Everything You Can Ever Wanted to Know about Markers

Everything You Can Ever Wanted to Know about Markers

Often, firearms are usually a cost. They can be expensive and they can be curious about your interests that will connect you more securely. But how do you get the firearms that you will appreciate? Just keep reading and you can learn how to achieve it.

Everything You Can Ever Wanted to Know about Markers

Think of your child’s readiness as soon as you buy a new weapon. Small weapons are usually a threat to teenagers who naturally put everything into their teeth. Make sure the new shotgun is usually held far from the small one. The markers that can be for the purpose of older children can potentially infuriate younger children.

Good weapons need to be secured and also interesting. Aimed at youth, try to find a marker that will instruct this safe practice and its accuracy and reliability. You can find markers that can throw reliably when the ideal produces forced. Teenagers tend to master the great enjoy yourself as well. Understanding by participating in is the best knowledge. Everything You Can Ever Wanted to Know about Markers

Add your current youth to markers with examples of your ex-guns that can be used. A kind of toy and weapon game with non-lethal bullets must be popular. Your kids can try to build their goals. Many pistol models include targets so your child can process taking inferior objects.

Check the label of the gun. Lately, you do not find many pistols made with toxic components as we saw in generations of the past. But, you may still find some on the market. Such firearms may injure your child, needing the individual to swallow the component. Everything You Can Ever Wanted to Know about Markers

The acquisition of your sons or daughters is combined immediately after purchasing their special markers. Unless you realize what they really want, bet which markers they will appreciate to achieve and also jump. This is likely to convince them to find something they definitely like. Furthermore, this ensures you do not waste your money on buying any weapons that will not be picked up.

If almost all the weapons you get for a baby run only with an electric battery, be sure to remove the las vegas bankruptcy bankruptcy adolescent lawyer who can deploy it. Choose to be surprised by how fast it is to get a baby to consider battery power over firearms with a bite or even chew it. Certainly not really giving them allow you to do that.

Find a firearm that has a favorable return policy. Knowing the kind of markers teens love. By finding out the alternative insurance plan of this store, you can save a lot of trouble.

Unique Facts About the Wildlife of Galapagos

Unique Facts About the Wildlife of Galapagos

Most nature lovers who embark on wildlife holidays in Galapagos are familiar with the archipelago’s most iconic wildlife species, which include the Giant Tortoise, the Lava Lizard, the Marine Iguana, the Galapagos Sea Lion and the Blue-Footed Booby.
But while the wildlife has been studied and documented extensively, from Darwin’s first forays to the scientists who actively work to ensure its conservation into modern times, there are also some lesser-known facts about these wonderfully unique species. For anyone planning wildlife holidays in Galapagos, knowing a few of these before the trip may add another dimension to an already fascinating encounter.

 

Did You Know?

• The Marine Iguanas found in abundance throughout the archipelago are the world’s only species of marine lizard. The white appearance often seen around their faces is caused by the expulsion of salt from specially adapted glands in their nostrils, which dries and creates a “wig” effect.

• The Galapagos Penguin is the smallest in the world and the only one found north of the Equator. The combination of the cold waters of the Humboldt and Cromwell ocean currents mean it is able to survive in the warmer climate.

• With an average life span of well over a century, the Giant Tortoise lives longer than almost any other vertebrate on the planet. They continue to grow for up to 40 years and can reach a length of over 1.5m and a weight of up to 250kg.

• The most common of all the mammals throughout the islands is the sea lion. The chance to swim and snorkel amongst the curious sea lions is also one of the most sought-after encounters on wildlife holidays in Galapagos. Particularly large colonies are found on Santa Cruz, Isabela and Espanola.

• The Green Sea Turtle found in the waters around the archipelago is a species so old it has been around since before the time of the dinosaurs.

• There are five species of snakes and all of them are endemic to the dry zones of certain islands – although some islands have none. All the species are relatively small (under a metre) and are known as “racers”, due to their ability to move extremely fast. Their only natural predator is the Galapagos Hawk.

• There are four species of boobies that make the islands home. The Blue-footed Booby is renowned for its unique mating dance, where it lifts its feet and wave them in the air, appearing to “dance”, and the Red-footed Booby is the only one to make its nest in the trees and not the ground. The Nazcar Booby is the largest species, while the Masked Booby lives mainly out in the open ocean, returning to land only to breed.

