![]() Since February 2016, Norton 360 products have been regularly awarded one of AV-Test’s top recommendations. Overall, Norton 360’s products are rated ‘perfect,’ achieving full-on 6/6 scores from AV-Test almost regularly for the past 5 years of testing. This is backed up both by the lab results, singing Norton 360’s praises (see below), and what we discovered from our extensive testing across its malware, phishing, and ransomware protection. ![]() Norton’s offers are regularly rated as having perfect accuracy and security across all of Norton antivirus’ features. Pros and consĪlthough Norton Security isn’t the cheapest software option, it outperforms the vast majority of other antivirus suits, and the false positives happen rarely.Ħ0-Days Money-Back Guarantee Reliability and Security Moreover, it is one of the best antivirus for home use. Therefore, this solution would be an excellent pick for minor businesses and corporate users (read more in our article – “ Best antivirus software for your business“). ![]() It’s not the cheapest solution on the market, but it is an antivirus leader for a reason, and let’s face the truth – it had some great solutions for your offline security too. So, if you have doubts about chosing a software, you are likely to find a solution after reading the particular piece! Norton Antivirus: Is Norton Any Good?īefore all, Norton antivirus gets really impressive independent lab test results, and we also enjoyed the Norton Family option, VPN and password manager (both of which we found to be super useful). Under it, we will cover the best features of the Norton antivirus, its advantages, weak points, as well as evaluate its processes and work of the support team. These assumptions are just a part of our Norton Review. Nevertheless, we think most users will be more than fine with its 5-device license (available on its middle-tier plans, from Norton 360 Deluxe and upwards). Going ahead, you’ll be able to use Norton 360 on either 1 device (on its lowest plan) up to a range of unlimited devices (once you look at its premium plans). With a range of innovative and deep-reaching features (both online and offline), Norton’s different plans provide everything you need for in-depth antivirus protection and safety beyond your device. There are plenty of antivirus solutions, while not all of them are the same.
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![]() The pair "H2OVanoss" or "Vanirious" sky rocketed because one of their friends, DaithiDeNogla (who's also part of the Banana Bus Gang), made a video which stated that they were the new YouTube couple.Delirious' second gamer-tag was H2O Delicious (created in 2010) but it was later changed back to H2ODelirious.The previously unlisted first gaming video on his channel, " MW2 Tea-Bagging Song," was finally released to the public in celebration of reaching 4 million subscribers.Has a brown American Pit bull Terrier as a pet.Is originally from North Carolina, and attributes his slight accent to being from the region, although he does not hear the accent himself.Started creating his own gaming content in an attempt to emulate his favorite YouTubers and eventually became well known for his ninja defusing videos from Modern Warfare 3.Of all the people he plays and makes videos with, the only people he knows in person are: CaRtOoNz, who used to date his sister and BigJigglyPanda who is his next door neighbour.They eventually became friends and went on to collaborate on future projects. He met Vanoss and his friends by originally being a fan of his videos, asking if they would ever like to play together.His theme song, Delirious Outta My Mind, comes from a hip-hop group by the name of Deliri0us.He combined his previous handle, Delirious, with the H2O tag that we recognize today. ![]() ![]() Delirious got his current name after joining the H2O clan in his Gears of War days.Delirious' only quote from seeing his fathers suicide was: " NOOOO!!!! FATHER!!!" "HAHA, look Vanoss, I'm violating your body!" ".Yes I am, I was trying to scare you but now I'm scared." "Whats going on?! I don't know whats going on!" "I'm a professional driver, emuhmm flyer, AAAAA PILOT!" "Why did we let the pig join our fucking zoo?" "Holy shit! Look at this shark eating a cheeseburger!" Currently has over 590 videos of gaming related content.Gets roughly 5k new subscribers daily and over 45k weekly.Currently has over 510 million video views, making him the 600th most viewed channel on YouTube.Currently has over 8 million subscribers, making him the 127th most subscribed channel on YouTube.His channel (just like Vanoss), YouTube channel has a relatively fast-growing fanbase.Naruto Shippūden : Ultimate Ninja Storm Revolution.He schedules to upload videos 3-4 videos weekly. H2O Delirious started YouTube on May 24, 2007. When you complete creating turns, carry it to the inside and affix it as a bun.Presently, it’s time you make flat turns for each area of both upper and lower divides.For each part, make different segments relying on the thickness of your hair.Gap your hair into two sections: the upper and the lower part.To create a hairdo as in the picture, follow the simple procedure as listed underneath: It is always better to be creative with any form of hairstyle to make a manageable style appear graceful. You don’t need to think twice about it, go, girl! Red Hot! Additionally, the red hue gives that additional touch for a cheeky glimpse. It will appear stylish and sophisticated even for a casual day out.