2018 Office of Risk Management Annual Conference Sedgwick

2018 Office of Risk Management Annual Conference Sedgwick Risk Services Roles and Responsibilities Andrew S. Kovacs, Jr., MBA, CWCP Sedgwick Risk Services Team Lead 2018 Office of Risk Management Annual Conference Risk Services Responsibilities Safety Audits (Full Audits and Compliance Reviews) Safety Inspections (Walkthroughs) Safety Training Safety Consultations Building Appraisals 2018 Office of Risk Management Annual Conference Risk Services Staff Safety Audits, Walkthroughs, Consultations Katharine Pee Cheryl Turrentine Jarred Guidry Jack Travis Mandy Meaux

2018 Office of Risk Management Annual Conference Risk Services Staff Building Appraisals (New Appraisals, Re- Appraisals, Building Deletions, Building Modifications) Joseph Stackhaus Iverson Rhome Scott Levet Stephen Ducote 2018 Office of Risk Management Annual Conference Malcolm Dodge VP Risk Services Rich Dose Dira Pelmore DCS - Mgr, Risk Services Lisa Orr (.8) Human Factors Risk Services Services Consultant

Laura Oslund Risk Services Consultant Consultant Daniel Hibbs Sr. Programmer Mark Almburg Director, Risk Karen Wiehn Admin. Assistant, Sr. Andrew Kovacs Risk Services, Team Lead Cheryl Jarred Guidry Risk Services Risk Services Mandy Meaux Risk Services Katharine Pee Risk Services Consultant Consultant Iverson Rhome Risk Services Appraiser Stephen Ducote

Risk Services Appraiser Turrentine Consultant Consultant Jack Travis Risk Services Consultant Scott Levet Risk Services Appraiser Joseph Stackhaus Risk Services Appraiser 2018 Office of Risk Management Annual Conference Safety Audit Cycle FY 17-18 CR CR CR CR Full Audit CR Full Audit Full Audit CR CR CR CR CR CR Full Audit CR

Full Audit CR Full Audit CR CR Full Audit Full Audit CR CR CR Full Audit Full Audit CR CR Full Audit CR CR Department Insurance Workforce Commission Children & Family Services Wildlife & Fisheries Public Safety Justice CRT Lt. Governor Agriculture & Forestry Education University of La. System LSU System Legislature Special Schools Technical Colleges Secretary of State Civil Service DOA Public Service Commission Employee Benefits Southern Systems Treasury Executive Revenue Health & Hospitals DOTD LSUMC

Economic Development Corrections Environmental Quality Boards & Commissions Judicial Natural Resources Beginning Date July July July July July August August August September September September September October October October November November November November December December December January January January February February March March March April April April Ending Date July August August

August September August October October October October October November November November December December November December December January January January February February March March March March April April April April April 2018 Office of Risk Management Annual Conference Sedgwick Risk Services - Audits Full Audits every 3 years Scope

Purpose Findings and Results Compliance Reviews conducted in between Full Audit years Scope Purpose Findings and Results 2018 Office of Risk Management Annual Conference Sedgwick Risk Services Audits (continued) Compliant Findings Class B Agency 5% Discount on Insurance Premiums Quarterly Safety Inspections Safety Meetings 2018 Office of Risk Management Annual

Conference Sedgwick Risk Services Audits (continued) Non-Compliant Findings Class A Agency 5% Surcharge on Insurance Premiums Monthly Safety Inspections Safety Meetings 2018 Office of Risk Management Annual Conference Sedgwick Risk Services Walkthroughs Facility Walkthroughs Part of all Full Audits and Compliance Reviews All facilities not included in Audit Schedule Scope Purpose

Findings and Results Implications 2018 Office of Risk Management Annual Conference Sedgwick Risk Services Training Training ORM Training Programs Loss Prevention Program Accident Investigation Safety Inspections Safety Meetings Supervisor Responsibilities Job Safety Analysis Specialized Training

Forklift Operator Certification Bloodborne Pathogens 2018 Office of Risk Management Annual Conference 2018 Office of Risk Management Annual Conference Sedgwick Risk Services Consultations Consultations Policy development Procedures development Safety Assessments Exposure determinations Risk Mitigation Special Requests 2018 Office of Risk Management Annual Conference Sedgwick Risk Services Consultations (continued)