• The Waved Albatross mates for life. There are over 12,000 breeding pairs on the archipelago, which represents the majority of its global population. While the birds depart the islands from December to April, they return to the same place and the same partner every year to breed.

• The term “Darwin’s Finches” actually refers to 15 different species of finches. While their bodies and colouring make them similar in appearance, each has a distinctly different, specially adapted beak.

Wildlife holidays in Galapagos offer a privileged opportunity for nature lovers to experience a truly once-in-a-lifetime encounter with some of the most incredible and unique animals on Earth. And, in this remote and beautiful part of the planet, researchers and naturalists are still learning just how astounding many of them really are. Author Plate

E-Van on the Road: StreetScooter Has a Smart Way

E-Van on the Road: StreetScooter Has a Smart Way

The move toward electric delivery vehicles a step closer last month with the inauguration of an e-van, produced by Ford and Deutsche Post DHL Group, in the German city of Cologne. The launch of WORK XL StreetScooter has been heralded as an innovative and eco-friendly response to the challenge of increasing package shipments, with 2,500 e-van expected to be ready for service by the end of 2018. So what are the features and benefits of this potential game changer? E-Van on the Road: StreetScooter Has a Smart Way
Clout capacity

XL WORK consists of a Ford Transit chassis, a body that has been built with DHL Deutsche Post specifications, and battery-electric drivetrain. With a load volume of 20 cubic meters and enough space to carry more than 200 gifts, XL WORK certainly represents a significant improvement in this case from its predecessor: WORK and WORK L have a load volume of only 4 and 8 cubic meters respectively. The rack is installed in the load area, which has been designed to be fully accessible from the cab. Loading is possible through the back door and also side side sliding doors. Thanks to a modular fitting battery system that delivers 30 kWh of power up to 90 kWh, it also has a range between 80 and 200km.

In the past, electric delivery vehicles have been criticized for their high costs. This problem is obviously handled by the author; WORK XL has a charging capacity of 22 kW however, which means the charging time is usually only three hours.

Cut Emissions

Running with electricity means every WORK XL is expected to make an annual savings of about five tons of CO2 emissions and 1,900 liters of diesel. As Jürgen Gerdes, a member of the Deutsche Post executive board, writes: “This [the StreetScooter WORK XL] is the perfect vehicle for packet shipments in large cities and large urban areas, and will enable us to overcome packet volume increases in a way that more environmentally friendly and more calm.With this commitment, we also underline our claim as a market leader in green logistics. ”

Agreed with Mr Gerdes in his approval of the electric delivery vehicle, Steven Armstrong, group vice president and president, Europe, Middle East & Africa, Ford Motor Company, added: “We are very proud of this ambitious project, and a strong partnership. with Deutsche Post DHL Group and StreetScooter.This joint project will be Europe’s largest producer of European emissions, emissions-free and does not come too long Buses, cars and, of course, delivery vans play an important role in our daily lives, yet we must find a way to make it cleaner.The project is a major step along this path. ”

Author Plate

Norman Dulwich is the correspondent for the Courier Exchange, the world’s largest neutral trading center for the same day courier work in the express goods exchange industry. Connecting professionals in the UK and Europe through their sites, Courier Exchange provides valuable services, updating members with the latest information from the transportation industry, including electric transport vehicles, fuel costs and other news. More than 4,500 transport exchange businesses are combined through their website, trade jobs and capacity in a secure ‘wholesale’ environment. E-Van on the Road: StreetScooter Has a Smart Way

The Basics of Collecting Video Games as a Hobby

The Basics of Collecting Video Games as a Hobby
The Basics of Video Games Collect as a Hobby – Video games are becoming increasingly popular among young people – from one generation to another. When it first comes out, video games are a special hobby that can only be chosen by certain children. Nowadays, it’s hard to imagine a child, or even an adult, not playing video games.

 

What most kids do not understand about video games is that some people actually go as far as collecting them. The biggest difference between today’s video games and yesterday’s video games is today’s games do not normally require physical storage devices. Even big name console manufacturers like Nintendo, Sony, and Microsoft make it easy and easier for people to download their favorite games.

