الثلاثاء، 14 أبريل 2020

Joe Biden

Joe Biden

Joseph Robinette Biden Jr. (/ˌrɒbɪˈnɛt ˈbaɪdən/;[1] born November 20, 1942) is an American politician who served as the 47th vice president of the United States from 2009 to 2017 and represented Delaware in the U.S. Senate from 1973 to 2009. A member of the Democratic Party, Biden is the presumptive Democratic nominee for president in the 2020 election. He unsuccessfully sought the Democratic presidential nomination in 1988 and in 2008.

Biden was raised in Scranton, Pennsylvania, and New Castle County, Delaware. He studied at the University of Delaware before receiving his law degree from Syracuse University.[2] He became a lawyer in 1969 and was elected to the New Castle County Council in 1970. He was elected to the U.S. Senate from Delaware in 1972, when he became the sixth-youngest senator in American history. Biden was reelected six times and was the fourth-most senior senator when he resigned to assume the vice presidency in 2009.

As a senator, Biden was a longtime member and eventually chairman of the Foreign Relations Committee. He opposed the Gulf War in 1991 but advocated for U.S. and NATO intervention in the Bosnian War in 1994 and 1995, expanding NATO in the 1990s, and the 1999 bombing of Serbia during the Kosovo War. He argued and voted for the resolution authorizing the Iraq War in 2002 but opposed the surge of U.S. troops in 2007. He has also served as chairman of the Senate Judiciary Committee, dealing with issues related to drug policy, crime prevention, and civil liberties, as well as the contentious U.S. Supreme Court nominations of Robert Bork and Clarence Thomas. Biden led the efforts to pass the Violent Crime Control and Law Enforcement Act and the Violence Against Women Act.

In 2008, Biden was the running mate of Democratic presidential nominee Barack Obama. He was the first Roman Catholic to serve as vice president of the United States.[3] As vice president, Biden oversaw infrastructure spending to counteract the Great Recession and helped formulate U.S. policy toward Iraq through the withdrawal of U.S. troops in 2011. His negotiations with congressional Republicans helped the Obama administration pass legislation including the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010, which resolved a taxation deadlock; the Budget Control Act of 2011, which resolved that year's debt ceiling crisis; and the American Taxpayer Relief Act of 2012, which addressed the impending fiscal cliff. Obama and Biden were reelected in 2012.

In October 2015, after months of speculation, Biden announced he would not seek the presidency in the 2016 election. In January 2017, Obama awarded Biden the Presidential Medal of Freedom with distinction.[4] After completing his second term as vice president, Biden joined the faculty of the University of Pennsylvania, where he was named the Benjamin Franklin Professor of Presidential Practice.[5] He announced his 2020 candidacy for president on April 25, 2019.[6] With the suspension of the campaign of Bernie Sanders on April 8, 2020, Biden became the presumptive Democratic nominee for the presidential election
Biden was born on November 20, 1942, at St. Mary's Hospital in Scranton, Pennsylvania,[8]:5 to Catherine Eugenia Biden (née Finnegan; July 7, 1917 – January 8, 2010)[9] and Joseph Robinette Biden Sr. (November 13, 1915 – September 2, 2002).[10] The first of four siblings in a Catholic family, he had a sister and two brothers.[8]:9 His mother was of Irish descent, with roots variously attributed to County Louth[11] and County Londonderry.[12][8]:8 His paternal grandparents, Mary Elizabeth (née Robinette) and Joseph H. Biden, an oil businessman from Baltimore, Maryland, were of English, French, and Irish descent.[13][8]:8 His paternal third great-grandfather, William Biden, was born in Sussex, England, and immigrated to the United States. His maternal great-grandfather, Edward Francis Blewitt,[14] was a member of the Pennsylvania State Senate.[15]

Biden's father was wealthy but had suffered several financial setbacks by the time his son was born. For several years, the family had to live with Biden's maternal grandparents, the Finnegans.[16] When the Scranton area fell into economic decline during the 1950s, Biden's father could not find sustained work.[17] In 1953, the Bidens moved into an apartment in Claymont, Delaware, where they lived for several years before again moving to a house in Wilmington, Delaware.[16] Joe Biden Sr. later became a successful used car salesman, maintaining the family's middle-class lifestyle.
Biden attended the Archmere Academy in Claymont,[8]:27, 32 where he was a standout halfback and wide receiver on the high school football team; he helped lead a perennially losing team to an undefeated season in his senior year.[16][19] He played on the baseball team as well.[16] Academically, he was a poor student but was considered a natural leader among the students and elected class president during his junior and senior years.[8]:40–41[20]:99 He graduated in 1961.[8]:40–41

He earned his bachelor's degree in 1965 from the University of Delaware, with a double major in history and political science,[21] graduating with a class rank of 506 out of 688.[20]:98 He impressed his classmates with his cramming abilities,[22] and played halfback for the Blue Hens freshman football team.[19] In 1964, while on spring break in the Bahamas,[23] he met and began dating Neilia Hunter, who was from an affluent background in Skaneateles, New York, and attended Syracuse University.[16][24] He told her he aimed to become a senator by the age of 30 and then president.[25] He dropped a junior-year plan to play for the varsity football team as a defensive back, enabling him to spend more time visiting her.[19][26]

He then entered Syracuse University College of Law, later saying that he found law school "the biggest bore in the world" and that he pulled many all-nighters to get by.[27][22][28] During his first year there, Biden was accused of having plagiarized five of 15 pages of a law review article. He said that it was inadvertent, because he did not know the proper rules of citation. He was given an F grade and required to retake a course. This incident was cited in 1987, when plagiarism accusations arose during his first run for president.[28][29] Biden received his Juris Doctor in 1968,[30] graduating 76th of 85 in his class.[27] He was admitted to the Delaware bar in 1969.[30]

Biden received student draft deferments during this period.[31] After completing his studies, the Selective Service System classified him as unavailable for service due to a history of asthma.[31][32]

He has had a problem with stuttering throughout his life, especially in his childhood and his early twenties,[33] and says he has helped reduce the problem by spending many hours reciting poetry in front of a mirror.[20]:99 But he continues to have problems with stuttering, and it has been suggested that this has affected his performance in Democratic debates during his 2020 campaign for the presidency.[34]

Negative impressions of drinking alcohol in the Biden and Finnegan families and in the neighborhood led Biden to be a non-drinker.[16][35]

Early political career and family life (1966–1972)
On August 27, 1966, while still a law student, Biden married Neilia Hunter.[21] They overcame her parents' initial reluctance for her to wed a Roman Catholic, and the ceremony was held in a Catholic church in Skaneateles, New York.[36] They had three children, Joseph R. "Beau" Biden III in 1969, Robert Hunter in 1970, and Naomi Christina in 1971.[21]

In 1968, Biden clerked for six months at a Wilmington law firm headed by prominent local Republican William Prickett and, as he later said, "thought of myself as a Republican".[25][37] He disliked incumbent Democratic Delaware Governor Charles L. Terry's conservative racial politics and supported a more liberal Republican, Russell W. Peterson, who defeated Terry in 1968.[25] The local Republicans tried to recruit him, but he resisted due to his distaste for Republican presidential candidate Richard Nixon, and registered as an Independent instead.[25]

In 1969, Biden resumed practicing law in Wilmington, first as a public defender and then at a firm headed by Sid Balick, a locally active Democrat.[22][25] Balick named him to the Democratic Forum, a group trying to reform and revitalize the state party,[8]:86 and Biden registered as a Democrat.[25] He also started his own firm, Biden and Walsh.[22] Corporate law, however, did not appeal to him and criminal law did not pay well.[16] He supplemented his income by managing properties.[38]

