310-400 exam Dumps Source : Sun Certified Integrator for Indentity Manager 7.1
Test Code : 310-400
Test denomination : Sun Certified Integrator for Indentity Manager 7.1
Vendor denomination : SUN
: 56 real Questions
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Sunny days are coming ahead. chances are, you might subsist going to need to bask in the out of doors solar. That additionally capability being more conscious over your sunscreen. whereas subsist confident to subsist using sunscreen daily, using an excellent SPF within the sunnier months is essential for shielding your commonplace health.
based on the epidermis cancer foundation, there were over 5.four million nonmelanoma instances of dermis melanoma in over 3.3 million americans final 12 months. Worse, or not it's essentially the most mediocre nature of epidermis cancers (with 1 in 5 americans establishing the disorder, annually) it's totally preventable. The solar in all its goodness, is besides extremely dangerous. in any case, emits UVA and UVB rays, some thing that can not best intuition skin cancer, however solar spots, wrinkles, leathery epidermis and more.
"Ultraviolet radiation ends up in DNA Hurt of epidermis cells and reactive oxygen species that as a result increases the possibility of skin cancers," says Dr. Y. Claire Chang, a board-certified cosmetic dermatologist at Union square Laser Dermatology in NYC. Dr. Chang explains that wrinkles and satisfactory traces are brought about by means of your own collagen being damaged down via the sun's publicity.
So what should you examine for? Dr. Chang recommends going for a sunscreen with an SPF stage of 30 or extra. SPF stands for sun insurance procedure aspect and refers to the volume of insurance policy it provides in opposition t one nature of ultraviolet radiation. "SPF 30 should still Take 30 times longer to singe than devoid of sunscreen," she explains. "Sunscreen should subsist Part of your each day skincare pursuits and reapplied every 2-3 hours."
under, they round out the 10 most suitable sunscreens you'll want to follow, now.
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Neutrogena Sheer Zinc Dry-contact Sunscreen with wide Spectrum SPF 50
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Neutrogena extremely Sheer Dry-contact Sunscreen extensive Spectrum SPF one hundred+Neutrogena amazon.com
when you are really seeking to retain your epidermis blanketed in any respect prices, this SPF from Neutrogena may besides apportion you at ease. With a formulation that incorporates an SPF one hundred, it's going to subsist fancy an umbrella on your dermis.
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La Roche-Posay Anthelios ultra-gentle Mineral Sunscreen SPF 50La Roche-Posay amazon.com
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EltaMD UV lucid wide Spectrum SPF46 SunscreenEltaMD dermstore.com
"EltaMD UV lucid is a mineral sunscreen that consists of antioxidants and hyaluronic acid to tranquil and hydrate the dermis," Dr. Chang says. "It is very lightweight and silky to touch, devoid of being clogging to the pores."
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Supergoop! widespread Sunscreen wide Spectrum SPF 50Supergoop! sephora.com
"Supergoop! universal Sunscreen huge Spectrum SPF 50 is a light-weight sunscreen that doesn't proceed away the residue that can subsist present in other sunscreens," Dr. Chang says. Goes on so smoothly so you might add it with out the worry of the manner pilling all over the day.
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Neutrogena Hydro extend Water Gel vast Spectrum SPF 50 SunscreenNeutrogena amazon.com
The manufacturer's Hydro boost line, soaked with hyaluronic acid, is so quenching, it can trek for your fresh favorite moisturizer. This SPF is so hydrating, you are going to locate your dermis bouncing with moisture all the passage through the day.most excellent TINTED SUNSCREEN FOR men
Peter Thomas Roth Max Mineral naked great Spectrum SPF forty five LotionPeter Thomas Roth ulta.com
This all-mineral lightweight components from Peter Thomas Roth has Zinc Oxide and Titanium Dioxide for max insurance. It besides has a tint with a gleaming dose of diamond powder that allows you to depart you with a natural glow.optimal NON-GREASY SUNSCREEN FOR guys
Krave grace The Beet shield SunscreenKrave beauty kravebeauty.com
sure, or not it's viable to invent exhaust of a sunscreen that does not depart any greasy zeal for your skin. This one from Krave beauty soaks into your epidermis with so a lot ease, you are going to sensation if you utilized the ease at all.most trustworthy SPRAY ON SUNSCREEN FOR men
Soleil Toujours organic Set + protect Micro Mist Spray SPF 30Soleil Toujours amazon.com
if you're slothful and the act of mixing a sunscreen to your pan just is rarely appealing, panic no longer—use a spray. This one, from Soleil Toujours, is available in a micro spritz it's so easy that you simply best should spray it twice, set it, and forget it. There are more imperative issues to do—like really enjoying the outdoors.David Yi David Yi is the founder and editor of Very respectable mild, a men’s grace ebook all about redefining masculinity.
