Thursday, January 10, 2008

Buying Insurance on the Internet

 

oci.wi.gov

In today's changing insurance marketplace, the ability for consumers to look for and buy insurance on the World Wide Web is rapidly increasing. Just a few years ago insurance Web sites were virtually nonexistent, but now there are literally thousands of insurance-related sites on the Internet. Many insurance companies have a presence on the Web, as do insurance agents. In addition, there are insurance Web "malls" that provide access to a number of insurance products along with several insurance companies. There are also financial services sites that provide information and access to a myriad of financial products, including insurance.

Until recently, most insurance-related sites provided consumers with information about insurance products, such as rate quotes and information on insurance companies and insurance agents. The actual selling of insurance over the Web was uncommon. Today, however, with the development and acceptance of electronic signatures and the security measures being implemented on Web sites, the actual application for and provision of insurance over the Internet is more and more prevalent

Unraveling the Mystery of Cancer

 

People likely have wondered about the cause of cancer for centuries. Its name derives from an observation by Hippocrates more than 2,300 years ago that the long, distended veins that radiate out from some breast tumors look like the limbs of a crab. From that observation came the term karkinoma in Greek, and later, cancer in Latin.

With the work of Hooke in the 1600s, and then Virchow in the 1800s, came the anderstanding that living tissues are composed of cells, and that all cells arise as direct descendants of other cells. Yet, this understanding raised more questions about cancer than it answered. Now scientists began to ask from what kinds of normal cells cancer cells arise, how cancer cells differ from their normal counterparts, and what events promote the prolif eration of these abnormal cells. And physicians began to ask how cancer could be prevented or cured.

more about cancer

Clues from epidemiology. One of the most impor tant early observations that people made about cancer was that its incidence varies between dif ferent populations. For example, in 1775, an extraordinarily high incidence of scrotal cancer was described among men who worked as chimney sweeps as boys. In the mid-1800s, lung cancer was observed at alarmingly high rates among pitch blende miners in Germany. And by the end of the 19th century, using snuff and cigars was thought by some physicians to be closely associated with cancers of the mouth and throat.

These observations and others suggested that the origin or causes of cancer may lie outside the body and, more important, that cancer could be linked to identifiable and even preventable causes. These ideas led to a widespread search for agents that might cause cancer. One early notion, prompted by the discovery that bacteria cause a variety of important human diseases, was that cancer is an infectious disease. Another idea was that cancer arises from the chronic irritation of tissues. This view received strong support with the discovery of X-rays in 1895 and the observation that exposure to this form of radiation could induce local ized tissue damage, which could lead in turn to the development of cancer. A conflicting view, prompted by the observation that cancer sometimes seems to run in families, was that cancer is hereditary.

 

Such explanations, based as they were on frag mentary evidence and incomplete understanding, helped create the very considerable confusion about cancer that existed among scientists well into the mid-twentieth century. The obvious question facing researchers—and no one could seem to answer it—was how agents as diverse as this could all cause cancer. Far from bringing science closer to understanding cancer, each new observa tion seemed to add to the confusion.

Yet each new observation also, ultimately, contributed to scientists' eventual understanding of the disease. For example, the discovery in 1910 that a defined, submicroscopic agent isolated from a chicken tumor could induce new tumors in healthy chickens showed that a tumor could be traced simply and definitively back to a single cause. Today, scientists know this agent as Rous sarcoma virus, one of several viruses that can act as causative factors in the development of cancer. Although cancer-causing viruses are not prime

agents in promoting most human cancers, their intensive study focused researchers' attention on cellular genes as playing a central role in the development of the disease.

Likewise, investigations into the association between cancer and tissue damage, particularly that induced

by radiation, revealed that while visible damage sometimes occurs, something more subtle happens in cells exposed to cancer-causing agents. One clue to what happens came from the work of Herman Muller, who noticed in 1927 that X-irradiation of fruit flies often resulted in mutant offspring. Might the two known effects of X-rays, promotion of cancer and genetic mutation, be related to one another? And might chemical carcinogens induce cancer through a similar ability to damage genes?

Support for this idea came from the work of Bruce Ames and others who showed in 1975 that com

pounds known to be potent carcinogens (cancercausing agents) generally also were potent muta

gens (mutation-inducing agents), and that compounds known to be only weak carcinogens were only weak mutagens. Although scientists know today that many chemicals do not follow this correlation precisely, this initial, dramatic association between mutagenicity and carcinogenic ity had widespread influence on the development of a unified view of the origin and development of cancer.

