Search references for TIME LOCK-PUZZLE. Phrases containing TIME LOCK-PUZZLE
See searches and references containing TIME LOCK-PUZZLE!TIME LOCK-PUZZLE
Method for enciphering information releasable after a specified time has passed
A time-lock puzzle, or time-released cryptography, encrypts a message that cannot be decrypted until a specified amount of time has passed. The concept
Time-lock_puzzle
LCS35 is a cryptographic challenge and a time-lock puzzle set by Ron Rivest in 1999. The challenge is to calculate the value w = 2 2 t ( mod n ) {\displaystyle
LCS35
System that regulates the formation of blocks on a blockchain
a lower variance. There are also fixed-cost functions such as the time-lock puzzle. Moreover, the underlying functions used by these schemes may be: CPU-bound
Proof_of_work
Type of tiling puzzle
A jigsaw puzzle (with context, sometimes just jigsaw or just puzzle) is a tiling puzzle that requires the assembly of often irregularly shaped, interlocking
Jigsaw_puzzle
American writer, engineer and scientist (1951–2018)
"significant influence on both bitcoin and WikiLeaks" in their obituary. Time-lock puzzle Greenberg, Andy (2012). This Machine Kills Secrets: How WikiLeakers
Timothy_C._May
Mathematical puzzle game
objective of the puzzle is to move the entire stack to one of the other rods, obeying the following rules: Only one disk may be moved at a time. Each move consists
Tower_of_Hanoi
Mechanically-interlinked pieces to be manipulated
A mechanical puzzle is a puzzle presented as a set of mechanically interlinked pieces in which the solution is to manipulate the whole object or parts
Mechanical_puzzle
Subgenre of detective fiction
appearances and solve the puzzle. Edgar Allan Poe's "The Murders in the Rue Morgue" (1841) is generally considered the first locked-room mystery. However
Locked-room_mystery
Disentanglement puzzle
peasants as a locking mechanism. Variations of this include the Devil's staircase, Devil's Halo and the impossible staircase. Another similar puzzle is the Giant's
Baguenaudier
Type of puzzle game
A puzzle hunt (sometimes рuzzlehunt) is an event where teams compete to solve a series of puzzles, many of which are tied together via metapuzzles. Puzzlehunt
Puzzle_hunt
– GTK, GIMP Timothy C. May – Cypherpunks electronic mailing list, time-lock puzzle, Crypto Anarchist Manifesto Conor McBride – researches type theory
List_of_programmers
Physical puzzle game played by a team of players
known as an escape game, puzzle room, exit game, or riddle room, is a game in which a team of players discover clues, solve puzzles, and accomplish tasks
Escape_room
Tiling puzzle where pieces can be assembled in different ways
A dissection puzzle, also called a transformation puzzle or Richter puzzle, is a tiling puzzle where a set of pieces can be assembled in different ways
Dissection_puzzle
Video game genre
completion. Many puzzle games involve a real-time element and require quick thinking, such as Tetris (1985) and Lemmings (1991). Puzzle video games owe
Puzzle_video_game
This is a list of puzzles that cannot be solved. An impossible puzzle is a puzzle that cannot be resolved, either due to lack of sufficient information
List_of_impossible_puzzles
American chess player, composer, puzzle author and mathematician (1841-1911)
30, 1841 – April 10, 1911) was an American chess player, chess composer, puzzle author, and recreational mathematician. Loyd was born in Philadelphia but
Sam_Loyd
Logic puzzle
puzzles are logic puzzles, which are examples of multi-agent reasoning, where the solution evolves along with the principle of induction. A puzzle's scenario
Induction_puzzles
Oral puzzle guessing game
Situation puzzles, often referred to as minute mysteries, lateral thinking puzzles or yes/no puzzles, are puzzles in which other participants are to construct
Situation_puzzle
Puzzles solved by mechanical manipulation
A combination puzzle, also known as a sequential move puzzle, is a puzzle which consists of a set of pieces which can be manipulated into different combinations
Combination_puzzle
is a partial list of notable puzzle video games, sorted by general category. Tile-matching video games are a type of puzzle video game where the player
List_of_puzzle_video_games
Puzzle game
an entrance to a goal. The word is used to refer both to branching tour puzzles through which the solver must find a route, and to simpler non-branching
Maze
