As Bayer and other companies work to limit their financial exposure to pesticide injury lawsuits, they are shifting more of their focus to statehouses, where they can shape the legislative landscape and reduce the legal risks associated with their products. Pesticide companies are pushing for laws that would limit damages in pesticide-related injury cases. Bayer has backed the Agricultural Labeling Uniformity Act, a federal bill that seeks to standardize pesticide labeling and prevent states from enacting stricter requirements. While Bayer maintains that glyphosate – Roundup's active ingredient – is safe when used as directed, the company has faced thousands of lawsuits, and the financial toll is steep – Bayer set aside $6.3 billion for glyphosate litigation in 2023. https://www.newstarget.com/2024-11-08-pesticide-companies-increasing-state-level-political-contributions.html

PRESIDENT TRUMP video! THE END OF THE DEEP STATE: President Trump’s Plan to Dismantle the Deep State and Return Power to the American People. Here's my plan to dismantle the deep state and reclaim our democracy from Washington corruption once and for all, and corruption it is. First, I will immediately re-issue my 2020 Executive Order restoring the President's authority to remove rogue bureaucrats. And I will wield that power very aggressively. Second, we will clean out all of the corrupt actors in our National Security and Intelligence apparatus, and there are plenty of them. The departments and agencies that have been weaponized will be completely overhauled so that faceless bureaucrats will never again be able to target and persecute conservatives, Christians, or the left's political enemies, which they're doing now at a level that nobody can believe even possible. Third, we will totally reform FISA courts which are so corrupt that the judges seemingly do not care when they are lied to in warrant applications. So many judges have seen so many applications that they know were wrong, or at least they must have known. They do nothing about it, they're lied to. Fourth, to expose the hoaxes and abuses of power that have been tearing our country apart, we will establish a Truth and Reconciliation Commission to declassify and publish all documents on Deep State spying, censorship, and corruption, and there are plenty of them. Fifth, we will launch a major crackdown on government leakers who collude with the fake news to deliberately weave false narratives and to subvert our government and our democracy. When possible, we will press criminal charges. Sixth, we will make every Inspector General's Office independent and physically separated from the departments they oversee so they do not become the protectors of the Deep State. Seventh, I will ask Congress to establish an independent auditing system to continually monitor our intelligence agencies to ensure they are not spying on our citizens or running disinformation campaigns against the American people, or that they are not spying on someone's campaign like they spied on my campaign. Eighth, we will continue the effort launched by the Trump administration to move parts of the sprawling federal bureaucracy to new locations outside the Washington Swamp. Just as I moved the Bureau of Land Management to Colorado, as many as 100,000 government positions can be moved out. And I mean immediately out of Washington to places filled with patriots who love America, and they really do love America. Ninth, I will work to ban federal bureaucrats from taking jobs at the companies they deal with and that they regulate. So they deal with these companies and they regulate these companies and then they want to take jobs from these companies. Doesn't work that way—such a public display cannot go on and it's taking place all the time, like with Big Pharma. Finally, I will push a constitutional amendment to impose term limits on members of Congress. This is how I will shatter the deep state and restore government that is controlled by the people and for the people. Thank you very much. https://substack.com/@randpaulreview/note/c-76114041