Later in 1969, Biden ran to represent the 4th district on the New Castle County Council with a liberal platform that included support for public housing in the suburban area.[22][39] He won by 2,000 votes in the usually Republican district and a bad year for Democrats in the state.[22][8]:59 Even before taking his seat, he was already talking about running for the U.S. Senate in a couple of years.[8]:59 He served on the County Council from 1970 to 1972[30] while continuing his private law practice.[40] Among issues he addressed on the council was his opposition to large highway projects that might disrupt Wilmington neighborhoods, including those related to Interstate 95.[8]:62

1972 U.S. Senate campaign
Biden's candidacy in the 1972 U.S. Senate election in Delaware presented an unusual circumstance—longtime Delaware political figure and Republican incumbent senator J. Caleb Boggs was considering retirement, which would likely have left U.S. Representative Pete du Pont and Wilmington Mayor Harry G. Haskell Jr. in a divisive primary fight. To avoid that, President Nixon helped convince Boggs to run again with full party support. No other Democrat wanted to run against Boggs.[22] Biden's campaign had almost no money and was given no chance of winning.[16] His sister Valerie Biden Owens managed his campaign (as she would his future campaigns) and other family members staffed it. The campaign relied upon handed-out newsprint position papers and meeting voters face-to-face;[41] the state's smallness and lack of a major media market made that approach feasible.[38] He did receive some help from the AFL–CIO and Democratic pollster Patrick Caddell.[22] His campaign focused on withdrawal from Vietnam; the environment; civil rights; mass transit; more equitable taxation; health care; the public's dissatisfaction with politics as usual,; and "change".[22][41] During the summer, he trailed by almost 30 percentage points,[22] but his energy level, his attractive young family, and his ability to connect with voters' emotions gave him an advantage over the ready-to-retire Boggs.[18] Biden won the November 7 election by 3,162 votes.[41]

Family deaths
On December 18, 1972, a few weeks after the election, Biden's wife and one-year-old daughter Naomi were killed in an automobile accident while Christmas shopping in Hockessin, Delaware.[21] Neilia Biden's station wagon was hit by a tractor-trailer truck as she pulled out from an intersection. Biden's sons Beau and Hunter survived the accident and were taken to the hospital in fair condition, Beau with a broken leg and other wounds, and Hunter with a minor skull fracture and other head injuries.[8]:93, 98 Doctors soon said both would make full recoveries.[8]:96 Biden considered resigning to care for them,[18] but Senate Majority Leader Mike Mansfield persuaded him not to.[42] In later years, Biden often said that the truck driver had drunk alcohol before the collision, but the driver's family has denied that claim and the police never substantiated it.[43][44][45][46]

United States Senate (1973–2009)
Recovery and remarriage
Biden was sworn into office on January 5, 1973, by secretary of the Senate Francis R. Valeo in a small chapel at the Delaware Division of the Wilmington Medical Center.[47][8]:93, 98 Beau was wheeled in with his leg still in traction; Hunter, who had already been released, was also there, as were other members of the extended family.[47][8]:93, 98 Witnesses and television cameras were also present and the event received national attention.[47][8]:93, 98

At age 30 (the minimum age required to hold the office), Biden became the sixth-youngest senator in U.S. history, and one of only 18 who took office before turning 31.[48][49] But the accident that killed his wife and daughter left him filled with both anger and religious doubt: "I liked to [walk around seedy neighborhoods] at night when I thought there was a better chance of finding a fight ... I had not known I was capable of such rage ... I felt God had played a horrible trick on me."[50] To be at home every day for his young sons,[51] Biden began commuting every day by Amtrak train 90 minutes each way from his home in the Wilmington suburbs to Washington, D.C., which he continued to do throughout his Senate career.[18] In the accident's aftermath, he had trouble focusing on work and appeared to just go through the motions of being a senator. In his memoirs, Biden notes that staffers were taking bets on how long he would last.[24][52] A single father for five years, he left standing orders that he be interrupted in the Senate at any time if his sons called.[42] In remembrance of his wife and daughter, Biden does not work on December 18, the anniversary of the accident.

Classic FM Hall of Fame 2020

Classic FM Hall of Fame 2020

The Classic FM Hall of Fame is an annual compilation of the most popular 300 classical works as polled by listeners of Classic FM through a public vote. With more than 150,000 voters, each choosing their three favourites in order of preference, Classic FM claim their Hall of Fame is the world's most comprehensive poll of classical music tastes.[1]

The chart countdown is traditionally broadcast over the Easter weekend, extended by public holidays in the UK, since the event began in 1996.

The compilation is notable for featuring a wide variety of classical works. Pieces by composers such as Elgar and Beethoven feature alongside works by contemporary composers such as Karl Jenkins and Ludovico Einaudi. Movie soundtracks by John Williams, John Barry and Ennio Morricone are also regular features of the chart. And, for the first time in 2012, the chart featured two original works from video game soundtracks.
Current top twenty
The current top twenty was revealed on 13 April 2020.[2]

1. Ralph Vaughan Williams – The Lark Ascending
2. Ludwig van Beethoven – Symphony No. 9 ('Choral')
3. Edward Elgar – Enigma Variations
4. Sergei Rachmaninoff – Piano Concerto No. 2
5. Ralph Vaughan Williams – Fantasia on a Theme by Thomas Tallis
6. Ludwig van Beethoven – Piano Concerto No. 5 ('Emperor')
7. Pyotr Ilyich Tchaikovsky – 1812 Overture
8. Pyotr Ilyich Tchaikovsky – Swan Lake
9. Wolfgang Amadeus Mozart – Requiem
10. Pyotr Ilyich Tchaikovsky – The Nutcracker
11. Wolfgang Amadeus Mozart – Clarinet Concerto
12. Ludwig van Beethoven – Moonlight Sonata
13. Edward Elgar – Cello Concerto
14. John Williams – Schindler's List
15. Ludwig van Beethoven – Symphony No. 7
16. Wolfgang Amadeus Mozart – The Magic Flute
17. Ludwig van Beethoven – Symphony No. 6 ('Pastoral')
18. Ludwig van Beethoven – Symphony No. 5
19. Gregorio Allegri – Miserere
20. George Frideric Handel – Messiah

Rick May

Rick May

Rick May (September 21, 1940 – April 13, 2020) was an American voice actor and theatrical performer, director, and teacher from Seattle, Washington. May provided the voice for Peppy in Star Fox 64 and Soldier in Team Fortress 2, among other video games.
Career
May was raised in Seattle and Canada. He served in the U.S. military and was stationed in Japan, where he coordinated USO shows in Tokyo. May returned to the Seattle area to serve as the director of the Renton Civic Theatre and Civic Light Opera in Renton, Washington.[1] In one production of the Cotton Patch Gospel in Renton, May played all 21 roles with a variety of voices.[2] He retired from the Renton Civic Theatre in 2001 to begin his own theater company in Kirkland, Washington, and become a full-time actor.[3][4]

He began voice acting in video games in the late 1990s, including roles as Peppy Star Fox 64', the narrator and Genghis Khan in Age of Empires II, and Soldier in Team Fortress 2.[5]

Roles
May performed in numerous roles throughout his theatrical career, including:[1][5]

