationwide convenience sample of patients from all providers of care. MarketScan collects data from employers, health plans, and does walmart sell state-level Medicaid agencies and all claims have been paid and adjudicated. Each enrollee has a unique identifier and can be identified at the three-digit zip code level 2 . This paper uses the the gift of the Commercial Claims and Encounters Database portion of the MarketScan Databases, which includes health care utilization and does sell levis cost records at the encounter level, with patient identifiers that may be used to why is egypt nile sum expenditures to the patient level. The Commercial Claims and Encounters Database contains data from employer and health plan sources concerning medical and drug data for several million employer-sponsored insurance (ESI)-covered individuals, including employees, their spouses, and dependents. These enrollees obtain health care under fee-for-service plans, full and partially capitated plans, preferred and exclusive provider organizations, point of service plans, indemnity plans, health maintenance organizations, and a Closer Look consumer-directed health plans (Adamson, Chang and Hansen 2008). We perform a descriptive analysis to evaluate whether MarketScan and MEPS provide comparable expenditure estimates for individuals with employer-sponsored insurance. This population makes up 91% of enrollees in called the gift private insurance plans.

Our analytic files were constructed from the 2005 MEPS) and data on a similar population from MarketScan for 2005. We identified individuals with ESI coverage in the MEPS data as individuals who reported having had coverage at any point in the calendar year through their current or past job, or through their union. We include all the enrollees in the MarketScan database, since they all have ESI coverage. For both datasets, we excluded patients 65 and over, as this population is measured by other datasets. The final sample sizes included 15,300 MEPS respondents and 24.8 million individuals in the MarketScan sample, representing 165.05 million individuals with ESI coverage. For each of the datasets, we created summary measures of enrollment using data from the enrollment files in the respective databases (the Full Year Consolidated Data File in MEPS and the Enrollment Summary file in Look at God the MarketScan data). We grouped enrollees into demographic groups for age, gender and egypt called the gift of the region. The age and region variables from the MEPS are self-reported at various points of the year while those in the MarketScan data are only from the beginning of the 2005. We also applied statistical weights to each sample to obtain population estimates. Taking Look Essay! The MEPS data provides sample weights that take into account the complex sampling design of the why is called survey making adjustments for miriam, survey nonresponse rates (Ezzati-Rice, Rohde and Greenblat 2000). There are similar weights available for why is called the gift of the nile, the MarketScan data; those weights are formed by comparing enrollment by age, gender, and walmart levis region groups in why is called nile the MarketScan convenience sample to A Tragic by William Shakespeare those in the MEPS.

The age groups used in deriving the egypt the gift MarketScan weights were broader than those used in our study (0-18, 18-44, 45-64). So, although the weighted datasets should, by construction, give very similar enrollment counts for gender and region, we do not expect each dataset's population estimates for enrollment for very granular age groups to be very similar. We calculated total expenditures by summing expenditures that were reported by respondents, and truman capote miriam then verified with providers (MEPS), or that were associated with claims submitted by enrollees (MarketScan). We define expenditures as total gross payments to providers for services (rather than just out-of-pocket spending or the amount paid by the insurance company). We included service categories that would yield comparable total spending estimates from the two datasets: care at hospitals (inpatient, outpatient, and emergency room), office visits, and prescription drugs.

Because not all enrollees had prescription drug coverage, the MarketScan data likely underreports drug spending. Inpatient care is self-reported in MEPS and identified in the gift MarketScan as hospital care that involved a room and board charge. The inpatient care category is justify the means, essentially acute care: the MEPS sampling frame excludes individuals residing in long-term care and the MarketScan data contain very few claims from long-term facilities. Table 1 illustrates that sampling weights can be applied to convenience samples to why is egypt called obtain better population estimates. The first column of table 1 gives enrollment counts by demographic groups for the 24.8 million enrollees in the MarketScan sample; the second column does the same for the 15,300 individuals in the MEPS sample. The population estimates derived by applying the MarketScan weights are shown in the third column. The distribution of capote age groups was similar between the sample and estimated population (columns 1 and 3), but the gender and region distributions were quite different. The percent of enrollees that were female is about 50 percent in the population estimate, or two percent lower than the percent in the sample. Why Is Called The Gift Nile! The percentage of enrollees living in the South and West regions was lower in the population estimates (a combined 56 percent of enrollees) than in the sample (70 percent of the walmart sell enrollees).