Trump Wins, Eliminates Federal Income Tax, Economy Booms – Martin Armstrong https://rumble.com/v5lb9e4-trump-wins-and-eliminates-federal-income-tax-martin-armstrong.html Legendary financial and geopolitical cycle analyst Martin Armstrong is back with some important predictions in his last appearance before the 2024 Election. First, Armstrong’s Socrates computer is still predicting a Trump landslide. Socrates actually factors in cheating to make this “Trump Wins” call. Armstrong says, “In the 2020 Election, it came out the computer said it was 50/50. It did not show a huge landslide one way or another. They rigged it, but it was in Congress is where they did it. . . . There were seven states that were going to be challenged. . . . On January 6 (during the so-called insurrection at the capitol), the FBI has testified they could not even tell how many people they had there. . . . as soon as this happens, Pelosi calls emergency rules. When she did the emergency rules, she shut down any challenge to the seven states. . . . That’s how the 2020 Election was really rigged. . . . in 2024, the gap is too big this time. In 2020, the computer said it was tight. This one, I don’t think they can cheat that much to actually overthrow it.” If Trump does win, one of the huge changes going to be pushed is the elimination of federal income taxes. Let that sink in. When you hear Donald Trump say he is contemplating doing away with federal taxes, it is not some campaign promise that he intends to break. Armstrong says this is more than doable. When Trump says he can fix the economy, Armstrong contends eliminating federal income tax is a turbocharger for the American economy. Armstrong explains, “If you eliminate the income tax, what will happen is all these other companies that are in different countries are going to want to come here. It’s going to be the biggest economic boom in absolute history.” Is this why Trump keeps saying he can “fix the economy”? Armstrong says, “Oh yes. The U.S. will make more money than you can ever imagine. When I testified in front of Congress, I said at least lower the tax rate to 15% on corporates. . . . 15% is what Hong Kong was charging, and that was the only reason people were there. . . . We do not need the income tax anymore because we create money anyway. We don’t need to get some money back like gold coins from the public so we can pay our bills. This is an old theory. So, income tax is something we do not need, and we certainly do not need to borrow anymore. Our national debt is exploding because of interest expenditures. . . . You eliminate the income tax, and you are going to have the biggest economic boom in absolute history. You will create so many jobs. You won’t have to worry about the debt. . . . We would get rid of the debt, and the equity would be private companies. If you wanted to create your own studio, there would be capital available to do that.” Armstrong also talks about gold, who is really running the country and extreme civil unrest coming to America after the 2024 Election.

The Biden/Harris Regime & CDC Partners Literally Wasted a Fortune to Lie to the American People The report details a number of unbelievable inaccuracies in 2021 coming from the Biden/ Harris administration’s communications team and the CDC’s messaging apparatus. Fauci and Francis Collins’ National Institutes of Health were also responsible, creating guidance using taxpayer money, nearly $1 billion per the report, that misled millions of people and caused unimaginable harm in the process. While the Biden/Harris administration’s public health guidance led to prolonged closures of schools and businesses, the NIH was spending nearly a billion dollars of taxpayer money trying to manipulate Americans with advertisements—sometimes containing erroneous or unproven information. By overpromising what the Covid-19 vaccines could do—in direct contradiction of the FDA’s authorizations—and over emphasizing the virus’s risk to children and young adults, the Biden/Harris administration caused Americans to lose trust in the public health system,” Committee Chair Cathy McMorris Rodgers (R-WA) said after the report’s release. “Our investigation also uncovered the extent to which public funding went to Big Tech companies to track and monitor Americans, underscoring the need for stronger online data privacy protections.” https://brownstone.org/articles/the-biden-harris-administration-wasted-nearly-one-billion-on-misinformation/

