Optimizing Insurance: Get The Most From Your Plan Now!

Optimizing Insurance: Get The Most From Your Plan Now!

by

Lenard Busch

The following insurance tips will assist you in deciphering your insurance policies, as well as choosing the most suitable policies for your needs. You can read this article and come away from it knowing what to look for in an insurance policy, so you do not overpay or have too little of coverage. You will know what kind of insurance is the right kind when you use these tips.

Try to find one insurance company that can handle all of your insurance needs. If you consolidate all your insurance needs to one company, you may receive a large discount. Changing auto coverage away from your home insurer can cause your home rate to spike.

To get the right insurance, you have to understand what the company is offering you. It can be quite hard to understand the insurance terminology that is being used, so do not be afraid to request more information from your insurance provider. If you do not think the company is being truthful, ask a person you know to help you.

[youtube]http://www.youtube.com/watch?v=CmrnsEJ5vAw[/youtube]

To get a quick response from your insurance company when filing a claim, be sure that your explanation of the incident is clear and to the point. Take a picture of any damages. Don\’t create a story or make the damages sound worse to get more money, since you can get in big trouble for this, in which case, you may not get anything.

When it comes to insurance, never take the first deal offered to you. You need to shop around. A lot of individuals just renew whatever policy they currently have, in lieu of taking the time to see if there is greener grass out there. When you are purchasing a product that could differ in price by hundreds of dollars, it is definitely worth your time to shop around to get the best price.

Save money by shopping around for insurance. Many people simply renew their insurance policies without investigating changes in the industry, or new products that might have become available. By shopping around, you could save yourself hundreds of dollars each month which makes the effort totally worthwhile.

Cancel the part of your insurance policy that gives you towing to save money. Towing usually costs a hundred dollars, but after a few years with the insurance, you pay more. If you are in a collision, alternative provisions within your policy likely give you towing coverage, and therefore paying for it separately is probably unwise.

Check your policy periodically for accuracy, reading all the fine print. Be sure that you are getting all of the discounts you qualify for, and check for errors or omissions. These mistakes are adding to your insurance bill unnecessarily. Thus it is worthwhile taking time to check your insurance policy carefully.

Maintain a respectable credit report in order to keep your insurance rates low. Your credit history can influence your premiums. If you are considered a high risk customer by credit agencies, your insurance agency will treat you the same way and raise your premiums.

In order to guarantee the best policy price, comparison shopping and research are critical. The more educated you are about the options you have, the more money you can save. Learn the appropriate coverage for one\’s needs. Consider one\’s family circumstances. The more one knows, the better off one will be.

As stated at the beginning of the article, there are many different types of insurance available. Hopefully you have discovered ways you can insure yourself and/or your property that you hadn\’t thought of before. Having insurance gives you piece of mind that in the unfortunate event of a tragedy, illness, or accident, you and your family will be covered, and a bit more prepared.

It\’s imperative that you take into consideration your life ultimately before you might understand the easiest way to handle goods in transit insurance. Steadiness and also discipline would be the names of the activity right here. Men and women sometime may cope effectively with read more for a while and then permit old practices move them down. You should not have that hard a time avoiding this when you are dependable in your attempts and are really determined to get to where you would like to g

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ArticleRich.com

Thousands protest privatisation of Australian electricity industry

Tuesday, February 26, 2008

In New South Wales today, thousands of people joined a protest including 15 Labor Members of Parliament about the State Government’s plans to privatise the electricity industry.

The MPs included Paul Gibson, Upper House president Peter Primrose, and former MPs Kerry Hickey and Grant McBride.

Mr Gibson was reported as saying, “I’m a member of the Australian Labor Party and I’m sticking to the Labor platform and policy.”

The Government seems to have ignored the positions of the protesters, with Premier Morris Iemma expressing to the first sitting of Parliament for 2008 that his Government’s plans would proceed.

Related instances in Tamworth occurred, when workers in the Electricity Trade Union walked off the job.

