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backstorywithdanalewis · 4 years ago

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Back Story with Dana Lewis on Wuhan and Pandemic origins

Speaker 1: (00:00) Dr. Fauci. Do you still support funding of the NIH funding of the lab and Wu Han Senator Rand with all due respect, you are entirely, entirely and completely incorrect that the NIH has not ever and does not now fund gain of function research in the Wu Han Institute. Do they fight Dr. Barrack We do not fund your barracks gain of function research. Dr. Barrett does not doing gain of function research, and if it is it's according to the guidelines and it is being conducted in North Carolina. Speaker 2: (00:46) Hi everyone. And welcome to another edition of backstory. I'm Dana Lewis, that was Dr. Anthony Fauci and Republican Senator ran poll squaring off over the origins of coronavirus. Paul accusing the national institutes of health of funding, risky Chinese research into bat coronaviruses in Wu Han. The research is called gain of function, which turbocharges viruses to spread to humans. The idea being that scientists can then anticipate the next pandemic outbreak in a laboratory it's risky science because there have been numerous lab escapes of the viruses on this backstory was COVID 19 created in the [inaudible] Dana Lewis / Host : (01:34) Lab. Did it escape? Did the Chinese cover it up? All right. Joining me now all the way from Taiwan is Dr. Stephen Quay. Hi, Steven. Dr. Steven Quay: (01:50) Hi, Dana. How are you doing great. Dana Lewis / Host : (01:51) Before we launch into the theories of the origins of COVID-19, let's just establish who you are, because it's important, right? Because we're talking about science. So you are part of the Paris group, which as I understand is a couple of dozen, just over a couple of dozen scientists with, um, some of them are mathematicians. They're not scientists, there's a lot of different disciplines in there, but that group was formed because, and what is its raise on Detra? Dr. Steven Quay: (02:21) It's mainly a curiosity around the origin. Um, everybody has, you know, pretty busy day jobs of, of one form or another, but we've committed to meeting once a month, uh, by zoom, um, for about four hours. And we usually have someone in the group where we have a group, someone outside the group present, uh, some scientific aspect of it. Uh, and then we have discussions. I mean, we've, we've put out two letters, uh, publicly to, um, support the who into, into support investigations, further investigations. And that occupies some of our time, uh, the logistics of getting those letters done on the sword. But, uh, and Dana Lewis / Host : (02:55) You are a doctor of what and what is really your specialty and your Dr. Steven Quay: (02:58) Strength. So, uh, I have an MD PhD, PhDs in chemistry, uh, taught at Stanford medical school for about 10 years. Yeah, it's a, it's pretty good school down there in the mid peninsula of California. Uh, my, uh, uh, residency was at the mass general at Harvard and I was in a Nobel prize winners laboratory at MIT. So during the day I was learning to be a doctor and at night I was doing photochemistry across the river at MIT. You're not a geologist. I know I haven't, I've invented a treatment for, uh, for a particular, uh, influenza, uh, using sir. And a, so I have 87 patents and I've invented, uh, seven drugs that are FDA approved, including the gadolinium that's used for MRI contrast. So, uh, about 80 million people have used that drug. So, uh, I'm, uh, I'm, I'm a really nerdy scientist. This is probably the core of Steve cuase. Uh, back in the day, 20, 30 years ago, I would take, take home an inch of before the internet, an inch of scientific papers that I xeroxed. And that was my sitting on the patio with a drink on Sunday afternoon. Uh, this is the way I spent my weekends. So fast-forward, I now do it on the internet. Dana Lewis / Host : (04:08) Let's talk about the origins of COVID-19 because you were also, I understand a signatory to this letter, um, from again about 26 scientists. I don't know if they're the same as the Paris group. I know some of them overlap, um, which essentially essentially says to the, who look, your investigation was flawed from the beginning, the, the membership, uh, that Chinese demanded in terms of the scientists that were on that panel essentially gave the Chinese government a veto and your findings. You tell me how you want to put it diplomatically, uh, just don't hold water. And we need to start Dr. Steven Quay: (04:48) Again. Uh, yes, that's essentially what the letter says. And, um, you know, there was a second letter that actually tried to offer a blueprint of, if you are going to start again, th these are the people you need. This is, these are the skill set of the people you involve. These are the steps you should take, et cetera, et cetera. So tried to lay it out pretty clear. Um, so with any sort of impetus, they have, they have the tools they need to do it right. A second time, Dana Lewis / Host : (05:13) The lineup on the theories, there, there is one that says maybe it was in bats and then it jumped to another host, and then it became, um, you know, it was then transmitted to humans and, and, uh, was able to replicate in humans and grow the other is a lab escape. Dr. Steven Quay: (05:32) Yeah. So, um, I've written a basing analysis of what, uh, of those two theories. Uh, I uploaded it on Zanotta. I think in the end of January, it's been viewed 140,000 times. So just for perspective, I written about 360 publications, scientific publications on various fields in that, uh, this one is one or two orders of magnitude, better than anything else I've ever written. The Bayesean Dana Lewis / Host : (05:58) Is kind of, um, of statistical math formulations on what are the odds, right. And, and I understand that you think through your Basie and calculations, um, that a lab origin was 99.8% possibility. Dr. Steven Quay: (06:18) Yes. Uh, in the legal standard is called beyond a reasonable doubt. So, um, basically it is a three-step process. You, you establish a prior probability based on whatever, you can get your hands on, you do an experiment and you see which way it leans. You drop it into base equation, which is a very simple bit of math. My eighth grade daughter does it routinely. And then you get a new unit to get a new outcome. So 26 pieces of evidence were run. My starting hypothesis was 98% probability. It came from nature. But as you said, I ended up, uh, greater than 99% from the laboratory. Okay. So let's Dana Lewis / Host : (06:53) Kind of walk through this a little bit. Um, first of all, in terms of hosts, if you go back after an outbreak of a pandemic, you generally find patient zero, and then you, uh, or patient number one or whatever it's called. And then you go back and you find the animal hosts. Um, in SARS 2003, there was an, an immediate host. So that was a, that was Dr. Steven Quay: (07:16) A cat. Yeah, it's called the civic cat. It was found four months after the first year patient. Dana Lewis / Host : (07:23) Then in 2013 with mirrors a camel, Dr. Steven Quay: (07:28) It took 10 months, but you're exactly right. It was the Campbell's SARS. We're more than a year into this 16 months, eight 80,000 samples of various animals around China. I mean, one of the biases is that you, you absolutely know China has to be motivated to find it in nature, right? I mean, I think that's an intrinsic either bias or preference, but so after testing 80,000 animals and not finding a single case of it, um, to me, that's one of the most screaming pieces of evidence that came out of the, who study that really needs to be addressed. Dana Lewis / Host : (08:02) Chinese would say they just never came from China that you need to go look in Thailand and Thailand or somewhere Dr. Steven Quay: (08:06) Else. One of the, one of the problems with any of this theory is the, the, the virus keeps a clock or a calendar or a diary. However you want to describe it, but basically you can use mutational analysis and phylogenetics to say which virus came before, which virus and therefore put them in chronologic order. Um, that is one of the important things I do in the Basie and analysis is the, the genetic patient zero. I don't believe it's patient. I don't believe it is the actual patient zero cause it's December 20th, thereabouts, but what's from a PLA hospital, every patient and every specimen from the seafood market is downstream from that. Uh, every, every Dana Lewis / Host : (08:46) Patient close to the Wuhan Institute of virology, by the Dr. Steven Quay: (08:51) Way. Yes. I mean, I, I actually did a separate investigation where, which concludes what I call the line to COVID conduit, which is, is basically looking at which hospitals where the December patients wind with the assumption that they went to the nearest hospital for where they live kind of, and then which, which of the nine subway lines they were near, all hospitals were along line too. And that is a, like a 180,000 probability, Dana Lewis / Host : (09:19) Right? Why is it important? Where does line to run to and Dr. Steven Quay: (09:21) From, I have some very unique features. So it's the closest station to the one in sort of neurology. So, uh, if, if a, if a, an asymptomatic worker came out and took the subway and they would go downstairs, it carries 1 million people a day in normal times, you know, obviously back then before that. So that's, so if you imagine it's a back and forth for people from the suburbs going to work as a half a million people, and that's probably coincidentally, but nonetheless, the number of people have infections. They said they had an in, in Ruan was 500,000. It also has the wet market as its closest, uh, is it's close to subway station. And in fact, the who said they had a map of the infections inside the wet market and they're they're asymmetric. So the west entrance has more infections than the east entrance. Dr. Steven Quay: (10:09) And it's the west end entrance that is closest to the line to subway. Now it gets really cool for amplification because the next station from the, from the, from the wet market is the station where the high-speed rail goes. So from that station, you can go to any corner in China that the high-speed rail services in a matter of hours, if you continue to the end of line to your, at the international airport. So you can literally go from the oneness neurology downstairs, never go outside again and come out doors in London or Paris or Dubai or Houston, um, being entirely indoors. So, uh, I'm, I'm really looking for someone to help me with an analysis show, how much amplification that subway connection probably had, because it's independent of whether it came from the market or the lab. It satisfies both of those, but carrying a half a million people a year and having those two major conduits inside of China and into the world, it probably is part of the reason this thing spreads so aggressively, where do you Dana Lewis / Host : (11:12) Think COVID-19 began? Some people trace it back to, uh, a bat cave, um, where several minors became sick. Uh, I think three of them died and those samples were later taken to the Wu Han lab, uh, where they were doing work on them, trying to understand the bad viruses. And if an indeed it came from a bad at all, it came from a cave. Dr. Steven Quay: (11:37) Yeah. Yeah. So, so we know that that again, after 16 months and literally thousands of animal testings looking for closest relatives, um, the closest relative is inside the came from inside. The one is a virology, a bad call, a bad virus called ROTG 13. It was collected in 2013. Uh, in those in they'll say minds with the miners were sick. Um, there were, uh, there were literally hundreds of samples collected and there, there are eight really critical ones that we would love to have the sequences for because we've seen phylogenetic tree. So Dr. She has, you know, done done presentations and she's, she's teased us with these other seven that are very, very close to our 13, but no one in the world knows outside of the one Institute knows what their sequences are. Uh, I think a lot of us suspect that probably a closer relative in the actual precursor to the