Showing 843 items
matching committees of management
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Whitehorse Historical Society Inc.
Newspaper - Article, Award for swim boss, 9/10/1991
... Committee of Management..... He served 12 years on the Tally Ho Village Committee ...Article, Nunawading Gazette. Murray Whitmore has been awarded the Paul Harris Award from Rotary for 20 years of service to the Nunawading Community. He served 12 years on the Tally Ho Village Committee of Management.whitmore, murray, paul harris award, rotary club of forest hill, tally ho, nunawading swimming pool -
Glenelg Shire Council Cultural Collection
Administrative record - Renewal Receipt - Public Risk Insurance, Portland Free Library, 08/09/1922
... Insurance Co. Limited, to Committee of Management of Portland Free... Dept. Queensland Insurance Co. Limited, to Committee ...Front: '2009' - black ink, top rightportland free library, insurance, administration, glenelg shire council archives -
Deaf Children Australia
Book, Minutes - Sept 1953 to June 1958
... of meetings of the Committee of Management of the Victorian School... of the Committee of Management of the Victorian School for Deaf Children ...The minutes of each meeting of the Board of Management of the Victorian Deaf & Dumb Institution, the Victorian School for Deaf Children and Deaf Children Australia has been retained from 1862 to 2010.The minutes of the meetings provide an insight into the day to day running of the School, from Wages and Salaries, student issues to broader educational topics, building works and finances.Red leather(?) bound book containing typed minutes of meetings of the Committee of Management of the Victorian School for Deaf Children from Sept 1953 - June 1958. The minutes are a copy that has been pasted onto brown paper and then all bound togetherSpine: "MINUTES Sept. 1953 to June 1958" in gold letteringdeaf children australia, deaf education, minutes of meeting -
Deaf Children Australia
Book, Minutes Jul 1958 to Feb 1963
... to white pages. Contains the minutes of meetings of the Committee.... Contains the minutes of meetings of the Committee of Management ...The minutes of each meeting of the Board of Management of the Victorian Deaf & Dumb Institution, the Victorian School for Deaf Children and Deaf Children Australia has been retained from 1862 to 2010.The minutes of the meetings provide an insight into the day to day running of the School, from Wages and Salaries, student issues to broader educational topics, building works and finances.Red leather bound book containing typed pages glued to white pages. Contains the minutes of meetings of the Committee of Management, later the Board of Management (from Feb 1960) of the Victorian School for Deaf Children from July 1958 - Feb 1963.Spine: "MINUTES July 1958 to Feb 1963" in gold letteringdeaf children australia, deaf education, minutes of meeting -
Whitehorse Historical Society Inc.
Letter - Correspondence, Yarran Dheran, 17/01/1979 12:00:00 AM
... Letter from Yarran Dheran Committee of Management to Town... from Yarran Dheran Committee of Management to Town Clerk ...Letter from Yarran Dheran Committee of Management to Town Clerk, Nunawading 17/1/1979.Letter from Yarran Dheran Committee of Management to Town Clerk, Nunawading 17/1/1979 regarding walking and bicycle tracks between Schwerkolt Cottage and Yarran Dheran. With letter from Ann Creber to George Cox regarding meeting on the subject.Letter from Yarran Dheran Committee of Management to Town Clerk, Nunawading 17/1/1979.yarran dheran, parks and reserves, schwerkolt cottage, walking trails, bicycle paths -
Warrnambool and District Historical Society Inc.
Publication, Centenary Celebrations 1915-2015, 2015
... , Pat Varley, Jim & Ros Thomson, Committee of Management... Thomson, Committee of Management and staff of SEAL. 16 page ...The booklet gives an overview of the history of the schools which occupied the site as well as information from newspapers and lists of staff at various times over the years.A large number of Warrnambool students would have passed through this school and hence this program would have social and historical significance to them. 16 page booklet with white cover. Front cover has black and white photo of the school with the five logos/ badges relating to each of five schools which have occupied it over the 100 years. The back cover has the words to the Warrnambool High School song written in 1937.The centre pages have photographs of various student groups.Appreciations for SEAL Work for the Dole program, Glen Morgan, Russ Goodear, Angeleen & Marlene Fogarty, Ray Welsford, Pat Varley, Jim & Ros Thomson, Committee of Management and staff of SEAL.warrnambool agricultural high school, warrnambool high school, warrnambool technical school, warrnambool special school -
Bendigo Historical Society Inc.