Retrieved from “https://en.wikinews.org/w/index.php?title=Thousands_protest_privatisation_of_Australian_electricity_industry&oldid=742189”

US swimmer Phelps suspended over ‘pot pipe’

Friday, February 6, 2009

United States swimmer Michael Phelps has been banned from competition and his training stipend revoked for three months by USA Swimming after Phelps was photographed smoking from a glass pipe, often used for smoking cannabis. The picture was published last Sunday by British tabloid News of the World.

USA Swimming, which is the governing body of swimming in the United States, however said that no “anti-doping” rules had been violated.

“This is not a situation where any anti-doping rule was violated, but we decided to send a strong message to Michael because he disappointed so many people, particularly the hundreds of thousands of USA Swimming member kids who look up to him as a role model and a hero,” it stated. “Michael has voluntarily accepted this reprimand and has committed to earn back our trust.”

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The suspension will end in time for Phelps to train for the US Championships, which are to be held on the 7th of July.

Phelps has also lost sponsor Kellogg, who said that it would not renew its deal with the swimmer next month.

Phelps won a record eight gold medals at the 2008 Olympic Games in Beijing last year, and has since become one of the world’s most famous athletes.

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Should Your Aging Parent Come To Live With You?

By Molly Shomer

Tell people you’re thinking about bringing a parent to live with you and your family in your home and half will say, “I’d rather have root canal without anesthetic!” The other half will show varying degrees of enthusiasm, depending on their relationships with their own parents.

If the thought of having your parent or your in-law move in spontaneously makes you clench your teeth, then this isn’t a good option and you can stop reading now.

On the other hand, if you think it might be a good idea, there are several things you should thoroughly explore before you forge ahead with moving a parent in with you and your family.

First, do you all genuinely like each other most of the time? That doesn’t mean, “Do you never have disagreements? or, “Do you never get upset with each other?” Show me a family who says they never have disagreements, never argue, and always feel 100% about each other all the time and I’ll show you a family that needs some serious help. Someone isn’t seeing it like it is.

[youtube]http://www.youtube.com/watch?v=E8Ued-avGXY[/youtube]

Family members who genuinely like each other (most of the time) are able to have disagreements, even arguments. At the end of the day healthy families can resolve their differences, or agree to differ, and move on. If there are unresolved conflicts it would certainly be a good idea to tend to these before making a major change.

How do all the members of your family feel about having an in-law or a grandparent move in? Children should be heard, even if they are not given a final vote. Does the older person have health issues or behaviors that an older child or adolescent would find embarrassing? Are you prepared to manage the practically inevitable teen-age resentments?

Is your home spacious enough to accommodate your parent comfortably on the ground floor? Will a child have to relinquish a room? Is there a bathroom large enough to handle a walker, a wheelchair, and other equipment that may be needed? Do you have the resources to make any necessary renovations?

Can your parent live independently, or does he or she require assistance? Is the assistance something that you can provide, or will professional help be needed? Does your parent have health issues which will predictably call for more and more help? Will you need to make other living arrangements if your parent’s needs grow beyond a certain point?

Will you be in danger of falling back into your old role of “daughter” or “son” instead of head of your own household if your parent or in-law moves in? Will you be able to set limits, and will your elder be able to adjust to the rules and customs of your house, which might be quite different from what he or she is accustomed to?

What will the financial arrangements be between you and your parent(s)? It is very important to come to a firm mutual agreement about how finances will be managed well before a move. This may be the most difficult part of any discussion you have with a parent, because money and all of its implications is usually a “loaded” subject between the generations.

Talk these questions through thoroughly with everyone involved. Give serious thought to the compromises you would be willing to make, and what you would not be able to do. Be completely honest with yourself and your other family members, and give them the opportunity to be completely honest with you.

Then, and only then, if you feel certain that this move would be a positive one for you, your family, and your parent…and if your parent feels the same…move forward with confidence that you at least have a firm foundation to build on.

About the Author: The Eldercare Team invites you to learn about all the living options available to older adults. You can pick up more resources, more articles, and plenty of free tips about senior residential options and aging parent care at eldercareteam.com/senior-housing.htm

Source: isnare.com

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‘Bridezilla’ YouTube video: many debate legitimacy

Wednesday, January 31, 2007

A new video on popular internet video site YouTube has raised a question: Is it fake or real?

