If you have a conversion term policy,
1. your policy will have the same premium as other term policies.
2. your benefit to your beneficiary will be less as time passes.
3. you can convert your policy from permanent to term at any time.
4. your premium will not increase when you renew it.
5. you can convert your term policy to a permanent policy.

The procedures for reporting potential unanticipated problems involving risk to subjects or others to the irb are: stated in the human subject protection regulations, but not in the drug or device regulationsincluded in the consent processdetermined by research staffdetermined by the institution in its written policies and procedures

Around the third week of a college class, a professor decides she’s had enough, is tired of dealing with bureaucracies, and wants out. so one day, instead of coming to class, she flies to tahiti and sells souvenirs on the beach. if this happened, the college would simply assign a substitute to finish the course. what does this tell you about the nature of the authority wielded by a professor?

Refers to the biological heritage people use to identify themselves.