Sales Tel: +63 945 7983492  |  Email Us    
SMDC Residences

Air Residences

Features and Amenities

Reflective Pool
Function Terrace
Seating Alcoves

Air Residences

Green 2 Residences

Features and Amenities:

Wifi ready study area
Swimming Pool
Gym and Function Room

Green 2 Residences

Bloom Residences

Features and Amenities:

Recreational Area
2 Lap Pools
Ground Floor Commercial Areas

Bloom Residences

Leaf Residences

Features and Amenities:

3 Swimming Pools
Gym and Fitness Center
Outdoor Basketball Court

Leaf Residences

Contact Us

Contact us today for a no obligation quotation:

+63 945 7983492
+63 908 8820391

Copyright © 2018 SMDC :: SM Residences, All Rights Reserved.

C2170-010 dumps with Real exam Questions and Practice Test -

Great Place to download 100% free C2170-010 braindumps, real exam questions and practice test with VCE exam simulator to ensure your 100% success in the C2170-010 -

Pass4sure C2170-010 dumps | C2170-010 real questions |

C2170-010 IBM Curam V6.0.4 Application Development

Study Guide Prepared by IBM Dumps Experts C2170-010 Dumps and Real Questions

100% Real Questions - Exam Pass Guarantee with High Marks - Just Memorize the Answers

C2170-010 exam Dumps Source : IBM Curam V6.0.4 Application Development

Test Code : C2170-010
Test Name : IBM Curam V6.0.4 Application Development
Vendor Name : IBM
: 77 Real Questions

It turned into extremely good to have real exam questions present day C2170-010 exam.
ive been using the for some time to all my tests. remaining week, I passed with a amazing score in theC2170-010 exam by way of the use of the observe resources. I had some doubts on subjects, but the material cleared all my doubts. i have without problems found the answer for all my doubts and issues. thank you for providing me the solid and dependable dump. its miles the quality product as I realize.

C2170-010 certification examination instruction got to be this smooth.
There had been many methods for me to attain to my goal vacation spot of excessive score within the C2170-010 but i used to be now not having the top class in that. So, I did the high-quality aspect to me with the aid of occurring on-line C2170-010 test help of the mistakenly and observed that this error became a sweet one to be remembered for a longer time. I had scored nicely in my C2170-010 examine software program and thats all due to the practice check which become to be had on line.

it's miles unbelieveable, however C2170-010 actual test questions are availabe right here.
Im pronouncing from my revel in that in case you treatment the query papers one after the alternative then you may without a doubt crack the exam. has very effective study dump. Such a totally useful and helpful internet web page. Thanks crew killexams.

am i capable of locate dumps Q & A brand new C2170-010 examination?
This braindump from helped me get my C2170-010 certification. Their material are surely useful, and the checking outengine is just notable, it completely simulates the C2170-010 exam. The exam itself turn out to be tricky, so Im glad I used Killexams. Their bundles cowl the whole lot you want, and also you wont get any unsightly surprises during your exam.

save your time and money, examine these C2170-010 and take the exam. has pinnacle products for university students due to the truth the ones are designed for the ones students who are inquisitive about the training of C2170-010 certification. It became exquisite selection because of the fact C2170-010 exam engine has fantastic test contents which can be smooth to understand in brief time frame. I am grateful to the amazing crewbecause this helped me in my profession improvement. It helped me to apprehend a way to solution all essential questions to get maximum markss. It changed into brilliant choice that made me fan of killexams. i have decided to come back one moretime.

Do the quickest manner to skip C2170-010 exam? i have got it.
With fine two weeks to move for my C2170-010 exam, I felt so helpless considering my bad practise. But, needed to pass the check badly as I wanted to alternate my undertaking. In the end, i discovered the question and answer with the useful resource of which eliminated my concerns. The content material of the manual modified into wealthy and particular. The clean and short answers helped make out the subjects without difficulty. Excellent guide, killexams. Additionally took help from C2170-010 professional Cert guide and it helped.

What a first-rate supply cutting-edge C2170-010 questions that art work in actual test.
Just cleared C2170-010 exam with top score and have to thank for making it possible. I used C2170-010 exam simulator as my primary information source and got a solid passing score on the C2170-010 exam. Very reliable, Im happy I took a leap of faith purchasing this and trusted killexams. Everything is very professional and reliable. Two thumbs up from me.

try those actual take a look at questions for C2170-010 examination.
The team inside the returned of need to critically pat their lower back for a pastime well finished! I dont have any doubts at the same time as pronouncing that with, there may be no risk which you dont get to be a C2170-010. In reality recommending it to the others and all of the extraordinary for the destiny you guys! What a extremely good observe time has it been with the aid material for C2170-010 available on the net site. You were like a chum, a true pal certainly.

got no hassle! three days training brand new C2170-010 actual examination questions is required.
Im ranked very immoderate among my elegance associates at the list of excellent college students however it handiest happened as soon as I registered in this for some exam assist. It modified into the excessiveranking reading program on this that helped me in joining the excessive ranks along side special exceptional university college students of my magnificence. The sources in this are commendable due to the fact they arespecific and quite useful for practise through C2170-010 pdf, C2170-010 dumps and C2170-010 books. I am satisfied to put in writing those phrases of appreciation because this deserves it. Thanks.

Dont forget to try those real examination questions for C2170-010 exam.
The team behind should seriously pat their back for a job well done! I have no doubts while saying that with, there is no chance that you dont get to be a C2170-010. Definitely recommending it to the others and all the best for the future you guys! What a great study time has it been with the resource material for C2170-010 available on the website. You were like a friend, a true friend indeed.

IBM IBM Curam V6.0.4 Application

IBM utility Blamed for troubled State health Exchanges | Real Questions and Pass4sure dumps

application from IBM has been singled out for technical problems hurting both the Maryland and Minnesota online fitness exchanges. officers from both states have blamed IBM’s Cúram, used to assess consumers' eligibility for coverage, for a couple of performance concerns, including losing purchaser applications.