The movie entitled Bride Has Massive Hair Wig Out that was released on the 18th of January shows a woman who is going to get married within hours, but instead she cuts off all her hair.

First, the woman, named Jodie, who has just got her hair done at the hairdressers’, comes back to a hotel room where three bridesmaids are doing last-minute preparations. She runs in and falls to the ground screaming that her hair is ugly. They try to comfort her, but that isn’t enough for the so called “Bridezilla”: she cuts off her hair with a pair of scissors while the bridesmaids watch, taping it all on video camera.

The video, which is still on the main page of YouTube, has been watched over 2 million times. The person who posted the video, wigoutgirl, claims to be 25 and from Canada. It is speculated that the video was shot in a Toronto, Ontario hotel room.

Some YouTube users are saying that it is fake, some say it’s real.

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Gastric bypass surgery performed by remote control

Sunday, August 21, 2005

A robotic system at Stanford Medical Center was used to perform a laparoscopic gastric bypass surgery successfully with a theoretically similar rate of complications to that seen in standard operations. However, as there were only 10 people in the experimental group (and another 10 in the control group), this is not a statistically significant sample.

If this surgical procedure is as successful in large-scale studies, it may lead the way for the use of robotic surgery in even more delicate procedures, such as heart surgery. Note that this is not a fully automated system, as a human doctor controls the operation via remote control. Laparoscopic gastric bypass surgery is a treatment for obesity.

There were concerns that doctors, in the future, might only be trained in the remote control procedure. Ronald G. Latimer, M.D., of Santa Barbara, CA, warned “The fact that surgeons may have to open the patient or might actually need to revert to standard laparoscopic techniques demands that this basic training be a requirement before a robot is purchased. Robots do malfunction, so a backup system is imperative. We should not be seduced to buy this instrument to train surgeons if they are not able to do the primary operations themselves.”

There are precedents for just such a problem occurring. A previous “new technology”, the electrocardiogram (ECG), has lead to a lack of basic education on the older technology, the stethoscope. As a result, many heart conditions now go undiagnosed, especially in children and others who rarely undergo an ECG procedure.

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Experience Arizona And Nevada With Grand Canyon Helicopters

Submitted by: Rhegie Taylor

When traveling to Nevada or Arizona, most people are overwhelmed by the wealth of attractions that there are to visit. They are torn between wanting to spend their time on the Las Vegas strip and wanting to see the amazing geological features of this vast terrain. Fortunately, it is possible to do it all by booking Grand Canyon helicopters.

This is the preferred method of travel for people of all ages. It is the most efficient way to take a comprehensive tour of this landscape while benefiting from the historical knowledge of flight guides and pilots. Not only do people get to see all that the Grand Canyon has to offer, but they will also be given important informational insights along the way.

People have the opportunity to travel over the South Rim and the West Rim of the canyon. In fact, some tours will even descend down to the basin in order to give travelers an up close view of the wildlife that grows here as well as of the rock formation. Given the vast size of this structure, it is rarely possible to see any considerable amount of it when traveling by car, raft or on foot.

[youtube]http://www.youtube.com/watch?v=KZTZES3uosw[/youtube]

A ground view of this area only allows people to see just 30 miles of this vast expanse. When hovering above in a helicopter, however, you get to take in all 130 miles of this structure. Moreover, you will additionally have the ability to fly through the Draggoon Corridor, which is the deepest and also the widest corridor.

The best part of choosing this type of transport, however, is the level of comfort that you will be afforded. The weather in this area is surprisingly unpredictable. Those who schedule rafting tours frequently receive recommendations for carrying several layers of clothing and lightweight rain gear. On warm days, sun exposure is constant and intense, which makes being in an aircraft far preferable for most.

Aircraft are also the epitome of luxury and comfort in most instances. Thus, if you have been enjoying yourself in a swanky Las Vegas hotel and want to have a nature tour without getting covered in dust and debris, this is certainly the option to pursue. Every amenity imaginable can be fund when booking these trips.

Pilots are specially trained for these flights and this gives them ample skill for navigating through the strong winds. Before returning, they will often need to refuel along the West Rim. This gives people ample opportunity to get out and explore the scenery up close, should they wish to do so. Many flights also serve lunch at this time.