Treasure: In Search of the Golden Horse is a treasure hunting puzzle published in 1984 by the Intravision production company. It was conceived as a story-based
Treasure: In Search of the Golden Horse
Treasure:_In_Search_of_the_Golden_Horse
Puzzle requiring thought to solve
A brain teaser is a form of puzzle that requires thought to solve. It often requires thinking in unconventional ways with given constraints in mind; sometimes
Brain_teaser
Statement with a double meaning used as a puzzle
question, or phrase having a double or veiled meaning, put forth as a puzzle to be solved. Riddles are of two types: enigmas, which are problems generally
Riddle
Type of logic puzzle
Transport puzzles are logistical puzzles, which often represent real-life transportation problems. The classic transport puzzle is the river crossing puzzle in
Transport_puzzle
Physical restraints used on the ankles
prehistoric age and are mostly of the puzzle lock type.[clarification needed] Some early versions of cup lock shackles existed by the Roman era. These
Legcuffs
Book by Lois Duncan
Locked in Time is a 1985 suspense novel by Lois Duncan. The story centers around Nore, a seventeen-year-old girl who moves into a new home with her father
Locked_in_Time
1999 video game
player must guide the holes to their correct places and lock them. Overlap is a jigsaw puzzle where pieces may overlap each other; some pieces contain
Pandora's Box (1999 video game)
Pandora's_Box_(1999_video_game)
Shape-shifting puzzle similar to Rubik's Cube
layers that can be scrambled and solved independently of the rest of the puzzle, the Square Zero merged each of the corners with one edge each, making it
Square-1_(puzzle)
2025 puzzle video game
Blue Prince is a puzzle adventure game developed by Dogubomb and published by Raw Fury. It was released on April 10, 2025, for PlayStation 5, Windows and
Blue_Prince
First season of Indian reality television series Lock Upp
Lock Upp: Badass Jail, Atyaachari Khel! is the first season of the Indian reality series Lock Upp, created by Ekta Kapoor. Hosted by Kangana Ranaut, the
Lock_Upp_(season_1)
Research center at Harvard University
2020-02-09. Mahmoody, Mohammad; Moran, Tal; Vadhan, Salil (2011). "Time-Lock Puzzles in the Random Oracle Model". In Rogaway, Phillip (ed.). Advances in
Center for Research on Computation and Society
Center_for_Research_on_Computation_and_Society
Oldest puzzlers' organization in the world
National Puzzlers' League (NPL) is a nonprofit organization focused on puzzling, primarily in the realm of word play and word games. Founded in 1883, it
National_Puzzlers'_League
American television series
any puzzle without penalty, but after the 3rd entry, wrong answers will lock out this panel for two minutes. Except on the first and fifth puzzles, if
Race_to_Escape
41st season of the reality television series
puzzle, solve it, and return to the entrance. The further in a puzzle is, the easier it is to solve, and there is a 45-minute limit before teams time-out
The Challenge: Vets & New Threats
The_Challenge:_Vets_&_New_Threats
37th season of the reality television series
remaining puzzle pieces. Once they collect all 16 puzzle pieces, teams must solve the puzzle and detonate their station. The team with the fastest time wins
The Challenge: Spies, Lies & Allies
The_Challenge:_Spies,_Lies_&_Allies
Chess composition whose solution is a mate or other clear objective
A chess problem, also called a chess composition, is a puzzle created by the composer using chess pieces on a chessboard, which presents the solver with
Chess_problem
American video game developer
was an American video game developer, best known for engineering-oriented puzzle video games and programming games. It was founded by Zach Barth in 2011
Zachtronics
German puzzle designer and inventor (1939–2022)
November 1939 – 30 April 2022) was a German puzzle designer and inventor. He manufactured and sold mechanical puzzles in the style of Rubik's Cube since the
Uwe_Mèffert
Season of television series
Big Brother 28 (also known as Big Brother: Time Trip) is the twenty-eighth season of the American reality television program Big Brother. The program is
Big Brother 28 (American season)
Big_Brother_28_(American_season)
Australian actress (1924–1993)
Interpol Drug addict Uncredited 1957 The Shiralee Girl at Parkers 1957 Time Lock Lucille Walker 1958 Diamond Safari Louise Saunders 1958 She Didn't Say
Betty_McDowall
Dutch puzzle maker (born 1965)
