1. Aft&
er
2011 Installation Management Symposium
Creative and Visual Design Breakout Session
I
Presenter: Veronica Moore
Senior Visual Information Specialist
2. ?
? ?
hic
Introduction
ap Agenda
De ?
Tips
?
Design Style
Gr
Process
sig
Inspiration
Before and After Case Study
AFC Campaign
n
Oversized Material
Video
3. n
“What separates a good graphic
sig designer from a great one is the ability
to touch another person’s soul
Tip
through visual contact.”
De
FR
s
O
M
M
Y
DE
SK
12. Color
Color is more than a combination it is also an emotion.
SOS campaign used the color green because it symbolizes hope and growth. It is also a soothing color.
13. Subject Number
Color 101
Typography 102
Photography 103
Layout 104
Color can be used on charts to help readability. Best use of color is as a background element.
Remember your color blind audience (top right is an example of one kind of color blindness.)
15. Vertical words lose readability.
(Can you see some other items that can be fixed on the left version? Hint: Simplify.)
U.
Lorem ipsum dolor sit amet, consectetur adipi-
scing elit. Phasellus mi augue, varius convallis
U. S. ARMY
iaculis quis, aliquet sit amet diam. Nullam
neque elit, adipiscing sed auctor.
S.
Nunc auctor condimentum lectus, ac vestibu-
lum mi blandit ac. Nulla venenatis libero et
neque fringilla cursus in eu libero. Vestibulum
ante ipsum primis in faucibus orci luctus.
A
R
M
Lorem ipsum dolor sit amet,
consectetur adipiscing elit.
Phasellus mi augue, varius
convallis iaculis quis, aliquet sit
amet diam. Nullam neque elit,
Y
adipiscing sed auctor.
16. Vertical words lose readability.
These are “words” not a hidden word puzzle
A t r i v o r
o o c g t s a
c r h d i n h
c s a e s ’ t
d c t u y, t o
r h C i i t r
n e a n t t e
i e b e d a d
g a r r e e r
17. To make a point - You can read the same words from the
previous slide below. Our eyes are trained to read across the page.
Even if the words are not spelled correctly.
Aoccdrnig to rscheearch at Cmabrigde
uinervtisy, it deosn’t mttaer waht oredr
the ltteers in a wrod are, the olny
iprmoetnt tihng is taht the frist and
lsat ltteres are at the rghit pclae. The
rset can be a tatol mses and you can
sitll raed it wouthit a porbelm. Tihs is
bcuseae we do not raed ervey lteter by
it slef but the wrod as a wlohe.
mrc-cbu.cam.ac.uk/people/matt.davis/Cmabrigde/
This doesn’t mean you can skip running a spell check.
20. We’re proud to be a part
of your network.
Family and MWR programs and services are available on the
installation, in your community and online. We're providing child
and youth services, programs for Families and recreation and
Use Photo
leisure activities - all with your interests in mind.
Visit ArmyMWR.com and find out how the
Editing
Family and MWR network of programs and
services can help you and your Family.
smartphone code
to Enhance
Do not Flip Photos of Soldiers Use Direction to
Guide the eye
21. n
sig
St
the Process
De
How do you get inspired?
yle
Video Presentation
22. “ More powerful than the obstacles
around us are the obstacles within us.
the most potent forces that kill off “
new ideas are our own limitations.
SCOTT BELSKY,
Making Ideas Happen
23. Design Inspiration
What do you use to influence your direction?
Internet: portfolios, blogs, twitter; Dictionary (what does the word mean) Books and Magazines;
Idea Box: collect samples; Smartphone: take a picture or use an app to sketch your idea;
finally get out of your comfort zone this usually will steer up new ideas
CLICK
Find your own style it’s your signature.
24. Design Process
What is the nature of the subject?
Source: Where does this thing come from who or
what delivers it?
How Delivered?
Snail Mail, personally, email, or link
Size: Physical and emotional/Larger than human
or insignificant
Weight: Also physical/emotional
Purpose: What is this piece suppose to communicate?
