Search references for LUMINOUS POWER-TECHNOLOGIES. Phrases containing LUMINOUS POWER-TECHNOLOGIES
See searches and references containing LUMINOUS POWER-TECHNOLOGIES!LUMINOUS POWER-TECHNOLOGIES
Indian Electric product manufacturer
CEO of Luminous Power Technologies. Indian former cricketer Sachin Tendulkar is brand ambassador of LPT since May 2010. Luminous Power Technologies was founded
Luminous_Power_Technologies
French multinational digital automation and energy management company
August 8, 2011. Retrieved 2015-03-08. "Schneider to acquire 74% stake in Luminous Power". The Hindu. 31 May 2011. Abboud, Leila (June 1, 2011). "Schneider Electric
Schneider_Electric
SI derived unit of visible light emission
the SI unit of luminous flux, which quantifies the perceived power of visible light emitted by a source. Luminous flux differs from power (radiant flux)
Lumen_(unit)
How efficiently a source produces visible light
Luminous efficacy is a measure of how efficiently a light source produces visible light. It is the ratio of luminous flux to power, measured in lumens
Luminous_efficacy
Jaipur-based cricket franchise in the Indian Premier League
February 2022. "Rajasthan Royals extends title sponsorship with Luminous Power Technologies until 2025". The Economic Times. 23 November 2023. "Blast from
Rajasthan_Royals
Multi-platform game engine by Square Enix
Luminous Engine (ルミナス・エンジン, Ruminasu Enjin), originally called Luminous Studio (ルミナス・スタジオ, Ruminasu Sutajio), is a multi-platform game engine developed
Luminous_Engine
Ratio between the useful output and the input of a machine
cogeneration, useful electric power and heat output per fuel energy consumed. Same as the thermal efficiency. Luminous efficiency, that portion of the
Energy_conversion_efficiency
2025 novel by Silvia Park
Luminous is a 2025 science fiction novel by Silvia Park. It follows three siblings, two human and one robotic, in a near-future reunified Korea. The novel
Luminous_(novel)
Type of lamp
light achieved by the LED technology, the more are the benefits characteristic to the technology sacrificed (luminous power, for example). In principle
LED_tube
Measurement of visible light
Photometric quantities (e.g., luminous flux) are related to their radiometric analogs (e.g., radiant flux) through standardized luminous efficiency functions that
Photometry_(optics)
SI derived unit of illuminance
The lux (symbol: lx) is the unit of illuminance, or luminous flux per unit area, in the International System of Units (SI). It is equal to one lumen per
Lux
Electric light bulb with a resistively heated wire filament
their luminous efficacy, which is the ratio of the amount of visible light emitted (luminous flux) to the electrical power consumed. Luminous efficacy
Incandescent_light_bulb
Semiconductor light source
in the early 2000s.[citation needed] Since then, increased luminous efficacy and higher-power SMDs have allowed them to be used in applications such as
Light-emitting_diode
Amount of light captured by a camera
per square-meter, W/m2; t is the exposure duration, measured in seconds. Luminous exposure of a surface, denoted Hv ('v' for 'visual', to avoid confusion
Exposure_(photography)
Topical index of English Wikipedia articles about metrology and measurement
Photometry Luminous energy Luminous exposure Luminous flux Luminous intensity Mass Meteorology measurement Navigation Non-SI metric units Optics Power Pressure
Outline of metrology and measurement
Outline_of_metrology_and_measurement
Luminous Interactive is a digital art platform created by Lendlease in collaboration with Ramus Illumination. It officially opened on 18 May 2012 in the
Luminous_at_Darling_Quarter
Unit of illuminance
18-1967 Alternative symbols sometimes seen: W for luminous energy, P or F for luminous flux, and ρ for luminous efficacy of a source. Photometry (optics) for
Foot-candle
Illumination devices attached to bicycles
way ahead. Serving the latter purposes require much more luminous flux and thus more power. Many jurisdictions require one or more bicycle lights to
Bicycle_lighting
Deliberate use of light to achieve practical or aesthetic effects
a source or the luminous flux is measured in lumen (lm). The SI unit of illuminance and luminous emittance, being the luminous power per area, is measured
Lighting
Electronics and Information technology industry in Odisha, India
government has identified IT, IT-enabled services, electronics, emerging technologies, startups and digital infrastructure as focus areas for economic development
Electronics and IT industry in Odisha