ĭo you yearn to be seen as sassy even with the most relaxed hairdo? If such is the case, the thick flat twist, as in the picture styled in a round pattern, is what you need to undertake. And, to make it extra attractive, part your hair in multi-direction and make twists on each partition. Twists are, without a doubt, easy to make and enchanting. We have flat twist hair designs gathered for you to set out your hair with the upgrade that it requires. Regardless of the hair length and texture, cherish it and toss on that African hair vibe. Also, the twists are easy to make and much more straightforward to shake around and intrigue individuals. It is so pretty and bizarre anyone can succumb to this hairdo. We are moving towards retrieving the past fashion, where these twist hairstyles come in as a bang. ![]() We can consider flat twist as a hairdo that is not very intricate and immense, but, mostly preferred by women in the past. Besides, it is similar to cornrow braids that we have already discussed in some of our previous articles. The hairstyle of this kind blends well in afro-textured hair. Like braids, flat twist hairdos’ are also very common amidst the ladies who prefer striking that fabulous glance. There are three ways to open up Adobe Camera RAW and make changes to your photos. How To Edit In Adobe Camera RAW With Mastin Labs Presets So, if you’ve got a background image with adjustment layers above it, but you decide you want to change the preset you applied, you can double-click the smart object background layer to re-open the Camera RAW filter and make changes. Smart Objects allow you to revisit and make changes to your raw edit within a layer structure using the Adobe Camera RAW filter inside Photoshop. From both Lightroom and Adobe Camera RAW, you can open an image in Photoshop as a smart object. While it is possible to make batch edits in Adobe Camera RAW, it’s much less streamlined and efficient.Įven die-hard Lightroom users can benefit from familiarity with Adobe Camera RAW’s interface, though. This drastically cuts down editing time for photographers who shoot and deliver tons of files to their clients, like wedding photographers. Lightroom makes it simple to sync edits across photos. You’re probably getting the feeling by now that Lightroom is for thematic, continuous editing, and Adobe Camera RAW is more of a choose your own adventure, one-off editing experience.Īnother way this concept shows itself is batch editing. Lightroom is a more focused and curated experience that begins with importing your photos into its environment, and Bridge lets you find images anywhere on your machine or hard drives and go to work on them where they are. Where Lightroom actively manages your photos, Bridge is for browsing. On the other hand, Adobe Camera RAW is the raw processor built into Adobe Bridge, which allows you to peruse your photos more passively. Lightroom is essentially a catalog-based asset management software that also happens to be a full-featured raw editor. ![]() What does differ between the two is the workflow. Whether you apply a preset from Lightroom or Camera RAW, there is absolutely no difference in what happens to your photo. xmp preset file, stored within Adobe Camera RAW’s folder structure. Since Lightroom version 7.3, presets for Adobe Camera RAW and Lightroom are exactly the same. If you’re wondering what the differences between Adobe Capture RAW and Lightroom are or you’re curious how to use Adobe Camera RAW, we’ve got answers. Since an Adobe Creative Cloud subscription contains both programs, you can take your pick and edit however you’d like. While most Mastin Labs users work in Lightroom, our preset packs also work in Adobe Camera RAW. These presets have been tested on Canon and Nikon photos as well.Adobe Lightroom and Camera RAW are two slider-based programs for processing raw files that allow you to reach the same end via different means. Henry’s gear: Sony A7Riii and Sony A7iii. White balance: either Cloudy or in Kelvin depends on whether we have coffee or not (haha) Just a bit under-expose to normal expose. Download link will expire 24 hours after purchase. Although this preset is intended for in-home sessions, it has slowly become one of our favorites for soft light images. Moody, keep the dark tones dark, and keep skin warm and natural. If you are looking for a perfect indoor preset, this is it. HD - Whidbey: Named after Henry’s most favorite place in Washington, Whidbey Island. Warm all over, preserve the blue tone, and the most true to tone. HD - Ruby: Named after the