Bye Aerospace’s electric powered solar Flyer 2 correctly achieved the primary trustworthy flight examine at various with a Siemens electric propulsion motor February 8 at Centennial Airport, south of Denver, CO.
The solar Flyer family unit of aircraft, together with the two-seat sun Flyer 2 and the four-seat solar Flyer 4, aims to subsist the first FAA-licensed, purposeful, all-electric airplanes to serve the flight practicing and regularly occurring aviation markets. Siemens will deliver electric powered propulsion methods for the sun Flyer 2 aircraft—the fifty seven lb.-SP70D motor with a 90kW peak rating (one hundred twenty HP), and a continuous vitality surroundings of as much as 70kW (94 HP).
solar Flyer brings the entire swear of electric propulsion to the market with secure, useful and respectable electric plane. The all-electric powered operation requires no aviation gasoline and outcomes in zero emissions and vastly reduce din pollution compared to ordinary aircraft. The graceful solar Flyer design besides facets improved quicken and altitude performance with extraordinarily low operating prices.
George E. Bye, CEO of Bye Aerospace, the developer of the sun Flyer, talked about the prefatory flight with the Siemens motor went flawlessly. “The aircraft carried out exactly as deliberate,” he mentioned. “My due to the total Siemens crew for his or her participation as they enter this next, vital flight examine facet of solar Flyer 2 with the Siemens electric powered propulsion system.”
solar Flyer 2’s program utility to the FAA was authorized beneath far 23 certification criteria within the spring of 2018. The solar Flyer 2 prototype will conduct extensive further flight check activities in 2019 and continue to drudgery intently with FAA representatives on certification actions. existing flight verify headquarters of attention areas are propulsion gadget, envelope growth and systems optimization.
“This a hit test flight is a disdainful instant for the Siemens and Bye Aerospace teams and marks a milestone in bringing the age of electric powered flight to existence,” illustrious Dr. open Anton, govt vice chairman and Head of eAircraft, Siemens. “The Siemens electric propulsion paraphernalia presents a clean, low cost and reticent propulsion election to the flight training market devoid of compromising performance or defense.”
Globally, Siemens eAircraft know-how is helping lead the aviation trade in electrification and hybrid propulsion, gadget integration, provider and situation-primarily based monitoring. The enterprise has up to now geared up European easy and sport plane with electric powered propulsion systems as much as 260kW for examine at various applications and is additionally setting up propulsion expertise in vigour classes as much as 10MW to allow electrification of aircraft in the commerce air transport sector. Siemens electric powered motor technology has powered aircrafts to set two pace statistics, obtain the area’s first aero tow by an electric plane, and set a brand fresh world climb checklist with an altitude of three,000 meters in 4 minutes and 22 seconds.
(photographs offered with Bye Aerospace word unlock)FMI: www.ByeAerospace.com, www.siemens.com
NEW BERLIN — college students at sun enviornment Technical Institute train the faculty in fresh Berlin offers them wonderful opportunities.
sun district Technical Institute held an open condominium Friday to sing their own praises their classes and the expertise and tools that students exhaust all through the faculty year. The event coincided with February being profession and Technical schooling Month.
wonderful opportunities encompass fitting licensed in drone expertise fancy Scott Dauberman, 17, a senior from Mifflinburg area. As a Part of the digital know-how category, Dauberman is considered one of three students who passed certification to date for the drone pilot licenses. here's the primary 12 months for that opportunity. 4 extra college students are taking the check subsequent week.
"It permits us to flit unmanned aerial motors with a commerce license, which will flit drones for organizations," Dauberman referred to. "It gives us anything to apportion on their resumes. They finish not accumulate many alternatives fancy this in ordinary immoderate school settings."
Plus, he referred to, "it's pretty cool."
"In modern-day world, drones are an up-and-coming component," mentioned teacher Leonard Schwartz. "Engineering enterprises exhaust them for inspections, bridge inspection, roof inspections. The situation uses them for lighting fixtures pole inspections."
sun Tech offers 18 classes, together with advanced precision machining, auto technology, carpentry, cosmetology, crook justice and health professions, among others.
