A Healthcare Reimbursement Plan (HRP) is an employer-funded, tax advantaged employer health benefit plan that can reimburse employees for individual health insurance premiums. An HRP is not considered health insurance. Rather, it is a way to provide allowances for individual health insurance. Using the HRP, the employer makes contributions to an employee's allowance. Then, the HRP provides reimbursement for eligible healthcare expenses.
Crystal Opal - Crystal opal is any of the above kind of opal which has a transparent or semi-transparent body tone - i.e. you can see through the stone. Crystal opal can have a dark or light body tone, leading to the terms black crystal opal and white crystal opal.
Not all ionic crystals are brittle. Alkali halide crystals (such as NaCl), which are made from singly charged ions, are not particularly brittle, although they are usually easy to cleave. Crystals made from doubly charged ions (such as MgO) are usually brittle, because they have much stronger Coulomb forces between the ions. Brittle crystals are ones in which it is difficult to create and move dislocation lines. See: Dislocation creep - Wikipedia.