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Phillip Naples, Co-founder and CEO of Insurtech Startup Layr is a 2020 recipient of the Innovator Award. The Innovator Award is presented by the Georgia State University Risk Management Foundation to individuals and companies changing and influencing the insurance and risk management industries in dynamic ways. The award will be presented at the Foundation's 6th Annual Risk Science and Insurance Leadership Awards -- Riskies.

It has been over 14 years since New Englanders have seen the likes of pro tennis. The last time a pro tennis tournament of this caliber was local to New England, it was held at the Longwood Cricket Club in Brookline Mass. This year marks the birth of the Thoreau Open, which will feature top-ranked players from all over the world, including those who will play in the 2019 women's US. Open. Players representing over 30 countries will compete for $60,000 in prize money.

Slow but positive change is expected in key trends and developments in pet products in 2014. The trends that shaped growth in 2013 are anticipated to continue in the short term. Pet products is predicted to register faster retail value sales growth in 2014, compared with the review period CAGR.

Poland is one of the largest telecoms markets in Central and Eastern Europe, with vibrant competition across all market segments. This has benefited consumers through service innovation and lower prices, but operators' aggressive marketing strategies have increased the downward pressure on average revenues per user, which continue to trend downwards and result in narrowing margins . In light of this recent experience operators are targeting growth of high value high - speed fixed broadband subscription growth, as well as mobile broadband growth via dedicated subscriptions and smartphones. These opportunities should allow operators to develop data revenues and help offset declines in traditional services revenues such as voice and SMS.

The Argentine economy is reeling following the January 2014 currency devaluation. Economic growth has slowed markedly, prompting us to revise down our real GDP forecasts, as soaring inflation discourages investment and erodes purchasing power. Furthermore, the slowdown in economic activity has prompted a widening of the fiscal deficit, in line with our expectations, as government spending accelerates, and weak growth weighs on revenues. Moreover, we see further weakness for the Argentine peso, as the authorities allow for a gradual depreciation of the currency to address a widening spread between the black market and official exchange rates.

This report is the result of Timetric's extensive market research covering the aggregates market in Portugal. It contains detailed historic and forecast market value data for the aggregates market and its categories (construction sands, gravel & pebbles, crushed stone, chippings, waste-based aggregates and pre-coated aggregates), including data by domestic production, supply balance, existing stock, imports and exports. 'Aggregates in Portugal to 2018: Market Databook' provides an overview and insight into the operating environment of the aggregates industry in Portugal. It is an essential tool for companies active across the Portuguese construction value chain and for new players who are considering entering the market.

Morcher Gmbh (Morcher) is a medical device company. The company develops, manufactures, and distributes implants for cataract surgery. It offers products such as capsular rings, foldable IOLs, PMMA IOLs, aniridia implants, and special implants. Morcher offers capsular rings such as capsular edge rings, capsular tension rings, capsular tension segments, cionni rings for scleral fixation, and foldable closed capsular rings. The company's special implants include diplopia implants, microphthalmus IOLs, myopia IOLs, pupil dilators, sclera foldable IOLs and sclera PMMA IOLs. It manufactures medical devices for eye surgery and the related ophthalmology. Morcher is headquartered in Stuttgart, Germany.

The Future of the Syrups & Spreads Market in Israel to 2018 is the result of Canadean's extensive market research. The report presents detailed analysis on the Syrups & Spreads consumption trends in Israel, historic and forecast Syrups & Spreads consumption volumes and values at market and category level, brand share and distribution channel data. This report brings together Canadean Intelligence's research, modeling and analysis expertise in order to develop uniquely detailed market data. This allows domestic and foreign companies to identify the market dynamics to account for Syrups & Spreads sales overall and to know which categories and segments are showing growth in the coming years.

The headwinds in the South African economy have weighed on both life and non-life insurers in 2014. However, we see the life sector as being able to ride out the storm better due to the more diversified footprint of the larger life insurance players across the whole of Africa. Over the 2015-2018 per iod, we expect total gross premiums to average 16.0% annual growth and we see the life segment outperforming the non-life segment during this period.

The Spanish petrochemicals industry is witnessing a solid recovery following a period of a sharp and prolonged downturn. Strong export growth will be crucial to the revival of the sector, but the industry will not get back to previous levels of production due to permanent plant closures in recent years, according to BMI's latest Spain Petrochemicals Report.

