Aon was created in 1982, when the Ryan Insurance Group ( founded by Pat Ryan in the 1960s ) merged with the Combined Insurance Company of America ( founded by W. Clement Stone in 1919 ).

It was consolidated with other purchases as the Combined Insurance Co. of America in 1947.

Combined with the advent and eventual success of the ubiquitous personal computer, the term CPU is now applied almost exclusively to microprocessors.

Combined with lacking economic opportunities in the rural areas of former Krajina, the return process is highly troubled.

Combined modality chemotherapy is the use of drugs with other cancer treatments, such as radiation therapy or surgery.

Says Hahnel, " Combined with a more democratic political system, and redone to closer approximate a best case version, centrally planned economies no doubt would have performed better.

Combined with wide transparency, this results in the clear, colorless appearance of most natural diamonds.

Mountbatten was a favourite of Winston Churchill, ( although after 1948 Churchill never spoke to him again since he was famously annoyed with Mountbatten's later role in the independence of India and Pakistan ), and on 27 October 1941 Mountbatten replaced Roger Keyes as Chief of Combined Operations and received promotion to commodore.

Combined with Decree No. 91-337, it regulates disclosure, although the decree also applies to any person who provides to another person a corporate name, trademark or trade name or other business arrangements.

Efficiencies can be as high as 65 % when the fuel cell is paired with a turbine, and 85 % if heat is captured and used in a Combined Heat and Power ( CHP ) system.

The US Marines in Vietnam also saw some success with this method, under its CAP ( Combined Action Program ) where Marines were teamed as both trainers and " stiffeners " of local elements on the ground.

: Combined with Shaka's " buffalo horns " attack formation for surrounding and annihilating enemy forces, the Zulu combination of iklwa and shield -- similar to the Roman legionaries ' use of gladius and scutum -- was devastating.

Combined with the possibility to store the players ' progress, the floppy disk format enabled the developers to create a longer game with a more extensive game world.

Combined with calculus, linear algebra facilitates the solution of linear systems of differential equations.

Combined with stellar hitting of Ryan Braun, Aramis Ramirez, Corey Hart, and Jonathan Lucroy, the Brewers, from August 16 to September 23, won 26 of 35 games, and as of September 24, only 2 1 / 2 games out of the second Wild Card spot, with a 79-73 record.

Combined with the reverberant effects of underground mines, a miner without proper hearing protection is at a high risk for hearing loss.

Combined with a series of natural disasters, this led to the North Korean famine, which lasted from 1994 to 1998 and killed an estimated 800, 000 to 3, 500, 000 people.

Combined with thin or damaged soils this causes low fertility.

Combined with the wider audience made possible by recording, this led to a renewed focus on particular conductors and on a high standard of orchestral execution.

Combined with poor weather, this meant that 56 of the boats sank before reaching the designated scuttling areas and those which did were generally sunk by gunfire rather than explosive charges.

Combined with the attention he received from his contract, Smith continued to be a national figure.

Combined with the decrease in slick magazine fiction markets, writers attempting to support themselves by creating fiction switched to novels and book-length anthologies of shorter pieces.

Combined with file management software, such as Flash Translation Layer ( FTL ) or M-Systems TrueFFS Flash File System, the Linear Flash cards provide removable disk emulation.

Combined Visa cards exist since 1973 under the name Carte Bleue Internationale, changing to Carte Bleue Visa in 1976 ).

Combined with Hayes, she works to help Jack locate the passenger on a private plane in possession of the audio tape implicating Logan in Palmer's death.

Combined with a drought, and hostile relations with the Native Americans, the loss of the supplies which had been aboard the Sea Venture had resulted in the Starving Time in late 1609 to May 1610, during which over 80 % of the colonists perished.

Combined with financially pressured school boards beginning to call for the abolition of grade 13 as a means of financial restraint, this resulted in the government reevaluating its secondary education system.

Combined with the influence of his prior experience in animation, this focus resulted in a personal style influenced by both modern surrealism and realism.

Combined with migration of young unmarried women to the cities, lack of knowledge of contraception has resulted in increasing numbers of abortions by young women.

Much cooperation continued between the British and American militaries after the war including the Combined Chiefs of Staff structure, and it was used again during the Berlin Blockade of 1948 even as negotiations began that resulted in the North Atlantic Treaty Organization.

The 2005 – 06 season saw an upturn in fortunes for the club with a runners-up finish in the Combined Counties League Division One, which resulted in a promotion and with it a switch to the Hellenic League Premier Division, a league deemed better suited to AFC Wallingford's location in Oxfordshire.

Combined with the transformation of many pastures into agricultural land, this has resulted in a decrease of the cockchafer to near-extinction in some areas in Europe in the 1970s.

Combined with the vaguely horseshoe-shape of the stadium, this resulted in many of the seats down the right field line and in the seats in right-centre being extremely far from the infield ; they actually faced each other rather than the action.

Combined with the car's low slung unibody design, this resulted in handling which was remarkable for the era.

Combined, the attacks resulted in 21 deaths and thousands of hospitalizations or outpatient treatment.

Combined, these bores resulted in the removal of 500, 000 m³ of rock.

This would have resulted in the locomotive riding on three cast steel Combined Frame Stretcher & Spring Brackets carrying the 10 front-most spring brackets and lengthened spring brackets behind the rear driven axle.

This deal effectively resulted in Viacom buying out its partners ' stakes in Combined Broadcasting.

Combined with the weakened state the Goa ' uld are left in after their war with the Replicators, this resulted in the fall of the System Lords and the collapse of the Goa ' uld Empire.

* IBM Mwave – Combined modem and sound digital signal processor ( DSP ) card allowing soft upgrades within its hardware limitations.

Combined with the natural spread in thresholds within a population, it may have the effect that a very low frequency sound which is inaudible to some people may be loud to others.

Combined with contemporary improvements in amplification and recording, his playing technique and his use of a vintage Fender Stratocaster guitar allowed Rudd to develop a highly characteristic sound.