iconic Ruby Beach, this is the most versatile one from the pack. Trust us, this is moody with a pop for sure :) For a dramatic black and white, you must try this one. HD - Rattlesnake: Named after Rattlesnake Mountain. ![]() HD - Olympic: Named after the Olympic National Park, this is the very first preset from all of our collections to include a cool highlight for a vintage look while maintaining warm skin. 4 Presets named after iconic places in the state of Washington: HD Presets Pack 2 for Adobe Lightroom and Adobe Camera Raw by Henry's Diary (Henry Tieu Photography) ![]() It does this in two ways: by testing your existing knowledge of Adobe Photoshop CS3 and by. Adobe Photoshop CS3 ACE Exam Aid v.3.0 Adobe Photoshop CS3 ACE Exam Aid 3.0 is a speedy and innovative tool which streamlines the task of studying for the Adobe Certified Expert (ACE) certification.It can test your knowledge, provide extended answers and point you to specific. Adobe Photoshop CS ACE Exam Aid v.1.0 The Adobe Photoshop CS ACE Exam Aid can streamline the task of studying for the Adobe Certified Expert Exam (ACE) by focusing on the areas recommended for study by Adobe.This causes the display to redraw in smaller pieces, reducing the time. This plug-in reduces the size of the Photoshop image tiles. Photoshop Adjusted Refresh v.1.0 The Adjusted Refresh plug-in addresses the time it takes to visually preview some filter updates in Adobe Photoshop CS.Filter Forge Professional v.1.020 Filter Forge Professional is a high-end plugin for Adobe Photoshop allowing computer artists to build their own filters - seamless textures, visual effects, distortions, patterns, backgrounds, frames, and more.Ascii-art.8bf v.0.0.2 Plug-in for Photoshop + GIMP to create ASCII-art pictures.Running an intensive process like Photoshop filter or a 3D render can be sped up with. When your Mac is clogged with lots of extra processes, the amount of power it can give to any one program is lessened. Bokeh for Mac OS v.1.0.1 For people who have software with big needs.Series 3: Screens Filter converts gray scale images into a wide variety of different line art. Series 3: Screens Photoshop Filter v.1.6.2 Series 3: Screens Photoshop Filter 1.6.2 is a useful editor tool which allows you to convert gray scale images into line art screens in Adobe Photoshop.Surely with the identification of spots taken care of Adobe engineers could easily figure out a way to perform automatic context-aware or AI removal of the dust spots in the images. The reference photo could be updated at any point (before a shoot or even during one). It wouldn't require AI to identify the spots. What if Adobe developers created something that allowed us to take a shot (High f/stop, shot at a white background close to the camera, distance at infinity), which would show just dust spots, and then in Lightroom designate the image as a "dust reference shot," and then use it to map spots in a set of selected images, and have the software remove the spots automatically. I've used it and not found it overly accurate. It only works with Canon cameras, of course, and only with their DPP photo processing software. What about Something like Canon's dust delete data?Ĭanon has a feature in most of its cameras that allows you to acquire a "photo" against a white background that maps the dust spots on the sensor and then appends that data to images shot thereafter. But I would rather be able to be able to do something that automatic in Lightroom Classic. There is at least one vendor scheduled to release software that will remove spots automatically via AI. Nonetheless, it is a less than perfect solution in this day and age. The spot removal tool isn't bad, and the 'visualize spots' function helps quite a bit, and I understand about syncing the spot removals across a bunch of images. Short of that, to use the camera I need to shoot at f/8 or lower, or tediously remove the spots in Lightroom. I can't find much information about how or why this would happen, but the short of it is that the sensor would have to be replaced to eliminate them-several hundred dollars. ![]() ![]() Until recently I have not worried too much about dust spot removal, but recently my Canon 6D II developed spots under the low pass filter. I'm sure an automated solution exists, but meanwhile, I'd be pleased to see improvements to the spot healing tool, possibly in the form of an extra button to tell it when I'm healing a scratch not a spot, so it can use a different algorithm. Amusingly, it occasionally replaces the subject of my image with more of the blemish I'm trying to remove. In this case, I draw a line joining them. It often replaces a spot with pixels containing a similar spot and the two spots just alternate as I try to eliminate them. But it does also have a few torments: It often replaces scratches with two parallel lines, one either side of where the scratch was, and sometimes, just with a segment from a bit further along the scratch. I mostly use the spot healing brush in Photoshop, and its success rate