In January 2007, Travelers agreed to pay US$77 million to six states to settle a class action suit and end investigations into its insurance practices.[36][37] The charges involved paying the insurance broker Marsh & McLennan Companies contingent commissions to win business without the knowledge of clients, thus creating a conflict of interest.[38] Additionally, the investigation examined whether Travelers had created the illusion of competition by submitting fake bids,[39] thus misleading clients into believing they were receiving competitive commercial premiums.[40]
Continental islands are bodies of land that lie on the continental shelf of a continent.[10] Examples are Borneo, Java, Sumatra, Sakhalin, Taiwan and Hainan off Asia; New Guinea, Tasmania, and Kangaroo Island off Australia; Great Britain, Ireland, and Sicily off Europe; Greenland, Newfoundland, Long Island, and Sable Island off North America; and Barbados, the Falkland Islands, and Trinidad off South America.

It’s easy to see why this outcrop of land just an hour’s drive from Melbourne has long been a weekend retreat for the city’s well-heeled residents. Rolling vineyards in its interior give way to seaside villages and sandy shoreline. Travelers can swim with wild dolphins, visit wineries on horseback, or soar above the landscape in a gondola. And with a new flurry of openings, the region has begun to attract global attention. The latest addition is Point Leo Estate on the peninsula’s southernmost point. Set on 330 acres, it combines a tasting room, a 110-seat fine-dining restaurant, and a sculpture park, with more than 50 works by Australian and international artists like George Rickey and Inge King. Its arrival follows the launch of Jackalope, a seductive, art-infused boutique hotel neighboring a working winery. Elsewhere, Peninsula Hot Springs, a day spa set amid geothermal pools, is slated to unveil seven new pools and a new treatment list in 2018. —Carrie Hutchinson
Protocol Omega means the Director is no longer intervening in this timeline as either the Traveler program succeeded in its mission or it has totally failed. When Jeff visits Marcy to offer his condolences, she realizes he has been overwritten by 001 and eventually kills herself to prevent him obtaining Ellis' backdoor code from her brain. 001 uploades his consciousness to the internet, enabling him to exist into the future and ultimately gain control. He sends the consciousnesses of his followers into world leaders, provoking the Russians and Chinese to launch nuclear warheads against the US. Yates blames MacLaren and his team for hastening, rather than preventing, the end of mankind. MacLaren uses 001’s machine to send his mind back to the August 2001 day when his host first met Kat. He tells her to give John a second chance, later drops off a warning about Helios, then on September 11 arrives at the same office high in the World Trade Center a few minutes before 001's expected arrival, meant to kick off the Traveler program. MacLaren sends an email, knowing the Director will find it, stating: "Traveler program failed. Do not send 001." MacLaren stays in the office – as 001 was supposed to do in the original plan – to await the attacks. The non-Traveler Marcy, showing no signs of hydrocephalus and working as a nurse, happens to sit beside David on a bus, and he strikes up a conversation, renewing their inevitable connection for a third time. The Director decides that Traveler program version one has failed, and begins version two...
Over the past few years, South Korea’s Gangwon Province has shed its sleepy past and come into its own as a prime winter-sports destination — a transformation that will take center stage during the Pyeongchang Winter Olympics (February 9–25). Ahead of the big event, the region will debut a new high-speed rail line that will whisk travelers from Incheon International Airport to the resort town in just 70 minutes, making it easier to access the Taebaek Mountains’ panoramic pistes and tourist-friendly attractions. Powder hounds will want to lodge at the InterContinental Alpensia Pyeongchang Resort, which commands a prime location at the foot of the Alpensia ski slopes, steps from two Olympic-class runs, and is one of a handful of hotels built for the games. Break from all the outdoor action at the Ocean 700 indoor water park, complete with wave pools and tubing rides. —Talia Avakian 

Saint Paul Fire and Marine Insurance Co. was founded March 5, 1853, in St. Paul, Minnesota, serving local customers who were having a difficult time getting claim payments in a timely manner from insurance companies on the east coast of the United States. It barely survived the Panic of 1857 by dramatically paring down its operations and later reorganizing itself into a stock company (as opposed to a mutual company). It soon spread its operations across the country. In 1998 it acquired USF&G, known formerly as United States Fidelity and Guaranty Company, an insurance company based in Baltimore, Maryland, for $3.9 billion in stock and assumed debt.[5][6] By buying USF&G, they went from the 13th to the eighth largest property and casualty insurance company in the United States. Through economies of scale between the two companies, and a difficult business environment, they downsized the company substantially over the coming years by selling certain business units to focus on more profitable business units.[7][8]
It’s easy to see why this outcrop of land just an hour’s drive from Melbourne has long been a weekend retreat for the city’s well-heeled residents. Rolling vineyards in its interior give way to seaside villages and sandy shoreline. Travelers can swim with wild dolphins, visit wineries on horseback, or soar above the landscape in a gondola. And with a new flurry of openings, the region has begun to attract global attention. The latest addition is Point Leo Estate on the peninsula’s southernmost point. Set on 330 acres, it combines a tasting room, a 110-seat fine-dining restaurant, and a sculpture park, with more than 50 works by Australian and international artists like George Rickey and Inge King. Its arrival follows the launch of Jackalope, a seductive, art-infused boutique hotel neighboring a working winery. Elsewhere, Peninsula Hot Springs, a day spa set amid geothermal pools, is slated to unveil seven new pools and a new treatment list in 2018. —Carrie Hutchinson
Make your next trip one to remember by exploring your national parks! Download Happy Trails: 25 Unforgettable National Park Hikes for descriptions and insider recommendations on trails and treks for all ages and ability levels, as well as general hiking tips. Sign up to get this guide, a must-have for planning an unforgettable national park adventure.
Three high-ranking Travelers are sent back by the Director to put Grace on trial for violating protocols, overwriting a person who was not assigned to be her host, and sabotaging the Grand Plan. Mac and the team must give testimony at the trial that will determine if she should be overwritten or not. Meanwhile, the Faction is trying to replenish its numbers by overwriting people with the stored minds in the Quantum Frame. It transpires the trial was staged by the Director to flush out a Faction member from within the three Travelers judging Grace, which it successfully does, this leading to Mac's team securing the Quantum Frame.
The word island derives from Middle English iland, from Old English igland (from ig or ieg, similarly meaning 'island' when used independently, and -land carrying its contemporary meaning; cf. Dutch eiland ("island"), German Eiland ("small island")). However, the spelling of the word was modified in the 15th century because of a false etymology caused by an incorrect association with the etymologically unrelated Old French loanword isle, which itself comes from the Latin word insula.[3][4] Old English ieg is actually a cognate of Swedish ö and German Aue, and related to Latin aqua (water).[5] 

During the summer of 2015, Islands simultaneously recorded two records: Should I Remain Here, At Sea? — a spiritual successor to the band's debut album, Return to the Sea — and Taste, a "more electronic" album "buoyed by drum machines, programming and vintage synths."[6] The albums were released on May 13, 2016 via the band's own Manqué label, reaching #21 and #23 on the Billboard Heatseeker charts, respectively.[7]
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