Document - AMY HUXTABLE COLLECTION: INVITATION
... The President, Committee of management and the Director... EVENT Entertainment art The President, Committee of management ...The President, Committee of management and the Director of the Bendigo Art Gallery have the pleasure to invite you to a reception to celebrate the presentation by Miss Norma Young, A.M. Chairman the Amy Huxtable memorial committee of works by Ola Cohn at 7.30pm on Monday, 25th October, 1993.event, entertainment, art -
Eltham District Historical Society Inc
Minute Book, Eltham War Memorial Trust Minutes, 2 July 1957 to 12 November 1973
... on as a committee of management for another twelve months. Plans... of the Committee of Management of the Eltham War Memorial Hall and handing... on as a committee of management for another twelve months. Plans ...History of the War Memorial Following the end of the First World War, communities across Victoria and Australia typically erected memorials which were predominantly statues, cenotaphs, avenues of honour and plaques. The Shire of Eltham established the Avenue of Honour at the gateway to the shire as well as an obelisk at the corner of Main Road and Bridge street and the Shire of Eltham War Memorial Tower at Kangaroo Ground. After the Second World War communities once again desired to preserve the memories of those who served and paid the ultimate sacrifice. Resources were scarce so there was a transition away from the traditional style memorials that sprang up post 1918 to one of building facilities that would provide ongoing benefit to the community. Even before the end of the Second World War, the citizens of Eltham began to consider an appropriate form of memorial for those from the area who fought and died in the First and Second World Wars. In 1943 the Eltham Women’s Auxiliary raised funds for the construction of buildings to be established on land to be purchased for the proposed War Memorial. On March 27th, 1945, the Eltham District Progress Association called a meeting of local people who in turn set up and registered the Eltham War Memorial Trust Inc. As a focus for the purpose of the memorial, the newspaper notice read:- ‘Those who have had a member of their family in the fighting services will want to see that the form of a memorial we are concerned with is the one which will be a constant reminder to us of those who fought for us and the little ones for whom they fought and died.’ At that meeting it was decided the Memorial should take the form of a baby health centre along with a creche and children’s library. In late 1945, the newly formed Eltham War Memorial Trust purchased the land at 903-907 Main Road Eltham from Miss Shillinglaw, which once formed part of the Shillinglaw farm on Lot 90 of Holloway’s 1851 “Little Eltham” subdivision. The Governor of Victoria, General Sir Dallas Brooks, laid the foundation stone on November 24th, 1950, in memory of those who fell in the Second World War. The Eltham Infant Welfare Centre was opened November 15th, 1952, the Pre-school on December 1st, 1956, and the Children’s Library in 1961. In late 1966 the children’s library service was integrated into the Heideberg Regional Library Service and the building was officially renamed the Eltham War Memorial Hall. Following the opening of the Eltham Infant Welfare Centre, work began in 1953 planning for the entrance to the grounds, which is signaled by a wrought iron arch entitled “Eltham War Memorial” . In 1954 the Eltham War Memorial Trust decided that a legacy provided by the late Councillor Ernest James Andrew (d. 29 March 1950) in memory of his wife, Mrs. Ellen Andrew (d. 13 July 1946) and who are both buried at Eltham Cemetery, should be used to fund the construction of the entrance. A metal plate inscribed to this effect was attached to the gates. Work on the Memorial Gardens was undertaken throughout the following decade, with a Memorial Forecourt included in the final 1956 plans for the Pre-School Centre. A quote was accepted by the Trust in 1963 for the implementation of a memorial garden, which included grading of a sixty-five foot strip at the rear of the Trust buildings and construction of concrete paths. The stone retaining walls at the front of the site were installed in 1968 when Main Road was widened and it is believed that the Memorial Gates were relocated at that time also. Eltham Senior Citizens Centre In 1964, Eltham Shire Council purchased a section of land from the Trust at the northern end of the site, as a provision for Country Fire Authority buildings. At the same time the Elderly Citizens Club proposed a Senior Citizens Centre on the south western section of the Trust’s property. This was approved by the Trust with the provision that the building was constructed in ‘accord’ with those already existing. In 1965 Council took on board the plans for the Senior Citizens Centre and applied for a government grant. These could only be awarded if Council owned the site. In 1962 the Trust had resolved to hand over the assets to Council once the Memorial Gardens were completed. This was in line with Health Department requirements that grants for the ongoing operation and maintenance of the three facilities would only be made once the the facilities were completed and handed over to Council. In 1965 the Department