Gesch-2

GEsch

gesch trimester 3

Kaarten: Gesch H5-9 2026 data | Quizlet

Leven en werken in de stad gesch.

Van nomaden in de woestijn tot heersers over een uitgestrekt gebied gesch

About Mercury: Founded in 1961, Mercury Insurance is a leading provider of auto, home, renters, and business insurance, serving California and several other states. Renowned for its competitive rates and exceptional customer service, Mercury has earned multiple accolades, including recognition as one of “America’s Best Midsize Employers” by Forbes and one of “America’s Greatest Workplaces for Mental Wellbeing” by Newsweek. The company partners with independent agents and offers a range of discounts for policy bundling, safe driving, and vehicle safety features. Mercury's Core Values: We do the Right Thing – We put people first. We treat people the way we want to be treated. We Own It – We act with initiative and passion, balancing decisiveness, and attention to detail to drive results. We Seek a Better Way – We are explorers discovering new paths forward. We overcome challenges with bold and creative solutions and learn from every step. We Move Quickly – We move with Mercurian speed. We swiftly put ideas into action and rapidly adapt in a changing world. Here are some quick, fun facts about Mercury Insurance: The "Mercurian" Name Origin: The company was named after the Roman god Mercury, the swift-footed messenger of the gods. This is exactly where their core value of "Mercurian speed" comes from—meaning they take pride in moving fast, adapting quickly, and putting ideas into action smoothly. A True California Pioneer: Founded in 1961 by a man named George Joseph, Mercury started as a tiny operation in California. Today, it is one of the most dominant, leading providers of auto and home insurance in the entire state, alongside its expansion into several other states. The $1,000 Start: Legend has it that the founder, George Joseph, started the company with just six employees and about $1,000 of his own savings. He went on to lead the company for decades, becoming one of the oldest and longest-serving CEOs in corporate history before passing away recently. Double-Award Winner: They aren't just an insurance powerhouse; they are officially recognized as a top-tier place to work. They hold titles as one of "America’s Best Midsize Employers" by Forbes and one of "America’s Greatest Workplaces for Mental Wellbeing" by Newsweek. The Independent Agent Champions: While many massive carriers have shifted completely to automated, direct-to-consumer online selling, Mercury has fiercely championed the human element. They partner heavily with independent agents and brokers, believing that local, expert relationships are the best way to write smart, personal business. Here are the direct duties and responsibilities for a Commercial Auto & Fleet Underwriter broken down into simple, real-world terms: Evaluating "MVRs" (Motor Vehicle Reports): You pull and analyze the driving records of all the employees listed on the business policy. You are looking for red flags like DUIs, reckless driving, or too many speeding tickets to ensure the drivers are safe to be on the road. Analyzing Vehicle Use and Radius: You determine exactly how the vehicles are being used and where they are going. For example, a local plumber driving a pickup truck within a 15-mile radius is a much lower risk than a delivery van driving hundreds of miles a day in heavy stop-and-go city traffic. Assessing Gross Vehicle Weight (GVW): You look at the size and weight of the business vehicles. A massive, heavy-duty dump truck or a semi-truck can cause significantly more damage in an accident than a standard sedan, meaning it requires higher coverage limits and precise pricing. Reviewing Fleet Loss Runs: For businesses with multiple vehicles (a fleet), you look at their multi-year claims history. You calculate the "frequency" (how often they get into accidents) versus the "severity" (how expensive the accidents are) to see if the business has a safe driving culture. Verifying Business Classification: You make sure the business is classified correctly under company guidelines. Insuring a catering van is a completely different risk level than insuring a vehicle used for emergency towing services. How to say this naturally on Monday Commercial Underwriting (Auto & Fleet): "At GEICO, my commercial focus was specifically on Commercial Auto and Fleet underwriting. On a daily basis, I was responsible for looking at driver MVRs, evaluating how far and how often these business vehicles were traveling, and analyzing their multi-year loss runs. My goal was to make sure that the premium we charged accurately matched the real-world risk of those vehicles being out on the road." What Does a Commercial Underwriter Do? In short, a commercial underwriter evaluates the risk of insuring businesses rather than individuals. They protect the insurance company's financial bottom line by deciding which businesses are safe to insure and how much those businesses should pay for their policies. Their day-to-day responsibilities include: Analyzing Business Operations: They review what a company actually does (e.g., Is it a restaurant? A construction company? A retail store?) to understand the unique safety hazards involved. Reviewing Financial Statements: They look at a business’s balance sheets, revenue, and financial health to ensure the company is stable and not a moral hazard or a bankruptcy risk. Analyzing Loss Runs (Claims History): They look at a company's past insurance claims to see if there is a pattern of frequent accidents, lawsuits, or safety issues. Pricing and Guidelines: They apply corporate and state guidelines to calculate appropriate premiums, set coverage limits, or add specific exclusions to a policy. What is a Broker: Their main job is to shop around the entire market to find the best coverage and pricing for their client's specific risk profile. Here is a quick, conversational breakdown of what they do, their responsibilities, and how they interact with you as an underwriter: Core Responsibilities of a Broker Shopping the Market: They analyze their client's needs and gather quotes from multiple different insurance carriers to compare coverages and rates. Risk Assessment & Consultation: They review a client’s assets or business operations to figure out what kind of exposures they have and advise them on how much coverage they actually need. Policy Management: They help clients fill out applications, handle policy renewals, process endorsements (changes to the policy), and sometimes help navigate the claims process if something goes wrong. Fiduciary Duty: Because they represent the client, they have a legal and ethical duty to act in the client's best interest, not the insurance company's. Why do you feel you're a great candidate for Mercury Insurance and why? "I’m a great candidate because I already understand the day-to-day rhythm of managing a profitable personal lines book and partnering with independent agents. My time at State Farm and GEICO taught me how to balance sharp attention to detail with the data-driven decisiveness needed to truly own it when making risk decisions. Because of my fast-paced background, I naturally operate with that Mercurian speed, making accurate choices without sacrificing quality. At the same time, my communication background ensures I always do the right thing by putting people first and maintaining diplomatic relationships with our agents. Ultimately, you’re getting someone who can step into this remote role on day one, align with your values, and immediately help drive results