If you are hard-pressed to find an effective strategy for dividing your time while visiting Arizona or Nevada, you are certainly not alone. Helicopter tours make it possible for people to see this marvelous site in comfort and without having to give up a lot of their spare time. You can get impressive aerial views and even descend down to the very bottom of the Canyon while hearing in-depth tales of ancient, native inhabitants, current and former wildlife and the history of the stunning rock formations.

About the Author: Find an overview of the benefits you get when you schedule helicopter rides and more information about Papillon

Grand Canyon Helicopters

‘ tours at http://www.grandcanyonhelicopter.org/grand-canyon-helicopter-tour-coupons.html now.

Source:

isnare.com

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Disposal of fracking wastewater poses potential environmental problems

Wednesday, April 25, 2012

A recent study by the United States Geological Survey (USGS) shows that the oil and gas industry are creating earthquakes. New information from the Midwest region of the United States points out that these man-made earthquakes are happening more frequently than expected. While more frequent earthquakes are less of a problem for regions like the Midwest, a geology professor from the University of Southern Indiana, Dr. Paul K. Doss, believes the disposal of wastewater from the hydraulic fracturing (or “fracking”) process used in extracting oil and gas has the possibility to pose potential problems for groundwater.

“We are taking this fluid that has a whole host of chemicals in it that are useful for fracking and putting it back into the Earth,” Doss said. “From a purely seismic perspective these are not big earthquakes that are going to cause damage or initiate, as far as we know, any larger kinds of earthquakes activity for Midwest. [The issue] is a water quality issue in terms of the ground water resources that we use.”

Hydraulic fracturing, or fracking, is a technique used by the oil and gas industries which inject highly pressurized water down into the Earth’s crust to break rock and extract natural gas. Most of the fluids used for fracking are proprietary, so information about what chemicals are used in the various fluids are unknown to the public and to create a competitive edge.

Last Monday four researchers from the University of New Brunswick released an editorial that sheds light on the potential risks that the current wastewater disposal system could have on the province’s water resources. The researchers share the concern that Dr. Doss has and have come out to say that they believe fracking should be stopped in the province until there is an environ­mentally safe way to dispose the waste wastewater.

“If groundwater becomes contamin­ated, it takes years to decades to try to clean up an aquifer system,” University of New Brunswick professor Tom Al said.

While the USGS group which conducted the study says it is unclear how the earthquake rates may be related to oil and gas production, they’ve made the correlation between the disposal of wastewater used in fracking and the recent upsurge in earthquakes. Because of the recent information surfacing that shows this connection between the disposal process and earthquakes, individual states in the United States are now passing laws regarding disposal wells.

The problem is that we have never, as a human society, engineered a hole to go four miles down in the Earth’s crust that we have complete confidence that it won’t leak.

“The problem is that we have never, as a human society, engineered a hole to go four miles down in the Earth’s crust that we have complete confidence that it won’t leak,” Doss said. “A perfect case-in-point is the Gulf of Mexico oil spill in 2010, that oil was being drilled at 18,000 feet but leaked at the surface. And that’s the concern because there’s no assurance that some of these unknown chemical cocktails won’t escape before it gets down to where they are trying to get rid of them.”

It was said in the study released by the New Brunswick University professors that if fracking wastewater would contaminate groundwater, that current conventional water treatment would not be sufficient enough to remove the high concentration of chemicals used in fracking. The researchers did find that the wastewater could be recycled, can also be disposed of at proper sites or even pumped further underground into saline aquifers.

The New Brunswick professors have come to the conclusion that current fracking methods used by companies, which use the water, should be replaced with carbon diox­ide or liquefied propane gas.

“You eliminate all the water-related issues that we’re raising, and that peo­ple have raised in general across North America,” Al said.

In New Brunswick liquefied propane gas has been used successfully in fracking some wells, but according to water specialist with the province’s Natural Resources De­partment Annie Daigle, it may not be the go-to solution for New Brunswick due its geological makeup.

“It has been used successfully by Corridor Resources here in New Bruns­wick for lower volume hydraulic frac­turing operations, but it is still a fairly new technology,” Daigle said.

