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  • Андрій Добровольський: психологія передбачуваності в iGaming

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    Фактор безпеки: що насправді утримує гравця?

    Для сучасної людини, час та нерви стали дорожчими за гроші, тому швидкість реакції ігрових платформ на будь-який запит стає критичним показником. Андрій Добровольський вказує, що коли служба підтримки відповідає миттєво і фахово, це автоматично знімає бар’єр тривожності та зміцнює впевненість користувача у власному виборі. Якісний та швидкий сервіс стає головним підтвердженням лідерства компанії. Це особливо важливо для формування репутації на довгому плечі. Взаємодія без тертя та затримок створює простір, де гравець може зосередитися на розвагах. 

    1. Гарантія виплат – відсутність штучних затримок та прозорість фінансових шлюзів.
    2. Людяна та цілодобова підтримка – наявність кваліфікованих фахівців, здатних вирішити технічне питання за лічені хвилини.
    3. Технічна досконалість – робота сайту та усіх побічних систем без збоїв, навіть під час навантажень.
    4. Прозорість правил – виключення неоднозначних трактувань у користувацьких угодах.
    5. Акцент на кібербезпеці – гравець має бути впевненим, що його персональні дані та кошти знаходяться під надійним захистом.

    Ці п’ять елементів формують базовий рівень безпеки, без якого будь-які маркетингові пропозиції втрачають свою цінність і зміст. Якщо фундамент відсутній, користувач підсвідомо сприймає бонуси як спробу відвернути увагу від внутрішніх проблем компанії. Як підкреслює Андрій Добровольський, стабільність є найкращим способом продемонструвати реальну цінність продукту для кінцевого споживача.

    Якісний продукт завжди перемагає хайп

    Йдемо далі, бізнес-модель, що орієнтована на бездоганний сервіс та послідовність, має набагато вищу стійкість під час тривалих економічних криз. Епоха залучення клієнтів через порожні обіцянки минає, поступаючись місцем усвідомленому утриманню. Сучасні користувачі мають гарну освіту, та орієнтуються в базових юридичних нормативах. Якщо юзер відчуває спробу обману – це назавжди відбиває в нього бажання до будь-якої взаємодії з цим продуктом. Якщо проєкт зазнає невдачі, потрібно провести чек-ін на базові проблеми:

    • Прогнозованість фінансових циклів.
    • Зрозуміла ергономіка інтерфейсу.
    • Вирішення спірних питань без “перекидання” між відділами.
    • Маркетингова гігієна (не має бути спаму та нав’язування бренду)

    Лояльність нової генерації – це психологічна передбачуваність усіх процесів та послуг. Наразі, це найефективніший інструмент управління лояльністю в сучасному iGaming-середовищі. Клієнт завжди залишається там, де він відчуває себе в безпеці, та де кожна його дія має гарантований і зрозумілий результат. Андрій Добровольський підсумовує, що стабільність – це найвищий прояв турботи про користувача, здатний перетворити відвідувача на відданого амбасадора бренду. Майбутнє індустрії належить тим операторам, які зроблять надійність своєю головною конкурентною перевагою та ідеологічним центром бізнесу.

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  • Accounts Receivable AR Insurance for Small Businesses Aon Canada

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    Accounts receivable insurance can simplify and streamline this process by allowing the insurer to take over the responsibility of debt collection. In many cases, the insurer will handle the legal aspects of collecting the debt, saving the business time and resources. As income summary with other forms of insurance, the best way to determine credit insurance cost is to obtain multiple quotes. Through the quotation process, businesses gain a better understanding of how credit insurers view their risk. The credit insurance premium is calculated by using a percentage of your turnover combined with level of risk. In other words, the number depends on who you are selling to, how much coverage your company needs for each customer, customer ratings, loss history, and the business sector.

    ARI – Most Coverage, Least Cost, Best Contract!

