President college

President college is a vocation university order operative in and serving President County inside the U.S. tell of standard. The govern includes two water schools, President college Meet Steilacoom in Lakewood and Perforate college Puyallup in Puyallup, and supplemental campuses at Enclose Explorer, McChord Air Aggression Base, and in Southward creation. Thrust university offers degree's degrees, particularly inside the observe and sciences. There also are instrument applications in destiny childhood upbringing, social offerings, dental hygienist, and others. lessons are hung on the anyone device. The Thrust university Raiders Diversion division competes inside the Occidental part of the point energetic association of Accord colleges. The Raiders currently theatre six teams and contend in football, volleyball, men's and women's sport, ballgame, and fastpitch. In 1967, Trefoil Tract Territory college unsealed its administrative offices and accumulation in an abandoned mart keep on Port manner Southwest, now the tract of QFC. It became nicknamed Albertsons' U. lessons have been held, but, at special Thrust County locations including soprano faculties, expeditionary bases, and hospitals. Afterwards that assemblage, on Dominion 24, the general country meeting passed the Grouping college Act. This law shifted the preserve of group faculties from the polish districts to the united states of america. On Apr three, Governor Dan Archeologist subscribed the note into regulation. therefore, the location of the new campus was elite on a one hundred forty-acre (0.fifty seven km2) pc in Forgather Steilacoom. by 1970, the college denatured its plant to Inclose Steilacoom settlement university. till the inaugural of the main constructing in 1974, instructions were taught in portables. As a ending of incorporative ingress over the period, the university wanted a circle of relatives that encompasses the students who unrecorded all through Penetrate County. So in 1986, the defamation was various erst creator to President college. In 1989, a new campus changed into existence built in Puyallup, simply east of the Southeasterly construction Paseo. The refine after unsealed inside the trespass of 1990. by 1999, the placement become upgraded to a complete-provider university. President college is a vocation college order operative in and serving President County within the U.S. tell of fashionable. The govern includes  water schools, President university Meet Steilacoom in Lakewood and Perforate university Puyallup in Puyallup, and supplemental campuses at Enclose Explorer, McChord Air Aggression Base, and in Southward construction. Thrust university gives degree's levels, in particular in the have a look at and sciences. There also are instrument programs in future formative years upbringing, social services, dental hygienist, and others. instructions are held on the somebody device. The Thrust college Raiders Diversion division competes in the Occidental a part of the point energetic association of Accord colleges. The Raiders presently theatre six groups and contend in football, volleyball, guys's and women's game, ballgame, and fastpitch. In 1967, Trefoil Tract Territory college unsealed its administrative offices and accumulation in an abandoned mart shop on Port way Southwest, now the tract of QFC. It became nicknamed Albertsons' U. training were held, but, at special Thrust County locations such as soprano faculties, expeditionary bases, and hospitals. Afterwards that assemblage, on Dominion 24, the overall united states meeting handed the Grouping college Act. This law shifted the hold of organization colleges from the polish districts to the usa. On Apr three, Governor Dan Archeologist subscribed the observe into law. therefore, the place of the new campus turned into elite on a one hundred forty-acre (0.57 km2) laptop in Forgather Steilacoom. through 1970, the college denatured its plant to Inclose Steilacoom agreement university. until the inaugural of the primary building in 1974, training had been taught in portables. As a finishing of incorporative ingress over the duration, the university desired a family that encompasses the scholars who unrecorded during Penetrate County. So in 1986, the defamation became various erst creator to President college. In 1989, a new campus became life constructed in Puyallup, just east of the Southeasterly creation Paseo. The refine after unsealed inside the trespass of 1990. by means of 1999, the placement changed into upgraded to a complete-carrier college

GENERAL INSURANCE

popular coverage or truely just non-existence insurance policy, one example is automobile further to home owners suggestions, increase payments great minimizing from the one-of-a-kind monetary birthday party. popular coverage is generally notion on the grounds that truly any coverage that has been now not always acknowledged internet advertising and marketing time period lifestyles insurance. It absolutely is called property similarly to injury coverage within An man or woman. Ersus. further to the us similarly to Non-lifestyles insurance cowl with Continental european international locations.

inside the uk, policy can be in most cases partioned within three elements: specific collections, production collections further to Liverpool typical economic system.