Jason Baker, 17, a junior from Lewisburg enviornment, stated he learned a passage to exhaust a CNC mill that used CAD utility to design tools or different items out of metallic or wax.
"this could aid me out with a manufacturing job, knowing a passage to exhaust this," referred to Baker. "It gives us a head beginning."
Dirk Metzer, a researching assist teacher, talked about the college prepares students for the personnel privilege out of immoderate college or for larger schooling.
"It gives these students one more choice," he pointed out. "college is not for every person. It gets them ready to exit work, however doesn't rule out faculty."
solar Tech, discovered in fresh Berlin, serves college students in Lewisburg, Midd-West, Mifflinburg, Selinsgrove, and Shikellamy college districts. muster the school at 570-966-1031 for greater assistance.
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(EDGAR Online via COMTEX) -- detail 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF fiscal CONDITION AND RESULTS OF OPERATIONS
As used herein, the terms Equifax, the Company, we, their and us refer to Equifax Inc., a Georgia corporation, and its consolidated subsidiaries as a combined entity, except where it is lucid that the terms stand for only Equifax Inc.
All references to earnings per participate data in Management's Discussion and Analysis, or MD&A, are to diluted earnings per share, or EPS, unless otherwise noted. Diluted EPS is calculated to reflect the potential dilution that would occur if stock options or other contracts to issue common stock were exercised and resulted in additional common shares outstanding.
Equifax Inc. is a global data, analytics and technology company. They provide information solutions and human resources commerce process outsourcing services for businesses, governments and consumers. They endure a great and diversified group of clients, including fiscal institutions, corporations, governments and individuals. Their services are based on comprehensive databases of consumer and commerce information derived from numerous sources including credit, fiscal assets, telecommunications and utility payments, employment, income, demographic and marketing data. They exhaust advanced statistical techniques, machine learning and proprietary software tools to resolve available data to create customized insights, decision-making solutions and processing services for their clients. They besides provide information, technology and services to support debt collections and recovery management. Additionally, they are a leading provider of payroll-related and human resource management commerce process outsourcing services in the United States of America, or U.S. For consumers, they provide products and services to back people understand, manage and protect their personal information and invent more informed fiscal decisions.
We currently operate in four global regions: North America (U.S. and Canada), Asia Pacific (Australia, fresh Zealand and India), Europe (the United Kingdom, or U.K., Spain and Portugal) and Latin America (Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru and Uruguay). They maintain support operations in the Republic of Ireland, Chile, Costa Rica and India. They besides tender Equifax branded credit services in Russia and India through joint ventures, endure investments in consumer and/or commercial credit information companies through joint ventures in Cambodia, Malaysia, Singapore and the United Arab Emirates, and endure an investment in a consumer and commercial credit information company in Brazil.
2017 Cybersecurity Incident
In 2017, they experienced a cybersecurity incident following a criminal storm on their systems that involved the theft of unavoidable personally identifiable information of U.S., Canadian and U.K. consumers. Criminals exploited a software vulnerability in a U.S. website application to gain unauthorized access to their network. In March 2017, the U.S. Department of Homeland Security distributed a notice concerning the software vulnerability. They undertook efforts to identify and remediate vulnerable systems; however, the vulnerability in the website application that was exploited was not identified by their security processes. They discovered unusual network activity in late-July 2017 and upon discovery promptly investigated the activity. Once the activity was identified as potential unauthorized access, they acted to cease the intrusion and engaged a leading, independent cybersecurity firm to conduct a forensic investigation to determine the scope of the unauthorized access, including the specific information impacted. Based on their forensic investigation, the unauthorized access occurred from mid-May 2017 through July 2017. No evidence was establish that the Company's core consumer, employment and income, or commercial reporting databases were accessed. They continue to cooperate with law enforcement in connection with the criminal investigation into the actors amenable for the 2017 cybersecurity incident.
As a result of the 2017 cybersecurity incident, they are party to numerous lawsuits and governmental investigations. see "Item 1A. Risk Factors" and "Item
Product Liability. As a result of the 2017 cybersecurity incident, they offered TrustedID(R) Premier, a credit file monitoring and identity theft protection product, for free to all eligible U.S. consumers who signed up through January 31, 2018. They besides provided free credit reports and scores, credit monitoring and identity theft protection for twenty four months to impacted consumers in Canada and the U.K. They endure recorded the expenses necessary to provide this service to those who signed up. Through December 31, 2017, they recorded $50.7 million of product costs in selling, common and administrative expenses in the accompanying Consolidated Statements of Income. In 2018, the Company extended the free credit monitoring services for an additional twelve months for eligible consumers impacted by the 2017 cybersecurity incident by providing them the break to enroll in Experian(R) IDNotify(TM) at no cost. They recorded $20.4 million related to these services in selling,
general, and administrative expenses in the accompanying Consolidated Statements of Income for the twelve months ended December 31, 2018.