Julius Caesar
Benjamin Franklin
Tevye
Willy Loman
Alfred P. Doolittle
Genghis Khan
Captain Hook
Scrooge
Theodore Roosevelt
Inspector Lestrade (The Further Adventures of Sherlock Holmes)
His voice-overs include:[5]

Soldier - Team Fortress 2
Peppy - Star Fox 64
Andross - Star Fox 64
Genghis Khan - Age of Empires II
Death
May suffered a stroke in February 2020 and was moved to a nursing home for rehabilitation. He died on April 13, 2020, from COVID-19 at Swedish Medical Center in Seattle

Tamara Ecclestone

Tamara Ecclestone

Tamara Ecclestone Rutland[1] (born 28 June 1984) is a British model, socialite, television personality, and the daughter of Bernie Ecclestone, the former chief executive of the Formula One Group, and Croatian model Slavica Ecclestone.
Early life
Ecclestone was born in Milan, the second daughter of Bernie Ecclestone, the former chief executive of the Formula One Group, and model Slavica Radić. She is the sister of Petra Ecclestone. She was educated at Francis Holland School in London. She speaks English, Croatian and Italian.[2]

Career
Ecclestone was the presenter of Sky Sports Italia's coverage of the 2009 Formula 1 season. She has also been involved in a range of other lifestyle and glamour productions after making her television debut in 2006 presenting the Red Bull Air Race World Championship for Channel 4. In 2011, she starred in her own reality television show Tamara Ecclestone: Billion $$$ Girl on Channel 5.[3] Ecclestone posed nude for Playboy in May 2013.[4] Tamara's World premiered in October 2017 on ITVBe.

Personal life
Ecclestone was engaged to Jonathan Ketterman in 2002. In 2013, Ketterman was found guilty of attempting to blackmail her.[5]

Ecclestone married Jay Rutland in June 2013.[6] They have one daughter.[7]

The family resides in a house in Kensington Palace Gardens in London that was purchased for £45 million in 2011

Ricky Gervais

Ricky Gervais
Ricky Dene Gervais (/dʒərˈveɪz/ jer-VAYS; born 25 June 1961) is an English comedian, actor, writer, and director. He is perhaps best known for co-creating, writing, and acting in the British television series The Office (2001–2003).[6] He has won seven BAFTA Awards, five British Comedy Awards, two Emmy Awards, three Golden Globe Awards, and the Rose d'Or twice (2006 and 2019), as well as a Screen Actors Guild Award nomination. In 2007, he was placed at No. 11 on Channel 4's 100 Greatest Stand-Ups[7] and at No. 3 on the updated 2010 list.[8] In 2010, he was named on the Time 100 list of the world's most influential people.[9]

Gervais initially worked in the music industry, attempting a career as a pop star in the 1980s as the singer of the new-wave act Seona Dancing and working as the manager of the then unknown band Suede before turning to comedy. Gervais appeared on The 11 O'Clock Show on Channel 4 between 1998 and 2000, garnering a reputation as a blunt and often controversial social critic. In 2000, he was given a Channel 4 spoof talk show, Meet Ricky Gervais. He achieved greater mainstream fame the following year with his BBC television mock documentary series The Office. It was followed by Extras in 2005. He co-wrote and co-directed both programmes with Stephen Merchant. In addition to writing and directing the shows, he played the lead roles of David Brent in The Office and Andy Millman in Extras. He starred in 2016 comedy film David Brent: Life on the Road, which he also wrote and directed.[10]

Gervais began his stand-up career in the late 1990s. He has performed five multi-national stand-up comedy tours, and he wrote the Flanimals book series. Gervais, Merchant, and Karl Pilkington created the podcast The Ricky Gervais Show, which has spawned various spin-offs starring Pilkington and produced by Gervais and Merchant.[11] Gervais has also starred in the Hollywood films Ghost Town, the Night at the Museum trilogy, For Your Consideration, and Muppets Most Wanted. He wrote, directed, and starred in The Invention of Lying and the Netflix-released Special Correspondents. He hosted the Golden Globe Awards in 2010, 2011, 2012, 2016, and again in 2020. Gervais also appears on the game show Child Support. Currently, Gervais is credited as the creator, executive producer, director, and writer for the Netflix comedy series After Life, where he plays the lead role of Tony Johnson.
Early life
Ricky Dene Gervais[12] was born on 25 June 1961[13] at Battle Hospital in Reading, Berkshire.[14] He was raised in Whitley, Berkshire, along with brother Larry (born 1945), sister Marsha (born 1948), and brother Robert (born 1950).[15] His father, Lawrence Raymond "Jerry" Gervais (1919–2002), a French-Canadian from Pain Court, Ontario, emigrated to the UK whilst on foreign duty during the Second World War and worked as a labourer and hod carrier.[16] He met Gervais' English mother, Eva Sophia (née House; 1925–2000),[17] during a blackout, and they settled in Whitley. She died aged 74 of lung cancer.[18]

Gervais attended Whitley Park Infants and Junior Schools, and received his secondary education at Ashmead Comprehensive School; after a spell as a gardener at the University of Reading, he moved on to University College London (UCL) in 1980.[19][20] He intended to study biology but changed to philosophy after two weeks, and earned an upper second-class honours degree in the subject.[21] During his time at UCL, he met Jane Fallon, with whom he has been in a relationship since 1982.[22]

Career
Music
In 1983, during his final year as a student at University College London, Gervais and college friend Bill Macrae formed the new wave pop duo Seona Dancing. They were signed by London Records, which released two of their singles—"More to Lose" and "Bitter Heart". The songs failed to chart inside the UK top 75.[23] Despite not being successful in the UK, Seona Dancing did manage to score a hit in the Philippines with "More to Lose".[24] He also worked as the manager for Suede before they became successful in the 1990s.[25]

In 2013, Gervais performed a live tour as David Brent along with a band under the name "Foregone Conclusion". Gervais and the band performed songs written under the Brent character including songs such as "Equality Street" and "Free Love Freeway".[26] Gervais also produced a series of YouTube videos under the title 'Learn Guitar with David Brent', featuring acoustic guitar versions of nine songs.

In 2016, as part of the Life on Road film promotion, Gervais published the David Brent Songbook[27] containing 15 songs. These were also recorded for the album Life on the Road, under the name of David Brent and Foregone Conclusion.

Radio
Gervais worked as an assistant events manager for the University of London Union (ULU), then moved from ULU to a job as head of speech at the alternative radio station Xfm.[28] Needing an assistant, Gervais interviewed the first person whose curriculum vitae he saw. It belonged to Stephen Merchant.[29] In 1998 Gervais was made redundant when the station was taken over by the Capital Radio group.[30] Around this time he was also a regular contributor to Mary Anne Hobbs's Radio 1 show, performing vox pop interviews in unlikely locations.[31]

After the first series of The Office, Gervais and Merchant returned to Xfm in November 2001 for a Saturday radio show as conquering heroes. This was when the pair first worked with Karl Pilkington, who produced the shows and later collaborated with them on their series of podcasts.[32]

In October 2017, Gervais began hosting the weekly radio show Ricky Gervais Is Deadly Sirius on Sirius XM.[33]

Podcast
See also: The Ricky Gervais Show and List of The Ricky Gervais Show episodes
On 5 December 2005, Guardian Unlimited began offering free weekly podcasts, including The Ricky Gervais Show featuring Gervais, Merchant, and Karl Pilkington.[34] Throughout January and February 2006 the podcast was consistently ranked the number-one podcast in the world; it appeared in the 2007 Guinness World Record for the world's most-downloaded podcast, having gained an average of 261,670 downloads per episode during its first month.[35] Two more series—each with six podcasts—were released between February and September 2006.

