California Governor Jerry Brown has signed several new laws that are geared to expand consumer protection for consumers shopping for California health insurance. The census data indicates that almost one in five Californians need health care coverage. With the new health care laws ready to be implemented, they are predicting that these laws could make 2012 a memorable year.

New California Health Insurance Law For Women

In 2012, women will gain more protection whether they choose to get coverage through employer-provided health insurance plans or buy an individual healthcare plan. Brown signed three bills into law in order to provide maternity services for pregnant women and new mothers. According to Brown, this is will give children the "best possible start."

Another date women should watch for in the next year will be on the 1st of July. SB 222 requires individual California health insurance plans to provide maternity services. Also beginning July 1, AB 210 will provide maternity services to group health care plans. Employers will be required to pay for coverage under group health plans for women on maternity leave under SB 29.

Are Small Businesses Affected Too?

According to the chief executive of the advocacy group Small Business Majority, small business firms with employees less than 50 will find that healthcare coverage is more affordable under the new laws in California. That is very significant because approximately 718,220 small employers in California make up 99.2 percent of California's employers in 2006, as stated by the U.S. Dept. of Commerce: Bureau of the Census.

Whether Californians get coverage through their employer or buy individual policies, they could be eligible for "rebates" next year. To comply with federal reform, SB 51 requires insurance companies to spend at least 80 percent of premiums from individuals and small firms on health care for members. As for group policies, 85 percent of premiums must be spent on members' health care.

Blue Shield Of California Will Distribute Rebates To Consumers

Just this summer, Blue Shield of California announced that it would cap its net earning at two percent of revenue and return the excess to their policy holders in the form of rebates. With more than three million California insurance plan holders, Blue Shield posted a profit margin of 3.1 percent last year. This included income derived from investments. According to a press release from Blue Shield, individual consumer credits range from $25 to $415. Businesses should receive approximately $110 to $130 per worker.

Subsidies For California Health Insurance Made Easier

Gov. Jerry Brown also signed bills that will make it easier for Californians to apply for subsidized California health coverage via the online state health insurance exchange. However, we have to wait until 2014 when it will be fully implemented. Under AB 1296, the forms and procedures needed to get subsidies through the state based exchanged are tackled.

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One of the biggest medical care cost events is maternity coverage, for the medical costs incurred during this period are already high and can vary depending upon the needs of the mother and the unborn baby. Insurance companies often put limits and restrictions on just what they will cover under maternity insurance coverage. The maternity period covers prenatal care and postnatal care for both mother and baby. Once the baby is born, he or she is placed under the typical health insurance coverage the family carries.

This coverage is important to have because not only will it help pay some of the expensive medical costs associated with having a baby, but it will also guarantee a high quality level of medical care. It is a well known fact that there are levels of care in the health care industry and those with quality insurance and ability to pay out of pocket expenses will be able to afford top notch health care services. This coverage ensures the needs of the mother and baby will be met and optimal care will be provided.

It is important to check the insurance policy's maternity coverage before pregnancy in order to be sure the coverage is present. If it is not, there are a few ways to get maternity coverage but most of them are in the form of expensive add ons or riders to the health insurance policy. Check the policy's maternity coverage before it is needed just in case there is a waiting period or added restrictions that could affect the amount of medical maternity coverage the policy will provide. Even with the added expense, it is beneficial to have maternity coverage on the health insurance policy.

Health insurance coverage for families is a very important part of protecting the family. Quality health insurance will ensure that families get top notch medical care and will safeguard the family finances from being drained to pay for medical care costs. This coverage is important to ensure the best possible medical care with many options is available to the expectant mother and the unborn baby. The overall cost of having a baby is expensive and there will still be significant out of pocket expenses to pay, but maternity coverage will offset a big portion of those costs. With good health insurance maternity coverage, quality care and affordable medical bills can bring peace of mind and the occasion can be enjoyed instead of worried over.

If you need assistance locating these types of special coverages, please visit our website at http://www.health-insurance-buyer.com and provide your contact information so we can respond to your request and help.

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Some women suffer from terrible abdominal pain after having an IUD (intra uterine device) fitted. Others don't have a problem at all.

