rn e B e h T #Feel Can somebody attack me please? Please clap Vote with your conscience #N a I call it 'Trumped Up, Trickle Down' styW oma #ImWithHe
r e #Bask bles a r o l p tOfDe Its FINALLY A AG #M Were going to win so much youre going to get tired of winning. A man who can be provoked by a tweet, should not my strongest asset by far is have his fingers
my anywhere near the temperament nuclear codes n POST ELECTION 2016 The Impact on Insurance Agents and Financial Services Diane Boyle Sr Vice President Magenta Ishak Vice President Judi Carsrud Director Steve Kline Director Michael Hedge Stephanie Sheridan Director Director
National Presidential Vote Results WA 12 OR 7 ID 4 NV 6 CA 55 ME 4 ND 3 MT 3 WY 3
MN 10 SD 3 IA 6 NE 5 UT 6 CO 9 AZ* 11 KS 6 OK 7 NM
5 TX 38 AK* 3 WI 10 MO 10 IL 20 NY 29 MI* 16 OH IN 18 WV 11 5 KY 8
LA 8 MS 6 AL 9 GA 16 SC 9 206 270 votes needed to win Source: National Journal, 2016 *MI and NH not called at time of presentation NJ 14 DE 3 DC 3
27 6 218 CT 7 MD 10 FL 29 Romney MA 11 RI 4 VA 13 NC 15 TN 11 AR 6 PA
20 332 Obama Who Did You Vote Against? Senate House 6 New 52 New 51 Needed for Majority 218 Needed for Majority 46-2-51* Republican Senate Majority * The LA Senate race will be going to a run-off Source: National Journal, 2016
238- 193* Republican House Majority *As of 10:30 AM on Nov. 10, four House races have yet to be called Regulatory Agencies Department of Health & Human Services Department of Labor Department of the Treasury U.S. Securities and Exchange Commission Internal Revenue Service
Working with Regulators Cybersecurity Disaster Fiduciary Rule Financial Literacy Health Insurance Pay-to-Play Producer Licensing Recruitment Practices Senior Financial Protection State Sponsored Retirement Plans Chris Christie Leading Trumps Transition Team Governor of New Jersey Trump Financial Advisory Team Jeff Sessions Peter Navarro
Campaign CEO Alabama Senator University of CA, Irvine Economics Professor Paul Atkins Stephen Miller Steve Bannon Presidential transition for financial regulation Former SEC Commissioner Campaign Policy Chief Rick Dearborn John Mashburn Sen. Sessions COS Sen. Tillis, Lott, Coverdale, etc. Wilbur Ross Stephen Feinberg CEO Cerberus Capital
Steven Mnuchin Goldman Sachs Banker Presidential economic policy advisor Private-equity investor Thomas Barrack Colony Capital Inc. Mike Leavitt former HHS Sec. and Utah Governor Adam Hamm Outgoing ND Insurance Commissioner Bob Corker Tennessee Senator David Malpass Presidential transition for Treasury Former Bear Stearns Possible Cabinet Appointees: Chief of Staff Treasury
HHS Reince Priebus Steven Mnuchin Dr. Ben Carson RNC Chairman Presidential Finance Chairman Former Goldman Sachs CEO Dune Capital Management Former Neurosurgeon Chris Christie Governor of New Jersey Chairman of Transition Team Jeb Hensarling House Representative from Texas Corey Lewandowski Former Trump Campaign Manager CNN Political Commentator
