5 days ago · The UMass Law campus is in Dartmouth, Massachusetts, between Providence, RI, and Cape Cod—and just 60 miles south of Boston and minutes from the beach. Housing. UMass Dartmouth offers limited graduate housing. There are numerous apartment options in New Bedford and Fall River, which are both close … Slide: Shop UMass Law Books, UMass Law gear, technology, gifts and more! Nov 9, 2023 · UMass Law offers scholarships, loan programs, and payment plans to help students and their families with educational expenses. Our financial aid staff is prepared to assist you in learning what is available and how to access needed funding for your studies. Apply for financial aid. Learn more about UMass Law's process: how to apply for ... University of Massachusetts--Dartmouth 2023-2024 Rankings. University of Massachusetts--Dartmouth is ranked No. 167 (tie) in Best Law Schools and No. 63 in Part-time Law. Schools are ranked ... 5 days ago · LAW 511: Legal Skills II. Betsy Byra received her JD from Boston University School of Law in 2020. She is licensed to practice law in Massachusetts. Prior to joining the faculty at UMass Law, Betsy worked at a Boston law firm as an associate in the complex commercial litigation and dispute resolution group. Betsy …Mar 5, 2024 · The Law School building (which houses the Law Library) is currently only open to current students, faculty, and staff via card access. We encourage members of the community with legal research questions to contact the library through email at [email protected]. • UMass Law has the third-highest bar pass rate among law schools in Massachusetts, with a 82.6 percent pass rate for first-time test takers. • The American Bar Association ranked UMass Law No. 1 in New England and No. 11 in the nation for the percent of graduates in full-time government or public interest-related jobs. Updated: Feb 11, 2020 govt.chinadaily.com.cn Print. The Health Commission of Shanxi Province has designated hospitals for special treatment of the novel …Home. China hotels. Taiyuan hotels. Mercure Taiyuan Downtown. Best price. guarantee. 12 photos. No 22 Qinxian North Street, Xiaodian District, 030006 …5 days ago · Law School Café. The UMass Law campus features a self-service café located in the downstairs student lounge. Attractively decorated, the café features ample, comfortable seating. It is a great place to meet with your study group, catch up on your reading, or simply take a breather from your busy class schedule. ...Dec 9, 2023 · UMass Law Associate Dean for Academic Affairs Shaun Spencer argued before the Massachusetts Supreme Judicial Court in support of a broad interpretation of the state’s alimony law. The case, Openshaw v. Openshaw, involved the former husband’s appeal from an alimony award that included $1,000 per week for the former wife to …I am dean of UMass Law School, the only public law school in Massachusetts. Our mission… · Experience: UMass Law · Location: North Dartmouth, Massachusetts, United States · 500+ connections ...Mar 18, 2024 · Our law students enroll in the field placement course for credits. They choose to enroll for 3 credits, requiring 130 hours of work to be completed over the semester, or 4 credits, requiring 170 hours of work to be completed over the semester. Field placement is offered year-round. The precise weekly work schedule is arranged between the field ...5 days ago · Mission Statement. UMass Law is the Commonwealth's public law school. We are committed to providing an excellent, affordable, and accessible legal education. Our collegial community respects and promotes diversity in identity and ideas. Our program balances legal theory, doctrine, skills, experience, and …Jun 6, 2022 · UMass Law Financial Aid Services Phone: 508.985.1187 Fax: 508.985.1104 [email protected]. Sandra Leger Silva, Assoc. Director of Financial Aid Phone: 508.985.1112 [email protected]. Request Info close. There are many reasons to choose UMass Law. As Massachusetts' only public law school, we are preparing a …2 days ago · Professional Background. Geoffrey McDonald is an Assistant Professor of Law at UMass Law School. Professor McDonald teaches in the areas of contracts, bankruptcy, commercial law, jurisprudence and ethical theory. He previously taught jurisprudence, moral philosophy and theology at Emory University, while …Mar 24, 2024 · Hockey East will claim four of the 16 spots in the upcoming NCAA Division 1 men’s hockey tournament, with UMass getting in under the wire via the … Chancellor Fuller discusses the importance of higher education in the region and UMass Dartmouth's role in the SouthCoast community. UMass Law repeats strong practical training ranking by preLaw magazine. A- ranking places law