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  • Health savings account

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    A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit. Unlike a flexible spending account (FSA), HSA funds roll over and accumulate year to year if they are not spent. HSAs are owned by the individual, which differentiates them from company-owned Health Reimbursement Arrangements (HRA) that are an alternate tax-deductible source of funds paired with either high-deductible health plans or standard health plans. HSA funds may currently be used to pay for qualified medical expenses at any time without federal tax liability or penalty. Beginning in early 2011 over-the-counter medications cannot be paid with an HSA without a doctor's prescription. Withdrawals for non-medical expenses are treated very similarly to those in an individual retirement account (IRA) in that they may provide tax advantages if taken after retirement age, and they incur penalties if taken earlier. The accounts are a component of consumer-driven health care.

  • Laibach

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    Laibach () is a Slovenian avant-garde music group associated with the industrial, martial, and neo-classical genres. Formed in a small mining town of Trbovlje (at the time in Yugoslavia) in 1980, Laibach represents the musical wing of the Neue Slowenische Kunst (NSK) collective, a group which Laibach helped found in 1984. "Laibach" is the German historical name for the Slovenian capital Ljubljana, itself an oblique reference to the Nazi occupation of Slovenia in World War II. From the early days, the band was subject to controversies and bans due to their use of iconography associated with totalitarianism, nationalism and militarism, a concept they have preserved throughout their career. Censored and banned in Socialist Yugoslavia and receiving a kind of dissident status, the band embarked on international tours and gradually acquired international fame. After Slovenia became independent in 1991, Laibach's status in the country has turned from rejection to promotion into a national cultural icon, which included performances with the Slovenian symphony orchestra. Early Laibach albums were pure industrial, with heavy rhythms and roaring vocals.

  • nan

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