Automobile Insurance Policies Build Write-Away Around Frolic and Detour, a Persistent Problem on the Highway of Torts

This article reviews the controversy surrounding the frolic and detour doctrine, looks at the Restatement (Second) of Agency position on the question, and examines a standard of automobile insurance policy containing the permissive user clause. Next, the results of an empirical test of whether the frequency of litigation has decreased in the frolic and detour area is presented

Automobile Insurance Policies Build Write-Away Around Frolic and Detour, a Persistent Problem on the Highway of Torts

This article reviews the controversy surrounding the frolic and detour doctrine, looks at the Restatement (Second) of Agency position on the question, and examines a standard of automobile insurance policy containing the permissive user clause. Next, the results of an empirical test of whether the frequency of litigation has decreased in the frolic and detour area is presented

A Study of Wage Contour Determinants For Northern Minnesota

This paper reports the findings of a study designed to profile wages and employment in northern Minnesota. Because of differences in the structure of the local economy and differences in the composition of the labor force, we hypothesized that studies done for other regions as well as national studies might produce misleading information if applied to northern Minnesota. The study is based on responses to 1400 mail surveys distributed in 1983 in four cities in northern Minnesota: Bemidji, Brainerd, Fergus Falls, and Grand Rapids. We found some surprising differences between the workforces in the four cities. Our overall impression was of an older, stable workforce characterized by long-term attachment to geographical location and occupation. The workforce is heavily concentrated in the service sector and has a smaller number of workers in manufacturing than the national figures would predict. Earnings in the region are somewhat below the nation\u27s norm. Finally, the region\u27s workforce is traditional in the sense that it reflects historical male/ female wage differentials and tends toward occupational segregation by sex

The Therapeutic Interview Process in Qualitative Research Studies

The purpose of this paper is to describe the systemic strategies used in marriage and family therapy relevant to interviews, via what we call the therapeutic interview process, that expand the meaning of a research study for both the counselor researcher and the participant(s). We outline the therapeutic interview process for conducting transformative - based interviews via similar strategies from a family systems perspective conceptualized by Charlés (2007). The central core of the interview process is the therapeutic conversation itself that involves the systemic whole. This therapeutic conversation is facilitated by debriefing interviews, whereby the counselor researcher is interviewed to promote reflexivit

Rural and regional Australian public accounting firm services : service provision, concerns and tensions

Public accounting firms provide a necessary and important service for rural and regional areas. However, the provision of high-quality services is hindered by a number of factors. This paper reports the findings from a large-scale survey of professional accounting firm practitioners located in rural and regional Australia, identifying factors causing concerns and tensions and quantifying their scope and importance. Prominent concerns and tensions identified include adverse effects arising from the employment market, communications technology developments and legislation such as the Corporate Law Economic Reform Program (Audit Reform and Corporate Disclosure) Act 2004 and the Financial Services Reform Act 2001

Psychological treatments for adults with posttraumatic stress disorder: A systematic review and meta-analysis

Numerous guidelines have been developed over the past decade regarding treatments for Posttraumatic stress disorder (PTSD). However, given differences in guideline recommendations, some uncertainty exists regarding the selection of effective PTSD therapies. The current manuscript assessed the efficacy, comparative effectiveness, and adverse effects of psychological treatments for adults with PTSD. We searched MEDLINE, Cochrane Library, PILOTS, Embase, CINAHL, PsycINFO, and the Web of Science. Two reviewers independently selected trials. Two reviewers assessed risk of bias and graded strength of evidence (SOE). We included 64 trials; patients generally had severe PTSD. Evidence supports efficacy of exposure therapy (high SOE) including the manualized version Prolonged Exposure (PE); cognitive therapy (CT), cognitive processing therapy (CPT), cognitive behavioral therapy (CBT)-mixed therapies (moderate SOE); eye movement desensitization and reprocessing (EMDR) and narrative exposure therapy (low-moderate SOE). Effect sizes for reducing PTSD symptoms were large (e.g., Cohen's d ~-1.0 or more compared with controls). Numbers needed to treat (NNTs) were <4 to achieve loss of PTSD diagnosis for exposure therapy, CPT, CT, CBT-mixed, and EMDR. Several psychological treatments are effective for adults with PTSD. Head-to-head evidence was insufficient to determine these treatments' comparative effectiveness, and data regarding adverse events was absent from most studies

Tourism policy and destination marketing in developing countries: the chain of influence

Tourism marketers including destination marketing organisations (DMOs) and international tour operators play a pivotal role in destination marketing, especially in creating destination images. These images, apparent in tourist brochures, are designed to influence tourist decision-making and behaviour. This paper proposes the concept of a “chain of influence” in destination marketing and image-making, suggesting that the content of marketing materials is influenced by the priorities of those who design these materials, e.g. tour operators and DMOs. A content analysis of 2,000 pictures from DMO and tour operator brochures revealed synergies and divergence between these marketers. The brochure content was then compared to the South African tourism policy, concluding that the dominant factor in the chain of influence in the South African context is in fact its organic image