Electronics_and_IT_industry_in_Odisha
Comparison of a wide range of physical powers
This page lists examples of the power in watts produced by various sources of energy. They are grouped by orders of magnitude from small to large. The
Orders_of_magnitude_(power)
Human-powered flashlight
A mechanically powered flashlight is a flashlight that is powered by electricity generated by the muscle power of the user, so it does not need replacement
Mechanically powered flashlight
Mechanically_powered_flashlight
2023 action role-playing video game
Forspoken is a 2023 action role-playing game developed by Luminous Productions and published by Square Enix. The game focuses on fast and fluid terrain
Forspoken
Incandescent lamp variety
standard incandescent lamp of similar power and operating life; this also produces light with higher luminous efficacy and color temperature. The small
Halogen_lamp
Ratiometric definition of luminance
it is related to the luminous flux density in a particular direction, which is radiant flux density weighted by the luminous efficiency function y ¯
Relative_luminance
American firearm sighting device company
in self-luminous optics and night sights, mainly using the low-energy tritium illumination, light-gathering fiber optics and battery-powered LED. Additionally
Trijicon
Practical physics application
indicator and display functions, and white LEDs are displacing other technologies for general illumination purposes. The p–n junction in any direct band
Light-emitting_diode_physics
Use of gaseous tritium to create visible light
not the only material that can be used for self-powered lighting. Radium was used to make self-luminous paint from the early 20th century to about 1970
Tritium_radioluminescence
System of quantities used in science and their interrelationships
electric current, thermodynamic temperature, amount of substance, and luminous intensity – and the relationships between those quantities in derived quantities
International System of Quantities
International_System_of_Quantities
Photoluminescent pigment
by Kenzo Nemoto in December 1941 as a luminous paint processing company and has supplied and developed luminous paint to the watch and clock and aviation
Super-LumiNova
Lamp powered by one or more solar panels
nature of boating and sailing makes power hard to come by and thus lends itself to self-sufficient technologies like solar boat lighting[citation needed]
Solar_lamp
density, inductance, temperature, information entropy, luminous intensity, luminance, luminous flux, illuminance, radiation. Notes: See Weight for detail
List_of_conversion_factors
Active galactic nucleus (AGN) containing a supermassive black hole
extremely luminous active galactic nucleus (AGN). It is sometimes known as a quasi-stellar object, abbreviated QSO. The emission from an AGN is powered by accretion
Quasar
the original on January 12, 2021. Retrieved January 12, 2021. "STORY". Luminous Witches Official Website (in Japanese). Retrieved July 3, 2022. "Strike
List of Strike Witches episodes
List_of_Strike_Witches_episodes
Power transferred per unit area
the luminous or radiant power per unit solid angle. This can cause confusion in optics, where intensity can mean any of radiant intensity, luminous intensity
Intensity_(physics)
Luminous rings in the headlight assembly
placed in a circular pattern) are automotive front lighting units with luminous rings inside the headlight assembly. Introduced in 2000 by BMW, halos were
Halo_headlights
Bulb Types and Descriptions
Concerning the Approval of Filament Lamps for Use in Approved Lamp Units on Power-Driven Vehicles and of their Trailers, Revision 7 ECE Regulation No. 99:
List of automotive light bulb types
List_of_automotive_light_bulb_types
French electrical engineer and inventor
Europe. The latter became known as "luminous electric jewels" and was the forerunner of today's wearable technology. In 1884, Trouvé fitted an electric
Gustave_Trouvé
Flexible strip of surface mounted light-emitting diodes
in the early 2000s.[citation needed] Since then, increased luminous efficacy and higher-power SMDs have allowed them to be used in applications such as
LED_strip_light
Electric light that produces light using LEDs
skin redness, even at lower doses. See luminous efficacy for an efficiency chart comparing various technologies. In keeping with the long life claimed
LED_lamp
Topics referred to by the same term
Metric horsepower, a measure of power (1 hk = 0.9863 hp (UK, US) = 0.7355 kW) Hefnerkerze, an old photometric unit of luminous intensity Hexokinase, an enzyme