Litigation, Claims and Government Investigations. As a result of the 2017 cybersecurity incident, they are theme to a significant number of proceedings and investigations as described in Part I, "Item 3. Legal Proceedings" in this figure 10-K. While they believe it is reasonably workable that they will incur losses associated with such proceedings and investigations, it is not workable at this time to rate the amount of loss or ambit of workable loss that might result from adverse judgments, settlements, penalties or other resolution of the proceedings and investigations described in "Item 3. Legal Proceedings" based on the various stages of these proceedings and investigations, that alleged damages endure not been specified or are uncertain, the suspicion as to the certification of a class or classes and the size of any certified class, as applicable, and the want of resolution on significant factual and legal issues. The Company will continue to evaluate information as it becomes known and will record an rate for losses at the time or times when it is both probable that a loss has been incurred and the amount of the loss is reasonably estimable. The Company believes that the ultimate amount paid on these actions, claims and investigations could subsist material to the Company's consolidated fiscal condition, results of operations, or cash flows in future periods.
Future Costs. They are currently executing substantial initiatives in security and consumer support, and a company-wide transformation of their technology infrastructure, which they refer to as their technology transformation, and incurred substantial increased expenses and capital expenditures in 2018 related to these initiatives. They hope to again incur significant expenses and capital expenditures in 2019 and 2020 related to these initiatives, although at levels slightly below those incurred in 2018.
We incurred significant legal and professional services expenses related to the lawsuits, claims and government investigations to which they are a party in 2018, and hope to continue to incur these expenses until these items are resolved. They will recognize the expenses and capital expenditures referenced herein as they are incurred. In 2018, they incurred elevated costs for insurance, finance and compliance activities, and hope to incur costs at these levels again in 2019.
Insurance Coverage. At the time of the 2017 cybersecurity incident, they had $125.0 million of cybersecurity insurance coverage, above a $7.5 million deductible, to confine their exposure to losses such as those related to this incident. During the twelve months ended December 31, 2018 and 2017, the Company recorded insurance recoveries of $75.0 million and $50.0 million, respectively, and received payments of $110.0 million and $15.0 million, respectively, for reimbursable costs incurred to date. Since the announcement of the 2017 cybersecurity incident in September 2017, they endure received the maximum reimbursement under the insurance policy of $125.0 million.
Segment and Geographic Information
Segments. The USIS segment, the largest of their four segments, consists of three service lines: Online Information Solutions; Mortgage Solutions; and fiscal Marketing Services. Online Information Solutions and Mortgage Solutions revenue is principally transaction-based and is derived from their sales of products such as consumer and commercial credit reporting and scoring, identity management, fraud detection and modeling services. USIS besides markets unavoidable decisioning software services, which facilitate and automate a variety of consumer and commercial credit-oriented decisions. fiscal Marketing Services revenue is principally project and subscription based and is derived from their sales of batch credit and consumer wealth information such as those that assist clients in acquiring fresh customers, cross selling to existing customers and managing portfolio risk.
The International segment consists of Asia Pacific, Europe, Latin America and Canada. Canada's services are similar to their USIS offerings. Asia Pacific, Europe and Latin America are made up of varying mixes of service lines that are generally in their USIS reportable segment. They besides provide information and technology services to support lenders and other creditors in the collections and recovery management process.
The Workforce Solutions segment consists of the Verification Services and Employer Services commerce lines. Verification Services revenue is transaction-based and is derived primarily from employment and income verification. Employer Services revenues are derived from their provision of unavoidable human resources commerce process outsourcing services that include both transaction and subscription based product offerings. These services include unemployment claims management, employment-based tax credit services and other complementary employment-based transaction services.
Global Consumer Solutions revenue is both transaction and subscription based and is derived from the sale of credit monitoring and identity theft protection products, which they deliver electronically to consumers primarily via the internet in the U.S., Canada, and the U.K. They besides sell consumer and credit information to resellers who combine their information with other information to provide direct-to-consumer monitoring, reports and scores. Due to the 2017 cybersecurity incident they ceased
advertising their consumer commerce in the U.S. in September 2017. They resumed advertising their U.S. paid products in the fourth quarter of 2018.
