RP93-395 Liability Insurance and the Family Child Care Provider

Life other small business owners, family child care providers need adequate life, health, and disability insurance to protect their families from the loss of their income. However, child care providers also face unique risks. Perhaps the most important of these risks is the financial loss that would result if the provider were found liable or responsible for the injury or death of a child or a child's parent. If a claim were filed against you as a provider, three different types of financial losses are possible: medical expenses, damages awarded to the victim or his/her family after a lawsuit, and court costs related to your defense. This booklet will help you to: (1) evaluate options for insuring a family child care operation, and (2) evaluate available liability insurance policies.

Optical Communication Networks for the Next-Generation Internet

Computer and telecommunication networks are changing the world dramatically and will continue to do so in the foreseeable future. The Internet, primarily based on packet switches, provides very flexible data services such as e-mail and access to the World Wide Web. The Internet is a variable-delay, variable- bandwidth network that provides no guarantee on quality of service (QoS) in its initial phase. New services are being added to the pure data delivery framework of yesterday. Such high demands on capacity could lead to a “bandwidth crunch” at the core wide-area network, resulting in degradation of service quality. Fortunately, technological innovations have emerged which can provide relief to the end user to overcome the Internet’s well-known delay and bandwidth limitations. At the physical layer, a major overhaul of existing networks has been envisaged from electronic media (e.g., twisted pair and cable) to optical fibers - in wide-area, metropolitan-area, and even local-area settings. In order to exploit the immense bandwidth potential of optical fiber, interesting multiplexing techniques have been developed over the years.