In late 2006, three more free podcasts were released. Together called "The Podfather Trilogy", they debuted individually at Halloween, Thanksgiving and Christmas.[36] These three were known by Gervais and Merchant as "The Fourth Season". In October 2007 another free full-length podcast was released through iTunes; this podcast was originally given out for free during a performance of Gervais's Fame stand-up tour in London. On 25 November 2007 Gervais, Merchant and Pilkington released another free full-length podcast, which lasted just over an hour.

In August 2008, Gervais, Merchant and Pilkington recorded their fifth season of audiobooks, totaling 4 chapters, which were released on 16 September 2008. These audiobooks were described as the 'guide to...' series, covering several topics. As of May 2011, there are 12 "Guides" in total: Medicine, Natural History, Arts, Philosophy, The English, Society, Law & Order, The Future, The Human Body, The Earth, The World Cup 2010, and Comic Relief.[37] The conversations typically begin on topic, but constantly stray away from the topic at hand.

Television
Early television appearances
Gervais has contributed to the BAFTA-winning The Sketch Show (ITV), penning several sketches. His mainstream-TV on-screen debut came in September 1998 as part of Channel 4's Comedy Lab series of pilots. His one-off show Golden Years focused on a David Bowie-obsessed character called Clive Meadows.[38]

Gervais then came to much wider national attention with an obnoxious, cutting persona featured in a topical slot that replaced Ali G's segments on the satirical Channel 4 comedy programme The 11 O'Clock Show in early 1999, in which his character used as many expletives as was possible and produced an inordinate amount of politically incorrect statements. Among the other regular featured comedians on the show was Mackenzie Crook, later a co-star of The Office. Two years later, Gervais went on to present his own comedy chat show for Channel 4 called Meet Ricky Gervais. It was poorly received and has since been mocked by Gervais himself.

Throughout this time, Gervais also wrote for the BBC sketch show Bruiser and The Jim Tavare Show.[39]

The Office
The Office started when Stephen Merchant, while on a BBC production course, had to make his own short film. In August 1999 he made a docu-soap parody, set in an office, with help from Ash Atalla, who was shown a 7-minute video called 'The Seedy Boss'. Thus David Brent was created. Merchant passed this tape on to the BBC's Head of Entertainment Paul Jackson at the Edinburgh Fringe, who then passed it on to Head of Comedy Jon Plowman, who eventually commissioned a full-pilot script from Merchant and Gervais.[40]

The first six-episode series of The Office aired in the UK in July and August 2001 to little fanfare or attention.[41] Word-of-mouth, repeats, and DVDs helped spread the word, building up momentum and anticipation for the second series, also comprising six episodes.[42] Following the success of The Office's second series, Gervais was named the most powerful person in TV comedy by Radio Times.[43]

In 2004, The Office won the Golden Globe Award for Best Television Series – Musical or Comedy as well as Best Actor – Television Series Musical or Comedy for Gervais, who said in a 2015 BBC interview that the award was the gateway to America for him.[44]

The Office brand has since been remade for audiences in Sweden, France, Germany, Quebec, Brazil, and the United States.[45] Gervais and Merchant are producers of the American version, and they also co-wrote the episode "The Convict" for the show's third season.[46] Gervais has said that the episode "Training" is his favourite, where Brent plays his guitar and sings.

Extras
Extras had its debut on the BBC on 21 July 2005; directed by Ricky Gervais and Stephen Merchant, the sitcom ran for twelve episodes and starred Gervais as Andy Millman, a background artist. Millman is more self-aware and intentionally humorous than Gervais's The Office character David Brent. Guest stars on the first series of Extras include Ross Kemp, Les Dennis, Patrick Stewart, Vinnie Jones, Samuel L. Jackson, Ben Stiller, Kate Winslet and Francesca Martinez. A second series began on 14 September 2006 in the UK and featured appearances by Daniel Radcliffe, Dame Diana Rigg, Orlando Bloom, Sir Ian McKellen, Chris Martin, Keith Chegwin, Robert Lindsay, Warwick Davis, Ronnie Corbett, Stephen Fry, Richard Briers, Patricia Potter, Sophia Myles, Moira Stuart, David Bowie, Robert De Niro and Jonathan Ross.
A Christmas special of Extras aired on 27 December 2007 in the UK and on 16 December 2007 in the US, featuring guest appearances by George Michael, Clive Owen, Gordon Ramsay, Jonathan Ross, and David Tennant.

Gervais was influenced by Curb Your Enthusiasm, in making Extras, particularly in the format of celebrities making fools of themselves or subverting their public personas.[48]

In 2007, Gervais won the Primetime Emmy Award for Outstanding Lead Actor in a Comedy Series for his portrayal of Andy Millman in the second series of Extras. As Gervais was not present at the awards ceremony, the trophy was accepted on his behalf by Steve Carell, the actor who starred as regional manager Michael Scott—the counterpart to Gervais's David Brent—on the American adaptation of The Office.[49]

The Guardian's Chris Tryhorn explained the "few gripes" he had with Extras, "particularly in the second series". "You can forgive Gervais a certain arrogance after the success of The Office, but..." He remarks on the confused tone of the series, taking in the clash between the broad comedy of characters Barry (Shaun Williamson) and Darren (Stephen Merchant), and the apparent parody of this style with When The Whistle Blows, and "given their total indulgence of Gervais, the BBC is portrayed as interfering, its comedy department run by a rather crudely stereotyped gay couple".[50]

The Ricky Gervais Show
The Ricky Gervais Show is an animated TV show that debuted on US cable network HBO on 19 February 2010.[51][52] In the UK, the first series began airing on 23 April 2010 on Channel 4. The show was developed using original podcast recordings from The Ricky Gervais Show starring Gervais, Stephen Merchant, and Karl Pilkington. After receiving a loyal and enthusiastic following in the US, cable channel HBO recommissioned the show for a second series, which aired in 2011,[53] and a third series which started airing in April 2012.

Life's Too Short
Life's Too Short began airing on BBC Two on 10 November 2011.[54][55] Gervais and Stephen Merchant would write this observational sitcom from an idea by Warwick Davis. It is described by Gervais as being about "the life of a showbiz dwarf" and as "a cross between Extras and The Office". The show stars actor Davis playing a fictionalised version of himself, as well as Gervais and Merchant.[56] Premium cable channel HBO, who co-produced the series with the BBC, had the US rights and began airing the series on 19 February 2012.[57][58]

An Idiot Abroad
An Idiot Abroad is a travel documentary produced by Gervais and Merchant where a reluctant Pilkington travels around the world, with his reactions to people and places recorded. Occasionally, Gervais and Merchant call to surprise him with a new place to visit or task to do. Pilkington reports back mostly complaining about the situation. Gervais says there is no planning, a camera crew follows his friend around filming for many hours - which Gervais edits down to an hour each episode.[59]

Two series and a Christmas special have aired; series one involves Pilkington visiting the Seven Wonders of the World. In the second show he chooses to complete tasks from a bucket list provided by Gervais and in the special Warwick Davis joins Pilkington on a journey following Marco Polo's route from Italy to China.