As Part of their response to the 2017 cybersecurity incident, they made their TrustedID(R) Premier service, an identity theft protection and credit file monitoring product, available for free to all U.S. consumers for twelve months for those who signed up by January 31, 2018. In late 2018, the Company extended the free credit file monitoring services for impacted consumers in the U.S. using the free TrustedID Premier(R) service by providing them the break to enroll in Experian(R) IDNotify(TM) at no cost for an additional twelve months. Similarly, for impacted consumers in Canada and the U.K., they provided free credit reports and scores, credit monitoring and identity theft protection for twenty four months. As Part of their commitment to providing long-term resources and protections for consumers, in January 2018, the Company introduced Lock & Alert(TM), a mobile application enabled service that allows U.S. consumers to quickly lock and unlock their Equifax credit report for free, for life.
Geographic Information. They currently endure operations in the following countries:
Key Performance Indicators. Management focuses on a variety of key indicators to monitor operating and fiscal performance. These performance indicators include measurements of operating revenue, change in operating revenue, operating income, operating margin, net income, diluted earnings per share, cash provided by operating activities and capital expenditures. Key performance indicators for the twelve months ended December 31, 2018, 2017 and 2016, include the following:Key Performance Indicators Twelve Months Ended December 31, 2018 2017 2016 (In millions, except per participate data) Operating revenue $ 3,412.1 $ 3,362.2 $ 3,144.9 Operating revenue change 1 % 7 % 18 % Operating income $ 448.0 $ 831.7 $ 825.1 Operating margin 13.1 % 24.7 % 26.2 % Net income attributable to Equifax $ 299.8 $ 587.3 $ 488.8 Diluted earnings per participate $ 2.47 $ 4.83 $ 4.04 Cash provided by operating activities $ 672.2 $ 816.0 $ 823.0 Capital expenditures* $ (368.1 ) $ (214.0 ) $ (191.5 )
*Amounts above include accruals for capital expenditures.
Business Environment and Company Outlook
Demand for their services tends to subsist correlated to common levels of economic activity and to consumer credit activity, diminutive commercial credit and marketing activity. claim is besides enhanced by their initiatives to expand their products, capabilities, and markets served. In the United States, they hope 2019 economic activity, as measured by GDP, to subsist down from the levels seen in the second half of 2018. They hope modest growth in consumer credit, excluding mortgage, over the course of 2019. U.S. Mortgage market originations are expected to subsist much weaker in the first half of 2019 and down for the plenary year of 2019 versus 2018. They anticipate 2019 economic activity, as measured by GDP, in Canada to subsist slightly below the levels seen in the second half of 2018. In Australia, as measured by GDP, they anticipate 2019 economic activity to subsist below the levels seen in the second half of 2018 due to overall weakness in consumer credit markets. In the European markets they serve, the U.K., Spain and Portugal, they are expecting 2019 economic activity, as measured by GDP, to subsist at or slightly below the levels in 2018. In Latin America, their two largest markets are in Argentina and Chile. In Argentina, the market weakened significantly in 2018. They are expecting continued weakness in 2019 but at lower levels than in 2018. In Chile, they are expecting economic activity in 2019 to subsist down slightly compared to 2018.
The 2017 cybersecurity incident is expected to continue to negatively impact revenue, principally in their USIS and Global Consumer Solutions businesses. They endure incurred, in 2018, and will continue to incur, in 2019, legal, consulting and other costs related to the analysis and response to the 2017 cybersecurity incident. Additionally, in 2018 and beyond, they endure incurred and will continue to incur increased costs and capital expenditures related to their technology transformation, which includes costs for enhanced data security. In 2018 and beyond, they had and will continue to endure increases in the ongoing run-rate of technology and security spending. They besides hope to continue to incur increased expenses for insurance, finance, compliance activities, and to meet increased legal and regulatory requirements. The ultimate amount of these increases is expected to subsist significant.
As a result of the 2017 cybersecurity incident, they are theme to a significant number of proceedings and investigations as described in "Item 3. Legal Proceedings" in this figure 10-K. While they believe it is reasonably workable that they will incur losses associated with these proceedings and investigations, it is not workable to rate the amount of loss or ambit of workable loss that might result from adverse judgments, settlements, penalties or other resolution of the proceedings and investigations based on the various stages of these proceedings and investigations, that alleged damages endure not been specified or are uncertain, the suspicion as to the certification of a class or classes and the size of any certified class, as applicable, and the want of resolution on significant factual and legal issues. The Company will continue to evaluate information as it becomes known and will record an rate for losses at the time or times when it is both probable that a loss has been incurred and the amount of the loss is reasonably estimable. The Company believes that the ultimate amount paid on these actions, claims and investigations could subsist material to the Company's consolidated fiscal condition, results of operations, or cash flows in future periods and may reduce available resources to invest in technology and innovation.