Oskar van Deventer (born 1965) is a Dutch puzzle maker. He prototypes puzzles using 3D printing. His work combines mathematics, physics, and design, and
Oskar_van_Deventer
Seasonal change of clock settings
rise of daylight savings time appears to have resulted from the avoidance of a miscue: when saving is used, readers might puzzle momentarily over whether
Daylight_saving_time
1998 video game
Ganondorf by traveling through time and navigating dungeons and an overworld. The game introduced features such as a target-lock system and context-sensitive
The Legend of Zelda: Ocarina of Time
The_Legend_of_Zelda:_Ocarina_of_Time
2012 video game
for free, while only 2.3% pay. Throughout the game, the player solves puzzles so Tiffi (short for Toffette) can solve problems plaguing the residents
Candy_Crush_Saga
2005 video game
Chuzzle is a tile-matching puzzle video game developed by American studio Raptisoft Games and published by PopCap Games. The game involves connecting three
Chuzzle
2013 video game
Madafiglio. The game is a narrative-driven puzzle game that explores science fiction elements including time travel, in which the player must make choices
No_One_Has_to_Die
Telephone
difficulty Picture Puzzle 16 pieces: A sixteen-piece picture puzzle, medium difficulty Picture Puzzle 25 pieces: Hardest of the 3 picture puzzles, 25 pieces.
Sagem_myX-2
Puzzle
The Megaminx or Mégaminx (/ˈmɛɡəmɪŋks/, /ˈmeɪ-/) is a dodecahedron-shaped puzzle similar to the Rubik's Cube. It has a total of 50 movable pieces to rearrange
Megaminx
2009 video game
all leap gates are locked. The hacking puzzle is used to open these leap gates which, in turn, allow access to additional puzzles in other areas of the
Puzzle_Quest:_Galactrix
1990 video game
through time and collects various items and puts them behind locked doors in three different periods. This action has caused a disruption in time, and now
Back to the Future Part II & III
Back_to_the_Future_Part_II_&_III
British 2024 television series
David Suchet. John Taylor (David Mitchell) is a reclusive puzzle maker who publishes puzzle books under the pen name "Ludwig". His identical twin brother
Ludwig_(2024_TV_series)
Phi Brain: Puzzle of God is a 2011 Japanese anime television series produced by Sunrise. The story follows a genius puzzle solver named Kaito Daimon who
List of Phi Brain: Puzzle of God episodes
List_of_Phi_Brain:_Puzzle_of_God_episodes
Puzzle video game series
Lumines (/ˈluːmɪnɛs/ LOO-min-ess) is a puzzle video game series developed by Q Entertainment. The core objective of the games is to survive by rotating
Lumines
Upcoming survival horror video game
exploring the town, solving puzzles, fighting or avoiding monsters, and managing limited resources. Exploration includes locked doors, hidden paths, and
Silver_Pines
Reality competition series
chopsticks to transfer nine geometric puzzle pieces over a balance beam, one at a time. Each time they drop a puzzle piece, they must restart that piece
The Challenge: World Championship
The_Challenge:_World_Championship
2013 video game
Letters of Gold is a word puzzle game released by Brazilian studio Cupcake Entertainment in October 2013 for Facebook. In March 2015, the game reached
Letters_of_Gold
2001 video game
the cupboard, nothing happens and the door remains locked. Often, solving one part of the puzzle will reveal items, codes (passwords), or pathways that
MOTAS
2005 British TV series or programme
was hosted by Eamonn Holmes. The format was based on a mix of the number puzzle Sudoku and general knowledge questions. Auditions took place in Bristol
SUDO-Q
39th season of the reality television series
transfer seven three-dimensional puzzle pieces to the end of a field, one at a time, before using them to solve a puzzle. Winners: Asaf, Ravyn and Zara
The Challenge: Battle for a New Champion
The_Challenge:_Battle_for_a_New_Champion
1984 video game
game is to lock platforms into place according to a supplied map. There are three levels of difficulty; the second and third level have time limits. Computer
Rock_n'_Bolt
Australian video game developer
and puzzle video game Cubit in 1991. In 1996 Panther Games decided to return to its wargame roots and instigated development of a new real-time computer
Panther_Games
2014 video game
among the greatest horror games of all time, with praise towards its direction and presentation while its puzzles drew mixed responses. Unlike the third-person
P.T._(video_game)