But IUDs can cause more than abdominal pain. Because they also have a slow release of a synthetic hormone that may not suit you, you may also suffer with a hormonal imbalance. If that is the case, your best option is probably having it removed.

Take away the cause and the effect will vanish.

It's common for doctors to think there are no pain sensors in the uterus. In which case, they reason, you shouldn't suffer pain when the device is inserted.

But many women do suffer terrible pain afterward. And for a prolonged time, often going on for months.

If you still want to keep the device and just resolve the pain, then the homeopathic medicine Bellis perennis will do a great job. Bellis perennis is an injury medicine par excellence, which is particularly (but not exclusively) suited to the hormonal problems of women.

Problems such as any deep abdominal pain from injury - pregnancy, after birth, after hysterectomy, after a D & C, after a miscarriage, after an abortion. And it's a great medicine to heal injury to the delicate breast tissue.

When a trauma is not healed at an energetic level, depression can set in. I suspect that many cases of post natal depression stem from the lack of deep healing that should be available at all birthing centres.

Keeping Bellis perennis in your homeopathic first aid kit may ensure your potential at resolving more than your IUD pain.

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If you find out that you, or your wife or girlfriend is pregnant, one of the first things that expecting parents are concerned about is health insurance. If the expecting mother does not have health insurance, but is ready to start a new job, or is transferring to a new company during pregnancy, there may be concern of the pregnancy being considered a "pre-existing condition", and the woman was pregnant prior to receiving the insurance. This can present a problem as insurance companies are becoming more and stricter about pre-existing conditions and denying many people the opportunity for proper health insurance and thus, proper health care.

Fortunately, thanks to the Department of Labor's HIPAA Act of 1996, pregnancy is not considered a pre-existing condition, and thus an expecting mother cannot be denied health insurance. However, there are loopholes to this law depending on whether or not the insurance is a group or individual health plan. Group health plans tend to consider pregnancy as not being a pre-existing condition. Individual group plans will most likely not take a pregnant applicant, or the husband of a pregnant woman.

Many states offer individual health insurance plans for those who have a pre-existing condition that cannot be covered by another insurance source. If you are pregnant and cannot locate proper health insurance during and after your time of pregnancy, consider speaking with your state health department to discuss your options.

There is no reason that a pregnant women go through 9 months of stressful labor to have to worry about insurance in the end. Make sure to reach out to any and all resources or even a friend or family member to help you find the insurance for the care you need.

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Intrauterine insemination (IUI) involves the donor sperm deposition in the uterus of the woman by other means other than the natural way. Many couples find IUI cost more affordable and the procedure is not invasive. The process is usually useful when:

• The woman has a problem with the mucus in the cervix making the environment hostile for sperms
• When the man is unable to ejaculate
• The man suffers from retrograde ejaculation. The semen instead of exiting the penis it goes back
• Infertility that cannot be explained
• The man has antibodies that work against his sperms

The IUI cost could be intimidating especially if one has no insurance. On average IUI and sperm washing cost around $200- $300. Other procedures done raise the IUI costs. They include ultra sound, blood work and fertility drugs. If you have a natural cycle, you could spend only $200 but those that are using injectables spend almost $5000 -$6000. If you want to make the process more affordable especially with no insurance, you need to find ways that you can cut the IUI costs. This may include:

• Having a supplemental insurance that would refund your expenses once you deliver
• The IRS fund one third of the total IUI cost

IRS

The costs you incur with IUI are usually tax deductable. Therefore, by offsetting what you have saved in taxes you can reduce this cost. Flexible spending account (FSA) helps one to access their tax savings on the first expenses of IUI. In addition, one is able to reduce the taxes they pay on FICA. FSA can help you to acquire a tax saving of more than one third.

IUI Supplemental Insurance

Chances of conceiving are usually high with IUI treatment as compared to others. Buy supplemental insurance before you get pregnant or soon after and create income for maternity leave. With this insurance, it protects you from pregnancy complications delivery issues and premature delivery. The benefit of normal delivery usually exceeds what you pay as premiums.

The IUI costs also vary from one clinic to the other due to the different treatments that they use. Consult with your doctor to see where you can find relatively cheap clinics and one with a history of good results to avoid too many expenses.