    • This might include periodic reporting or flagging specific customer behavior.
    • Premiums are usually charged based on the amount of coverage approved for the single buyer.
    • Continuous accounts receivable, also known as chronic accounts receivable, refers to the inability of a…
    • If you fail to incorporate this step before a patient encounter, your accounts receivable will add up and you could end up with higher claim denials and financial loss.
    • If your customers are more likely to default, this could result in higher premiums.
    • This coverage is particularly relevant in the event of property damage, such as fires, theft, or flooding, that results in physical damage to a company’s financial records.
    • Insolvency can pose a significant threat to a company’s cash flow, especially if a large percentage of its receivables are tied to a few key customers.

    This proactive approach improves the health of the balance sheet by reducing bad debt provisions. It also provides a safety net to maintain cash flow and secure earnings, even when offering competitive credit terms to customers. Accounts receivable insurance can be purchased as an endorsement to a commercial property policy or accounts receivable insurance as a separate policy.

    insurance for accounts receivable

    Trade Credit Insurance Services

    insurance for accounts receivable

    Complete Insureon’s online application and contact one of our licensed insurance professionals to obtain advice for your specific business insurance needs. Increase client satisfaction by ensuring that they receive the products or services they have paid for. Ever worry about what might happen if one of your biggest customers suddenly couldn’t pay? Our survey of companies across Canada, Mexico and the US reveals that while trade credit use is… A spread of risk can reduce the premium rate, while insuring only high-risk accounts can increase costs. After working together to elect the best policy at the most competitive price, we continue to work with and negotiate with the insurance carriers as your needs evolve.

    insurance for accounts receivable

    Enhanced Cash Flow Management

    Your insurance provider will often offer additional support, such as credit management advice, to help you make informed decisions about extending credit to customers. This type of insurance provides a safety net against non-payment, ensuring your cash flow remains stable even if customers default on payments. AR automation and FRM platforms combine automated collection workflows, real-time analytics, and customer payment portals to improve the overall payment experience and accelerate cash collection. Fewer payment issues that would require insurance coverage in the first place. Many companies spend considerable effort protecting against property damage and other unpredictable risks while completely overlooking their substantial AR exposure. This oversight creates a dangerous blind spot since cash flow interruptions from customer defaults often trigger ripple effects throughout your entire operation.

    Does it Cost More to Use a Trade Credit Insurance Broker?

    Instead of waiting for defaults to occur, ARI takes proactive steps to recover payments early, reducing Payroll Taxes the severity of losses and improving outcomes for both your business and the insurer. We reviewed how well each carrier could tailor policies – whether for domestic buyers, key accounts, or export customers. The top providers offer customizable options to align with your specific risk profile and operational model. One of the primary challenges in managing insurance receivables is the lengthy and often convoluted claims process. Insurance companies can streamline this process by implementing automated systems that capture and track claims data in real-time. By digitizing and centralizing claim information, insurers can accelerate the processing time, reduce errors, and improve transparency throughout the entire claims lifecycle.

  • How to Manage Multiple Sclerosis MS Relapses News

    With the recent introduction of highly effective DMTs and the development of new ones that are progressively better at treating MS, it’s expected that this gap will continue to narrow over time. Presently, the life expectancy for someone with MS is around five to 10 years shorter than it is for the general population. However, RRMS life expectancy tends to be higher than other forms of MS and closer to the general population. A Norwegian study that followed patients with MS for 60 years showed that those with RRMS lived for about 77.8 years, compared with 81.8 years for the general population. The benefits of rehabilitation during acute relapse are not well established 36 but in general is recommended.

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    • I work part-time, for example, and make sure I factor in enough rest and downtime.
    • Relapsing-remitting multiple sclerosis (RRMS) is the most common form of multiple sclerosis.
    • Physical exam is the most important tool for assessing the severity of MS relapse, the authors stress the importance of using the Expanded Disability Status Scale (EDSS) and recording it in the patient’s medical record.
    • Subsequently, Waldner et al. created two transgenic mouse lines (4E3 and 5B6) that harbored a TCR that is specific for the encephalitogenic myelin epitope PLP139–151 (104).

    Relapses can last anywhere between a few days, up to weeks or even months. In between relapses are periods of https://huong.vn/does-drinking-cut-life-short-life-expectancy-of-3/ remission where you may have no symptoms, or your symptoms are relatively stable. In relapsing remitting MS periods of remission can last from months to years until they’re interrupted by a relapse. They tend to happen most often in the first few years after being diagnosed with MS but people can experience a relapse at any time.

