Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
Investing in the Future
By most accounts 2009 agency growth and new business production gets mixed reviews. Early on, most of my clients were guardedly optimistic about 2009 while over all industry thinking leaned towards pessimism. Most of my clients were coming off a decent 2008 characterized by significant growth, high retention and decent margins. All were concerned about shrinking premiums but most had confidence in their producers and our process to generate enough activity and new business to keep pace with shrinkage. In the last 2 quarters I've seen optimism turn to concern and even fear as the market shows no bottom and the recession places financial strain on clients with reductions in exposure negatively impacting premium. Several sectors, particularly, the construction trades have slowed considerably resulting in shrinking renewal and bond revenue.
Prediction: 2010 will be a highly profitable break out year for some, and extremely challenging shakeout year for the rest. I know, I'm hedging both outcomes, but both are predictable and you don't need a crystal ball to divine these outcomes. If you have any gray hair, you've seen this before.
In the past, those who prospered in difficult times had strong cash positions and willing to invest and take advantage of bargains. The three areas we should be investing in as the market continues to decline are:
Talent
Technology
Undervalued portfolios
To prosper in a recession, agency owners must trim fat and reinvest strategically in their companies.
Hire talent cast off from failing agencies and companies. In 2009, the insurance industry will lay off an additional 2-3% of its talent pool and freeze hiring on new talent entering into the marketplace. Smart agency owners and managers will take advantage of this glut by gobbling up good talent at bargain prices. Begin looking in earnest and budget to add producers and CSR's in 2009. Hire A players and pay them well...you won't be disappointed. After the new year and in years to come there will be a surplus of A players at bargain rates. Smart owners will be there to scoop them up when they become available.
Invest in technology that creates distance from the competition through differentiation to give you a competitive edge. This may be more impactful in a recession than in a booming economy. One reason is the law of supply and demand. The loss of a large client is more devastating in a recession, because there are less of them, and they are more difficult to replace. Invest in technology that larger prospects will see as valuable, and want as they try leverage vendors to cut costs and become more efficient. Your ability to attract and take business from the competition in a challenging market can create a tipping point, which puts significant strain on the competition and creates opportunity for you in the area of distress acquisitions.
Below is a list of "The best of the best in technology " that I have come into contact with in 2008 and will continue to support and invest in for my clients in 2009.
Zywave
Mywave
Go to Meeting
Sales Nexus
Polycom Video Conferencing
All create significant improvements in differentiation, client service, communication, and sophistication and sales management.
Zywave and Mywave with their broker brief case tools and their client portal help agencies create sophisticated and significant advantages on which to sell and retain customers. Most clients use less than 10 % of its capabilities and while it is relatively expensive, if you can afford it, get it before the competition does. This product alone, if used properly can expand capabilities and create service platform and level of sophistication previously reserved for the top 100 with strong IT and significant budgets.
Go to meeting is an in expensive method of creating and delivering online presentations from your desktop computer. Go to meeting allows you to project your desktop onto their computer for viewing. Anything on your desktop can be shared with up to 18 computers simultaneously. It includes a conference call center, is simple to use and costs less than $100 per month. This is an excellent, inexpensive method to deliver professional presentations, webinars, meetings and training programs inexpensively.
Sale Nexus is one of best sales tracking tools I have found to manage pipelines, prospects and producers online. Nexus uses a simple template where producers input vital information about individual prospects. Once entered it is logged into his/her pipeline. Nexus then tracks the prospect through the stages in sales cycle and creates a variety of valuable reports by producer, by department and by agency.
It keeps track of individual and agency sales goals, it generates hit ratios and quantifies adjusted pipeline revenues required to attain goals. Sales Nexus can be accessed online to review or update by producers, managers or anyone who has access. I use them to help run sales meetings and to motivate producers who are behind. These reports are in real time and let me know exactly where each producer needs to be at any time to be on track.
Polycom Video Conferencing: The best system I have found for high quality videoconferencing. Ideal for running meetings where an agency has a large footprint with many locations, this system allows for 2 way audio video conferencing for up to 6 locations with expansion capabilities for many more. With zoom and pan features and conversational stereo, the quality is as good as TV. Additional components allow you to tape meetings and training sessions for review and re-enforcement. Applications are limitless. I purchase Polycom for all of my clients and Polycom will continue to be a major investment for my firm as I continue to improve and expand my service platform and grow my practice.
Acquisitions: I am not an acquisition consultant, but it doesn't take experience to understand how the forces of competition, shrinking premiums, tight margins, aging producers and no perpetuation plan might create a compelling reason for owners to decide to sell for a reasonable profit...NOW. Well -established agencies with good reputations are feeling the pinch and are getting attacked from all sides by larger competitors. Even Marsh has jumped into the fray with a division aimed at middle market sector business. For agencies that depend on a few major markets, a combination of recession, competition and a hard market could spell disaster. Agencies seeking to grow through acquisition should follow up on old conversations and put their feelers out.
Up or down, the market creates opportunities on both sides of the curve. The difference is that when times are good, typically everyone benefits. But when times are bad, only a few savvy business owners prevail. Those who have the prescience and the resources to invest intelligently will take advantage of bargains while the competition sits it out on the sidelines. Warren Buffett is fond of saying; "This is how fortunes are made."
David Connolly
President
iQ Consulting Inc.
P.O. Box 47567 Plymouth MN 55447
612-414-5618
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