verdelldheid en eenheid bij de Franken gesch

GESCH: les 15 + 16

Unidad - Hace deporte / Gestos / Extra

gesch

Exam Vocab: la comunicación no verbal (gestos)

gesch

La Rivoluzione Francese: Dalla Crisi alla Repubblica 1. La Francia alla vigilia della crisi Negli anni Ottanta del Settecento, la Francia era una delle principali potenze europee, ma internamente era fragile e divisa in tre ceti sociali (il cosiddetto Antico Regime): • Clero e Nobiltà: Rappresentavano solo il 2% della popolazione ma possedevano il 40% delle terre. Godevano di enormi privilegi e, soprattutto, non pagavano le tasse. • Terzo Stato: Comprendeva il 98% della popolazione (borghesi, professionisti, artigiani e contadini). Erano gli unici a pagare le tasse e vivevano in condizioni di grande miseria, aggravata dai diritti signorili e dai tributi dovuti alla Chiesa. 2. La convocazione degli Stati Generali Le casse dello Stato erano vuote a causa delle spese folli della corte di Versailles e delle guerre. Per evitare il fallimento, il re Luigi XVI decise di tassare anche la nobiltà e il clero. Di fronte all'opposizione dei privilegiati, il re convocò gli Stati Generali il 5 maggio 1789. In tutta la Francia vennero compilati i cahiers de doléances (quaderni di lamentele), dove i cittadini esprimevano le loro proteste: il Terzo Stato chiedeva uguaglianza e la fine dell'assolutismo. 3. L'Assemblea Nazionale e il Giuramento della Pallacorda Negli Stati Generali si discuteva sul sistema di voto: nobiltà e clero volevano il voto "per ordine" (vincendo sempre 2 contro 1), mentre il Terzo Stato chiedeva il voto "per testa". Dopo settimane di stallo, il Terzo Stato si autoproclamò Assemblea Nazionale. Il re cercò di bloccarli, ma i deputati si riunirono nella sala della Pallacorda, giurando di non uscirne finché non avessero dato alla Francia una Costituzione. 4. Lo scoppio della Rivoluzione: 14 luglio 1789 Mentre il re ammassava truppe a Parigi, il popolo, affamato e spaventato, insorse. Il 14 luglio 1789 venne assaltata la Bastiglia, prigione-fortezza simbolo dell'assolutismo. In breve tempo: • Venne formata la Guardia Nazionale per difendere l'Assemblea. • Nelle campagne i contadini assaltarono i castelli dei nobili per bruciare i registri delle tasse. • Il 4 agosto 1789 l'Assemblea dichiarò l'abolizione dei diritti feudali. 5. I diritti dell'uomo e la marcia su Versailles Il 26 agosto 1789 fu approvata la Dichiarazione dei diritti dell'uomo e del cittadino, che sanciva l'uguaglianza di tutti i sudditi. Tuttavia, il re si rifiutò di firmare questi documenti. Il 5 ottobre 1789, una folla composta principalmente da donne marciò su Versailles e costrinse il re a trasferirsi a Parigi, al palazzo delle Tuileries. 6. La Costituzione e la fuga del Re L'Assemblea continuò i lavori e nel settembre 1791 approvò la prima Costituzione: la Francia diventava una Monarchia Costituzionale con la separazione dei poteri (esecutivo al re, legislativo a un'assemblea eletta per censo, giudiziario ai magistrati). Nel frattempo, Luigi XVI cercò di fuggire all'estero per chiedere aiuto alle potenze straniere, ma fu riconosciuto a Varennes e riportato a Parigi. Questo gesto distrusse la fiducia dei francesi verso la monarchia. 7. La guerra e la nascita della Repubblica Le potenze straniere (Austria e Prussia) minacciarono di intervenire per difendere il re. Nell'aprile 1792 la Francia dichiarò guerra. Nonostante le difficoltà iniziali, migliaia di volontari si arruolarono (nasce qui La Marsigliese). Il 10 agosto 1792, il popolo parigino (i sanculotti) assaltò il palazzo reale; Luigi XVI fu arrestato e accusato di tradimento. Il 20 settembre 1792, dopo la vittoria francese a Valmy, l'Assemblea proclamò ufficialmente l'abolizione della monarchia e la nascita della Repubblica. 8. La condanna a morte di Luigi XVI All'interno della Convenzione (la nuova assemblea), si discusse sul destino del re. I montagnardi volevano la morte immediata, mentre i girondini erano più moderati

gesch

Gesch HS 5 en 6

📚😅Gesch: leerdoelen en begrippen!

📚Gesch: leerdoelen en begrippen!

gesch(eit)enis hoofdstuk 3

Gesch van de film 1: vroege cinema L1