HK_(disambiguation)
Topics referred to by the same term
electric field through a surface integrated over the surface's area Luminous flux, luminous intensity integrated over solid angle. Used in photometry Magnetic
Flux_(disambiguation)
World's longest-lasting light bulb
bulb had not burned out when the dedicated power supply was bypassed, using an extension cord. The power supply was found to have been faulty. Approximately
Centennial_Light
Compact luxury crossover SUV
the previous Voyah, distinguished by narrow headlights connected by a luminous strip including the illuminated manufacturer's logo. The unusually shaped
Voyah_Courage
Optical component
Laser Physics and Technology, Integrating spheres Pike Technologies, Integrating Spheres – Introduction and Theory, Pike Technologies Application Note
Integrating_sphere
History of semiconductor light source
high-power blue light sources practical, leading to the development of technologies like Blu-ray. Nakamura was awarded the 2006 Millennium Technology Prize
History_of_the_LED
Type of flat-panel display
response times. In comparison to other contemporaneous display technologies, most AMLCD technologies struggle with contrast. Because an AMLCD requires a backlight
Active-matrix liquid-crystal display
Active-matrix_liquid-crystal_display
conventional lighting technologies (incandescent, fluorescent), for LED lighting more variety in the TLA properties is seen. Power source technology (driver, electrical
Temporal_light_artefacts
Gas discharge lamp that produces intense white light
face of the cathode. The light generation volume is cone-shaped, and the luminous intensity falls off exponentially moving from cathode to anode. Electrons
Xenon_arc_lamp
Lamp using fluorescence to produce light
discharge lamps, incandescent and halogen lamps and high power LEDs. However, low luminous intensity of the emitting surface is useful because it reduces
Fluorescent_lamp
Type of electric gas-discharge lamp
Lamp power was significantly reduced compared to that of the traditional SOX range, lowering discharge current density and increasing luminous efficacy
Sodium-vapor_lamp
Flow of electric charge
Note #106 Environmental Impact of Arc Suppression". Arc Suppression Technologies. April 2011. Retrieved March 15, 2012. Zangwill, Andrew (2013). Modern
Electric_current
Portable hand-held electric light
60-watt household incandescent lamp will produce about 900 lumens. The luminous efficacy or lumens produced per watt of input of flashlight bulbs varies
Flashlight
Canada Acquired from Yellow Dragon Software Adobe retained a 19.9% stake in Luminous List of largest mergers and acquisitions Lists of corporate acquisitions
List_of_acquisitions_by_Adobe
Apparatus for displaying a projected image
depends on a number of variables, such as the ambient light level and the luminous power of the image source. Flat or curved screens may be used depending on
Projection_screen
Safety item that reflects light
workers and rescue workers. They are sometimes erroneously called luminous badges or luminous tags, but this is incorrect as they do not themselves produce
Safety_reflector
lamp. 1913 – Irving Langmuir discovers that inert gas could double the luminous efficacy of incandescent lightbulbs. 1917 – Burnie Lee Benbow patents the
Timeline of lighting technology
Timeline_of_lighting_technology
Hungarian bassist (born 1979)
the Finnish heavy metal band Beast in Black. He was also a member of the power metal band Wisdom, which he had founded while he was at university. Molnár
Máté_Molnár
Topics referred to by the same term
protein in pathogenic bacteria Luminous efficacy of radiation, for light sources, the ratio of luminous flux to power Lunar Electric Rover, a vehicle
LER
Topics referred to by the same term
statistical measure of process capability Candlepower (cp), a measure of luminous intensity Centipoise (cP), a unit of viscosity CP symmetry, in particle
CP
Technique to quantify and describe physically the human color perception
is smooth Schanda, János (2007). "Tristimulus Color Measurement of Self-Luminous Sources". Colorimetry: Understanding the CIE System. Wiley Interscience
Colorimetry
Width of an electromagnetic beam
the peak effective radiated power of the main lobe. In lighting applications, beam angle is often defined as FWHM luminous intensity. The field angle for
Beam_diameter
Electrical device with an electric lamp
Lightbulb socket Lighting designer for the theater Luminous efficacy Timeline of lighting technology Light pollution IEC 2025, §845-30-001, luminaire.
