The document discusses how the insurance industry can play a role in addressing climate change. It notes that insurers are concerned about climate change risks and some are taking steps to help clients reduce emissions and risks. These include "pay-as-you-drive" auto insurance and discounts for green buildings. While some US insurers are following the lead of European insurers, many are focusing only on limiting coverage in high-risk coastal areas.
A Presentation about the deep-seated anxiety consumers and clients feel about Climate Change and the leadership role brands and businesses can take in empowering people to address the future with confidence.
With our latest Prosumer study, we are seeking to understand how people around the globe are responding to economic shifts in their own countries and abroad. How confident are people about their financial futures and those of their children? What impact have economic downturns and uncertainties had on attitudes toward consumption and wealth? The study draws on the experiences and points of view of nearly 12,000 men and women in 37 markets.
Living Prototypes
Fabricating Shared Experiences
Abstract:
Empathy is a type of thinking that makes us more helpful and generous in our encounters. But how can the design team, the client, and the user share a single, subjective experience? In this workshop we will be stretching the limits of prototyping. Storyboards, scenarios, sketches, and videos are helpful tools used to communicate the different elements of an experience, but they position the designer as passive. Using a range of multi-sensorial tools, participants will not be observers of an experience, but will be active co-explorers. Although these ideas are not new within the design community, we believe they have fallen out of focus. Experiential prototyping is not inherent in “design thinking,” but in what we see as “design action.”
Innovation:
Designing immersive, multi-sensorial experiences is no longer just for the benefit of end users. Experiences are a complex and subjective phenomenon—they go beyond the senses, and are influenced by a range of contextual factors like a person’s social circumstances, schedule, environment, perceptions, values, and more. Prototyping an experience can help designers, users, and clients explore and communicate what it is like to engage with the product, space, or system being designed. If designers and clients can share in these experiences, they are more likely to understand the issues and needs of their user.
A Presentation about the deep-seated anxiety consumers and clients feel about Climate Change and the leadership role brands and businesses can take in empowering people to address the future with confidence.
With our latest Prosumer study, we are seeking to understand how people around the globe are responding to economic shifts in their own countries and abroad. How confident are people about their financial futures and those of their children? What impact have economic downturns and uncertainties had on attitudes toward consumption and wealth? The study draws on the experiences and points of view of nearly 12,000 men and women in 37 markets.
Living Prototypes
Fabricating Shared Experiences
Abstract:
Empathy is a type of thinking that makes us more helpful and generous in our encounters. But how can the design team, the client, and the user share a single, subjective experience? In this workshop we will be stretching the limits of prototyping. Storyboards, scenarios, sketches, and videos are helpful tools used to communicate the different elements of an experience, but they position the designer as passive. Using a range of multi-sensorial tools, participants will not be observers of an experience, but will be active co-explorers. Although these ideas are not new within the design community, we believe they have fallen out of focus. Experiential prototyping is not inherent in “design thinking,” but in what we see as “design action.”
Innovation:
Designing immersive, multi-sensorial experiences is no longer just for the benefit of end users. Experiences are a complex and subjective phenomenon—they go beyond the senses, and are influenced by a range of contextual factors like a person’s social circumstances, schedule, environment, perceptions, values, and more. Prototyping an experience can help designers, users, and clients explore and communicate what it is like to engage with the product, space, or system being designed. If designers and clients can share in these experiences, they are more likely to understand the issues and needs of their user.
Product design - Service design - Revolut Case Study + ShareshopTadej Mursic
Revolut Case Study through the eyes of a product / service designer & Shareshop. Revolut User Experience & Product Design Best practices that generate enormous user value.
1. What are the differences between the individual rights perspect.docxjackiewalcutt
1. What are the differences between the individual rights perspective and the public order perspective?
2. What are the components of the criminal justice system and how do they work together? Please explain.
3. What is meant by the term due process of the law?
4. What does the term multiculturalism and how does it affect criminal justice?
Chapter 2
1. What are the special categories of crime? Please explain why they are important.
2. Describe the history of the NCVS and explain how it is different from the UCR?
3. What is the Dark Figure of Crime and why is knowledge of it important?
4. What was the last crime added to the UCR and when was it added? What is your personal opinion based on your research concerning why it was added?