RESULTS OF OPERATIONS -TWELVE MONTHS ENDED DECEMBER 31, 2018, 2017 AND 2016 Consolidated fiscal Results Operating Revenue Twelve Months Ended December 31, Change 2018 vs. 2017 2017 vs. 2016 Operating Revenue 2018 2017 2016 $ % $ % (In millions) U.S. Information Solutions $ 1,247.3 $ 1,262.7 $ 1,236.5 $ (15.4 ) (1 )% $ 26.2 2 % International 966.2 932.3 803.6 33.9 4 % 128.7 16 % Workforce Solutions 826.8 764.2 702.2 62.6 8 % 62.0 9 % Global Consumer Solutions 371.8 403.0 402.6 (31.2 ) (8 )% 0.4 - % Consolidated operating revenue $ 3,412.1 $ 3,362.2 $ 3,144.9 $ 49.9 1 % $ 217.3 7 %
Revenue for 2018 increased by 1% compared to 2017. The growth was driven by their Workforce Solutions and International segments which was partially offset by declines in USIS and Global Consumer Solutions which were negatively impacted by the 2017 cybersecurity incident. Workforce Solutions saw tenacious growth driven by Verification Services. International had local currency growth across all regions. The outcome of alien exchange rates reduced revenue by $28.3 million, or 1%, in 2018 compared to 2017.
Revenue for 2017 increased by 7% compared to 2016. The growth was driven by their International and Workforce Solutions segments. International had tenacious growth across all regions, which reflects broad based organic growth and the Veda acquisition. Workforce Solutions saw tenacious growth driven by Verification Services. USIS had an extend in revenue compared to 2016, reflecting growth in core credit decisioning, fiscal marketing services, mortgage and identity and fraud solutions. Revenue in their USIS, Global Consumer Solutions and Workforce Solutions segments were negatively impacted by the 2017 cybersecurity incident. The outcome of alien exchange rates reduced revenue by $6.0 million in 2017 compared to 2016.Operating Expenses Twelve Months Ended December 31, Change 2018 vs. 2017 2017 vs. 2016 Operating Expenses 2018 2017 2016 $ % $ % (In millions) Consolidated cost of services $ 1,440.4 $ 1,210.7 $ 1,113.4 $ 229.7 19 % $ 97.3 9 % Consolidated selling, common and administrative expenses 1,213.3 1,032.0 941.0 181.3 18 % 91.0 10 % Consolidated depreciation and amortization expense 310.4 287.8 265.4 22.6 8 % 22.4 8 % Consolidated operating expenses $ 2,964.1 $ 2,530.5 $ 2,319.8 $ 433.6 17 % $ 210.7 9 %
Cost of Services. Cost of services increased $229.7 million in 2018 compared to 2017. They incurred increased incremental technology and data security costs of $146.5 million in 2018. These increased technology and security costs predominantly reflect the investments they are making in their technology transformation, which include costs for enhanced data security. They hope these incremental costs as well as increased ongoing technology and security costs to continue in 2019 and 2020. The remaining extend is due to increased people and royalty costs. The outcome of changes in alien exchange rates reduced cost of services by $6.4 million.
Cost of services increased $97.3 million in 2017 compared to 2016. The extend in cost of services, when compared to 2016, was due to the extend in production costs driven by higher revenues, as well as increases of $14.2 million in professional services related to the 2017 cybersecurity incident and in people costs. The outcome of changes in alien exchange rates reduced cost of services by $2.1 million.
Selling, common and Administrative Expenses. Selling, common and administrative expenses increased $181.3 million in 2018 as compared to 2017.
We incurred increased incremental technology and data security costs of $160.7 million in 2018. As was the case in cost of services, these increased technology and security costs predominately reflect the investments they are making in their technology transformation, which include costs for enhanced data security. They hope these incremental costs as well as increased ongoing technology and security costs to continue in 2019 and 2020.
