GAO Testimony on Unemployed Older Workers Facing Long-Term Joblessness and Reduced Retirement Security
Testimony by Director, Education, Workforce, and Income Security, before the Senate Special Committee on Aging, May 15, 2012. "This testimony discusses the status of unemployed older workers. The most recent recession, which began in 2007 and ended in 2009, was the worst since the Great Depression, and has been characterized by historically high levels of long-term unemployment. While it is crucial that the nation help people of all ages return to work, long-term unemployment has particularly serious implications for older workers (age 55 and over). Job loss for older workers threatens not only their immediate financial security, but also their ability to support themselves during retirement." (Government Accountability Office)
Many Experience Challenges Regaining Employment and Face Reduced Retirement Security
"The number of workers age 55 and over experiencing long-term unemployment has grown substantially since the recession began in 2007. This raises concerns about how long-term unemployment will affect older workers' reemployment prospects and future retirement income.... GAO examined (1) how older workers' employment status has changed since the recession, (2) what risks unemployed older workers face and what challenges they experience in finding reemployment, (3) how long-term unemployment could affect older workers' retirement income, and (4) what other policies might help them return to work and what steps the Department of Labor has taken to help unemployed older workers." (Government Accountability Office)
Does Employer-Provided Health Insurance Cause 'Hours Lock'? New Evidence on Women Diagnosed with Breast Cancer
"Employment-contingent health insurance creates incentives for ill workers to remain employed at a sufficient level (usually full-time) to maintain access to health insurance coverage. [The authors'] study employed married women, newly diagnosed with breast cancer, comparing labor supply responses to breast cancer diagnoses between women dependent on their own employment for health insurance and women with access to health insurance through their spouse's employer." (The National Bureau of Economic Research; paid subscription or individual purchase required to retrieve full text)
Reinhart Employee Benefits Update, May 2012 (PDF)
Items include: Summary of Description of Material Modifications for Calendar-Year Plans; HHS Announces Proposed Regulations to Establish Health Plan Identifiers for Health Plans; IRS Publishes Proposed Regulations Imposing Fees to Fund Patient-Centered Outcomes Research; CMS Releases Guidance on Medical Loss Ratio Regulations; Ninth Circuit Rejects Claim for Equitable Relief Following SPD and Plan Document Discrepancies. (Reinhart)
10th Annual Study of Employee Benefits Trends
"A key finding this year is that 60% of surveyed employers recognize the precarious economic climate, rather than reducing business focus on employee benefits, actually creates opportunity for benefits to drive human capital. In addition, the Study found employees are less committed to their employers, but at the same time, highly dependent on their workplace benefits." (MetLife)
Paid Sick Leave is 'Basic Human Right,' Senator Says
"Senate HELP Committee Chairman Tom Harkin (D-IA) held a hearing this week on the Healthy Families Act ... which would require employers to offer 56 hours of paid sick leave. Republicans ... argued that it would be counterproductive and make it harder for employers who choose to provide paid leave to continue to do so, particularly in the current economy. [The chairman], however, disagreed, characterizing 'paid leave [as] a basic human right' and he argued that 'we need a one-size-fits-all-approach that ... sets a floor that we won't let people go below.'" (HR Policy Association)
U.S. House Bill Would Expand 'Reasonable Accommodation' Obligations by Employers to Include Pregnancy and Childbirth
"Democrats [in the U.S. House of Representatives] introduced legislation that would place an affirmative duty on employers to provide 'reasonable accommodations' to pregnant employees and applicants unless doing so would cause an 'undue burden' for the employer. Employers are already prohibited from discriminating on the basis of pregnancy under the Pregnancy Discrimination Act. The 'Pregnant Workers Fairness Act' (H.R. 5647) would impose new requirements based on the robust accommodation obligations under the Americans with Disabilities Act (ADA), which do not apply to pregnancy because it is not considered a disability under the ADA." (HR Policy Association)
PSCA President, David Wray, Announces His Retirement
"'After more than 25 years of service to PSCA members and the participants in the retirement plans they sponsor, David himself is ready to retire,' said [the] Chairman of the PSCA Board of Directors. 'We cannot thank David enough for his tireless efforts to keep the 401(k) system intact. The system today is stronger as a result of David's hard work.' ... Wray will serve as a member of PSCA's Board of Directors and will continue to advise and consult PSCA staff on public policy issues, research, and programs.'" (Plan Sponsor Council of America)