Zalma’s Insurance Fraud Letter – November 1, 2024 ZIFL – Volume 28 Number 21 Posted on November 1, 2024 by Barry Zalma Post 4924 See the full video at and at Subscribe to ZIFL at https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D The Source for the Insurance Fraud Professional Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ This issue contains the following articles about insurance fraud: Pill Mill Doctor’s Conviction Affirmed HEALTH CARE FRAUD CONVICTION AFFIRMED ACTING AS A DR. FEEL GOOD IS A FEDERAL CRIME According to the Sixth Circuit Dr. David Jankowski’s medical clinics relied on several unusual billing and prescription practices, many of which were illegal and Jankowski fraudulently billed Medicare for services he did not provide and prescribed controlled substances to patients whose conditions did not call for such treatment, with some patients unlawfully trafficking their prescribed drugs. In United States Of America v. David Jankowski, M.D., No. 23-1404, United States Court of Appeals, Sixth Circuit (October 23, 2024) the Sixth Circuit disposed of the fraudsters claims on appeal. Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf More McClenny Moseley & Associates Issues This is ZIFL’s thirty sixth installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be an effort to profit from what some Magistrate and District judges indicate may be criminal conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. 10/24/2024 MMA BANKRUPTCY HEARING TO DECIDE WHETHER TRUSTEE WILL BE APPOINTED Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf Injured While Drunk on the Job Gets Workers’ Compensation Benefits An appellate court in New York has upheld a decision of the Workers’ Compensation Board in favor of an injured employee of an electrical contractor company because intoxication was not the sole cause of the accident. Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf Man Bites Dog Story: Fraudsters Arbitration Attempts Stopped Arbitration Stayed for Suspected Chiropractors’ Fraudulent No Fault Medical Claims Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf In Government Employees Insurance Company, (“GEICO”) v. Didier Demesmin, M.D., et al, No. 23-CV-6191 (ARR) (MMH), United States District Court, E.D. New York (October 23, 2024) GEICO sought to enjoin defendants Manuel A. Mendoza, D.C. and Mendoza Chiropractic Office PC (collectively the “Mendoza Defendants”) from pursuing certain “no-fault” insurance collection arbitrations or initiating new collections proceedings during the pendency of this lawsuit. Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf Health Insurance Fraud Convictions Louisiana Nursing Home Owner to Pay $8.2M for Misusing Assets During Ida Bob Dean Jr a Louisiana nursing home owner and several companies he operated have agreed to an $8.2 million consent judgment to resolve allegations that they misappropriated and misused the assets and income of four nursing homes in Louisiana before and after Hurricane Ida’s landfall in August 2021. Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf Officer Caught Aiding Criminals for Cash Police Officer who took Bribes from Insurance Fraudster Convicted Demarkco Johnson (“Johnson”), appealed his convictions for taking bribes about insurance fraud. Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf Convictions of Other Than Health Insurance Fraud Former Lake Forest Agent Convicted On 90 Counts Of Insurance Fraud After Stealing Nearly $200,000 In Premium Payments Karen Marie Dondanville, 56, of Mission Viejo, California, a former Lake Forest insurance agent was convicted on 90 counts of insurance fraud after stealing nearly $200,000 in premium payments. Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf The Need to Understand the Mutability of Memory Investigators and lawyers believe what they are told by eye witnesses who describe what he or she says with conviction. However, every professional investigator or litigator must know that memory is not necessarily accurate because very few people have a perfect eidetic (photographic) memory. Memory is a fluid and often unreliable human function. Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome. Go to the podcast Zalma On Insurance at https://podcasters.spotify.com/pod/show/barry-zalma/support; Write to Mr. Zalma at [email protected]; http://www.zalma.com; http://zalma.com/blog. Go to Zalma’s Insurance Fraud Letter at https://zalma.com/zalmas-insurance-fraud-letter-2/; Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ and GTTR at https://gettr.com/@zalma Read the full article and all 18 pages of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/10/ZIFL-11-01-2024.pdf