يوسف الشريف

يوسف الشريف

يوسف الشريف (من مواليد 14 سبتمبر 1978- )، ممثل مصري.
عن حياته
هو خريج كلية الهندسة بجامعة عين شمس قسم ميكانيكا دفعة عام 2002. كانت بدايته من خلال فيلم سبع ورقات كوتشينة مع الفنانة روبي وهذا الفيلم الذي اختار خلاله اسمه الفني الحالي، ثم شارك في فيلم فتح عينيك في دور ضابط مع مصطفى شعبان، وفيلم آخر الدنيا مع النجمة نيللي كريم وأخيراً فيلم هي فوضى؟ وهو آخر أعمال المخرج الراحل يوسف شاهين، كما حصل على أول بطولة له في فيلمه العالمي الذي حقق فيه نجاحاً كبيراً ومثل دور مالك لاعب كرة القدم الذي يحلم بالاحتراف. كما أنه شارك بمسلسل السندريلا مع منى زكي بدور علي بدرخان، كما شارك في مسلسل ليالي مع الفنانة زينة. وما لا يعرفه الكثير عن الفنان يوسف الشريف أنه شاب رياضي جداً منذ أن كان طفلاً وهو لاعب كاراتيه ماهر وأشترك في بطولات خارجية بتونس والمجر ولعب كرة القدم في النادي الأهلي كما أنه لاعب كرة طائرة.

حياته الأسرية
متزوج من المذيعة إنجي علاء ولهما من الأبناء عبدالله وعبدالرحمن.

شركات تأمين السيارات

شركات تأمين السيارات

التأمين أو نِظَامُ التأمين أو الضَّمَان هو وسيلةٌ لِمُواجهة المخاطر التي يتعرَّض لها الإنسان في كيانه أو أمواله أثناء فترة حياته في سبيل التخفيف من وطأتها. جوهرُ هذه الوسيلة هو التعاون الذي يتحقق باشتراك الأشخاص المُعرَّضين لِذات الخطر في مُواجهة الآثار التي تنجم عن تحقيقه بالنسبة لِبعضهم، وذلك بدفع كل منهم لاشتراك أو لقسطٍ، وتُجمَّع المبالغ المُتحصِّلة ثُمَّ تُوزَّع على من تحلُّ بهم الكارثة. وبهذا تُحقق آثار الكارثة على المُشتركين في تحقيق هذا التعاون. فالتأمين هو واقعٌ عمليّ، وهو من أفضل الوسائل التي تُمكِّنُ الإنسان من التخفيف من آثار الكوارث، سواء وقعت هذه الكوارث بفعل الشخص نفسه، بتقصيرٍ منهُ أو بإهماله، أو بِفعل الغير. وهو وسيلةُ الأمان التي تتفق وروح العصر الحديث الذي كثُرت فيه مُتطلبات الحياة وازداد فيه خطر الآلة وأصبحت مخاطر التطوّر فيه واضحة.

كانت فعاليَّة التأمين، باعتباره الوسيلة الحديثة لِمُواجهة المخاطر وما تُرتبهُ من آثار، هي السبب الأبرز الذي أدَّى إلى ازدهاره، وتنوُّع مجالاته، وتطوُّره، وامتداده إلى المجالات المُختلفة، ليُؤمن الأفراد من كُلِّ خطرٍ يتعرَّضون له سواء في أموالهم أو أشخاصهم. وفعاليَّة التأمين أيضًا أدَّت إلى قيام بعض الدُول بِفرض بعض أنواعه ضمانًا لِحُصول بعضُ فئات الشعب على تعويضٍ عن وُقوع حادثٍ مُعيَّن.

ونظامُ التأمين يفترض وُجود أداة قانونيَّة تُنظِّم علاقة المُؤمِّن بالمُؤمَّن لهم، هي عقدُ التأمين. غير أنَّ التأمين لا يقتصر على هذا الجانب، فالتأمين بالإضافة إلى ذلك عمليَّة فنيَّة تستعين فيها شركاتُ التأمين بوسائل فنيَّة حتَّى تتمكَّن من تحقيق أهدافها في تغطية ما يقع من مخاطر، فهي تستعمل العناصر الفنيَّة اللَّازمة لِإدارة عمليَّات التأمين، كالقواعد المُستمدَّة من علم الإحصاء ونِظام المُقاصَّة بين المخاطر وتطبيق قانون الكِثرة، إضافةً إلى قواعد الإدارة الماليَّة. وبذلك تتمكَّن من تحقيق هدف تغطية المخاطر التي تُحيق بالمُؤمَّن لهم، وفي ذات الوقت يتمكَّن المُؤمِّن -شركة التأمين- من إدارة مشروع التأمين بما يُحقق أغراضه الاستثماريَّة، لِيُجني بعض الربح ويُساهم في تحقيق أغراض الاقتصاد القومي.
تعريف التأمين
في اللُغة
«التَّأْمِيْنُ» لُغةً من «أَمَّنَ»، والأمن ضدَّ الخوف، وهو يعني: سُكونُ القلب واطمئنانه وثقته. قيل: «وَأَصْلُ الأَمْنِ طَمَأْنِيْنَةُ النَّفْسِ وَزَوَالُ الخَوْفِ، وَالأَمْنُ وَالأَمَانَةُ وَالأَمَانُ فِي الأَصْلِ مَصَادِر، وَيُجْجَلُ الأَمَانُ تَارَةً اسْمًا لِلْحَالَةِ الَتِي يَكُونُ عَلَيْهَا الإِنْسَانُ فِي الأَمْنِ، وَتَارَةً اسْمًا لِمَا يُؤَمَّنُ عَلَيْهِ الإِنْسَانُ». وهو يُجمعُ على تَأْمِيْنَات.

التعريفات الفقهيَّة
تعدَّدت التعريفات الفقهيَّة للتأمين واختلفت فيما بينها. ويرجع ذلك بصفةٍ أساسيَّةٍ إلى أنَّ التأمين ينطوي على جانبين، الجانب الأوَّل قانوني، والآخر فني. فمن الفُقهاء من ركَّز على الجانب الأوَّل مُبرزًا أداة التأمين القانونيَّة، أي عقد التأمين، ومنهم من ركَّز على الجانب الفني للتأمين على حساب جانبه القانوني. فيما يذهب جمهور الفُقهاء إلى أنَّ التعريف الدقيق للتأمين يجب أن يتعرَّض لِجانبيه القانوني والفني، وإلَّا كان تعريفًا ناقصًا. والجانب القانوني للتأمين يتمثَّل في العلاقة بين المُؤمِّن والمُؤمَّن له، والتي تنشأ عن عقد التأمين الذي يربط بينهما. وهذه العلاقة تفترض أنَّ هُناك خطرًا، أو حادثًا، يُخشى وُقوعه للمُؤمَّن لهُ. فيسعى هذا الأخير لِتأمين نفسه من هذا الخطر، أو الحادث، وذلك عن طريق التعاقد مع المُؤمّن. وهو عادةً شركة التأمين. الذي يلتزم بتغطية هذا الخطر عند وقوعه، مقابل قسطٍ مُعيَّنٍ يلتزم بِدفعه المؤمَّن له. أمَّا الجانب الفني للتأمين، فيتجاوز تلك العلاقة الفرديَّة، ويتمثَّل في الأُسس الفنيَّة التي يستند إليها المُؤمّن في تغطية الخطر. ذلك أنَّ المُؤمِّن عند قيامه بتغطية الخطر المُؤمَّن منهُ لا يقبل ذلك على وجه المُضاربة، وإلَّا أصبح التأمين عمليَّة مُقامرة أو مُراهنة، وكان عقدًا غير مشروع، وإنَّما تقوم شركة التأمين بالتعاقد مع عددٍ كبيرٍ من المُؤمَّن لهم وتتقاضى من كُلٍّ منهم قسطًا مُعينًا بحيثُ أنَّهُ عند تحقق الخطر لِأحدهم، تقوم الشركة بِتعويضه بمجموعة الأقساط التي تتقاضاها من سائر المُؤمَّن لهم. وتقوم الشركة عند تحديد القسط الواجب على المُؤمَّن له دفعه بالاستعانة بِقوانين الإحصاء، بحيثُ يُمكنُ تحديده بدقَّة على نحوٍ لا يُعرِّضها للخِسارة أو لِخطرٍ جسيمٍ. ومُؤدّى ذلك أنَّ عمليَّة التأمين تقومُ على تعاون المُؤمَّن لهم لِمُواجهة الأخطار التي يتعرضون لها، ويكون دورُ المُؤمِّن إدارة هذا التعاون وتنظيمه، استنادًا إلى الأُسس الفنيَّة وقوانين الإحصاء. ومن هُنا يُمكنُ مُلاحظة ما يؤخذ على الكثير من التعريفات الفقهيَّة للتأمين.

