Homeowners insurance quizlet

Homeowners insurance quizlet DEFAULT

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National Lloyds rebrands after ReAlign acquisition

Jan 8, 2021

Reinsurance News National Lloyds Insurance Company has announced that it has rebranded as National Summit Insurance Company following its acquisition by ReAlign Insurance Holdings, Inc. back in July 2020. The rebranding also follows the conversion of National Lloyds from a Texas Lloyds Plan company into a capital stock insurance company. The company, now called National Summit, is a Texas-domiciled specialty personal property insurance provider that operates through a network of over 4,000 agents and is licensed in 24 states. In October 2020, ReAlign also formed Summit Specialty Insurance Company, a non-admitted insurance carrier domiciled in Nebraska. Along with Texas-based American Summit Insurance Company, these three insurance carriers form part of the ReAlign Insurance Group. “Our rebranding and capital stock conversion represent important milestones in our growth strategy,” stated Timothy McAuliffe, President of National Summit. “With our strong balance sheet and the dedicated support of the team at ReAlign, we are well positioned to further elevate our value proposition through investments in our technology, people and products.” Grant Lippincott, President of ReAlign, also commented: “Since acquiring these specialty personal property insurance companies six months ago, we have moved quickly to embark on the first phase of our long-term strategic plan to create a leading domestic program underwriting platform.” “Building on National Summit’s 70-year history, growing network of agents and excellent track record, the rebranding will enhance our flexibility as we prudently pursue opportunities to expand our product lines and further strengthen our operating platform.”

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How does group insurance differ from individual insurance quizlet?

How does group insurance differ from individual insurance? T is covered by two health insurance plans: a group plan through his employer and his spouse’s plan as a dependent. In double coverage situations, the insurer covering the employee who has the claim is called the primary insurance company.

How do group health insurance applications compare to individual health insurance?

With a group health insurance plan, you may provide your employees with quality health insurance benefits that they may not be able to afford themselves. With individual coverage, you are leaving your employees to get coverage for themselves in compliance with the Affordable Care Act.

Are group insurance plans better than individual?

Cost of Group vs Individual Health Insurance Small group health insurance plans can have a lower per-person cost than individual plans. For small business coverage, these average prices were listed in the eHealth report: Premium for small business coverage: $409. Deductible for small business coverage: $3,140.

Why is group health insurance better than individual?

One major reason to consider individual health insurance vs. group health insurance is to discover which one is going to be more affordable. With group health insurance, you’ll generally see that there are cost-saving benefits such as: A larger risk pool for the plan.

What are the six types of health insurance for individuals who participate in individual group or pre paid plans?

In this Article

  • Health Maintenance Organization (HMO)
  • Preferred Provider Organization (PPO)
  • Exclusive Provider Organization (EPO)
  • Point-of-Service Plan (POS)
  • Catastrophic Plan.
  • High-Deductible Health Plan With or Without a Health Savings Account.

How much is insurance for an individual?

In 2020, the average national cost for health insurance is $456 for an individual and $1,152 for a family per month. However, costs vary among the wide selection of health plans. Understanding the relationship between health coverage and cost can help you choose the right health insurance for you.

How much is car insurance a month for a single person?

How much is car insurance in California per month? Car insurance in California costs $70 per month, on average, or $844 per year.

What is the average cost of insurance for a small business?

Median and average monthly costs of small business insurance

PolicyMedian costAverage cost
General liability$42/month$65/month
Business owner’s policy (BOP)$53/month$99/month
Professional liability (E&O)$59/month$97/month
Workers’ compensation$47/month$111/month

How much should I spend on business insurance?

While there really are no average business liability insurance costs for both small and large businesses, we can consider some sample scenarios. A sole proprietor might pay $500 per year for general liability insurance, but a small consulting firm is likely to pay over $3,000 per year.

How much does 2 million liability insurance cost?

General Liability Insurance Average Costs While, $2 million worth of coverage will cost an average of $500 to $1,300.

What insurance do I need to start my own business?

To help protect your business, you’ll need to get the right small business liability insurance, including: General liability insurance. Professional liability insurance. Employment practices liability insurance.

What are the 4 types of insurance?

Different types of general insurance include motor insurance, health insurance, travel insurance, and home insurance.

What type of liability insurance do I need?

