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In San Francisco, how steep must a sidewalk be before steps are added?

I like this question, it made me do a little sleuthing.I'm from Minneapolis, but I enjoy San Francisco. I went there with my family when I was 16. My dad is a land surveyor, so you can't look at something like Lombard street and not have these questions come up.I called him up on the phone last night, and he told me that the main regulator for these things is the Americans with Disabilities Act[1]. This act set standards for public access across the country, and each state has their own codes, but they're all pretty similar.Time to hit the Google. I'm not a stranger to searching through codes and ordinances, so I found it rather quick. A stop at the City & County of San Francisco website, detoured through the Office of Small Business section[2], I found Title 24 of the California Codes and Regulations[3]. Went to the full text[4] and searched through the Compliance Reference Manual[5], and searched for "sidewalk" until I found what I needed.Bingo!SECTION 1113A WALKS AND SIDEWALKS ON AN ACCESSIBLE ROUTE1113A.2 Walks with continuous gradients. All walks on an accessible route with continuous gradients shall have level areas at least 60 inches (1524 mm) in length at intervals of at least every 400 feet (122 m).1113A.3 Five percent gradient. When the slope in the direction of travel of any walk on an accessible route exceeds 1 unit vertical in 20 units horizontal (5-percent slope), it shall comply with the ramp provisions of Section 1114A.In short, 5% is the ADA standard. But come ON. We've been to San Francisco, anyone who's been on a walk knows they've hiked up more than 5% grade. I asked my dad about this, and his educated (but still top of the head) response was that anything built before the ADA standards was probably grandfathered in, or that special exceptions were made for specific routes as long as an alternative accessible route is available. That's probably not as concrete an answer as we'd hoped, but it's a pretty good foundation to start asking further questions.Bonus story: A highschool friend lived on a hill near a lake in Minnetonka MN on a road that was privately owned. I asked my father why it was a private road and he said he had actually surveyed that road. The grade was too steep for the city to legally create it, so all of the residents formed a corporation to privately own the road. So I suppose if it's private property, you can get around certain regulations I guess. There might be some similar loopholes for some of the crazier hills in San Francisco.Update: While this answer is getting upvoted, I still don't personally believe it answers the question. I don't know what the ADA regulations are for stairs, particularly stairs on public walkways. I hope people don't stop researching this question, perhaps someone from San Fran with some actual knowledge on the subject. My research was armchair at best.[1] http://www.ada.gov/[2] http://sfgsa.org/index.aspx?page=4207[3] http://www.disabilityaccessinfo.ca.gov/lawsregs.htm#physical_access_laws[4] http://www.dgs.ca.gov/dsa/Programs/progAccess/accessmanual.aspx[5] http://www.documents.dgs.ca.gov/dsa/pubs/regulations_rev_02-15-11.pdf

Why have PolicyBazaar’s losses shot up by over 21X in FY19?

According to IBEF, insurance penetration in India is as low as 4%. The central government had increased the foreign direct investment (FDI) limit in the insurance sector from 26% to 49% under the automatic route, which will further help attract investments in the sector. However, currently, only 3% of all insurance is bought online in India in an $80 Bn market.With players such as PolicyBazaar, Coverfox, Acko etc, the insurance industry is ripe for disruption and a technology upgrade. According to DataLabs by Inc42, between 2015 and Q1 2019, the total investment in Indian fintech startups was $7.62 Bn with a total deal count of 478. Out of the total funding, insurance tech contributed 8.03% ($612 Mn).Delhi-NCR headquartered online insurance aggregator PolicyBazaar earlier claimed to have over 100 Mn visitors yearly and record sales of nearly 300K transactions a month. Backed by investors such as SoftBank, Tencent and others, it has raised $364 Mn till date.Operated by ETechAces Marketing and Consulting, PolicyBazaar has two sister companies in PaisaBazaar and DocPrime. While the former is a lending and loans marketplace, DocPrime is in the healthtech space.In its financial performance for the fiscal year ending March 2019, PolicyBazaar has disclosed drastically higher losses. In FY18, the company had reported a loss of INR 9.42 Cr, which has shot up by 21.6X to INR 213.12 Cr in FY19. The primary reason for this is the 5.5X increase in advertising and promotional expense for the year.Slow Adoption For Digital InsuranceIt is to be noted that while India’s insurtech market is growing, the addressable market base is not growing as rapidly owing to the slow adoption for digital insurance services in non-urban areas. As per a PwC survey, 35% of the respondents in India preferred getting the insurance from an agent compared to other means whereas only a mere 20% opted for online means. This indicates the fact that human interaction still plays a vital role in customer decision making when it comes to insurance.

What is the most popular frozen pizza?