gain of function research that led to SARS cov two is one of those other seven. My take is RTG is too far. Uh, you've got to come up with 1100 changes to get from RTG to deciders Coby to, I can do about 600 with kind of two quick things in the lab, but the other, the other 500 are, are too difficult. We know Dana Lewis / Host : (12:52) That that lab at one point was doing gain of function, which is essentially a scientific, uh, scientific term where you scientists and it's very controversial. It was banned in the United States at one point where scientists work with viruses and they try to strengthen them and try and determine when they may through mutations, jumped to humans and thereby head off the next pandemic. And then, you know, there's been a lot of denials by the Chinese that they were doing gain a function. And yet it, it was published at one point that the, the bat lady, the woman who ran the lab essentially was indeed doing gain a function, but did that lead to COVID-19? So you, do you want to, you want to try and string some of that together for me? Dr. Steven Quay: (13:34) Well, there's, uh, look a doctor, she, Dr. Barrack have worked together. Uh, they are either they're one and two, and you can, you can pick, which is which it depends on the day and in the year probably, but they're the number one and two coronavirus, uh, scientists in the world, uh, doing synthetic biology, which is gaining function, which is basically taking them apart, putting them back, back together, mixing, mixing pieces from different species of viruses, Dana Lewis / Host : (14:00) A backbone or element Dr. Steven Quay: (14:02) Well, well, with, with, with, they're always, they're always a bad virus backbone. So, so this Corona virus, no matter where it ends up, started at some point in time in bats and whether the intermediate host is a, is a camel or a civet or, or something else, uh, in this case, we think it's probably a humanized mice. Um, but nonetheless, and, and then, and then it jumps to humans, but what's Dana Lewis / Host : (14:24) A humanized mice mouse. Dr. Steven Quay: (14:27) Yeah. It's a little, it's a little scary, but so you take, you take a mouse embryo and you put human genes into the embryo. Um, so that when it's born, it's a, it's a mouse, but it has human lungs, respiratory system. So if you want to test what will happen precisely in humans, uh, it's, it's a great model for that. Now, Dr. Barrick developed that model and he, his mice physically went from North Carolina to, to the one Institute that's documented again and in publications where she, she thanks him for his mice. It just sounds Dana Lewis / Host : (15:00) Like dark arts, quite frankly, but I'm not a scientist, Dr. Steven Quay: (15:04) You know, it's well, it's, it's, it is. Um, and by the way, Dana Lewis / Host : (15:08) I mean, I'm not, I'm not altogether naive either because I've talked to, I, you know, I, I was based in Russia covering biological, chemical, uh, warfare, the dismantling of the former Soviet union's, um, incredible programs and, uh, an assistant secretary of defense, not a Republican or Democrat in that case under the Obama administration told me that, um, the gain of function research is highly controversial and should be banned and was banned. And, uh, it's high, high risk, you know, again, a dark art in, in, uh, in essence. Dr. Steven Quay: (15:44) Well, it absolutely is, again, in my basing analysis, I talked about the fact that it's, it's absolutely published for 30 years. There has been on average 0.9. So that rounds to one, one laboratory acquired infection per year in Asia. So, uh, these are, these are Cyrus, COVID one, uh, you know, other viruses one a year. So, um, you know, you're just playing Russian roulette with, uh, the 7 billion people on the planet. Dana Lewis / Host : (16:08) There is no good explanation. Uh, I'm reading this, this, this was written by Nicholas Wade, who I interviewed about a week ago. There is no explanation of why a natural epidemic should break out and Wu Han and nowhere else, there is no good explanation of how the virus acquired. And I'm hoping you can explain this it's furin cleavage site, which no other SARS related beta Corona virus possesses. What does that mean? Dr. Steven Quay: (16:37) Yeah. So it's one of my five facts that I, that I talk about that are not in dispute. So there, there are five facts about this event that every person, every scientist agrees to, but they, and they all lead to the conclusion that came from a laboratory. So one of them is, is this unusual fear in sight? Okay. So the spike protein is how the virus gets into cells. It's basically like a key and the lock that the cell has is called [inaudible]. So it's a protein on the surface of your lung cells and the spike protein binds to it. And then a second step has to happen where the other part of the spike protein makes a hole in your membrane and injects the RNA, and then it takes over the cell and then it makes a million of its own copies. So in order for this, so th this, this, the spike protein is one big protein. Dr. Steven Quay: (17:26) So in order to do that physical process of injecting the RNA, it has to actually physically move and, and the, and the, and the, the, the binding part, you got the binding parts of the ACE two, and you've got the other Proctor. This part has to physically move like a hundred nanometers, which is a huge distance on a molecular level to get the, to get, to let the RNA go into the cell. So the spike protein has to be clipped. So most spike, most beta coronaviruses clip it at a place called [inaudible] one, there's only a couple enzymes that will clip it there, which means there were only a couple kinds of cells that it can go into. So we've known since 1992, 11 different laboratories have done a new doctor, Dr. Barrick and doctor. She had the willingness to dos since 1992, 11 labs have put fear in, in coronaviruses and 11, 11 times it does one thing. It makes it either more, in fact, more transmissible or more lethal or all of the above. Uh, and the reason is it, it gives a new way of activating that spike protein with, uh, with an enzyme called furin, which is our enzyme. So basically the, the virus is very economical. It doesn't bother having an enzyme to activate itself. It knows with this, with this new, pure insight, uh, that we'll be able to get into a cell. Dana Lewis / Host : (18:39) You've never found fear in cleavage sites in natural occurring, uh, proteins, or what do you want to Dr. Steven Quay: (18:46) Call it? So, so look at the virus. Kingdom is very big. So influenza uses them all the time, all the time. Um, certain other viruses use them all the time, beta coronaviruses and never seem to use them. So, so we've, we have over 2000 sequences of beta Krone viruses from nature. And the number of Ference sites is zero. It was one is, so I was going to be too. So there's no natural fear on site, in any beta coronavirus. That's just, I mean, look at zero out of 2000, you asked a statistician what the incidence in the population is, and it's, it's, you know, under a 10th of a percent, Dana Lewis / Host : (19:22) It tells you, it tells you what about COVID-19 that fear in Cleveland site? Dr. Steven Quay: (19:28) So it has, it has it, but, Dana Lewis / Host : (19:31) And it tells you what about the fact that it has it Dr. Steven Quay: (19:34) Okay. So if there's, it doesn't, it tells you it was lab created well, yeah, so basically, yes, it's never been found in nature in that class of viruses and in, in, in 11 virus, in Landon laboratory, since 1992, it's purposely been put in, uh, including coronaviruses to make them more effective. So that's one layer of the, of the fear site, which makes it special. I call it the, the immaculate immaculate cleavage site, because it literally has to be if it came from nature, um, the next level is the genetic level. So the, the, the fear inside is four amino acids in a row. Now I worked with golden Cron at MIT. You've got the Nobel prize for the genetic code. So there's three basis in the code for every amino acid. So it's, it's redundant. So, so your genetic blueprint that makes proteins has three nucleotides, one amino acid, three one three one three one. Dr. Steven Quay: (20:30) So there's six different three letter words for one of the amino acids in the Ference. I call our genie there's six different words for the same amino acid. It's redundant humans, like a particular letter word CGG bad. Coronaviruses hate CGG out of the 64. So if there's four nucleotides and three letters in a coat on, you know, that's, that's, you know, that that is 64 different possible codes. So the least popular code on for Corona viruses is CGG they hate it. They absolutely hate it. And yet here it is, here are two of them together. Now I've looked at 580,000 Cotons in beta coronaviruses with the help of a computer. And there are not, there is not a single example of, of the, of the two together. CGG CGG next to each other, Dana Lewis / Host : (21:28) Back to Nicholas Wade last line, where he says the natural emergence theory battles of bristling array of implausibilities. Dr. Steven Quay: (21:38) Yeah. So, so I've been, uh, you know, I've been working with Nicholas for about six months weekly, uh, with, uh, with, uh, you know, some of the science behind, behind some of his writing. So, yes. Um, so that, that's a very that's, that's absolutely weird. Now, why, why would the flip side of that is, is there a, is there a laboratory reason why you'd put CGG CGG in, because if you think about it, if you've got six possibilities for the first Argentine six for the second that's 36 combinations, right? Dana Lewis / Host : (22:10) I mean, why would you, why, why as a scientist, would you put Dr. Steven Quay: (22:14) It in? Yes, exactly. Why is a scientist? Would you put it in? So we know that nature is never going to put it in in 580,000 code ons. It's never appeared there before. So nature hates it. Why in the heck would a scientist do it? If there's 36 possibilities, it's very simple. There's a, there, there, there is an old technique where if you, if you inserted something genetically and you want it to follow it in your experiments, you would put in what's called a restriction site. So you'd put in a set of amino acids that gets clipped by a, by an enzyme. You can buy off the shelf. And then when you run a gel, if the protein isn't, if it's still in there and intact, the protein runs very high on a gelatin. And then if it's been cut accidentally or it's been lost or something, you don't see it. So it's, it's a very common laboratory technique. The one in suits that they've been doing it for years, where you, you, you know, when you do an assertion, you purposely put in one of the restriction sites, so you can follow it in the laboratory. Uh, that's the only one of the 36 that has a restriction site like that. So a lot of motivation for putting that in there. Dana Lewis / Host : (23:23) Well, the allegations have been that, um, the us national Institute of health provided funding for gain of function, experiments, and move on. And then you had this very telling, uh, Senate intelligence committee investigation last week, where a representative, um, Republican Senator, sorry, ran poll then, you know, gets in this, w what looks almost like a court examination with Dr. Fowchee, um, who was the head of the national Institute of health, um, were you in front of this group kind of categorically say that COVID-19 could not have occurred through serial passage in a laboratory Fowchee? I do not have accounting of what the Chinese may have done. I'm fully in favor of further investigation of what went on in China. However, I'll repeat again, the NIH and the NIH aid category, categorically had not fund funded gain of function research to be conducted in the Wu Han Institute of neurology. Does that ring hollow? Dr. Steven Quay: (24:23) Um, I think it does. I mean, it may be, you know, in a really lawyerly court, like way, you know, there's a technicality. So what we have is we have the grants that EcoHealth was funded, and we have the subcontracts to, to sort of Realogy inside those grants. So we know exactly what was expected of the WIB inside the grant that EcoHealth got from NAA ID, which is funky