Some of the clinics also give you a treatment plan for the procedures and medications that you will be using. In case you decide to stop treatment, they can deduct what you have spent on the treatments and give you a refund.

The most expensive part of IUI is the medications. You can reduce this IUI costs by having a flexible spending account for the medications. The flexible account can also provide you with an interest free loan. Some of the states also make it mandatory to have to a certain degree an infertility health insurance cover. Research and see if you fall in the category and drastically reduce you IUI cost for the treatment.

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During the expectant mothers third trimester, which lasts from the 28th week until birth at approximately 40 weeks, her unborn child will grow and develop at a very rapid pace. As a result of this increased weight and development, the fetus' requirements for nutritional needs will have also grown. This will include the baby's needs for more calcium, more protein and more iron.

Due to the baby's greater size, the mother will often begin to experience an array of symptoms that can result in great discomfort for her. While most of the signs of late pregnancy are normal and not a threat to her health or her unborn child's health, it is important that a woman have an understanding of what to expect during the last few months. Just as there was great differentiation in experienced symptoms during the early stages of pregnancy, the same also holds true for the third trimester.

Many women will find that the nausea that they experienced in early pregnancy will return as they approach the end of their pregnancy. Pregnancy nausea in the third trimester is actually a common occurrence and is thought to be due at least in part to the fact that the baby is now placing a great deal of pressure on the mother's stomach. This added pressure often causes not only nausea but also heartburn. There is also the opinion that the nausea in the third trimester results due to the fluctuating hormone levels of the mother.

Just like the first trimester, it is common for women to feel very fatigued during the third trimester. There are several factors that most likely contribute to this fatigue. The greater size and nutritional needs of the baby place a great demand on the mother's body. Additionally, despite being tired, many women find it difficult to sleep as they near the end of their pregnancy. The pressure the baby is now placing on the mother's bladder can mean frequent interruptions to her sleep due to the need to urinate more frequently. Many women also face the problem of not being able to find a comfortable sleeping position because of their increased size.

Another symptom that can occur because of the baby's larger size is shortness of breath. As the fetus grows, there will be added pressure placed on the woman's diaphragm; this can then cause the mother to have some difficulty with breathing. Additionally the baby's larger size can also begin to affect the woman's posture, which can contribute to the back pain often experienced in the last months of pregnancy.

A condition known as edema frequently affects women in the last months of their pregnancy. Edema is caused by fluid retention and it results in a mild swelling of the feet and hands. While edema is not a concern for alarm, it should be monitored carefully to make sure that the swelling does not become marked; pronounced swelling could be indicative of the serious condition known as preeclampsia. Preeclampsia is defined as pregnancy-induced hypertension and it can place a serious risk on both mother and child. It requires the immediate attention of the woman's health care provider.

During the last trimester of pregnancy it is common for the woman to start feeling occasional, mild contractions. Some women will actually experience these contractions as early as 20 weeks. These contractions are referred to as Braxton Hicks contractions. Braxton Hicks contractions are not a problem; however, if the contractions should become more regular and increase in strength, it is advisable for the mother to contact her doctor.

Some of the other side effects caused by the rapid growth of the fetus in the third trimester include spider and varicose veins, constipation, diarrhea and leg cramps. These symptoms are also a normal part of the last months of pregnancy for many women; while they can result in discomfort for the expectant mother, they are not a cause for alarm. Nevertheless, if at any time the expectant mother has either concerns or uncertainty about any symptom that she is experiencing, it is always best to consult with her health care provider.

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Congratulations! You're having a baby. This is the most wonderful time of your life. Soon you will have a new child to love and take care of. Nothing beats this feeling, believe me.

Pregnancy is indeed a wonderful time, but it is also a risky time. You have a responsibility not only to yourself but also to the growing child inside of you. One of the unwholesome aspects of pregnancy is weight gain. It is only natural that you gain weight during your pregnancy; after all, you have a living baby inside of you. But gaining too much or too little can be dangerous to your health or the health of your baby. It can also leave you overweight after delivery.

How much should you gain during your pregnancy and what makes up a healthy weight gain?

