random points

• co-teacher = kaguro
• unique selling proposition/point (USP) = "product features or benefits that cannot be claimed by the competitors" (www.channelventures.com)
• Vera files = www.verafiles.org
• underinsured = term describing people who have insurance but are still considered financially vulnerable to high health expenses because of the limitations of their insurance plans (New York Times)
• "Bawal ang tamad, mas lalong bawal ang tanga!" = motto ni Dick Gordon sa Olongapo na gusto n'yang palaganapin sa buong bansa
• partisan armed groups = PAG