cheese, uh, Dr. [inaudible], uh, work it's clearly, it's clearly a gain of function research. Now, the money didn't go from, from an NIH to Han and went from NIH to eco health, to Wu Han, if that really is what he's relying on, it's, it's disappointing, but, um, I don't have another explanation. Now, he actually also said during that interview that there was no gain of function research being done. And I think on the face of it, the document, the not on the face of the documents that are available to the public, uh, you don't have to even do a foil request. Dr. Steven Quay: (25:22) You can just go online in the NIH. You can see, uh, they're describing Ghana function research in the five-year grant that was funded the fund of the one Institute. They don't call it, gain a function. We don't call it, gain a function, but to describe, but what they describe is gain of function. So the gain of function is a very broad definition of just increasing the, the, the transmissibility lethality, uh, or infectivity of a, of a, of a virus in human, in human population, uh, and using humanized mice and, and improving in purposely causing testing to test for spillover potential is exactly that the, the, I mean, it's, again, I will try to pretend to be interested in what they were doing. So the idea was, can I deal with how close to SARS cov one, so we know Colby wants spilled over, and then we know that there are these virus that are 60% similar in 70% and 80% of the 9%. Literally what they were saying is what percent doesn't have to be like SARS Coby one. So we know it spills over, and then we can use that number to go out in nature and say, well, here's a virus that's 85. So it's not likely here's one that's 92. So it's likely giving them the benefit of the doubt. That's probably what they were trying to do. But, um, we know we know what the outcome is. Dana Lewis / Host : (26:36) Steven, just a couple of quick questions as well, before I let you go. The, um, the data that was online, some of it from the Wu had labs, some of it that you required a password. I understand all of this appears in September, it's taken down in September. So October, November, you know, some three months before the official outbreak, although a lot of people think that they already had cases well into November. Um, what, what do you make of that? And how important is that data Dr. Steven Quay: (27:10) Critically important? I mean, uh, 3:00 AM, September 19th, the server that was available for the world for most of it. And it also did have a password protected carbon, but, you know, Steve quake could have gotten on it the day before, but it's taken offline. Uh, now they, they slept up and they said, well, it's taken offline because of hackers around the COVID infection. And then they realized, oh my gosh, this was in September. So I'm not sure. They're still saying that's a pretty big slip up. Well, it's, it's, it's out there. I mean, that's, that's how it is with cameras anyway, but, um, it's not available to this day. So I asked Peter dash Jackie in a, in a public forum here, uh, maybe two months ago, uh, where if, uh, if he would provide access to those files, uh, and he literally said, it's, it's on the record there that, um, he knows what's in them. He's looked at them and there's nothing there of interest. Uh, and that I, then that that's the basis for not providing them Dana Lewis / Host : (28:05) And show him, show him to the world, because right now that lab is under look. I mean, I, I think you, you tell me if this is an overstatement, but it seems to me that there is a consensus amongst the scientific community. Now that at the very least there are huge gaping, uh, gaps in the China, Chinese official story on that lab. So if you want your lab, if you really want to support your, your suggestion to the world, that it didn't originate in the lab, then make all the data available. That's the best thing that they could do right now to the who or Dr. Steven Quay: (28:38) Whoever agreed, uh, whether they would do that or not as is a political question. Dana Lewis / Host : (28:45) Right. Okay. So we we've, but that, that it does still exist. We think, Dr. Steven Quay: (28:50) Oh, I hope so. I hope so. Are we ever going to get to the bottom of this? Well, see, it's an interesting question because, um, with my analysis, all of my evidence is circumstantial, but I remind people that, you know, uh, there are many sort of murder trials in which all of the evidence is circumstantial. And yet we quite routinely can determine, uh, the guilt of, of someone with a proper process and adjudication and, and, and, and getting to beyond a reasonable doubt. So despite it being circumstantial, I believe it's, it's strong enough at this point in time to conclude, uh, again, beyond a reasonable doubt that it came from the laboratory that the, the key thing to remember with, with, uh, these coronavirus pandemics is there's three components. There's the intermediate is there's the host, the animal hosts, the humans and the virus. This is the only one in which it's a singularity that is, there seems to be only one animal because we can't find any in nature. So there's, there's one animal. Um, all the, all the human cases go back through one patient at the PLA hospital in muon. So when president Trump got it, you can follow the mutations to his virus back to the PLO hospitals. So there's a single area there. Um, and, and the, and the, and the sequences inside the virus. Uh, so, and I'm sorry, the, the patient there's absolutely no patients before December who had any hint of this, of this, uh, infection. So it is a true singularity, Dana Lewis / Host : (30:17) One animal, one patient, one virus, one animal, because normally it takes a virus time to become more and more transmissible. There should be a trail of patience. Dr. Steven Quay: (30:27) Oh yeah, exactly. And again, they, so in my basing analysis, I looked at, at, at stored specimens, uh, in Taiwan, in China, I had about 2000 of them in the public record. None of which had SARS COVID two. So the, who has actually updated that. So they, there are 10,000 specimens, um, in that they reported on their, in their report with zero, uh, serial conversion before the first date. So nobody out of 10,000 in an archive specimens had had SARS COVID two, what is the MERS or SARS Coby, one history they're one to 4%. So that means a hundred to 400 samples should have seen. It should be. There should be evidence of Cyrus. Kogi two in a hundred to 400 specimens out of two, out of a 10,000, there was zero. Dana Lewis / Host : (31:10) The reason why we just spent 30 minutes talking about this and why you're spending part of your career studying this and why so many other scientists are looking at it is because in order to understand the next pandemic, you have to, you need to trace back the origins of this one. Can I ask you something that occurs to me? And you can tell me whether it's ridiculous or not, but in trying to fight this pandemic and come to terms with what COVID-19 is, is it important that we understand it was created in the lab? Does it make it a very different pandemic and a very different fight? Dr. Steven Quay: (31:45) Uh, he has one, it seems to me it has one, um, one aspect of the design of a virus that escapes that causes a pandemic, uh, that I think is, is interesting and worth talking about. So the downside is that it is clearly pre adapted for humans. So when SARS Colby one first jumped into humans, it had only 17% of all the, the, the, the ch the mutation changes that needed to cause that initial epidemic 17%, uh, this one has 99.6% at the get-go. So the downside is it was very pre adapted. So it spread very quickly, very widely. And that was the first wave of it. There actually is an upside to that, which is, it has very little genetic runway, very little movement to improve. So in the spike protein, there are only five, uh, five positions that it could mutate at to get better at, uh, from, from it's from the initial case, it turns out what we called the UK strain that the British strain that was, you know, started in the fall and spread. That was one of the five. So, and now Dana Lewis / Host : (32:55) About the very end, that's Dr. Steven Quay: (32:57) Another one. So it's, so it's used up two of the five possible improvements, uh, in the spike protein in terms of binding. So, um, that's somehow to me, encouraging that, this thing, uh, that we've seen the worst of it, and these variants are not going to be able to, um, to have much impact. Uh, I did another analysis and theirs looked like there's, there's eight, uh, epitopes. So the, the human immune system sees eight separate things on the spike protein when it sees this virus. So it makes eight different kinds of antibodies. And at this point in time, the Indian strain has only gotten rid of two of those eight. So we still have 75% of the epitopes are the same. Uh, you know, when I was teaching at Stanford, 75 was a C, but in, but in immunology, that's a pass fail, and that's a strong pass. You probably have to get well below 50% to do have an issue Dana Lewis / Host : (33:49) There, roadmap on where we will be in a year or three from now, with this virus. Dr. Steven Quay: (33:55) No, I said a year ago now, unfortunately, 7 billion people have to either get the virus and get the vaccine. Um, and I'm afraid I haven't changed that tune yet. We're years away from that. That is unfortunately, that's the analysis, Steven, Dana Lewis / Host : (34:11) Last word to you. And I thank you for your time on, on all of this, just wrapping it together. Dr. Steven Quay: (34:17) Well, you know, I think that, uh, my belief is that as a gain of function research project, uh, my belief is that there is a way forward for gain of function research to be done on a different structure. Uh, I'm going to be pro proposing that publicly in the next few months, uh, when I put together a consortium around how that should be conducted. Um, but I think absent that we're just going to do this again with another virus in, uh, in another decade or another few years, Dana Lewis / Host : (34:45) Or just ban gain a functional together. Dr. Steven Quay: (34:48) We could, that, that would be the easiest. Uh, I'm willing to, to find a middle road if that, if that is, uh, is possible, Dana Lewis / Host : (34:57) Steven CUI from Taiwan, Steven, great to talk to you, thank you so much for taking all that science and trying to make it as digestible as possible. And I appreciate Dr. Steven Quay: (35:05) Very much thank you, Dana, for focusing on this. It's an important issue. Speaker 2: (35:14) So why was there a scientific split on using the term gain of function in the [inaudible] lab? Why do we hear Dr. Fowchee say there was no gain of function? Well, I'm no scientist, but Dr. Richard E. Bright, a professor of chemistry and chemical biology at Rutgers university and a biosafety expert contested Dr. Anthony [inaudible] testimony before the committee saying that felt she's claim made during the exchange with ran poll that the national institutes of health has not ever, and does not now fund gain of function research in the Wu Han Institute of neurology is demonstrably false. According to Ebrary, at least some of the NIH funded research conducted in Wu Han equivocally qualifies as gain of function e-brake was quoted as saying he bride claims that the work being conducted at the Wu Han Institute using us funds a pit of Mises gain of function research, and is the exact kind of research that led the Obama administration to conclude that gain of function was too dangerous to continue domestically. Speaker 2: (36:28) And it was in fact banned in the U S in 2014, following a series of lab accidents. And after a petition signed by 300 scientists, demanded a moratorium on gain of function. The ban was later lifted after a review by a secret government panel in gain of function, experiments were allowed to go forward. The Obama administration's ban was lifted in 2017 under then president Trump. That's our backstory and the origins of COVID-19 subscribed to our newsletter. If you like Dana Lewis dot [inaudible] dot com, and please share this podcast so that others can listen. I'm Dana Lewis. Thanks for listening. And I'll talk to you again soon.

