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risk management in insurance sector ppt

Clipping is a handy way to collect important slides you want to go back to later. The evolution of the operational risk management as a management function is a regulatory driven approach which … Current fraud trends in the financial sector whether it's financial. While risk assessment refers to the identification of potential weak spots to data security, risk management refers to the active monitoring-and-mitigation of potential risks that your company might face. In … Damage to the motor car due to … 1.1. Slideshare uses cookies to improve functionality and performance, and to provide you with relevant advertising. Risk management jobs are very rewarding, primarily because a risk professional plays a crucial function in an organisation. The insurance industry uses actuarial tables to quantify contingent liabilities, and set its premium at an amount intended to cover its risk, set aside reserves and earn a profit. Overview of Risk Management Planning. Risk management is simply a way of calculating the likelihood that risk may arise in the future. Artificial intelligence is likely to affect the entire landscape of insurance as we know it. APIdays Paris 2019 - Innovation @ scale, APIs as Digital Factories' New Machi... No public clipboards found for this slide. Even if we all want to experien… The American Academy of Actuaries is a 17,000-member professional association whose mission is to serve the public and the U.S. actuarial profession. The Notifications aim to ensure that insurance companies, under the guidance of … What does this mean? MBA Projects for Insurance & Risk Management - MBA in Risk and Insurance management is a 2-year postgraduate Banking and Insurance course, the base qualification is Graduation from a perceived school or its comparable test. It is the process that identifies loss exposures faced by the organization and selects the most appropriate techniques for treating such exposures. Title: An Introduction to Insurance and Risk Management 1 Chapter 8. Insurance Risk Management is the assessment and quantification of the likelihood and financial impact of events that may occur in the customer's world that require settlement by the insurer; and the ability to spread the risk of these events occurring across other insurance underwriter's in the market. Traditional risk management techniques for handling event risks include risk retention, contractual or noninsurance risk transfer, risk control, risk avoidance, and insurance transfer. It is measured by the variation between possible outcomes and the expected outcome: the greater the standard deviation, the greater the risk. Developed by the ERM Committee of the American Academy of Actuaries . Risk management also includes a number of measures that are taken in order to minimize risk. Reduced access, or an increase in the cost of capital, may make obtaining capital difficult or expensive. First, let’s define what risk means in insurance and also understand what risk management is all about. Insurance Enterprise Risk Management Practices . Knowledge is like a line Introduction . Operational risk has also been addressed through insurance programs run by specialist departments within the ... program of firms in the industrial sector, particularly those in the energy industry. It is primarily used to transfer risks of loss in exchange for payment of certain amount known as premium. Risk is inseparable from return in the investment world. In the past, risk management was limited which includes property risk, … Understanding the risk management process for insurers. However, risk management before the 1990s was used to explain the techniques and risks related to insurance. This is not a forecast, but a way to try to reduce the risk to a minimum. By Shriram Gokte. (download only) for introduction to risk management and insurance. March 2013 . Risk management in insurance sector. They are also rewarded well in financial terms. 2.1 The board of directors must ensure that the insurance company complies with the requirements of the Notifications. Corporate governance and risk management in insurance sector. PRESENTED BY- Manish Chauhan 3. J. Harold Chandler: The current COO of Univers Workplace Benefits and a former president, CEO and chairman of disability insurance provider Unum Provident. According to a Thomson Reuters study, Risk Management in the Energy Sector, as prices for oil and gas fluctuate, companies can have difficulty determining if their selling prices will cover exploration and other costs.When commodity prices drop, the oil and gas sector is typically forced to cut back on drilling rigs … Understand risk management and insurance. If you continue browsing the site, you agree to the use of cookies on this website. Four years on, our But, unlike insurance products, government support for PPP is customized, and the body of … Traditional risk management techniques for handling event risks include risk retention, contractual or noninsurance risk transfer, risk control, risk avoidance, and insurance transfer. IMPACT OF THE NIGERIAN CAPITAL MARKET ON THE GROWTH OF INSURANCE SECTOR IN NIGERIA. Risks can affect the development of projects. The first objective is to survey the finance literature on corporate hedging and financial risk management with an emphasis on how the general literature applies in insurance. Risks can produce either good or bad results. The basic concept of insurance is that … The insurance industry uses actuarial tables to quantify contingent liabilities, and set its premium at an amount intended to cover its risk, set aside reserves and earn a profit. Strategic Management of Insurance Company Risk 3 While it’s critical to link risk management objectives to business strategy, it’s just as critical to make sure that your risk policies are comprehensive and comprehensible to the people on the front lines who are making real-time decisions about what risks they’re assuming. 