Demystifying the Elusive Quest for Cyber Insurance Protection: The Need for New Contract Language

Cyberattacks and electronic data breaches are on the rise, and the costs associated with those breaches can be astronomical. In response, the insurance industry has created a specialty market for cyber coverage. However, despite the number of cyber insurance policies currently offered on the market, insurers frequently deny claims for cyber coverage under both these specialty and traditional policies. Examining the evolution of cyberattacks, data breaches, and the massive harm they can cause to businesses, this Article explores the legal and market obstacles to obtaining adequate cyber insurance coverage and offers potential solutions to policyholders and insurers to satisfy this growing market need. It provides textual analyses to review the language of various traditional and cyber-specific policies and coverage forms, and the insurance industry\u27s response to cyber losses based on the policy language. These analyses illustrate why vague/imprecise language and the lack of standardized policy terminology has left policyholders without coverage for many of their cyber claims. The Article also examines the role insurers and policyholders can play, and some of the actions they can take, to address this problem. These actions, including drafting more explicit and precise language, and standardizing policy terms, can help to resolve the cyber coverage conundrum and better ensure that businesses that purchase cyber insurance policies actually have the protection they need after a cyber loss, while also protecting insurers from potentially having to pay for losses the policy language does not require them to pay

Frederick Kooyers Oral History Interview: Polar Bear Oral History Project

Records of an oral history project done with veterans of the American Expeditionary Force, North Russia, 1918-1919 (“Polar Bears”). The collection also contains general background materials pertaining to the Polar Bears. Includes interview transcripts, cassette tapes, articles, bibliographies, diaries, clippings, photographs, microfilm and a book. Accession No.: H88-0239.5 Provenance: Polar Bear Oral History Project Donor: Hope College History Department Photographs: 24 images Processed by: Craig Wright, February 1991 Catherine Jung, April 200

Russell Hershberger Oral History Interview: Polar Bear Oral History Project

Records of an oral history project done with veterans of the American Expeditionary Force, North Russia, 1918-1919 (“Polar Bears”). The collection also contains general background materials pertaining to the Polar Bears. Includes interview transcripts, cassette tapes, articles, bibliographies, diaries, clippings, photographs, microfilm and a book. Accession No.: H88-0239.5 Provenance: Polar Bear Oral History Project Donor: Hope College History Department Photographs: 24 images Processed by: Craig Wright, February 1991 Catherine Jung, April 200

Radus Kemperman Oral History Interview: Polar Bear Oral History Project

Records of an oral history project done with veterans of the American Expeditionary Force, North Russia, 1918-1919 (“Polar Bears”). The collection also contains general background materials pertaining to the Polar Bears. Includes interview transcripts, cassette tapes, articles, bibliographies, diaries, clippings, photographs, microfilm and a book. Accession No.: H88-0239.5 Provenance: Polar Bear Oral History Project Donor: Hope College History Department Photographs: 24 images Processed by: Craig Wright, February 1991 Catherine Jung, April 200

Alfred Larsen Oral History Interview: Polar Bear Oral History Project

Records of an oral history project done with veterans of the American Expeditionary Force, North Russia, 1918-1919 (“Polar Bears”). The collection also contains general background materials pertaining to the Polar Bears. Includes interview transcripts, cassette tapes, articles, bibliographies, diaries, clippings, photographs, microfilm and a book. Accession No.: H88-0239.5 Provenance: Polar Bear Oral History Project Donor: Hope College History Department Photographs: 24 images Processed by: Craig Wright, February 1991 Catherine Jung, April 200

2013 Massachusetts Family Impact Seminar: Youth at Risk, Part 2

The youth of Massachusetts are of primary concern to legislators and citizens. This briefing report features three essays by experts — Fern Johnson, Deborah Frank, and Donna Haig Friedman — who focus on three aspects of children in need: children in foster care who need adoption, children who are hungry, and children who are homeless. Each report has further and more detailed suggestions for helping these children in need; below is a summary of the problems we face

Subclinical infection of macaques and baboons with a baboon simarterivirus

Simarteriviruses (Arteriviridae: Simarterivirinae) are commonly found at high titers in the blood of African monkeys but do not cause overt disease in these hosts. In contrast, simarteriviruses cause severe disease in Asian macaques upon accidental or experimental transmission. Here, we sought to better understand the host-dependent drivers of simarterivirus pathogenesis by infecting olive baboons (n = 4) and rhesus monkeys (n = 4) with the simarterivirus Southwest baboon virus 1 (SWBV-1). Surprisingly, none of the animals in our study showed signs of disease following SWBV-1 inoculation. Three animals (two rhesus monkeys and one olive baboon) became infected and sustained high levels of SWBV-1 viremia for the duration of the study. The course of SWBV-1 infection was highly predictable: plasma viremia peaked between 1 × 107 and 1 × 108 vRNA copies/mL at 3–10 days post-inoculation, which was followed by a relative nadir and then establishment of a stable set-point between 1 × 106 and 1 × 107 vRNA copies/mL for the remainder of the study (56 days). We characterized cellular and antibody responses to SWBV-1 infection in these animals, demonstrating that macaques and baboons mount similar responses to SWBV-1 infection, yet these responses are ineffective at clearing SWBV-1 infection. SWBV-1 sequencing revealed the accumulation of non-synonymous mutations in a region of the genome that corresponds to an immunodominant epitope in the simarterivirus major envelope glycoprotein GP5, which likely contribute to viral persistence by enabling escape from host antibodies