Accident Investigations Onsite Investigations Telephonic Assistance Procedural Analysis Procedural Development Root Cause Analysis 2018 Office of Risk Management Annual Conference Sedgwick Risk Services Appraisals Property Appraisals/Valuations New Appraisals Newly built or renovated buildings Re-Appraisals Existing buildings re-valued every 4 years Building Deletions Verification of demolished buildings

Verification of transferred buildings Sold Donated Transferred 2018 Office of Risk Management Annual Conference Sedgwick Risk Services Appraisals (continued) Complex Building Appraisals State Capital Building Smoothie King Center Louisiana Superdome Historic Building Appraisals State Capital Building Old Governors Mansion Eddie G. Robinson Museum 2018 Office of Risk Management Annual Conference

Targeted Risk Improvement Program TRIP Mandated Agencies Loss Analysis Trend Identification Policy and Procedures Modifications Customized Training 2018 Office of Risk Management Annual Conference LAORM Loss Prevention Targeted Risk Improvement Program (TRIP) 2018 Office of Risk Management Annual Conference Program Overview Reduce claims cost through a consultative approach to Loss Prevention. Target/Benchmark agencies by use of Cost Per Man-hour (CPH) methodology Refocus & enhance the agencies current efforts from a LP standpoint 2018 Office of Risk Management Annual

Conference How is the CPH Calculated? Total number of hours worked per year divided by the total claims cost for that year Avg. cost per employees hourly wage that goes towards WC claims cost 2018 Office of Risk Management Annual Conference The Targeted Process Identify agencies/locations in need of additional LP support Publish CPH findings & invite agencies to participate in the Program LP Consultant conducts detailed loss analysis by Line of Coverage, (i.e. Workers Comp) accident type, occupation, location, etc. 2018 Office of Risk Management Annual Conference The Targeted Process (continued) LP Consultant will meet with agency representative to review loss data, establish program goals, and review process protocol Work alongside agencies LP Coordinators to find solutions that meet the agencies needs and budget constraints Discuss & recommend tools available to the agency Monitor Results 2018 Office of Risk Management Annual Conference Loss Analysis Cause by

Frequency Top 20 CAUSE by Frequency Qtr Fiscal Year Cause Description (Interaction) Struck/Injured By Fellow Worker, Patient Fall On the Same Level Collision with Another Vehicle Cut, Punctured, Scraped, NOC Lifting Fall, Slip or Trip, NOC Pushing or Pulling Top 20 CAUSE by Frequency 4 Qtr Fiscal Year 2016 Values Count % of Top 20 336 224 155 132 107 99 78 19.0% 12.7% 8.8% 7.5% 6.1% 5.6% 4.4% Caught In, Under or Between, NOC

Needle Stick Running and Training Fall/Slip From a Different Level 68 65 55 54 3.9% 3.7% 3.1% 3.1% Fall/Slip From Liquid or Grease Spills Struck/Injured By Falling or Flying Object Bitten Twisting Strike Against/Step On Stationary Object Fall/Slip on Stairs Trip 52 2.9% 51 51 45 2.9% 2.9% 2.5% Contact with Infectious Disease Struck/Injured By Animal or Insect Grand Total Cause Description (Interaction) 4 2017 Values Count

% of Top 20 Struck/Injured By Fellow Worker, Patient 570 27.3% Collision with Another Vehicle 234 11.2% Fall On the Same Level 220 10.5% Cut, Punctured, Scraped, NOC 137 6.6% Fall, Slip or Trip, NOC 110 5.3% Lifting 86 4.1% Fall/Slip From Liquid or Grease Spills 74 3.5% Needle Stick

72 3.4% Pushing or Pulling 70 3.4% Fall/Slip From a Different Level 58 2.8% Motor Vehicle, NOC 51 2.4% Bodily Reaction 49 2.3% Struck/Injured By Animal or Insect 47 2.2% Fall/Slip on Stairs 47 2.2% Absorption, Ingestion or Inhalation NOC 46 2.2%

Struck or Injury By, NOC 45 2.2% 2.4% 2.4% 2.1% Bitten Strike Against/Step On Stationary Object 45 2.2% 44 2.1% 36 2.0% Trip 42 2.0% 36 1765 2.0% 100.00% Collision with a Fixed Object 42 2.0% 2089

100.0% 42 42 37 Grand Total 2018 Office of Risk Management Annual Conference Loss Analysis Cause by Severity Top 20 CAUSE by Severity Qtr Fiscal Year 4 2016 Cause Description (Interaction) Total Values Top 20 CAUSE by Severity Qtr Fiscal Year Fall On the Same Level Struck/Injured By Fellow Worker, Patient 2,220,919 16.112910% Cause Description (Interaction) Struck/Injured By Fellow Worker, Patient 1,802,998 13.080869% Collision with Another Vehicle