#@drstevenquay @stevenquay backstorywithdanalewis wuhanlab covid19 labescape

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vickyrobinsonblog · 6 years ago

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blogdangerousobjectcollecto-blog · 6 years ago

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We went to the rental car company and they said that being under the age of 18 I can not get a rental car, but I do have full rental coverage on my insurance. Would I be covered to get one since I have full rental coverage? I am going to call my insurer tomorrow to see. But I'd like to know now.""

Can I remove myself from my parent's car insurance policy without them?

I am looking to trade in my SUV for a car. My dad does not want me to do this so he is refusing to switch the car insurance from my Xterra to the new car. So I decided that I would just remove myself from the policy and get my own insurance. Would it be possible to do this if he refuses to call?

""If i just got my permit, can i drive my moms car without insurance?

I just got my permit and want to drive my moms car. Do i have to be on her insurance if i only have a permit?

Car Insurance For 16yr old boy?

What is The cheapest car insurance for a 16-18yr old boy that lives in Milwaukie, Oregon?""

F1-visa student insurance?

I'm traveling to the US to study there and I was looking through a list of insurance companies other than that the university offers ( which isn't obligatory) and I found this company called ISO http://www.isoa.org/ Is it a good insurance company? I mean the rates it covers and the price of the plan is really good. The Gold plan is 39 dollars per month, meaning it's only 468 dollars per year ! Is that expensive, cheap, or just good ? Do you recommend other insurance companies that could be better and affordable ? Thank you.""

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What is the best car insurance for teenagers who got their first car?

I have a 1989 Toyota Camry thats need insurance so i can start driving it.

Which state does someone have to live in for cheap car insurance?

What's the least expensive adequate health insurance for a Connecticut resident?

Aetna Anthem Blue Cross Cigna ConnectiCare Harvard Pilgrim Kaiser Permanente MVP Medicaid Tricare United Health Care Yale Health Plan Pharmacy Benefits is a must I believe

How can i find a good health insurance company?

I have health insurance right now and i just got a HUGE bill in the mail for what the health insurance did not cover. HELP are all insurance companies out to screw you!? I am sooo frustrated! I am a young person barely making ends meet

What is car insurance?

Just car insurance definition not more other else. It's for my own mind calculation.

I got a ticket in my friends car..will it affect her insurance?

okay so yesterday i got a ticket in my friends car..and the cop said i might have to go traffic school or i might just get lucky and just have to mail something back when my ticket comes into the mail hopefully that's wat happens but anyway im just wondering does my getting a ticket in her car mean her insurance goes up? or anything happen to her sinces its her car?? i havent even told her i got the ticket yet lol i was hoping that i could just hide it but my friend said her insurance will go up because of me :(

""NO MONTHLY PAYMENTS, underground CAR INSURANCE?""

I heard that there is a car insurance where you only pay $50 one time, no monthly payments, but you get absolutely NO coverage, so if you're in an accident you are basically screwed. it is a legal insurance if a cop pulls you over and check your insurance it comes up fine. Maybe there are other ones that range in fees? Either way does anyone know any companies that do THE ONE TIME FEE .... IT IS TO PURCHASE JUST THE INSURANCE CARD. BUT PASSES CLEAN LIKE YOU ARE COVERED. please help?""

Insurance on a 2005 ford focus?

What would the average insurance for progressive be on a auto 2005 red focus with 70k miles. For a 17 year old and a 45 year old. Can I legally put my car in my parents name to lower insurance cost?

How many Americans go across borders for affordable healthcare?

No insurance for high school sport?

What happens if you don't have health insurance and you wanna try out for a team? Will they disqualify you from even making the team because of it?

How much would my motorcycle insurance cost?

i might be purchasing a 1999 honda cbr 600s4. i have no riding experience. i live in NJ. i am 22 years old. i have 4 points on my license (from careless driving tickets), besides that, a clean driving record. any sort of educated guess would be much appreciated.""

Where can I get cheap health insurance in NYC as an individual with a relatively low deductible & low premium?

Is that even possible? My reasoning is this: I am 26 and I am self-employed. I am basically just looking for a bare bones plan that will have the lowest premium possible and I actually care more about emergency care than doctors visits. You see, I don't get sick often and don't plan to go to the doctor a whole lot...I just want something in case of an accident and the whole low premium w/ high deductibles thing won't help me...I'll be stuck with a sky high bill to pay off if I stay in the hospital. I'd rather have emergency coverage and simply pay out of pocket for a doctor if I have to. Is there a plan out there in NY that fits this? Anyone know? HELP! I make too much money to qualify for Healthy NY or another low income program..but not enough to reasonably afford a normal healthcare plan when factoring in rent and student loans. (If this isn't a reason for universal healthcare in the US, I don't know what is)""

Does anyone know what age i can start classes to be an insurance broker?

Well yea im looking into that ....well my mother is to be more specific but yea it would be halpful if anyone could give me some sites or info on how to be an insurance broker. Thanks!

USAA Insurance on an RX8?

I am currently 19 years old and have a license with no infractions or anything like that. How much around would the insurance cost for a Mazda RX8, any of these years (2006-2010), for USAA?""

Is Texas a no-fault insurance state?

My G-Friend recently met with a car accident and we are still waiting for the accident report to determine the fault. She was not hurt but the other driver was hospitalized. Your opinions and suggestions welcome about how to handle this with Insurance company and attorney if required.

Forcing to get car insurance?

Two years ago, my ex and I bought a car under her name. It was registered in her name, and the loan was in her name. The insurance was in mine. We split up, and now neither of us drives the car. She didn't have a license at the time of purchase, and she still doesn't, but I did. The dealer told us that we could get the loan in her name, and register it in mine, even though she didn't have a license. When we got the plates, it was registered in her name. The dealer said that was fine, and it was nothing to worry about. We found out that this is illegal to do in New Jersey. We tried to get the dealer to rectify the situation, but they wouldn't touch it. Now, the car doesn't have any insurance or a registration, and a representative from the bank says that they can force her to get car insurance, even though she doesn't have license. Is this legal? Can a bank force someone to get insurance, even if they aren't even legal to drive in NJ? Please help me with this.""

How does car insurance work when making a claim?

What happens when a claim is made after an accident? If a car is written off how much does this insurance company pay? If a car is repaired by the insurance company what happens then? I guess they pay for the damage, but do they pay any extra? If the car is repaired then the value of the car will drop, therefore leaving the driver out of pocket even though the damage was not the drivers fault. How does it work? Cheers""

Looking for a new Auto Insurance?