school 2nd in MA and 3rd in New England for "Best Schools for Practical Training" for 2024. Feb 24, 2024 · UMass Law students who have completed Legal Skills III may participate in the ABA’s Client Counseling Competition, which assesses fundamental lawyering skills such as interviewing and counseling clients. Interested students should contact Dean Cahill. Legal Writing Competitions.2 days ago · Criminal law is the study of the essential principles relating to substantive crimes and defenses. UMass Law students are extremely fortunate to be able to engage in the real-world practice of criminal law through the law school's Criminal Prosecution Clinic, housed directly in the Bristol County District Attorney's Office.Feb 14, 2024 · UMass Law offers three programs leading to the Juris Doctor degree, as well as joint degree programs: 3+3 baccalaureate/JD, JD/MBA, JD/Public Policy, JD/Master of Social Work. Traditional full-time day …Dec 9, 2023 · UMass Law Associate Dean for Academic Affairs Shaun Spencer argued before the Massachusetts Supreme Judicial Court in support of a broad interpretation of the state’s alimony law. The case, Openshaw v. Openshaw, involved the former husband’s appeal from an alimony award that included $1,000 per week for the former wife to … Book Vouchers. Students with excess financial aid may be eligible for a book voucher. Book vouchers are financial aid funds that can be used at the campus store to purchase textbooks and school supplies. Nov 9, 2022 · The Public Interest Law Fellowship (PILF) offers a comprehensive, integrated program designed to train students for careers in public service. Up to 25 fellowships are awarded to entering students each year in a highly competitive application process. The fellowship includes a 50% scholarship for both tuition and fees in exchange for a ...Jan 17, 2024 UMass Law students publish and present their research in law journals and at an international conference; Contact. 508-985-1199. g\g]di;ph\nn_)`_p. UMass School of Law 206 Search Directory. Edit. CLOSE MAIN MENU. Check My Status myUMassD Support UMass Law Directory Search. About; Admissions & Aid ...Applying to Law School. You’ve done your research, and now you’re ready to apply to law school. The process may seem overwhelming at first, but once you are more familiar with it, you’ll see that it’s really pretty straightforward. These resources are designed to smooth the way for you. Start below with the overview, checklist, and …2 days ago · Evan C. Zoldan (2022). Houston L. Rev. , 59, 621. Evan C. Zoldan researches legislation, administrative law, and civil procedure. His article on targeted legislation, The Equal Protection Component of Legislative Generality, was selected for presentation at the Yale / Stanford / Harvard Junior Faculty Forum at Yale Law School.5 days ago · University Resources (available to all law students) UMass Dartmouth Counseling Center. Individual counseling, group therapy, crisis services, workshops, provider lists for local, off-campus psychologists and psychiatrists. UMass Dartmouth Student Affairs Care Network -referrals for student behavioral concerns and wellness issues.Nov 4, 2021 · History. UMass Dartmouth has a long history, dating back to 1895. A significant chapter in that history took place in 2010, when the Massachusetts Board of Higher Education voted to approve the university’s authority to grant the degree of Juris Doctor, and the University of Massachusetts School of Law - Dartmouth (UMass Law) was established.17 hours ago · UMass alum Jonathan Quick became the all-time winningest American-born goalie in NHL history Saturday after backstopping the Rangers to …Mar 21, 2024 · Learn about the UMass Law School, a comprehensive public law school that offers outstanding professional preparation, real-world law practice …5 days ago · Civil Service hearings are regularly held here, and UMass Law also uses the Hearing Room for school functions. Reserving the courtrooms. Unless previously reserved, the Larkin Moot Courtroom and the Hearing Room are available any time during regular law school hours. To reserve time in either courtroom, contact the Dean's Office at …Apr 29, 2017 · The best hotels in Xiao Dian, Taiyuan, China. March 2024. April 2024. Exact dates. 1 day. 2 days. 3 days. 7 days. Home. Hotels. China. Shanxi. … Tuition rates for the University of Massachusetts are set by the university’s Board of Trustees each spring. UMass awards nearly $1 billion in all forms of financial aid each year, including more than $395 million in university-generated aid, which significantly lowers the actual out-of-pocket cost. To estimate your own net price, use our ... 