1,407,924 Lifting Pushing or Pulling Gunshot/Bullet, During Act of Crime Fall/Slip From Liquid or Grease Spills Fall, Slip or Trip, NOC Fall/Slip From a Different Level Fall/Slip on Stairs Trip Caught In, Under or Between, NOC Fall/Slip From Ladder or Scaffolding Twisting Caught In/Between-Machine or Machinery Bending Struck/Injured By Falling or Flying Object Collision with a Fixed Object Reaching Running and Training Grand Total % of Top 20 4 2017 Total Values % of Top 20 2,367,869 16.902876% Fall On the Same Level 2,073,123 14.798856% 10.214578% Collision with Another Vehicle

1,726,750 12.326296% 1,397,528 744,390 666,800 10.139156% 5.400596% 4.837675% Pushing or Pulling Fall, Slip or Trip, NOC Gunshot/Bullet, During Act of Crime 843,604 779,552 766,385 6.022015% 5.564783% 5.470790% 661,585 661,407 597,442 581,408 537,722 432,371 348,903 272,032 4.799841% 4.798550% 4.334481% 4.218152% 3.901205% 3.136880% 2.531312% 1.973609% Struck/Injured By Motor Vehicle Fall/Slip From a Different Level Lifting Bending

Fall/Slip on Stairs Fall/Slip From Liquid or Grease Spills Strain or Injury By, NOC Bodily Reaction 711,760 571,117 552,739 501,730 383,214 362,706 357,588 349,414 5.080851% 4.076880% 3.945694% 3.581565% 2.735546% 2.589150% 2.552616% 2.494266% 259,856 255,137 1.885271% 1.851036% Twisting Overexertion 310,195 301,638 2.214309% 2.153221% 251,059 233,310 226,522 1.821446% 1.692678% 1.643429%

Trip Motor Vehicle, NOC Altercation Caught In/Between-Collapsing Material Grand Total 291,252 267,668 246,040 2.079083% 1.910728% 1.756337% 244,330 14,008,673 1.744137% 100.000000% 224,164 1.626325% 13,783,475 100.000000% 2018 Office of Risk Management Annual Conference 2018 TRIP Methodology Phase 1 FY 2016 Department Head Count Aggregate Rate FY 2017 Department Head Count Rate

DPSC - Corrections 4,869 2.4690861 DPSC - Corrections 4,807 2.4513938 DCFS 3,395 2.4264242 DCFS 3,597 2.3719099 821 2.3158709 DPSC - Public Safety 2,711 2.2785762 2,645 2.3106200 DYS - Off of Juv Just 800 2.2176250 Wildlife & Fisheries

876 2.0924201 Wildlife & Fisheries 883 2.1213137 DEQ 679 2.0777909 DEQ 700 2.0556286 Agriculture 565 1.6811681 CRT 1,088 1.6777206 CRT 1,096 1.6711861 Agriculture 596 1.6481711

LDH 7,513 1.4520524 LDH 7,624 1.4420212 Housing Authorities 1,221 1.4141114 Housing Authorities 1,201 1.4253372 Ports, Levee Boards 1,206 1.3725788 Ports, Levee Boards 1,184 1.3919341 Veteran Affairs 878 1.2387244 DNR 305

1.2733770 DNR 314 1.1912420 Veteran Affairs 887 1.2504510 Education - Other 723 1.1509682 Education - Other 830 1.0607229 Secretary of State 757 1.0705416 Secretary of State 741 1.0604184 4,352 1.0569210 DOTD 4,351

1.0521236 516 0.8794186 Executive Department 3,868 0.8578878 4,085 512 0.8139755 0.7644727 Justice Public Services Comm 534 84 0.8341011 0.827500 DYS - Off of Juv Just DPSC - Public Safety DOTD Justice Executive Department Health Care Services Public Services Comm 87 0.7132184 Health Care Services 456 0.7681360

28,386 0.6413415 Education 714 0.6775490 688 0.5860465 Higher Education 31,025 0.6094511 1,011 0.5497132 LWC 942 0.5271019 227 0.3966079 SCS Agencies 238 0.4260504 9 0.3388889 Independent