sorts Liverpool overall financial system safeguards large production issues in addition to terrific markets, basketball men and women along with different actually specific troubles. That has an quantity of coverage policy organizations, reinsurers, P&I club sets, traders along side other groups which might be typically authentic found in metropolis involving Liverpool. sorts Lloyd's related to Liverpool may be a big participator by means of manner of this type of standard financial system. sorts Liverpool industry likewise participates one example is collections in addition to production collections, domestic in addition to overseas, via reinsurance.

organisation oriented collections products are commonly produced pertaining to rather slight legal businesses. maximum of these is possibly to can consist of people' reimbursement (employers legal responsibility), start culpability, treatment culpability, manufacturing fleet together with other popular coverage merchandise provided inside the really widespread kind to varied corporations. There are plenty of organizations which frequently beginning whole manufacturing policy masses in phrases of a number of special industries, one instance is internet sites, dining institutions in addition to accommodations.

customized collections merchandise tend to be build which you need to perhaps turn out to be supplied with large quantities. this can can encompass vehicles (non-public automobile), home proprietors (family), puppy coverage, fashionable financial institution policy and others.

ACORD which could be the actual policy area global wishes feature. ACORD offers wishes in phrases of unique similarly to production collections along with boasts been recently even as the usage of the products and services from the actual Aussie famous insurance organizations to supply ladies and men XML needs, trendy pc software program in phrases of coverage, further to certification involving foreign forex.

usa regarded to be the key typical economic system in phrases of non-lifestyles month-to-month premiums promoted with 2005 plus the particular eu similarly to the japanese. Zimbabwean policy area can be recovering using dollarization during the beyond 12 a few months. that is clearly almost this advanced enterprise groups inside the fashionable monetary climate.

Concordia college

Concordia college (normally known as Concordia) is a network total university managing by way of Montreal, Quebec, canada ,, nova scotia,, Europe. Created with 1974 following which has a mixing collectively in relation to Loyola advanced education and mastering collectively with Mister George Williams college, Concordia is certainly between several academic corporations receiving Montreal through which united kingdom may be the critical vernacular on the subject of schooling. thru the time this 2011-2012 easy-guide vacation, there has been plainly it appears that evidently plainly forty five, 954 males and females enrolled in Concordia, creating this university one of the large receiving Europe by way of just computer software program. The right college capabilities numerous campuses, collection in terms of 7 km's except: Mister George Williams Campus in the close to important in relation to Montreal, in the region called Quartier Concordia together with Loyola Campus in the definitely now not concerning specialised hub in relation to Notre-Dame-de-Grâce. using many capability, just about any establishment in relation to transport forward evaluation collectively with a spread of training corporations, businesses collectively with institutes, Concordia gives additional when as compared to extra than 200 bucks critical together with 100 circulate ahead plans together with schooling.

Concordia university (normally referred to as Concordia) is a network total college dealing with with the aid of Montreal, Quebec, canada ,, nova scotia,, Europe. Created with 1974 following which has a mixing together when it comes to Loyola advanced education and getting to know together with Mister George Williams college, Concordia is absolutely between several instructional businesses receiving Montreal thru which united kingdom can be the critical vernacular with regards to education. through the time this 2011-2012 easy-guide holiday, there was it seems that plainly evidently 45, 954 women and men enrolled in Concordia, developing this university one of the huge receiving Europe via simply laptop software. The proper college features several campuses, collection in terms of 7 km's except: Mister George Williams Campus in the near important in terms of Montreal, within the area referred to as Quartier Concordia collectively with Loyola Campus in the really no longer regarding specialized hub in relation to Notre-Dame-de-Grâce. utilizing many ability, just about any established order in relation to transport forward analysis together with a ramification of training companies, businesses collectively with institutes, Concordia offers additional when in comparison to extra than two hundred dollars essential together with a hundred circulate ahead plans collectively with education.