A Look at Legally Required Accommodations for Pregnant Women in the Workplace
"Just seven states -- Connecticut, Hawaii, Louisiana, Alaska, Texas, Illinois and California -- have some sort of pregnancy accommodation legislation; New York is in the process of trying to pass a law. California's is among the most protective for pregnant women: it guarantees the right to job-protected -- albeit unpaid -- leave and mandates a pregnant woman's right to be transferred to another position if medically necessary." (TIME)
Working Moms Taking Less Maternity Leave
"One in four (26%) working moms who have had a child in the last three years reported they did not take the full maternity leave allowed by their company. One in 10 took two weeks or less.... As more moms assume the sole or primary breadwinner role in their households, they�re feeling increasingly torn between providing financial security for their families and having quality time at home[.]" (PLANSPONSOR.com)
A Review of Employee Benefits Trends and Results Among 'The Principal 10 Best' Companies
"During the recent economic challenges, [companies named by The Principal Financial Group to a list of 'The Principal 10 Best Companies'] maintained robust benefits packages, with more of them increasing rather than decreasing retirement contributions during the past 10 years. Some shifted health insurance expenses onto employees, but a majority absorbed the cost themselves. Investing in wellness programs is a significant trend, driven by concern about the steadily rising cost of health care and hence the cost of health insurance. Another concern was how the changing health policy landscape will affect what benefits they can offer and what those benefits will cost." (Harvard Business Review)
Smart Employers Accommodate Needs of Parents in the Workplace
"Smart businesses will recognize that all employees, regardless of their family status, require work/life balance, and that 'families' can be defined in many different ways. Efforts need to be made to accommodate all reasonable requests, and across-the-board fairness has to be our goal. Benefit packages today can be designed with flexibility and choice, ensuring that family situations don't result in inequality." (Kitsay Peninsula Business Journal)
Using Workplace Flexibility As a Business Strategy
"Whether it's telecommuting, compressed work weeks, alternative scheduling or other arrangements, [a conference speaker] called workplace flexibility -- granting employees autonomy to control when, where and how they will get their work done -- 'close to the "silver bullet" among nonfinancial rewards.' But while studies indicate that 80 percent of U.S. businesses say they have implemented workplace flexibility, most have done do so ad hoc rather than establishing a 'flex culture' and embedding flexibility as part of the talent management strategy." (Society for Human Resource Management)
Employers Becoming More Generous with Corporate Relocation Benefits
Provides the text of the 2012 Atlas Moving Companies Corporate Relocation Survey. "For new hires [during 2011], full reimbursement [of relocation costs, as an employee benefit,] retakes the top spot as the most popular method, reversing its progressive decline from 2009-2011. The percentage of firms using full reimbursement is [57%]. This method is followed closely by lump-sum payments (50%) ... The percentage using partial reimbursement [was 40%] and is at its lowest level since 2006." (Atlas)
How Much Do Private Industry Employers Pay for Government Employee Benefits Such as Social Security? (PDF)
"The legally required benefits covered in this issue of Program Perspectives are Social Security, Medicare, federal and state unemployment insurance, and workers' compensation. The focus here is on the employer's portion of the cost of these benefits." (Bureau of Labor Statistics)
How to Benchmark Your Benefits Package to Ensure It Is Economical and Competitive
"Knowing how other employers plan to address these benefit decisions can be advantageous, as these decisions could mean the difference between maintaining a competitive benefits package to attract the best and brightest and declining ability to recruit and retain quality employees. Careful strategic planning includes ongoing evaluation of your organization to ensure that a comprehensive and competitive benefit package is offered to employees." (Smart Business)
New Jersey Politicians Grandfather Own Benefits But Limit Those of New Workers
"[Figures obtained as part of a Star-Ledger analysis of sick and vacation time records for lawmakers and other public employees across the state] show that politicians can reap generous rewards from the same system they are charged with policing. The payouts also take sizable chunks out of local budgets that are already under duress." (nj.com)
Would Tax Increases at the Top Affect Savings and Investment?