18 0.3305556 13 0.2876923 Legislative 8 0.2862500 Insurance 231 0.2826407 Insurance 225 0.2860000 Revenue 736 0.2466168 Revenue 717 0.2603068 Lieutenant Governor 11 0.2318182 Lieutenant Governor

18 0.2266667 Retirement Systems 343 0.2030612 Retirement Systems 340 0.2043824 79 0.1762025 Treasury 78 0.1781790 114 0.1742105 Economic Development 110 0.1759091 Higher Education Education LWC SCS Agencies Legislative Independent Treasury Economic Development

2018 Office of Risk Management Annual Conference Workers Comp Class Codes OccupationalGroupCode A1 A2 B1 B2 B3 C1 C2 C3 C4 C5 D1 D2 D3 D4 D5 E1 E2 E3 E4 E5 E6 E7 E8 E9 F1 F2 F3 F4 F5 F6 G1 G2 G3 H1 H2 H3 H4 H5 H6 I1

OccupationalGroupName CLERICAL AND RECORDS MANAGEMENT PURCHASING, SUPPLY, AND SALES ACCOUNTING AND AUDITING INSURANCE RATE AND FINANCIAL ANALYSIS LEGAL GENERAL ADMINISTRATIVE EXECUTIVE ADMINISTRATIVE HUMAN RESOURCES AND EMPLOYMENT INFORMATION TECHNOLOGY PLANNING, RESEARCH, AND MANAGEMENT ANALYSIS MARKETING, INFORMATION AND LIBRARY SCIENCES TRAINING AND EDUCATION MUSEUMS AND CULTURAL ARTS EDUCATIONAL TELEVISION PROFESSIONAL MEDICAL SOCIAL & MENTAL HEALTH SERVICES THERAPEUTIC TREATMENT PERSONAL CARE AND SUPPORT NON-PROFESSIONAL MEDICAL LABORATORY & DIAGNOSTIC SERVICES FACILITY ADMINISTRATION SOCIAL & MENTAL HEALTH SERVICES SOCIAL, CORRECTIONAL, AND MENTAL HEALTH INDUSTRY & NATURAL RESOURCES REGULATION AND CONTROL HEALTH & SANITATION REGULATION AND CONTROL TRANSPORTATION REGULATION AND CONTROL AGRICULTURAL REGULATION AND CONTROL LAW ENFORCEMENT & INVESTIGATIONS CORRECTIONAL SECURITY PROFESSIONAL AND ADMINISTRATIVE ENGINEERING LANDSCAPE AND ARCHITECTURE TECHNICAL AND SUPPORT ENGINEERING CUSTODIAL, DOMESTIC, AND GROUNDS FOOD SERVICES LABOR, MAINTENANCE, AND TRADES VEHICULAR OPERATIONS AND MAINTENANCE PRINTING SERVICES RADIO & ELECTRONIC COMMUNICATIONS FARMING, FOOD PRODUCTION, AND PROCESSING I2 PARKS, WILDLIFE, CONSERVATION, & FORESTRY SERVICES

Class Code Rate 8810 8810 8810 8810 8810 8820 8868 8810 8810 8803 8810 8810 8868 8810 7610 8832 8864 8833 8842 8833 4511 9015 8864 7720 9410 9014 7720 0170 7720 7720 8601 0042 8601 9015 9082 9015 8393 4299 7610 0083 $0.17

$0.17 $0.17 $0.17 $0.17 $0.16 $0.34 $0.17 $0.17 $0.09 $0.17 $0.17 $0.34 $0.17 $1.06 $0.31 $1.55 $1.11 $2.71 $1.11 $0.76 $3.00 $1.55 $2.89 $2.88 $2.53 $2.89 $2.01 $2.89 $2.89 $0.28 $4.14 $0.28 $3.00 $1.12 $3.00 $1.26 $1.35 $1.06 $5.20 9102 $2.48 2018 Office of Risk Management Annual Conference

Workers Comp Class Codes Explained Based on Scopes Manual (Private Sector) Occupation Group Codes By Job Function Job Function shows Risks associated Scopes manual rates applied to Occupation Based on concentration of Occupation Codes Developed rate for each Developed overall rate/Risk Profile by Agency 2018 Office of Risk Management Annual Conference Workers Comp Class Codes Explained (continued) Overall rates broken down by: Head Count per Occupation Code (percentage of total) Rate per Occupation Code based on percentages Total of pro-rated Manual Rates for all Occupation Codes 2018 Office of Risk Management Annual Conference Workers Comp Class Codes Example Department AGRICULTURE Occupation A1 - CLERICAL AND RECORDS MANAGEMENT % of Head Count Rate Aggregate