Your overall weight gain is made of these elements:

1. Your baby - 6 - 8 pounds.

2. Your breast tissue - 1 pound

3. Fat deposits for breastfeeding - 7 pounds

4. Placenta - 1 pound

5. Amniotic fluid - 2 pounds

6. More Blood - 3 pounds

7. Uterus - 2 pounds

8. More fluids - 3 pounds

Overall, you should gain around 25 pounds all together. This isn't the same for every woman, of course. If you were overweight before your pregnancy, you should gain around 15 pounds, while women who were not overweight should gain 25-32 pounds.

If you are carrying more than one baby, your weight will increase by more than the figures I had written above.

You should take care of your diet throughout your pregnancy and also engage in safe exercise. Taking care of yourself is also taking care of your baby. Good luck.

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A maternity nurse job is one of the most highly-paid nurse jobs around. The reason for this is the twenty-four hour workday. Maternity nurses are nurses dedicated to provide primary care and assistance, in every possible aspect, to mothers who have recently given birth and to their newborn babies as well. Apparently, such a responsibility requires them to stay with the mother and the baby at all times and all throughout the term of their service. Mostly, the service is up until the mother has fully recovered and is already able to take care of her baby completely. The duration can change based on the mother's specific condition. Some mothers may recover faster from childbirth, and some may be exhausted for longer periods. Mothers who have undergone caesarean operation also need more time to recover, and in such cases, maternity nurses play a very important role.

Maternity nurse jobs comprise a totally different area of discipline. It is not about caring for the sick. The needs of new mothers and newborn babies are different. Most of the time, maternity nurses are usually experienced nannies or registered nurses. Although it is not always considered as an area of specialization, maternity nurses require different knowledge and skills than that of practice nurses or clinical nurses. Maternity nurses are also required to invest more dedication and commitment to their charges. This is because they will be required to stay with their patients twenty-four hours a day. This is not typically required from other forms of nurse jobs.

But of course, the higher level of commitment that is required from maternity nurses is balanced with the right amount of compensation. Maternity nurses are highly paid. The compensation for being a maternity nurse depends on her level. Maternity nurses usually go through a training period, before moving on to an experienced stage. As can be expected, the experience maternity nurses get paid more than the maternity nurses under training. However, the compensation of maternity nurses, training or experienced, are quite competitive as compared to other nurse jobs. Of course, the financial benefits can also change based on the case that a maternity nurse is handling. Some maternity nurses may be assigned to a mother who just had twins. In such cases, the maternity nurse will be paid more.

The primary responsibilities of a maternity nurse if to provide care and assistance to the new mother or the mother undergoing recovery, and to take care of the baby while the mother is unable to do so. Maternity nurse jobs involve assistance while the mother learns how to breastfeed, and knowledge when it comes to bottle-feeding, bathing, handling of the baby, and other like tasks. Maternity nurses usually stay long after the birth of the baby, especially when their charges are first-time mothers. This is because mothers are usually exhausted both mentally and physically after childbirth, and are expectedly worried about the new responsibilities of child-caring that they are now faced. Having an expert at hand will surely help a lot to ease those tired nerves and to make the mothers feel assured and at ease.

Aside from providing care, the maternity nurse is also responsible for the maintenance of the primary environment of both the mother and the baby. This entails washing and sterilizing the bottles, organizing the things that belong to the baby, and preparing meals.

Maternity nurses should also be emphatic enough to understand what the mother is going through. They should be sensitive enough to handle the mother's needs, especially during the sensitive time that follows childbirth. Maternity nurse is, in every way that you look at it, a job that calls for total dedication.

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If you are looking for money for single moms then there are plenty of grants and other federal and state sponsored programs available. These programs are usually designed with certain needs in mind such as food, housing, medical care, college, and so on. The following is a brief overview of a few of the more commonly used programs that are an excellent place to start on your search.

While school lunches are not typically expensive, every little bit of money for single mothers you can get your hands on is a help. This is why you should apply for the National School Lunch Program. This will provide your child with nutritious lunches, afternoon snacks, and fresh fruits and vegetables. Now there is even a School Breakfast Program and a Special Milk Program that will help you keep your child fed while they are at school.