Household Cleaners in Belgium by Mintel Market Sizes provides you with annual year-end market size data, most recently updated in 2014. This market covers hard surface cleaners, bleaches/disinfectants, washroom, kitchen and other cleaners and polishes. Market size comprises sales through all retail channels including direct to consumer. Market size for Household Cleaners in Belgium is given in EUR with a minimum of five years' historical data. Market Forecast is provided for five years. Included with this snapshot is socio-economic data for Belgium. Population, Consumer Price Index (CPI), Gross Domestic Product (GDP), Exchange Rates.

Brazil's traditional commitment to healthcare, strong government support for the provision of medical services, promising private healthcare growth and the expanding middle-class mean that there are significant revenue-generating opportunities for drugmakers, medical device companies and healthcare service providers. However, multinationals will continue to face increasing government intervention and domestic competition.

Despite an uplift in consumer confidence stimulated by the gradual economic recovery in Germany, home furnishings did not manage to build on its strong sales performances of the previous three years. In 2013, value sales shrank slightly, mainly driven by increased competition in home furnishings, which in return put pressure on unit prices and led to overall sales decline. Nonetheless, value growth was polarised in 2013 between the different products and companies, with some brand manufacturers and retailers associated with home furnishings indicating robust sales in Germany.

Spirits in France by Mintel Market Sizes provides you with annual year-end market size data, most recently updated in 2014. This market covers all spirits (distilled beverages) and liqueurs (flavoured with fruit, herbs etc.). Market size is based on retail (off trade) and non-retail (on trade and food/other industries) sales. Market size for Spirits in France is given in EUR and litre with a minimum of five years' historical data. Market Forecast is provided for five years. Included with this snapshot is socio-economic data for France. Population, Consumer Price Index (CPI), Gross Domestic Product (GDP), Exchange Rates.

The NAFTA Personal Hygiene industry guide provides top-line qualitative and quantitative summary information including: market share, market size (value and volume 2009-13, and forecast to 2018). The guide also contains descriptions of the leading companies including key financial metrics and analysis of competitive pressures within the market.

Hosiery in Japan increased by 1% in current value terms to reach 589 billion in 2013. Even though tights continued to decline, socks and other hosiery recorded positive growth, which boosted total value sales of hosiery. Tights did not perform well in 2013 because women continued to switch to stockings. Additionally, the popularity of leggings negatively impacted the performance of tights in 2013. Leggings differ from leggings in that they are made of thicker fabrics, so that women can substitute regular trousers. They differ from skinny jeans and trousers because leggings are made of more stretchable fabrics. The main consumers are women in their 20-30s, many of whom prefer colourful and patterned leggings. The most popular trend in 2013 was flower patterned leggings rather than coloured and patterned tights. In contrast, men?s tights increased sales due to the popularity of functional tights for sports.

South Africa experienced a tough year from a political standpoint in 2013. Labour unrest and striking resulted in problems with the harvesting of grapes. There was also the burning of vineyards by workers demanding higher wages, which had an impact on the overall grape harvest and curbed the growth potential of wine in the country.

There is a growing patronage of wine in Nigeria compared to the growth experienced in other alcoholic drinks categories. The taste and preference of Nigerians, both male and female, is beginning to adapt and adopt wine as a favoured drink, especially at public functions and indoor celebrations. The options of availability in alcoholic and non/low alcohol form has made wine an alternative to beer. The social status it also confers on drinkers, who consider it to have more status than drinks such as beer and gin, has also made it popular. Furthermore, the ready presence of these drinks in modern retail channels such as hypermarkets and supermarkets, and in independent small grocers, has also contributed to growth. Furthermore, wine is increasingly preferred as a gift during special occasions/celebrations and also during festivities like the yuletide season when growth is known to rise steeply compared to other times during the year.

Travel retail recorded a relatively successful year in 2013, rising in current value by 6%. This positive performance was based on improvements in the general mood of Polish people and the return of optimism to Polish society. This made more Polish people more prepared to incur expenditure on travel and tourism. In addition, improvements in the quality of travel retail products and services on offer and more intensive promotional campaigns conducted by the leading tour operators also made travel retail a more attractive proposition for more Polish consumers towards the end of the review period. For instance, during 2013 the leading tour operators in the country enjoyed increasing success with their so-called "first minute" offers, which are in essence presales organised some months prior to the date on which tours depart.