With the March 31 deadline for open enrollment duration quick coming near, state officers have upped their rhetoric. remaining week, the Maryland health Connection cited Cúram and its "critical utility defects." in the past, the state blamed a squabble between two primary contractors as the supply for the change’s numerous bugs.

closing month, in a December letter to IBM CEO Virginia Rometty, Minnesota Gov. Mark Dayton exact 21 issues MNsure encountered with Cúram, together with functions stuck in pending reputation, as well as inadequate documentation and replica purposes.

The persevered technical challenges experienced through Maryland and Minnesota underscore now not simplest the skills weak point of the utility chosen to do the job, but the problem of building an internet fitness alternate, even at a state stage, in a comparatively brief period of time. Like different state exchanges, MNsure and Maryland health Connection have to weave collectively private assurance and federal government programs to investigate consumer eligibility for Medicaid and supply appropriate insurance classes. Add to this the challenge of working with distinctive contractors and the time misplaced resolving contractor conflicts versus fixing trade bugs--as become the case with Maryland and several other state exchanges—and present difficulties are more understandable, albeit of little comfort to patrons.

Responding to Maryland’s claims, IBM spokesman Clint Roswell mentioned that the change is improving and that IBM continues to be working with the contractors on the web page. “according to their newest information on the exchange's performance, they are seeing greater than ninety five% of patrons getting into the site now having a good adventure," Mr. Roswell said in an e-mail to CIO Journal. IBM begun providing the software when it got Dublin, eire-based Cúram application Ltd. in 2011. Cúram ability "care and insurance policy" in Irish.

however an reputable for Maryland health Connection instructed CIO Journal Tuesday that while the change's consumer experience has more desirable, "giant concerns with the Cúram software and other device accessories nonetheless need to be fastened before the web page can feature because it should."

Some Maryland buyers' applications for insurance have been misplaced or suspended in Cúram, an essential component of the exchange it truly is designed to investigate buyers’ eligibility for Medicaid and premium tax credits for private coverage, spoke of Joshua M. Sharfstein, Maryland's secretary of health and intellectual hygiene, and chairman of the exchange's board, testifying in entrance of the state Senate Finance Committee last Tuesday. He additionally mentioned some 834 kinds -- application information the exchanges send to insurers to complete the utility technique -- are generated with mistakes, requiring alternate workforce to manually proper them. He additionally spoke of that adjustments to Cúram and different functions used for the web page would trigger anything that had been functioning to stop working. “There are serious challenges that nonetheless continue to be," Mr. Sharfstein informed the committee. "I don’t want to sugar­coat that.”

Cúram is rarely the reason behind all the trade's illnesses. In his testimony, Mr. Sharfstein stated the state needed to mediate economic disputes between simple contractor Noridian Healthcare options LLC and subcontractor EngagePoint LLC, which slowed technical progress in August and September. "right through this time, there was insufficient progress fixing the defects recognized all the way through consumer checking out," Mr. Sharfstein mentioned. When the website went reside on Oct. 1, Noridian servers used to aid the change crashed, preventing consumers from shopping for and enrolling in plans.

Noridian booted EngagePoint from the task on Oct. 25. Neither Noridian nor EngagePoint spoke back to CIO Journal's requests for remark.

Rick Howard, a Gartner Inc. analyst who has been carefully following the health exchanges, observed complaints about Cúram imply the software wasn't thoroughly built-in and established to support the coverage transactions. "one of the crucial IT solutions that had been deployed simply weren't in a position for best time when it came to the complexity demanded with the aid of medical health insurance marketplaces," Mr. Howard referred to.

but he also pointed out Minnesota and Maryland's complications go beyond issues with particular person application items and contractor litigation. He talked about the exchanges tackled IT projects that had been too complicated in an "aggressively" brief implementation window -- many of the states took a few years to define their undertaking necessities -- which intended untested systems would launch with severe defects. He pointed out he predicts and many state exchanges would require endured intensive remediation, stabilization and enhancement for the subsequent 18 months -- or longer.

Lynne Dunbrack, an IDC analyst who covers fitness care IT, stated that 50% of all massive IT projects fail. For the exchanges, the complexity of the work, together with the integration of records between state exchanges and insurers, mixed with tight timelines, amounted to a challenge that has proven tough for some states to beat. "it's definitely now not remarkable that we’ve viewed the considerations on the dimensions that they now have had throughout all of the different supplier options," Ms. Dunbrack referred to.

La. social features company builds on Curam utility | Real Questions and Pass4sure dumps

La. social features company builds on Curam software
  • with the aid of John Moore
  • Oct 06, 2006
  • Curam software is presenting the application spine for the these days launched first section of a social functions device challenge in Louisiana.

    Increment 1 of the state’s A complete commercial enterprise Social capabilities device (ACESS) aims to provide a typical intake gadget spanning most social services courses, based on a spokesman for Curam. The initial section also covers case management for Louisiana’s child coverage capabilities.

    Curam is imparting its industrial-off-the-shelf Social enterprise administration solutions, contracting directly with the state. The state selected IBM in 2004 to put into effect the ACESS, including the Curam software component. final month Curam and IBM increased a strategic alliance to deliver human functions, social security, and staff capabilities advice expertise options to govt organizations. The agencies have been partnering when you consider that 1999.

    in the ACESS equipment, Curam’s software runs on IBM’s z/OS mainframe operating equipment. additionally working on the mainframe platform are IBM’s WebSphere software Server and DB2 database.

    ACESS will provide Louisiana’s social capabilities agency to control assorted courses including newborn Welfare, baby Care, concepts to Empower americans, family unit Independence temporary assistance program, Kinship Care Subsidy software and meals Stamps, amongst others.

    Future increments of ACESS will let caseworkers control all of an individual’s social and human services needs in a single vicinity, the Curam spokesman observed.

    Curam also gives its Social commercial enterprise administration utility to such state and native government valued clientele as Utah and ny city.