5 days ago · Delayed VA Payments. Under S2248 PL 115-407 Section 103, UMass Law will not impose a late fee, denial of access to facilities, or other penalty against a veteran or eligible dependent due to a late payment of tuition and/or fees from the VA up to the certified benefits amount. Any portion of the student bill not covered by VA benefits is still ...Jun 7, 2022 · UMass Law 333 Faunce Corner Road Dartmouth, MA 02747-2300 508-985-1100 [email protected]. Hours. Monday: 9am - 5pm Tuesday: 9am - 6:30pm Wednesday: 9am - 6:30pm Thursday: 9am - 6:30pm Friday: 9am - 4pm (Hours are subject to change during exams, holidays and summer session)5 days ago · UMass Law is preparing a new generation of lawyers who will pursue justice. Outstanding professional preparation. You’ll master essential legal skills, …Sep 25, 2023 · Before joining the faculty of UMass Law, Zoldan was a professor of law at the University of Toledo College of Law. He will teach Civil Procedure. By Debra Hazian 508-999-8693 eib{jboAvnbtte/fev. Foster Administration 202 Debbie Hazian Posted Monday, September 25, 20232 days ago · Teaching Methodology. Dr. Lisa Lucile Owens is a scholar of law and society, with research primarily focused on social inequality, the function of law in society, housing inequality, and research and teaching methodology. Since Fall 2022, Owens has served as an assistant professor of law at The University of Massachusetts School of Law.Updated: Feb 11, 2020 govt.chinadaily.com.cn Print. The Health Commission of Shanxi Province has designated hospitals for special treatment of the novel …Aug 6, 2020 · UMass Law is pleased to offer five optional areas of focus in your study of law: public interest & government law, family law, business law, criminal law, and immigration law. Those who choose to specialize in their legal studies can select courses within each area of focus while gaining hands-on experience in our legal …May 17, 2022 · UMass Law seeks students with varied backgrounds and experiences. We do not favor any particular pre-law course of study. During the admissions process, we evaluate each applicant as an individual to assure that your abilities and potential are truly recognized. Since we believe that our future students are more than a set of numbers, we admit ...3 days ago · Home > About Us. Becoming a leading one-stop solution provider for the global chemical industry. TJCY has specialized in the chemicals that applied …May 17, 2022 · UMass Law seeks students with varied backgrounds and experiences. We do not favor any particular pre-law course of study. During the admissions process, we evaluate each applicant as an individual to assure that your abilities and potential are truly recognized. Since we believe that our future students are more than a set of numbers, we admit ...Mar 21, 2024 · UMass Law is the only public law school in Massachusetts, offering JD and JD/MBA programs with a focus on social justice, public service and skills …2 days ago · Evan C. Zoldan (2022). Houston L. Rev. , 59, 621. Evan C. Zoldan researches legislation, administrative law, and civil procedure. His article on targeted legislation, The Equal Protection Component of Legislative Generality, was selected for presentation at the Yale / Stanford / Harvard Junior Faculty Forum at Yale Law School.2 days ago · Peltz-Steele has won awards in teaching, research, and public service. He practiced commercial law in Baltimore and Washington, D.C., and taught law for more than thirteen years before coming to UMass Law in 2011. Peltz-Steele is author, co-author, or co-editor of qualitative and quantitative research in law and mass communication in journals ... Slide: Shop UMass Law Books, UMass Law gear, technology, gifts and more! 2 days ago · UMass Law Adjunct Professor Judge George Phelan Reflects on a Busy 2023 and His Unlikely Path to the Judiciary. Judge George Phelan reflects on a busy 2023, while focusing on the year ahead. U.S. Supreme Court hears maritime insurance case researched by Jonathan Goldman, JD '21 .2 days ago · Professional Background. Danya Shocair Reda is an Assistant Professor at UMass Law. Professor Reda’s scholarship explores the relationship between procedure and inequality. Her research has examined the use of data in procedural and court reform, and the ways in which empirical claims may be used …2 days ago · Criminal law is the study of the essential principles relating to substantive crimes and defenses. UMass Law students are extremely fortunate to be able to engage in the real-world practice of criminal law through the law school's Criminal Prosecution Clinic, housed directly in the Bristol County District Attorney's Office.2 days ago · Peltz-Steele has won awards in teaching, research, and public service. He