Who’s on First & in What Percentage Application of Diverse “Other Insurance” Clauses Insurers Protected Insured and Litigated Their Differences Post 4920 Two insurance companies- Gemini and Zurich- asked the Eleventh Circuit Court of Appeal to determine what share of a $2 million settlement each is required to pay. The district court entered judgment for Gemini, ordering that Zurich pay $500,000 plus prejudgment interest. Both parties appealed, with Gemini seeking another $500,000 and Zurich challenging the award of prejudgment interest. In Gemini Insurance Company v. Zurich American Insurance Company, No. 22-13495, United States Court of Appeals, Eleventh Circuit (October 23, 2024) the competing “other insurance clauses” were resolved. FACTS After the death of Josue Vallejo, who was struck by a tractor-trailer operated by an employee of FSR Trucking, Inc two of three insurers disputed what proportion of the settlement each should pay. Zurich insured FSR, through its coverage of Commercial, for $1 million. Gemini also insured FSR for $3 million. The Vallejo claim settled for $3 million, of which Gemini contributed $2 million. Ryder’s insurance company, which is not a party to this appeal, contributed the other $1 million. Gemini and Zurich agree that they each owe a share of the $2 million, but dispute how much each one must pay. Under Gemini’s theory, they each owe $1 million. Under Zurich’s theory, they each owe their pro rata share, which is $500,000 for Zurich and $1.5 million for Gemini. The different theories of coverage turn on the application of the two policies’ “other insurance” clauses, which generally function to apportion coverage when there is overlapping insurance. Gemini argues that its policy is excess to Zurich’s, while Zurich argues that the policies attach at the same level and thus trigger pro rata contribution. Gemini sued Zurich for a declaratory judgment in its favor and an award of $1 million plus interest under claims of contractual subrogation or equitable subrogation/contribution. Zurich tendered $500,000 to Gemini to satisfy its pro rata share. Gemini, however, continued to litigate for the other $500,000 plus interest on the entire amount. Gemini appealed the District Court’s ruling in favor of Zurich and sought to obtain the other $500,000. ANALYSIS In Florida, where more than one insurer’s policy provides coverage for a loss, as the parties agree is the case here, it is appropriate to review the insurance contracts to see if the documents address the ‘ranking’ or contribution of other insurers. The Other Insurance Clauses Gemini’s “other insurance” clause provides: “This insurance is excess over and shall not contribute with any of the other insurance, whether primary, excess, contingent or on any other basis. This condition will not apply to insurance specifically written as excess over this policy.” Zurich’s “other insurance” clause is slightly different. “When this Coverage Form and any other Coverage Form or policy covers on the same basis, either excess or primary, we will pay only our share. Our share is the proportion that the Limit of Insurance of our Coverage Form bears to the total of the limits of all the Coverage Forms and policies covering on the same basis. Interpretation of the “Other Insurance” Clauses Where two insurance policies contain excess insurance clauses the clauses are deemed mutually repugnant and both insurers become primary and share the loss on a pro rata basis in accordance with their policy limits. Zurich argued, and the district court agreed, that both policies contain excess clauses such as pro rata contribution results. The Eleventh Circuit Court of Appeals sided with Gemini because when two policies containing conflicting “other insurance” or excess [uninsured/underinsured motorist] clauses. In sum an “other insurance” clause containing the phrase “we will pay the proportion of damages payable as excess” means that the clause was pro rata, even though it also characterized itself as an excess clause. Moreover, the Eleventh Circuit concluded both policies were primary. The Eleventh Circuit reversed the district court’s resolution of the cross-motions for summary judgment with regard to the amount of contribution and remanded the case for entry of judgment in favor of Gemini for the principal amount of $1,000,000, with the understanding that Zurich has already paid half of that sum. Upon entry of the amended final judgment on remand, Gemini will be the prevailing party. When a verdict liquidates damages on a plaintiff’s out-of-pocket, pecuniary losses, plaintiff is entitled, as a matter of law, to prejudgment interest at the statutory rate from the date of that loss. The Eleventh Circuit reversed the district court’s resolution of the cross-motions for summary judgment and remanded for the court to enter judgment in favor of Gemini in the principal amount of $1,000,000 understanding that Zurich has already paid $500,000. It also affirmed the award of prejudgment interest on the first $500,000 and direct the court to award Gemini prejudgment interest on the second $500,000 from February 7, 2019, until the date of the amended final judgment. ZALMA OPINION The three insurers of the defendant did the right thing by protecting the insured and then resolving their dispute over the share owed in court. Although insurance companies, generally, should not sue each other. “Other Insurance” clauses invariably raise disputes between insurers and often cause hardship to the insured. In this case Gemini, Zurich and an unnamed insurer put up the $3 million to settle and then Gemini and Zurich sued to clarify who owed what. The Eleventh Circuit found that the District Court was wrong because interpreting the competing “other insurance” clauses should have resulted in a finding that both Gemini and Zurich were primary insurers and each owed $1 million of the settlement and Zurich owed Gemini $500,000 plus interest. (c) 2024 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos. Subscribe to my substack at https://barryzalma.substack.com/subscribe Go to X @bzalma; Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg Go to the Insurance Claims Library – https://lnkd.in/gwEYk