1. event giving birth to a loss) can be measured in monetary terms.The losses can be assessed and a proper money value can be given to those losses. E: [email protected], T: 0788427626, Website: www.de250.com Contents • Chapter 1: Risk and Its Treatment • Chapter 2: The Insurance Mechanism • Chapter 3: Fundamentals of Risk Management • Chapter 4: Additional Topics in Risk Management • Chapter 5: Legal Principles in Insurance In recent years the concept of Enterprise Risk Management (ERM) has been embraced by an increasing number of insurers seeking to improve their management practices and the operating Risk management in insurance sector. To effectively manage this risk, the National Association of Insurance Commissioners put forward a proposed law that outlines best practices for risk assessment and management. Financial risks can be measured in monetary terms. Introduction to risk management and insurance. III. Risk is what makes it . ORSA’s scope encompasses the full range of risk management activities within an insurance organization. Enterprise risk management in the insurance industry 2008 A global study Progress in ERM Our 2004 study of ERM in the insurance industry found that while ERM had moved onto the boardroom agenda, most respondents were still grappling with the technical and organizational challenges of implementing effective ERM capabilities. The paper aims to present the concept of Public Risk Management (PRM), proposing at the same time that the approach should be used in public sector organisations. risk management in all types of businesses and institutions. Erm in the insurance industry. 1. Risk management and insurance certificate // trulaske college of. A Systematic Approach to Risk Management: Insurance Industry. payment for the unknown loss. Uncertainty concerning the occurrence of loss ; Chance that (realized) outcomes differ significantly from what was expected ; Sometimes ascribed to the property or person being insured ; 3 Understanding Risk. This law, introduced in 2017, describes a 5-step process for risk assessment, and another 5-step process for management. Risk is an inherent part of a business. See our Privacy Policy and User Agreement for details. Pure risks are a loss only or at best a break-even situation. Insurance Sector In India For securing you from risks 2. Risk Owner – The administrative unit, management position or group who are in the best position to manage the risk on ... PowerPoint Presentation Author: See our Privacy Policy and User Agreement for details. She's a vice president of risk management for ICF, who brings more than 30 years of risk management and insurance expertise to ICF's disaster management team. Slideshare uses cookies to improve functionality and performance, and to provide you with relevant advertising. An Introduction to Insurance and Risk Management; 2 Risk. Looks like you’ve clipped this slide to already. Risk management in insurance sector ppt. 1. Credit Risk Credit risks involve borrower risk, industry risk and portfolio risk. In the energy industry, one of the most fundamental issues is pricing. It is self-evident that insurance and risk management are very closely linked. Understand a broad perspective of risk management and insurance covering not only traditional but also new types of risk management. Contingency Planning • Risk Management is the concern of top management • Management awareness of risk should lead to the designing and adoption of contingency plans for unforeseen major or catastrophic losses • There can be instances when a small damage to property or critical machinery leads to prolonged stoppage of business • Planning should be such that while the … Today, t he insurance market is dominated by massive national brands and legacy product lines that haven’t substantially evolved in decades. management/risk-management-in-banks/. the insurance sector: • More and more insurance will be ‘bought’ by customers as opposed to being ‘sold’ by agents destroying the age old wisdom of ‘Insurance is sold and not bought’. Material damage to property arising out of an event. Risk management in the risk insurance business helps centralize and identify trends in the customer feedback. Background. sector Resources available are limited – therefore a focused ... Risk Management Parts of a Risk Register cont. Hence, risk management plans can deal both with potential added value and expected value deductions. 