Rate 69 11.58% 0.17 0.01968121 3 0.50% 0.17 0.00085570 18 3.02% 0.17 0.00513423 B3 - RATE AND FINANCIAL ANALYSIS 1 0.17% 0.17 0.00028523 C1 - LEGAL 3 0.50% 0.16 0.00080537 46 7.72% 0.34 0.02624161 C3 - EXECUTIVE ADMINISTRATIVE 8

1.34% 0.17 0.00228188 C4 - HUMAN RESOURCES AND EMPLOYMENT 7 1.17% 0.17 0.00199664 14 2.35% 0.09 0.00211409 D1 - PLANNING, RESEARCH, AND MANAGEMENT ANALYSIS 7 1.17% 0.17 0.00199664 D2 - MARKETING, INFORMATION AND LIBRARY SCIENCES 1 0.17% 0.17 0.00028523 E1 - PROFESSIONAL MEDICAL 5 0.84% 0.31 0.00260067 E4 - PERSONAL CARE AND SUPPORT 5

0.84% 2.71 0.02273490 E6 - LABORATORY & DIAGNOSTIC SERVICES 6 1.01% 0.76 0.00765101 184 30.87% 2.01 0.62053691 F5 - LAW ENFORCEMENT & INVESTIGATIONS 28 4.70% 2.89 0.13577181 H3 - LABOR, MAINTENANCE, AND TRADES 27 4.53% 3.00 0.13590604 H4 - VEHICULAR OPERATIONS AND MAINTENANCE 25 4.19% 1.26 0.05285235 H5 - PRINTING SERVICES 1

0.17% 1.35 0.00226510 I1 - FARMING, FOOD PRODUCTION, AND PROCESSING I2 - PARKS, WILDLIFE, CONSERVATION, & FORESTRY SERVICES 7 1.17% 5.20 0.06107383 131 21.98% 2.48 0.54510067 A2 - PURCHASING, SUPPLY, AND SALES B1 - ACCOUNTING AND AUDITING C2 - GENERAL ADMINISTRATIVE C5 - INFORMATION TECHNOLOGY F4 - AGRICULTURAL REGULATION AND CONTROL AGRICULTURE Total Head Count 596 Overall 0.83% Rate 1.6481711 2018 Office of Risk Management Annual Conference 2018 TRIP Methodology Phase

2 Loss analysis by Agency Class Code Location Overall 2018 Office of Risk Management Annual Conference 2018 TRIP Methodology Phase 3 Develop Benchmarks by Similar Class Codes Similar Agency Risk Profiles Locations Overall 2018 Office of Risk Management Annual Conference 2018 TRIP Methodology Phase 4 Develop Modification Factors using Losses by Class Code Losses by Agency Risk Profiles Losses by Locations Overall Losses 2018 Office of Risk Management Annual Conference TRIP Trends Reported losses in FY 2016; 666 indemnity claims, 1,828 medical only claims, 2,494 total reported losses 2016 reported losses valued at 12 months, indemnity claims make up 27% of the losses and 84% of the total paid Reported losses in FY 2017; 581 indemnity claims, 2,295 medical only claims, 2,876

total reported losses 2017 reported losses valued at 12 months, indemnity losses make up 20% of the claims and 83% of the total paid 2018 Office of Risk Management Annual Conference TRIP Trends 2016 Slip/trip/fall 508 cases or 20.4% of all cases Struck by patient or fellow worker 336 cases or 13.5% of all cases Vehicle collisions 155 cases or 6.2% of all cases Three kinds of cases account for about 40.1% of all cases Slip/trip/fall cases account for 32.8% of loss costs Struck by patient or fellow worker cases account for 10.5% of all loss costs Vehicle cases account for 9.6% of all loss costs Three kinds of cases account for 52.9 of all loss costs 2018 Office of Risk Management Annual Conference TRIP Trends 2017 Slip/Trip/Fall 551 cases or 19.2% of all cases Struck by patient or fellow worker 570 cases or 19.8% of all cases Vehicle collisions 276 cases or 9.6% of all cases Three kinds of cases account for about 48.6 of all cases Slip/trip/fall cases account for 26.1% of loss costs