Light_fixture
Type of television
TV technology began to appear in the 1990s. In the 21st century, the rapid development and maturity of semiconductor lasers and other technologies gave
Laser_TV
High-intensity electric light with a broad beam
lamps were also commonly used for sporting events, due to their higher luminous efficacy. These have been largely replaced by LED floodlights. Metal halide
Floodlight
Marvel Comics fictional character
Scientist and Luminous (a female created from the genetic templates of Quicksilver and Scarlet Witch). After being tracked down and defeated by Luminous, Quicksilver
High_Evolutionary
Type of gravity-powered lamp used for third world countries
GravityLight was a gravity-powered lamp manufactured until 2019. It was designed by the company Deciwatt for use in developing or third-world nations
GravityLight
Production of syngas from coal
recover these valuable compounds. Blue water gas (BWG) burns with a non-luminous flame which makes it unsuitable for lighting purposes. Carburetted Water
Coal_gasification
Image luminance mapping function
that in many fields of science this quantity is called luminous exitance, as opposed to luminous intensity, which is a different quantity. These distinctions
Gamma_correction
Modern form of the metric system
thermodynamic temperature), mole (mol, amount of substance), and candela (cd, luminous intensity). The system can accommodate coherent units for an unlimited
International_System_of_Units
Wick embedded in solid flammable substance
The light produced is about 13 lumens, for a luminous efficacy of about 0.16 lumens per watt (luminous efficacy of a source) – almost a hundred times
Candle
Measure of a civilization's evolution
the galaxies' rotational speed. Annis suggested that 75% of the least luminous objects (i.e., those with a decrease in absolute magnitude of 1.5 compared
Kardashev_scale
Backup light source used in power outages
lighting device that switches on automatically when a building experiences a power outage. In the United States, emergency lights are standard in new commercial
Emergency_light
Photoflash exposure setting measurement
times a short distance. Guide numbers take into account the amount of luminous energy of the flash, the camera's ISO setting (film speed), flash coverage
Guide_number
Headlamps that are hidden while not in use
dashboard could be turned by hand to bring out the headlamps when needed. Powered hidden headlamps first appeared on GM's concept car in 1938, the Buick
Hidden_headlamp
Process of assigning numbers to objects or events
constructed from the base units: for example, the watt, i.e. the unit for power, is defined from the base units as m2·kg·s−3. Other physical properties
Measurement
Japanese entertainment company
(Japan). On February 28, 2023, Square Enix Holdings announced that on May 1, Luminous Productions would reorganize and merge with Square Enix internally, citing
Square_Enix
Fluorescent lamps with folded tubes, often with built-in ballast
the power of light as perceived by the human eye. The luminous efficacy of lamps is the number of lumens emitted for each watt of electric power used
Compact_fluorescent_lamp
Type of electric lamp/bulb
increases the intensity of visible light produced by the arc for a given power input, as the metals have many emission spectral lines in the visible part
High-intensity_discharge_lamp
South Korean cosmetics brand
2013. "LANEIGE | LUMINOUS BEAUTY". LANEIGE. Archived from the original on November 28, 2020. Retrieved November 26, 2019. "라네즈 l LUMINOUS BEAUTY". LANEIGE
Laneige
Energy consumption labelling scheme
\phi _{use}} is the declared useful luminous flux (in lm), P o n {\displaystyle P_{on}} is the declared on-mode power consumption (in watts), and F T M
European_Union_energy_label
Other similar concepts are light-emitting wallpaper used by Lomox and luminous textile used by Philips. Meystyle claim to have been the first company
LED_wallpaper
American-Indian astronomer (born 1956)
transients such as superluminous supernovae, calcium-rich supernovae, and luminous red novae. Some of the awards he has received include the following: NSF's
Shrinivas_Kulkarni
Raised light sources which are powered by solar panels
Solar street lights are raised light sources which are powered by solar panels generally mounted on the lighting structure or integrated into the pole
Solar_street_light
Measure of illuminance for a combination of a camera's shutter speed and f-number
rather than the luminous exposure (aka photometric exposure), which is given by H = E t , {\displaystyle H=Et\,,} where H is the luminous/photometric exposure
Exposure_value
Fictional species in the StarCraft series
with powerful psionic abilities. Each has distinct units, structures, technologies and methods of production, as well as its own societies and narrative
Races_of_StarCraft