25. ct
“Design is a profession based on
oje conception: on helping to define an
opportunity, then develop a solution
Mg
that will fulfill it. Subsequently, design
Pr
includes the identification and management
of the team that will bring it to life,
mt
whether it is a product, communication,
event or place.”
26. Project Management
Plan - Dates
Deadlines
Approvals
Delivery
Coordinate
What’s needed to complete?
Who’s needed to complete?
29. Design Trends
Colors
Contrasting desaturated images and icons with
yellow, orange, and read text and skin tones
vintage wine, citrus yellow
ing Minim
d- draw alism
Han Glyp
Retro hish
30. Design Challenge
“ Making the simple complicated
is common place, making the
complicated awesomely simple “
that’s creativity.
SCOTT BELSKY,
Making Ideas Happen
31. ELE
� ME
NT
S ®
�
AV
AR
�
IA
BL
&
EA
NN
� UI
�
TY
�
rod � � �
PRedesign Case Study:
Aft
Protective
file �
Pro uct Life Annuity Brochure
�
� �
er
� �
� �
� � �
��
�
� �
34. this layout needed more white space, more personality and more approachable.
35. ANNUITIES C O N T R AC T F E AT U R E S
are tools designed to help people save for retirement. Earnings Enhancement Death Benefit Enhanced Spousal Continuation Benefit & Nursing Home/Terminal Illness Waiver
T H E P OW E R OF TA X - D E F E R R A L
Millions of Americans have chosen annuities to help them chart a course toward their The Earnings Enhancement Death Benefit (EEDB) will increase the value of the selected E N H A N C E D S P O U S A L C O N T I N U AT I O N B E N E F I T Variable annuity contracts issued by Protective Life Insurance Company.
long-term financial goals. An annuity is more than simply a contract issued by a life The second core benefit of an annuity is tax-deferral. Income taxes are one of the primary obstacles to death benefit by paying an additional amount based on investment earnings, if there are any. Securities offered by Investment Distributors, Inc. Both located at 2801 Highway
insurance company. It is a product uniquely designed to help meet the needs of people accumulating wealth for retirement because they reduce the efficiency of compounding and thus the rate of This additional payment may help offset expenses incurred by the beneficiary such as The Enhanced Spousal Continuation Benefit (ESCB) allows the surviving spouse who is the contract 280 South, Birmingham, AL 35223 (Attn: IPD 3-7).
saving for retirement. growth. In an annuity, earnings grow tax-deferred until they are withdrawn or distributed. At withdrawal, federal and state income taxes. beneficiary to continue the contract at the amount of the death benefit. That means if the death benefit is
all earnings will be taxed as ordinary income (and may be subject to a 10% IRS penalty tax if taken prior to age 59 ½). greater than the Contract Value, the Contract Value will be increased to the amount of the death benefit,
Annuities offer investors two core benefits: regular income payments that can last Investment Distributors, Inc. and Protective Life Insurance Company are each
If the EEDB issue date is prior to the oldest owner’s 70th birthday, the EEDB will pay an including the EEDB if applicable.
a lifetime and tax-deferral. amount equal to 40% of total investment earnings* since the EEDB issue date based on the subsidiaries of Protective Life Corporation.
greater of the selected death benefit or Contract Value, up to a maximum of 80% of net Neither the death benefit nor the optional EEDB (if selected) is terminated by a surviving
R E G U L A R I N C O M E P AY M E N T S $400,000
Accumulation Phase Withdrawal Phase Purchase Payments. If any owner dies within 12 months of the EEDB issue date, then the spouse’s continuation of the contract. The selected death benefit and the optional EEDB Policy form numbers IPV-2074, -2075 (and state variations thereof). A flexible
Initial Investment - $50,000 $1,750 per month benefit is based on the Contract Value. (if selected) continue in force. premium deferred variable and fixed annuity contract.