Labor Victoria Lipnic Equal Employment Opportunity Commission Commissioner Former Assistant Sec. of Labor for Employment Standards Newt Gingrich Former House Speaker Rick Scott Governor of Florida Rich Bagger Executive director of Transition Team Former pharmaceutical executive Source: Alexander Bolton, Trump starts considering cabinet, The Hill, July 22, 2016. ; Max Abelson and Zachary Mider, Trumps top fundraiser eyes the deal of a lifetime, Bloomberg, August 31, 2016; Sources: Katy Tur and Benjy Sarlin, Gingrich, Giuliani, Priebus Eyed for Top Jobs in Trump White House: Sources, NBC News, November 7, 2016; Ben Schreckinger, Portrait of a Trump West Wing, Politico, November 3, 2016; Nancy Cook and Andrew Restuccia, Trumps kitchen cabinet, Politico, October 13, 2016. State Legislatures Governorshi
ps MA RI CT NJ DE MD DC Insurance Commissioners MA RI CT NJ DE MD DC What do you need to know as a NAIFA member about the makeup of Congress? Key Senate Wins for NAIFA Senator Rob Portman (R-OH)
Senate Finance Committee member Forty Hours Is Full Time Act of 2015 (S. 30) DOL Comment letter Disapproving the DOL Fiduciary Rule (H.J. Res. 88) Affordable Retirement Advice Protection Act (S. 2502) SAVERS Act of 2016 (S.2 505) PACE Act (S. 1099) Senator Richard Burr (R-NC) Senate HELP Committee Member Senate Finance Committee Member DOL Comment Letter Disapproving the DOL Fiduciary Rule (H.J. Res. 88)
Forty Hours Is Full Time Act of 2015 (S. 30) PACE Act (S. 1099) Financial Security and Life Insurance Caucus member Key Senate Wins for NAIFA Senator Pat Toomey (R-PA) Senate Finance Committee Member Senate Banking Committee member Disapproving the DOL Fiduciary Rule (H.J. Res. 88) Senior$afe Act Cosponsor (S. 2216) Forty Hours Is Full Time Act of 2015 (S. 30) PACE Act (S. 1099) SenatorElect Todd Young (R-IN)
House Ways and Means Committee Member DOL Comment Letter Disapproving the DOL Fiduciary Rule (H.J. Res. 88) DOL Fix Cosponsor (H.R. 4293 & H.R. 4294) Senior$afe Act Cosponsor (H.R. 4538) PACE Act Cosponsor (H.R. 1624) MLR Fix Cosponsor (H.R. 815 & H.R. 1206) Financial Security and Life Insurance Caucus member Key House Wins for NAIFA Rep. Bruce Poliquin (R-ME) House Financial Services Committee member DOL Comment Letter Disapproving the DOL Fiduciary Rule (H.J. Res. 88) Senior$afe Act Cosponsor (H.R. 4538) PACE Act Cosponsor (H.R. 1624) Rep. Carlos Curbelo (R-FL)
Education and the Workforce Committee member DOL Comment Letter Disapproving the DOL Fiduciary Rule (H.J. Res. 88) Senior$afe Act Cosponsor (H.R. 4538) MLR Fix (H.R. 815) Pace Act Cosponsor (H.R. 1624) Financial Security and Life Insurance Caucus member Former NAIFA Members Entering Congress Rep. Brad Schneider (D-IL) Former Member of Congress Defeated Bob Dold Rep. Elect Al Lawson (D-FL) Former State Senator Defeated Corrine Brown Key Losses for NAIFA Senator Mark Kirk (R-IL)
Senate HELP Committee Member DOL Comment Letter Disapproving the DOL Fiduciary Rule (H.J. Res. 88) DOL Fix Cosponsor (S. 2502, S. 2505 & S. 2497) Senior$afe Act Cosponsor (S. 2216) Forty Hours Is Full Time Act of 2015 Cosponsor (S. 30) PACE Act (S. 1099) Rep. Charles Boustany (R-LA) Ways & Means Member DOL Comment Letter Disapproving the DOL Fiduciary Rule (H.J. Res. 88) DOL Fix Cosponsor (H.R. 4293 & H.R. 4294)