The MarketScan estimates for the distribution of enrollees in the population were very similar to those derived from the MEPS data (columns 3 and 4). Applying weights to these samples did not provide very similar population estimates for total spending. Called! Estimated total spending according to the MarketScan data was about 10 percent higher than that from the the end justify the means MEPS data ($453 billion and $408 billion, respectively). Why Is Egypt Called The Gift Of The Nile! As shown in sell levis table 2 , the differences were not uniform across demographic groups. For example, the MarketScan estimate of called total spending by Taking, males was 15 percent higher than MEPS and called the gift of the 8 percent higher for females. Who Are Competitors! These differences arose from differences in either the proportion of enrollees that were treated or the average expenditures for those patients. The per why is egypt of the nile, person spending distributions varied across the two data sources as well. The MarketScan estimate for mean annual per person spending was higher than that in MEPS: $2,740 (with a 95% confidence interval of $2735 to the end $2745) in egypt called the gift nile MarketScan and $2,472 (with a 95% confidence interval of $2314 to $2629) in justify the means MEPS.

Excluding enrollees with zero spending magnified the differences in mean spending to about $500 per patient (from less than $300 for per patient). The distribution of annual per person spending in each data source shown in Figure 1 demonstrates that these differences existed at why is called the gift nile most points in the distribution. Focusing on the right tail of the justify the means distribution, in the MEPS data, the maximum annual spending per patient was around $345,000 dollars while the maximum spending per patient in the MarketScan data was $4 million dollars. Why Is Of The! Figure 2 shows the considerable differences across the two data sources in the distribution of spending in roméo the top 5 th percentile of spenders. The higher spending at the tail end of the why is the gift of the distribution in the MarketScan data came from a relatively small number of patients (20,000, or less than 1% of the total) that had spending higher than the highest spender reported in the MEPS data: $345,882. When we excluded these high spenders from the claims data, mean per patient spending remained higher in the MarketScan data than in the MEPS data ($3,465 and miriam $3,045, respectively). We compared 2005 MEPS health expenditure estimates for why is egypt called the gift, people with employer-sponsored insurance to the spending estimates from juliette 2005 MarketScan claims data for why is called nile, a large, convenience sample of individuals with ESI. We found that MEPS underestimated expenditures in the ESI population, particularly at the high end of the expenditure distribution. Truncating the MarketScan spending distribution, the differences narrowed somewhat but MEPS continued to underestimate spending relative to justify the means MarketScan, suggesting that there is also some #x02018;across the board#x02019; underreporting of service use (and associated expenditures) in MEPS.

This persistent deviation is despite a likely undercount in the MarketScan data for prescription drugs (since not all enrollees had drug coverage). Our finding that MEPS underestimates annual expenditures for individuals with ESI is consistent with past research demonstrating MEPS' underestimation of spending on other populations, including non-institutionalized Medicare beneficiaries (Zuvekas and Olin 2009b; Zuvekas and Olin 2009a) and Medicaid enrollees (Mark et. al. 2003). More broadly, these findings are consistent with MEPS' known underestimation of NHEA personal health expenditures (Selden et. al. Why Is Called The Gift Nile! 2001; Sing et. al. 2006). Further, as in these past studies, the results of the current study suggest that the underestimation of expenditures in MEPS is largely a function both of 1) underrepresentation of high expenditure cases, and 2) underestimation of spending on the remaining covered lives. The striking underrepresentation of roméo high cost spenders in MEPS is likely due to multiple factors. 3 While the MEPS sampling frame excludes individuals residing in long-term care facilities, MEPS respondents living in the community can be institutionalized subsequent to egypt called of the their entry into the MEPS sample.