If you are looking for other ways to provide food for your children you may want to look into the many government and private sponsored programs available. There are many institutions out there that are willing to give money for single moms as long as they will use it to purchase food. The Food Stamp Program is perhaps the best well known. It was developed in order to provide low income families with the food they need in order to stay healthy. Benefits are now provided on electronic debit cards which are easy to use. To apply you simply fill out your state's application form.

Another program which provides money for single mothers which you may be interested in is WIC, a USDA sponsored program for Women, Infants, and Children. WIC provides Federal grants to individual states in order to fund a whole host of programs including foods, health care, nutrition education for pregnant and postpartum women, and young children who may be at nutritional risk. To find out more about these programs and to see which ones you may qualify for, simply visit the official government Web site for WIC, GovBenefits.gov. This site will provide you with information on over 1,000 different programs that WIC has to offer.

One final program that we will look at for money for single moms is the Low Income Home Energy Assistance Program or LIHEAP. This program provides low income families with financial assistance in order to help them pay for their heating and cooling costs. In order to qualify for this one you can't have an income over $20,535 for a single income household. Each state has its own guidelines and qualifications however, so make sure you do a little research before applying. In some cases they will even pay to weatherproof your home, so make sure you don't pass up this excellent opportunity.

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What do Women Want?

...everywhere women want to be whole together
make stew, simmer all that is true
in the broth of human goodness, invite

every man, woman and child to toss in
a favored spice, a wish, a way to rebuild
our fractured world and with tomorrow
in our wombs, we will carry bowls of peace
from hearth to each table, however remote...
- 穢Perie Longo, from What do Women Want?

Women want peace, respect, self-esteem, and healthy ways to express anger. Women want to love, be loved, be heard, dance, wear red dresses, and feel safe in the world and with our families. What else do we want?

As women we may:

care a lot about what other people think
have trouble saying "no"
worry about being seen as "mean" or a "bitch" as opposed to being "nice"
try to take care of things at home and at work -try to do it all
like to connect with others
gather strength from our connection to others
find self esteem in small clothing sizes

What's good about being a woman

I'm going to talk about the challenges women face in today's world, but I want to start out by stressing how much is good about being female. The beauty of the body and mind connection and the inclination in humans to reach towards health and healing are both very apparent in women. Women's bodies are miracles of motherhood, creation, and healing. Women's minds and emotions, at their best, are paragons of empathy and compassion. As Perie Longo says in the excerpt of her poem above, women are child-bearers, healers, and peacemakers.

Our challenge is to cope with the difficulties we are born with and acquire along the way, and to find the means to strengthen mind, body, and spirit. This can be done with the support of others, through learning and developing, and through looking for ways to create fulfilling and successful lives.

What do you like about being a woman?

Do you like the permission to be emotional, peaceful, connected to the feminine, under the influence of estrogen, not under the tyranny of testosterone? How about the freedom to enjoy flowers, express yourself through clothes and jewelry, be soft, and love babies and small animals? Do you love the feminine body with hips and breasts made for having children? What about girlfriends, intimate talks, and cooking?

What do you not like about being a woman?

Do you dislike being disregarded, disempowered, disrespected, and invisible? Do you not like the idea that a woman is a "bitch" if she is just angry or grouchy? How about being discriminated against for age or marital status, or for how many children you either have or don't have? Do you dislike worrying about what other people think of you? And what about being expected to take care of household work? And how about PMS?

Women and psychotherapy

Going into psychotherapy is a way for women to understand themselves and find more empowerment, hope, and happiness. When you start therapy you will begin to tell your story to someone who has no preconceived ideas about you and who is there to support and understand you. The therapeutic process happens as you begin to feel more comfortable and safe, consider helpful changes, and find relief from shame or fear. As you talk about your thoughts, feelings, and needs, you may discover ideas or insights that can help you find new directions. As a woman in therapy with a female therapist, you can find support, connection with another woman in a helpful and self-esteem-building manner, and the experience of empathy and respect. You can understand how you may be judging yourself, and how normal many of your reactions may be.

Challenges women face in today's world

One look at the television show "Mad Men" will tell you that women's roles have come a long way in the last 50 years. There are far more opportunities and freedoms in the U.S. today. What follows are my thoughts on what the remaining challenges are for women.