I am currently insured by State Farm. I am looking for a more affordable insurance agency. What are some of your reviews on agencies like Progressive, Allstate, Nationwide, ...show more""

I am buying a used car from a private party. What do I need to do before and after buying the car?

Before: carfax, test drive, mechanic check... anything else? After do i need to register it in my name to my state dmv within a certain amount of time? I talked to my insurance ...show more""

Do I need Liability insurance?

I live in So california, and just brought lots In Texas,Arkansas and Utah.The lots are vacant land. Im being told that laibility insurance might be wise. is there someone out there who knows for sure.""

Why did my car insurance go down?

My car insurance premium went down by $10/ mo. I have no idea why. My credit score just went from 631 to 747 in just a couple of months because I fixed some errors, and I am also turning 24. Could either of these be the reason that my premium went down? Or is my car just worth less b/c all the new models are comming out? I drive a 2002 Honda Civic.""

How much does car insurance cost for a 19 year old girl?

Living in South Jersey. 2 years with a license. No accidents/ tickets. GPA 3.0+. Good credit score. For a used car newer than 2003. I just need a rough estimate. I don't want some insurance agent to call me for an quote or get random e-mails from insurance companies, right now before I buy a car.""

Fertility health insurance in ma?

do anybody know where i can get health insurance in ma that covers infertility or fertility procedures like ivf or iui??? please help. thanks

Am I insured to drive a company van?

My employer does not pay me until I arrive at a job. Which in my book means I am not yet at work. Does this mean I am not covered by the insurance to drive that van?

Car Insurance Claim Help?

Car Insurance Claim Help? On the 4/7/2011 I was at a set of traffic lights that was (RED) of my way to the shops. As the lights went green I begin to move off slowly as I did another car came from the left of me and tried to turn right as he speed up he crashed into the drivers side of the car. He clearly jumped a red light (Clearly Seen on CCTV). I was in total shock at the time! After he crashed into my car he went to drive off by reversing, I jumped out of my car to stood in his was so he could not drive off the witness behind me called the police while I was stopping his from driving off he started to drive forwards trying to me me out the way. After the driver spoke to the police on the phone, he then gave me his Name, Phone number and Insurance information. The next day I called my insurance company they was vary helpful and I believe the clam would be settled in my favor as I had CCTV of the crash as I had a camera inside of my car and a witness that was behind my car at the time of the crash. After nearly 4Months I have now revived a letter stating that the claim has been closed on a Without Prejudice Basis. When I contacted Aviva to see what the 3rd party has not accepted full liability they said it was dealt with like this as the 3rd party who crashed into me was not responding to and calls or letters that have send him. Aviva did not asked to see the CCTV of the crash and did not take into account the witness statement. WHAT CAN I DOOO??""

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How many people really need or should recieve help buying health insurance?

Out of all uninsured 40% are living on a household income of $50,000 or more a year. Unfortunately alot of people would like to indulge in lifes luxuries such as cars, tv, computers, cell phones, and vacations before thinking about their own health and safety Another 20% are non-citizen which includes illegal immigrants. This is straight from the census bureau which the president would use for his information. http://www.census.gov/prod/2008pubs/p60-235.pdf What do you think?""

Is a 2006 Hyundai Tiburon GS a good first car for a 16 year old male and about how much would insurance cost?

It is a V4. I have taken Driver's Ed. I have taken Defensive Driving. Taken the State Farm test thing. The car is dark blue.

I need help with Car Insurance... Please!?

I am a 17 year old male in the UK and have just passed my test on september 2012. I cannot get insured anywhere because they are all charging me at least 500 pound a month to be insured on my mams car (Corsa SXI 2002), i cannot afford this... obviously. I have tried almost every car insurance site and i cannot seem to find any cheaper than 500 pound a month! It is very frustrating because i am a very sensible driver. I need some help!!! Is there any cheap cars that i can buy that will make the insurance cheaper? Can you recommend any cheap or used cars that have cheap insurance for young drivers? Can you recommend any good insurance sites for young drivers? Please any help will do!!! Thank you""

How do I get health insurance for my baby to be born in April?

I am self-employed, therefore have a limited health insurance plan just for me & my husband (In other words, no employer health insurance). To keep my premiums affordable, I have a very high deductible, no maternity coverage (I am paying cash to a midwife), very bare bones, in other words. Can anyone direct me as to what company/where to start? The one company I inquired with told me I could not even submit the application until my newborn was 32 days old. Is this standard practice? Thanks for your help. I really detest the subject altogether!""

Insurance rates going up?

If there is a licensed driver in a home where ppl have auto insurance would the rates go up? I really need to know.

Is it common for homeowners insurance to up without notice?

I have only owned my home for a year. I got a letter from my mortgage company stating that my payment would go up because my taxes and home owners insurance has gone up. I contacted statefarm to find out why my insurance went up (i was not notified) and was told that the company increased my dwelling coverage. Is this common?

Car Insurance Firms NOT on Comparison Sites?

Can anyone give me a list of car insurance companies that ARE NOT on comparison web sites like Confused.com? My insurance is up soon and I want to make sure I get the best deal by checking with as many of the big companies as possible. I will be using Confused, but I also want to check with the ones that aren't on there. Thanks.""

Where can i get on birthcontrol cheap and without insurance in dc or md?

I really need to get on birthcontrol and i'm looking to get on the pill. i need something affordable and i dont have insurance. I also go to school in a different state than where i live so i would need to get it comehwere that allows me to pick it up from different pharmacies depending on where I am at the time.

How much is a 16 year old guys car insurance for every month ?

How much will my insurance increase after a MINOR fender bender? (ballpark figure please)?

After 11 years of error free driving and on-time insurance payments, I managed to back into someone in a parking lot going about 1 mph. My car was NOT damaged, except for a scraped bumper sticker. The other driver had cosmetic damage only, and being the good guy that I am I gladly helped her navigate the insurance claim. I figured that if it was my car that was dented, I would want it taken care of. Do onto others, right? Anyway, the total payout of the claim was $556. That's roughly seven months of my premium payment. So, how much can I expect to see added to my yearly premium? 10%? 20%? more? Also, how long will it take to recover back to my previous rate? Finally, considering that I've paid this company much more than $556 over the years, how much of an increase should I accept before I start looking for a new carrier? This is technically my second insurance company - I was on my parents policy until I was 22 (I'm 27 now). So I haven't been with them forever, but I am not ready to jump ship unless they really screw me. Thanks!""

Car insurance...???

my cousen is on his dads car insurance.there is no claims on the insurance either, when they first set up my cousen on his insurance they gave him a fixed amount to pay each month, they signed a contract on that agreement. but they took double that amount out last month and are now saying that they owe them more money, they have put his insurance up without sending written warning or any other kind of notice.. is this legal.. is there anyway we can catch them out? please help""

How will health insurance brokers be affected by healthcare reform?

will health insurance brokers still have a job?

Are Honda's usually expensive on insurance?

Also what are some good looking cars that arn't to bad with insurance (I know that it all depends but still) oh and we have geico, thanks!""

How much does will my insurance pay? My car was totalled?

My car was in a serious accident, and is irrepairable. The insurance company is coming down in a day or two to check out the car. I was no at fault, police are still looking for the guy at fault. However, my car is done. Will my insurance company give me the value of replacing a car like that, like if I were to buy one again, or would they give me the book value?""

Is insurance required to keep a valid Florida driver's license if I dont own nor drive a car?

I am not currently driving nor do is there a vehicle under my name. If i do drive it will be a friend or girlfriends car. Will the florida dmv suspend my license now that I have been removed from my parents insurance?

Trying to find cheap car insurance for myself and daughter (she has a provisional licence) any recommendation?

small Matiz. 7years Ncd

What are the cheapest cars to insure as im 19 and just passed my test (male)?

Also what are the best insurance comparison sites for someone of my age, as most quotes are ridiculous!""

""Moving from Texas to Arizona, how will it impact family auto insurance?""

I have auto insurance with my family who lives in Texas, but I am moving to Arizona. Right now my insurance is on a family plan which has multiple vehicles as it is much cheaper than if I were to get the car insurance by itself. If I register my car and license in Arizona, will the insurance agency not allow me to continue insurance with my family as we're in different households and states? Insurance agency is Metlife if that helps.""

Insurance on a streetbike?

so i live in southern california 19 years old 3 years car driving experience 0 licensed with a motorcycle valid motorcycle permit 3 accidents on my record 2 including totaling cars... i was wondering if any1 happens ot have close oto the same things and know what i should expect iwth MINIMUM insurance no comp or collision or anything just basic liability.. but i do want max medical payments

Are SUVs more expensive to insure?

I know you can't tell me for sure whether or not one will be more expensive. But, generally speaking is a small SUV such as a Ford Escape more expensive to insure than say a midsized car like a Honda Accord.""

What insurance companies will insure someone with a DUI on his record?

My boyfriend and I have our car and house insured under State Farm, but apparently they have a zero tolerance policy and have dropped him from the insurance. My agent was saying something about 're-evaluating' at some point in the future, but he was being so rude to me about it (I wasn't the offender) that I didn't really listen, and have no interest in staying with State Farm (at least with that agent). I assume if State Farm has a 'zero-tolerance policy,' they're not the only company that does, so what companies would insure us? We understand that we'll have to pay higher premiums, which is fine, since it's the consequence of his actions. I'd just rather not go with some cheesy insurance like The General or Safe Auto.""