The first core benefit of an annuity offers protection from outliving one’s assets. This net after tax
$340,162
benefit - the right to receive a stream of income payments for life - is called "annuitization." If the EEDB issue date is on or after the oldest owner’s 70th birthday, the EEDB will pay The ESCB is not available in MN, ND and WA. There is no additional charge for the ESCB. Additional benefits provided under endorsement and rider form numbers IPV-
Annuitization simply means converting the value of an annuity contract into a series $300,000 Tax-Deferred Investment @ 6.6% (8% assumed an amount equal to 25% of total investment earnings* since the EEDB issue date based on
return less 1.40% insurance charges)
$235,704
2051, -2052, -2057, -2058 and -2059 (and state variations thereof).
of income payments. These income payments can be guaranteed for life, no matter how After-tax surrender value of the greater of the selected death benefit or Contract Value, up to a maximum of 50% of net
long, or for a specified period of time. Other options may also be available. In addition, Tax-Deferred Investment
Purchase Payments. If any owner dies within 12 months of the EEDB issue date, then the
N U R S I N G H O M E / T E R M I N A L I L L N E S S WA I V E R
the income payment amounts can be fixed and guaranteed or they can be variable - varying
Taxable Investment
8% assumed return $223,630 * For purposes of the EEDB, Product features and availability may vary by state.
$200,000 investment earnings are
benefit is based on the Contract Value.
from one payment to the next as a reflection of the performance of the sub-accounts calculated during the first
This waiver is included only in the Optional Benefit Packages and waives any applicable
36% Tax bracket
selected to support the payments. assumed throughout The EEDB is available at the time of application to owners through age 75, only for non- surrender charge if, after the first contract year, any owner enters a licensed and This sales brochure is authorized for distribution to prospective investors only
12 months after the EEDB
issue date as the current qualified contracts, and is not available in MN, ND and WA. Once selected the EEDB may qualified skilled care nursing home for 90 days or more or is diagnosed by an when preceded or accompanied by a current prospectus for the funds and for the
Fixed payments provide the security of knowing how much each payment will be, but may $100,000 not be canceled. The EEDB terminates upon any owner’s reaching age 90 or upon approved physician as having a terminal illness that will result in death in less Elements® Classic variable annuity contract. For more complete information
Contract Value minus the
or may not keep up with the effects of inflation. Variable payments, on the other hand, may Contract Value on the EEDB annuitization. While in effect the EEDB will increase the Mortality and Expense Risk than 12 months. (In Texas only, the waiver is also applicable during the first contract year.) about Elements® Classic and Protective Life Insurance Company, including all
increase or decrease depending on the performance of the underlying investments. This issue date (adjusted for Charge by 0.25%. charges and expenses, please read the prospectus. It should be read carefully
potential ability of variable payments to keep pace with inflation may be critically Purchase Payments made or
E E D B S A M P L E C A L C U L AT I O N S before you invest or send money. This policy has limitations. For costs and
important. An investor may prefer to combine fixed and variable annuitization to build an 0 5 10 15 20 25 30 5 10 15 withdrawn since that date).
complete details of coverage contact your insurance agent or Protective Life
All calculations are based on an owner age 69 or less at the time of issue, the election of an Annual Reset Death
income stream to meet his or her return expectations and risk tolerance. Year After the first 12 months
after the EEDB issue date as
Benefit, and that the owner’s death occurs more than 12 months after the EEDB issue date. Insurance Company.
the current death benefit
Scenario 1 Scenario 2
This chart is for illustrative purposes only and is not representative of any current or future investment results of the Elements® Classic variable annuity contract. minus the Contract Value on While Protective Life offers interpretations of current law as it pertains to
Actual results may be higher or lower. Purchase Payment $100,000 Purchase Payment $100,000
the EEDB issue date (adjust- annuities, the company does not give tax or legal advice. You should consult your
This chart shows a hypothetical $50,000 investment during a 30-year "accumulation phase" and a following "withdrawal phase" during which monthly ed for Purchase Payments Maximum Anniversary Value $180,000 Maximum Anniversary Value $380,000
withdrawals of $1,750 net after tax are made (the gross monthly withdrawal from the tax-deferred investment would be $2,734.38, sufficient to generate attorney or tax adviser regarding your individual situation.
made or withdrawn since
“Jazz is not $1,750 net after tax in the 36% tax bracket). This example assumes a constant 8% gross annual return for both the taxable and tax-deferred investments.