Lamp mounted in the front of a vehicle
its stable shape, and the luminous efficacy has attained its nominal value. The ballast now supplies stable electrical power so the arc will not flicker
Headlamp
Device for producing light from electricity
they typically use around one-quarter to one-third the power of an incandescent. The typical luminous efficacy of fluorescent lighting systems is 50–100 lumens
Electric_light
Type of neutron star with beams of radiation
source of the power of the electromagnetic radiation: rotation-powered pulsars, where the loss of rotational energy of the star provides the power, accretion-powered
Pulsar
System of stars and interstellar matter
containing LINER nuclei. Luminous infrared galaxies (LIRGs) are galaxies with luminosities—the measurement of electromagnetic power output—above 1011 L☉ (solar
Galaxy
Decorative lighting for festivities
program animations to music or other sounds. In addition to the same technologies found with Bluetooth, the use of Christmas lights connected to Wifi can
Holiday_lighting_technology
Lighting technology
OLED Solid State Lighting: Kodak European Research' MOTI (Management of Technology and Innovation) Project, Judge Business School of the University of Cambridge
Solid-state_lighting
of street lighting. This use called for gases that burned with a highly luminous flame, called "illuminating gases", Some gas mixtures of low intrinsic
History of manufactured fuel gases
History_of_manufactured_fuel_gases
Chemical element with atomic number 88 (Ra)
cause radioluminescence. For this property, it was widely used in self-luminous paints following its discovery. Of the radioactive elements that occur
Radium
Emission of light by a living organism
notes that in 1753, J. Baker identified the flagellate Noctiluca "as a luminous animal" "just visible to the naked eye", and in 1854 Johann Florian Heller
Bioluminescence
into the 1990s, particularly in the United States. As other lighting technologies and products have taken the Lekolite's place, the term Leko has become
Lekolite
Body that enters the Earth's atmosphere
colour, and attained an estimated peak visual magnitude of −13. During a luminous flight time that exceeded 40 seconds the fireball covered a ground path
Meteor
quartz arctube containing argon, mercury and metal halides. The lamp is powered by an electrical ballast, which regulates the current flow through the
Hydrargyrum_quartz_iodide
Scatter plot of stars showing the relationship of luminosity to stellar classification
stars at the cooler and less luminous end of the sequence, and more massive stars towards the hotter and more luminous end. During the stage of their
Hertzsprung–Russell_diagram
Technology companies of the United States
some business areas. The 3 Mbit/s speed is slower than existing Wi-Fi technology, but the company is working on an improved LED which will be able to match
LVX
travel, tourism, insurance
LUMINOUS POWER-TECHNOLOGIES
LUMINOUS POWER-TECHNOLOGIES
Surname or Lastname
German
German : habitational name for someone from Posa or Poserna, south of Merseburg, or a variant of Pose (see Posey).English : variant of Peiser.
Surname or Lastname
English
English : occupational name for a baker, doghere, from an agent derivative of Middle English dogh ‘dough’.Probably an Americanized spelling of German Dauer.
Boy/Male
British, English
Surname Related to Paul; Small
Boy/Male
Tamil
Luminous
Surname or Lastname
English (of Norman origin)
English (of Norman origin) : regional name for someone from the district north of Paris known in Old French as Gohiere.English (of Norman origin) : habitational name from any of the various places in northern France called Gouy (from the Gallo-Roman personal name Gaudius + the locative suffix -acum), with the addition of the Anglo-Norman French suffix -er.English : from a Norman personal name, Go(h)ier, cognate with the Old English name mentioned at Gooder.Welsh : from the peninsula in southern Wales, of which the Welsh name is Gŵyr.Probably an Americanized spelling of German Gauer.
Boy/Male
Muslim
Luminous
Girl/Female
Tamil
Luminous
Surname or Lastname
Irish (Leinster and Munster) and English (of Norman origin)
Irish (Leinster and Munster) and English (of Norman origin) : habitational name for someone from Pois, a place in Picardy (said to have been named with Old French pois ‘fish’ because of its well-stocked river), from Old French Pohier ‘native of Pois’.English : nickname for a poor man, or ironically for a miser, from Middle English, Old French povre, poure ‘poor’ (Latin pauper). Woulfe gives this also as the meaning of the Norman Irish name, which in early records is found as le Poer, believing it to be a nickname for someone who has taken a vow of poverty.
Boy/Male
Tamil
Luminous
Surname or Lastname
English
English : variant of Power.
Boy/Male
Welsh Shakespearean
Pure.
