Thursday, May 25, 2006

Waste Water Treatment


A standard wastewater treatment train would typically consist of a primary clarifier system to remove solid and floating materials, a secondary treatment system consisting of an aeration basin followed by flocculation and sedimentation or an activated sludge system and secondary clarifiers, a tertiary biological nitrogen removal system, and a final tertiary disinfections unit.

The aeration basin/activated sludge system removes organic material by growing bacteria (activated sludge). The secondary clarifier removes the activated sludge from the water. The tertiary system is becoming more prevalent to remove nitrogen and phosphorus and do final disinfections of the water prior to its discharge to a surface water stream or ocean outfall. Before reentering into a body of water, the wastewater gets treated under a multi-stage process then only the water gets renovated and it is used for application

Anaerobic processes are widely applied in the treatment of industrial wastewaters and biological sludge. Some wastewater may be highly treated and reused as reclaimed water. For some wastewaters ecological approaches using reed bed systems such as constructed wetlands may be appropriate. Modern systems include tertiary treatment by micro filtration or synthetic membranes. After membrane filtration, the treated wastewater is indistinguishable from waters of natural origin of drinking quality.

Monday, May 22, 2006

Kaiser health insurance quote

Global insurance premiums grew by 9.7% in 2004 to reach $3.3 trillion. This follows 11.7% growth in the previous year. Life insurance premiums grew by 9.8% during the year due to rising demand for annuity and pension products. Non-life insurance premiums grew by 9.4% as premium rates increased. Over the past decade, global insurance premiums rose by more than a half as annual growth fluctuated between 2% and 10%.

Advanced economies account for the bulk of global insurance. With premium income of $1,217bn in 2004, North America was the most important region, followed by the EU ($1,198bn) and Japan ($492bn). The top four countries accounted for nearly two-thirds of premiums in 2004. The US and Japan alone accounted for a half of world insurance, much higher than their 7% share of the global population. Emerging markets accounted for over 85% of the world’s population but generated only 10% of premiums. The volume of UK insurance business totalled $295bn in 2004 or 9.1% of global premiums.