practiced commercial law in Baltimore and Washington, D.C., and taught law for more than thirteen years before coming to UMass Law in 2011. Peltz-Steele is author, co-author, or co-editor of qualitative and quantitative research in law and mass communication in journals ...2 days ago · Books, UMass Law gear, technology, gifts and more! Shop Now. Contact. Financial Aid. UMass Law. 508-985-1187 508-985-1104 [email protected]. Individual counseling: request a meeting to discuss financing plans and options. Last modified: Fri, Nov 17, 2023, 03:48 by Debra Hazian.Jan 4, 2024 · Students who have questions about their grades should seek to discuss the matter first with the relevant faculty member. In certain limited circumstances, students may pursue a formal grade appeal. The process for pursuing a grade appeal is described in § 19 of the UMass Law Student Handbook (PDF). Student Conduct & Dispute ResolutionAug 15, 2023 · UMass Law's curriculum reflects a combination of tradition and innovation, combining subjects that form the core of a comprehensive legal education with an emphasis on skills and values based on best practices—all within the context of our mission to educate lawyers prepared to pursue justice. Curriculum guides & checklists: see Law ...Aug 9, 2023 · We also rank 7th in the U.S. and first in New England for public service employment (Reuters) and 4th in the U.S. for graduates working in government jobs ( preLaw magazine). UMass Law is conveniently located on the southcoast of Massachusetts, 30 miles from Providence, RI and Cape Cod, MA, and 60 miles from Boston with easy highway access. Law JD. Offered as: On-campus. Graduate. As a law student, you’ll master essential legal skills, learn the fundamentals of statutory and case law, and explore new and emerging areas of practice. Your preparation begins with our simulation-based Legal Skills sequence of courses and culminates in real-world clinic, internship, and pro bono ... The Dongshan campus of Shanxi University was officially opened on Aug 28 in Xiaodian district of Taiyuan, capital of North China's Shanxi province. University …Jun 7, 2022 · A. A student accepted into the Public Interest Law Fellowship (“PILF”) Program (“Recipient”) receives a waiver of half tuition/academic fees for as long as the student remains a Public Interest Law Fellow at the University of Massachusetts School of Law-Dartmouth (“UMass Law”). Public Interest Law Fellows may also …5 days ago · UMass Law is located at 333 Faunce Corner Road, Dartmouth, MA. Campus map. From Boston. Take Interstate 93 South to Route 24 South Take Route 24 South to Route 140 South Take Route 140 South to Interstate 195 West Get off at Exit 22-B (Faunce Corner Road) UMass Law is less than 3/10ths of a mile on the right. From Cape Cod. …Jun 6, 2022 · The current PILF Scholarship Program also requires a commitment by the recipients to pursue full-time careers as attorneys in public interest law for at least four years following admission to the bar. The fact that there is no longer a loan to repay is not meant to diminish this commitment in any way. 2. Positions may be …Oct 24, 2019 · UMass Law ranked among the nation's top 41 law schools for privacy law according to the International Association of Privacy Professionals. May 18, 2022 · The course was not taken more than 4 academic years before your matriculation at UMass Law. In light of the nationwide effects of the COVID-19 public health crisis, the associate dean has the discretion to approve credits earned during spring 2020 at an ABA or state-approved law school under any form of pass/fail or … Chancellor Fuller discusses the importance of higher education in the region and UMass Dartmouth's role in the SouthCoast community. UMass Law repeats strong practical training ranking by preLaw magazine. A- ranking places law school 2nd in MA and 3rd in New England for "Best Schools for Practical Training" for 2024. 2 days ago · Evan C. Zoldan (2022). Houston L. Rev. , 59, 621. Evan C. Zoldan researches legislation, administrative law, and civil procedure. His article on targeted legislation, The Equal Protection Component of Legislative Generality, was selected for presentation at the Yale / Stanford / Harvard Junior Faculty Forum at Yale Law School.Jun 5, 2023 · Today, UMass Dartmouth Provost Hanchen Huang announced that Professor Sam Panarella will become the next Dean of the University of Massachusetts Dartmouth School of Law on July 18. A tenured professor of law at the University of Montana since 2011, Panarella teaches contracts, business transactions, law practice, and renewable energy … Law School Application Time Line. This recommended Time Line for Fall 2024 admission assumes that you will complete and submit your applications by Thanksgiving-ish 2023. It’s an ideal time line — meaning you started thinking about the process at least a year and a half before you intend to start law school. As you’ll see, there are a ... Jan 25, 2024 · Prospective registration. 