How our society thinks about women and what our society expects from us

Women are supposed to be pretty, and thin, and wear make-up. If a woman has an important career, she's supposed to work out and dress well, not just to feel good, but to look the right way. Women are expected to be great mothers, lose baby weight right away, work happily outside the home or happily stay home with the baby. Women are supposed to be in couples;. Single women are encouraged to find someone and are pitied if they are alone. Older women consider surgically fixing or botoxing their faces so they won't be invisible. Women of all ages consider augmenting their breasts. Models' images are air-brushed and idealized in magazines. TV and movie stars are, for the most part, expected to be very thin and buff. This brutal Hollywood environment can be what the average woman uses to judge herself by.

Women are encouraged at times to think of life as a romantic fantasy. It's no wonder so many women feel depressed and anxious given the difference between that fantasy and reality.

In the workplace, women may be getting more promotions, but they may also feel sexually objectified when in positions of power. There is still a pay differential between men and women (women earn 23% of what men earn in the same jobs), and men still hold more positions of power than women do.

The way our minds and bodies work

If you're female, then you know the power of hormones! Men have hormones, too, but PMS, menopause, pregnancy, childbirth, postpartum depression, infertility-that's the female body at work or misfiring. And women tend to get more fibromyalgia, migraines, osteoporosis, and breast cancer than men.

Even women's brains are different from men's. Although as humans, we are more similar than different, having a women's brain leads us to communicate more effectively, notice non-verbal cues such as tone, emotion, and empathy, have more creative problem-solving awareness, tend and befriend rather than fight or flight, and have enhanced language skills.

Women and girls tend to feel shame and self-doubt, especially if they express anger, have addictions or are simply being true to themselves. Women and girls also have to contend with higher rates of sexual assault. It's staggering to think that 1 in 5 women in the US today has been sexually assaulted, and some say it is more like 1 in 3. Childhood sexual abuse is an extremely damaging event in a girl's life with many repercussions over the victim's life cycle.

Sexually, women may forgo their own pleasure in relationships with men. In lesbian relationships, women may find it hard to initiate sex because women are not socialized to be sexually aggressive.

How we grow and develop through life

As girls, we hope that we will be encouraged to feel good about our accomplishments and achievements, instead of just our looks. Although there is more emphasis nowadays on helping girls feel confident in science and math, there is still a strong gender stereotype that says boys will do better in these areas. So much more emphasis is placed on girl's and women's bodies!! I have heard repeatedly in my (therapy office about women who were told they had a weight problem growing up, only to look back in astonishment when they see pictures of themselves as children with totally normal or average-sized bodies.

Sometimes women have difficulty with the transition from one phase of life to another. This problem could be produced by an expectation to be superwoman, -work, raise kids, and conduct fulfilling relationships,-or it could be caused by basic needs left unfulfilled in childhood. This insecurity can cause some women to stay in self-destructive, abusive relationships or it can produce a tendency to "lose the self" in relationships. For women who have been emotionally, sexually, or physically abused or neglected, there can be a pattern of compromise or self-doubt in relationships that may feel "natural", rather than self-detrimental. Abused women do not tend to act out as perpetrators in adult life, although sometimes this can happen when a woman who has survived child abuse is abusive to her children. Abused women are more likely to engage in self-destructive behaviors, such as drinking and drug abuse/addiction, or choose unhealthy or abusive relationships.

As women age, changes in their looks and hormones can cause depression and anxiety. Some women worry that their lives and chances for happiness are over.

If these challenges ring true to you, please do not give up hope! Even if you are very financially challenged, and experience discrimination because of color, religion, sexual orientation, body size, or drug and alcohol addiction, there is help and hope available. Even in times of economic distress there are still services available in the community for women in need. In my years of working as a psychotherapist, I have seen many, many women blossom. If you feel isolated and disconnected, there is always a way to reach out.

Psychotherapy won't take away the difficulties women face, nor can it change what happened to you while growing up. What therapy can do is offer you a relationship with someone who cares and has your best interests at heart. It can give you a way to understand yourself and learn new coping skills. You can feel better about yourself in close relationships and in the world.

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