Medigap plans may be purchased on natural facial moisturizers a guaranteed issue basis (no health questions asked) during a six month open enrollment period when an individual first becomes eligible for Medicare. Originally, the term referred to a book remaining regularly in one place, and so it was used of the copies of the Scriptures and service books kept in a church. According to Charles Wriothesley's Chronicle (1538): the curates should provide a booke of the bible in Englishe, of the largest volume, to be a lidger in the same church for the parishioners to read on. It is an application of this original meaning that is found in the commercial usage of the term for the principal book of account in a business house, the general ledger or nominal ledger (see also bookkeeping) and also in the terms purchase ledger and sales ledger. Apart from these applications to various forms of books, the word is used for a small line immediately above or below the musical staff to contain a note such as middle C on the leger line just below the a staff with a treble clef, or an octave higher than concert A, or Hi A on the highland bagpipe, just above the staff with a treble clef. Generally, an insurance contract includes, at

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a minimum, the following elements: the parties (the insurer, the insured, the beneficiaries), the premium, the period of coverage, the particular loss event covered, the amount of coverage (i.e., the amount to be paid to the insured or beneficiary in the event of a loss), and exclusions (events not covered)