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).
OrCAD is a proprietary software tool suite used primarily for electronic design automation (EDA). The software is used mainly by electronic design engineers and electronic technicians to create electronic schematics and electronic prints for manufacturing printed circuit boards.ounded in 1985 by John Durbetaki, Ken and Keith Seymour as âOrCAD Systems Corporationâ in Hillsboro, Oregon, the company became a supplier of desktop electronic design automation (EDA) software. In 1984 Durbetaki began designing an expansion chassis for the IBM PC.