It was within the '70s and '80s that the Japanese began implementing technologies in diamond cutting. To help them to measure the quality of diamond cuts, they created special view-scope which they known as the FireScope. When viewing a diamond ring with the scope one surely could determine the hearth, or optical performance, in the diamond. The HPI continues to be developed designed for the business community and was the first inventory of normal personality depending on the Five-Factor Model. The Five-Factor Model is often a purely descriptive label of personality of personality depending on five broad domains of personality that are used by contemporary psychologists to spell out human personality. These are: Openness, Conscientiousness, Extraversion, Agreeableness, and Neuroticism (referred to as OCEAN in a nutshell). Central Insurance underwrites three different insurance policies categories including Homeowners, Auto, and Business. The company covers each of the basic policies for each group and adds several endorsements for better overall protections. In every underwriting process, there is absolutely no involvement from a captive agent. Customers can work with independent agents to discuss and negotiate every statement inside policy. 3. The confidence