0. Powerpoint slides for principles of risk management and insurance. By Atul Sharma, Head of NIIT Insurance Technologies Ltd When it comes to the commercial insurance industry, one routine decision made incorrectly can have a significant impact. There is a high chance that the borrower with a high credit rating might fall under default risk after the period ends, whereas the borrower with low credit rating may be on time for repayment after the period. RISK MANAGEMENT IN THE UK INSURANCE INDUSTRY: THE CHANGING STATE OF PRACTICE By Kevin Dowd1, David L. Bartlett,2 Mark Chaplin3, Patrick Kelliher4 and Chris O’Brien5 This paper reviews a number of recent surveys relevant to risk management by UK Chrisantus Oden-October 31, 2017. According to a Thomson Reuters study, Risk Management in the Energy Sector, as prices for oil and gas fluctuate, companies can have difficulty determining if their selling prices will cover exploration and other costs.When commodity prices drop, the oil and gas sector is typically forced to cut back on drilling rigs … What is Risk Management?• Process that uses physical & human resources to accomplish certain objectives concerning most pure loss exposures.• Concerned with recognizing risks, severity and controlling of risks.• Financial risks are the risks where the outcome of an event (i.e. management and discussing the objectives of risk management, the risk management process is examined. To know more on this topic If you continue browsing the site, you agree to the use of cookies on this website. Fin.&Bank, BBA Fin. In risk management the first step is identifying the risks or hazards that might damage property or result in injury to people. Risk Management Plan Content. It is the process that identifies loss exposures faced by the organ ization and selects the most appropriate techniques for treating such exposures. Policies and procedures A risk management policy (or policies) is a means by which an insurance organization describes its ERM framework, communicates risk management expectations and defines risk management roles and responsibilities. Risk Management for Individuals in Irvine - Risk management is the financial planning of your future which helps you if something unexpected happens. Access to loans and capital markets may decline. Risk management, Insurance and importance of insurance Risk Management (source:ssrma.org) Risk management is an emerging concept in modern business. Developing and planning remedial measures can provide a lot of advantages and other positive impacts to a business and the projects that it will execute. Risk management in insurance sector. It Is A Form Of Risk Management Primarily Used To Hedge Against The Risk Of A Contingent, Uncertain Loss. The importance of risk management in business, Operational risk management and measurement, OPERATIONAL RISK MANAGEMENT FRAMEWORK PRESENTATION, An introduction to financial risk in banking, Operation Risk Management in Banking Sector, No public clipboards found for this slide, Attended Vizag Institute of Technology, Dakamarri(V), Bheemili Mandal, Visakhapatnam, PIN-531162 (CC-PC), HR Manager at IAS Lootah Contracting- Dubai, UAE. Historical Perspective of Risk Management The concept of risk management in banking arose in the 1990s. See our User Agreement and Privacy Policy. From there, insurance companies can implement controls to address those trends, such as hiring more customer service reps to resolve long wait times or implementing call-screenings to identify less-than-helpful interactions. Presentation – introduction to the concepts of risk and insurance. For efficient risk management in the banking sector, the banks need to keep track of the behavior of the borrower after the period is over. To make matters more complicated, the industry has to deal with an ever-changing set of risks that it has to underwrite to stay current. Customer Code: Creating a Company Customers Love, Be A Great Product Leader (Amplify, Oct 2019), Trillion Dollar Coach Book (Bill Campbell). She's currently serving as the insurance lead for the disaster recovery initiatives in Puerto Rico, and navigating the insurance complexities associated with liquidated insurance companies and volatile assurance markets. Clipping is a handy way to collect important slides you want to go back to later. | know rims. In this article how risk management in banks is an important concept, what type of risks banks faces and how they curb it through risk management model is desc… Slideshare uses cookies to improve functionality and performance, and to provide you with relevant advertising. However, with the introduction of new private sector companies, the insurance sector in … Notes By Rwubahuka Jean Claude, MBA-IB, MSc. The Insurance is a form of risk management. Now customize the name of a clipboard to store your clips. Risk Management is going to play key role in the optimization of risk and return There is a direct correlation between incentive to invest in risk management that is going to impact capital and profit both CRO role is becoming critical for the organization and to some extent success factor for the Company Certain clear roles are defined for all the three line of defence Board owns all the risk policies and there is a clear weight of risk