General liability is recommended for all businesses Every small business needs general liability insurance. This policy provides protection against common customer or client incidents, including bodily injuries, property damage, and advertising injuries.

What are the two types of liability insurance?

It’s important to note there are two types of liability coverage: bodily injury and property damage.

How many types of liability insurance are there?

The three main types of liability insurance coverage are: General liability. Professional liability. Employer liability.

How much personal liability coverage do I need?

Determine how much liability insurance you need Most homeowners insurance policies provide a minimum of $100,000 worth of liability insurance, but higher amounts are available and, increasingly, it is recommended that homeowners consider purchasing at least $300,000 to $500,000 worth of liability coverage.

What does personal liability coverage mean?

Personal liability insurance is about financial protection – for you and your family. The personal liability coverage within your homeowners policy provides coverage to pay for claims of bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

What is liability coverage only?

When you hear someone say “liability only,” they’re actually referring to two types of coverages that go hand in hand, not one: bodily injury liability and property damage liability. Together, these coverages help pay for the other person’s medical expenses, lost wages, vehicle repair, vehicle replacement, and more.

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How to delay eviction nyc

Texas Attorney General Ken Paxton advised Friday that local Texas governments' attempts to delay evictions for renters grappling with the COVID-19 recession amounted to rewriting state law — something they can't do, he said in nonbinding legal guidance. Jul 29, 2020 · Summary process, which means it must take place without delay, sped up evictions by changing other aspects of the normal civil litigation process that had benefited tenants facing eviction. Dec 03, 2020 · The CDC evictions moratorium, meant to curb the spread of COVID-19 and keep tenants in their homes, is expiring on Dec. 31. Housing advocates in New York say neither the federal nor state eviction ...

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Dec 18, 2020 · The state housing agency has reopened its troubled $100 million Covid-19 rent relief program as of Friday and will allow people to apply for funds through Feb. 1, Commissioner Ruthanne Visnauskas ... Jul 29, 2020 · Summary process, which means it must take place without delay, sped up evictions by changing other aspects of the normal civil litigation process that had benefited tenants facing eviction. BOSTON (AP) — Housing advocates say the Trump administration’s surprise national moratorium on evictions only delays a wave of crushing debt and homelessness, and an attorney representing lan… Dec 29, 2020 · New York Gov. Andrew Cuomo has signed into law legislation that places a six-month moratorium on evictions and foreclosure proceedings throughout the state due to the coronavirus pandemic. Minidox layoutJul 06, 2020 · (The Center Square) – New York tenants and landlords alike are trying to navigate the complex state orders and court guidance on the eviction process as housing courts prepare to hear new cases starting Tuesday.

  • Photograph Size: 8x12 | Ready to frame in any standard size frame | Frame Not Included | Archival Quality Reproduction | Photograph Description: Evictions - East Side, New York Published: [between ca. 1908 and 1920] Summary: An eviction; children in foregrd. Caption card tracings: NY NYC E- S-; NY NYC Misc. ca. 1908-20; Eviction; Geogr.; Shelf. Prohibiting reporting on eviction by credit agencies, or put mandatory delay of several months on reporting. Reduce eviction record ‘blacklist’ to shorter time. Get Landlords Groups to be blind to eviction history
  • Mar 18, 2020 · “We must suspend rents, not defer them. Otherwise the end of the coronavirus crisis could mean the beginning of an evictions crisis.” The moves followed confirmation from social landlords that they... BOSTON (AP) - Housing advocates say the Trump administration's surprise national moratorium on evictions only delays a wave of crushing debt and homelessness, and an attorney representing ...
  • Stop the eviction process: A supersedeas bond to stop the eviction or repossession by the landlord must be the pro rated amount of rent from the date of the judgment to the next rent due date, together with costs and attorney’s fees, if any. A.R.S. § 12-1179(D) and Arizona Rules of Procedure for Eviction Actions Rule 17.b(2). This book is an overview of what you as a renter can do to delay an eviction from your home. You will find this brief tutorial to be very informative as well as inexpensive. Most of the techniques can be performed without the assistance of a legal expert, which will save you both time and money.
  • How to Delay Eviction. October 15, 2018. By: Teo Spengler, J.D. But there are no tricks to help you delay. If you live in a rent-controlled city, go to the Rent Board offices for help and advice. If you have the means, get an attorney on your side to take every legitimate step toward stopping the eviction.