注册题目：. 慢性呼吸道疾病患者对呼吸康复的知识、态度和实践. Public title：. Knowledge, Attitudes, and Practices of …Jun 7, 2022 · Facilities. Nestled among the pines and cedars of southeastern Massachusetts, between the Paskamansett River and the coastline of Buzzards Bay, UMass Law offers a tranquil setting in which to study law. Yet conveniences are just minutes away: highways, shopping, dining. up-to-date 75,000 sq. ft. facility on 8.5 …Apr 29, 2022 · UMass Law’s focus on public and community service has resulted in more than 150,000 hours of pro bono legal services provided to the community since 2010. Johnson & Wales University is the fourteenth institution to collaborate on a 3+3 program with UMass Law, and the first in Rhode Island.Explore Xiaodian District with Trip.com's comprehensive travel guide. Discover the city's top attractions, best local dishes, essential travel tips, and hidden gems. Get …1 day ago · General Laws are Session Laws or sections of Session Laws that are permanent in nature and of general application. General Laws are codified according to subject matter in a multi-volume publication entitled the General Laws of Massachusetts. The official version of the General Laws is now published every two years, with cumulative pamphlets ... More UMass Law News. UMass Law repeats strong practical training ranking by preLaw magazine. A- ranking places law school 2nd in MA and 3rd in New England for "Best Schools for Practical Training" for 2024. Jonathan Goldman, JD '21 wins U.S. Supreme Court case in unanimous decision. Justices rule in favor of choice of law in maritime insurance ... UMass Law ranks #144 in terms of student selectivity with an acceptance rate of 56.9% among those who applied for admission. UMass Law ranks #145 in terms of graduates employed at the time of graduation (30.6%) and #158 in terms of graduates employed ten months after graduation (65.3%). UMass Law ranks #158 in terms of highest tuition among ... Address: 17 km east of Datong city, Shanxi province. Consultation hotline: 0352-5688112/5688114. Ticket booking hotline: 0352-5688200. 4. Lyuliang Dawu …1 day ago · Legal Studies Degree Overview. Develop the critical thinking and skills needed for a successful career in the field of law, business, public administration and government. A bachelor’s degree in legal studies is designed to provide you with the knowledge and skills necessary to excel in environments which require an understanding of legal ...2 days ago · Sam Panarella (2017). Sam Panarella was appointed to serve as the Dean of UMass Law in 2023. Prior to his deanship, Dean Panarella was a Professor of Law at University of Montana School of Law and the Executive Director of the Max Baucus Institute at the University of Montana. His research and teaching interests include energy, climate …Nov 14, 2023 UMass Law students assist newly arrived migrant families in MA shelter ; Contact. 508-985-1180. 508-985-1136. ghiwmvi}Dyqewwh2ihy. UMass School of Law 119 Search Directory. Edit. CLOSE MAIN MENU. Check My Status myUMassD Support UMass Law Directory Search. About; Admissions & Aid; Academics; Careers; Faculty ...Updated: Feb 11, 2020 govt.chinadaily.com.cn Print. The Health Commission of Shanxi Province has designated hospitals for special treatment of the novel …Jun 21, 2023 · Resources. Many of our resources are available electronically through subscription-based databases accessible by UMass Law students, faculty, and staff. We provide help and instruction in the location and use of all library resources in print and electronic format. Please email [email protected] or call 508-985-1121 for …Jun 6, 2022 · UMass Law Financial Aid Services Phone: 508.985.1187 Fax: 508.985.1104 [email protected]. Sandra Leger Silva, Assoc. Director of Financial Aid Phone: 508.985.1112 [email protected]. Request Info close. There are many reasons to choose UMass Law. As Massachusetts' only public law school, we are preparing a …Dec 9, 2023 · UMass Law Associate Dean for Academic Affairs Shaun Spencer argued before the Massachusetts Supreme Judicial Court in support of a broad interpretation of the state’s alimony law. The case, Openshaw v. Openshaw, involved the former husband’s appeal from an alimony award that included $1,000 per week for the former wife to …1 day ago · General Laws are Session Laws or sections of Session Laws that are permanent in nature and of general application. General Laws are codified according to subject matter in a multi-volume publication entitled the General Laws of Massachusetts. The official version of the General Laws is now published every two years, with cumulative pamphlets ...