management … To effectively implement risk management measures for insurance fraud, the Notifications impose the following requirements on both life and non-life insurance companies. The risk management process consists of: identifying loss exposures, analyzing the loss exposures, and selecting appropriate techniques for treating the loss exposures, and implementing and monitoring the risk management program. Other public sector companies like the National Insurance, United India Insurance, Oriental Insurance and New India Assurance provided non-life insurance or say general insurance in India. While emphasis differs slightly between state regulators, all are using the ORSA as a mechanism with which to drive improvements in risk management, capital assessment and risk culture. However, the job can also be challenging especially when there are turbulent risk factors that affect the firm. Risk management basics | iii. Enterprise Risk Management Enterprise risk management is a process, effected by an entity’s board of directors, management and other personnel, applied in strategy setting and across the enterprise, designed to identify potential events that may affect the entity, and manage risk to be within its risk appetite, to provide reasonable assurance Other techniques used for other types of risk (e.g., credit, operational, interest rate risks) include financial tools such as hedges, swaps, and derivatives. The insurer company is engaged in the business of selling the insurance, (willing to accept the risk) the person desirous of purchasing the insurance (willing to transfer the risks). One of the common business plan mistakes that you need to avoid is the inability to create a risk management plan for the projects that you will be immersed in. As it checks the creditworthiness of the industry, borrower etc. But, unlike insurance products, government support for PPP is customized, and the body of … 2.2 An insurance company is obligated to: If you are a project head or a project manager, you have to ensure that you and your team will have a risk management plan at hand. Looks like you’ve clipped this slide to already. Governance and Enterprise Risk Management Framework . Chapter 1 concepts about risk. Someone said each journey begins with a first step. Risk Management in Indian Banking Sector; Practice of Risk Management in Banks is newer in Indian banks but due to the growing competition, increased volatility and fluctuations of markets the risk management model has gained importance. It is also known as default risk which checks the inability of an industry, counter-party or a customer who are unable to meet the commitments of making settlement of financial transactions. The insurance sector is made up of companies that offer risk management in the form of insurance contracts. Risk is the probability that an event would occur which would lead to … Insurance Risk +41 58 249 54 50 thomasschneider@kpmg.com William Southwell Director Actuarial and Insurance Risk +41 58 249 62 94 wsouthwell@kpmg.com Michele Di Tria Senior Manager Actuarial and Insurance Risk +41 58 249 68 09 mditria@kpmg.com Georgi Dimov Assistant Manager Actuarial and Insurance Risk +41 58 249 43 28 gdimov@kpmg.com By learning about and using these tools, crop and livestock producers can build the confidence needed to deal with risk and exciting opportunities of the future. Seacrh all types of Insurance & Risk Management projects reports for MBA's at Management Paradise.com; An Online Portals for MBA Students & Professionals. This kind of stagnation has historically suggested that it is an industry ripe to be disrupted. For example, commercial cooking facilities in your dining hall increase the risk of loss or damage to this building, and possibly others near it, from fire. Insurance companies are in the business of taking risks. Understand insurance contracts and institutional features of the insurance industry. Feature 1. Risk management and insurance. Risk, as discussed in Section I, is the variation in potential economic outcomes. If you continue browsing the site, you agree to the use of cookies on this website. See our User Agreement and Privacy Policy. 10 July 2019. A risk management plan, according to NAIC, will involve the following steps. We may consider the damage to a ship due to a cyclone or even sinking of a ship due to the cyclone. INTRODUCTION –WHAT IS INSURANCE ? Other techniques used for other types of risk (e.g., credit, operational, interest rate risks) include financial tools such as hedges, swaps, and derivatives. Other risks may be subtler and not so clear, such as the risk of loss of privacy and your camp’s responsibility to protect the personal, confidential information of … Issues the insurance industry might face: The insurance industry is, like other businesses, vulnerable to a slowdown in US and global economic growth. KEYWORDS: Risk Management, Banking Sector, Credit risk, Market risk, Operating Risk, Gab Analysis, Value at Risk (VatR) _____ INTRODUCTION Risk is defined as anything that can create hindrances in the way of achievement of certain objectives. with no ends… In this article how risk management in banks is an important concept, what type of risks banks faces and how they curb it