PACE Act (S. 1099) CLASS Act repeal sponsor (H.R. 1173) MLR fix cosponsor (H.R. 815 & H.R. 1206) Financial Security and Life Insurance Caucus member Rep. Joe Heck (R-NV) Education and the Workforce Committee member Disapproving the DOL Fiduciary Rule (H.J. Res. 88) PACE Act Cosponsor (H.R. 1624) MLR Fix Cosponsor (H.R. 815 & H.R. 1206) Key Losses for NAIFA Rep. Scott Garrett (R-NJ) House Financial Services Committee Member Chairman of the Subcommittee on Capital Markets and Government-Sponsored Enterprises (SEC jurisdiction) DOL Comment Letter Disapproving the DOL Fiduciary Rule (H.J. Res. 88) Financial CHOICE act of 2016 Cosponsor (H.R. 5983) NARAB Cosponsor (H.R. 1112) Rep. Robert Dold (R-IL)
House Ways and Means Committee Member DOL Comment Letter Disapproving the DOL Fiduciary Rule (H.J. Res. 88) PACE Act Cosponsor (H.R. 1624) MLR Fix Cosponsor (H.R. 1206) NARAB Cosponsor (H.R. 1112) Financial Security and Life Insurance Caucus member Key Losses for NAIFA Rep. Patrick Murphy (D-FL) House Financial Services Committee Member DOL Comment Letter Senior$afe Act Cosponsor (H.R. 4538) Rep Frank Guinta (R-NH)
House Financial Services Committee Member Disapproving the DOL Fiduciary Rule (H.J. Res. 88) PACE Act Cosponsor (H.R. 1624) MLR Fix Cosponsor (H.R. 815 & H.R. 1206) Hanging in the Balance John Kennedy (R) Foster Campbell (D) Louisiana Candidates for Senate Special Election December 10th Expected Senate Party Leaders Majority Whip Majority Leader Mitch John Cornyn
Chairman Patty Murray D-Washington Expected House Majority Party Leaders Speaker Paul Ryan RWisconsin Majority Steve Whip Scalise RLouisiana Majority Leader Kevin McCarthy R- California Republican Conference Chair Cathy McMorris Rodgers R-Washington Republican
Conference Vice Chair Lynn Jenkins R-Kansas Bill Flores R-Texas Expected House Minority Party Leaders Democratic Caucus Chairman Democratic Leader Nancy Pelosi D-CA Joe Crowley D-NY Democratic Steny Hoyer Whip D-MD Democratic Caucus Vice-Chairman Assistant
Democratic James Clyburn Leader D-SC Linda Sanchez D-CA Or Barbra Lee D-CA Key Committee Presumed Chair Senate Banking, Housing and Urban Affairs Mike Crapo (R-ID) Presumed Ranking Member Sherrod Brown (D-OH) Senate Finance Orrin Hatch (R-UT)
Ron Wyden (D-OR) Lamar Alexander (R-TN) Bernie Sanders (I-VT) Senate Budget Mike Enzi (R-WY) Bernie Sanders (I-VT) Senate Rules Roy Blunt (R-MO) Tom Udall (D-NM) Virginia Foxx (R-NC) Bobby Scott (D-VA) Shimkus (R-IL) Walden (R-OR) Frank Pallone (D-NJ)
Jeb Hensarling (R-TX) Maxine Waters (D-CA) Kevin Brady (R-TX) Sander Levin (D-MI) Senate Health, Education, Labor & Pensions House Education and the Workforce House Energy & Commerce House Financial Services House Ways & Means Before the newly-elected take office, the 114th Congress has very little must-do business. This version of lame duck is gonna be really lame. There is little incentive to do in December what can wait until January.