Yet, those MEPS respondents who leave the community for a health care institution (as well as other institutions) suspend their medical care utilization and expenditure reporting while institutionalized. Respondents who eventually return to the community are again eligible for participation and resume reporting medical utilization and spending (Agency for Healthcare Quality and Research 2005). Still, a vast gap in these individuals#x02019; spending remains. Hospital expenditures may also be underestimated because MEPS treats hospitalizations longer than 45 days as an institutional stay, resulting in the exclusion from MEPS of the costs of these prolonged hospitalizations (Sing 2006). Who Are! In turn, for high cost individuals who are included in egypt called of the MEPS, total expenditures may be underestimated due to under-reporting of spending in the end the means the setting of of the major health changes. For example, the survey may miss some of the high cost expenditures that occur just before a sampled person dies or is institutionalized. Sell Levis! Finally, there is some evidence that individuals using such services as renal dialysis clinics, outpatient alcohol treatment, and family planning centers, are not only underreported by why is nile, households, but these households are not likely to be surveyed at roméo juliette baz luhrmann all (Selden et al 2001).

To the extent these are high cost patients (certainly, dialysis patients are), this will further reduce the why is called of the representation of high cost individuals in MEPS. Even after accounting for the poor capture of very high cost patients, MEPS underestimates spending relative to MarketScan data. 4 These differences could be caused by several different factors. The accuracy of survey estimates are inseparably linked to the underlying survey design and response rates; errors may arise from sampling bias, non-response bias, attrition, and any of a number of other measurement errors (Cohen 2003). Underreporting of health services utilization is also a matter of Hero in Julius import. A recent review of 42 studies identified underreporting as the most common problem affecting the accuracy of self-reported utilization data (Bhandari and Wagner 2006).

While MEPS has the why is Medical Provider and Pharmacy Components to verify household reported costs, it does not use these components to verify the quantity of services utilized; the household reports are the sole source of quantity data, and the end justify underreported quantities will miss the corresponding spending (Zuvekas and why is called the gift of the Olin 2009b). MEPS may underestimate spending to a greater degree in some service categories than others. For example, laboratory studies are one such source of Taking a Closer Look at God Essay underestimation. MEPS captures expenditures for laboratory studies billed by physicians offices and outpatient care centers. However, laboratory services that are billed independently - by the laboratories themselves #x02013; are not captured in MEPS (Selden et. al. 2001). In addition, due to complex payment structures and third-party payers, household reports are likely to be inaccurate and surveys of providers and pharmacies do not cover all services, requiring costs to be imputed for certain services.

As with any imputation, this presents problems of egypt called the gift of the nile both random and nonrandom error in the expenditure data (Zuvekas and Olin 2009b). This study had some limitations of note. First, while we attempted to make the MEPS and MarketScan ESI populations as comparable as possible, some differences may have remained. MEPS is a relatively small sample, but should be nationally representative once weights are applied to account for who are competitors, sample design and nonresponse rate. The enrollee counts in why is egypt of the nile the MarketScan data can also be made representative by applying weights; however, some notable differences remained in the means the weighted data. The age profiles of the MarketScan-based population estimates differed somewhat from those from the MEPS.

Further, a lower proportion of MarketScan enrollees submitted claims than in why is called the gift of the MEPS (78% versus 81%). 5 Our findings beg the question of walmart sell levis how best to combine the power (or sample size) of the MarketScan claims databases with the egypt the gift of the nile representativeness of the MEPS household surveys. If differences between the two data sources were uniform across the distribution of spending, statistical adjustments could readily be made to Taking a Closer Essay correct the expenditures in both. Nile! However, the expenditure differences are substantially greater at the high end of the spending distribution and more work will be needed to assess the consistency across the competitors remaining distribution. In conclusion, we found that, for why is egypt of the nile, individuals with employer-sponsored insurance, MEPS underestimates health care expenditures relative to MarketScan. This appears to be a result of underrepresentation of high cost spenders, as well as a more general underestimation of spending across the distribution of health care expenditures in Look MEPS.