2023 video game
Mosa Lina is a 2D physics puzzle platformer created by indie developer Stuffed Wombat. It was released on the PC in 2023, and ported to macOS the following
Mosa_Lina
2nd season of the reality television series
the way are five puzzle stations where teams may choose to spend time using the puzzle pieces in one team member's box to solve a puzzle, which allows them
The_Challenge:_USA_season_2
Crossword-style word making board game
Retrieved April 6, 2018. New Tile Lock Scrabble: Amazon.co.uk: Toys & Games. ASIN 1223063151. "Winning Moves Games Tile Lock Super Scrabble: Amazon.co.uk:
Scrabble
Video game series
not found :(". Each of the TimeSplitters games are first-person shooters which also feature elements of exploration and puzzle-solving. Multiplayer is a
TimeSplitters
Japanese anime television series
Phi Brain: Puzzle of God (ファイ・ブレイン 神のパズル, Fai Burein Kami no Pazuru) is a 2011 Japanese anime television series produced by Sunrise. The first two series
Phi_Brain:_Puzzle_of_God
Marketing campaign
The game consisted of a series of Flash puzzles, all concerning a giant sphere that changed shape as each puzzle was solved. Behind the sphere, a city skyline
Ethan_Haas_Was_Right
Puzzle video game
The Witness is a 2016 puzzle video game developed and published by Thekla, Inc. Inspired by Myst, the game involves the exploration of an open world island
The_Witness_(2016_video_game)
1987 film by Clive Barker
own 1986 novella The Hellbound Heart, the film's plot concerns a mystical puzzle box that summons the Cenobites, a group of extra-dimensional, sadomasochistic
Hellraiser
American novelist
Fortress (2016), The Ancestor (2020), and The Puzzle Master (2023). Her most recent novel, The Puzzle Box, was published in 2024. She is the recipient
Danielle_Trussoni
1991 video game
area to find items and solve puzzles, but Slightly Magic expands this idea by allowing the use of spells to solve puzzles. The player must collect the
Slightly_Magic
2026 video game
combat advantages such as increased weapon damage for Hugh. The puzzles are solved in real time, meaning that Hugh needs to dodge and evade hostile attacks
Pragmata
1985 American TV series or program
choose not to guess the puzzle, as an incorrect guess would lock them out of the next question. The first question of a puzzle awarded five seconds, followed
Break the Bank (1985 game show)
Break_the_Bank_(1985_game_show)
B-Units: Build it! Building simulator Nintendo DS, Wii 2011 Bust-a-Move Online Puzzle Windows 2007 Game licensed and published by Taito Championship Foosball
List_of_505_video_games
of game: - Mental - Mystery - Physical - Skill ALIS - Automatic Lock-in Situation "The Crystal Maze: Celebrity Specials - Episode Guide - All
List of The Crystal Maze games
List_of_The_Crystal_Maze_games
2023 video game
game developed and published by Jeremy Johnston. The game is a detective puzzle game in which the player is required to undertake research to fill the incomplete
The_Roottrees_are_Dead
American mystery novelist and playwright (1906–1977)
considered Carr's masterpiece, was selected in 1981 as the best locked-room mystery of all time by a panel of 17 mystery authors and reviewers. He also wrote
John_Dickson_Carr
Free online crowdsourced encyclopedia
confirmed" editors can modify it. A particularly contentious article may be locked so that only administrators can make changes. A 2021 article in the Columbia
Wikipedia
2009 video game
for them that could reach a wider audience; Uchikoshi suggested adding puzzle elements that are integrated with the game's story. The inspiration for
999: Nine Hours, Nine Persons, Nine Doors
999:_Nine_Hours,_Nine_Persons,_Nine_Doors
Season of television series
three alongside Sue after claiming final immunity (and thereby tying the all-time record for most individual immunities won by a woman, with four total), while
Survivor_47
Survival horror game
finally a third-person game. Gameplay consists of action, exploration, puzzle solving and inventory management. Resident Evil established many conventions
Resident Evil (1996 video game)
Resident_Evil_(1996_video_game)
34th season of the reality television series
box with four puzzle pieces inside. They must carry two puzzle pieces at a time and run up a mountain to a structure where their puzzle station is. After
The Challenge: War of the Worlds 2
The_Challenge:_War_of_the_Worlds_2
Season of television series
