And insurance companies have the wrong economic incentive: within the policy year their incentive is to reduce expense, and this leads to various service denials.
The European Union currently requires only partner rotation every seven years and a cooling-off period of two years, the U.K. has a five-year-on, five-year-off policy, and Australia has a five-year-on, two-year-off policy.
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The company changed its revenue recognition policy last year, he notes, which increases headwinds to growth in 2011.
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But the Obama administration has been tinkering with immigration policy all year, and now it has announced another tweak.
Seadrill initiated its dividend policy last year, the payout ratio is above 100%, and the company has a lot of debt.
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Facebook made a number of changes to its privacy policy last year after Canada's privacy watchdog raised several concerns with the firm.
State officials approved a policy last year that would allow the annual hunts to continue indefinitely, but said that depends on the bear population.
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ANC's unionists, and the resistance of some cabinet colleagues, Mr Mbeki introduced a market-friendly policy last year that has greatly helped restore confidence in South Africa's economy.
Drivers who bought a one-car, single-driver policy last year and had one violation in their driving history paid an average of 18 percent more for car insurance than drivers with no violations.
The SNP backs the removal of Trident from Scottish waters but changed its policy last year to support membership of Nato, in the event of a Yes vote in the referendum in September next year.
If inflation one year undershoots its target, that is ignored in setting policy the next year.
Several other QE sceptics will get votes on the Fed's main policy committee next year.
So that's the issue that strikes me as unfair and has made this into a public policy issue this year.
The IMF approved a new three-year policy support instrument in December 2010 to assist with economic reforms.
But as more of them register to vote or come of age, they influence policy more every year.
Labour is in the middle of a two-year policy review, which famously began with a "blank sheet of paper".
Ministers say they will produce a policy framework this year for Arctic interests.
The commerce ministry could unveil these new steps when it announces its foreign trade policy for the year, which Mr. Rao said is expected by the end of March.
Facebook instituted an insider trading policy earlier this year.
That is why the Treasury is not ruling out some changes to the monetary policy framework this year, even as it pours a bit of cold water on the nominal GDP debate.
Nor did the Fed expect that it would need to use unconventional methods to continue easing after hitting the zero-bound, which is perhaps why it was years late in moving to the open-ended quantitative-easing policy adopted last year.
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There will be a lot of news to monitor and digest over the next few days and the prospect of additional quantitative easing and lower monetary policy rates this year could help stall the recent slide in gold prices.
Over the past 15 years we have increased our engagement in public policy discussions that relate to our business, and now publish our public policy agenda every year to let everyone see what issues we are working on and how they impact our business.
The split with other central banks is not an ideological rift so much as an acknowledgment of China's very different economic reality, where even a moderate policy loosening last year led to a sharp rise in credit issuance, a pick-up in growth and, lately, the threat of inflation.
For example, if you just need the policy to pay off the mortgage and you have 15 years left on the loan, a 15-year term policy should be enough.
The NHS reforms have been one of the most controversial areas of government policy over the past year.
The big test of the policy will come next year when Glasgow and Birmingham try to sell their houses.
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Since it relaxed its policy in August last year it has given urban hukou to more than 1.7m people.
This means that monetary policy over the next year or so will be somewhat looser than it would otherwise be.
When development policy was revamped this year, Ukraine was a surprise inclusion on the list of 20 countries deemed most deserving of Canadian aid.
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