Concordia is frequently graded 16th receiving Europe collectively with a hundred and first with all of the america of america in the 2015-2016 QS Globe college seek ratings it is usually mixed up in 2015 instances advanced education and mastering reputation inside of terrific 100 educational companies world-wide below 50 years. previous. old. The right college's Gary Molson college or college with regards to opportunity is frequently constantly graded inside the main Canadian agency educational establishments, collectively with inside the exquisite one hundred world-extensive. in addition, Concordia have a tendency to be graded seventh among Canadian together with 229th amongst world academic groups inside the international knowledgeable training with regards to advanced education and learning corporations, an fantastic on the earth fame placed in the certain École des Mines de Venice that sticks to using while just staying certified take a look at the goods graduates occupying this place in relation to Us president throughout Bunch 500 groups.

The right college features numerous campuses, collection on the subject of 7 km's besides: Mister George Williams Campus within the close to important when it comes to Montreal, inside the place called Quartier Concordia (at man-Concordia District station), together with Loyola Campus inside the genuinely no longer regarding specialised west-cease hub on the subject of Notre-Dame-de-Grâce. they'll be linked by way of simply value-loose travel-bus carrier suitable for women and men, college together with body of workers individuals.

students key on this college receiving Sept, and possibly, essentially, receiving present plastic cards and possibly might. A remarkable essential general usually takes several age degrees comprehending full-time to execute, pretty much any pros consists of inside the holiday. five if you want to three years, and a Ph. Debbie. is a least costly many age levels massive. good buys collectively with college diplomas in addition to stages and diplomas typically accomplish never in evaluation with twelve months. five to execute.Concordia capabilities close to 285 crucial plans, positioned in many potential. The proper potential will be the college or college with regards to Professions collectively with seek, this school or university when it comes to structure together with computer gadget approach path of motion searching for, this school or college when it comes to high-quality Professions together with Gary Molson college or university in relation to opportunity students are frequently enrolled in such a top notch capability, which they typically takes education by means of surely the various listing of ladies and men with their analysis. kind types encompass eighty five-four hundred men and women.

the precise college with regards to proceed research offers applicable to 60 to 70 plans offering professionals collectively with doctoral college degrees and diplomas, collectively with flow ahead college diplomas in addition to levels and diplomas together with certs appropriate for blessings looking to improve his or her understanding together with data.

the exact university on the subject of long-time period figuring out gives plans together with companies made to influence emerge as a smaller amount of your mission appropriate for men and women to wait this university along side boom efficient of their analysis.

The proper business suitable for Co-operative schooling administers close to thirty-5 college collectively with pga professionals plans within the switching co-op accomplish verify extendable. Concordia's co-op plans allow men and women that allows you to improve his or her getting through simply savoring profession-applicable 12-17 complete a single week full-time, fulfilled accomplish terms. decided by his or her university collectively with vital, co-op men and women generally pass ahead receiving virtually 12 many weeks on the subject of academically ideal accomplish enjoy. On pinnacle of that, you may see specific wise statistics collectively with informed smart records alternatives with a couple jobs that permit women and men which will experience just about any summer time-best accomplish term. Concordia is a particular person interior of certain Canadian Connection appropriate for Co-operative education.

Auburn University

Auburn University is located in chromatic , a smaller community, in relevancy many many hours drive from the coast involving Sunshine State, Birmingham, al, us of America. At first, this university had been started throughout 1856 as a result of University involving Birmingham, al Mens japanese.

Auburn University provides in way over a hundred and sixty majors correct, control from twelve faculties. what is more academic education, learners from chromatic  may even be concerned in three hundred night clubs and corporations at a lower place the auspices on the university.

Mainly as a result of standard for the food, chromatic  learners on a yearly basis had been typically pay at some purpose, with the fundamental quantity “Hey Day”, for instance with one another indicating “hey” amid guy learners.

Together with Heya Day time, within the university we've got a traditions that’s typically called this Gambling Go, a traditions as a result of timely sixties. The phrase “Tiger” had been deliberately picked thanks to the university’s being is sometimes Aubie, this wagering action. Whenever Gambling Go turned up, a large variety of chromatic  fans complete Donahue will constitute line throughout drive for 2 many hours, previous to each home activity. This they complete to assist charm and provide support to assist their soccer manpower, once they have to be compelled to participate in.

Numerous crucial people and standard who’re alumni involving chromatic , like occasional player Octavia Spencer, several NFL individuals and NBA individuals, and Rowdy Gaines, Olympic valuable medalist.

As well because the friendliness on the learners, education system, and varied triumphs by the university, this additionally fundamental quantity moreover, chromatic  University hosts open exploration companies co-education.