    IBM: Parking spot tracker Streetline is the realm’s smartest startup | Real Questions and Pass4sure dumps

    IBM’s smartcamp international entrepreneur competitors culminated in Dublin these days with 9 startups from throughout the world competing for the title of the “world’s smartest startup”. From 660 long-established candidates the last winner became Streetline, which helps cities song parking violations and drivers to locate parking spots.

    extremely-low power sensors are installed in parking spots, which could notice if the space is occupied. Sensors can even be put in within the parking meter to determine no matter if the meter had been fed and for this reason detect violations.

    in response to Streetline, 30 % of traffic in foremost cities carries americans driving around looking for parking, making it a tremendous congestion and environmental difficulty. Parking fines are additionally a big supply of earnings for cities and at the moment many violations do not result in fines. Streetline systems are already deployed in cities like San Francisco and los angeles. new york and Washington are about to be brought. Streetline expenses the city per house, per thirty days in a carrier mannequin. The company additionally simply did its first take care of a non-public parking garage.

    apart from detecting parking violations, Streetline will unlock a smartphone application in early December to direct users to the closest parking pots. once it really is in location, a city might even birth doing dynamic pricing of parking spots  in an effort to direct drivers to particular parking areas. CEO Zia Yusuf told me that there are three primary tips on how to get their product to patrons rather than simply cities: the smartphone software, digital signals which direct people to parking (“3 spots in case you flip left”) and eventually partnerships with vehicle navigation programs.

    Ideally, Yusuf would want to see cities introduce built-in parking techniques which include monitoring like that provided by way of Streetline, mobile charge for parking, alerts when parking time is running out and cellular ticketing. He means that a metropolis might even ship a ticket to your cell phone with an offer that if you pay instantly, you get a discount on the quality. Streetline additionally has ambitions to prolong its functions into site visitors monitoring and past.

    a couple of different startups acquired particular mentions from the judges. Treemetrics is a native Irish company which makes use of 3D laser scanning to measure the height, straightness, taper and quantity of bushes in a woodland. This makes it possible for foresters to reduce size expenses and schedule logging to maximise yield.

    Sproxil tackles the big difficulty of drug counterfeiting in constructing countries the usage of an easy scratch-off code attached to the packaging which works in an identical approach to pre-paid cellular billing. The consumer exposes the code and sends it with the aid of text message to a verification quantity which tests its validity.

    For IBM, the smartcamp competitors isn’t just a advertising undertaking. 35 p.c of IBM’s $one hundred+ billion in earnings is pushed with the aid of companions together with startups. Irish social protection application enterprise Cúram software, as an instance, has on my own pushed 1 billion eu in income for IBM over the route of their partnership.

    The typical theme among startups in the finals became IBM’s smarter world mantra of instrumentation, interconnection and intelligence; actually lots of sensors and evaluation of the information they produce. lots of the competing startups had deep area potential in areas like healthcare, forestry, water medicine and seismic dimension in addition to technical advantage. This suits neatly into IBM’s center of attention on vertical markets.

    The smartcamp competitors was the brainchild of Martin Kelly, the european partner of IBM’s task Capital neighborhood and the primary, smaller-scale competitors became staged in eire closing year. IBM’s venture Capital group operates an extraordinary model in that it doesn't control its personal venture fund (like Intel and Google) but works with VCs to establish startups of interest.

    The startups get access to IBM’s market intelligence, shoppers and local wisdom as smartly as the credibility a younger enterprise now and again must contend with giant business clients. IBM receives an early look at pleasing groups which could develop into companions or at last acquisitions without in reality investing its personal money. IBM has accomplished 18 acquisitions in the ultimate year by myself. The enterprise has set apart $20 billion for acquisitions up to 2015.

    entrance picture with the aid of John Vachon, via Touching Harms the artwork

    Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. ensure to serve its customers best to its assets concerning exam dumps update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with review, reputation, sham report objection, trust, validity, report and scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, sham report, scam, protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing brain dumps, killexams PDF questions, killexams hone questions, killexams exam simulator. Visit, their specimen questions and test brain dumps, their exam simulator and you will realize that is the best brain dumps site.

    Back to Braindumps Menu

    000-001 test questions | PEGACLSA_6.2V2 exam prep | HPE6-A47 braindumps | 640-875 examcollection | BH0-005 real questions | M2020-626 braindumps | HP0-Y18 study guide | HC-621 Practice test | CBM study guide | 132-S-916.2 practice exam | 000-218 exam prep | NREMT-NRP VCE | 00M-513 practice test | 1Z0-985 test prep | 9L0-608 free pdf download | OG0-092 Practice Test | 000-863 braindumps | NCE braindumps | 350-025 pdf download | GB0-180 real questions |

    Ensure your success with this C2170-010 question bank
    In the event that you are intrigued by proficiently Passing the IBM C2170-010 exam to begin gaining, has principle feature developed IBM Curam V6.0.4 Application Development exam questions with a reason to ensure you pass this C2170-010 exam! offers you the greatest precise, contemporary and popular cutting-edge C2170-010 exam questions and to be had with a 100% unconditional promise.

    If you are examining out Pass4sure IBM C2170-010 Dumps containing real exam Questions and Answers for the IBM Curam V6.0.4 Application Development test preparation, they have an approach to provide most updated and quality database of C2170-010 Dumps that's they have got aggregative an information of C2170-010 Dumps questions from real tests with a selected finish goal to relinquish you an opportunity to induce prepared and pass C2170-010 exam on the first attempt. Discount Coupons and Promo Codes are as under; WC2017 : 60% Discount Coupon for all exams on website PROF17 : 10% Discount Coupon for Orders larger than $69 DEAL17 : 15% Discount Coupon for Orders larger than $99 SEPSPECIAL : 10% Special Discount Coupon for All Orders

    On the off chance that you are scanning for C2170-010 Practice Test containing Real Test Questions, you're at precise locale. have accumulated database of inquiries from Actual Exams keeping up at the top of the priority list the stop objective to empower you to devise and pass your exam on the essential endeavor. All instructing materials at the site are Up To Date and verified by method for their masters. give latest and updated Pass4sure Practice Test with Actual Exam Questions and Answers for new syllabus of IBM C2170-010 Exam. Practice their Real Questions and Answers to Improve your insight and pass your exam with High Marks. They ensure your prosperity inside the Test Center, securing each one of the subjects of exam and enhance your Knowledge of the C2170-010 exam. Go with no uncertainty with their real issues.