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  • Mar 23, 2020 · Fannie Mae and Freddie Mac last week suspended foreclosures and evictions on single-family homes as the coronavirus continues to spread, but that policy will only help those living in a house ... Dec 26, 2020 · The national eviction moratorium may be extended for one month, until Jan. 31, 2021. CNET Congress on Monday passed a two-part bill that includes $900 billion stimulus package, which -- in ... Teardown - How to Change Alarm Times, Detach Alarms, Multisave and Other. Borderlands 3 - Dump on Dumptruck Guide (Walkthrough + How to Unlock). Heat Signature - Stations and Mission Selection.
  • Dec 10, 2009 · The average is 3 months at least. If you have a slick professional tenant that knows the rent stabilization system (pro-tenant system by the way) then he or she will try to extend their stay by filing an "order to show cause" which the judge would usually grant. Before you know it, it's 6 months later of unpaid rent with no eviction yet. New York landlords must provide tenants with a 10-Day Notice to Comply giving the tenant 10 days to correct the issue in order to avoid eviction. Typical lease violations under this category could include things like damaging the rental property, having too many people residing in the rental unit, and having a pet when there’s a no-pet policy.
  • It is essential that your Article 78 Proceeding is filed on time. You cannot be late filing it. Often times there will be a delay between when you lose the hearing and when NYCHA starts the eviction case. They haven't forgotten you. Don't let your time to start an Article 78 Proceeding expire because you're waiting for the eviction papers. An eviction, also known in some states as an unlawful detainer, can stay on your record for life, but all states have a process in place to expunge an Sometimes people get evicted during divorces, sickness, jobless, it isn't always for being a deadbeat. How not to lose an eviction case in the first...
  • Sep 01, 2020 · At any time during the 60-day period, a landlord in an abatement agreement can file a motion to reinstate the eviction case, and the eviction trial must then be set within 21 days. Court records for participants in an abatement agreement will be kept confidential during the abatement period. NYC rent-control conditions lead to some absurd situations, which is why NYC landlords despise their rent-controlled tenants and will find the slightest excuse to evict them. Finding a happy medium between 1960's-level rents and 2010's-level rents for NYC rent-controlled apartments should be possible without causing either side to scream bloody ... Dec 29, 2020 · New York Gov. Andrew Cuomo has signed into law legislation that places a six-month moratorium on evictions and foreclosure proceedings throughout the state due to the coronavirus pandemic.
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  • It's an illegal eviction if you're forced to leave without the legal process being followed. Your tenancy rights and responsibilities continue throughout the legal eviction process. You should continue to pay rent during this time. 1. Notice The section 21 notice must be on Form 6A. Your landlord doesn't need to give a reason for wanting you to ... Mar 24, 2020 · TUCSON - Gov. Doug Ducey issued an executive order Tuesday calling for landlords to delay evictions for the next 120 days in response to the COVID-19 crisis.. According to the governor, Tuesday's ...

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Additionally, emotions run high throughout the eviction process, so avoid confronting the tenant in person once the eviction process begins. It can be very awkward and dangerous standing in front of the person you are evicting. Signature used for attempting sso is invalidDec 16, 2020 · Evictions linked to COVID-19 spread ... and state marshals believe they have no authority to delay move-out eviction orders for those infected with COVID-19. ... in Connecticut and New York have ... Chunk loader 1.16 pluginHow to Delay an Eviction in New York Understanding Your Eviction Notice. If your landlord decides to evict you, you will first receive a written notice that... Talk to Your Landlord. If you receive an eviction notice, you should first try talking to your landlord. You may be able... Comply With the ... Jun 29, 2020 · Eviction cases are starting to be heard again in a state that has some of the country’s highest rates of people being kicked out of their homes, and tenant advocates are worried. Oct 05, 2015 · Unsurprisingly, most tenants aren’t happy to be evicted and some have found clever ways to delay an eviction case. Commonly, “a tenant can make it difficult to be served with the eviction ...

Aug 21, 2020 · After the Foreclosure: Eviction. At some point, the time you can stay in the house will end. The new owner can't simply throw you and your belongings out, but instead must take steps to remove you using the eviction process. Exactly how long an eviction will take varies from state to state. Two in One Walmart pay policyMar 26, 2020 · Roughly 14,500 New York City families have pending eviction warrants and are the most imminently at risk of losing their homes once the court’s protections expire, which will trigger a wave of ...