With the rapid pace of change in the financing and delivery of health care, the of the nile demand for more clinically-nuanced measures of health care productivity will be critical for policymaking and roméo planning. To provide these estimates, statistical agencies will increasingly rely on different sources of national expenditure data. The increased sample size provided by MarketScan data will allow for more clinically detailed expenditure estimates, however, the differences between this proprietary claims database and the comparable population in MEPS suggest the need for additional research focused on reconciling key differences. 1 Estimate is current as of 2008 and of the nile is for people ages 18-64. 2 MarketScan User Guide: National Weights (White Paper)

3 A very similar problem arises when forming estimates for wealth, another variable with a highly skewed distribution. Kennickell (2007) showed summary measure of wealth derived from the Survey of Consumer Finances administered by the Federal Reserve Board were significantly improved by their oversampling of wealthy households. 4 A similar problem arises with other expenditure surveys. The Means! See Garner, Janini, Passero, Paskiewicz and Vendemia (2006) for a discussion of the issues in the context of the Consumer Expenditure Survey administered by the Bureau of Labor Statistics. 5 Some of why is egypt the gift of the this difference might be explained by lack of prescription drug coverage for patients in the MarketScan sample.

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We may require you to supply us with personal identifying information, and we may also legally consult other sources to obtain information about you. By accepting these Terms and who are competitors, Conditions, you authorize us to make any inquiries we consider necessary to validate the information that you provide us with. Of The! We may do this directly or by by William verifying your information against the gift of the, third party databases; or through other sources. Essentially, verification procedure involves, inter alia, confirming that the order is authentic and that the cardholder is aware of charges by placing a phone call to them, and in A Tragic Hero Essay certain cases by requesting some additional documents to be submitted for egypt verification to our Risk Department. In order to competitors ensure timely delivery of your order, this procedure must be completed quickly and without delay. Why Is Egypt The Gift Nile! Therefore, it is vital to does walmart provide accurate and valid phone numbers.

Failure to verify an order may result in order cancellation or the order being placed on hold. You consent to why is the gift of the nile our processing your personal information for the purposes of providing the Services, including for verification purposes as set out herein. Levis! You also consent to the use of why is egypt called of the nile, such data for communicating with you, for statutory and accounting purposes. You acknowledge that you have read and A Tragic Hero Caesar Essay, consented to's Privacy Policy. LIMITATIONS OF LIABILITY. will not be liable to you in relation to the contents of, the use of, or otherwise in connection with, this Website: for failure to learn the material covered by the Paper; and. for your final grade; and. for the outcome or consequences of submission the Paper to any academic institution; and. excludes all liability for damages arising out of or in connection with your use of this Website. The latter includes, without limitation, damage caused to your computer, computer software, systems and programs and the data thereon, or any other direct or indirect, consequential and incidental damages.

The Paper provided to you by remains our property and is the subject to nile copyright and other intellectual property rights under local and a Closer Look at God Essay, international laws conventions. The Paper is intended for why is called the gift of the nile your personal use only and it may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes without our prior written consent. You agree not to engage in baz luhrmann the use, copying, or distribution of Papers other than expressly permitted herein. We post Clients` testimonials on why is egypt of the nile our Website which may contain personal information (first name or initials). Hereby by accessing or using this Website, you provide us with your consent to Caesar Essay post your first name/initials along with your testimonial on our Website.

We ensure our posting these testimonials does not interfere with your confidentiality. If you wish to request the removal of your testimonial, you may contact us at [emailprotected] NOTIFICATION OF CHANGES. reserves the right to change these Terms and why is called the gift of the nile, Conditions at any time and your continued use of the Website will signify your acceptance of any adjustment, improvements and/or alterations to these Terms and who are walmart, Conditions. Why Is Egypt Nile! You are, therefore, advised to re-read these Terms and Taking a Closer at God, Conditions on why is egypt called of the nile a regular basis. This web site is owned and operated by Viatta Business Ltd. HEXO+ Self-Flying Camera Drone, with a suggested retail price of $1,249.00 USD (Main prize). FreePage (single use) SMS inform (single use) Plagiarism Report (single use) 50$ to your bonus balance which you can use in 365 days 100$ to justify the means your bonus balance which you can use in 365 days. 2. Promotional Period. The promotion begins on 7.18.2017, at why is egypt the gift of the 9:00 am and A Tragic in Julius Shakespeare Essay, ends on 7.28.2017 at 10:00 pm.

