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The amount that the policy-holder must pay out of pocket before the health plan pays for a particular visit or service. Indiana The term health insurance is generally used to describe a form of insurance that pays for medical expenses. Iowa It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. Kansas It may be provided through a government-sponsored social insurance program, or from private insurance companies. Kentucky It may be purchased on a group basis or purchased by individual consumers. Louisiana Blues Traveler In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Maine Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government. Manitoba Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement. Maryland The benefit is administered by a central organization, most often either a government agency or a private or not-for-profit entity operating a health plan. Massachusetts In the United States, car insurance is compulsory in most states, though enforcement of the requirement varies from state to state.
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In practical terms, a computer program might include anywhere from a dozen instructions to many millions of instructions for something like a word processor or a web browser. A typical modern computer can execute billions of instructions every second and nearly never make a mistake over years of operation. Large computer programs may take teams of computer programmers years to write and the probability of the entire program having been written completely in the manner intended is unlikely. Errors in computer programs are called bugs. Sometimes bugs are benign and do not affect the usefulness of the program, in other cases they might cause the program to completely fail (crash), in yet other cases there may be subtle problems. Sometimes otherwise benign bugs may be used for malicious intent, creating a security exploit. Bugs are usually not the fault of the computer. Since computers merely execute the instructions they are given, bugs are nearly always the result of programmer error or an oversight made in the program's design. In most computers, individual instructions are stored as machine code with each instruction being given a unique number (its operation code or opcode for short). The command to add two numbers together would have one opcode, the command to multiply them would have a different opcode and so on. The simplest computers are able to perform any of a handful of different instructions, the more complex computers have several hundred to choose from—each with a unique numerical code. Since the computer's memory is able to store numbers, it can also store the instruction codes. This leads to the important fact that entire programs (which are just lists of instructions) can be represented as lists of numbers and can themselves be manipulated inside the computer just as if they were numeric data. The fundamental concept of storing programs in the computer's memory alongside the data they operate on is the crux of the von Neumann, or stored program, architecture. In some cases, a computer might store some or all of its program in memory that is kept separate from the data it operates on. This is called the Harvard architecture after the Harvard Mark I computer. Modern von Neumann computers display some traits of the Harvard architecture in their designs, such as in CPU caches. Programs
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Northwest Territories This coverage, however, cannot apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured’s vehicle, assuming that a rental car may be worth more than the insured’s vehicle. Nova Scotia Blues and Blues Boogie Most rental car companies offer insurance to cover damage to the rental vehicle. Nunavut These policies may be unnecessary for many customers as credit card companies, such as Visa and MasterCard, now provide supplemental collision damage coverage to rental cars if the transaction is processed using one of their cards. Ohio These benefits are restrictive in terms of the types of vehicles covered. Oklahoma Liability Ontario Liability coverage provides a fixed dollar amount of coverage for damages that an insured driver becomes legally liable to pay due to an accident or other negligence.