Bloomberg Businessweek
Magazine
How Failure Breeds Success
Posted on July 09, 2006
http://www.businessweek.com/stories/2006-07-09/how-failure-breeds-success
COVER STORY PODCAST: Ever heard of Choglit? How about OK Soda or Surge? Long after "New
Coke" became nearly synonymous with innovation failure, these products joined Coca-Cola Co.'s
(KO) graveyard of beverage busts. Choglit, in case you blinked and missed it, was a chocolate-flavored
milk drink test-marketed with Nestlé (NSRGY) in 2002. OK Soda, unveiled in 1994, tried to capture
Generation X with edgy marketing. The "OK Manifesto," parts of which were printed on cans in an
attempt at hipster irony, asked: "What's the point of OK Soda?" It turned out customers wondered the
same thing. And while Surge did well initially, this me-too Mountain Dew later did anything but. Sales
began drying up after five years.
Given that history, failure hardly seems like a subject Chairman and CEO E. Neville Isdell would want
to trot out in front of investors. But Isdell did just that, deliberately airing the topic at Coke's annual
meeting in April. "You will see some failures," he told the crowd. "As we take more risks, this is
something we must accept as part of the regeneration process."
Warning Coke investors that the company might experience some flops is a little like warning
Atlantans they might experience afternoon thunderstorms in July. But Isdell thinks it's vital. He
wants Coke to take bigger risks, and to do that, he knows he needs to convince employees and
shareholders that he will tolerate the failures that will inevitably result. That's the only way to change
Coke's traditionally risk-averse culture. And given the importance of this goal, there's no podium too
big for sending the signal. "Using [the annual meeting] occasion elevates the statement to another
order of importance," Isdell said in an interview with BusinessWeek.
CLOSE TO BLASPHEMY
While few CEOs are as candid about the potential for failure as Isdell, many are wrestling with the
same problem, trying to get their organizations to cozy up to the risk-taking that innovation requires.
A warning: It's not going to be an easy shift. After years of cost-cutting initiat ...
Product design - Service design - Revolut Case Study + ShareshopTadej Mursic
Revolut Case Study through the eyes of a product / service designer & Shareshop. Revolut User Experience & Product Design Best practices that generate enormous user value.
1. What are the differences between the individual rights perspect.docxjackiewalcutt
1. What are the differences between the individual rights perspective and the public order perspective?
2. What are the components of the criminal justice system and how do they work together? Please explain.
3. What is meant by the term due process of the law?
4. What does the term multiculturalism and how does it affect criminal justice?
Chapter 2
1. What are the special categories of crime? Please explain why they are important.
2. Describe the history of the NCVS and explain how it is different from the UCR?
3. What is the Dark Figure of Crime and why is knowledge of it important?
4. What was the last crime added to the UCR and when was it added? What is your personal opinion based on your research concerning why it was added?
Bloomberg Businessweek
Magazine
How Failure Breeds Success
Posted on July 09, 2006
http://www.businessweek.com/stories/2006-07-09/how-failure-breeds-success
COVER STORY PODCAST: Ever heard of Choglit? How about OK Soda or Surge? Long after "New
Coke" became nearly synonymous with innovation failure, these products joined Coca-Cola Co.'s
(KO) graveyard of beverage busts. Choglit, in case you blinked and missed it, was a chocolate-flavored
milk drink test-marketed with Nestlé (NSRGY) in 2002. OK Soda, unveiled in 1994, tried to capture
Generation X with edgy marketing. The "OK Manifesto," parts of which were printed on cans in an
attempt at hipster irony, asked: "What's the point of OK Soda?" It turned out customers wondered the
same thing. And while Surge did well initially, this me-too Mountain Dew later did anything but. Sales
began drying up after five years.
Given that history, failure hardly seems like a subject Chairman and CEO E. Neville Isdell would want
to trot out in front of investors. But Isdell did just that, deliberately airing the topic at Coke's annual
meeting in April. "You will see some failures," he told the crowd. "As we take more risks, this is
something we must accept as part of the regeneration process."
Warning Coke investors that the company might experience some flops is a little like warning
Atlantans they might experience afternoon thunderstorms in July. But Isdell thinks it's vital. He
wants Coke to take bigger risks, and to do that, he knows he needs to convince employees and
shareholders that he will tolerate the failures that will inevitably result. That's the only way to change
Coke's traditionally risk-averse culture. And given the importance of this goal, there's no podium too
big for sending the signal. "Using [the annual meeting] occasion elevates the statement to another
order of importance," Isdell said in an interview with BusinessWeek.
CLOSE TO BLASPHEMY
While few CEOs are as candid about the potential for failure as Isdell, many are wrestling with the
same problem, trying to get their organizations to cozy up to the risk-taking that innovation requires.
A warning: It's not going to be an easy shift. After years of cost-cutting initiat ...