"Capital gains tax increases do reduce after-tax returns to saving, and this may cause some taxpayers to save and invest less. But, other people may save and invest more in order to reach a certain savings goal, balancing out those who scale back. On the whole, the Congressional Research Service ... concludes that capital gains tax rate increases appear to have 'little or no effect' on private saving." (Center on Budget and Policy Priorities)
[Guidance Overview] IRS Proposes Regs Allowing Deduction for Some Employee Local Lodging Expenses
"Despite the characterization of local lodging as a personal expense, employers could still take a compensation deduction for local lodging. However, the working condition fringe rules (for lodging provided in-kind) and the accountable plan rules (for lodging reimbursements) could not be used to provide local lodging on a tax-free basis when the exception created by Notice 2007-47 for temporary lodging did not apply. The proposed regulations provide more certainty for employers wanting to provide local lodging on a tax-free basis." (Thomson Reuters/EBIA)
Employers Making Distinctions Among Employees in Offering Flexible Work Schedules
"Some organizations have created flexible work arrangements [for select populations: disabled workers, veterans, low-wage hourly workers, and parents with dependent care responsibilities] such as telecommuting/working from home, traditional flextime, and reduced work hours, to accommodate these populations. Examples of obstacles to implement these flexible work arrangements include concerns about providing equal treatment for employees, ensuring that the work is done, and the impracticality of such arrangements given the nature of jobs in the organization's industry." (Society for Human Resource Management)
Telecommuting Creates 'Nexus' in Many States, Subjecting Products and Services to Sales Tax
"Telecommuting and maintaining in-home offices are among the activities that can create state tax liabilities, a Bloomberg BNA survey found. Potential Impact: Employers may be exposed to unexpected taxes when allowing employees to telecommute from other states. Few states have adopted nexus policies aimed at fostering alternative-work arrangements, according to a survey of state revenue agencies by Bloomberg BNA[.]" (Bloomberg BNA)
'Take This Job and Love It' -- Most Older Workers Say They Are Happy at Work
"The focus of this year's survey was working adults in their 50s and 60s with household income between $40,000 and $90,000, in which more than three-quarters (76 percent) say they are sticking with their jobs because they want to, not because they're stuck and can't leave (24 percent)." (Charles Schwab)
Preparing for a Future that Includes Aging Parents
"Experts say any serious plan for caring for aging parents must begin -- not with discussions about money -- but with a legal document designating someone as having 'power of attorney.' That paperwork grants authority to another individual to handle decisions if a loved one can't make them as a result of illness or memory loss.... Once the legal paperwork is done, families can turn to an array of sources for legitimate advice on boosting savings, buying appropriate insurance and maximizing home equity. For example, many employers offer workplace benefits that include free financial planning services." (NPR)
U.S. Postal Service Reform Being Considered in Senate Would Affect Pay and Benefits
"Measures that would prohibit collective bargaining at the U.S. Postal Service, require retirement-eligible employees to retire, and increase the amount workers contribute to their health benefits and life insurance are among the 39 amendments the Senate plans to vote on as part of the 21st Century Postal Service Act (S. 1789). Other amendments would limit executive pay at USPS, remove language scaling back workers' compensation benefits, and curtail the amount agencies can spend on government conferences." (Government Executive)
Nine Tips for Creating a Culture of Health at the Workplace
"64 percent of employers surveyed indicated that wellness initiatives are among the top three most effective tactics for controlling health care costs.... To mark Global Employee Health and Fitness Month, Healthyroads offers the following tips to help companies begin building a fit company:" (MarketWatch)
American Airlines to Make Its Case Against Union Contracts Before Bankruptcy Judge
"American wants to eliminate 13,000 union jobs -- about one in every four union workers -- freeze or terminate pension plans, curb health benefits, reduce time off, and impose many other cuts. The airline's unions say company leaders are unfairly blaming workers instead of doing something to make American grow and bring in more revenue." (The Sacramento Bee)
Enhance Incentives for Employees Through 'Individualizing'
"What incentives and rewards most motivate workers to do their best? ... The latest answer is 'individualization,' according to [a study] by St. Louis-based Incentive Research Foundation, which analyzed existing research, scanned incentive industry and business publications, and sought input from industry leaders." (Human Resource Executive Online)
Actuaries Report Extremely High Job Satisfaction
"According to US research by website Careercast.com, reported in the Wall Street Journal, actuaries have the second best job in 2012. They are eclipsed only by software planners.... According to the survey, newspaper reporters are down in 196th place - soundly beaten by sewage plant operators, sheet metal workers and janitors." (Financial News)
What's Working Around the World: Global Insights on Employee Engagement
