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Majorica imitation pearls are man-made on solid balls, likely made of glass, that are coated with a proprietary coating that is made in part from fish scales. [1] The coated nuclei are then dried and polished, and then dipped in a chemical (possibly cellulose acetate and cellulose nitrate) to harden the surface and guard against discoloration, chipping, and peeling.
21. Patagonia. Outdoor gear-maker Patagonia calls its lifetime warranty an “Ironclad Guarantee.” If you buy Patagonia apparel and gear for climbing, skiing, snowboarding, surfing, fly fishing ...
State laws require that all licensed property and casualty insurance companies belong to the guaranty funds in every state where the companies are licensed to do business. A guaranty fund system also exists for the life, health, and annuity insurance industries, but operates independently from the property and casualty system.
A state guaranty association is not a government agency, but states usually require insurance companies to belong to it as a condition of being licensed to do business. The guaranty associations of the fifty states are members of a national umbrella association, the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA).
Participatory Guarantee Systems (PGS), as defined by IFOAM, are "locally focused quality assurance systems.They certify producers based on active participation of stakeholders and are built on a foundation of trust, social networks and knowledge exchange."
The company was founded in 1857 as The Pearl Loan Company and operated from the Royal Oak public house opposite the Whitechapel Bell Foundry. [2] It changed its name to The Pearl Assurance Company in 1914, [ 2 ] when it moved to 252 High Holborn where it was based until moving its head office to Peterborough in 1989.
Pearl importers in consumer countries, and the trade associations they constitute, have recommended limiting the use of the term keshi to ocean pearls, and banning its use for freshwater pearls. This is justified to some extent by the fact that ocean pearl keshi were known as a product for some years before their freshwater counterparts.
Each state guaranty association is governed by state law; most associations cover up to at least $300,000 for life insurance death benefits, $100,000 in cash surrender value for life insurance, $250,000 in withdrawal and cash values for annuities, and up to $500,000 in health insurance policy benefits (depending on the type of health insurance ...