عرَّف الفقيه الفرنسي مارسيل فرديناند پلانيول التأمين بأنَّهُ «عقدٌ يتعهَّد بِمُقتضاهُ شخصٌ يُسمّى المُؤمِّن أن يُعوِّض شخصًا آخر يُسمَّى المُؤمَّن لهُ عن خسارةٍ احتماليَّةٍ يتعرَّضُ لها هذا الأخير، مُقابل مبلغٍ من النُقود هو القسط الذي يقوم المُؤمّن له بدفعه إلى المُؤمِّن». وذهب جانبٌ من الفقه المصري في تعريف التأمين بأنَّهُ «عقدٌ يأخُذُ فيهِ المُؤمِّن على عاتقهِ طائفة مُعيَّنة من الأخطار، يخشى العاقدان وُقوعها، ويرغب المُستأمن ألَّا يتحمَّلها مُنفردًا، في مُقابل جعل يُسمّى قسط التأمين أو الاشتراك يدفعهُ المُستأمن». وقد أُخذ على هذين التعريفين وما شابههما، النظر إلى التأمين من ناحيته القانونيَّة فقط باعتباره عقدًا يتمُّ بين شخصين هُما المُؤمِّن والمُؤمَّن لهُ، وإغفاله الناحية الفنيَّة للتأمين والأُسس الفنيَّة التي تقوم عليها عمليَّة التأمين، وعدم إبرازه لفكرة التعاون بين المُؤمَّن لهم. كما أُخذ على هذا التعريف أيضًا أنَّهُ ليس تعريفًا جامعًا، فهو يُقيِّمُ التأمين على أساس أنَّهُ يؤدّي إلى تعويض المُؤمَّن لهُ عن خسارةٍ احتماليَّةٍ، فهذا الوصف لا يصدق إلَّا على التأمين من الأضرار، كالتأمين ضدَّ الحريق أو ضدَّ السرقة.

وأراد بعض الفقهاء وضع تعريفٍ للتأمين يجمع بين جانبيه الفني والقانوني، فعرَّفوه بأنَّهُ: «عمليَّة فنيَّة تُزاولها هيئاتٌ مُنظمةٌ مُهمتها جمع أكبر عددٍ مُمكن من المخاطر المُتشابهة، وتحمُّل تبعتها عن طريق المُقاصة وفقًا لِقوانين الإحصاء، ومن مُقتضى ذلك حُصول المُستأمن أو من يُعينه، حال تحقق الخطر المُؤمَّن منه، على عوضٍ ماليٍّ يدفعهُ المُؤمِّن في مُقابل وفاء الأوَّل الأقساط المُتفق عليها في وثيقة التأمين». وأُخذ على هذا التعريف أنَّهُ اهتمَّ بإبراز الجانب الفني لِفكرة التأمين أكثر من اهتمامه بالجانب القانوني لِهذه الفكرة، كما أُخذ عليه أيضًا النقصُ في بعض الإيجاز. وفي مُحاولةٍ لِإبراز جانبيّ التأمين، الفني والقانوني، على قدم المُساواة، اتَّجه بعضُ الفُقهاء الفرنسيين إلى وضع تعريفٍ قانونيٍّ للتأمين يليه التعريف الفني لِهذه العمليَّة. حيثُ يرى هؤلاء الفُقهاء أنَّ التعريف القانوني لِعقد التأمين يُصبح لا معنى لهُ ما لم يُكمَّل بتعريفٍ فنيٍّ لِعمليَّة التأمين. وعلى ضوء ذلك عرَّفت الفقيهة إيڤون لامبرت فاڤر التأمين على النحو التالي:

التعريف القانوني: التأمين عقدٌ بِمُقتضاهُ يحصلُ المُستأمن على تعهّد المُؤمِّن بِأداءٍ مُعيَّن في حالة تحقق الخطر، مُقابل مبلغٍ مُعيَّنٍ يُسمّى القسط أو الاشتراك.
التعريف الفني: التأمين هو عمليَّةٌ بِمُقتضاها يتولّى المُؤمّن تنظيم التعاون بين عددٍ من المُؤمَّن لهم يتعرَّضون لِمخاطر مُعيَّنة، ويقوم بتعويض من يتحقق الخطر بالنسبة له من بينهم بفضل الرصيد المُشترك للأقساط التي يجمعها منهم.
كان للتعريف الأخير الفضل في إبراز جانبيّ عمليَّة التأمين ووضعها على ذات المُستوى من الأهميَّة، دون تغليب لِأحدهما على الآخر. ورُغم ذلك فإنَّهُ يؤخذ عليه الفصل بين جانبيّ التأمين في تعريفين مُستقلين على نحوٍ قد يوحي بأنَّ الأمر يتعلَّق بشيئين مُنفصلين، مع أنَّ الحقيقة خِلاف ذلك، فالمقصود وضع تعريف للتأمين وهو عمليَّة واحدة وإن تعددت جوانبها. لذلك فضَّل جمهور الفُقهاء وضع تعريفٍ واحدٍ للتأمين يُحيطُ في ذات الوقت بجانبيه القانوني والفني. ولذلك فقد ساد في الفُقه الفرنسي تعريف الفقيه جوزف هيمار للتأمين، حيثُ عرَّفهُ بأنَّهُ: «عمليَّةٌ يحصلُ فيها أحد الطرفين، وهو المُؤمَّن له، نظير قسطٍ يدفعهُ على تعهّد الطرف الآخر وهو المُؤمّن، بأداءٍ مُعيَّنٍ عند تحقق الخطر المُتفق عليه من الطرف الآخر، وهو المُؤمِّن، تعهُّدٍ بِمُقتضاه يدفعُ هذا الأخير أداءً مُعينًا، وذلك بأن يأخذ المُؤمَّن على عاتقه مجموعةٌ من المخاطر، ويُجري بينها المُقاصَّة طبقًا لِقوانين الإحصاء». ويؤيِّد غالبيَّة الفُقهاء في الدُول ذات النظام القانوني اللاتيني (الفرنسي) هذا التعريف.