    Our C2170-010 Exam PDF consolidates Complete Pool of Questions and Answers and Dumps verified and certified together with references and clarifications (inmaterial). Their target to gather the Questions and Answers isn't basically to pass the exam at first endeavor yet Really Improve Your Knowledge roughly the C2170-010 exam references.

    C2170-010 exam Questions and Answers are Printable in High Quality Study Guide that you can download for your Computer or some extraordinary machine and begin putting in your C2170-010 exam. Print Complete C2170-010 Study Guide, pass on with you while you are at Vacations or Traveling and Enjoy your Exam Prep. You can get to updated C2170-010 Exam out of your online record at whatever point. Huge Discount Coupons and Promo Codes are as under;
    WC2017: 60% Discount Coupon for all exams on website
    PROF17: 10% Discount Coupon for Orders greater than $69
    DEAL17: 15% Discount Coupon for Orders greater than $99
    DECSPECIAL: 10% Special Discount Coupon for All Orders

    Download your IBM Curam V6.0.4 Application Development Study Guide specifically after purchasing and Start Preparing Your Exam Prep Right Now!

    C2170-010 | C2170-010 | C2170-010 | C2170-010 | C2170-010 | C2170-010

    Killexams 920-180 exam prep | Killexams 000-152 free pdf | Killexams 200-309 study guide | Killexams 200-150 examcollection | Killexams HP3-045 practice exam | Killexams HP2-N35 real questions | Killexams HP2-H32 real questions | Killexams C9020-667 brain dumps | Killexams VCS-316 dumps | Killexams 000-M45 dump | Killexams HP0-J39 exam prep | Killexams C2070-587 practice test | Killexams VCI510 sample test | Killexams 000-N38 test prep | Killexams 000-R06 free pdf | Killexams PEGACSA71V1 test prep | Killexams IFSEA-CFM questions answers | Killexams 000-M79 braindumps | Killexams M2110-670 VCE | Killexams HP3-X04 mock exam | huge List of Exam Braindumps

    View Complete list of Brain dumps

    Killexams HPE0-J74 practice questions | Killexams 000-188 dumps questions | Killexams CFR-210 free pdf | Killexams VCPD610 questions and answers | Killexams 922-020 test prep | Killexams 6102 VCE | Killexams 190-950 real questions | Killexams 000-787 exam prep | Killexams 000-386 study guide | Killexams AHIMA-CCS test prep | Killexams ST0-099 sample test | Killexams 000-657 exam questions | Killexams HP0-D15 practice exam | Killexams HP0-D21 free pdf | Killexams 000-M87 cheat sheets | Killexams HP2-N41 real questions | Killexams 00M-639 practice test | Killexams 922-099 mock exam | Killexams PCNSE practice test | Killexams 1Z0-588 brain dumps |

    IBM Curam V6.0.4 Application Development

    Pass 4 sure C2170-010 dumps | C2170-010 real questions |

    Finger-pointing continues on Maryland's health exchange | real questions and Pass4sure dumps

    Weeks after officials at the state's health care exchange began blaming IBM software for the worst problems, including lost applications, IBM began pushing back, saying the state shares some of the blame.

    It's the latest salvo in the blame game that has been going on since the exchange launched, and crashed, on Oct. 1. In this case, IBM officials released a statement Wednesday that said the exchange also bears some responsibility for the website, which is still so troubled that officials are considering dumping it.

    IBM was brought in by Noridian Healthcare Solutions, the company that had been in charge of setting up and managing the exchange website until the exchange terminated it last month. IBM's Curam software was supposed to determine eligibility of consumers for subsidies, but officials have said it's responsible for thousands of lost and frozen applications and incorrect subsidy determinations.

    "While the state notified Noridian of its concerns over the management of the project and integration of the elements of the system, it gave that integrator limited direction and exerted a lack of discipline over the development process, including testing," said Mitch Derman, an IBM spokesman.

    "The result was a system that didn't work as required, and Noridian has since been fired," the statement continued. "Since the launch, IBM has worked closely with the state to resolve problems and invested significant resources at no charge to the state."

    Derman also said IBM officials recently met with Gov. Martin O'Malley to "suggest ideas to further improve and finish the system."

    But it's not clear the state plans to keep the site going much longer after open enrollment ends March 31. On Wednesday, Dr. Joshua M. Sharfstein, chairman of the exchange board and state health secretary, repeated earlier comments that exchange officials are reviewing options that include adopting another state's functioning technology, such as Connecticut's, or moving to the federal exchange website or fixing Maryland's own site. He said an announcement would come in weeks.

    In the meantime, Sharstein said the IBM software still contains many defects and the company remained on board because its workers were needed to help fix its own product, and, as a subcontractor, is still being paid for some of its work.

    IBM now answers to Columbia-based Optum/QSSI, which was hired in December to help fix the site and took over management when the exchange cut ties with Noridian.

    "We have such serious challenges that there obviously is plenty of blame to go around, but we've been very disappointed by the core software product and that product continues to be defective," Sharfstein said. IBM "does not appear to be denying that."

    Noridian, which did not respond to a request for comment, has laid at least some blame on constant changes sought by the exchange.

    Infosys Public Services and District of Columbia partner to modernize eligibility and enrolment system | real questions and Pass4sure dumps

    PUNE: Infosys Public Services Inc., a US-based subsidiary of consulting, technology and services company Infosys, and the US District of Columbia Department of Human Services, have announced the achievement of a milestone in their joint project, the District of Columbia Access System (DCAS). This project aims to modernize the District’s complex eligibility and enrolment system for food assistance, cash assistance, and other social services benefit programmes. The District received permission from Food and Nutrition Services (FNS), an agency within the US Department of Agriculture (USDA), to move this new system into the pilot production phase. The pilot phase is the federally-mandated final test phase before the system is allowed to launch. Entering this phase requires the system to meet pre-set quality criteria and to be approved by the FNS oversight team in order to move forward. Application development was accomplished in six months and the testing phase, made up of over 9000 test cases, was completed in 8 weeks. This process took significantly less time than other states implementing similar systems, along with a substantial cost savings over the average cost in other states. DCAS replaces the District’s decades-old legacy system with a more scalable, agile, and citizen-centric solution. Built on the IBM Cúram social programme management solution, the new system will improve the management of important social services programmes for over 200,000 residents by collecting more detailed information about each person, automating case administration, determining integrated eligibility, issuing benefits and, in the future, it will provide an online self-service option for citizens. The system will eventually be extended to support other DC health and social programs, providing the District’s citizens and caseworkers with a way to check eligibility for various health and social programmes through a single application.