Welcome to the Program Your Destiny course. In this course, we will be learning the technology of personal transformation, neuroassociative conditioning (NAC) as pioneered by Tony Robbins. NAC is used to deprogram negative neuroassociations that are causing approach avoidance and instead reprogram yourself with positive neuroassociations that lead to being approach automatic. In doing so, you change your destiny, moving towards unlocking the hypersocial self within, the true self free from fear and operating from a place of personal power and love.
Ethical_dilemmas_MDI_Gurgaon-Business Ethics Case 1.pptx
October 2006 Displaced Homemakers and Single Parents:
1. WorldChanging: Tools, Models and Ideas for Building a Bright Gree... http://www.worldchanging.com/archives/007527.html
Nov 7, 07
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Insurers Can Have A Constructive Role in Fighting Global Warming
Mindy Lubber
November 5, 2007 11:44 AM
The recent devastating fires in California reminded us how vulnerable society is to
the whims of nature, even in this modern age. They also illustrated why the
insurance industry, the world's largest (bigger than even Big Oil), is increasingly
concerned about climate change. While it's impossible to associate these fires -- or
any specific event -- with climate change, scientists tell us that it could increase the
risk of large wildfires by over 50 percent by the end of the century. Add that to
growing worries about climate change's impact on hurricane intensity, as well as a
veritable biblical plague of other impacts (mud slides, wildfires, hail storms,
blizzards, drought, floods, crop failures, heat waves), and you can see why the
industry is beginning to worry.
As a recent report by Dr. Evan Mills documents, insurers can be a major part of the solution to climate change in varied ways,
including everything from helping clients become more resistant to disasters (for an extreme example of this, insurance giant AIG
sent a private fire-fighting force into the teeth of the California fires to spray fire retardant on the homes of its high-end clients) to
developing products and services that simultaneously reduce risk and reduce global warming pollution. Examples of the latter
include products like quot;pay-as-you-drivequot; auto insurance, where instead of paying for unlimited mileage, consumers pay for each
mile driven. It's like a reward for walking to the store instead of driving.
These kinds of efforts could dramatically reduce greenhouse gas (GHG) emissions in some of the most energy intensive parts of our
economy:
Motor vehicles account for more than 25 percent of all U.S. greenhouse emissions, and insurance policies such as
pay-as-you-drive and incentives for hybrid vehicles could reduce that amount by 10 percent or more if broadly implemented.
Buildings account for more than a third of U.S. GHG emissions. Studies have demonstrated that green buildings, which can
reduce emissions by 50 percent or more, tend to have fewer insured losses than regular buildings, leading some insurers such
as Fireman's Fund to offer new green building discounts.
Pay-as-you-drive insurance is potentially a great deal for consumers as well as for the planet. Consumers save up to 40 percent off
regular insurance rates, emissions go down, and statistically speaking people who drive less generate less risk, so insurers should
be happy too. Yet pay-as-you-drive is virtually unavailable in the U.S., even as 250,000 customers in France have chosen the
pay-as-you-drive option, and millions of customers in Japan receive discounts for low-emission vehicles. As documented in Dr.
1 of 6 11/6/07 5:13 PM
2. WorldChanging: Tools, Models and Ideas for Building a Bright Gree... http://www.worldchanging.com/archives/007527.html
Mills' report, many European and Asian competitors are offering these sorts of products, while very few U.S. insurers are
following suit.
Instead most US insurers -- with notable exceptions like AIG and Travelers -- have taken a reactive approach to climate change,
focusing their efforts on terminating coverage in more than a dozen quot;high-riskquot; coastal states. More than one million
homeowners in Florida and other coastal states have been excluded from receiving private homeowners' coverage in just the past
two years. This response clearly is short sighted: if scientists are correct about the far-reaching ripples from climate change,
which will impact coastal and non-coastal areas alike, the industry will essentially have to exclude itself out of business.
Hopefully more U.S. insurers will follow their European and Asian colleagues in realizing that a greener world is a less risky world,
and begin to offer products and services that will help society adapt to -- and ultimately prevent -- the worst impacts of climate
change.
Mindy S. Lubber is president of Ceres, a leading coalition of investors, environmental groups and other public interest
organizations working with companies to address sustainability challenges such as global climate change.
Image: Santiago Fire, California, Oct. 25, 2007. Credit: flickr/Caesar Sebastian
Mindy Lubber
(1) Comments // digg // del.icio.us // Previous Article >>
Just a little note to update your information: the 3rd largest car insurance company in the country, Progressive, is offering the
domestic version of quot;pay as you drivequot;. It's called Trip Sense, it's in 4 states already and will be launched in more states next year.
Thank you! Maria Pacca
Posted by: MARIA PACCA on November 6, 2007 3:02 PM
Please note that comments will remain open for only 14 days after the article is posted. While previous comments will remain
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