Puri Crawford PulseGlobal Solutions delivered locally… January 2016

Dear Readers,

By the time this issue reaches you, we would have entered the New Year 2016. I want to take this opportunity to tender my warm wishes to all of you and your families for a happy, prosperous and joyful new year. I also wish to applaud the efforts & support of my team members for making year 2015 as one of the most successful year and I am confident with their support 2016 will also be a rewarding year.

In the New Year we all are geared up to focus on new opportunities and tasks in hand. Past few months have been really challenging. The unprecedented and devastating floods in Chennai found everyone off-guard. The loss caused by this catastrophe was enormous. For us as well, it was perhaps the first catastrophe wherein our own staff members and their families suffered. I appreciate the courage and commitment shown by my team in putting their personal losses behind and tirelessly managing the claims of several others affected by the floods.

We are in the process of developing our business plan for next 5 years and 2016 will be the take-off point for it. Inducting talent in our business and implementing training and development programmes will be our prime focus. We are working closely with our JV Partners, Crawford to bring some of the global practices/expertise to local market. I will be sharing more on this in the coming issues.

Please continue to share your feedback on the contents of our newsletter. Your views are important to us and the same help us in improving our quality and standard.

Enjoy reading this edition………

LOSSES IN TRANSMISSION & DISTRIBUTION LINEBy: Mr. Ramesh Mahto, ExecutiveTransmission of electrical energy: - Electric power transmission is the bulk transfer of electrical energy, from generating power plants to electrical substations located near demand centers. Transmission lines, when interconnected with each other become transmission networks. The combined transmission and distribution network is known as the “Power Grid”.Losses: - Transmitting electricity at high voltage reduces the fraction of energy lost to resistance, which varies depending on the specific conductors, the current flowing and the length of the transmission line. For example, a 100 mile 765 kV line carrying 1000 MW of power can have losses of 1.1% to 0.5%. A 345 kV line carrying the same load across the same distance has losses of 4.2%. For a given amount of power, a higher voltage reduces the current and thus the resistive losses in the conductor. For example, raising the voltage by a factor of 10 reduces the current by a corresponding factor of 10 and therefore the I2 R losses by a factor of 100, provided the same sized conductors are used in both cases. Even if the conductor size (cross-sectional area) is reduced 10-fold to match the lower current, the I2 R losses are still reduced 10-fold.The losses in the transmission and distribution line may be due to technical or non-technical reasons. Technical Losses: Lengthy distribution lines, bad workmanship, unequal load distribution, over loading of lines etc.Non-technical: These losses are related to defective meters causing partial discharge, power theft etc.

Table showing the past 10 years (1990 to 2000) records of the losses of the various state-grid due to above reasons

Andhra Pradesh Bihar Gujarat Haryana J & K Karnataka Kerala Maharashtra Orissa Punjab Rajasthan Tamil

NaduUttar

PradeshWest

Bengal

25% 26% 20.6% 29.2% 47.4% 25% 19.7% 16.7% 35.3% 18.6% 25.6% 17.1% 24.3% 20.7%

Lawyer: Doctor, before you performed the autopsy, did you check for a pulse?Doctor: NoLawyer: Did you check for blood pressure? Did you check for breathing?Doctor: NoLawyer: So is it possible the patient was alive when you began the autopsy?Doctor: NoLawyer: How can you be so sure?Doctor: Because his brain was sitting on my desk in a jarLawyer: But could the patient have been alive nevertheless?Doctor: It is possible he could have been alive and

practicing law somewhere.