However, there are some select people who take their video games seriously so they start building massive video game libraries. For these people, collecting video games is as much a hobby as playing your own game. Here are some basic video game collection. The Basics of Collecting Video Games as a Hobby

Purchased the original release

Some console manufacturers have adopted a scheme to sell some of the best-selling titles on their platform for a cheaper price. The best example of this is the Sony PlayStation. A video game becomes part of the Greatest Hits collection after selling quite a lot. The largest collection of hits is cheaper than copies produced before reaching the record.

Some puritan video games do not consider the title of re-released video games worthy of collection. The reason for this is that re-release has a higher production volume. Furthermore, some see it as inappropriate because only a few select games are considered part of the Greatest Hits.

Buying for scarcity

Some people collect video games based solely on their scarcity. Almost every hobby collection has some kind of niche sub demographic that likes to get the rarest collectibles ever. For these people, scarcity or scarcity is what gives their goods any real value. That said, the same is true for video games.

What most people do not understand is how ridiculous the price can be for video games. As an illustration, the video game King of Fighters 2000, English edition, is the final installment of the King of Fighters series. It was developed by SNK who is now bankrupt. The game has a very limited limited production of 100 copies. A copy of this game is only sold through auctions on the internet. It is considered one of the rarest games of the day and usually runs somewhere between $ 3,000 and $ 6,000. But this is just the tip of the ice berg. There is a video game that is very rare and also has a history so rich that they can order a price of up to $ 50,000. The Basics of Collecting Video Games as a Hobby

Collect games with genre

The most common collection of games people play is a collection of video games based on the genre. This is to be expected given how many subgroups are diverse in the gaming community. There are gamers who love roleplaying games. Then, there are exclusively playing fighting games. Whatever the case, some gamers love to collect games from the genre.

What to Expect When Cruising the River Moselle

What to Expect When Cruising the River Moselle

Renowned as one of the most picturesque rivers the world, the Moselle stretches for a languid 340 miles from the Vosges Mountains of France to flow into the Rhine in Germany. Various sections have become extremely popular with barge holiday operators, not just for the magnificent scenery encountered along the way, but also for the many historical attractions and, of course, the wine.
The Route of the Moselle

 

From its elevated source at Ballon d’Alsace, the river passes through the spectacularly beautiful and historically significant French landscape of Lorraine, before forming part of the border of Luxembourg and Germany. On its path it takes in countless small towns, Alpine villages and wine-growing regions. Some of the more industrialised sections of the Moselle Valley are also used for transporting goods on large cargo ships. The river joins the Rhine at Koblenz, as its longest tributary. Since it was made entirely navigable in 1964, the river has become a very busy waterway, encompassing 14 locks and a dedicated shipping channel. As well as barge holiday operators, the traffic comprises large numbers of private vessels and commercial and cargo ships.

Attractions en Route

For those on a barge holiday, whatever section of the Moselle makes up the itinerary there are countless attractions to see from the water and on shore excursions. One of the most enchanting is Burg Eltz, a real-life fairytale castle set in its own lush forest. The medieval castle is immaculately preserved, having been in one family for more than 850 years. The interiors are bedecked with original tapestries, furnishings and artworks that have been curated with such attention and care they look like the centuries have simply passed them by. Set upon the peak of a huge craggy rock, Burg Eltz epitomises the concept of a fairytale castle.

For those passing through Trier (close to Luxembourg), exploring the Roman ruins of the oldest city in Germany is a must. Founded in 16 BC by the infamous Augustus, Trier was a vital trade and financial hub for the Roman Empire for more than four centuries. Today one can walk around its many archaeological attractions and take in sites like the Porta Nigra, the Hauptmarkt and the city’s most iconic landmark, the magnificent UNESCO-listed Trierer Dom – the oldest cathedral in Germany. The city is also famous for a very different reason as the birthplace of philosopher Karl Marx.

Fine Wine

It’s not for nothing that wine is one of the most popular themes for barge holiday itineraries in this region of Germany and Luxembourg. The Moselle Valley is renowned for some of the world’s finest Rieslings, which make up around 60% of its total production. The region provides the perfect conditions for this famous grape, with records indicating that it has been grown there since 1435. The Riesling has a distinct colour and flavour that aficionados attribute to its high acidity, and it has the ability to age well up to 40 years.