is well over 99 percent, often producing magical results. While I like automation and notice a little grumpiness among some comments, I think Adobe appears a little slow because it is a genuinely difficult problem, and even more than one problem, with at least three communities: digital image improvers, battered slide repairers, battered photo repairers. There’s a haunting figure in a coat that will periodically appear in-person or through phone calls that come from the payphones spread around maps. What this allowed me to do is take the world in. Environments are thrilling and do have some deep horrors around each corner, but they all remain at a slow atmospheric pace. Where In Sound Mind will win some and lose others is that it isn’t as terrifying as trailers may suggest. Domineering architecture and dark corners await. Skies are purple and dark clouds roll in. These environments are intriguing in the sense that while they look of this world, taking a further glimpse at the surrounding areas reminds you of the nightmarish dreamscape you’re in. A large shopping superstore, a beachside area with a lighthouse and an abandoned trainyard are just some of these places. These locations you visit are largely the scene of the crime where your past patients have tragically died. It’s a loop that works quite well in a horror setting. At the end of any given level, you’ll have completed your task of calming the spirit of the patient down and helping them pass on. Doors (serving as portals) to these other areas are revealed by listening to tapes with a given ex-patient. Travelling into these worlds is visually striking and at times share vibes with Silent Hill. Where these worlds come from are realities based on patients our hero has previously failed. In Sound Mind has players controlling a washed-up therapist, offering constant delving into other worlds that are vivid and imaginative. In Sound Mind’s ethereal worlds aren’t perfect, but they are tantalising It’s a solid horror game with some good ideas, just shy of greatness. In Sound Mind, an atmospheric experience that’ll likely go under many’s radars, is just this. When these succeed, they’re a great feat and a wonder to behold. It’s when you have a little less budget that creating horrors can prove more challenging and beg for more creative solutions. ![]() ![]() ![]() With a big budget, horror games can be encapsulating, cinematic and enthralling. The smaller, more indie leaning side of horror games has always been intriguing to me. ![]() Images that have previously been edited using Capture NX2 can be further edited in Capture NX-D however while U-point adjustments will be applied to the images, the U-points won’t be editable.įloating palettes can be arranged in a workspace that best supports your workflow style and needs-even positioned on a second monitor-and you can choose from seven different display styles. NRW file is processed, it can then be moved to other imaging applications in a 16-bit TIFF format for further editing or retouching in other programs such as Adobe® Photoshop® or even Nikon Capture NX2. Similarly, don’t rename the image adjustment file as it and the original image are linked via the file name and doing so will cause changes to be lost or applied to another image. If this folder or the image adjustment file is deleted, changes will be lost. If you backup your images to an external hard drive, removable media or the cloud, you will need to make sure that this folder stays with the original images. The sidecar file with the image adjustments, are stored in a “ NKSC_PARAM” folder in the same folder as the original image. Capture NX-D uses the same genuine Nikon RAW processing engine that you're already used to working with so migration to the new software will be seamless and consistent from image to image. ![]() NRW files in Nikon Capture NX2 or Nikon View NX2 will find the new Capture NX-D quicker in its processing time and intuitive to use. Photographers who are used to working with their. NRW files from all Nikon digital cameras-current or older. ![]() This means you can always reprocess an image without having to undo all of your previous changes.Ĭapture NX-D is Mac and PC compatible, and can open and process. By using a sidecar file, instead of storing changes in the original file, Capture NX-D is non-destructive. Capture NX-D is a non-destructive RAW image processing application that utilizes a sidecar system to save adjustments for Nikon photographers looking to edit and process Nikon. ![]() This gets you out of the way of heavy-hitting attacks without being damaged. Blink is a limited resource that lets you move to any location near you without taking up a turn. The grid-like movements can feel prohibiting, but this is tackled by introducing a mechanic called Blink. Time only moves when you do, but sometimes it is better to wait and let the enemies approach. Because you are on a grid you can’t move diagonally, so it’s best suited to play by using the good old D-pad rather than the left control stick. Instead of free movement, you move on a grid-like pattern, taking a page out of Crypt of the Necrodancer, will remaining really different. Gone is the high-octane action gameplay of a lot of rogue-lites and in with turn-based strategy. Strategic Rogue-lite?