Policy requires anyone signing out a student to go to the main office, and provide identification that matches a list of approved individuals, he said.

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With odds that low, maybe it is not surprising that the III is willing to go out on a limb and say that if it happened, your standard policy is likely to cover it.

FORBES: Institute: Insurance Will Cover Damage Caused by Falling Satellites

In addition to creating and refining those documents, we want to point out two specific changes to our policy, both of which will go into effect on January 28, 2013.

ENGADGET: Foursquare to display full user names, share more data with local businesses

In its 2012 study "State Film Studies: Not Much Bang For Too Many Bucks, " the Center on Budget and Policy Priorities found that film-related jobs tend to go to out-of-staters who jet in, then leave.

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