Most Popular Frozen PizzaDIGIORNOBased on sales, Digiorno is the most well known frozen pizzas on the market. In 2018, Digiorno was the top selling frozen pizza brand with nearly 232 million U.S. dollars in sales. The company is currently owned by Nestle.Digiorno pizzas are so popular that 8.84 million Americans consumed 5 Digornio pizzas in the last 30 days based on a survey by Statista.Digiorno offers a variety of different types of frozen pizza crust styles such as rising crust, stuffed crust, hand-tossed style, thin crust, crispy pan, and gluten-free options. Each type of pizza comes with many topping choices like cheese, pepperoni, and supreme.RED BARONRed Baron is a popular pizza brand that first launched in 1976. The Red Baron frozen pizza brand is owned by Schwan’s Company and had $130.53 million in sales 2018.From 1979 through 2007, Red Baron Pizza was endorsed by the Red Baron Squadron, a USA civil aerobatic display team founded in 1979 at the Southwest Minnesota Regional Airport. The Red Barons were owned by Schwans Foods, and flew to promote the Red Baron pizza brand and raise money for children’s charities. In 2007, Schwans Foods decided to discontinue the Red Baron® Pizza Squadron and auctioned the planes and support equipment.Red Baron Pizza comes assortment of types such as classic, deep dish, french bread and more.TOTINO’S PARTY PIZZATotino’s is best known for their pizza rolls but that does not mean the Totino’s Party Pizza is not a favorite among frozen pizza lovers. Totinos sold $83 million pizzas to consumers in 2018.Totino’s started in 1951 as a family pizza parlor in Minneapolis, MN by Rose and Jim Totino. The company was eventually sold to Pilsbury and Rose became the first female Pillsbury corporate VP. The company is now owned by General Mills.The Totino’s frozen pizza come in a variety of delicious toppings like cheese, pepperoni, supreme and more.JACK’SJack’s frozen pizza is a well-known pizza brand that started in 1960. Jack’s is owned by Nestle and had $55.54 million in sales in 2018.Jack’s was founded in the small town of Little Chute, Wisconsin. The man who started the company, Jack, had his pizza kitchen in the family garage and delivered the pizzas using the family car, a 1949 Plymouth with one bucket seat.Today Jack’s is one of the most popular frozen pizzas on the market and offers a wide variety of toppings to choose from. Product variations include original style, rising crust and pizza fries, a product that is similar to garlic bread that customers can dip into marinara sauce. Jack’s also offers unique toppings like Chicken Supreme and Bacon Cheeseburger.Jack’s highly recommends a grilling their pizzas to cook them, rather than going to conventional route and using an oven. If you’re a newbie when it comes to grilling, check out these tips to ensure you are being safe!TOMBSTONETombstone is a popular store-bought pizza brand that was founded in 1962. The company is owned by Nestle. In 2018, Tombstone sold $55.18 million worth of frozen pizzas.Tombstone started in Medford, Wisconsin, by Pep Simek, Ron Simek, and two other individuals in 1962. The name came from The Tombstone Tap, a bar owned by the Simeks.Today Tombstone frozen pizza is now one of the most well known pizza brands in the United states. The brand offers delicious pizza styles such as Original Pepperoni, Half Pepperoni/Half Cheese, and Garlic Bread crust.FRESCHETTAFreschetta frozen pizza is a well known brand that had $34.6 million in sales in 2018. It is owned by Schwan’s Company.Freschetta emphasizes their pizza crust, that naturally rises, uses no chemical leaveners and is preservative-free. They also highlight the use of 100% real cheese, whole-vine ripened tomatoes in their sauce, and premium toppings.Their staple products include the Naturally Rising Crust and Brick Oven Crust pizzas. However, they also have Gluten-Free, Whole Grain Crust options. Toppings for their pizzas include typical options like ch.eese, pepperoni and supreme. However, they do offer unique variations such as the Naturally Rising Crust Canadian Style Bacon & Pineapple Pizza.CALIFORNIA PIZZA KITCHEN FROZEN PIZZACalifornia Pizza Kitchen (CPK) is a casual dining pizza restaurant chain, specializing in California-style pizza (that also sells frozen pizza). In 2018, California Pizza Kitchen frozen pizza had $33.81 million in sales, establishing it as one of the top selling frozen pizzas on the market.The first CPK restaurant opened in Beverly Hills in 1985. It was founded by two former federal prosecutors Rick Rosenfield and Larry Flax. The company quickly expanded by opening over 250 locations worldwide, as well as offering a frozen version of their pizzas in grocery stores.CPK frozen pizza comes in a variety of crusts including crispy thin, cauliflower, gluten free and organic. Available toppings and pizza styles include BBQ chicken, cheese, margherita, sicilian, uncured pepperoni and a white pie.TONY’S FROZEN PIZZATony’s is a popular frozen pizza brand that first launched in 1960. Tony’s frozen pizza is owned by Schwan’s Company and had $23.1 million in sales in 2018. The company started in Salina, Kansas as a small pizzeria owned by Tony Paglia and his brother-in-law Dick Barlow.Types of frozen pizza offered by Tony’s include pepperoni, cheese, supreme pizza and meat-trio. Tony’s frozen pizza is known for its light, crispy, crunchy crust.more

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