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Critics: Eviction ban may only delay wave of homelessness ... NEW YORK (AP) — A huge fear for Wall Street coming into this month was a contested U.S. presidential election, one that could drag ... Tenant is thus put on notice that Landlord may have to conclude legal eviction of previous tenants before the premises are become available. 23. Delay of Possession: Tenant agrees not to sue Landlord if Landlord is unable to timely provide possession of the premises.

  • May 02, 2016 · Adding 10 to 30 gets you the maximum period (i.e. 40 days) a judge may stay or postpone an eviction. 40 days is the maximum stay without the landlord’s consent. This is the “without the consent of the adverse party” clause in the middle of section 918 (b).
  • May 12, 2020 · New York Gov Andrew Cuomo last week announced no evictions until August 20th to help unemployed renters keep a roof over their head. But where does that leave landlords? Peter Regnier says he gets ...

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This is an excerpt from an essay which first appeared as a chapter in The Tenant Movement in New York City, 1904–1984, edited by Ronald Lawson (Rutgers University Press, 1986), and was titled “From eviction resistance to rent control: Tenant activism in the Great Depression.” NON-PAYMENT PROCEEDINGS. A nonpayment case is brought by the landlord to collect unpaid rent. A tenant may be evicted for non-payment of rent.. The Demand for Rent. Before the case can be started, the landlord or someone working for the landlord, must demand the overdue rent from the tenant and warn the tenant that if the rent is not paid, the tenant can be evicted. An eviction starts with a written notice in New York State. The type of written notice used depends on the kind of eviction. New York categorizes evictions into two areas: non-payment and hold over. A non-payment case gives a tenant a three-day notice. The notice demands rent payment in full. Fusion 360 pcb workspaceFor more complex cases, real estate lawyers may work on an hourly rate and require a retainer. Hourly rates for real estate lawyers may range from $150 to $300 or more. Geography can also affect your costs; attorneys’ rates will typically be lower on average in Georgia than in New York City. .

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Dec 29, 2020 · In housing news, the state of New York has enacted a new law to protect most renters from eviction until May 1 if they are suffering from financial hardship related to the pandemic. Apr 29, 2020 · On March 20, 2020, Gov. Andrew Cuomo followed up with an executive order stating that there shall be no enforcement of any evictions of residential tenants in New York State for 90 days. Now, the New York City Council is introducing a bill that could effectively halt residential evictions through the summer. Mar 20, 2020 · Nationwide, other cities have suspended evictions in light of COVID-19, including New York and Los Angeles. The San Antonio Heron is a nonprofit news organization that relies on support from ... The New York eviction notice forms are used when a tenant has either failed to pay rent, or is breaching the lease in some way, or is holding over after a lease has ended. The forms are a way for a landlord to inform the tenant that they are getting ready to take court action if the tenant doesn’t either rectify the problem or move out.

  • Non-payment of rent is one of the most common grounds for eviction in New York City, and whether you have been accused by your landlord of non-payment or if you have a tenant who is not paying you, it is advisable to hire a skilled landlord tenant attorney in NYC who can fight for you. Come to The Law Office of Tamara I. Jordan P.L.L.C., where ...

    • The Delay effect is one of the oldest effects to be used on recordings, and there are many different types and ways to apply it. Multi-Platinum mixer / producer extraordinaire Kenny Gioia returns with a "must have" series for anyone recording, mixing, engineering or producing music.
    • Apr 18, 2019 · Eviction prevention can be as simple as a phone call. When you’re a homeowner and you’re late on your mortgage, the notices start arriving within a few days, says Stephanie Pasquale, commissioner of the Department of Neighborhood and Business Development for the City of Syracuse, New York.
    • Jul 28, 2020 · The event took place just four days after Massachusetts Gov. Charlie Baker extended the eviction moratorium to Oct. 17. However the crowd recognized that this will just delay the 30,000 evictions and counting pending in the Greater Boston Real Estate Board. Dec 29, 2020 · New York Gov. Andrew Cuomo has signed into law legislation that places a six-month moratorium on evictions and foreclosure proceedings throughout the state due to the coronavirus pandemic.
    • How to Delay Eviction. October 15, 2018. By: Teo Spengler, J.D. But there are no tricks to help you delay. If you live in a rent-controlled city, go to the Rent Board offices for help and advice. If you have the means, get an attorney on your side to take every legitimate step toward stopping the eviction.
  • Dec 21, 2018 · “Most landlords will delay eviction proceedings if they know you are trying to work things out.” The landlord did it If you’ve been withholding rent because of an apartment issue that the landlord has failed to fix , you may still have a case, but Weinberg says this is NOT a good tactic. The summary eviction order has been satisfied by moving out or released by the landlord. CAUTION! Filing a motion to set aside the eviction order may not stop a pending eviction. If you need to delay a pending eviction, you can try filing the motion to stay discussed above.