Ĭrown Trick has a unique spin on the genre. Here is where the storytelling end and you will be booted straight up in the meat and bones of the game. ![]() Battle your way through your nightmares in the procedurally generated dungeons that are set in her own mind. You as Elle are tasked to save both the realm of Nightmares as the world you’re from by defeating Duke Vlad. The cause of all this is a human who goes by the name of Duke Vlad, with his heart filled with greed. Nightmares have seemed to have brought disasters and chaos into the world which in terms caused the world to be on the brink of destruction. You team up with Crown who claims to be the “Guardian of Nightmares”, who grants you your special powers. You play as Elle, a girl who entered the Realm of Nightmares. The game starts off with a beautifully animated introduction to the story. Crown Trick is another beautiful game in the genre that has something unique to bring to the table as well. ![]() Some being rhythm-based, while others being more hack & slash. All offering a different experience within the genre. It’s a great title to be able to pick up and have a play through to pass time and thanks to the random levels and loot it seems fresh each time.The Nintendo Switch is home to many Roguelike and Roguelite games of amazing quality. I was taken in by the game from the get go… the visuals are lovely an playful and the gameplay is challenging but not frustrating (no doubt some will find it “too easy”, but for me it was a good balance). When the inevitable happens and you take damage (or run out of magic) you can use a potion to revive, it will revive both health and magic… but you can only carry so many with you, so when you use it becomes very influential to your chance of survival in the long run, not just the short run. Once you defeat a boss, they become part of your pool of characters you can call on to help you in a run, each one has it’s own set of abilities and which one will work best for a given run can vary. You have one primary weapon then some bonus tools such as your familiar/s. Thanks to your (limited) blink ability you can flash to another portion of the room to avoid these, but you only have a few uses before you will have to find another method of escape. Some enemies will use attacks that take a while to fire, in these cases you will get warning squares saying when and when those attacks will hit. This means you have a chance to look at the lay of the room and make some tactical decisions. In this realm your best asset is the fact that when combat starts, enemies only move when you move. The nightmare realm is where the action is (which is why you fall asleep to attempt a run). Release them from their captors and they will set up their little work/shops in your base where you can get different provisions to tackle your enemies. That base of operations slowly gets more stocked as you come across people who need saving during your travels. Permadeath is in effect, but you don’t loose everything, you simply “awaken” in your base of operations where you can look at reconfiguring yourself for your next attempt. The game falls into the Rouge-like category with random levels and random loot presenting the lure to replay. You’d have some sort of idea of what Crown Trick is like. If Diablo was restyled with inspiration from Saturday morning cartoons and took the demonic monsters and made them almost “cute”… though still potentially deadly. ![]() ($39.96 annual subscription from Flexibits and the Mac App Store, free update from version 2, 29.6 MB, release notes, macOS 10.13. Cardhop is now bundled with Flexibits’ Fantastical calendar app in its Flexibits Premium subscription, priced at $39.96 annually ($3.33 per month) for a single license or $64.99 annually ($5.42 per month) for a family plan with up to five users. 4 min read Flexibits, the company behind productivity apps Fantastical and Cardhop, is releasing a new version of Cardhop for both macOS and iOS.Shortly after the release, Flexibits issued version 2.0.3 to address a crash that cropped up on macOS 10.13 High Sierra, 10.14 Mojave, and 10.15 Catalina. Rene Ritchie is one of the most respected Apple analysts in the business, reaching a combined audience of over 40 million readers a month. Cardhop will eventually run you 19.99 but you can grab it on sale now for 14.99. Cardhop is one of the best ways to manage and interact with. The update adds a Birthday widget to Notification Center, improves the accuracy of displaying relationships for children who have shared parents, no longer requires the Quick Look preview to be closed before selecting another image attachment, and fixes crashes that occurred when searching for related names in some situations and when reordering a Google directory. And that's what makes a great indie app truly great. Cardhop 2.1 adds improved Fantastical integration, QR Code Sharing widget, more. #1631: iOS 16.0.3 and watchOS 9.0.2, roller coasters trigger Crash Detection, Medications in iOS 16, watchOS 9 Low Power Modeįlexibits released Cardhop 2.0.2 with fixes and improvements for the recently upgraded contact manager (read more about Cardhop 2 features in “ Cardhop 2.0 Bundled with Fantastical in Flexibits Premium,” ).