If the instinct to avoid risk were universal, fixed-rate home mortgages would not exist.

FORBES: Taking the Plunge

Thus, while Romania had achieved a near-universal youth and adult literacy rate (98%) and access to primary school for children aged 15 and below (93%) as of 2006, ethnic, gender and regional literacy disparities remain evidently sharp.

UNESCO: Parent Empowerment for Family Literacy Project (PEFaL)

Universal policies became attractive because they offered a higher rate of return (the dividend) on the savings component than one could get from old-fashioned whole life.

FORBES: Retirement Disaster Looms For Universal Life Policyholders

In contrast, Universal Orlando is a pedestrian-friendly and intimate complex with two excellent theme parks (Universal Studios and Islands of Adventure), three first-rate resorts, and a carnival-like restaurant and nightlife district (CityWalk) connected by lovely gardened paths or a quiet wooden-boat shuttle.

BBC: Lonely Planet's top five day trips from Miami

For some reason people associate the word 'basic' with 'universal' and assume that everyone is entitled to the full-rate basic state pension when they achieve whatever retirement age is relevant for them to be entitled to payment.

BBC: Fergus Muirhead

And the rate of unnecessary ER admissions has remained steady at 15% even after universal health coverage passed in the bay state.

FORBES: Commentary

Mr Brown has also said that he wants to concentrate any further increases in child benefit, which is a universal benefit, on those who need it most by taxing it for higher-rate taxpayers.

ECONOMIST: The budget

As a result, the 2010 national census established that China had achieved near-universal primary school net enrolment and youth literacy rates (see above) while its total adult literacy rate rose markedly from 66 per cent in 1982 to 91 per cent in 2000 and 94 per cent by 2010.

UNESCO: Community Learning Centres (CLC) Programme

In particular, the Bank is concerned that teachers are being affected by AIDS at such a rate that they cannot be replaced quickly enough to meet one of the key objectives, that of universal primary education by 2015.

ECONOMIST: The education of Paul O'Neill | The