    Is RRMS curable?

    A few relapses occurred after vaccination, during pregnancy or the postpartum period, or after surgery. When the immune system attacks the myelin covering of nerves in the central nervous system (brain and spinal cord), it causes inflammation and the myelin can be damaged and stripped away (demyelination). Messages passing along demyelinated nerves may travel more slowly, be interrupted, or may even be completely blocked and not get through at all. This can mean you suddenly experience new or worsening symptoms – a relapse. The symptoms you experience will depend on the part of the brain or spinal cord that is affected.

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    • In the case of relapse in an uncertain location, a score of at least 2 points in the EDSS is necessary 18,19.
    • A small 2017 study suggests that sleep disturbances or lack of sleep may trigger a relapse in people with MS.
    • They may also recommend an OCT test or optical coherence tomography.
    • RRMS is the most common type of MS, and around 70–80% of people with the condition have this type as an initial diagnosis.

    It is defined by relapses or flares,  periods where new symptoms suddenly appear and/or existing symptoms suddenly get worse — followed by periods of remission where symptoms ease or disappear entirely. MRI is the gold standard diagnostic test for MS but it is often impractical to obtain in a timely fashion in relation to relapse and can miss lesions for determined variety of reasons. Brain and spinal cord MRI scans are not necessary in patients with a clear diagnosis of MS relapse. Women with MS are at an increased risk of relapse in the postpartum period. Although the level of MP transfer into breast milk is very low, generally IVMP treatment is not advised during breastfeeding. If the mother wishes to continue breastfeeding, intravenous MP is preferable to oral, as it has a shorter peak effect.

    multiple sclerosis relapse triggers

    RRMS life expectancy

    Smoking or exposure to secondhand smoke may disrupt your body’s ability to process certain MS medications, which could make them less effective, according to the NMSS. Sometimes people with MS, particularly those with SPMS and PPMS, have sudden worsening of their MS symptoms that may seem like a clinical relapse. marijuana addiction However, careful searching finds that these episodes are instead actually caused by medical illnesses or emotional stresses that can temporarily worsen neurological functioning.

    • Even if you’re on disease-modifying medication, you may develop new symptoms (relapse) or a worsening of your preexisting symptoms (pseudo-relapse).
    • Your body uses sleep as an opportunity to repair your brain and heal other areas of damage.
    • Individuals with PPMS may not experience exacerbations, as the symptoms get worse without remission.
    • Infections can cause MS flare-ups, and MS is also more likelyTrusted Source to raise your risk of certain types of infection.
    • Getting sufficient rest and sleep can be challenging for people with MS due to temperature dysregulation, urinary or bowel symptoms, and restless leg syndrome can all inhibit proper resting and sleep.

    How often might I have relapses and how long can they last?

    In the U.S., more than 20 DMTs have been approved to treat relapsing forms of MS. Many people with MS have anecdotally reported stress as a trigger for their relapses. Some studies have suggested a link between stress and a greater relapse risk, but other research has shown little or no connection. Exactly what causes this types of relapse triggers inflammation and triggers MS flare-ups is still not completely understood, but several factors are known to alter the risk of relapse. The Brigham Multiple Sclerosis Center specializes in comprehensive care for multiple sclerosis patients. Learn more about disease-modifying therapy and other treatments for multiple sclerosis.

    multiple sclerosis relapse triggers

    multiple sclerosis relapse triggers

    It may start subtly,  a strange tingling in the limbs, an odd lapse in memory, or a deeper level of fatigue than usual. While these early signs may be easy to brush off, recognizing and addressing them promptly can prevent longer recovery times and potential progression of the disease. Researchers have identified a wide range of factors that influence MSR.21 These factors influence the prevalence and duration of MSR differently and affect the manner in which a patient may respond to treatment. The outcomes of these assessments guide the management of MS and MSR. When people with MS suspect they’re having a relapse, they should contact their healthcare team to discuss possible triggers and any next steps for managing it. Severe relapses may need MS relapse treatment, which aims to reduce the acute inflammation driving symptoms.