#1632: Apple Card Savings accounts, SOS in the iPhone status bar, Tab Wrangler, Focus in iOS 16. ![]() Or enter Sarah Smith and Cardhop will add a new contact to Sarah’s card. #1633: macOS 13 Ventura and other OS updates, 10th-gen iPad, M2 iPad Pro, 3rd-gen Apple TV 4K, Apple services price hikes Cardhop’s magical parsing engine is incredibly intuitive, letting you search, add, edit, and interact with your contacts using a simple sentence Just type in John G and John’s card will instantly appear. This includes helping Apple improve their filling solutions.You’ll still be able to access your information on other devices and on. Deleting 1Password will remove all your local 1Password data from your iOS device. Happily, the price remains the same despite the addition of Cardhop to the mix: 3.33 per month paid annually (39.96). Cardhop 2.0 and Flexibits Premium Amazon bernimmt US-Filmstudio MGM. However, rather than create yet another subscription, Flexibits has bundled Cardhop with Fantasticalfor all of Apple’s operating systemsin a single Flexibits Premium subscription. #1634: New Messages features, Apple Q4 2022 results, Preview drops PostScript, iOS/iPadOS 15.7.1, Dvorak on iPhone and iPad Drag any folders with com.agilebits or .1password in the name to the Trash. 1Password 8: The Story So Far iOS 15 lets you set new iCloud recovery options.#1635: Adobe/Pantone quarrel, does Matter matter yet?, OneWorld 65W international charger, corral your email with SaneBox, e3 Software sponsoring TidBITS. Price Prediction predicted the cryptocurrency could average out at $0.007 this year. Its AMP crypto price prediction said the token might hit $0.22 in five years’ time. On the other hand, Gov Capital said it might have rocketed to $0.04 in a year. An overwhelming 24 technical indicators were bearish, while only five signalled “buy”.Ĭoin Codex’s short-term amp price prediction for 2022 suggested it would have dropped by 27% to $0.0043 on 12 October. ![]() Coin Codex said there was a bearish sentiment with the fear and greed index displaying “fear”. AMP price predictionĪt the time of writing, the recent downward spiral has seen a conflicting opinion from forecasters. More recently, it dropped to a 52-week low of $0.0054 on 7 September.Īt the time of writing, on 13 September, AMP was trading at $0.0059, down 7% over the past 24 hours. It plummeted below its launch price in June. This bear market proved difficult for the collateral token. AMP dropped below $0.05 in September and fell to the $0.02 mark in Janaury 2022. This came after its listing on the Coinbase ( COIN) exchange.ĭespite experiencing a few price surges over the rest of 2021, it saw an overall downward trend. She is a frequent speaker on topics related to healthcare policy and women’s leadership.US30 US Wall Street 30 (USA 30, Dow Jones)ĪMP hit its all-time high of $0.12 on 16 June. Keck serves on the boards of directors of Harmon圜ares, Oak Street Health, Evolent Health and BCS Financial. Keck graduated with honors from Boston College with a degree in mathematics and earned a Master of Business Administration in finance from the University of Connecticut. She served as president of Aetna’s northeast region and interim president of the southeast region and was responsible for $20 billion in revenue and approximately five million members across the commercial and Medicare segments. Keck previously spent 28 years at Aetna, where she held leadership roles spanning from head of enterprise strategy to head of investor relations, treasury, tax, actuary, controllers and planning. She also combatted long-standing social issues influencing health outcomes, including childhood obesity, housing insecurity and racial inequities. During her tenure at BCBSRI, she drove strategic initiatives around cost and value stewardship, convenience and comprehensive health, and led policy efforts fortifying elements of the Affordable Care Act to ensure all Rhode Islanders have access to quality care. Prior to joining BCBSA in 2021, she served as president and CEO of Blue Cross & Blue Shield of Rhode Island (BCBSRI), the state’s largest health insurer. Keck, a respected leader in the healthcare industry, has built a reputation as an engaged, incisive leader. Today, one in three Americans is covered by the Blue System. ![]() Keck is president and chief executive officer of the Blue Cross Blue Shield Association (BCBSA), a national federation of 34 independent, community-based and locally operated Blue Cross and Blue Shield (BCBS) companies. 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