Boy/Male
Hindu
Luminous
Boy/Male
Tamil
Luminous
Boy/Male
Tamil
Luminous
Surname or Lastname
English
English : variant of Powell.North German : from a form of the personal name Paul.
Surname or Lastname
English (East Anglia, chiefly Norfolk)
English (East Anglia, chiefly Norfolk) : occupational name for someone who mowed pasture lands to provide hay, from an agent derivative of Middle English mow(en) ‘mow’ (Old English mÄwen).Welsh : nickname from mawr ‘big’ (see Moore 6).German (Möwer) : nickname from an agent derivative of Middle High German mÅven ‘to torment, trouble, or burden’.
Surname or Lastname
Scottish
Scottish : occupational name for a bow maker, Older Scots bowar, equivalent to English Bowyer.English and Scottish : from Middle English bur, bour ‘bower’, ‘cottage’, ‘inner room’ (Old English būr), hence a topographic name for someone who lived in a small cottage, an occupational name for a house servant who attended his master in his private quarters (see Bowerman), or a habitational name from any of various places, for example in Essex, named Bower or Bowers from this word.
Surname or Lastname
English
English : topographic name for someone who lived near a tower, usually a defensive fortification or watchtower, from Middle English, Old French tūr (Latin turris).English : occupational name for someone who dressed white leather, cured with alum rather than tanned with bark, from an agent derivative of Middle English taw(en) (Old English tawian ‘to prepare, make ready’).English : Americanized spelling of German Tauer.
Surname or Lastname
English (of Norman origin)
English (of Norman origin) : occupational name denoting a servant who carried the ewer to guests at table so that they could wash their hands, Anglo-Norman French and Middle English ewerer (related to ewere ‘jug’), with the French definite article l’.Cornish : variant of Flower 4.
Boy/Male
Hindu
Luminous
LUMINOUS POWER-TECHNOLOGIES
LUMINOUS POWER-TECHNOLOGIES
LUMINOUS POWER-TECHNOLOGIES
LUMINOUS POWER-TECHNOLOGIES
LUMINOUS POWER-TECHNOLOGIES
LUMINOUS POWER-TECHNOLOGIES
LUMINOUS POWER-TECHNOLOGIES
n.
Capacity of undergoing or suffering; fitness to be acted upon; susceptibility; -- called also passive power; as, great power of endurance.
n.
Ability, regarded as put forth or exerted; strength, force, or energy in action; as, the power of steam in moving an engine; the power of truth, or of argument, in producing conviction; the power of enthusiasm.
a.
Shining; emitting or reflecting light; brilliant; bright; as, the is a luminous body; a luminous color.
n.
Ability to act, regarded as latent or inherent; the faculty of doing or performing something; capacity for action or performance; capability of producing an effect, whether physical or moral: potency; might; as, a man of great power; the power of capillary attraction; money gives power.
a.
Having written much, or produced many volumes; copious; diffuse; as, a voluminous writer.
a.
To reduce the degree, intensity, strength, etc., of; as, to lower the temperature of anything; to lower one's vitality; to lower distilled liquors.
a.
Causing, or tending to cause, ruin; destructive; baneful; pernicious; as, a ruinous project.
n.
A mechanical agent; that from which useful mechanical energy is derived; as, water power; steam power; hand power, etc.
a.
Characterized by ruin; ruined; dilapidated; as, an edifice, bridge, or wall in a ruinous state.
n.
Hence, vested authority to act in a given case; as, the business was referred to a committee with power.
a.
Illuminated; full of light; bright; as, many candles made the room luminous.
v. i.
To be reduced to powder; to become like powder; as, some salts powder easily.
n.
Applied force; force producing motion or pressure; as, the power applied at one and of a lever to lift a weight at the other end.
n.
A large quantity; a great number; as, a power o/ good things.
a.
Pertaining to or containing alum, or alumina; as, aluminous minerals, aluminous solution.
n.
The product arising from the multiplication of a number into itself; as, a square is the second power, and a cube is third power, of a number.
a.
Enlightened; intelligent; also, clear; intelligible; as, a luminous mind.
n.
A machine acted upon by an animal, and serving as a motor to drive other machinery; as, a dog power.
v. t.
To sprinkle with powder, or as with powder; to be sprinkle; as, to powder the hair.
travel, tourism, insurance