of Health further demanded substantial alterations to the Pre-School playground as a result of the pending impact of the planned Senior Citizens Centre and Main Road duplication. As a consequence, handover of the Trust’s assets to Council was initiated with a formal ceremony held in the Children’s Library on August 28th, 1965. The Trust continued on as a committee of management for another twelve months. Plans and specifications for the Senior Citizens Centre were prepared by March 1966. Council obtained a grant from the Government which covered one third of the cost and the building was completed by April 1967. Whilst the Senior Citizens Centre is contained within the original Eltham War Memorial building precinct, it was not part of the original Memorial and was not funded by the Eltham War Memorial Trust.Minutes (unbound) of the Eltham War Memorial Trust until handover of the property to Eltham Shire Council in August 1965. Also includes notification to Council of disbanding of the Committee of Management of the Eltham War Memorial Hall and handing over responsibility of that to Council in November 1973 Various sizes up to foolscap size. Approx 54 documentseltham children's library, eltham infant welfare centre, eltham pre-school, eltham war memorial hall, eltham war memorial trust, meeting minutes, minute book, women's auxiliary -
Park Orchards Community House
Photograph, Kate Healey at the new POCH extension, Circa 1993
... Kate Healey, President of Committee of Management.... melbourne Kate Healey, President of Committee of Management. Kate ...Kate Healey, President of Committee of Management. -
Eltham District Historical Society Inc
Document, Receipt to Eltham Historical Society for hire of Eltham War Memorial Hall, 6 July 1970, 1970
... Committee of Management". Two 1c Victoria Stamp Duty stamps attached.... handwriting and stamped with "Eltham War Memorial Committee ...Receipt for hire of War Memorial Hall to hold Society meetings on March 24, April 21 and June 23 in addition for exhibition 16 April (to) 19 AprilPreprinted Eltham War Memorial Trust receipt numbered "379" from book of receipts with word 'Trust' crossed out completed in blue ink handwriting and stamped with "Eltham War Memorial Committee of Management". Two 1c Victoria Stamp Duty stamps attached.eltham war memorial hall, receipt, shire of eltham historical society, society meeting -
Phillip Island and District Historical Society Inc.
Newspaper cutting, 28/08/1968
... Island Penguin Reserve Committee for its management... Committee for its management of the reserve. Newspaper cutting ...Article from a collection of newspaper cuttings from October 1968 to July 1971Article from a Penguin lover, criticising the Phillip Island Penguin Reserve Committee for its management of the reserve.phillip island, penguins, penguin reserve, mr r b osborn, mr bert west, cr t hobbs -
Bendigo Historical Society Inc.
Book - LANSELL'S FORTUNA, 1988
... . Compiled and produced for the Committee of Management Fortuna... photos. Compiled and produced for the Committee of Management ...36 page soft cover booklet entitled 'Lansell's Fortuna' being a history of Fortuna Villa with B&W and colour photos. Compiled and produced for the Committee of Management Fortuna Historical Tours and Restoration Fund by Dennis McCarthy Sept 1988. Printed by the Army Survey RegimentDennis McCarthy -
Ringwood and District Historical Society
Document, Ringwood Bowls Club- Management Restructure Subcommittee. Report to Committee of Management, April 1995
... . Report to Committee of Management, April 1995....Documents included in folder: Report to Committee...: Report to Committee of Management dated April 1995 Minutes ...Manila folder containing set of related documents.Documents included in folder: Report to Committee of Management dated April 1995 Minutes of meetings of the Management Restructure Subcommittee. Copy of the Bundoora Bowling Club Inc- Statement of Purposes and Rules, Issued May 1993. -
Anglesea and District Historical Society
Permit
... Committee of Management / Anglesea Marine and River... & recreation reserves j. murch camping Committee of Management ...Stamped - initialled receipt being for camping fees for 52 weeks to 31/12/1959. 15 pounds received from Mrs. J. Murch on 12/3/1959.Committee of Management / Anglesea Marine and River Frontages and / Recreation Reserve / No 4990 - 12/3/1959 - Mrs J.Murch. 15 pounds to occupy a camp to 31/12/1959. Signed J. Ken Hughes / Ranger.anglesea marine & river frontages & recreation reserves, j. murch, camping -
Glenelg Shire Council Cultural Collection
Administrative record - Administrative record - Renewal receipt no 49913 fire insurance policy no. 166241, from National Fire and Marine Insurance Company of New Zealand Limited, Portland Agency, 14/11/1921
... Limited, Portland Agency, to Committee of Management of Portland... Company of New Zealand Limited, Portland Agency, to Committee ...Renewal receipt no 49913 fire insurance policy no. 166241, from National Fire and Marine Insurance Company of New Zealand Limited, Portland Agency, to Committee of Management of Portland Free Public Library and Museum and Literary Institute (Inc.) for period 24 Nov 1921 to 24 Nov 1922Front: 'Mr. WP Anderson' '1925 - black ink, top right -
Bendigo Historical Society Inc.