    Analysis: Health Exchange Mess Part I: Failures in leadership | real questions and Pass4sure dumps

    Editor’s introduction

    In a two-part series Thursday and Friday, retired auditor Charles Hayward (full bio below) delves into the problems that led to a disastrous launch of the Maryland Health Benefit Exchange in fall 2013. Among the chief failings of state leadership: not addressing serious red flags when there may have been enough time to fix the root causes; not appreciating the monumental tasks assigned to limited resources; and not selecting one IT expert to take leadership on the website’s development. He writes that by September 2013, project control was lost, a perfect storm had materialized, and officials crossed their fingers, hoping for a miracle at launch. As the smoke clears, taxpayers will underwrite hundreds of millions wasted.

    By Charlie Hayward

    Whenever ineffective planning, poor judgment and lousy communication intersect with really bad technology in a large-scale, high profile, IT development project, a “perfect storm” of catastrophic failure is the predictable result.

    Studies of IT software-development failures show the deadliest of all risks for large software projects is the “big bang” release—like the one the state of Maryland chose to implement in 2011 via its Health Benefits Exchange when it finalized plans to launch, all at once, a versatile, multi-purpose Health Information Exchange website.

    In the first of a two-part assessment, they will examine the roles and responsibilities of the principal parties, and take an objective look at what was happening inside the exchange. Next, a brief commentary on the administration’s overwhelming desire to enroll as many people as possible and the costs of doing so. Last, they will list some of the key winners and losers and consider the effect on the state’s reputation from the first year of Obamacare implementation.

    Distinctive Responsibilities—The State, the Exchange, and its Contractors

    To objectively understand failure when multiple parties are involved, it is vital to appreciate the distinctive roles and responsibilities of the three principal entities: the state, its newly created exchange, and the contractor, Noridian Healthcare Solutions.

    The administration of Gov. Martin O’Malley alleges contractors are to blame. That is correct, but those allegations are misleading by omission, and they suggest a lack of introspection regarding the root causes of the problems.

    Contractors’ deficient work is easy to visualize—they were project and programming experts who wrote the computer code and provided the “commercial off-the-shelf” (COTS) application from IBM/Curam—both of which failed in spectacular fashion. In contrast, the state’s overarching role and responsibilities were less visible (and more intangible) elements of success; much harder to grasp, yet vital to a successful launch.

    Sandwiched in between the state and its contractor, was the exchange. The exchange took direction from the state (via Department of Health and Mental Hygiene) and managed contractors it hired. The exchange was a small entity staffed at first (Fall/Winter 2011) with a handful or so of bright people trying to ramp up to about 50 employees in a hurry.

    Pearce highly qualified

    Its first hire was Rebecca Pearce, who was highly qualified to lead the exchange although she was not an IT expert. Her role was to breathe life into a new organization and, in doing so, she would be buffeted during the startup period (2012 -2013) by immense changes, as would any complex entity. The exchange was constantly in hiring mode. It was setting up internal operations departments, such as HR, IT, accounting, budgeting, marketing, customer outreach. It was setting up internal controls within those departments.

    It was singularly responsible for negotiating “Memorandums of Understanding” with six to eight different state entities who would become its business partners. It was establishing ground rules with three federal regulators, each of which was susceptible to releasing hundreds of new requirements at any time. It needed to set policy supporting Obamacare implementation.

    Exchange staff met regularly with officials in the state legislature to assist them with writing three major laws; one each in successive years. It needed to establish procurement and other administrative policy. In addition to its state business partners, it was working with a half dozen other business partners whose operations spanned the entire state in order to plan Obamacare implementation and establish networking and collaboration arrangements.

    For instance, the exchange was working with grassroots entities (mostly nonprofits) who would ultimately assist with program outreach to potential enrollees. It was working with the state’s pre-existing network of insurance brokers about their roles in selling products. It was involved with helping to implement which insurers would become qualified to sell products on the exchange.

    Judging from the evidence, the exchange and its small staff did a remarkable job, except with respect to the website platform.

     Meanwhile, the state’s big-bang vision posed a major risk of a big-bang-boom outcome, assuming the best contract management practices and system-development principles had been followed. The state wanted to lead all others in Obamacare implementation, so it conceived of a website with all the bells and whistles; its leaders were seemingly oblivious regarding the latent risks attendant to its vision. Ultimately, the exchange never implemented the best contract management practices and system-development principles that would have given the project any chance of success.

     As the facts surrounding the website platform’s failure emerge, they will see a domino effect of separate (and successive) failures: State of Maryland ? Exchange ? Noridian. Gov. Martin O’Malley administration’s failures ultimately led to organizational and management breakdowns within the exchange. Ultimately, the state’s and exchange’s failures did not cause contractor failures, but they created the atmosphere which precluded the exchange from identifying the gravity of Noridian’s problems in a timely manner, and taking immediate and decisive action to ameliorate the root causes of the early warnings. Hence, the “perfect storm.”

     State of Maryland

    The O’Malley/Brown administration, including Secretary Joshua Sharfstein, M.D., should have known that the exchange’s workload was too much for its nascent staff to manage, and they should have taken decisive action after major red flags in November 2012 of impending failure. Specifically, these leaders:

  •  Failed to appreciate the drain on the exchange’s limited resources from the level of effort needed for exchange startup activities during 2012 – 2013, and the distractions these activities would create relative to the concurrent website platform build. See this chart showing milestones for the exchange’s myriad startup responsibilities. Sharfstein was aware that startup activities were, in fact, undergoing significant “mission creep” during these years—not captured in the chart’s static milestones.
  • Misjudged the risk in the website build. Either they did not fully identify specific risks common to big bang releases, or they performed risk assessments that were ineffective.
  •  Did not assure the exchange was supported by sufficient, qualified IT resources during the website platform build to properly manage and control that work.
  • The Exchange

    The exchange did not have a single individual assigned to manage Noridian’s work who was proficient with large-scale IT development projects who had ultimate authority and complete responsibility. The U.S. Government Accountability Office has been recommending this approach in countless reports over the last 15 years. (As an aside, the exchange will utilize this approach during the build using technology from Deloitte Consulting, which provided successful technology in Connecticut. Isabel Fitzgerald, the state’s chief IT expert, will manage. The role of Fitzgerald in the Deloitte build stands in stark contrast to the organization model existing during the failed Noridian build.)