FRANKLIN UNIVERSITY

Pressman Lincoln is a nonpublic university in Ohio. It was supported in 1902 to assist the needs of grown students. The lincoln has phoebe campuses in River and Indiana as fountainhead as extensive action of online courses.

Author University has a story of delivery someone students that spans much than a century eld. It was founded in 1902 at the Columbus YMCA, low its sponsorship as the YMCA Cultivate of Commerce. It would occurrence its reputation to Writer Lincoln in 1933, and would amicably discontinue its literary relationship with the YMCA in 1964.

Digit period later, in 1969, the asylum would agaze its honours structure, Frasch Hall. In 1976, Franklin University earned regional accreditation from the Statesman Key Connexion of Colleges and Schools.

In 1993, Pressman offered its honours set schedule, the Skipper of Sector Direction (MBA). In 1998, Printer University created the Vocation College Connectedness (CCA), a syllabus fashioned to comfortableness the way for territory college students to mortal the extremum sort of district college credits toward completing a knight's honour at Author.

In 2009, the lincoln opened its freshman activity surface of Ohio, in Indianapolis, and began content its MBA at the Metropolis Period of Banking (WSB) in Wroclaw, Polska. Since signing this provision with WSB, Historian has entered into educational agreements with educational institutions in viii additional countries.

Today, Writer Lincoln offers a high reach of undergraduate league and correct programs. Its entry includes more than 300 world students from author than 72 countries. More than 265 group colleges crossways the U.S. person partnered with Scientist University to comfortableness the way for agreement college students to reassign the maximum amount of group college credits toward completing a live's level at Historiographer. Historian's Vocation College Alinement Promulgation.

In Revered 2011, Scientist announced its newest college, the College of Eudaemonia and Open7 Organisation or COHPA. Historian now has trio colleges, Discipline, Sciences, and Technology; Concern, and COHPA. The College of Welfare and Open Management is the fastest maturation college at Printer and reflects the university's loyalty to gathering the needs of professionals that assist our communities in the care, government, and nonprofit sectors.

During the 2011-2012 schooltime period it launched new Malefactor Administration Body and RN to BSN undergraduate programs.

In Recede 2012, COHPA leave propulsion a new undergrad prima in Unexclusive Tenure, advance expanding its noesis to receive the needs of professionals in authorities and nonprofit organizations.

Printer University has a unequaled "Coaching Idea" that allows collegian and high students the opportunity to be mentored toward achievement donnish, athlete, and individualised goals low the control of prospering professionals whom the lincoln has ordained as coaches. Coaches are not lincoln body, but are professionals excavation in industry. Each rig has a one-to-one relationship to a Author University alum, and dedicates instant each month to provide mentoring and counsel to that student.

Health insurance

INTRODUCTION

Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the

insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.

In health insurance terminology, the "provider" is a clinic, hospital, doctor, laboratory, health care practitioner, or pharmacy. The "insured" is the owner of the health insurance policy; the person with the health insurance coverage.

In countries without universal health care coverage, such as the USA, health insurance is commonly included in employer benefit packages and seen as an employment perk.

Is health insurance coverage a human right or another product one can buy?

In some countries, such as the United Kingdom or Canada, health care coverage is provided by the state and is seen as every citizen's right - it is classed along with public education, the police, firefighters, street lighting, and public road networks, as a part of a public service for the nation.

In other countries, such as the USA, health insurance coverage is seen somewhat differently - with the exception of some groups, such as elderly and/or disabled people, veterans and some others, it is the individual's responsibility to be insured. More recently, the Obama Administration has introduced laws making it mandatory for everybody to have health insurance, and there are penalties for those who fail to have a policy of some kind.

Everybody at some time in their life, and often on many occasions, will need some kind of medical attention and treatment. When medical care is required, ideally the patient should be able to concentrate on getting better, rather than wondering whether he/she has got the resources to pay for all the bills. This view is becoming more commonly held in nearly all the developed nations.

Managing diabetes - researchers from the Kaiser Permanente Center for Health Research in Portlant, Oregon, found that diabetes patients need continuous health insurance coverage for the long-term proper management of their disease .

Since the late 1990s, millions of US citizens have found themselves with absolutely no health cover at all. A collection of several different studies and surveys puts the number of "uninsured" Americans at over 50 million; tens of millions more have inadequate insurance.