relationship between Larsa Pippen and Marcus Jordan, who were dating at the time of the show's production. It was revealed that season 1 contestant Kate Chastain
The Traitors (American TV series) season 2
The_Traitors_(American_TV_series)_season_2
1993 Indian film by Fazil
Manichitrathazhu (transl. The Ornate Lock) is a 1993 Indian Malayalam-language epic psychological horror film directed by Fazil, written by Madhu Muttam
Manichitrathazhu
British game show
challenge successfully completed by contestants, and lock-in conditions for contestants that ran out of time or broke a three-strikes rule on a challenge. The
The_Crystal_Maze
Process of achieving a goal by overcoming obstacles
are SSENT (six, seven, eight, nine, ten). Some of the students solved the puzzle by reflecting on their dreams. One example was a student who reported the
Problem_solving
2021 American fantasy television series
The Wheel of Time is an American fantasy television series developed by Rafe Judkins for Amazon Prime Video. The series is based on the book series of
The_Wheel_of_Time_(TV_series)
36th season of the reality television series
binary puzzle before entering the code into a tablet. There is a ten-minute time limit before teams time out. The team with the fastest time wins. Winners:
The_Challenge:_Double_Agents
2025 series of The Celebrity Traitors
Hamlet combined?" and enter the result into a numeric lock. The second required solving a Klotski puzzle to release a key. The third gate presented players
The Celebrity Traitors series 1
The_Celebrity_Traitors_series_1
2007 Japanese puzzle video game
Professor Layton and the Curious Village is a puzzle adventure video game for the Nintendo DS system. It was developed and published by Level-5 in Japan
Professor Layton and the Curious Village
Professor_Layton_and_the_Curious_Village
25th season of the reality television series
one four-player team is chained together at the rooftop next to a locked box at a puzzle station, another four-player team is chained together at a plank
The_Challenge:_Free_Agents
1985 video game
of moves otherwise the puzzle will lock and he will have to try again on another part. Successful completion opens the puzzle to access the inner sanctum
Scarabaeus_(video_game)
2008 video game
Trism is a puzzle game for the Apple iPhone developed by American developer Demiforce, notable for his work on the widely acclaimed Mother 3 fan translation
Trism
Season of television series
thirteen moon cycles in Nsyilxcən, and arrange the moon cycles onto a turtle puzzle to receive their next clue. Eamon & Bec used their Express Pass to bypass
The_Amazing_Race_Canada_12
2024 crime drama television series
all the cups discarded at the fun run's drink station, leaving Mackenzie puzzled: if the killer wanted to kill many people, why not poison all the cups
Return to Paradise (2024 TV series)
Return_to_Paradise_(2024_TV_series)
2023 video game
highlighted the music and were impressed by the design of some of the quests and puzzles. Destructoid complimented the range of activities and unlockables but found
Hogwarts_Legacy
2008 puzzle platform video game
novel powers of time-manipulation. Using these abilities, the player progresses through the game by finding and assembling jigsaw puzzle pieces. A preliminary
Braid_(video_game)
2021 video game
a locked door that the player passes previously in the game, and another that had the solution next to it. Ogilvie similarly criticised the puzzles, saying
Resident_Evil_Village
travel, tourism, insurance
TIME LOCK-PUZZLE
TIME LOCK-PUZZLE
Surname or Lastname
English
English : patronymic from the personal name Timm.
Male
English
Short form of English Timothy, TIMO means "to honor God." Compare with other forms of Timo.
Girl/Female
African, Australian, Swahili
Full of Happiness
Boy/Male
American, Australian, British, English, French, German, Italian, Jamaican
Rock; Form of Rockne; From the Rock Fortress; Stone Camp; Rest
Surname or Lastname
English (Somerset)
English (Somerset) : habitational name from Look in Puncknowle, Dorset, named in Old English with lūce ‘enclosure’.English : possibly a variant of Luck 3.Northern English and Scottish : from a vernacular pet form of Lucas.Dutch (van Look) : topographic name from look ‘enclosure’ or habitational name from a place named with this word.Thomas Look (b. c. 1622) was in Lynn, MA, by 1646. His son, also called Thomas (b. 1646), moved to Martha’s Vineyard about 1670.