التعريفات التشريعيَّة
يُقصدُ بالتعريف التشريعي للتأمين ذلك التعريف الذي وضعهُ المُشرعون في دولةٍ ما، لذا فهو قد يختلف شكلًا بين دولةٍ وأُخرى، دون أن يختلف جوهرًا. فالفرق بين تعريف المُشرّع المصري والمُشرّع اللُبناني للتأمين على سبيل المِثال يكمن في المُصطلحات المُستخدمة. فالمُشرِّع اللُبناني يستخدم مُصطلح «الضمان» بدلًا من «التأمين»، و«الضامن» بدلًا من «المؤمِّن»، و«المضمون» بدلًا من «المُؤمَّن لهُ». ويُراعى أنَّ السائد في القوانين العربيَّة استخدام مُصطلح التأمين، ومؤمِّن ومُؤمَّن لهُ. ومن الأمثلة على التعريفات التشريعيَّة:

تعريف القانون المصري: عرَّفت المادَّة 747 من التقنين المدني المصري التأمين بأنَّهُ: «عَقْدٌ يَلْتَزِمُ المُؤمِّنُ بِمُقتَضَاهُ أن يُؤدّيَ إلى المُؤَمَّن لَهُ أو إلى المُسْتَفِيد الذي اشتُرِطَ التَأمِينُ لِصَالِحِهِ مَبْلَغًا مِنَ المَالِ أو إيَرادًا مُرتِبًا أو أيِّ عَوَضٍ مَالِيٍّ آخَرَ في حَالَةِ وُقُوعِ الحَادِثِ أو تَحَقُقِ الخَطَرِ المُبَيَّنِ بِالعَقدِ، وَذَلِكَ في نَظِيْرِ قِسْطٍ أو أيَّةِ دَفْعَةٍ مَالِيَّةٍ أُخرَى يُؤدِّيهَا المُؤمَّن لَهُ لِلمُؤمِّن».
تعريف القانون اللُبناني: عرَّفت المادَّة 950 من قانون المُوجبات والعُقود الضَّمان بأنَّهُ: «عَقْدٌ بِمُقتَضَاهُ يَلْتَزِمُ شخْصٌ (يُقَالُ لَهُ الضَّامِن) بَعْضُ المُوجِبَاتِ عِندَ نُزُولُ بَعْضُ الطَّوَارِئ بِشَخْصِ المَضمُونِ أو بِأَمْوَالِهِ، مُقَابِلَ دَفْعِ بَدَلٍ يُسمَّى القِسْط أو الفَرِيضَة».
تعريف القانون السوري: عرَّفت المادَّة 713 من القانون المدني السوري التأمين بأنَّهُ: «عَقْدٌ يُلْزِمُ المُؤمِّنُ بِمُقتَضَاهُ وَذَلِكَ لِقاءَ قِسْطٍ أو أيِّ دَفْعَةٍ مَالِيَّةٍ أُخْرَى يُؤدِّيهَا المُؤَمَّن لَهُ لِلمُؤمِّن».
تعريف القانون الكويتي: عرَّفت المادَّة 773 من القانون المدني الكويتي التأمين بأنَّهُ: «عَقْدٌ يَلْتَزِمُ المُؤمِّنُ بِمُقتَضَاهُ أن يُؤَدِّي إلى المُؤَمَّن لَهُ أو المُسْتَفيد مَبْلَغًا مِنَ المَالِ أو إيرَاد مُرَتَبًا أو أيِّ عَوَضٍ مَالِيٍّ آخر في حالَةِ وُقُوعِ الحَادِثِ أو تَحَقُقِ الخَطَرِ المُبَيَّنِ بِالعَقْدِ وَذَلِكَ في نَظِيْرِ مُقَابِلٍ نَقْدِيٍّ يُؤدِّيهِ المُؤَمَّن لَهُ لِلمُؤمِّن».
تعريف القانون الأُردني: عرَّفت المادَّة 920 من القانون المدني الأُردني التأمين بانَّهُ: «عَقْدٌ يَلْتَزِمُ بِهِ المُؤمِّنُ أن يُؤدّيَ إلى المُؤَمَّن لَهُ، أو إلى المُسْتَفِيد الذي اشتُرِطَ التَأمِينُ لِصَالِحِهِ مَبْلَغًا مِنَ المَالِ أو إيَرادًا مُرتِبًا أو أيِّ عَوَضٍ مَالِيٍّ آخَرَ في حَالَةِ وُقُوعِ الحَادِثِ المُؤمَّن ضِدَّهُ، أو تَحَقُقِ الخَطَرِ المُبَيَّنِ بِالعَقْدِ وَذَلِكَ مُقَابِلَ مَبْلَغٍ مُحَدَّدٍ أو أَقْسَاطٍ دَوْرِيَّةٍ يُؤدِّيهَا المُؤَمَّن لَهُ إلى المُؤمِّن».
تعريف القانون الجزائري: عرَّفت المادَّة 619 من القانون المدني الجزائري التأمين بأنَّهُ: «عَقْدٌ يُلْزِمُ المُؤمِّنُ بِمُقتَضَاهُ أن يُؤدّيَ إلى المُؤَمَّن لَهُ، أو إلى المُسْتَفِيد الذي اشتُرِطَ التَأمِينُ لِصَالِحِهِ أو إيَرادًا مُرتِبًا أو أيِّ عَوَضٍ مَالِيٍّ آخَرَ في حَالَةِ وُقُوعِ الحَادِثِ أو تَحَقُقِ الخَطَرِ المُبَيَّنِ بِالعَقْدِ وَذَلِكَ مُقَابِلَ قِسْطٍ أو أيِّ دَفْعَةٍ مَالِيَّةٍ أُخْرَى يُؤدِّيهَا المُؤَمَّن لَهُ لِلمُؤمِّن».
تعريف القانون الإيراني: عرَّفت المادَّة الأولى من قانون التأمين الإيراني نظام التأمين بأنَّهُ: «عَقْدٌ يَلْتَزِمُ فِيْهِ أَحَدُ الطَرَفَيْنِ بِأن يُعَوِّضَ الخَسَائِرَ الّلاحِقَة بِالطَرَفِ الآَخَرِ أو يَدْفَعَ لَهُ مَبَالِغَ مُحَدَّدَة عِنْدَ وُقُوْعِ الأَحْدَاثِ وَذَلِكَ إِزَاءَ دَفْعِ المَبْلَغِ أو المَبَالِغَ التي يَدْفَعُهَا الطَّرَفُ الآَخَرَ. هَذَا وَيُدْعَى المُلْتَزِمُ "المُؤَمِّنُ" وَطَرَفُ الالتِزَامِ "مُؤمَّن" كَمَا يُدْعَى المَبْلَغ الذي يَدْفَعَهُ مُؤمَّن لِلمُؤَمِّنُ "قِيمَةُ التَأْمِينُ" وَيُدْعَى مَا يُؤمَّنُ "مَوْضُوْعُ التَأمِيْنُ».
التاريخ
الأشكال والأساليب الأولى
تُشيرُ الدلائل والمُكتشفات الأثريَّة إلى أنَّ بعض التُجَّار القُدماء في بابل والصين اتبعوا أشكالًا من نظام نقل أو توزيع المخاطر مُنذُ الألفيتين الثالثة والثانية قبل الميلاد. فالتُجَّار الصينيّون المُتنقلون الذين كانوا يُسافرون عبر مجاري النهر السريعة الخطيرة، كانوا يُوزعون سلعهم في سُفنٍ عديدةٍ للحد من الخسارة بحال انقلبت السفينة أو غرقت أو سُرقت. وطوَّر البابليّون نظامًا للضمان ورد ذِكره في شريعة حمورابي الشهيرة حوالي سنة 1750 ق.م، كان يُطبَّقُ في بلاد ما بين النهرين وفي بعض بُلدان حوض البحر المُتوسِّط. ووفقًا لِهذا النظام، فقد كان يحقُّ للتاجر الذي استلف مبلغًا من المال لِتمويل تجارته أن يدفع للدائن مبلغًا إضافيًّا لِقاء ضمانة الأخير أن يُلغي القرض بحال ضاعت حُمولة البضائع أو سُرقت في البحر.