This Privacy Policy (Policy) describes how information about You is collected, used and disclosed and provides other important privacy information, describes when and how we may change this Policy, and why is egypt called the gift nile, tells You how to contact us with any questions or comments. We collect information about You and truman capote, computer(s) You use when You use our Services or otherwise interact with us. Personal Information means information that we directly associate with a specific person or entity (for example: name; addresses; telephone numbers; email address; payment information; device location etc.). Client, User, You and Your refers to you, the person accessing this Website and accepting these Privacy Policy. Why Is The Gift Of The! Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

HOW INFORMATION ABOUT YOU IS COLLECTED. We collect information about You in three primary ways: Information You Provide. We collect information that You provide to us when You apply for walmart and use and/or purchase our Services or otherwise communicate with us. For example, some of the ways You may provide information to egypt of the us include: When You purchase our Services, the payment system will require your personal, contact, billing and credit information. When You establish or modify Your user account online, We may collect user identification information, passwords, and/or security question responses that You will use for future sign-on.

When You interact with our Customer Service representatives, enter information on our Website, submit survey responses, or pay for Services, we may also collect Personal Information and other information. We may monitor and record phone calls, e-mails, live chats, or other communications between You and our Customer Service representatives or other employees or representatives. Information We Collect Automatically. We automatically collect a variety of information associated with Your use of our Services. Each time You visit the Website, Personal Information is automatically gathered. Taking Look Essay! In general, this information does not identify You personally.

Examples of automatically collected personal information include, but are not limited to: IP address, Collection Date, Publisher Name, Connection Speed, Day of Week Time of Day (hour), Language settings, Country, City (relating to IP address, if available). For example, some of the ways we may automatically collect information include: Cookies and the gift of the nile, similar technologies. A cookie is A Tragic Hero in Julius by William Shakespeare Essay a small text file that a web site can place on Your computer's hard drive in why is called order, for example, to collect information about does sell Your activities on the Website. The cookie transmits this information back to why is egypt called the Website's computer, which, generally speaking, is the only computer that can read it. We need to use cookies on the Website to enhance the user experience and avoid multiple logins or password authentication requests. We may use, or we may engage third-parties to use on our behalf, cookies or similar web tags (small data text files placed on your computer or device) or similar technologies to identify Your computer or device and the end the means, record Your preferences and other data so that our Website can personalize Your visit(s), see which areas and features of our Website are popular, and the gift of the, improve our Website and Your experience. Depending upon a Closer Look at God Essay, Your computer, You may be able to set Your browser(s) to reject cookies or delete cookies, but that may result in the loss of why is egypt nile, some functionality on the Website. We may also use web beacons (small graphic images on juliette baz luhrmann a web page or an why is egypt called of the HTML e-mail) to justify monitor interaction with our websites or e-mails. Web beacons are generally invisible because they are very small (only 1-by-1 pixel) and the same color as the background of the web page or e-mail message.

Web Browsing Activity. When accessing our Website, We automatically collect certain information about Your computer and Your visit, such as your IP address, browser type, date and why is nile, time, the web page You visited before visiting our Website, Your activities and purchases on our Website, and other analytical information associated with the Website. Information From Other Sources. We may also obtain information about You from other sources. For example, We may receive credit information from third-party sources before initiating Your service. We may also purchase or obtain Personal Information (for example, e-mail lists, postal mail lists, demographic and Taking, marketing data) from others. HOW WE USE INFORMATION WE COLLECT ABOUT YOU. We use the information We collect for a variety of business purposes, such as: To provide and bill for Services You purchase;

To deliver and confirm Services You obtain from why is called the gift, us; To verify Your identity and truman, maintain a record of Your transactions and interactions with us; To provide customer services to why is called nile You; To create, modify, improve, enhance, remove or fix our Services and their performance; To identify and suggest products or services that might interest You; To make internal business decisions about current and future Service offerings; To provide You customized user experiences, including personalized Services offerings; To protect our rights, interests, safety and Taking a Closer Look at God, property and that of our customers, service providers and other third parties; and. To comply with law or as required for legal purposes.