Document - Invitation to a Presentation of Works by Ola Cohn from the Bendigo Art Gallery on behalf of the Amy Huxtable Memorial Committee, 25 Oct 1993
... the President, Committee of Management and the Director of the Bendigo... from the President, Committee of Management and the Director ...Amy Huxtable was born at Cheltenham in 1918, to Robert Henry Huxtable and Violet a Dagg. Her father was an installer for an oil company and travelled the State. taking his family with him. She completed her education at the Bendigo High School and later attended the Bendigo Business College, becoming an expert shorthand writer. Her first position was as a copy writer with Radio 3BO, in the mid 1930s. She worked with an advertising agency in Melbourne and then with the Age,newspaper. In 1953, Miss Huxtable was appointed temporarily to succeed Miss E B Millane as social editress of the Bendigo Advertiser, during the latter's absence abroad. In 1956, Amy travelled abroad and on her return in 1957 was appointed permanently as Women's editor, a position she held for twenty-three ears. During her early years with The Advertiser she wrote under the name Toora, but in later years her own name became widely known. Miss Huxtable was well known both in her professional capacity and through a interest and involvement in community activites. She was life governor of the Bendigo Hospital, the Bendigo Home for the Aged, and Mirridong Home for the Blind, she was a member of Soroptimist International and the Business and Professional Women's Club. Amy was also a tireless worker for the spastic society and a strong supporter of the YWCA. When Amy Huxtable died at Mt AJvernia Hospital on 16 January 1980 Mayor Campbell ordered the city flag to be flown at half-mast. "Lowering the flag is the least we can do for such a lady" Cr Campbell said. Douglas Lockwood, editor of the Bendigo Advertiser said, "She was a devot d colleague who gave her craft and her newspaper the kind of service which identified a rare and generous spirit." She was a true professional who decided to make Bendigo her home. More than 300 people packed St Paul's Church for her funeral ervice the bell tolled as the casket was carried from the church. At a ceremony in the Conservatory Gardens on No ember 22 1981 The Amy Huxtable Memorial Committee presented to the City of Bendigo, a garden seat in memory of the late Miss Huxtable. This Bendigo manufactured seat was a fitting tribute to one ofBendigo's most loved and esteemed citizens. All Miss Huxtable's Advertiser articles were microfilmed and presented to the Library by the above committee. Invitation to a Presentation of Works by Ola Cohn from the President, Committee of Management and the Director of the Bendigo Art Gallery and the Amy Huxtable Memorial Committee. Two copies of a printed formal invitation to a reception to celebrate the presentation by Miss Norma Young A.M., Chairman of the Committee at 7.30 pm at the Bendigo Art Gallery.history, amy huxtable, bendigo, ola cohn, norma young bendigo, bendigo art gallery -
University of Melbourne, Burnley Campus Archives
Newspaper - Newspaper Cutting, The Leader, Horticultural Notes, 1890
... committee of management... by the committee to the Government to take over the society's property... of horticulture committee of management Copy of article in "The Leader ...Copy of article in "The Leader" (Melbourne) 1 November, 1890 p15. Description of a special meeting of the Royal Horticultural Society of Victoria to submit proposals made by the committee to the Government to take over the society's property and administer it. The Government to pay all liabilities and establish a Government School of Horticulture. Composition of committee of management.the leader, rhsv, royal horticultural society of victoria, horticultural college, government acquisition, government funding, school of horticulture, committee of management -
Orbost & District Historical Society
