Cataracts are cloudy areas that develop within the eye lens. A healthy lens is clear like a camera's, and light has no problem passing through it to the retina at the back where images are processed. When you have a cataract, the light can't get through as easily and, as a result, you can't see as well. Cataracts often form slowly, and they don't cause symptoms like pain, redness, or tearing in the eye. Some stay small and don't affect your eyesight.
A composite flight plan is actually two flight plans-one VFR and one IFR. What makes it composite is that you will transition from one to the other at some specified point during your flight.
Safe Harbor 401(k) Plan. Maintaining a 401(k) plan may at times be extremely burdensome on a small business owner, especially when performing annual testing to ensure compliance with current IRS regulations. To reduce or eliminate these testing requirements, a plan sponsor may consider adopting a Safe Harbor 401(k) plan. If certain conditions are met, this type of plan does not require the Actual Deferral Percentage, or ADP, and the Actual Contribution Percentage, or ACP, tests to be performed.