    • How to Delay Eviction. October 15, 2018. By: Teo Spengler, J.D. But there are no tricks to help you delay. If you live in a rent-controlled city, go to the Rent Board offices for help and advice. If you have the means, get an attorney on your side to take every legitimate step toward stopping the eviction.
    • Jun 24, 2020 · This will add another 14 business day delay before a marshal can actually execute an eviction. A June 15 letter from Bureau of Marshals Director Caroline Tang-Alejandro states that a notice cannot be re-served "until the petitioner has received leave of court to enforce the warrant of eviction"—a process landlord attorneys say could make it more difficult for them to evict tenants whose cases predate the pandemic.
    • Under New York State law, your landlord cannot evict you in retaliation for enforcing your rights. Existing statutes presume that if you’ve complained to a government agency about your landlord within the last six months, and the landlord terminates your tenancy, it’s in retaliation.
    • Nov 27, 2020 · Ant McPartlin and Declan Donnelly said they begged producers to delay the first I'm A Celebrity Get Me Out Of Here! 2020 eviction by a week.. The Geordie duo made the revelation during the exit ... Mar 20, 2020 · Gov. Andrew Cuomo also announced a 90-day moratorium on commercial and residential evictions, which means that restaurants or bars that aren’t able to pay rent in the next few months won’t be ...

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Oct 15, 2020 · A New York state judge dismissed a challenge to eviction limits, and asserted the court’s ability to issue such orders in the future. The plaintiffs, three landlords in Westchester County, New ...

  • Spread the love The New York Legislature on Monday overwhelmingly passed one of the most comprehensive anti-eviction laws in the nation, as the state contends with high levels of unemployment caused by a pandemic that has taken more than 330,000 lives nationwide. Tenants and advocacy groups have been dreading the end-of-year expiration of eviction bans... Richard Vetstein, the lead attorney representing landlords who are challenging an eviction moratorium in Massachusetts, called the CDC order "convoluted" and The CDC order comes as many local and state eviction bans are set to expire. California's measure was supposed to end Wednesday, but Gov.Dec 28, 2020 · The New York State Senate greenlighted a bill Monday afternoon that will allow renters and homeowners to delay eviction and foreclosure proceedings until May if they can demonstrate financial hardship caused by the pandemic. The bill also aims to aid small landlords. Jan 30, 2012 · Presenting the eviction to the court requires calm, and a whole lot of documentation. Come prepared and organized, and you can defeat any bogus defense the tenant may raise to delay the eviction. If you’re not clear on the rules, hire an attorney to process the eviction.
  • Evict your tenants legally with an eviction notice letter. Evict tenants with a notice to quit, section 21 notice or section 8 notice. We are recommending that landlords suspend or delay evictions during the Covid-19 pandemic in line with Government Guidance.

New York, NY 10035 212-360-4113 Manhattan 111 Centre Street New York, NY 10013 646-386-5500 Queens 89-17 Sutphin Boulevard ... This can delay eviction by 2 weeks while .