Finally, a simple genetic model, proposed by Alfred Knudson in 1971, provided both a compelling explanation for the origins of retinoblas toma, a rare tumor that occurs early in life, and a convincing way to reconcile the view of cancer as a disease produced by external agents that damage cells with the observation that some cancers run in families. Knudson's model states that children with sporadic retinoblastoma (children whose parents have no history of the disease) are genetically normal at the moment of conception, but experience two somatic mutations that lead to the development of an eye tumor. Children with familial retinoblastoma (children whose parents have a history of the disease) already carry one mutation at conception and thus must experience only one more mutation to reach the doubly mutated configuration required for a tumor to form. In effect, in familial retinoblastoma, each retinal cell is already

primed for tumor development, needing only a second mutational event to trigger the cancerous state. The difference in probabilities between the requirement for one or two mutational events, happening randomly, explains why in sporadic retinoblastoma, the affected children have only one tumor focus, in one eye, while in familial retinoblastoma, the affected children usually have multiple tumor foci growing in both eyes.

 

Although it was years before Knudson's explanation was confirmed, it had great impact on scientists' understanding of cancer. Retinoblastoma, and by extension, other familial tumors, appeared to be linked to the inheritance of mutated versions of growth-suppressing genes. This idea led to the notion that cells in sporadically arising tumors might also have experienced damage to these crit ical genes as the cells moved along the path from the normal to the cancerous state.

Monday, January 7, 2008

nappy changing tips

Nappy changing tips

taken from forparentsbyparents.com

As a new mum, much of your time will be taken up with nappies! Buying them, changing them, smelling them to see if they need changing.. and of course trying to distract and amuse baby as you clean and change them time and time again. It can seem like a minefield, but really the business of choosing and changing nappies need not be that complicated.

Firstly, you'll want to consider whether to use disposable nappies or traditional cloth nappies. The debate on which is friendlier for the environment - not to mention baby's skin - has gained momentum in recent years, to the point where you're just as likely to meet a mum who washes and reuses nappies as you will meet one who relies on shop-bought disposables. Fans of traditional cloth nappies say that the negative environmental impact of disposables cannot be ignored - according to some studies, using an average of six nappies a day over two and a half years produces about 734kg of solid waste, which will have an obvious impact on waste disposal and landfill.

On the other hand, those in favour of disposable nappies argue that both cloth nappies and disposable nappies have about the same overall impact on the environment, albeit in different ways. Disposables clearly create more solid waste but of course, reusable nappies need to be washed, resulting in an increased use of water and energy and a release of detergents, bleach and disinfectants into he environment.

So the decision on which type to use is yours, and do not feel guilty for choosing either option - both are viable. It all comes down to what will work best for you and baby. It may be that your baby has particularly sensitive skin, in which case you may prefer to use disposables made for that purpose. If you choose to use reusable cloth nappies, remember to wash them thoroughly after each use in order to minimise the risk of nappy rash and buy lots of nappy fasteners and liners to use with them.

Whichever you choose, you'll need to learn how to change a nappy! When you give birth this is something that your nurse or midwife should run through with you, but we all need a quick reminder from time to time. Here are our quick guidelines for changing nappies:

  • Collect what you need to clean your baby's bottom. Have somewhere to place the nappy that your baby is currently wearing, such as the lid of a nappy bin.
  • Lay out the ingredients for the next nappy - either your disposable or, if you're using a cloth nappy, first a nappy cover (if you're using one), then the cloth nappy, and then the liner. Put this to one side, close at hand.
  • Open your baby's nappy, and if there is poo, wipe the worst of it off with toilet paper and then clean the nappy area with wipes.
  • Tuck the dirty wipes inside the nappy, and then roll it up and put to one side.
  • Slide the clean nappy into place under your baby's bottom. Fasten the nappy and then the cover.
  • Put the baby somewhere safe and then dispose of the poo and toilet paper in the toilet bowl, and the nappy, liner and cover in the nappy bin.

Lastly - nappy changing used to be avoided by old-fashioned dads. But now most fathers are more than happy to get their hands dirty (literally) and nappy time can be a great way for daddy and baby to bond. In any case, you should teach dad how to change a nappy so that you can pop out for the day without having to worry about baby getting changed properly.

Sunday, January 6, 2008

disposable Nappies & cloth nappies

Cloth Nappies has NO environmental advantage over disposable Nappies

Another independent and objective study was the Australian Consumers' Association's consumer study of nappy performance, which concluded:

"There's no clear environmental advantage in using cloth nappies over disposables. Both have damaging environmental impacts." 2

This and the other life cycle assessment studies found that nappy alternatives had similar, overall impacts on the environment. The main differences were in the type of impact which occurred at each stage of each product's life cycle such as the use of water, energy and chemicals for washing cloth nappies.