Fraud, shell companies, fake Indigenous businesses: Trudeau's 'reconciliation' contracts in chaos! The federal government's 5% Indigenous contract program is failing amid allegations of fraud and minimal, if any, oversight. 🇨🇦 #NoMoreLiberalsAndNDP 🇨🇦 🇨🇦 #SayingTheQuietPartOutLoud 🇨🇦 🇨🇦 #resigntrudeau 🇨🇦 🇨🇦 #JustSayNoMore 🇨🇦 https://www.rebelnews.com/fraud_shell_companies_fake_indigenous_businesses_trudeaus_reconciliation_contracts_in_chaos

GOOD MORNING FRIENDS AND FOLLOWERS: THE FIRST VIDEO FOR TODAY IS A FRAGMENT OF A LONGER VIDEO CALLED "THE META TAPES". IT'S A COLLECTION OF VIDEO CLIPS, TAKEN BY HIDDEN CAMERA TO HIGH LEVEL EMPLOYEES OF 'META' (THE PARENT COMPANY OF FACEBOOK). IN THEIR EXPRESSIONS, THEY CANDIDLY DESCRIBE HOW THE CENSORSHIP WORKS IN THOSE 'MAINSTREAM' SOCIAL MEDIA SITES, USUALLY TAKING DOWN, SHADOWBANNING, ADDING FACT CHECHING OR ADDED COMMENTS TO DEBUNK OR TAKE AWAY THE CREDIBILITY OF MATERIAL. THEY USUALLY DO THAT TO CONSERVATIVE OR RIGHT WING MATERIAL OR POSTS BY USERS. AS PRIVATE COMPANIES, THEY ARE ALLOWED TO HAVE THEIR OWN EDITORIAL POLICIES AND NOT NECESSARILY HAVE TO ABIDE BY THE FIRST AMENDMENT. I'M NOT A LAWYER BUT, IN MY OPINION, THE FIRST AMENDMENT GRANTS TOTAL FREEDOM OF EXPRESSION IN THE PUBLIC SQUARE, NOT INSIDE PRIVATE INSTITUTIONS LIKE CHURCHES, MEDIA COMPANIES, etc. HOWEVER, IF A PRIVATE COMPANY RUNS A SOCIAL MEDIA SITE, FREELY PERMITTING ANYBODY TO OPEN AN ACCOUNT WITH THE PURPOSE OF OPINING, DISCUSSING AND SHARING AUDIO-VISUAL MATERIAL WITH OTHER PEOPLE, THAT SITE BECOMES THE 'PUBLIC SQUARE' AND SHOULD ABIDE BY THE FIRST AMENDMENT. IN MANY CASES, THEY EVEN CANCEL AND CLOSE ACCOUNTS OF CERTAIN PEOPLE, BASED SOLELY ON OPINIONS EXPRESSED AND IDEOLOGY. I KNOW BY MY OWN EXPERIENCES. IN THE NEXT VIDEO (AFTER THIS ONE) I'LL EXPLAIN MORE ABOUT THE NEW TRICKS USE FOR CENSORSHIP IN SITES LIKE 'X' (FORMERLY TWITTER), WHERE THE OWNER (ELON MUSK) PERMITS A MAXIMUM OF FREEDOM OF EXPRESSION.

Amazing that imgflip FEATURED this meme. As with most BigTech companies, they seldom feature an opposition meme. About That Elephant in The Room. https://imgflip.com/i/965e33

Vani Hari U.S. food companies serving American citizens harmful ingredients that are banned https://old.bitchute.com/video/VMGWpEII5KjY/