The study explains that many insurance carriers are establishing direct sales departments, but that independent agents are increasing their share of revenue by the year. In 2013, Medigap independent agent revenue was at 59%; in 2014 65%, and 67% in 2015.
The oud is a pear-shaped, stringed instrument similar to a lute used in traditional Middle Eastern music and East African music. The words lute and oud are both derived from Arabic Ø§ÙØ¹ÙØ¯ (al-Ê¿Å«d, literally the wood).he oud is a pear-shaped, stringed instrument similar to a lute used in traditional Middle Eastern music and East African music. The words lute and oud are both derived from Arabic Ø§ÙØ¹ÙØ¯ (al-Ê¿Å«d, literally the wood).
Improvised Explosive Device (IED) Improvised Explosive Device (1975) Improvised Explosive Device (IED) Improvised Explosive Device (1975) The Improvised Explosive Device has proven the weapon of choice for rebel groups in Iraq and Afghanistan. Improvised Explosive Devices (IED) are in-the-field detonating devices designed to specifically injure, harass or kill individuals or groups of people. IEDs have long since been an accepted part of guerilla-style warfare where conventional warfare exceeds the capabilities of rebel-style groups.