Abstract: A system for providing insurance policies is disclosed herein that includes an insurance database storing user information for a group of users in an insurance program, including user identity data and user reputation data, and an insurance program server containing an insurance platform application communicating with the users in the insurance program through a social network web site and accessing user identity data through a social network database. The application provides insurance policies issued by an insurance carrier to the users covering a first insurance policy term, and uses risk reputation rating data about an individual user submitted by the individual user and scored by the insurance platform application for the purpose of removing selected users from the group for a second insurance policy coverage term. Additional systems and methods are also disclosed.

Abstract: A curable composition comprises epoxy resin preparable by reaction of epichlorohydrin with at least one of bisphenol A or bisphenol F, polyfunctional urethane(meth)acrylate, dicyandiamide and photoinitiator. The curable composition is useful for preparing treated backings and coated abrasive articles.

Abstract: A curable composition comprises epoxy resin preparable by reaction of epichlorohydrin with at least one of bisphenol A or bisphenol F, polyfunctional urethane(meth)acrylate, dicyandiamide and photoinitiator. The curable composition is useful for preparing treated backings and coated abrasive articles.

Abstract: An abrasive article is presented which includes a backing having a front and back surface, and an abrasive coating bonded to the front surface of the backing. The abrasive coating comprises a homogeneous mixture of a plurality of abrasive particles, a binder and a grinding aid. The binder serves to bond the abrasive coating to the backing and the grinding aid comprises at least 1% by weight of the abrasive coating, but not more than 50% by weight. It is preferred that the abrasive coating consists essentially of a plurality of precisely shaped abrasive composites. Methods of making and using the abrasive articles are also presented.