book, 1939
... Orbost-Hospital report-Orbost-Hospital-Committee-of...The Committee of Management held monthly meetings...A small book - 9th annual report of the Management... gippsland The Committee of Management held monthly meetings ...The Committee of Management held monthly meetings and "the members were conscientious in their attendance". 1938/1939 were busy years for the Orbost Hospital as there was a serious outbreak of poliomyelitis and some cases had to be sent on to Sale. There was also pressure from Dr Nettleton to begin a garbage collection in the town to clean up the town As the polio epidemic abated, diptheria took over and Dr Nettleton urged the shire to fund a further free immunisation campaign. In February, 1939t here were major bush fires in the district and the fire came within 300 yards of the Orbost Hospital. (info. from Orbost Hospital History, Personalities and Stories by Margaret Hollands)The Orbost Hospital was completed by the end of October 1929 after more than twenty years of agitation and preparation. Orbost is an isolated town and the importance of the medical service in the community is immense. This report is a reminder of its early history.A small book - 9th annual report of the Management Committee of Orbost & District Hospital, incorporated 1930. In black print inside rectangular border is title plus "For the Year Ended 30th June, 1939."orbost-hospital report-orbost-hospital-committee-of-management -
The Royal Children's Hospital Archives
Decorative object, Silver jug presented to Lady Latham, 1954
... Committee of Management, from 1933 to 1954.... was President, Children's hospital Committee of Management, from 1933 ...Lady Ella Latham was President, Children's hospital Committee of Management, from 1933 to 1954.Silver jug with lid and handle, engraving on side.Presented To Lady Latham, C.B.E By The Senior Medical Staff, Royal Children's Hospital, In Gratitude And Appreciation, 27th May 1954 -
Melton City Libraries
Photograph, Willow restoration committee members, 1974
... Edna Barrie was a member of the Committee of Management... Edna Barrie was a member of the Committee of Management ...Edna Barrie was a member of the Committee of Management for the restoration of the “Willows” house, and the establishment of The Willows Park Committee members: Bill, Ida, Lorraine, Jeff, Mabel and Ray local architecture, local special interest groups, local identities, council -
Glenelg Shire Council Cultural Collection
Administrative record - Administrative record - Renewal receipt no. 45809, fire insurance policy no. 155892 from National Fire and Marine Insurance Company of New Zealand Limited, Portland Agency, 02/06/1921
... Limited, Portland Agency, to Committee of Management of Portland..., Portland Agency, to Committee of Management of Portland Free Public ...Renewal receipt no. 45809, fire insurance policy no. 155892 from National Fire and Marine Insurance Company of New Zealand Limited, Portland Agency, to Committee of Management of Portland Free Public Library for period 8 June 1921 to 8 June 1922. White, printed form, details in purple typeFront: '1856' black ink, top right. 'Piano Insurance' - pencil, top right -
Glenelg Shire Council Cultural Collection
Administrative record - Administrative record - Receipt fire insurance policy no. 155892, from National Fire and Marine Insurance Company of New Zealand Limited, Portland Agency, 22/05/1919
... Limited, Portland Agency, to Committee of Management of Portland... Zealand Limited, Portland Agency, to Committee of Management ...Renewal receipt no. 28151 fire insurance policy no. 155892, from National Fire and Marine Insurance Company of New Zealand Limited, Portland Agency, to Committee of Management of Portland Free Public Library, for period 8 June 1919 to 8 June 1920. White printed form, details in purple typeFront: '1666' - black ink top right -
Bendigo Historical Society Inc.