This example also assumes a 36% income tax bracket applied annually to earnings in the taxable investment and upon withdrawal in the that date). For purposes of
Account Value at Death $170,000 Account Value at Death $400,000
tax-deferred investment. The after-tax surrender value of the tax-deferred investment assumes a full surrender of the tax-deferred investment and the EEDB, net Purchase Annual Reset Death Benefit $180,000 Annual Reset Death Benefit $400,000
a game of chance. the application of a 36% income tax rate. Withdrawals of earnings from the tax-deferred investment will be subject to income tax
and may be subject to a 10% IRS penalty tax if taken prior to age 59 1/2. Early withdrawals will reduce net earnings. Payments means the Con- EEDB (40% x $80,000) $32,000 EEDB (capped at $80,000) $80,000
No one can become These numbers do not include fees for investment management or the $30 annual contract maintenance fee, which would reduce actual results. The tax-deferred
illustration includes the effects of the 1.40% mortality & expense and administrative charges applicable to the Standard Death Benefit (without the EEDB) of
tract Value on the EEDB
issue date, adjusted for
Total $212,000 Total $480,000
a virtuoso on the spur the Elements® Classic variable annuity contract. If an Optional Benefit Package and/or the EEDB is selected, the charge would be higher and the results would
be lower. The tax-deferred illustration also includes the effects of the Elements® Classic variable annuity’s declining surrender charge which applies only during
Purchase Payments made or
withdrawn since that date,
the first five contract years: 6%, 6%, 5%, 5%, 4%, 0%. Certain withdrawals are not subject to surrender charges. Scenario 3 Scenario 4
of the moment.” An annuity contract may be purchased on a non-qualified basis or for use within certain qualified retirement plans or arrangements that receive favorable tax
excluding any Purchase
Purchase Payment $100,000 Purchase Payment $100,000
Payments made within 12
~ Wanda Landowska, treatment, such as individual retirement accounts and individual retirement annuities (IRAs), pension and profit-sharing plans (including H.R. 10 Plans), and tax-
sheltered annuity plans. Many of these qualified plans, including IRAs, provide the same type of tax-deferral as provided by an annuity contract. An annuity months of the deceased Maximum Anniversary Value $120,000 Maximum Anniversary Value $95,000
Polish musician contract, however, provides a number of benefits and features not provided by such retirement plans or arrangements alone. There are costs and expenses under owner’s date of death.
Account Value at Death $90,000 Account Value at Death $90,000 These calculations are intended to be used solely as a comparison of the effects of the Earnings
a variable annuity contract related to these benefits and features.
See prospectus for more Enhancement Death Benefit. The calculations assume a single Purchase Payment, no withdrawals or
You should consult a qualified tax and/or financial adviser regarding the use of an annuity contract within a qualified plan or in connection with complete details. Annual Reset Death Benefit $120,000 Annual Reset Death Benefit $100,000 surrenders, and investment performance as depicted by the "Maximum Anniversary Value," "Account
other employee benefit plans or arrangements. You should carefully consider the benefits and features provided by a variable annuity contract Value at Death," and the "Annual Reset Death Benefit" values in each example. These calculations are
12
EEDB (40% x $20,000) $8,000 EEDB (40% x $0) $0 hypothetical only. They do not reflect past or future investment performance of any sub-account, which
4
in relation to its costs as it applies to your particular situation.
3 ELEMENTS®
classic 11 ELEMENTS®
classic
Total $128,000 Total $100,000
will fluctuate. Additional Purchase Payments and withdrawals or surrenders of Contract Value will change
the effects of the Annual Reset Death Benefit and the Earnings Enhancement Death Benefit. PLC.0108.1001 www.protective.com/annuities 10/01
Continued with the musical instrument theme yet focused on Jazz,
images of people of the target market were added, pull quotes from Jazz Musicians
to break up the text.