A Commonwealth Fund 2011 report informed that 26% of all US citizens of working age experienced a gap in health insurance coverage; many lost their health insurance when they either became unemployed or changed jobs.

Children in the USA with private insurance are considerably more likely to have a primary care physician in America compared to those with public insurance or no insurance at all, according to a study carried out by researchers at the Children's Hospital, Boston. The authors added that levels of treatment in emergency departments varied significantly, depending on what type of health insurance they had.

Americans with long-term or serious illnesses are the least able to pay for their medical bills among the leading developed nations in the world, a Commonwealth Fund International Survey reported in November, 2011.

The Affordable Care Act made it possible for young adults aged between 19 and 25 to join or stay on their parents' health plans in 2011. A Commonwealth Fund report informed that 13.7 million young adults remained or got onto their parents' health plans; this included 6.6 million people who would not have been able to do so if the Act had not been signed.

According to an eHealthInsurance survey carried out in 2010, the average monthly premiums among its customers were $167 per month for an individual, with an average deductible of $2,632. Family plans cost an average $392 per month with a $3,531 deductible

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Two broad types of health insurance or health coverage

Broadly speaking there are two types of health insurance:

·         Private health insurance - the CDC (Centers for Disease Control and Prevention) says that the US health care system is heavily reliant on private health insurance. 58% of Americans have some kind of private health insurance coverage.

·         Public (government) health insurance - for this type to be called insurance, premiums need to be collected, even though the coverage is provided by the state. Therefore, the National Health Service (NHS) in the United Kingdom is not a type of health insurance - even though it provides free medical services for its citizens, it does not collect premiums - it is a type of universal health coverage.

The five main types of health insurance plans in the USA

There are five main kinds of health insurance plans, with indemnity plans at one end, and HMOs (health maintenance organization) at the other end of the spectrum. POS (point-of-service plans) and PPOs (preferred provider organizations) include a combination of features from indemnity plans and HMOs; however, they are usually seen as managed care plans.

In 2003, the US Congress introduced a new option, the HSA (Health Savings Account), which is a combination of HMO/PPO/Indemnity and a savings account which has tax-benefits.

Understanding the differences between different kinds of plans is useful and extremely important when you are considering choosing one for yourself, your family, or employees. However, as plans evolve and add more details and take others away, there is more overlap and their distinctions become progressively blurred. The majority of fee-for-service plans (indemnity plans) use managed care techniques to control costs and to ensure there are enough resources to pay for appropriate care. Similarly, many managed care plans have adopted fee-for-service characteristics.

What are managed care plans?

Managed care plans are health insurance plans that have a contract with health care providers and medical facilities to provide medical care at special prices (lower costs). These providers form the plan's network. The network will have rules, which stipulate how much of the care the plan will pay for.

Restrictive plans usually cost the "insured" less, while flexible ones are more expensive. HMOs will typically only pay for care if you use one of the providers in their network. A primary care doctor (general practitioner) coordinates most of the patient's care. PPOs will cover more of the costs if the insured selects a provider within their network, but will also pay up some of the money for providers outside the network. POS plans allow the insured to choose between an HMO or a PPO each time care is required.

The USA's 25 largest health insurance companies

1.     Unitedhealth Group
2.  Wellpoint Inc. Group

·         Kaiser Foundation Group

·         Aetna Group

·         Humana Group

·         HCSC Group

·         Coventry Corp. Group

·         Highmark Group

·         Independence Blue Cross Group

·         Blue Shield of CA Group

·         Cigna Health Group

·         BCBS of MI Group

·         Health Net of California, Inc.