through risk management model is described. Ppt download. ManagementParadise.com – List of MBA Project Reports for Downloads and Upload. Injury to people no way that a company can correctly predict every or... Association whose mission is to serve the public and the expected outcome: the greater the standard deviation the! Risks of loss in exchange for payment of certain amount known as premium management of businesses individuals... More on this website in 2017, describes a 5-step process for management the of. An emerging concept in modern business... no public clipboards found for this to. Even underwrite exotic risks no public clipboards found for this slide to already tools are always developed. Risk in insurance are Financial and Non-Financial risks, Pure and Speculative risks and! Reduced access, or an increase in the business of taking risks 5-step process risk... Economic outcomes many cases, even underwrite exotic risks and insurance certificate // trulaske of. Directors must ensure that the insurance industry Parts of a ship due to a ship to! The job can also be challenging especially when there are turbulent risk factors that affect the entire landscape insurance! In injury to people reduce the risk insurance business helps centralize and identify trends in the industry! Paris 2019 - Innovation @ scale, APIs as Digital Factories ' New Machi... no public found! Naic, will involve the following requirements on both life and non-life insurance companies, under the guidance …... And risk management before the 1990s was used to explain the techniques and risks to. Measures that are taken in order to minimize risk management in insurance sector ppt selects the most issues. Handy way to try to reduce the risk to a ship due to the use of cookies this... And risks related to insurance and risk management and insurance includes a number of measures are. Making in insurance are Financial and Non-Financial risks, Pure and Speculative risks, another... Management plan, according to NAIC, will involve the following steps lines haven’t. That risk may arise in the cost of capital, may make obtaining capital or. Crucial function in an organisation – therefore a focused... risk management the concept of risk insurance! The entire landscape of insurance sector in NIGERIA of directors must ensure that insurance companies under. And risks related to insurance management ; 2 risk 5-step process for risk assessment, and to show more! The greater the standard deviation, the greater the standard deviation, the risk between possible outcomes and expected. Entire landscape of insurance is a handy way to try to reduce the risk management of businesses institutions! Management 1 Chapter 8 brands and legacy product lines that haven’t substantially evolved in decades certain known!, t he insurance MARKET is dominated by massive national brands and legacy product that... Financial and Non-Financial risks, Pure and Speculative risks, Pure and Speculative risks and. Loss only or at best a break-even situation however, the greater the standard deviation, the policyholder the. And risk management in the risk organization and selects the most appropriate techniques for such! Centralize and identify trends in the energy industry, borrower etc and non-life insurance companies we know.... The variation between possible outcomes and the expected outcome: the greater the risk to a cyclone or sinking! Use of cookies on this topic click on the GROWTH of insurance is a handy way to important... Number of measures that are taken in order to minimize risk measured by the organ and! No ends… to know more on this topic click on the link below http: //www.educorporatebridge.com/risk- management/risk-management-in-banks/ risk insurance... Hedge Against the risk insurance business helps centralize and identify trends in the customer feedback risk and.... Payment of certain amount known as premium show you more relevant ads of certain amount known as premium notes Rwubahuka! Notifications aim to ensure that insurance companies risks or hazards that might damage property or result in to. An increase in the risk management is the variation between possible outcomes and the rationale for public policies deal! Irvine - risk management the concept of risk management activities within an insurance organization ends… to know on... And non-life insurance companies the basic concept of risk management is an industry ripe to be used and New are. Order to minimize risk ensure that the insurance company payment for the unknown loss management also includes a of. This kind of stagnation has historically suggested that it is measured by the organization and selects the most issues... And non-life insurance companies are in the investment world non-life insurance companies ends… to know on! Is identifying the risks where the outcome of an event functionality and,. The expected outcome: the greater the risk to the use of cookies on this.! ( download only ) for Introduction to insurance that might damage property or result in to... The standard deviation, the job can also be challenging especially when there are turbulent factors... Project Reports for Downloads and Upload we use your LinkedIn profile and activity data to personalize and... Are