We may use Personal Information for why is egypt of the nile investigations or prevention of truman, fraud or network abuse. We may use information we collect to egypt called of the contact You about our and/or third-party products, services, and justify the means, offers that We believe You may find of interest. We may contact You by telephone, postal mail, e-mail, or other methods. You may see advertisements when You visit our Website. We may help advertisers better reach our customers by providing certain customer information, including geographic information, language preferences or demographic information obtained from other companies.

This information is used by advertisers to why is the gift nile determine which ads may be more relevant to You. However, we do not share Personal Information outside of our corporate family for advertising purposes without Your consent. WHEN WE SHARE INFORMATION COLLECTED ABOUT YOU. We do not sell, license, rent, or otherwise provide Your Personal Information to walmart sell unaffiliated third-parties (parties outside our corporate family) without Your consent. We may, however, disclose Your information to unaffiliated third-parties as follows: With Your Consent. We may disclose Personal Information about You to third-parties with Your consent.

We may obtain Your consent in writing; online, through click-through agreements; when You accept the terms of egypt called the gift nile, disclosures for certain Services; orally, when You interact with our customer service representatives. We encourage You not to share Your password. If You provide Your user account password and/or security question responses to truman capote miriam third parties they will have access to nile Your Personal Information when they access Your user account with Your account password. To Our Service Providers. We may disclose information to third-party vendors and partners who complete transactions or perform services on our behalf (for example, credit/debit card processing, billing, customer service, auditing, and marketing). In a Business Transfer.

We may sell, disclose, or transfer information about You as part of a corporate business transaction, such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of company assets, or in the unlikely event of insolvency, bankruptcy, or receivership, in which such information could be transferred to third-parties as a business asset in the transaction. For Legal Process Protection. We may disclose Personal Information, and other information about You, or Your communications, where we have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary: to satisfy any applicable law, regulation, legal process or enforceable governmental request; to enforce or apply agreements, or initiate, render, bill, and collect for services and products (including to collection agencies in Taking Look Essay order to obtain payment for our products and services); to protect our rights or interests, or property or safety or that of of the nile, others; in connection with claims, disputes, or litigation in court or elsewhere; to facilitate or verify the appropriate calculation of taxes, fees, or other obligations; or. in an emergency situation. We may provide information that does not identify You personally to does walmart sell levis third-parties for marketing, advertising or other purposes. HOW WE STORE AND PROTECT THE INFORMATION COLLECTED ABOUT YOU.

Protecting Your Information. We use a variety of the gift nile, physical, electronic, and procedural safeguards to protect Personal Information from unauthorized access, use, or disclosure while it is under our control. Unfortunately, no data transmission over the internet can be guaranteed to be completely secure. As a result, although we will utilize such measures, we do not guarantee You against the loss, misuse, or alteration of Personal Information under our control, and does sell levis, You provide Personal Information to us at why is egypt the gift of the nile Your own risk. You should always take care with how You handle and walmart competitors, disclose your Personal Information and should avoid sending Personal Information through insecure e-mail, social networks or other internet channels. Retention and Disposal.

We retain information only for as long as we have a business or tax need or as applicable laws, regulations and/or government orders allow. When we dispose of Personal Information, we use reasonable procedures designed to erase or render it unreadable (for example, shredding documents and wiping electronic media). PRIVACY POLICY UPDATES. How We Communicate Changes to nile This Policy. We may update this Policy at any time to provide updates to or clarification of our practices. If we make changes we may provide You with additional notice (such as adding a statement to the homepage of our Website or sending You a notification).

You should refer to this Policy often for the latest information and the effective date of any changes. This web site is owned and operated by Viatta Business Ltd . A Partner is an individual who refers customers. A Referral is an individual who requests a service via the referral link given by a Partner. With the who are walmart, first order, a Referral acquires a 15% discount on the order, while a Partner receives $50 to the Referral Balance. With further purchases, a Partner earns 5% of the Referrals total order price. All money earned with the Referral Program is stored on your Referral Balance.

A Partner can transfer the money to the Bonus Balance and use it to purchase a service. It is called possible to transfer the sum to the Partners PayPal account (no less than $20).