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  • Dec 18, 2020 · AUSTIN, Texas (Dec. 16, 2020) — In central Texas, as in so many communities across the country, the looming expiration of the CDC’s eviction moratorium means thousands of families could face housing insecurity in the new year. In addition to the financial effects and long-term barriers to accessing housing an eviction creates, new research highlights […]
  • This book is an overview of what you as a renter can do to delay an eviction from your home. You will find this brief tutorial to be very informative as well as inexpensive. Most of the techniques can be performed without the assistance of a legal expert, which will save you both time and money.
  • Jul 29, 2020 · Summary process, which means it must take place without delay, sped up evictions by changing other aspects of the normal civil litigation process that had benefited tenants facing eviction.
  • How to Delay an Eviction in New York Understanding Your Eviction Notice. If your landlord decides to evict you, you will first receive a written notice that... Talk to Your Landlord. If you receive an eviction notice, you should first try talking to your landlord. You may be able... Comply With the ...
  • Aug 05, 2020 · Houston City Council has approved a new infusion of federal coronavirus aid and private donations to offer up to $20 million in rent relief, an expansion of a $15 program in May that now includes ...
  • Sep 14, 2020 · To be protected under the CDC eviction moratorium, renters facing eviction who meet the qualifications should provide a signed declaration to their landlords. You can find the CDC's form here ...
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  • A landlord can evict a tenant on reasonable grounds, and the tenant has the right to dispute the eviction except for non-payment of rent. As Alberta reopens, note that some temporary measures in response to COVID-19 are no longer in effect. Scheduled rent increases may take effect provided proper ...
  • May 07, 2020 · Coronavirus Roundup: Eviction Moratorium Extended, New York Was Virus’s Gateway. All the news and announcements from New York State and Hudson Valley and Catskills counties from Thursday, May 7. Published on May 7, 2020 9:10PM EDT Coronavirus Primary category in which blog post is published
  • Mar 16, 2020 · In addition to moratoria on eviction, lawmakers can also consider moratoria on foreclosures. Homeowners are equally vulnerable during these times - governments can look to the housing crisis of 2007-2008 for effective programs that prevent or delay foreclosure, provide financial assistance and offer housing counseling services.
  • Mar 26, 2020 · On Thursday, the Austin City Council approved a new measure to delay evictions starting April 1 and give tenants an additional 60 days to pay rent before landlords can post notices to vacate. “No one should be kicked out of their home or business during a pandemic,” said Council Member Greg Casar, the sponsor of the ordinance, in a press ...
  • Oct 27, 2020 · Because of the pandemic, it will take quite a while for courts to process eviction cases. “The tsunami of evictions still has to flow through the very narrow garden hose of the Superior Court system,” Campbell explained. This delay, Lanctot said, creates a lot of negotiating leverage for the tenant.

A secretary at a Syracuse, New York, law firm has been charged with forging a judge’s signature on a legal document in an attempt to delay eviction from her home. Dec 24, 2020 · Jamell Henderson (L) speaks during a "No Evictions, No Police" national day of action protest against law enforcement who forcibly remove people from homes on Sept. 1, 2020, in New York City. Activists and relief groups in the United States are scrambling to head off a monumental wave of evictions nationwide, as the coronavirus crisis leaves ...

Loading. ×Sorry to interrupt. CSS Error. Refresh.Dec 23, 2020 · This moratorium doesn’t mean your rent is gone for good, it’s just a delay if you can’t pay full rent at a certain time. Currently, there are 9,876 pending evictions in Shelby County ... Aug 03, 2020 · Impose a nationwide moratorium on evictions and give rental assistance “The immediate need is for Congress to impose a nationwide moratorium on evictions and then to give people who have lost their...

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Part 1 - Introduction to Insurance (Test

The bus continued to fill up, and they pressed on me harder and harder from behind. Finally, all the lucky ones were inside, and the losers were left outside. The doors closed on the fourth attempt and we hit the road. It turned out to be such an unusual path. I was just in paradise.

Insurance quizlet homeowners

But, most importantly, my grandmother left her house to them by will. Quite good, by the way, even though he is "a hundred years old at lunchtime. " Made of red brick, three rooms, a huge kitchen, a huge combined bathroom.

Insurance 101 - Homeowners Insurance Coverage - The Ultimate Guide to Home Insurance

I did not cancel the plans, and in the company of my friend and his new girlfriend, we rushed to the sea. In my bag splashed a bottle of cognac, wine and other goodies so necessary for a decent rest away from the. Bustle of the city. Coming out to the beach, along the line of the surf, we slowly wandered towards that part of the coast, where, as a rule, there were very few vacationers.

Nadezhda, who celebrated her 19th birthday for a week, cheerfully told something about her studies, girlfriends and other cute rubbish, washing down her stories with red wine.

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The autopilot followed all the rules, kept the distance, and therefore flew slowly. Mark was in no hurry, at least not yet. Suddenly the music stopped, the ringing of a call was heard and the icon of an archaic telephone receiver appeared on the on-board computer screen. Mark pressed it and the sweet face of the attendant appeared in the monitor.



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