How to renew two wheeler insurance ? Can I purchase some other insurance ?

Hi All, I have two wheeler (TVS wego), and when I purchased it I had United India Insurance which is expired, I want to renew it. How do I renew it or can I buy some other insurance as other can be purchased online ? Is it acceptable by RTO ?""

Do you pay a fine if you dont have health insurance in the U.S.?

and in california? i heard that you have to have health insurance or you will have to pay a fee/ fine or something is that true? it doesnt make sense because people who dont have health insurance cant afford it but now there's medicare and obamacare so does that mean you are forced to have health insurance?

Universal Health Care- Insurance Companies?

Will private insurance still be available if the US becomes a single payer health care? If not, what will happen to all the insurance companies, will everyone be laid off?!?""

UK- Can you help me find cheaper car insurance?

I currently own classic mini and after 6 months of driving it i want something more reliable. I didn't earn any no claims bonus on the mini as it was on a classic car policy, which I paid 900 a year third party, fire and theft. I want to get a 1.3 toyota yaris but cheapest insurance I have found is 5500! I will be the main driver of it and no i will not front it (go as named when im actually main driver). Which companies are best for young people. I don't want to pay more than around 2000 a year on the insurance. I know there are many factors that affect insurance but I'm looking for companies with good deals/lowest premiums and/or general tips to reducing the premiums. I live in the UK by the way.""

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Social insurance number?

i'm living in alberta and have my social insurance number but i'm moving to saskatchewan, is there a form i need to fill out online or do i have to go to the provincial building?""

""Why is it that I am still able to be sued for an auto accident if I live in Florida, a no-fault state?""

I've been in 2 accidents. The first was very minor; I rolled into the bumper in the car in front of me at a stop light and scratched their bumper. No damage was sustained to my car, but I am at-fault. The second I was cutting through an intersection that was at a red light and was about to pull into the left-turn lane when the woman in the car that was coming down the lane wasn't looking forward and hit the driver side door of my car. I was already halfway in the lane trying to straighten out into the left-turn lane but I couldn't move when she was coming, because if I moved back I might have hit someone and if I went forward she would have hit me anyway. At the scene the policewoman told me I was at fault, but when I talked to my claims adjuster, she told me that there is some negligence on the other party's part because if I had just randomly pulled out into traffic, the other party would have hit the front of my car, not the driver-side door. I am being sued by the first person and I found out just now I am being sued by the person in the second accident as well. I was told that since I am registered under my parents insurance, the other party can see that they have a lot of assets they can sue for from my parents. My question is, why are they able to sue me so easily? I've done research, and I know Florida is a no-fault state, meaning drivers cannot sue each other unless serious injury occurred, such as loss of life, limb, permanent injury, etc. In both accidents, I did not get ticketed, and I believe no police report was written, only exchanges of information.(Police were called, however. I did not leave the scene) Also both of the other parties did not ask for an ambulance or medical assistance(I know about the feeling pain later thing) but I'm sure if someone was suing for something as serious that can be listed as loss of limb or death, they would have showed some indication of injury at the scene. Both people stepped out of their cars and were fine, however.""

Is it possible to get different car insurance under the same household?

Hi, So I have a question regarding different car insurance. MY family has allstate for the car insurance. However, I do not want to go under allstate for family reasons. I am trying to get geico for my car. However, my father states that if you were to get geico you would still have to add everyone's name under the insurance policy. I am trying to get my own individual policy without adding anyone under the car insurance policy. I wanted to know if it is possible to get different car insurance under the same household? Thanks :) P.S: I am 23 years old. About to turn 24 years old. I wanted to get my own individual policy without adding anyone on the car. The car was a gift from my parents to me.""

Cheap insurance for bmw 318?

websites arnt even close to being accurate to get insurance quotes from so i was wondering does anyone have the experience to tell me reasonably accurantely where is the cheapest place to get insurance for a bmw 318 in northern ireland for a 2nd year driver with no claims and how much is it

Car insurance in America?

Im just curious, seen as how there are very few small cars in America compared to Europe, does the size of a cars engine have a big impact on your insurance, as in the bigger the engine the higher the insurance cost?""

Pregnant with no health insurance?

I just moved from Washington to Massachusetts. I don't have Massachusetts health insurance and I'm now 4 weeks pregnant. I don't have a job right now since I just moved, but I'm trying to get one I can do throughout my pregnancy. I'm 17 and all of my family is in Washington. My first priority right now is getting health insurance so I can make sure my baby is healthy. I've been trying to do some research but have no idea where to begin. I want to know if anyone knows how a pregnant teenager can get affordable health insurance in Massachusetts. Or if it would be possible to get on my boyfriend's health insurance plan.""

Best car insurance company to use?

I am 22 and just traded my 2003 VW beetle for a 2010 honda civic LX (which is being financed). I use 21st Century and they're going to raise my rate by a couple hundred dollars per year. I pay every 6 months. I feel like this is too much. Even though I'm not yet 25, it seems a little excessive. Are there any suggested insurance companies with a more competitive rate? BTW I'm in California if that makes a difference...""

Did you know that Geico could save you 15% or more on car insurance?

""Car insurance, help!?""

I'm 21, fully comprehensive insurance, new '09 plate car, my car insurance costs me about 300 per year. I am going away to Alton Towers next month with my partner and two friends and I was wondering what is the cheapest way of going about insurance to enable them to drive my car for the 2-3 day road trip down there and back. We want to split the journey between two of us as it will take about 6 hours there and 6 hours back so we were going to do 3 hours each there and back. We're taking my car as it's the only reliable one and the most spacious. The two people possible for driving is a 19 year old boy (im guessing the insurance will be way too high for him) and a 19 year old girl. They both have their own cars and their own insurance and have both been driving for 1 - 2 years. The girl will be 20 when we actually go down there but she is fully comprehensive on her dads insurance. What can we do? And please don't suggest I drive all the way as I've done it before and I said i wouldn't again as it was just too long to concentrate on one big stretch of road, even with a couple of stops. Thanks people! x""

What is the best thing to do when an un-insured driver hits you and you only have liability coverage?

I was hit July 16th behind my rear passenger door. I drive a chevy malibu 2000. The driver's policy was cancelled 12 days before the accident. I was told to repair my car I would need to take him to small claims court. What is the best option I would have? Would I even win because by law you are not allowed to even drive an uninsured car therefore he should have never been on the road?

How to find affordable health insurance?

I am an international student in the US, and by law I am required to get health insurance while I am in university. I have been buying from Blue Cross Anthem and the price is getting very unreasonable over the years. The price is close to $1500/year. What company do you suggest me to get cheaper insurance from? Something preferably under $1000. Insurance Broker must certify that all of the following conditions are met: * Policy must be in English * All coverage limits must be in US dollars * Medical benefits of at least $250,000 for each accident or illness * Full cost of medical evacuation * Full cost of repatriation of remains * Coverage for the entire academic year* * Minimum 75% coverage for each accident or illness * No capped benefits e.g. $1,200 per day for hospital room * Maximum deductible of $100 per condition per plan year * Maximum out-of-pocket expenses $2,500 or less * * Must cover pre-existing conditions, with a wait period of no more than six months if attending the full academic year Thanks in advance.""

Car accident with no insurance?

I'm 19, and the car I was driving was constantly breaking down. When it was completely broken for two months, I stopped paying my insurance and instead saved back money to get the car fixed. My insurance canceled during that time. When I got it fixed on Friday, I was planning on renewing my insurance Tuesday, a day I had off work. Unfortunately, Saturday morning I got into a car accident. I was turning out of my apartment entrance to get to a middle lane where I could then get onto another road, and somehow didn't see a car close enough to hit me. He t boned me in the drivers side. Somehow neither of us got hurt. My car is pretty much done and his car, while not as bad as mine, did get some split open damage. The ticket says the damage is worth 3,000. Since I had no insurance at the time, how will this get payed??? I have a court date on the 9th to discuss the fact of my no insurance...I'll have coverage by then of course, but I'd like to know what I should expect...""

Car insurance company discriminate against me because I was not born in the UK?

I had a quote for car insurance through a well-known national company. They were aware I had a UK licence for 5 years and had no convictions, claims etc. I rang and spoke to a representative and she confirmed the quote. The following day I decided to accept and called them. We went through my information and the agent said, so you were born in the UK? I said no, I am a UK citizen but I was born abroad. The quote then went up by 200 !!!! I took issue and spoke to a manger who said this was legitimate when I told him I was certain it was illegal since the only information that had changed was my place of birth, he eventually said he would honour the original quote. I then bought the policy with a one-off payment. Insurance is a racket and I don't think they should be alllowed to get by with this. Does anyone know anything about this and what can be done next to make sure it doesn't happen to other people?""

Whats a good insurance for an orthadontist?

I want to get my teeth fixed and straightened, but I don't have insurance. I'm 20 and I work part time so I don't get the full benefits like the full time employees. I could always apply for medicaid but I'm not sure if it will cover the costs of the kind of surgery I need.""

How to get a good quote for my car insurance?

basically, i've got 1 year no claims with direct line car insurance for the past year( only 1 year driving experience). i was paying 85 for fully comprehensive, and was 24years old when applied for the insurance. i just received a letter from direct line for my renewal, and now it's gone up to 109. i was wondering what might cause it to increase, and if now am over 25years should i really inform them (if it's gonna make a difference). is it advisable to switch to another company for maybe cheaper deals?! p.s i have a vauxhall calibra year 1995""

Can I get SC insurance with my car registered in MD in my parents name?