The United States Environmental Protection Agency (EPA) is working with U.S. states to come up with guidelines to manage seismic risks due to wastewater. Under the Safe Drinking Water Act, the EPA is the organization that also deals with the policies for wells.

Oil wells, which are under regulation, pump out salt water known as brine, and after brine is pumped out of the ground it’s disposed of by being pumped back into the ground. The difference between pumping brine and the high pressurized fracking fluid back in the ground is the volume that it is disposed of.

“Brine has never caused this kind of earthquake activity,” Doss said. “[The whole oil and gas industry] has developed around the removal of natural gas by fracking techniques and has outpaced regulatory development. The regulation is tied to the ‘the run-of-the-mill’ disposal of waste, in other words the rush to produce this gas has occurred before regulatory agencies have had the opportunity to respond.”

According to the USGS study, the increase in injecting wastewater into the ground may explain the sixfold increase of earthquakes in the central part of the United States from 2000 – 2011. USGS researchers also found that in decades prior to 2000 seismic events that happened in the midsection of the U.S. averaged 21 annually, in 2009 it spiked to 50 and in 2011 seismic events hit 134.

“The incredible volumes and intense disposal of fracking fluids in concentrated areas is what’s new,” Doss said. “There is not a body of regulation in place to manage the how these fluids are disposed of.”

The study by the USGS was presented at the annual meeting of the Seismological Society of America on April 18, 2012.

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Cleveland, Ohio clinic performs US’s first face transplant

Thursday, December 18, 2008

A team of eight transplant surgeons in Cleveland Clinic in Ohio, USA, led by reconstructive surgeon Dr. Maria Siemionow, age 58, have successfully performed the first almost total face transplant in the US, and the fourth globally, on a woman so horribly disfigured due to trauma, that cost her an eye. Two weeks ago Dr. Siemionow, in a 23-hour marathon surgery, replaced 80 percent of her face, by transplanting or grafting bone, nerve, blood vessels, muscles and skin harvested from a female donor’s cadaver.

The Clinic surgeons, in Wednesday’s news conference, described the details of the transplant but upon request, the team did not publish her name, age and cause of injury nor the donor’s identity. The patient’s family desired the reason for her transplant to remain confidential. The Los Angeles Times reported that the patient “had no upper jaw, nose, cheeks or lower eyelids and was unable to eat, talk, smile, smell or breathe on her own.” The clinic’s dermatology and plastic surgery chair, Francis Papay, described the nine hours phase of the procedure: “We transferred the skin, all the facial muscles in the upper face and mid-face, the upper lip, all of the nose, most of the sinuses around the nose, the upper jaw including the teeth, the facial nerve.” Thereafter, another team spent three hours sewing the woman’s blood vessels to that of the donor’s face to restore blood circulation, making the graft a success.

The New York Times reported that “three partial face transplants have been performed since 2005, two in France and one in China, all using facial tissue from a dead donor with permission from their families.” “Only the forehead, upper eyelids, lower lip, lower teeth and jaw are hers, the rest of her face comes from a cadaver; she could not eat on her own or breathe without a hole in her windpipe. About 77 square inches of tissue were transplanted from the donor,” it further described the details of the medical marvel. The patient, however, must take lifetime immunosuppressive drugs, also called antirejection drugs, which do not guarantee success. The transplant team said that in case of failure, it would replace the part with a skin graft taken from her own body.

Dr. Bohdan Pomahac, a Brigham and Women’s Hospital surgeon praised the recent medical development. “There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Leading bioethicist Arthur Caplan of the University of Pennsylvania withheld judgment on the Cleveland transplant amid grave concerns on the post-operation results. “The biggest ethical problem is dealing with failure — if your face rejects. It would be a living hell. If your face is falling off and you can’t eat and you can’t breathe and you’re suffering in a terrible manner that can’t be reversed, you need to put on the table assistance in dying. There are patients who can benefit tremendously from this. It’s great that it happened,” he said.