Struck by patient or fellow worker cases account for 13.9% of loss costs Vehicle cases account for 11.7% of all loss costs Three kinds of cases account for 51.7% of loss costs 2018 Office of Risk Management Annual Conference TRIP Trend Interpretations Slip, Trip and Fall Highest percentage 20.4% (2016), 19.2% (2017) Struck by patient or fellow worker Second Highest percentage 13.5% (2016), 19.8% (2017) Vehicle Collisions Third Highest Percentage 6.2% (2016), 9.6% (2017) Top three combined 40.1% (2016), 48.6% (2017) 2018 Office of Risk Management Annual Conference 2018 Office of Risk Management Annual Conference 2018 Office of Risk Management Annual Conference Trend Solutions Trip, Slip, and Falls Facility Safety Inspections Facility Repairs and Maintenance

Struck by patient or fellow worker Crisis management techniques Patient monitoring enhancements Vehicle Collisions Defensive driving classes Driving habits observation program 2018 Office of Risk Management Annual Conference Other Safety Solutions Proper Lifting/twisting while lifting Back Injuries can be costly Lifting below shoulder level Stacking/storage organization Pushing/pulling Push rather than pull Whenever possible Use mechanical devices (i.e. forklift, pallet jack)

Caught In Between Look for pinch points 2018 Office of Risk Management Annual Conference 2018 Office of Risk Management Annual Conference 2018 Office of Risk Management Annual Conference 2018 Office of Risk Management Annual Conference 2018 Office of Risk Management Annual Conference Additional LP Information www.laorm.com Claims Reporting Loss Analysis Info LP Video Library LP Training Resources Contact Information 2018 Office of Risk Management Annual Conference 2018 Office of Risk Management Annual Conference Contact Information Sedgwick Risk Services Team Lead Andrew Kovacs [email protected] ORM Loss Prevention Manager Brett Beoubay [email protected] 2018 Office of Risk Management Annual Conference QUESTIONS

Recently Viewed Presentations

  • 131 Product / Service Design AS Edexcel New

    131 Product / Service Design AS Edexcel New

    concern over resource depletion: designing for waste minimisation, re-use and recycling. Watch a video that shows clear plastic bottles being made into fabric for clothes. Do aesthetics have to be sacrificed when re-using?
  • Chapter 15 the autonomic nervous system

    Chapter 15 the autonomic nervous system

    neural pathways through sympathetic chain ganglia- there are 3 possible paths for preganglion fibers- 1st a spinal path, in and out at the same level- 2nd pre go or then post to form plexus prior to effectors- 3rd presynaptic pass...
  • jQuery - unipi.it

    jQuery - unipi.it

    Introduction to jQuery Giuseppe Attardi Università di Pisa Some slides from: BreadFish jQuery Core jQuery(selector, [ context ]): Accepts a string containing a CSS selector which is then used to match a set of elements and returns a jQuery object....
  • The Judicial Branch - Clarkston High School

    The Judicial Branch - Clarkston High School

    The Judicial Branch SSCG16 The student will demonstrate knowledge of the operation of the federal judiciary. a. Explain the jurisdiction of the Supreme Court, federal courts and the state courts. b. Examine how John Marshall established the Supreme Court as...
  • Cell Division mitosis and meiosis

    Cell Division mitosis and meiosis

    Meiosis is a form of reduction division. It only occurs in the _____ (sperm and egg cells). There are two distinct divisions - meiosis I and meiosis II. Both divisions are pretty much the same as _____ except prophase I....
  • Demystifying ACH Payments to Canada

    Demystifying ACH Payments to Canada

    Arial Times New Roman Wingdings Symbol Lucida Sans Unicode Quadrant Microsoft Office Excel Chart Microsoft Word Document Demystifying ACH Payments to Canada Presentation Overview Opportunity for X-Border Payments Opportunity for X-Border Payments Opportunity for X-Border Payments Canada - U.S. Comparison...
  • Skeletal System - AAEC Veterinary Science

    Skeletal System - AAEC Veterinary Science

    the skeletal system = bones, joints, cartilage, and various connective tissues ... is the plural form. Horse C7 T18 L6 S5 Cd 15-21. Dog C7 T13 L7 S3 Cd 20. ... Cloven hoof. Cloven hoofed animals. Two digits (III-IV) Three...
  • Cuban Missile Crisis - WordPress.com

    Cuban Missile Crisis - WordPress.com

    Cuban Missile Crisis The Missiles: One Site A Brief Chronology May, 1962: Khrushchev makes veiled references to a plot (How would the U.S. feel to have missiles pointing at them, as they have missiles pointed at us?)