My car is still registered to my parents and I have MD insurance through them. I live in SC and insurance is much cheaper down here. I plan on switching the car to me once I have paid the car off. Can I still get SC insurance with the car still being registered in MD and in my parents name? I can't get a SC license either until I have insurance that is covered in SC. Please help!

What's the average insurance cost of a 17 year old just strating to drive?

1.) In a 1.0 engine car 2.) In a 1.5 engine car 2.) In a 2.0 engine car

Car insurance for a 17 year old?

First of all i need a new car and now i have a 2004 honda civic and i got prefered to a 2011 camaro from a friend who really needs to sell it because they are having a baby and they offered me 2,500$ to 3,000$ ofcourse id take it but my mom said if the insurance is really high i cant get it? How high would the insirance be its a two door 2011 camaro""

Will applying for medicaid affect the insurance I have now in any way?

I am 32 weeks pregnant and I am covered under my dad's insurance through Tricare. I remain eligible under his insurance until I am 23 and everything is full coverage. However, as soon as my baby is born he is not covered at all. I am looking into my options and I read that if I apply for medicaid now, then I can call the day my baby is born and just have him added on so that way he will have coverage right away. I am worried if I do try and apply for medicaid now that it will affect the insurance I am covered under now by Tricare. I do want to stay under tricare, I do not want to lose this insurance and its coverage if that is the case. I am also worried that since I have to wait until the baby is born to apply him for his own insurance through CHIP or Medicaid - whichever one he ends up qualifying - that I will have to wait a long time before he is actually covered and I know the baby is going to need check ups and a pediatrician right away. I am really worried about all this and wondering what is my best option and what I should do! Will I lose my insurance if I apply for Medicaid in advanced so my baby will be covered right away? Is my best option waiting until the day he is born and then applying? I also live in PA if that makes any difference. Anybody who can help out, thanks!""

How much is the average price of veneer on your teeth ( average price)?

Only done to the front two teeth.

I'm disabled a on social security. Is there a cheaper auto insurance that I can apply to in Florida?

Im moving to flordia on March 3ed. An I need to find cheap auto insurance. Here in NJ we have a program called Dollar a day. But its only for people on Medicaid or Medicare. Does Fl have any programs?

6 penalty points for driving without full license?

I recently received 6 points for driving without full license and no insurance. Car was insured but named driver was not in the car (i was insured as well but without somebody over 21 years old with license next to me so insurance is not valid then) What happens next? It was stupid idea but you always learn on mistakes :I

Can switching to geico really save you 15% or more on care insurance?

...............

Getting car insurance - online quote?

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What is the average insurance cost for a electronics store holding under $30k in assets per month in brooklyn, ny?""

Nara Visa New Mexico Cheap car insurance quotes zip 88430

https://www.linkedin.com/pulse/tip-cheap-car-insurance-detroit-michigan-gary-lopez/"

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sparklyeaglepoetry-blog · 7 years ago

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Why not sell medical insurance like Auto insurance?

"Why not sell medical insurance like Auto insurance?

I know this is long but please bear with me. Rather than set up a separate government run medical insurance or expansion of medicare to the general public....One criticism of government care is that it will be in direct competition with existing providers. Ultimately siphoning insurance customers away from traditional plans and onto the rolls of govt care causing these providers to go out of business. Here in my state the auto insurance companies MUST offer the same basic minimum coverage in order to do business in the state. Everyone here must have at least the same basic level of insurance (both auto and medical) . You can go to any provider you choose and this basic minimum insurance level costs the same . If you want more insurance you can pay for additional coverage. But that basic plan is available to all. So why not have a similar program for medical insurance as part of a nation wide group policy. This group can be subsidized by the government but it would be managed by the existing insurance providers. (In other words if you want to be in the insurance business you must offer and support this minimum plan which would be a foundation for any other plan you offer) The govt pays the insurance company a flat rate to manage each person enrolled in the basic plan. The more money the company saves (the better they manage the insurance) the more money they keep. However if that company provides poor management it will cost them. Either subscribers will change management companies if they feel they are getting a raw deal or wasteful management would not be payed for by the government. One advantage I see here is that consumers would have an alternative providers to go to if they feel wronged by a particular management company. Insurance providers also have an incentive to offer additional services to the basic plan members in order to attract more subscribers and earn money. With a govt program like medicare your stuck with the one provider (the governement). As they say One Choice is NO Choice.... If someone wants additional insurance they can buy additional coverage from any provider they choose. But No one could be denied coverage for the standardized basic plan. Since everyone is part of this national group policy the basic insurance is portable and independent of supplemental policy one may have. So if you change jobs or move to a different state you may loose the supplemental policy BUT your basic coverage remains intact. You merely transfer the company that provides the management services for the basic medical. Insurance providers would get paid by the fed to manage the participants in the basic plan for each participant in the basic plan. this would put market forces into play for the insurance providers to make money by attracting additional participants through better service or offerings. COunter to this is if the consumer gets crappy management services they can transfer to any other insurance provider.

BEST ANSWER: Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr

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Can I get affordable life insurance for 200,000 or more?""

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anybody know?

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I'm a 17 year old female, no problems with driving, and with drivers ed course completed and certified. I have good grades going from 70s-90's. I'm looking into getting the new 2012 Ford Fiesta once I get my G2. How much would I pay a year/month for car insurance? Thanks""

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What effect will Obamacare have on U.S. per capita health insurance costs? . [SEE BELOW]?

What effect will Obamacare have on U.S. per capita health insurance costs? Note that my question is per capita -- If you take the total payments toward health insurance in the U.S., and divide by the total number of people covered by health insurance... How has that average per capita cost of health insurance changed in the past five or ten years, and how is it likely to change over the next 5 or 10 years? thanks for your answers""

""Pregnant and no health insurance, what can i do?

Im 6 weeks pregnant and i dont have health insurance. I have a full time job and my husband does also but I cant get health insurance through either company. I know we make too much money for medi-cal but what other insurance company can i contact in California?

How much does allstate charge for insurance ?

Im wondering about how much would allstate charge for insurance on a Range Rover sport supercharged ? Help please and about payments and all of that .... thaanks :)

Who has the cheapest Full Coverage Auto Insurance?

Me and my husband are looking for full coverage auto insurance for both of our cars, a 2005 Chrysler 300 and a 2005 Chrysler Sebring, to be exact. I am under 25 years old (I am 24) and he is 25. As of right now we are insured by State Farm. As you can imagine being that I'm under 25 and he is a male and we want full coverage, our insurance is extremely high. Does anyone know of any reasonable prices in Houston for a young couple such as ourselves????""

Why not sell medical insurance like Auto insurance?

https://www.linkedin.com/pulse/insurance-help-please-florence-davis"

0 notes

superblyjovialtheorist-blog · 7 years ago

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I was speeding....what happens to my insurance rates?

"I was speeding....what happens to my insurance rates?

I was going 65 in a 50 zone, at around 8 on new years day up near ocean city delaware. I had just been at my girlfriends bayhouse, so obvioiusly i was in a good mood,and there was nobody out on a highway. Then WHAM red and blue. It wasnt excessive speed or anything,so i assumed that i had a tailight out, but then he gave me a ticket. now what happens to my insurace? do i get points on my provisional license?do they revoke it?

BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr

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People keep saying that Romney care made insurance affordable in MA. If health insurance in MA is cheap compared to other states I'm wondering how much you pay and where do you live? I live in MA and I pay $14K a year for Tufts. BCBS of MA wanted nearly $20K.

Can I drive my second car without insurance?

Hi, I bought a second car, the insurance on my first car allows me to drive any other vehicle with the owner's permission. Is it illegal to not insure my second car?""

Motorcycle insurance rate estimation?

I want basic liability insurance for a lower cc Honda Phantom, 700 cc tops. I am a 21 year old male who committed a DUI 2.5 years ago and is now alcohol-free. For that reason, I feel ...show more""

What companies offer dental insurance in california?

This is about car insurance?

Ok. i have a direct debit set up with swinton for my car insurance every 26th of the month. This december I got paid on the 18th and i have left no money in there for my direct debit to come out when they took it out on 29th decemeber. I didnt realise this happened until friday 29th january and got a phonecall form them telling me they are cancelling my car insurance. I was angry as I had no letters to confirm this and no phonecalls. My phone is broken and I had changed my address (which i have given them about 10 times) they said there was nothing i could do and cancelled my insurance. They have now told me that because i havent paid that its been sent to the debt collectors and is a criminal offence!!! My argument is they did not change my address even after I had told them time after time. Is there anything I can do, or if anyone has any advice what I do now. I have set up a new insurance now but its 8 more than my last one!!""

Am I eligible for Affordable healthcare act?

55 years old, no income this year. Pre existing condition. Florida resident. own non homestead property. The way I heard it, no job/ no income people aren't qualified. I lived off ...show more""

What raises car insurance premiums?