Document - HARRY BIGGS COLLECTION: BENDIGO BENEVOLENT ASYLUM, 1. 188
... of the committee of management of the Bendigo Benevolent Asylum.... of the committee of management of the Bendigo Benevolent Asylum. Document ...Document. Harry Biggs Collection. 1. An official form from J. S. McIlroy, Superintendent of Bendigo Benevolent Asylum (Incorporated) Sandhurst. It is informing clients that their account has been passed by the committee & will be payable at the office. 2. A printed pink slip with the names & attendances of the committee of management of the Bendigo Benevolent Asylum.organization, government, health, harry biggs collection, bendigo benevolent asylum -
Port Melbourne Historical & Preservation Society
Administrative record - Minutes, Port 'n' South Living and Learning Centre, Committee of Management meeting, January 1998, Ann Gibson, Jan 1998
... , Committee of Management meeting, January 1998...Kept by a member of the management committee in the 1990s...: Minutes of the final meeting of the management committee January... by a member of the management committee in the 1990s societies clubs ...Kept by a member of the management committee in the 1990s (Archive Box) From file folder containing items pertaining to the 1998 closure of the Port 'n' South Living and Learning Centre at the Ross Street Baptist Church buildings: Minutes of the final meeting of the management committee January 1998societies clubs unions and other organisations, education - adult, religion - baptist church, julie allen, port 'n' south living and learning centre, anne callaghan, ann gibson, wendy morris, alec babos, sister norma jean barnett, pat grainger, beatrice (betty) goddard, adele davis -
Whitehorse Historical Society Inc.
Badge, 1980s
... serving of Committee of Management of Yarran Dheran Reserve..., while serving of Committee of Management of Yarran Dheran ...Used by President of N.H.S. , Valda Arrowsmith, while serving of Committee of Management of Yarran Dheran ReserveGold coloured oblong badge with 'Valda Arrowsmith/Yarran Dheran' printed in black.numismatics, badges -
Ambulance Victoria Museum
Photograph, framed, North East Victoria District Ambulance Service, Committee of Management, 19 February 1985
... Service, Committee of Management...North East Victoria District Ambulance Service, Committee..., Committee of Management ...North East Victoria District Ambulance Service, Committee of Management. All board members named on photograph.Colour photograph with cream matting in brown frame. One woman and 14 men in two rows - one row of five sitting.PHOTOGRAPHED ON 19 FEBRUARY 1985 -
Ringwood and District Historical Society
Administrative record - Borough Of Ringwood 4th December 1946, 11th December 1946, Report to the Mayor Cr. J.K. McCaskill J.P
... A report to the Mayor stating it was decided a Committee... it was decided a Committee of Management be appointed to manage the East ...A report to the Mayor stating it was decided a Committee of Management be appointed to manage the East Ringwood Reserve. Mr T Hall and Mr Reddish (Representative of the Cricket Club) Mr Howship and Mr Birch (Representatives of the Tennis Club) Mr. Wamsley and Mr R Gues (Representatives of the Progress Association Mr Benson (Representative of the Football Club) -
Glenelg Shire Council Cultural Collection
Administrative record - Administrative record - Renewal receipt no 54968 fire insurance policy no. 155892 from National Fire and Marine Insurance Company of New Zealand Limited, 29/05/1922
... Limited, Portland Agency, to Committee of Management of Portland..., Portland Agency, to Committee of Management of Portland Free Public ...Renewal receipt no 54968 fire insurance policy no. 155892 from National Fire and Marine Insurance Company of New Zealand Limited, Portland Agency, to Committee of Management of Portland Free Public Library, for period 8 June 1922 to 8 June 1923. White printed form, details hand written in black inkFront: 'W.P. Anderson' & '1979' in black ink, top right Back: 'extra form' in pencil -
Whitehorse Historical Society Inc.
Letter - Correspondence, Christening robe - Cleaver, 8/08/1985 12:00:00 AM
... Schwerkolt Cottage Committee of Management.... and Schwerkolt Cottage Committee of Management about a christening robe... Schwerkolt Cottage Committee of Management. Correspondence between ...Correspondence between Alice Cleaver, Council and Schwerkolt Cottage Committee of Management.Correspondence between Alice Cleaver, Council and Schwerkolt Cottage Committee of Management about a christening robe she saw in the museum which she thought could belong to her late husband. She had loaned the robe to a relative who had not returned it and wondered if it had been donated and by whom. No record of the resolution here.Correspondence between Alice Cleaver, Council and Schwerkolt Cottage Committee of Management.cleaver, alice, schwerkolt cottage & museum complex, schwerkolt cottage committee of management. -
Glenelg Shire Council Cultural Collection
Administrative record - Renewal Receipt - Fire Insurance, Portland Free Library, 24/05/1917
... Limited, Portland Agency, to Committee of Management of Portland..., to Committee of Management of Portland Free Public Library and Museum ...Front: '1456' - red ink top rightportland free library, insurance