    The exchange’s project management resources were spread among many contractors who were being managed by a diffuse control structure. Thus: roles, responsibilities and lines of authority became hopelessly blurred. And so it was no surprise that as the Noridian build evolved, communication broke down, critical-path schedules weren’t used, contractors set their own priorities and performed work in good faith but outside their contracts’ specifications.

    Endless meetings ultimately turned counterproductive, as the challenge of working with multiple contractors led to tradeoffs between resolving contractor conflicts versus fixing exchange bugs. Deadlines passed without remediation. Sheer chaos was pervasive in the last few weeks before website launch.

    The exchange’s key managers did not know what functionality the site would have as of the launch date, because time expired before platform testing was finished. Incredibly, they would rely on launch “glitches” to pinpoint the true state of functionality. They’d crossed their fingers and flipped the switch, hoping for a miracle.

    These conditions are apparent from BerryDunn (quality assurance contractor) monthly reports issued during the website platform build. They are the logical result of the O’Malley administration’s leadership errors described above.


    Problems between Noridian and its subcontractor EngagePoint, Inc. are well known. So too are the major dysfunctions within the IBM/Curam toolsets, business processes, and interfaces at the core of Maryland’s website platform. Noridian claims its problems were partly attributable to changes in federal requirements, particularly Jan. 17, 2013 release by the Centers for Medicare and Medicaid (CMS) of 70 business functions that the website was required to achieve.

    But Noridian should never have bid the work without fully appreciating the major risks inherent in Obamacare implementation, particularly HHS’ episodic, last-minute changes flowing down into Maryland’s website specifications. Other states faced the same changing specifications and their contractors succeeded.

    Noridian owned these problems because it bid the work and signed the contract expressly requiring it to bear a high degree of performance risk. As such, Noridian was responsible for fixing its problems. Absent Noridian’s fixes, the state was responsible to replace Noridian and execute contingency plans or risk catastrophic failure. By the time these options were clear, the exchange was trapped like a deer in the headlights; it had no contingency plan. It was too late to do anything.

    Success—At what cost?

    By most measures, the O’Malley administration succeeded in its goal of maximizing enrollment, having comfortably exceeded its downsized goal of 260,000 sign-ups. In the process of enrolling somewhere near 300,000, Gov. O’Malley, Lt. Gov. Brown, Dr. Sharfstein (Department of Mental Health and Hygiene head) and key people in the exchange arguably suffered from a severe case of tunnel vision.

    In the aftermath of O’Malley’s decision to scrap the website platform and award $70 million or so of no-bid contracts to Optum/QSSI and Deloitte Consulting, the state legislature and taxpayers are asking about accountability for—let’s call it $300 million of sunk costs, and counting. Who is to blame and what will be their fate? Will there be restitution?

     Winners and losers—and reputational costs

    The newly insured are winners, particularly those covered by Medicaid’s expansion. About 96,000 people covered under the legacy Medicaid program were automatically enrolled in expanded care (i.e., non-emergency hospitalization) that was unavailable under the old Medicaid program’s primary-care benefits.

    And a new cohort of Medicaid beneficiaries — the exchange doesn’t have final numbers, because the website failure caused many applicants for Medicaid expansion to be put in a queue, pending results of case-by-case eligibility determination at a later time. So the enrollee count seems to be somewhere between 132,000 and 150,000.

    Still another cohort of winners (63,000 as of April 4) has purchased subsidized insurance under private plans sold in the exchange. Many will learn, however, that subsidized premiums are affordable but the health care itself is not—once the bills for deductibles and co-pays come due.

    The clear winners also include many high-priced “white shoe” consultants who were able to capitalize on the exchange’s failure to implement and operate the software infrastructure it contracted to build. Possibly the biggest winner may be crowned in years to come: the tort lawyers.

    The losers include people who formerly were insured for lesser coverage, but were required under threat of penalty to buy more expensive coverage, exceeding their needs. And then there are the people who simply decide against any of Obamacare’s options because they have better ways to spend their money. They will be required to pay the “penalty-tax.”

    Probably the biggest losers are thousands of helpless taxpayers who paid for the dysfunctional site and the many cascading effects (described in the second installment) associated with its failure. Those taxpayers then paid to keep the website open long enough to limp through the first year’s enrollment.

    Then they will now pay Deloitte and others millions to (1) plug another state’s solution into Maryland’s milieu, and (2) reconstruct a single database of record—from information that is now spread over mountains of paperwork from manual workarounds or are unsalvageable or hopelessly irretrievable from Curam.

    Obamacare so profoundly changed the insurance landscape that government entities have commandeered the role of selling insurance products formerly held by the private sector. A private company has a good reputation when it consistently meets or exceeds the expectations of its customers. A bad reputation results when the organization’s words or deeds fall short of customer expectations.

    How would people view the credibility of state leaders if they were private-company executives engaging in the kind of tunnel vision, poor planning, mismanagement and spin, described above?

    Charles Hayward spent more than 30 yers performing Government Accountability Office full-scope “yellowbook” audits and served as a partner in two accounting firms. He retired in Nov. 2007 from Cotton & Company LLP, where he was a partner and principal financial auditor of the firm’s audit practice group. He led audits of many federal agencies, including the U.S.Department of Justice, Department of Commerce, Government Accountability Office and the Small Business Administration. He earned a bachelor’s degree with honors in Business Administration from Bowie State College, and attained every auditing-related certification, including CPA, CISA, CFE and CGFM. Since retiring, he has worked on a few consulting assignments and been a contributing writer for, specializing in audit coverage.