I accidently dented my roomies car with a scratch as well. I was told by a good friend since the car was parked if she took out a claim on it and she didn't list anyone who's at fault (in other words she doesn't know) that her insurance would pay for it. First is that true and if so, would that raise her rates? She told me it would raise her rates. Also she said all it needed was to be buffed, how much do those usually cost? She has a 2007 or 08 Saturn VUE. Because if the buff isn't that much it might not be worth it to challenge her. But there is a possibility the damage might be more then a buff can handle.""

I was speeding....what happens to my insurance rates?

Do I need to switch car insurance for being out of state temperaily? Am I still covered?

I have car insurance in Florida, but I'm going to be going to school in New Jersey for probably for 2 years. Do I need to switch my car insurance or will I still be covered under FL rates? My DL has my Florida address and my car is registered in Florida. I plan on going back, so what should I do? Thanks (I'm with State Farm BTW)""

What kind of insurance would I need for renting out my backyard for parties/events/weddings etc?

is there any company that specializes in this insurance or an agency that deals with event rental properties?

Switching insurance - will my accutane be covered??

In a weird spot - will be switching insurance within a month and a half... but i'm just starting accutane now... will the treatment be covered when i switch health insurance companies?! please help!

Where Can I Get Cheap Car Insurance?

I drive a Jeep Cherokee 2004. I am looking to purchase car insurance and have been uninsured for about 6 months. I am 22 years old, will be in college starting August. I have had about 4 tickets in my life, have never had an accident, and my license have been revoked only because I failed to pay the tickets. They are now valid. I live in Florida, where it is sooooo difficult to get insurance. You are not allowed to be insured and then get insurance.... You have to have insurance from day 1, which I had, but mom dropped me from the plan as they live in GA! I make about $800 every 2 weeks, and I do have other bills. I am looking for some car insurance that I can afford and get coverage! All Florida residents, please help me out. Thanks :)""

What are premiums in insurance?

I'm looking at insurance policies.

How much did your car insurance rate increase when your 16 year old began driving?

Insurance question?

When you move in with your boyfriend could you be put on his insurance, or would that only work if you are married?""

Around how much will car insurance be for me?

hi, im going to get an rsx soon, im 19 in california, and i was wondering how much insurance would be around for me? full coverage would be how much? and the cheaper one is how much? ( dont know name )""

Car insurance?

is there such a thing as shared car insurace, kinda like family health insurance?( like 1 insurance bill 4 2 cars)""

What is a good car insurance for someone that is 17?

im 17my car is insured by my moms insurance but she wants to take me off. What are some good options??

""Car insurance question. Help desperately needed, please!?""

Here's the situation. Before I start here, I will say I have never sold a car/transferred insurance in my life until now (I'm 37) and I'm panicking. (Please don't laugh; I am somewhat mentally disabled and have a hard time understanding business side of things). Please bear with me: I have a 2000 Chevrolet Malibu with 178,000 miles on it. Last Friday, my husband's brother decided to give his 2005 Hyundai Elantra (53,000 miles) to us as a free gift. We decided to sell the Malibu to some friends of ours (with whom we have been friends for quite a few years). My friends have already paid us and they have a Bill of Sale and next week we are getting a duplicate of the Chevy title in the mail (because we lost ours), at which time we will transfer. Here is where the confusion begins: My mother-in-law (who is a retired State Farm insurance agent) drew up a Bill of Sale that indicated as its last sentence at the end, Buyer will show proof of liability insurance at the time the car is received (or something like that; I don't have the Bill of Sale in front of me). We saw our friends today to get the Bill of Sale notarized (they already paid for the car; we're just waiting for the title for the Malibu to arrive via mail, as mentioned above). Their insurance agent is about 90 miles away, I find out, and will need pictures of the car. Our friends insist that my mother-in-law is just being a mom since we're new at such a transaction (our friends have owned and sold boats, cars, etc., so they are experienced at this, too), meaning that she's being overcautious by saying they need to present proof of liability insurance at the exact time I give them the keys to the car. So, once I give them the title and the keys, are they responsible for when they get the car insurance? My Hyundai is covered through my insurance agent (my mother-in-law called them and got coverage on it already), but she insists that I am not to get insurance verification on the Hyundai until the friends show proof of their insurance on the Malibu after they get possession of it. Is that correct, or is my mother-in-law just being overcautious? (I would think that once I switch the Malibu title to my friends' name and give them the keys, that would relieve me of any responsibility any longer to the Malibu). Help me, please. I am so confused; I have my mother-in-law telling me one thing, and my friends telling me another. Both sound correct. So would I be right if I did these (in this exact order): 1) switch the title over to their name & give them the keys to the Malibu. 2) call my insurance agent and report that I sold my Malibu, and ask them to type insurance vertification for the Hyundai. (would I have to be present in person for them to type the verification for the Hyundai? Also, would my report of me selling the Malibu mean that they would cancel the insurance on it immediately?) I am sorry this is so lengthy; I tried to explain this the best as I could. I just want to do what is correct in the eyes of the law.""

Car hit by uninsured driver - how to recover the costs?

My stationary car was hit by an uninsured driver in March 09. The insurance company made me pay 500 excess and said that this will be fully recoverable as the other driver was at fault. The car was then written off and I was paid the value of the car. In December the other driver was found guilty of driving without insurance, fined and given penalty points. Even though my policy gives me legal cover, it has now been 11 months since the incident and they do not seem to be very active. Also, my policy expires next month and as the claim is still open, the insurers assume that I lost my no claim bonus and quoted me twice as much for the renewal. I'm confused now, is there anything I can do to get my 500 back? I hope you can give me any ideas on what to do. Thanks""

""When you are geting health insurance, what does coin insurance mean?""

i am comparing insurances right now and some have coininsurance, some say 20% after deductible and some say 20% coininsurance after deductible.. what is coininsurance?""

Heath insurance help ?

what is affordable heath care plans ? and do u have 2 pay monthly 4 heath insurance

Cost of health insurance?

How much does health insurance cost per year if I pay for myself instead of my employer paying for it? I would pay through my employer's group insurance and mine is a family of three (including a child of 4 yrs). I am a contractor and I will be moving through the country quite a bit in which case would the insurance rates be from the state from where the employer is from or should it be as per the state where i am residing? How does insurance cost vary from state to state?

Why is car insurance for girls cheaper than for guys??

funny.. Each time i notice a careless/reckless driver, its a female.""

Which New York insurance is high?

I've heard New York insurance is high, but which one? Car, house, etc.? And why is it so high?""

Do all car insurances check your credit?

Is there anyway you can still get car insurance if you have bad or no credit? Which insurance agencies are more leanient?

Auto Insurance!?

i Have MetLife auto insurance at the present time, and i have a payment every other month. They have been sending me monthly bills the same price as my Bi-monthy bill. I have been given the run-around in other ways from them as well. Any suggestions for Auto insurance providers, for I am thinking of switching!""

Insurance for a new driver?

I'm hoping to get my driver's license this summer (am over eighteen) but do not plan to drive in the near future since the college I'll be attending next year does not allow freshmen to have cars. Does the insurance requirement for taking the behind-the-wheel exam in CA require proof of an insurance contract under my name, or is it just the vehicle I test with have to be insured? Could I borrow my parents' car for the exam and not get insurance for myself?""

Car Insurance - Older owner still has insurance on it?

I had my car signed over to me on the 2nd November and received my V5 back on the 10th. I got the car insured ASAP as required on a daily basis. I have recently found out that the previous owner STILL has insurance on it and has arranged for it to be fully cancelled on the 1st December to collect their no claims bonus. Obviously I cannot make them cancel the policy but does this invalidate my insurance until the 1st Dec/make it illegal to use my car until this date?

How Much Is Too Much For Car Insurance?

Hi, I am an 18 year old male living in Huddersfield and in full time education at college. I passed my driving test in September 2010 and now its December, i decided to get an update of quotes on different cars such as 1.0 corsa's, 1.2 clio's and so on, but i was curious so i decided to check on my dad's 2005 1.4 diesel toyota. It came as a bit of a shock to me but i got a quote for 2600, on my own name some of the quotes i was getting were far to high, the lowest was 6000. So my question to you is, do you think 2600 is a reasonable quote to be a second driver on my dads car? I turned 18 a month ago and have had my driving lesson for just over 3 months, my dad has had his for over 30 years and has around 30 years no claims bonus, so do you think it is a reasonable quote ?""

How to get quotes from insurance providers for a new comparison website?

I am creating an insurance comparison website such as moneysupermarket.com, confused.com, or insurance.com.. I want to access the quotes of all the insurance providers and provde these quotes to my customers. How can I get the APIs used by the insurance comparison websites? I am interested in any of the Life Insurance, Medical Insurance and Dental Insurance.""

Question about Car insurance (UK)?

Does anyone know if / how mileage for year is calculated for insurance purposes. What do the insurers check for these details? I have a private policy for my second car (my non work runaround) and it is limited to 3000miles per year. Perfect for trips to the dump, bulky or messy trips to the shops etc. I lend the car to my partners foreign parents who use their own insurance policy (cheaper for them) to drive it during their vacations to the UK 2-3 times a year adding quite a bit of mileage to the vehicle. If we both have insurance to be driving my car, am I at fault for claiming low mileage allowance for cheaper insurance for the car?""

What is the best low cost car insurance in california?

we have a 2004 honda odessey and a 96 acura, and our 17 yr old will also drive""

I was speeding....what happens to my insurance rates?

https://www.linkedin.com/pulse/why-my-car-insurance-so-high-nelson-flores"

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