For history, scenery and the opportunity to immerse yourself in one of the most acclaimed wine regions in the world, cruising along the beautiful River Moselle is invariably a most memorable and enjoyable experience for travellers of any age.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge holiday itineraries. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience.

For the Fearless: Via Ferrata in the Daring Dolomites

For the Fearless: Via Ferrata in the Daring Dolomites

Safety harnesses, a network of steel cables, security ladders and climbing insurance are all necessary for you to be able to reach the summit. Even seasoned mountain climbers find these peaks challenging – and you’re going further yet! You’d better believe the panoramic, jaw-dropping views from the top will be worth all the sweating (from both exertion and adrenaline…).
Trekking through the Dolomites is anything but a walk in the park. Renowned for its towering peaks, north-eastern Italy’s mountain range crests at over 3000m regularly. Easily recognisable thanks to its limestone spires which grace the pages of any adventure mag worth its salt, it doesn’t take an expert eye to realise this mountain range is for serious thrill-seekers.

 

Via Ferrata is The Answer

Via Ferrata offers the chance to access some of the world’s most imposing summits. Austro-Hungarian and Italian armies created these trails during WWI for the purpose of transporting supplies and soldiers through previously inaccessible regions. And now you can mirror their movements!

Nowadays the routes are in peak condition thanks to the efforts of the Club Alpino Italiano (CAI), who maintain and equip the via ferrata paths.

For a mountain climbing experience with the ultimate edge, try one of the following routes.

5 Day Flying Visit

If time isn’t on your side, don’t worry. Make a round-trip from Cortina d’Ampezzo for a 5-day adrenaline-fuelled getaway. You’ll get a flavour of different via ferrata every day, and in the evenings you can sample the flavours of the local Cortinian cuisine. The culture here is great fun too, and you’ll have the added bonus of enjoying the mountain rifugio vibes.

Sella Massif: Hiking and the Via Ferrata

Does the epic metal trail tempt you, but you’re also an avid hiker? Not a problem! The Sella Massif offers the best of both worlds. 5-day excursions from the Alta Badia are organised regularly, combining hiking with via ferrata for the ultimate dare-devil trip to the Dolomites!

Val di Fassa Region

Do you have more time to play with? Then let the Val di Fassa be your playground! An 8-day itinerary will let you really get to grips with this region’s mountains and trails. The greener stages of the route can be traversed on foot while the steep rocks littering the mountain are to be tackled by ladders and iron steps.

At the end of your trek you’ll have some envy-provoking Instagrams, rock-hard calves and a wealth of epic anecdotes to share.

Don’t Forget!

Make sure you have the necessary climbing insurance before you set out on this path. Get a quick quote that covers you for all of your adventures this year with great annual climbing insurance, or opt for a single cover if this foray through the Via Feratta is enough adrenaline-fuelled fun for now!

Author Plate

Ethan Bailey is an experienced adventure traveller and insurance expert with the team at Let’s Go Insure. Ethan’s passion is to inspire his clients to go just that little bit further, deeper and higher on their travels and his expertise in providing the ideal insurance cover allows them to do just that. If you’re looking for the best climbing insurance Let’s Go works with the most experienced underwriters, intermediaries and insurers to offer a range of competitive insurance without compromising on cover.

Introducing Young Minds to Intriguing India

Introducing Young Minds to Intriguing India

Planning a school trip brings with it more than administrative and organizational responsibilities. The challenge is on the shoulders of educators to choose goals that can engage young hearts and minds in such a way that deep and active learning can be achieved based on their immersion in culture. India is such a place – the school trip to this vibrant center of color and culture can transform life and life that is reinforcing for young minds.
Interesting Indians Introducing Young Minds to Intriguing India

School trips to India are enormous and, depending on the curriculum, can accommodate a myriad of religious sites, community projects, and aspects of local tradition and culture. The most successful trip will incorporate all of this to give a good view to all students in the country, but also some breathing spaces in places that quite often surprise their cultural system. Exploring the Unknown

For a school trip with a focus on economic and socio-political studies, experiencing striking community differences in India can give young learners valuable insights. While observing the pollution and marked trash that accompany daily life may be encountered at times, it provides an excellent opportunity for them to reflect on the need for environmental awareness.