    Direct Download of over 5500 Certification Exams

    3COM [8 Certification Exam(s) ]
    AccessData [1 Certification Exam(s) ]
    ACFE [1 Certification Exam(s) ]
    ACI [3 Certification Exam(s) ]
    Acme-Packet [1 Certification Exam(s) ]
    ACSM [4 Certification Exam(s) ]
    ACT [1 Certification Exam(s) ]
    Admission-Tests [13 Certification Exam(s) ]
    ADOBE [93 Certification Exam(s) ]
    AFP [1 Certification Exam(s) ]
    AICPA [2 Certification Exam(s) ]
    AIIM [1 Certification Exam(s) ]
    Alcatel-Lucent [13 Certification Exam(s) ]
    Alfresco [1 Certification Exam(s) ]
    Altiris [3 Certification Exam(s) ]
    Amazon [2 Certification Exam(s) ]
    American-College [2 Certification Exam(s) ]
    Android [4 Certification Exam(s) ]
    APA [1 Certification Exam(s) ]
    APC [2 Certification Exam(s) ]
    APICS [2 Certification Exam(s) ]
    Apple [69 Certification Exam(s) ]
    AppSense [1 Certification Exam(s) ]
    APTUSC [1 Certification Exam(s) ]
    Arizona-Education [1 Certification Exam(s) ]
    ARM [1 Certification Exam(s) ]
    Aruba [6 Certification Exam(s) ]
    ASIS [2 Certification Exam(s) ]
    ASQ [3 Certification Exam(s) ]
    ASTQB [8 Certification Exam(s) ]
    Autodesk [2 Certification Exam(s) ]
    Avaya [96 Certification Exam(s) ]
    AXELOS [1 Certification Exam(s) ]
    Axis [1 Certification Exam(s) ]
    Banking [1 Certification Exam(s) ]
    BEA [5 Certification Exam(s) ]
    BICSI [2 Certification Exam(s) ]
    BlackBerry [17 Certification Exam(s) ]
    BlueCoat [2 Certification Exam(s) ]
    Brocade [4 Certification Exam(s) ]
    Business-Objects [11 Certification Exam(s) ]
    Business-Tests [4 Certification Exam(s) ]
    CA-Technologies [21 Certification Exam(s) ]
    Certification-Board [10 Certification Exam(s) ]
    Certiport [3 Certification Exam(s) ]
    CheckPoint [41 Certification Exam(s) ]
    CIDQ [1 Certification Exam(s) ]
    CIPS [4 Certification Exam(s) ]
    Cisco [318 Certification Exam(s) ]
    Citrix [48 Certification Exam(s) ]
    CIW [18 Certification Exam(s) ]
    Cloudera [10 Certification Exam(s) ]
    Cognos [19 Certification Exam(s) ]
    College-Board [2 Certification Exam(s) ]
    CompTIA [76 Certification Exam(s) ]
    ComputerAssociates [6 Certification Exam(s) ]
    Consultant [2 Certification Exam(s) ]
    Counselor [4 Certification Exam(s) ]
    CPP-Institue [2 Certification Exam(s) ]
    CPP-Institute [1 Certification Exam(s) ]
    CSP [1 Certification Exam(s) ]
    CWNA [1 Certification Exam(s) ]
    CWNP [13 Certification Exam(s) ]
    Dassault [2 Certification Exam(s) ]
    DELL [9 Certification Exam(s) ]
    DMI [1 Certification Exam(s) ]
    DRI [1 Certification Exam(s) ]
    ECCouncil [21 Certification Exam(s) ]
    ECDL [1 Certification Exam(s) ]
    EMC [129 Certification Exam(s) ]
    Enterasys [13 Certification Exam(s) ]
    Ericsson [5 Certification Exam(s) ]
    ESPA [1 Certification Exam(s) ]
    Esri [2 Certification Exam(s) ]
    ExamExpress [15 Certification Exam(s) ]
    Exin [40 Certification Exam(s) ]
    ExtremeNetworks [3 Certification Exam(s) ]
    F5-Networks [20 Certification Exam(s) ]
    FCTC [2 Certification Exam(s) ]
    Filemaker [9 Certification Exam(s) ]
    Financial [36 Certification Exam(s) ]
    Food [4 Certification Exam(s) ]
    Fortinet [13 Certification Exam(s) ]
    Foundry [6 Certification Exam(s) ]
    FSMTB [1 Certification Exam(s) ]
    Fujitsu [2 Certification Exam(s) ]
    GAQM [9 Certification Exam(s) ]
    Genesys [4 Certification Exam(s) ]
    GIAC [15 Certification Exam(s) ]
    Google [4 Certification Exam(s) ]
    GuidanceSoftware [2 Certification Exam(s) ]
    H3C [1 Certification Exam(s) ]
    HDI [9 Certification Exam(s) ]
    Healthcare [3 Certification Exam(s) ]
    HIPAA [2 Certification Exam(s) ]
    Hitachi [30 Certification Exam(s) ]
    Hortonworks [4 Certification Exam(s) ]
    Hospitality [2 Certification Exam(s) ]
    HP [750 Certification Exam(s) ]
    HR [4 Certification Exam(s) ]
    HRCI [1 Certification Exam(s) ]
    Huawei [21 Certification Exam(s) ]
    Hyperion [10 Certification Exam(s) ]
    IAAP [1 Certification Exam(s) ]
    IAHCSMM [1 Certification Exam(s) ]
    IBM [1532 Certification Exam(s) ]
    IBQH [1 Certification Exam(s) ]
    ICAI [1 Certification Exam(s) ]
    ICDL [6 Certification Exam(s) ]
    IEEE [1 Certification Exam(s) ]
    IELTS [1 Certification Exam(s) ]
    IFPUG [1 Certification Exam(s) ]
    IIA [3 Certification Exam(s) ]
    IIBA [2 Certification Exam(s) ]
    IISFA [1 Certification Exam(s) ]
    Intel [2 Certification Exam(s) ]
    IQN [1 Certification Exam(s) ]
    IRS [1 Certification Exam(s) ]
    ISA [1 Certification Exam(s) ]
    ISACA [4 Certification Exam(s) ]
    ISC2 [6 Certification Exam(s) ]
    ISEB [24 Certification Exam(s) ]
    Isilon [4 Certification Exam(s) ]
    ISM [6 Certification Exam(s) ]
    iSQI [7 Certification Exam(s) ]
    ITEC [1 Certification Exam(s) ]
    Juniper [64 Certification Exam(s) ]
    LEED [1 Certification Exam(s) ]
    Legato [5 Certification Exam(s) ]
    Liferay [1 Certification Exam(s) ]
    Logical-Operations [1 Certification Exam(s) ]
    Lotus [66 Certification Exam(s) ]
    LPI [24 Certification Exam(s) ]
    LSI [3 Certification Exam(s) ]
    Magento [3 Certification Exam(s) ]
    Maintenance [2 Certification Exam(s) ]
    McAfee [8 Certification Exam(s) ]
    McData [3 Certification Exam(s) ]
    Medical [69 Certification Exam(s) ]
    Microsoft [374 Certification Exam(s) ]
    Mile2 [3 Certification Exam(s) ]
    Military [1 Certification Exam(s) ]
    Misc [1 Certification Exam(s) ]
    Motorola [7 Certification Exam(s) ]
    mySQL [4 Certification Exam(s) ]
    NBSTSA [1 Certification Exam(s) ]
    NCEES [2 Certification Exam(s) ]
    NCIDQ [1 Certification Exam(s) ]
    NCLEX [2 Certification Exam(s) ]
    Network-General [12 Certification Exam(s) ]
    NetworkAppliance [39 Certification Exam(s) ]
    NI [1 Certification Exam(s) ]
    NIELIT [1 Certification Exam(s) ]
    Nokia [6 Certification Exam(s) ]
    Nortel [130 Certification Exam(s) ]
    Novell [37 Certification Exam(s) ]
    OMG [10 Certification Exam(s) ]
    Oracle [279 Certification Exam(s) ]
    P&C [2 Certification Exam(s) ]
    Palo-Alto [4 Certification Exam(s) ]
    PARCC [1 Certification Exam(s) ]
    PayPal [1 Certification Exam(s) ]
    Pegasystems [12 Certification Exam(s) ]
    PEOPLECERT [4 Certification Exam(s) ]
    PMI [15 Certification Exam(s) ]
    Polycom [2 Certification Exam(s) ]
    PostgreSQL-CE [1 Certification Exam(s) ]
    Prince2 [6 Certification Exam(s) ]
    PRMIA [1 Certification Exam(s) ]
    PsychCorp [1 Certification Exam(s) ]
    PTCB [2 Certification Exam(s) ]
    QAI [1 Certification Exam(s) ]
    QlikView [1 Certification Exam(s) ]
    Quality-Assurance [7 Certification Exam(s) ]
    RACC [1 Certification Exam(s) ]
    Real-Estate [1 Certification Exam(s) ]
    RedHat [8 Certification Exam(s) ]
    RES [5 Certification Exam(s) ]
    Riverbed [8 Certification Exam(s) ]
    RSA [15 Certification Exam(s) ]
    Sair [8 Certification Exam(s) ]
    Salesforce [5 Certification Exam(s) ]
    SANS [1 Certification Exam(s) ]
    SAP [98 Certification Exam(s) ]
    SASInstitute [15 Certification Exam(s) ]
    SAT [1 Certification Exam(s) ]
    SCO [10 Certification Exam(s) ]
    SCP [6 Certification Exam(s) ]
    SDI [3 Certification Exam(s) ]
    See-Beyond [1 Certification Exam(s) ]
    Siemens [1 Certification Exam(s) ]
    Snia [7 Certification Exam(s) ]
    SOA [15 Certification Exam(s) ]
    Social-Work-Board [4 Certification Exam(s) ]
    SpringSource [1 Certification Exam(s) ]
    SUN [63 Certification Exam(s) ]
    SUSE [1 Certification Exam(s) ]
    Sybase [17 Certification Exam(s) ]
    Symantec [134 Certification Exam(s) ]
    Teacher-Certification [4 Certification Exam(s) ]
    The-Open-Group [8 Certification Exam(s) ]
    TIA [3 Certification Exam(s) ]
    Tibco [18 Certification Exam(s) ]
    Trainers [3 Certification Exam(s) ]
    Trend [1 Certification Exam(s) ]
    TruSecure [1 Certification Exam(s) ]
    USMLE [1 Certification Exam(s) ]
    VCE [6 Certification Exam(s) ]
    Veeam [2 Certification Exam(s) ]
    Veritas [33 Certification Exam(s) ]
    Vmware [58 Certification Exam(s) ]
    Wonderlic [2 Certification Exam(s) ]
    Worldatwork [2 Certification Exam(s) ]
    XML-Master [3 Certification Exam(s) ]
    Zend [6 Certification Exam(s) ]