2 days ago · UMass Law is committed to providing equal access to a quality legal education for all students. Any students who feel they may need an accommodation based on the impact of a documented disability should set up a meeting with Wendi Chaka, Director of UMass Dartmouth’s Office of Student Accessibility Services: 508.999.8711 or …. Cherley dresses
3 days ago · The University of Massachusetts is the engine for one of the world's most innovative and energized economies. Learn why Massachusetts is often cited as one of the best places in the world to live, …2 days ago · UMass Law requires all students to complete at least 30 hours of pro bono service in order to graduate. The pro bono requirement is part of the law school's integrated approach to developing practice-ready, justice-centered attorneys. Goals. The pro bono requirement : seeks to develop a student's …Mar 4, 2024 · A team of researchers led by the University of Massachusetts Amherst has recently found an exception to the 200-year-old law, known as Fourier’s Law, …5 days ago · UMass Law Alumni Association on LinkedIn; Stay in touch! If you move or change your email address, let us know at [email protected]. Contact. Academic and administrative requirements. Law Enrollment Center. 508-999-1100 [email protected]. Contact. Diploma questions. [email protected]. Contact.5 days ago · UMass Law Alumni Association on LinkedIn; Stay in touch! If you move or change your email address, let us know at [email protected]. Contact. Academic and administrative requirements. Law Enrollment Center. 508-999-1100 [email protected]. Contact. Diploma questions. [email protected]. Contact.Feb 14, 2024 · UMass Law offers three programs leading to the Juris Doctor degree, as well as joint degree programs: 3+3 baccalaureate/JD, JD/MBA, JD/Public Policy, JD/Master of Social Work. Traditional full-time day …May 11, 2023 · Maxwell White is involved in a lot. The political science major and four-time Chancellor's List student (minimum 3.8 GPA) was elected the co-president of UMassD's Model United Nations, captain of the UMassD Votes Coalition, Student Affairs committe chair, club president of Habitat for Humanity, and UMass Dartmouth's student trustee on …Jan 25, 2024 · Prospective registration. 注册题目：. 慢性呼吸道疾病患者对呼吸康复的知识、态度和实践. Public title：. Knowledge, Attitudes, and Practices of …2 days ago · In 2014, Professor Farber presented on the U.S. regulatory and legislative approaches to unmanned aerial surveillance in Adelaide, South Australia. She has also been a guest lecturer at Flinders Law School in Adelaide, South Australia, and the University of New South Wales Law School in Sydney, Australia. Professor Farber serves on the … Here are the Best Law Schools in Massachusetts. Harvard University. Boston University. Boston College. Northeastern University. Suffolk University. New England Law Boston. University of ... Mar 11, 2024 · UMass Law students received scholarships (2020-2021) stat-126a Sep, 2022 Keywords: Factsheet, Law, 117: UMass Law total students entering class (2022) stat-131a Sep, 2022 Keywords: Factsheet, Law, 60%: UMass Law enrolled from outside MA entering class (2022) stat-128a Sep, 2022 Keywords: Factsheet, Law, 40%:Feb 14, 2024 · UMass Law offers three programs leading to the Juris Doctor degree, as well as joint degree programs: 3+3 baccalaureate/JD, JD/MBA, JD/Public Policy, JD/Master of Social Work. Traditional full-time day program: takes 3 years to complete. UMass Law is a leader in preparing students for legal practice; all UMass students engage in the real-world practice of law through for-credit internships or law clinic participation and complete pro bono service under the supervision of a licensed attorney. Aug 19, 2020 · UMass Law is the only public law school in Massachusetts and offers a powerful national brand, a unique identity, and a critical public service mission. …4 days ago · The UMass Amherst Pre-Law Advising Office provides students and alumni with a full range of information and options counseling regarding legal careers and the law school application process. Learn more. UMass Boston UMass Boston does not offer a formal prelaw program, but will assist in creating an academic … More UMass Law News. UMass Law repeats strong practical training ranking by preLaw magazine. A- ranking places law school 2nd in MA and 3rd in New England for "Best Schools for Practical Training" for 2024. Jonathan Goldman, JD '21 wins U.S. Supreme Court case in unanimous decision. Justices rule in favor of choice of law in maritime insurance ... .