A "flipbook" that should open in your web browser. "The e-book provides a ... look inside the minds of today's employees, featuring insights and trends on benefits, retirement, pay, career, company, job and life. The e-book also discusses how survey findings vary by region and employee age group. Key findings of the research reveal a significant drop in employee engagement worldwide, a serious challenge to productivity and company performance." (Mercer)
The Future of Absence and Disability Management, Part 2
"[The white paper] illustrates how on-site consultants can play a key role in helping employers integrate early disability reporting and disability duration guidelines into return-to-work programs." (The Standard)
Employers Offering Paid Time Off for Special Circumstances
"Some U.S. companies are offering additional paid time off for special circumstances, which might help employees maintain their work/life balance[.]" (Society for Human Resource Management)
How Unequal Health Care Coverage for Women Increases the Gender Wage Gap, and How Health Care Reform Can Help Close It
"[W]omen earned 77 cents for every dollar earned by men in 2011, an average of $10,622 in lost wages every year. Yet that earnings ratio actually understates the extent of women's disparate treatment in the workforce. Why? Because women are also less likely than men to receive health care coverage though their employer and are more likely to have higher out-of-pocket medical costs, resulting in a health insurance compensation gap on top of the pay gap." (Center for American Progress)
Focusing on Quality of Life Helps Medical Providers See Big Picture, Produces Healthier, Happier Patients
"People are more likely to manage their condition properly when they have more accessible, personal goals, like being able to do more at work or keep up with their kids, instead of focusing only on comparatively abstract targets like blood-sugar levels. And that, in turn, leads to much better health. Numerous studies show that when people have a higher sense of well-being, they have fewer hospitalizations and emergency-room visits, miss fewer days of work and use less medication. They're also more productive at work and more engaged in the community." (The Wall Street Journal)
Massachusetts Legislature Eyes Mandatory Paid Sick Leave
"The Massachusetts Legislature's Joint Committee on Health Care Financing is considering [a requirement for] companies with fewer than six employees to provide unpaid sick time, and all other employers to offer paid sick time." (ML Strategies, LLC)
Best Practices for Using the Talent and Experience of Older Workers (PDF)
"A report ... points to wide-ranging flexible workplace options that can retain older workers, tap into the experience of retired workers and help employers fill skills and knowledge gaps. Success is dependent, though, on matching flexibility initiatives with the needs of employers and their older employees." (Sloan Center on Aging & Work at Boston College )
Best Practices in Workplace Eldercare (PDF)
41 pages. Includes case studies of eldercare programs at 17 leading employers including Aetna, CBS Corporation, Fannie Mae, Intel, Johnson & Johnson, Johns Hopkins University, Kimberly-Clark, UnitedHealth Group and the U.S. Chamber of Commerce. (National Alliance for Caregiving)
[Guidance Overview] DOL Field Assistance Bulletin Clarifies Use of Plan Assets by Employer-Sponsored Apprenticeship and Training Programs
"The bulletin should assist employers in determining which types of program-related expenses are consistent with ERISA fiduciary obligations. In particular, abuses may result from: Lack of oversight of plan vehicles, equipment and inventory; Unreasonable instructor salaries and bonuses; [and] Excessive employee meal stipends that are not reasonably related to a plan's training program." (Practical Law Company)
Employers See Wellness Programs as Key to Improving Employee Health and Containing Rising Health Care Costs
"[W]hile 79 percent of large and 44 percent of midsized companies offer wellness programs, over 60 percent of these companies do not measure their return on investment. Yet, the majority of midsized and large companies report their wellness programs met or exceeded their senior executives' expectations in regards to reducing overall healthcare costs." (MarketWatch)
Text of EBSA Field Assistance Bulletin No. 2012-01: Use of Plan Assets by Apprenticeship and Training Plans for Graduation Ceremonies and Program Marketing
"The Regional Offices have asked whether the use of plan assets for such purposes violates ERISA's exclusive purpose and fiduciary duty requirements.... [W]e would not treat the plan�s payment of expenses associated with a modest graduation ceremony attended by graduating apprentices, family, plan officials, and other persons connected with the program or industry outreach, including light refreshments, as an impermissible use of plan assets provided [these conditions are met: ...] Similarly, we believe that certain outreach expenses related to the program can be paid for by the apprenticeship and training plans consistent with ERISA�s fiduciary requirements." (Employee Benefits Security Administration)
Text of Proposed DOL Regs Implementing Amendments to the Black Lung Benefits Act (PDF)
"Benefits are paid by either an individual coal mine operator that employed the coal miner (or its insurance carrier), or the Black Lung Disability Trust Fund.... The ACA amended the [Black Lung Benefits Act] in two ways. First, it revived a rebuttable presumption of total disability or death due to pneumoconiosis for certain claims. Second, it reinstituted derivative entitlement to benefits for certain eligible survivors of coal miners whose lifetime benefit claims were awarded because they were totally disabled due to pneumoconiosis." (U.S. Department of Labor, Office of Workers' Compensation Programs)
Is Mandatory Paid Sick Leave the Prescription for Healthy Workers, Healthy Businesses and a Healthy New York City Economy?