Boy/Male
English
Lives by tbe stronghold. Surname referring to a lock or locksmith.
Boy/Male
American, Australian, British, English
Lives by the Stronghold; Surname Referring to a Lock; Locksmith; Woods; Fortified Place
Male
Finnish
Short form of Finnish Timofei, TIMO means "to honor God." Compare with other forms of Timo.
Boy/Male
British, English, Irish
Woods; Fortified Place; Bright; Radiant
Surname or Lastname
English
English : metonymic occupational name for a lime burner or for a whitewasher, from Old English līm ‘lime’.
Boy/Male
American, Australian, British, English, Vietnamese
Lives by the Stronghold; Luck; Blessings
Boy/Male
English American
Rock.
Surname or Lastname
English
English : metonymic occupational name for a locksmith, from Middle English, Old English loc ‘lock’, ‘fastening’.English : topographic name for someone who lived near an enclosure, a place that could be locked, Middle English loke, Old English loca (a derivative of loc as in 1). Middle English loke also came to be used to denote a barrier, in particular a barrier on a river which could be opened and closed at will, and, by extension, a bridge. The surname may thus also have been a metonymic occupational name for a lock-keeper.English, Dutch, and German : nickname for a person with fine hair, or curly hair, from Middle English loc, Middle High German lock(e) ‘lock (of hair)’, ‘curl’.Americanized spelling of German Loch.
Male
Greek
(Τίμω) Short form of Greek Timon, TIMO means "honor." Compare with another form of Timo.
Surname or Lastname
English
English : topographic name for someone who lived on a small plot of land, from Middle English plocke ‘small piece of ground’.Americanized spelling of German Ploch.Variant of German Block.
Female
Greek
(Τίμω) Feminine form of Greek Timon, TIMO means "honor." Compare with masculine Timo.
Surname or Lastname
English, Dutch, and German
English, Dutch, and German : variant of Lock.Dutch (van Locke) : habitational name from any of various places called Loock, from look ‘enclosure’.
Male
English
Scottish form of English Jack, JOCK means "God is gracious."
Surname or Lastname
Cambodian
Cambodian : unexplained.English : variant of Timm.
Male
English
Short form of English Timothy, TIM means "to honor God."
TIME LOCK-PUZZLE
TIME LOCK-PUZZLE
TIME LOCK-PUZZLE
TIME LOCK-PUZZLE
TIME LOCK-PUZZLE
TIME LOCK-PUZZLE
TIME LOCK-PUZZLE
v. t.
To prevent ingress or access to, or exit from, by fastening the lock or locks of; -- often with up; as, to lock or lock up, a house, jail, room, trunk. etc.
v. t.
To fasten in or out, or to make secure by means of, or as with, locks; to confine, or to shut in or out -- often with up; as, to lock one's self in a room; to lock up the prisoners; to lock up one's silver; to lock intruders out of the house; to lock money into a vault; to lock a child in one's arms; to lock a secret in one's breast.
v. t.
To furnish with locks; also, to raise or lower (a boat) in a lock.
v. t.
To ascertain or record the time, duration, or rate of; as, to time the speed of horses, or hours for workmen.
v. t.
To fasten with a lock, or as with a lock; to make fast; to prevent free movement of; as, to lock a door, a carriage wheel, a river, etc.
v. i.
To pass time; to delay.
v. i.
To keep or beat time; to proceed or move in time.
v. t.
To appoint the time for; to bring, begin, or perform at the proper season or time; as, he timed his appearance rightly.
v. i.
To become fast, as by means of a lock or by interlacing; as, the door locks close.
a.
Done at an improper time; ill-timed.
n.
A place from which egress is prevented, as by a lock.
pl.
of Time
n.
The period at which any definite event occurred, or person lived; age; period; era; as, the Spanish Armada was destroyed in the time of Queen Elizabeth; -- often in the plural; as, ancient times; modern times.
n.
The measured duration of sounds; measure; tempo; rate of movement; rhythmical division; as, common or triple time; the musician keeps good time.
n.
A lock of wool or hair.
n.
The hammer in the lock of a firearm.
imp. & p. p.
of Time
v. t.
To regulate as to time; to accompany, or agree with, in time of movement.
v. t.
To link together; to clasp closely; as, to lock arms.
n.
A proper time; a season; an opportunity.
travel, tourism, insurance