Adobe® Photoshop® lets you isolate different parts

Adobe® Photoshop® lets you isolate different parts of an image on layers. Each layer can then be edited as discrete artwork, allowing unlimited flexibility in composing and revising an image. LAYER BASICS PAGE 2 OF 11 In this lesson, you’ll learn how to do the following: • Organize your artwork on layers. • Create a new layer. • View and hide layers. • Select layers. • Remove artwork on layers. • Reorder layers to change the placement of artwork in the image. • Apply modes to layers to vary the effect of artwork on the layer. • Link layers to affect them simultaneously. • Apply a gradient to a layer. • Add text and layer effects to a layer. • Save a copy of the file with the layers flattened. Organizing artwork on layers Every Adobe Photoshop image contains one or more layers; every new file is created with a background, which can be converted to a layer. You can view and manipulate layers in Photoshop with the Layers palette. All new layers in an image are transparent until you add artwork (pixel values). Working with layers in Photoshop is analogous to placing portions of a drawing on sheets of acetate—individual sheets of acetate may be edited, repositioned, and deleted without affecting the other sheets and when the sheets are stacked, the entire drawing is visible. Getting started Before beginning this lesson, delete the Adobe Photoshop Preferences file to restore the program’s default settings. To delete the Preferences file in Windows®, exit Photoshop, and then delete the Adobe Photoshop 5 Prefs file in the Adobe Photoshop Settings subdirectory inside the Photoshop5 directory. To delete the Preferences file in Mac® OS, quit Photoshop, locate the Adobe Photoshop 5 Prefs file in the Adobe Photoshop Settings folder inside the Adobe Photoshop 5.0 folder, drag the file to the Trash, and choose Special > Empty Trash. After you have deleted the Preferences file, restart the Photoshop program. Then open the finished art file to see what you’ll be creating. 1 Choose File > Open. Locate and open the Training\Lesson02 folder in the Adobe Photoshop 5.0 application folder or on the tutorial CD. Then select End02.psd and click Open. A collage of business images is displayed. 2 If you like, choose View > Zoom Out to make the image smaller and leave it on your screen as you work. If you don’t want to leave the image open, choose File > Close. Now, you’ll open the start file and work with the image as you learn about the Layers palette and layer options. LAYER BASICS PAGE 3 OF 11 3 Choose File > Open. Locate and open the Lesson02 folder, select Start02.psd, and click Open. 4 Choose File > Save As, type the name Work02.psd, and click Save.
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Agents formed groups (agencies) as they tried to gain scale for greater negotiating leverage.
These would negotiate agreements with a handful of insurance companies, including
commission write backs etc.
There was also product differentiation - there was the entry of Preferred Term, Universal Life
and Variable Universal Life. Preferred Term = blood tests, underwriting, 5 occupational
categories - sharper pricing.
In the UK and Canada, provision of estate tax has been a selling point for insurance. Not sure
that this is the case here.