Budget Is a Must Do Lame Duck Priority November December 1 2 3 4 5 1 2 3 6 7 8
9 10 11 12 4 5 6 7 8 9 10 13 14 15
16 17 18 19 11 12 13 14 15 16 17 20 21 22
23 24 25 26 18 19 20 21 22 23 24 27 28 29
30 25 26 27 28 29 30 31 Leadership election process is expected to take place within the first few weeks after the election Current continuing resolution expires Dec. 9th House Senate
16 20 Days left in session Days left in session Senate in session Both chambers in session Omnibus, mini-bus or a short term Continuing Resolution? Source: National Journal Research, 2016. Whats on the Agenda in 2017? A Better Way: Our Vision for a Confident America Republican Policy Agenda will take center stage and will include: Poverty National Security The Economy The Constitution Health Care Tax Reform
NAIFA Issues It is time for a new, bold and innovative tax system a tax system that looks like someone -Senate Finance Committee Report designed it on purpose. Revise or repeal/replace Affordable Care Act Improve retirement rules Senior financial protection NARAB Trumps First 100 Days Possible repeal of Obamas extensive regulations Dodd Frank, DOL rule, ACA, State Retirement plan preemption Supreme Court nominee Will rely on VP Pences experience
International tax and infrastructure Fill out Cabinet and agency political appointees Debt Ceiling, March What Should NAIFA Members Do? Theres a Role for Everyone NAIFA Has Influence, Authority Keeping You Informed naifa.org/advocacy naifablog.com @naifaadvocacy /naifanational Grassroots & Grasstops Influence Prior to the November 8th elections, APIC coverage rate was 100% After the November 8th elections, APIC coverage rate is 88% Report relationships to [email protected] Grassroots & Grasstops Influence Large Number of Legislator Gaps in: California
Florida New York Pennsylvania Virginia [email protected] Industry Connections Are Very Helpful to Our Policy Successes! Arriving: Leaving: Randy Forbes (R-VA)-Father was a debit agent for a VA insurance company Al Lawson (D-FL)-Former NAIFA Member & Northwestern Mutual agent Frank Guinta (R-NH)-Formerly w/Traveler's Insurance Brad Schneider (D-IL)Former NAIFA Member Report What You Know to the APIC office!!! [email protected] 2017 Is the Year to Get
Involved! The Best People to Deliver Our Message to Congress Are NAIFA Members! You Serve Main Street Americans You Are Main Street Americans You Are Employers, Taxpayers & Voters IFAPAC Facts NAIFAPAC contributed $2.4 Million to federal candidates and committees for the 2016 election cycle NAIFAPAC supported over 375 federal candidates PAC Contributions do not pay for lobbying. IFAPAC dollars support the elections of candidates who understand the important role of insurance agents and financial advisors. IFAPAC Facts Continued Average annual contribution per NAIFA member is $275 NAIFA member participation rate is 22% -- The NAIFA staff participation rate is 100% Growing our PAC with new contributors strengthens our advocacy efforts and allows us to have a voice in all Congressional races.
NAIFAs PAC is a Leader in the 2016 Election Cycle Top 10 PACs* Contributions to Candidates PAC Name Total Amount $4,544,150 National Assn of Realtors National Beer Wholesalers Assn $3,818,700 AT&T Inc $3,141,500 Honeywell International $2,756,364 National Auto Dealers Assn $2,688,750 Intl Brotherhood of Electrical Workers
$2,660,350 American Bankers Assn $2,558,981 Lockheed Martin $2,546,750 Credit Union National Assn National Assn of Insurance & Financial Advisors Top 10 Insurance Industry PACs PAC Name Total National Assn of Insurance & Financial Advisors $2,436,650
New York Life Insurance Indep Insurance Agents & Brokers/America $2,024,450 AFLAC Inc $1,357,500 USAA Council of Insurance Agents & Brokers $1,355,500 $1,007,050 $2,437,850 Liberty Mutual Insurance American Council of Life Insurers Massachusetts Mutual Life Insurance $2,436,650
State Farm Mutual Automobile Insurance * Over 5,000 federally registered PACs Source: center for Responsive Politics Nov 3, 2016. Based on data released by the FEC on October 28, 2016. $1,531,475 $1,186,500 $1,004,000 $848,000 $798,125 Get Involved Stay Informed naifa.org/advocacy naifablog.com @naifaadvocacy /naifanational
2 MINUTE- MADNESS - OVERVIEW Context. Hydrometricdata are essential for manyhydrological issues such as flood forecasting and warning, engineering design and policydecisionsrelated to water resource management as well as calibration of hydrologicalmodels.
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The outbreak of WW1 Reaction to the outbreak of war "Propaganda" British sympathy for "little" Belgium The outbreak of WW1 Reaction to the outbreak of war "Propaganda" British sympathy for "little" Belgium People throughout Europe celebrated when war was declared...
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PREMIILE ROMÂNIACURATA.RO Premiul „TRASEISTUL ANULUI 2012" Octavian Bot, deputatul bihorean reales și în decembrie 2012 sub sigla USL, are la activ 6 partide și următorul traseu: PAC, PL'93, PNL, PNL-CD, UFD, PDL, PNL.
Later teamed up with Van Dyke Parks to produce an album (Smile) that would be as complex and demanding. Project was doomed. Early takes on "Surf's Up" and "Cabin Essence" showed promise. Wilson's drug use and behavior caused the project...