On a different level, a visit to a community project like Father Ravi Shelter, working with homeless children in Delhi, can offer a deeper understanding of the problematic socioeconomic problems of the city and how this dedicated group works to combat them. Introducing Young Minds to Intriguing India

Religious place

A fusion of religious beliefs exist side by side in India, with relics and contemporary ornaments of Sikhism, Hinduism, Buddhism, and Jainism on a constant display. Students will have the opportunity to visit significant places of worship and witness firsthand how, even amidst diversity, tolerance, and peaceful coexistence so vast can and will last forever.

In the holy city of Rishikesh they can join in an important Hindu ritual called Gangga Aarti, which involves fire victims – in this case a small floating candle called diya – sent down the Ganges River, accompanied by prayer and song worship. While in Delhi they can follow the community food program at the beautiful Sikh temple, Gurudwara Bangla Sahib, where volunteers prepare food and visitors of all races and religions are welcome to participate.

Finding Local Culture

The Indian identity is defined by deep cultural intonation. For young people, exploring cities and rural areas allows them to see how ancient traditions and contemporary innovations are closely intertwined.

A visit to the village of rural crafts offers another dimension to the tour, and Dilli Haat is a fascinating portrayal of tradition in action. This bazaar is a compilation of 62 kiosks, whose products are displayed in accordance with the birth status of the owner for 15 days. With a row of beautiful items, ranging from carvings of sandalwood to silk, this is an interesting cross section of the creative industry. Aravali Eco Village offers an immersive experience of a different kind, where visitors stay and get a chance to interact in local dances, crafts, and ceremonies.

Exploring a society very different from them in every way will bring young people beyond their comfort zone and provide a completely new facet with their worldview.

John Gardiner is Managing Director of The School Travel Company, a tour operator specializing in school trips for schools and youth groups to the UK, Europe and beyond. As a father and avid traveler, John is keen to provide students with a valuable and exciting learning experience outside the classroom. By sharing expert advice with teachers, he allows them to inspire their students and continue their studies into life. Introducing Young Minds to Intriguing India

Save Time and Money with Shipping Insurance

Save Time and Money with Shipping Insurance

In some industries, you are required to send many packages by mail. Maybe you have several factories that specialize in different parts of the same product before it’s done, or maybe you have some clients who prefer to ship their items right from your office. Whatever the case, it often makes sense for a business to run an insurance delivery account when they will be using a regular delivery service.

Save Time and Money with Shipping Insurance

The main benefit of having an account for PIC insurance is you do not have to worry about having to think about whether every package needs to have shipping insurance before you ship it. In any business, time is just as important as money, and in some cases time can be even more important. Every second you spend thinking about whether this package requires insurance or filling out the necessary documents is the time that you can spend on other aspects of your business.

Seperek here or there may seem unimportant, but when added together, the price can be very expensive. For example, you have to fill an order that requires 50 packets, and you must fill out a document to get shipping insurance for each package. If each form takes 30 seconds to fill in, you’ve spent almost half an extra hour fully packing your packets. Do it twice a week for a year, and you’ll spend a full working week at no cost except shipping. Efficiency is one of the key to making money for a business while wasting time just the opposite.

Not having an account can also be expensive in terms of lost money because it does not take advantage of discounts. When you send multiple packages at once, you can often get a price break for a larger amount. This can be valuable, because every dollar saved is a dollar then you can reinvest it into your business. It’s much easier to grow a business when you can allocate other resources to hire more qualified people. Save Time and Money with Shipping Insurance

Choosing an account for PIC insurance is a great way to get your business in a prime position to deliver the goods to where you need them, while ensuring your reputation stays intact with the items you send. If you are looking for ways to move your business forward, this can be a great start to doing.

5 Unique Things to Do on Your Journey to London

5 Unique Things to Do on Your Journey to London

In a city that is traded with great tourists like London, sometimes the best experience the region has to offer does not work.

Take your journey to the next level with this insider tip about the best unique things to do in London and then share your experience with the world!

Check out these 5 cool stops on your next trip to London:

Visit God’s Junkyard
This little treasure boasts the largest collection of vintage and neon signs throughout Europe.

God’s Own Junkyard is the brainchild of artist Chris Bracey. Bracy is famous as “Neon Man” and has been collecting followers like a cult for the last 37 years.