"While it is difficult to dispute that workers should be able to earn paid sick time off, what's often left out of the discussion is that paid sick time actually makes our economy stronger, overall. When workers report to work sick, they aren't particularly productive. In many instances, they risk getting their coworkers sick, compounding the lost productivity. They can even spread the illness to customers." (Daily News)
Is There 'Too Much' Inequality in Health Spending Across Income Groups?
"In this paper we study the efficient allocation of health resources across individuals. We focus on the relation between health resources and income (taken as a proxy for productivity). In particular we determine the efficient level of the health care social safety net for the indigent." (The National Bureau of Economic Research; paid subscription or individual purchase required to retrieve full text)
EEOC Issues Final Rule under ADEA
"The rule responds to two Supreme Court decisions in which the Court criticized one part of the Commission's existing ADEA regulations. The Court upheld EEOC's longstanding position that the ADEA prohibits policies and practices that have the effect of harming older individuals more than younger individuals, even if the harm was not intentional. However, it disagreed with the part of the regulations that said if an employee proved in court that an employment practice disproportionately harmed older workers, the employer had to justify it as a 'business necessity.'" (PLANSPONSOR.com)
Financial Planning on a Limited Budget
"There are a crop of new resources that let you get financial-planning services on the cheap. For a flat or hourly fee, a certified financial planner can help you develop a savings plan, get your budget in order and pay down debt. But keep in mind that you get what you pay for -- so don't expect any of the bells and whistles of a full-service financial-planning or brokerage firm." (The Washington Post; free registration required)
Ohio Spent $96 Million on Unused Paid Time Off in 2010-11
"The payouts are late-career incentives for hardworking employees who have jobs where it's difficult to take time off, such as prisons or health care centers, said ... a spokeswoman for the Ohio Civil Service Employee Association, which represents 30,000 workers." (MarionStar.com)
Work-Focused Psychotherapy Helps Employees Return Sooner
"Employees who received this therapy and returned to work sooner did not suffer adverse effects and showed significant improvement in mental health over the course of one year, according to the article, 'Work-Focused Treatment of Common Mental Disorders and Return to Work,' published online by the APA's Journal of Occupational Health Psychology." (Society for Human Resource Management)
Chart: Employer Costs for Legally Required Benefits in December 2011
"The average cost for legally required benefits was $2.33 per hour worked in private industry (8.1 percent of total compensation) in December 2011. Social Security comprises the largest legally required benefit cost component at $1.34 per hour or 4.7 percent of total compensation. Legally required benefits such as Social Security and Medicare are often directly linked to wages; therefore, higher paid occupations or industries will typically show higher cost estimates for this compensation component." (Bureau of Labor Statistics)
Sixth Annual Study of Employee Benefits: Today & Beyond
"[P]rudential has surveyed a representative cross-section of benefits plan sponsors, benefits plan participants, and brokers/consultants across the United States and compiled the findings in ... the Sixth Annual Study of Employee Benefits: Today & Beyond. This study is a valuable reference that benefits providers and brokers/consultants can rely on to see the real challenges and trends we believe will shape the delivery of employee benefits programs for the next five years." (Prudential)
10th Annual MetLife Study of Employee Benefits Trends (PDF)
"One of the Study's most significant findings is the strong relationship between satisfaction with benefits and job satisfaction. First noted in 2004 and every year since, this correlation creates compelling evidence for the power of benefits to drive a universal set of business objectives -- employee attraction, retention and productivity. It is a central tenet for benefits professionals and justifies benefits investment to senior management." (MetLife)
Work-Focused Psychotherapy Can Help Employees Return to Work Sooner
"Employees on sick leave with common mental health disorders such as depression and anxiety fully returned to work sooner when therapy deals with work-related problems and how to get back on the job, according to new research[.]" (American Psychological Association)