Dr Alex Clarke, of the Royal Free Hospital had praised the Clinic for its contribution to medicine. “It is a real step forward for people who have severe disfigurement and this operation has been done by a team who have really prepared and worked towards this for a number of years. These transplants have proven that the technical difficulties can be overcome and psychologically the patients are doing well. They have all have reacted positively and have begun to do things they were not able to before. All the things people thought were barriers to this kind of operations have been overcome,” she said.

The first partial face transplant surgery on a living human was performed on Isabelle Dinoire on November 27 2005, when she was 38, by Professor Bernard Devauchelle, assisted by Professor Jean-Michel Dubernard in Amiens, France. Her Labrador dog mauled her in May 2005. A triangle of face tissue including the nose and mouth was taken from a brain-dead female donor and grafted onto the patient. Scientists elsewhere have performed scalp and ear transplants. However, the claim is the first for a mouth and nose transplant. Experts say the mouth and nose are the most difficult parts of the face to transplant.

In 2004, the same Cleveland Clinic, became the first institution to approve this surgery and test it on cadavers. In October 2006, surgeon Peter Butler at London‘s Royal Free Hospital in the UK was given permission by the NHS ethics board to carry out a full face transplant. His team will select four adult patients (children cannot be selected due to concerns over consent), with operations being carried out at six month intervals. In March 2008, the treatment of 30-year-old neurofibromatosis victim Pascal Coler of France ended after having received what his doctors call the worlds first successful full face transplant.

Ethical concerns, psychological impact, problems relating to immunosuppression and consequences of technical failure have prevented teams from performing face transplant operations in the past, even though it has been technically possible to carry out such procedures for years.

Mr Iain Hutchison, of Barts and the London Hospital, warned of several problems with face transplants, such as blood vessels in the donated tissue clotting and immunosuppressants failing or increasing the patient’s risk of cancer. He also pointed out ethical issues with the fact that the procedure requires a “beating heart donor”. The transplant is carried out while the donor is brain dead, but still alive by use of a ventilator.

According to Stephen Wigmore, chair of British Transplantation Society’s ethics committee, it is unknown to what extent facial expressions will function in the long term. He said that it is not certain whether a patient could be left worse off in the case of a face transplant failing.

Mr Michael Earley, a member of the Royal College of Surgeon‘s facial transplantation working party, commented that if successful, the transplant would be “a major breakthrough in facial reconstruction” and “a major step forward for the facially disfigured.”

In Wednesday’s conference, Siemionow said “we know that there are so many patients there in their homes where they are hiding from society because they are afraid to walk to the grocery stores, they are afraid to go the the street.” “Our patient was called names and was humiliated. We very much hope that for this very special group of patients there is a hope that someday they will be able to go comfortably from their houses and enjoy the things we take for granted,” she added.

In response to the medical breakthrough, a British medical group led by Royal Free Hospital’s lead surgeon Dr Peter Butler, said they will finish the world’s first full face transplant within a year. “We hope to make an announcement about a full-face operation in the next 12 months. This latest operation shows how facial transplantation can help a particular group of the most severely facially injured people. These are people who would otherwise live a terrible twilight life, shut away from public gaze,” he said.

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Colombian military spy plane crashes

Wednesday, February 18, 2009

According to media reports, a Colombian air force AC-47 (registration FAC1670) spy plane carrying five people has crashed near the Colombian city of La Dorada, in the department of Caldas.

All on board the plane are believed to have been killed, according to Colombia Reports. Among the dead, according to Monsters and Critics, are two technicians, a major and two second lieutenants. ABS-CBN News reports that the dead included three high ranking officials and two lower ranking ones.

Jorge Ballesteros, a Colombian air force official, says that the plane took off from an air force base in the city of Puerto Salgar and was on an exercise mission when it crashed. He also states that although it was on a training exercise, the plane was carrying bombs and machine guns.

A military team has been dispatched to the area to investigate the incident, but they have already put the blame on mechanical failure. Ballestero noted that investigators have ruled out a rebel attack and terrorism as possible causes.

AC-47’s have been used by the Colombian air force for nearly 20 years, most of which were donated from the United States. They were provided to the country in an attempt to fight the illegal drug market and to defend citizens and the military against rebel attacks. They are also used to gather intelligence and come equipped with a state-of-the-art communications system, radar and infrared detection systems.

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