With disposable incomes increasingly squeezed by the economic crisis and rising unemployment, consumer behaviour has changed considerably. This has affected the consumption patterns of tissue products as consumers started to buy only what is absolutely necessary. Consumers no longer stockpile products and prefer smaller packs. Value for money is the key trend, with most Portuguese not brand-conscious and merely choosing a product based on its price.

Fundamental issues in Brazil's business environment will continue to undermine growth potential in the country's construction sector. Despite the success of transport concessions and power auctions, which will help to revive the construction sector from recession in 2015, this recovery is unsustainable over the longer term. We anticipate a longer term slowdown as fundamental weaknesses emerge and financing sources are exhausted.

The Kuwaiti government's dominant role in the oil and gas sectors is still the main challenge to private investment, and by extension, greater efficiency in the sectors. Kuwait's overwhelming dependence on oil and natural gas exports, which consistently invites government intervention, has and will continue to create a less competitive investment climate within the country. The government has managed to make measured strides in increasing production , but without more private sector investment, BMI expects that Kuwait will miss its 2020 target of 4mn b/d. On the natural gas front, Kuwait's modest reserves will eventually see it decline in production. This, in turn, will render imports more valuable to its overall domestic energy basket.

Bottled water maintained its robust growth in 2013 based on an expanded consumer base and diversified product offerings. It was one of the most dynamic categories within the total soft drinks market and players were eager to capitalise on the booming demand. According to an article from chosun.com, the number of brands of bottled water exceeds 210 with varying degrees of prices, as there is no local regulation to control bottled water prices. Among the multitude of brands and choices, Jeju Samdasoo steadily maintained its leading position due to the high quality of the natural water source on Jeju Island that is impossible to imitate. The price of Jeju Samdasoo is slightly above the standard in bottled water due to its premium image and extra distribution costs from the island to the mainland. In 2013, the brand went through a change in its main distributor to Kwang Dong Pharmaceutical, as well as increased production capacity from May to resolve the undersupply issue during the peak summer months.

This report is the result of Timetric's extensive market research covering the windows and doors market in Philippines. It contains detailed historic and forecast market value data for the windows and doors market and its categories (wooden windows & doors, plastic windows & doors, iron & steel windows & doors and aluminum windows & doors), including data by domestic production, supply balance, existing stock, imports and exports. 'Windows and Doors in Philippines to 2018: Market Databook' provides an overview and insight into the operating environment of the windows and doors industry in Philippines. It is an essential tool for companies active across the Philippine construction value chain and for new players who are considering entering the market.

The worsening of the Italian economy has led Italians to reduce their spending on non-essentials and only purchase products when absolutely necessary. This trend does not favour categories which offer more long-term benefits, such as vitamins and dietary supplements. Although more and more consumers became familiar with these products over the review period, many Italians started to forgo buying vitamins and dietary supplements as they could not justify spending on them. With the current economic situation, only a minority of Italians continued to purchase vitamins and dietary supplements in 2013. These consumers have a greater appreciation of innovations and more ad-hoc products targeted at the specific needs of various groups.

Beer in Slovakia stagnated throughout 2013 in terms of volume sales. Consumers were slowly shifting from beer to other types of alcoholic drinks or abandoning their consumption. Consumers switched from standardised economy and mid-range beer brands (offered by major manufacturers, sometimes referred to as "euro-beer") towards more sophisticated products such as artisanal beer brands, beer specialties, flavoured beer or non-alcoholic beer.

This report is the result of Timetric's extensive market research covering the concrete and cement market in Poland. It contains detailed historic and forecast market value data for the concrete and cement market and its categories (Cement Clinker, Factory-Made Mortars, Portland Cement, Refractory Cements, Mortars & Concretes, Other Hydraulic Cements, Ready-Mixed Concrete and Prefabricated Structural Components), including data by domestic production, supply balance, existing stock, imports and exports. "Concrete and Cement in Poland to 2018: Market Databook" provides an overview and insight into the operating environment of the concrete and cement industry in Poland. It is an essential tool for companies active across the Polish construction value chain and for new players who are considering entering the market.