Return-to-Work Improves with Mental Health Therapy
"The American Psychological Association's Journal of Occupational Health Psychology reports on a study that found that integrating return-to-work strategies with cognitive-behavioral therapy can reduce time away from work when employees suffer from mental health conditions such as depression and anxiety." (Business Insurance; free registration required)
[Guidance Overview] Worker Entitled to Temporary Disability Benefits Despite Firing over Misconduct
"'The misconduct and insubordination presented in this case are just that, misconduct and insubordination, and nothing more,' the state's Supreme Court stated in its opinion. 'After committing the misconduct and suffering the suspension, [the employee] returned to work. It was then (employer's) option to terminate his employment or allow him to continue working light duty.'" (Business Insurance)
Pathways from Disability Onset to Retirement: The Roles of Employer Accommodation and Health Insurance
"How workers and their employers adapt to the onset of a disability is important. A policy that requires employers to provide private disability insurance benefits in the first two years after disability onset may be one way to encourage firms to take greater steps to rehabilitate and accommodate disabled workers. A similar policy implemented in The Netherlands resulted in a 25 percent reduction in the number of disabled beneficiaries per worker." (RAND)
Some Companies Turning to Personal Concierge Services in Effort to Improve Productivity
"The idea is to let someone else plan employees' trips -- both for work and leisure -- find them a plumber or a dog sitter, or choose where to take their car for an oil change." (The New York Times; free registration required)
Poll Shows Americans See Progress As Women and Men Willingly Make Trade-Offs to Balance Work and Family Life
"The 12th quarterly Allstate-National Journal Heartland Monitor Poll explored the attitudes and experiences of men and women in their home, family and professional lives. More than half (56 percent) of American men and women consider gender diversity to have a positive impact on the economic health of the country, and 36 percent of men and 39 percent of women cite "a flexible work schedule to pursue outside interests and spend time with your family" as their first or second most important reason for working." (Wolters Kluwer Law & Business / CCH)
ANSI Approves SHRM's Cost-per-Hire Standard as First American HR Standard
"The American National Standards Institute (ANSI) has approved the cost-per-hire standard as the first American national HR standard sponsored by the Society for Human Resource Management. The cost-per-hire standard provides a tool for organizations to reliably determine employee recruitment costs through an accepted algorithm that includes elements such as addressing organizations' specific hiring cultures and requirements." (Wolters Kluwer Law & Business / CCH)
2012 Top Five Total Rewards Priorities Survey (PDF)
"This year's survey showed a dramatic shift in focus as employers pointed to concerns about talent. When asked to identify the most significant challenge facing their organization over the next three years, employers identified the shortage, motivation and retention of talent." (Deloitte/ISCEBS)
Compromise May Clear Way for Massachusetts. Bill Seeking Paid Sick Days
"Advocates for a bill requiring Bay State businesses to offer paid sick days to their workers hope new compromise legislation exempting the state's smallest companies will break a years-long logjam, but critics of the bill say it will cost nearly 12,000 jobs." (Lowell Sun)
Employee Benefits Can be Written Off by Employer
"Remember, when extending fringe benefits it is important to note that discrimination rules apply. If benefits are extended to only highly compensated employees, then all or part of the benefit must be included in the employee's W2. If an employee pays part of the cost of a fringe benefit, this amount must be included in the employee's pay. Not all fringe benefits are exempt from taxation." (Fox Business)
Another Hand in the Pockets of Federal Workers
"The latest attempt in a seemingly unending series of proposals to cut their pay or benefits is scheduled for a Senate vote Tuesday. And once again, the plan is to use their money for unrelated projects. In an amendment to the highway bill now being considered [the money saved by extending the federal pay freeze would] fund energy projects, an adoption tax credit, and tax deductions for college expenses and for state and local property taxes." (The Washington Post; free registration required)
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