وفي الألفيَّة الأولى ق.م، ابتكر أبناء جزيرة رودس نظامًا تأمينيًّا عُرف باسم «المُتوسّط العام»، بحيثُ كانت مجموعةٌ من التُجَّار تدفعُ مبلغًا من المال لِضمان شحن بضائعها في ذات الوقت في السفينة ذاتها. وكانت الأقساط المجموعة تُستخدم لِإيفاء دُيون أي تاجرٍ تضررت بضائعه، أو فُقدت أثناء الشحن، سواء أكان السبب عاصفة أم الغرق.

ابتُكرت عُقودُ التأمين الخاصَّة أو المُنفصلة (مثل بوليصات التأمين غير المُثقلة بالقُروض أو الدُيون أو أي شكلٍ آخر من أشكال العُقود) في جُمهوريَّة جنوة خِلال القرن الرَّابع عشر الميلاديّ، وأوَّلُ عقد تأمينٍ مكتوب معروف فيها يرجعُ إلى سنة 1347م. وفي القرن التالي تطوَّرت فكرة التأمين تطوُرًا ملحوظًا، وانتشرت بين تُجَّار المُدن الإيطاليَّة، واختلفت أقساطها اختلافًا حدسيًّا باختلاف المخاطر المُتوقعة. سمحت عُقودُ التأمين الحديثة هذه بفصل التأمين عن الاستثمار لأوَّل مرَّة في التاريخ، وقد أثبت هذا الفصل جدواه بدايةً بالتأمين البحري.

التأمين المُعاصر
من المُسلَّم به بين الشُرَّاح أنَّ التأمين البحري كان أوَّل صورة ظهرت للتأمين الحديث بمعناه السالِف الذِكر، وذلك في القرن الرَّابع عشر الميلاديّ إثر ازدهار التجارة البحريَّة وانتشارها بين المُدن الإيطاليَّة ودُول حوض البحر المُتوسِّط. ويرجع انتشار التأمين البحري إلى عقد القرض البحري المُسمّى «عقد المخاطر الجسيمة». وهو نوعٌ من العُقود كان ذائعًا من قبل في روما وأثينا. وبِمُقتضى هذا العقد يقترض صاحب السفينة مبلغًا من المال لِإصلاحها وتجهيزها، أو يحصل بِمُقتضاه صاحب الشحنة على مبلغٍ يوفي به ثمن البضاعة التي تتكوَّن منها الشحنة، وتكون السفينة أو شحنتها في الحالتين ضامنة لاسترداد مبلغ القرض وفوائده. ويتضمَّن هذا الاتفاق أيضًا شرطًا يقضي بأنَّهُ إذا غرقت السفينة أو أصاب شُحنتها تلف، لا يسترد المُقرض شيئًا، أمَّا إذا وصلت سالمة، التزم المُقترض بِرد مبلغ القرض مع فائدته الباهظة. غير أنَّ الكنيسة الكاثوليكيَّة اعتبرت أنَّ هذا العقد غير شرعي لِما يتضمَّنه من فوائد مُحرَّمة في العقيدة المسيحيَّة، فحرَّمت اشتراط الفائدة في جميع القُروض ومنها القرض البحري، وقد تمَّ ذلك بمُقتضى مرسومٍ من البابا گريگوري التَّاسع سنة 1234م. أدَّت فتوى الكنيسة سالِفة الذِكر إلى ظُهور نظامٍ جديد، يقترب إلى حدٍ بعيدٍ من عقد التأمين بمعناه الحالي، لِمُواجهة المخاطر البحريَّة. وقد تمثَّل هذا النظام في عقد بيعٍ مُعلَّق على شرطٍ فاسخ بِمُقتضاه يتَّفق شخص على شراء السفينة وما عليها من البضاعة بِثمنٍ يدفعهُ هذا المُشتري (المُؤمِّن) إذا لم تصل البضاعة سالمة، وهذا العقد كان يتضمَّن شرطًا فاسخًا، بِمُقتضاهُ يكونُ البيعُ مفسوخًا إذا وصلت السفينة لِميناء الوُصول، مع تعهُّد صاحب السفينة، وهو في نفس الوقت البائع والمُؤمَّن لهُ، بدفع مبلغٍ مُعيَّنٍ للمُشتري مُقابل تحمُّلهُ هذه المُخاطرة. ويرى الشُرَّاح أنَّ عناصر عقد التأمين الأساسيَّة قد وُجدت خِلال تطوُّر هذه العمليَّة، فهُناك العوض المالي الذي يجب دفعه عند وُقوع الكارثة، وهُناك القِسط وهو مُقابل تحمُّل الخطر، وكذلك الخطر المُؤمَّن منهُ.
أمَّا فيما يتعلَّق بالتأمين البرّي فقد تأخَّر ظُهوره إلى القرن السَّابع عشر الميلاديّ. ففي هذا القرن، وتحديدًا سنة 1666م، اندلع حريقٌ هائلٌ في لندن دمَّر كاتدرائيَّة القدّيس بولس الكبيرة و89 كنيسة وأكثر من 13,000 منزل. ولم توجد أي وسيلة لِتعويض الخسائر الناجمة عن هذا الحريق. وقد دفع هذا إلى ظُهور الحاجة إلى التأمين البرّي، فظهرت صورته الأولى في شكل التأمين ضدَّ الحريق، وقد أشار المُهندس السير كريستوفر رن إلى تخصيصه موقعًا «لِمكتبٍ تأميني» في مخطوطة إعادة إعمارها سنة 1667م. بعد ذلك جرت عدَّة مُحاولات لوضع نظامٍ تأمينيّ مُعين، يقي الناس من خطر الحرائق، إلَّا أنَّ أيًّا منها لم يُكتب له النجاح، ولكن في سنة 1681م أقدم الاقتصادي نِقولا باربون على تأسيس أوَّل شركة تأمين ضدَّ الحريق بالتعاون مع أحد عشر شخصًا، وأُطلق عليها تسميه «مكتب التأمين للدُور» (بالإنگليزيَّة: The Insurance Office for Houses)، وأبرم حوالي 5,000 صاحب منزل عقودًا معها. ومن إنگلترا انطلقت فكرة التأمين ضدَّ الحريق إلى كثيرٍ من البُلدان منها فرنسا، والتي تكوَّنت فيها أوَّل شركة لِتأمين مخاطر الحريق في سنة 1750م. ويُلاحظ أنَّ التأمين ضدَّ خطر الحريق كان في البداية مقصورًا على العقارات فقط دون المنقولات، ولكن تطوّر الأمر أدّى إلى شمله إيَّاها أيضًا. وشهدت نهاية القرن الثامن عشر الميلاديّ انتشار التأمين ضدَّ الحريق في البلاد الأوروپيَّة والأمريكيَّة بِكافَّة خصائصه القانونيَّة والفنيَّة المعروف بها الآن.

زياد علي

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