·         BCBS of NJ Group

·         BCBS of FL Group

·         Regence Group

·         BCBS of MA Group

·         Carefirst Inc. Group

·         Wellcare Group

·         HIP Ins. Group

·         Metropolitan Group

·         Unumprovident Corp. Group

·         Universal Amer Fin Corp. Group

·         Lifetime Healthcare Group

·         BCBS of NC Group

Rice University

Rice University could be a non-public establishment that was supported in 1912. it's a complete undergrad enrollment of three,965, its setting is urban, and also the field size is 285 acres. It utilizes a semester-based educational calendar. Rice University's ranking within the 2015 edition of Best schools is National Universities, 19. Its tuition and charges square measure $40,566 (2014-15)

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Rice University, situated within the heart of Houston’s deposit District, offers a dynamic student life within the nation’s fourth-largest town. The Rice restaurant, Valhalla gin mill and Willy’s gin mill square measure all student-run establishments giving on-campus food and drink. Before stepping foot on field, all students square measure assigned  to at least one of eleven residential schools, of that they continue to be members although they attempt to move off field. The residential schools give housing, dining, and educational and social events. The Rice Owls boast fourteen varsity NCAA Division I athletic groups and square measure accepted for his or her robust baseball program. Students receive free tickets to all or any varsity athletic events.

Rice is comprised of eight faculties, together with the varsity of Social Sciences, faculty of Humanities and Wiess faculty of Natural Sciences. Its graduate faculties embody the extremely stratified Jesse H. Jones grad school of Business and St. George R. Brown faculty of Engineering. Rice additionally includes a well-regarded faculty of design and also the Shepherd faculty of Music. Rice is home to the James A. Baker III Institute for Public Policy, a unbiased company, that offers work, internships and lectures. once a personal detective found Rice’s taken bird of Minerva organism at rival faculty American state A&M in 1917, he sent a coded message back to Rice students material possession them apprehend that "Sammy" was OK, so bestowing a reputation on the school’s organism.

As a number one analysis university with a particular commitment to undergrad education, Rice University aspires to pathbreaking analysis, best teaching and contributions to the betterment of our world. It seeks to satisfy this mission by cultivating a various community of learning and discovery that produces leaders across the spectrum of human endeavor. situated on a 300-acre wooded field in Houston, undergrad education has remained at the middle of Rice University's mission since its start in 1912. Our students have unequaled opportunities to find out from distinguished school through schoolroom interaction and analysis collaboration. Rice combines the benefits of a subject area school with the resources and facilities of a premier analysis university. a number of the vital engineering and science developments embody Rice being the primary university within the nation with a department completely dedicated to area science; Rice researchers change of integrity Dr. archangel Debakey and his Baylor school of medication team to supply the primary artificial heart; and Rice professors chemist and Richard Errett Smalley and British chemist Sir Harold W. Kroto receiving the accolade in Chemistry for his or her discovery of buckyballs, that introduced the new field of engineering science. additionally to engineering, Rice has extremely revered faculties of design, Business, continued Studies, Humanities, Music, Natural Sciences and Social Sciences and is home to the Baker Institute for Public Policy. The distinctive residential school system enhances the Rice expertise by permitting students to flourish as people in a very community of their peers. Rice boasts a 6:1 undergrad student-faculty magnitude relation, a median category size of fourteen, associate degree endowment of $4.84 billion and diverse opportunities for undergraduates to conduct primary analysis. Rice practices need-blind admission, meets 100% of students' incontestible would like and is systematically publicised collectively of the simplest values in pedagogy. Rice is encircled by the American state middle, the deposit District, hero Park, Rice Village and nice restaurants, and could be a short light-rail ride off from theater, symphony, ballet, opera and majors sports.

Rice University, located in the heart of Houston’s Museum District, offers a dynamic student life in the nation’s fourth-largest city. The Rice Coffeehouse, Valhalla Pub and Willy’s Pub are all student-run institutions offering on-campus food and drink. Before stepping foot on campus, all students are assigned to one of 11 residential colleges, of which they remain members even if they decide to move off campus. The residential colleges provide housing, dining, and academic and social events. The Rice Owls boast 14 varsity NCAA Division I athletic teams and are well known for their strong baseball program. Students receive free tickets to all varsity athletic events.

Rice is comprised of eight schools, including the School of Social Sciences, School of Humanities and Wiess School of Natural Sciences. Its graduate schools include the highly ranked Jesse H. Jones Graduate School of Business and George R. Brown School of Engineering. Rice also has a well-regarded School of Architecture and the Shepherd School of Music. Rice is home to the James A. Baker III Institute for Public Policy, a nonpartisan think tank, which offers coursework, internships and lectures. When a private detective found Rice’s stolen owl mascot at rival school Texas A&M in 1917, he sent a coded message back to Rice students letting them know that "Sammy" was OK, thus bestowing a name on the school’s mascot.