The art featured on Junkyard features new and used neon signs ranging from old film props, retro displays, circus lights and improved vintage neon.

Hike Big Ben 5 Unique Things to Do on Your Journey to London
With 334 steps to get to the top, the opposite of fitness in the body of every person will be very happy to follow this nontraditional exercise with a view.

Once at the top of Elizabeth Tower, where the clock bell, you will have spectacular views of the Westminster Bridge and surrounding areas.

It’s a cheap and fun way to get a beautiful view that most unconscious people are available!

Enjoy the Night Life at Scandal London
Scandal Club London is a cool and sexy way to experience the night life London has to offer.

The club combines the spaciousness of Mayfair London with a light thrill from the Red Light District in Amsterdam.

Features such as entrances with frayed curtains, large VIP areas, and a concave dance floor complete with cabar style dancers bring together a cohesive decadent atmosphere.

Detour to House of Dreams 5 Unique Things to Do on Your Journey to London
Another unconventional art display, the House of Dreams is the home of artist Stephen Wright featuring an extensive home mosaic of recycled goods and rejuvenated items.

Wright is an artist and textile designer with more than 3 decades of experience at the scene and has created his small House of Dreams since the 90s.

The entire first floor of the house, as well as the garden and its exterior, slowly transformed into a gigantic statue with every inch of wall, floor, and ceiling that is covered in art.

The house is only open to the public a few days a year, so plan your trip accordingly. This is not the place you want to miss.

Magic Experience on Platform 9 3/4
The Harry Potter series, which has tens of millions of fans from around the world, is partly played in London. That means if you happen to be one of the millions of fans, here’s your chance to live a little fantasy.

Let your nerd side play by visiting the famous 3/4 Platform 9/4 at King’s Cross station and experience the little wonder that Harry and his friends are doing.

There are many unique things to do in London!
Use insider knowledge about unique things to do in London to make your next trip to the books.

Which stops at the top of your list?

Good Auto Insurance Policy

Good Auto Insurance Policy

Although car insurance is a must-have for cars, it does not cost a lot of money. If applicable, you can calculate your car insurance rate with your insurance provider to the minimum possible threshold while ensuring that you are in good coverage. A good car insurance policy will not only protect you as a vehicle owner in the event of an accident but also take into account any damage that may occur to a third party. If you are considering the following budget car insurance plans are a few tips to help keep your insurance interest rates low; Good Auto Insurance Policy
· Insure your home and car with the same company – Insuring your car with the same company that insures your home makes you unreadable with discounts called multi-line discounts. Thus, you pay less than you should if you insure your car and home with a separate company. Even then, you should be sure about the possibility of a discount before making a commitment to get your car insurance from a company that insures your home because not all companies offer multi-line discounts.

Good Auto Insurance Policy

· Meet all your cars in one policy – If you have more than one car, you can make sure everything is in one policy to qualify for multi-vehicle discounts. This lets you enjoy savings on both mobile phones. Just like multi-line discounts, you need to check if a discount is offered before signing up.

· Maintain clean driving records – Your driving record is a factor when calculating your car insurance rate. As a result, your insurance rate is affected by a traffic ticket that covers up to three years and six years for accidents. Having a bad driving record means you pay an extra premium so make your car insurance expensive.

· Go for low-risk cars – Your car insurance premium is determined based on your car history. If your car is very likely to be stolen or involved in an accident then you will pay more for insurance premiums.

· Choosing a Pay-As-You-Drive Policy – It is highly recommended if you do not drive for long distances. Therefore, consider applying for a policy based on your annual or monthly mileage. The pay-as-you-drive policy allows your premium to fluctuate depending on the frequency behind the wheel because your mileage records are stored through monthly and yearly reports shared with policy providers.

· Take precautions against the possibility of theft – Installing an anti-theft device in your car may also contribute to lowering your car insurance premium as it reduces the risk of theft.

· Let insurance companies bid for you – When you shop for your car insurance and deliberately let the insurance company know that you are not done yet, you can get a better deal. That is, you can choose to tell the business what other offers offer so as to give them the opportunity to decline the offer for your benefit.

In conclusion, there are many factors that determine how much you will pay the premium. Thus, perhaps lowering your car insurance premiums still enjoy great service. Good Auto Insurance Policy