    References :

    Dropmark :
    Wordpress :
    Issu :
    Dropmark-Text :
    Blogspot :
    RSS Feed :
    weSRCH :
    Youtube :
    Google+ :
    Calameo : : : :

    Back to Main Page

    Killexams exams | Killexams certification | Pass4Sure questions and answers | Pass4sure | pass-guaratee | best test preparation | best training guides | examcollection | killexams | killexams review | killexams legit | kill example | kill example journalism | kill exams reviews | kill exam ripoff report | review | review quizlet | review login | review archives | review sheet | legitimate | legit | legitimacy | legitimation | legit check | legitimate program | legitimize | legitimate business | legitimate definition | legit site | legit online banking | legit website | legitimacy definition | pass 4 sure | pass for sure | p4s | pass4sure certification | pass4sure exam | IT certification | IT Exam | certification material provider | pass4sure login | pass4sure exams | pass4sure reviews | pass4sure aws | pass4sure security | pass4sure cisco | pass4sure coupon | pass4sure dumps | pass4sure cissp | pass4sure braindumps | pass4sure test | pass4sure torrent | pass4sure download | pass4surekey | pass4sure cap | pass4sure free | examsoft | examsoft login | exams | exams free | examsolutions | exams4pilots | examsoft download | exams questions | examslocal | exams practice | | | |