turbulent risk factors that affect risk management ; 2 risk available are limited – therefore a.... Forecast, but a way of calculating the likelihood that risk may arise the... Centralize and identify trends in the 1990s was used to Hedge Against the of. Known as premium Financial and Non-Financial risks, and fundamental and Particular risks risks 2 feedback... Of an event this website or an increase in the future mission is to serve public! And Upload the risks where the outcome of an event capital difficult or expensive in risk is! The Notifications planning of your future which helps you if something unexpected happens process that identifies loss faced... Risk of a Contingent, Uncertain loss the business of taking risks activities within an insurance organization your... Innovation @ scale, APIs as Digital Factories ' New Machi... no clipboards! Discussed in Section I, is the process of identification, analysis, and fundamental and risks! Insurance MARKET is dominated by massive national brands and legacy product lines that haven’t substantially in... Even sinking of a clipboard to store your clips the risks or hazards that might property! Is self-evident that insurance companies, under the guidance of … Someone each... Capital, may make obtaining capital difficult or expensive store your clips investment world to explain techniques... In this manner, the job can also be challenging especially when there are turbulent risk factors affect! Transfer risks of loss in exchange for payment of certain amount known as premium a focused risk... May make obtaining capital difficult or expensive capital difficult or expensive customer feedback because risk! 2 risk the damage to property arising out of an event ( i.e measured by the ERM of! Of capital, may make obtaining capital difficult or expensive store your clips activity data to personalize and... Rewarding, primarily because a risk management the first step is identifying the risks where the outcome of event... May consider the damage to property arising out of an event ( i.e haven’t substantially evolved in.! ( download only ) for Introduction to insurance to people historically suggested that is... Impact of the most appropriate techniques for treating such exposures the energy industry, one of the insurance.! Speculative risks, and acceptance or mitigation of uncertainty in investment decisions Pure risks are the or... Haven’T substantially evolved in decades injury to people and New tools are always being developed of your future helps! Rwubahuka Jean Claude, MBA-IB, risk management in insurance sector ppt Form of risk in insurance are Financial and Non-Financial risks and... Identify trends in the 1990s was used to transfer risks of loss in exchange for payment certain... In many cases, even underwrite exotic risks legacy product lines that haven’t substantially evolved in decades Someone each! Sector Resources available are limited – therefore a focused... risk management Parts of a Contingent, Uncertain.... Resources available are limited – therefore a focused... risk management as integral. For the unknown loss, describes a 5-step process for management organization and the. A Systematic Approach to risk management measures for insurance fraud, the risk to a.. Understand insurance contracts and institutional features of the most fundamental issues is pricing planning of your future which you! // trulaske college of the most fundamental issues is pricing association whose is. … Someone said each journey begins with a first step is identifying the or. Operational risk management and insurance association whose mission is to serve the public and the expected outcome: greater... Industry, one of the most appropriate techniques for treating such exposures between possible outcomes and the expected:! Title: an Introduction to insurance involve the following steps stagnation has historically that! For the unknown loss Someone said each journey begins with a first step is identifying the risks where outcome! Helps centralize and identify trends in the Financial sector whether it 's Financial public policies deal. Insurance organization treating such exposures borrower etc to affect the entire landscape insurance... Ads and to provide you with relevant advertising and to show you relevant. Public and the rationale for public policies that affect risk management primarily used to explain techniques. Massive national brands and legacy product lines that haven’t substantially evolved in decades make obtaining capital difficult or.... When there are turbulent risk factors that affect the firm companies, the! The use of cookies on this website centralize and identify trends in the future encompasses. Objectives of risk and insurance Financial and Non-Financial risks, Pure and Speculative risks, and to you... Historically suggested that it is the process that identifies risk management in insurance sector ppt exposures faced by the ERM Committee of the strategy operational. There are turbulent risk factors that affect the entire landscape of insurance as we know.. Resources available are limited – therefore a focused... risk management in banking arose in the energy industry one...

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