Related to the 2017 cybersecurity incident, they incurred net costs of $19.0 million in 2018. They incurred legal and investigative fees of $73.6 million, and decreased costs to fulfill and support the free credit monitoring service provided to eligible consumers of $20.4 million. Additionally, they benefited from the recognition of insurance proceeds of $75.0 million to offset these costs in 2018, versus the $50.0 million of insurance proceeds recorded in 2017.
The remaining changes were driven by increases due to the restructuring freight of $46.1 million, people, the public records litigation settlement of $18.5 million, and insurance costs which were partially offset by decreased advertising costs.
The impact of changes in alien currency exchange rates decreased their selling, common and administrative expenses by $10.2 million.
Selling, common and administrative expenses increased $91.0 million in 2017 as compared to 2016. The extend was due to $99.8 million of costs related to the 2017 cybersecurity incident, higher occupancy and people costs, partially offset by a decline in Veda integration and transaction costs. The impact of changes in alien currency exchange rates decreased their selling, common and administrative expenses by $2.2 million.
Depreciation and Amortization. Depreciation and amortization expense for 2018 increased by $22.6 million. The extend is due to amortization of capitalized internal-use software and system costs and depreciation of production equipment, partially offset by a dwindle in amortization of purchased intangibles.
Depreciation and amortization expense for 2017 increased by $22.4 million primarily due to increased depreciation due to increased capital expenditures.Operating Income and Operating Margin Twelve Months Ended December 31, Change Operating Income and 2018 vs. 2017 2017 vs. 2016 Operating Margin 2018 2017 2016 $ % $ % (In millions) Consolidated operating revenue $ 3,412.1 $ 3,362.2 $ 3,144.9 $ 49.9 1 % $ 217.3 7 % Consolidated operating expenses 2,964.1 2,530.5 2,319.8 433.6 17 % 210.7 9 % Consolidated operating income $ 448.0 $ 831.7 $ 825.1 $ (383.7 ) (46 )% $ 6.6 1 % Consolidated operating
Total company margin decreased in 2018 versus 2017, primarily due to the aforementioned technology and data security spending by the Company after the 2017 cybersecurity incident of $326.2 million reflected in costs of services and selling, general, and administrative expenses in their Consolidated Statements of Income.
Total company margin decreased in 2017 versus 2016, primarily due to the costs related to the 2017 cybersecurity incident, partially offset by increased margins in International and Workforce Solutions commerce segments and lower integration costs related to the acquisition of Veda.Interest Expense and Other Income (Expense), net Twelve Months Ended December 31, Change 2018 vs. 2017 2017 vs. 2016 Consolidated Interest and Other Income (Expense), net 2018 2017 2016 $ % $ % (In millions) Consolidated interest expense $ (103.5 ) $ (92.8 ) $ (92.1 ) $ (10.7 ) 12 % $ (0.7 ) 1 % Consolidated other income, net 11.8 7.7 (4.8 ) 4.1 53 % 12.5 (260 )% mediocre cost of debt 3.8 % 3.4 % 3.5 % Total consolidated debt,
Feb 21, 2019
(c) 1995-2019 Cybernet Data Systems, Inc. all Rights Reserved
Thousands of immigrants living here without legal authorization will start the fresh year demonstrating skills in parallel parking and two-point turns in hopes of becoming licensed drivers in Maryland.
Maryland joins a handful of states on Jan. 1 that issue so-called "second-tier" licenses that allow immigrants who finish not endure plenary legal documentation to drive on Maryland roads, register cars and obtain insurance. The licenses will not suffice as federal identification.
Nearly 13,000 immigrants endure signed up to Take driving tests in the coming weeks, according to situation officials.
Advocacy groups hail the licensing process as a step toward self-sufficiency for many and as a means to promote safety because drivers must know the rules of the road and can accumulate insurance. Others endure decried it: Del. Pat McDonough called it a note that "Maryland has become the Disney World of America for illegal aliens."
"We provide so many benefits and attractions: drivers licenses, the Dream Act educational subsidies, other benefits," the Baltimore County Republican said.
Del. Ron George, a Republican from Anne Arundel County who is running for governor, said he's concerned about national security, saying that terrorists or gang members could arrive to Maryland and secure a drivers license.
Many immigrants, though, train the capacity to accumulate a license will invent their lives easier. Armando Tema, an immigrant from Guatemala who lives in Baltimore, has marked his calendar for Jan. 9, when he has his appointment with the Motor Vehicle Administration.
He's a cook at a restaurant in Catonsville and said with a license, he'll no longer endure to reckon on the bus for transportation. He said he was beaten and robbed a yoke of years ago while waiting for a bus.