CEO SPEAKSBy: Mr. Ashutosh Shukla, CEO

FUNNY BONE

Puri Crawford Insurance Surveyors & Loss Assessors India Pvt. Ltd. DELHI | MUMBAI | CHENNAI | CHANDIGARH | PUNE | HYDERABAD | AHMEDABAD

Global Solutions delivered locally… January 2016

CRAWFORD 7TH GLOBAL DAY OF SERVICE – ABOUT 135 COMMUNITY SERVICE PROJECTS WORLDWIDE By: Ms. Donna L. Fields, Communications Manager, Corporate Communications, Crawford & CompanySaturday, October 10, marked the 7th annual Crawford & Company Global Day of Service, and it was the biggest and best yet! The cumulative Day of Service included 198 service projects conducted by almost 3,000 Crawford employees, family, friends, and partners around the world. Global service projects were carried out by volunteers in 25 countries helping a wide range of charities including orphanages, homeless shelters, retirement homes, animal rescue facilities, blood drives, food banks, nature parks, and fundraising for disease research. Some of the activities undertaken include the following: -In New Delhi, India, Puri Crawford volunteers donated their time and contributions to the Delhi Council for Child Welfare, an orphanage, including sponsoring lunch, conducting storytelling and games with the children.

MANAGEMENT LESSON – HOW TO DEAL WITH CHALLENGES? A young woman went to her mother and told her about her life and how things were so hard for her. She did not know how she was going to make it and wanted to give up. She was tired of fighting and struggling. It seemed as one problem was solved, a new one arose. Her mother took her to the kitchen. She filled three pots with water and put them on the stove. Soon the pots came to boil. In the first pot she placed carrots, in the second she placed eggs and in the last she placed ground coffee beans. She let them sit and boil & twenty minutes later she turned off the burners.

She removed the carrots and placed them in a bowl. She pulled the eggs out and placed them in a bowl. Then she ladled the coffee out and placed it in a bowl. Turning to her daughter, she asked, “Tell me, what you see?”

“Carrots, eggs, and coffee,” she replied. Her mother asked her to feel the carrots.

She did and noted that they were soft. The mother then asked the daughter to take an egg and break it. After pulling off the shell, she observed the hard-boiled egg. Finally, the mother asked the daughter to sip the coffee. The daughter smiled as she smelled the aroma and tasted its rich flavor. The daughter then asked, “What does it mean?”

Her mother explained that each of these objects had faced the same adversity, boiling water. Each reacted differently. The carrot went in strong, hard, and unrelenting. However, after being subjected to the boiling water, it softened and became weak.

The egg had been fragile. Its thin outer shell had protected its liquid interior, but after sitting through the boiling water, its inside became hardened.

The ground coffee beans were unique, however, after they were in the boiling water, they had changed the water, making it fragrant & giving it flavor.

“Which are you?” she asked her daughter. “When adversity knocks on your door, how do you respond? Are you a carrot, an egg or a coffee bean?” What about you?

When facing a challenge in life are you weakened and feel defeated by the experience? Or do you become hardened and bitter because of the event? Or do you see it as an opportunity to influence those around you, to make a positive difference, to leave the situation better than when you started?

It is possible to be the latter, so now’s the time to start working towards it.

Moral : Life is all about leaning, adopting and converting.

Anti-floodingDevice A safety control that causes the flow of (liquid) fuel to be shut off when a rise in fuel level occurs or when excess fuel is received and that operates before the hazardous discharge of fuel can occur.

Antifreeze Sprinkler System A wet pipe system using automatic sprinklers that contains a liquid solution to prevent freezing of the system, intended to discharge the solution upon sprinkler operation, followed immediately by water from a water supply.

Anti-Siphon Trap Vent DeviceA device that automatically opens to admit air to a fixture drain above the connection of the trap arm so as to prevent siphonage and closes tightly when the pressure within the drainage system is equal to or greater than atmospheric pressure so as to prevent the escape of gases from the drainage system into the recreational vehicle.

Antistatic For the purpose of this standard, having a surface resistivity less than 1.0 × 1011 ohms per square or having a charge decay rate from 5000 volts to 500 volts of less than 0.5 second when tested at 73°F (23°C) and 30 percent relative humidity.

DEFINITION AND TERMINOLOGY – NATIONAL FIRE PROTECTION ASSOCIATION, USA

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