"It's hard to Take the bus," he said. "You wait for a long time."
Tema, 37, had a drivers license in his home country and had a learners permit — now expired — from before 2009, when Maryland issued licenses regardless of immigration status.
Maryland created the two-tiered system when the federal real ID Act took effect, mandating that state-issued identification cards meet a variety of security standards, including that they are issued to people who are in the country legally.
Maryland's immigrant licenses will include a notation that they are not telling for federal identification purposes. They cannot subsist used to gain entrance to a federal edifice or military base, for example. They besides cannot subsist used to board airplanes, said Christine Nizer, deputy administrator for the Motor Vehicle Administration.
The MVA hired 65 fresh employees and ran a public education drive in hopes of making the licensing exertion proceed smoothly. Appointments endure been scheduled from Thursday through late February, Nizer said.
"Hopefully, when they arrive in, they endure all the documents they need and they'll subsist able to Take the test," Nizer said.
Immigrants who hope to obtain licenses must result a two-step process. First, they need paperwork from the situation comptroller's office showing that they've filed tax returns for the past two years. About 15,000 people endure taken that step, mostly online, said Christine Feldmann, a spokeswoman for the comptroller.
With that certification in hand, prospective drivers then need to demonstrate the MVA proof of identity and current residence to start the licensing process. For fresh drivers, the process is the identical as for citizens, including written and driving tests.
The MVA has been working with immigrant rights groups, including Casa of Maryland, to ensure that prospective drivers understand the process.
"The key thing was working with the immigrant community and trying to invent confident the information was out there and available to the public," Nizer said.
Nizer said the greatest claim for the fresh licenses has been at MVA branches in the Washington suburbs: Beltsville, Gaithersburg, Largo and White Oak. Branches in Baltimore, Glen Burnie and Essex besides endure a number of appointments scheduled.
Casa of Maryland has helped 2,000 people invent appointments for driving tests, offering walk-in back and clinics on weekends to back people note up. Casa representatives said many immigrants aren't cozy conducting official commerce online or might need back understanding government paperwork.
A Casa employee will subsist at the MVA headquarters in Glen Burnie on Thursday and Friday to solemnize the first appointments and invent confident they proceed smoothly.
"It's a worthy financial, economic and life opportunity," said Pablo Blank, the immigrant integration programs manager for Casa of Maryland.
Kevin Hernandez, 17, an immigrant living in Baltimore without legal documentation, said he works at two restaurants and is studying for his GED at Baltimore City Community College. The second-tier license will invent his life easier, he said.
With a license, "I'll subsist able to proceed to school, proceed to drudgery and visit my family," said Hernandez, who moved to Maryland from El Salvador about six years ago and aspires to subsist a lawyer.
"I feel fancy I'm going to invent a party when I accumulate my license," he said.
When the fresh licenses were debated by the common Assembly final year, opponents said the licenses would further solidify Maryland's reputation as a situation friendly to immigrants who are in the country without legal permission. And they worried that the licenses would create a loophole that terrorists might exploit, especially given the state's proximity to Washington.
"Anyone who wanted to accumulate an ID could arrive here and accumulate their first piece of identification," said George, who lobbied in 2009 to End Maryland's short-lived practice of issuing drivers licenses to people without legal documentation. The licenses issued to such immigrants before 2009 expire by 2015.
"The fresh license puts us privilege back where they were," George said. "I don't deem people understand that this just opened the gates wide open again."
McDonough said if more immigrants trek to Maryland to obtain drivers licenses, taxpayers would subsist burdened with additional costs for education, health keeping and other services.
Other states that issue, or will soon issue, second-tier licenses include: Illinois, Vermont, Nevada, Colorado, California and Connecticut as well as the District of Columbia, according to the American Association of Motor Vehicle Administrators. Oregon passed a law creating second-tier licenses, but it will subsist apportion to a referendum this fall.
Three other states — Alaska, fresh Mexico and Washington — finish not require drivers to demonstrate proof of legal residency to obtain a yardstick drivers license.
It is unclear whether Maryland's immigrant license will subsist accepted in other states.
"We can't discourse for other enforcement that may happen in another jurisdiction," Nizer said.
Despite the limitations for the fresh licenses, the immigrant community is thrilled to endure the option to drive legally, said Blank of Casa of Maryland.
"People were fighting for this opportunity, for this right," Blank said. "They participated and wrote letters. This break is a huge win for the community."
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