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Nmsc osa. Applicant must be recognized as a National Merit Finalist by NMSC. UT Dallas must be listed as first choice with NMSC by the NMSC stated deadline. In-State Out-of-State Scholars Scholars $48,000$134,000 $32,000 $6,000 $12,000 $101,000** $187,000**

History. National Merit Scholarship Corporation (NMSC ®) established the National Achievement ® Scholarship Program in 1964, contemporaneously with the passage of the Civil Rights Act, specifically to encourage Black American youth to continue their education. NMSC conducted the privately financed academic competition from 1965 to 2015.

The Insider Trading Activity of Garg Sarika on Markets Insider. Indices Commodities Currencies StocksIf this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent Username and Password. If you are returning to the OSA site, enter the permanent Username and ...To enter the National Merit Scholarship Program and compete for recognition and 7,880 scholarships to be offered in 2025: Take the PSAT/NMSQT in October 2023. Meet other program entry requirements. The 2023 PSAT/NMSQT is the qualifying test for entry to the 2025 program.The sun doesn't have a smell, but you can associate smells with sunshine. Learn more about whether something can smell like sunshine at HowStuffWorks. Advertisement Of course somet...Obstructive Sleep Apnea (OSA) is a common co-morbid condition in stroke patients. It represents a very important risk factor for stroke in addition to the other established ones such as hypertension, cardiovascular disease (CVD), hyperlipidemia, atrial fibrillation (AF), type 2 diabetes mellitus (T2DM), stress, smoking, and heavy drinking.

National Merit Scholarship Corporation History and Facts. National Merit Scholarship Corporation (NMSC ®) was established in 1955 — a time in which there was concern that the United States was lagging behind in the Cold War scientific race, but the public was indifferent to rewarding intellectual accomplishment.In response, the National Merit ® Scholarship Program was created to identify ...National Merit Scholarship Corporation | 1560 Sherman Avenue, Suite 200, Evanston, Illinois 60201-4897 | Phone: (847) 866-5100National Merit College sponsored award VS $2500. have not been offered any other National Merit Scholarship (corporate-sponsored, National, or another college-sponsored award). No student will receive more than one scholarship offer from NMSC. A college-sponsored Merit Scholarship award can be used only at the institution financing it and ...If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ...Reese D. Borlin. Scholar, Eagle Scout, Volunteer, Athlete—Reese D. Borlin hopes to eventually add “Park Ranger” to the list of titles he has earned so far. As a forestry major at Southern Illinois University at Carbondale, Reese focuses his studies on forest recreation and park management, often venturing outside the classroom.The National Merit Scholarship Corporation announced on Wednesday, Sept. 13, its 2024 list of semifinalist high school students who will now compete for a share of about 7,140 scholarships worth ...If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ...

Molly K. Buffington. “Receiving the National Merit Scholarship was the reason I was able to attend college, period,” Molly K. Buffington emphasizes when explaining the impact that donations to NMSC could make on the lives of hard-working students. An alumna of the University of Alabama, Molly triple majored in history, German, and Latin.please contact the Scholarship Administration department at National Merit Scholarship Corporation (NMSC ®) by phone. We are available at (847) 866-5161 Monday-Friday from 8:30 a.m.-4:30 p.m. Central Time. Use NMSC's Online Scholarship Application (OSA) to submit your National Merit Scholarship Application. Be sure toNMSC Online Scholarship Application. Welcome. If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password.If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ...

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Currently, North Mississauga SC is a proud Canada Soccer National Youth Club License holder, and offers Ontario Player Development League (OPDL) program, as well as League 1 Ontario, Grassroots Programs, Competitive (GHSL, PHDL) and recreational programs. The Club offers All Abilities (Special Needs) program, and the NMSC 5-a-side Blind Soccer ...If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent Username and Password.The STOP-BANG Score for Obstructive Sleep Apnea screens for obstructive sleep apnea.Opt. Lett. 49(11) 2978-2981 (2024) Optimizing LED array irradiance uniformity with a particle swarm optimization-based scheme: application in a parallel photoreactor. Junnan Mei and Jun Zou. Appl. Opt. 63(16) 4336-4344 (2024) Optics & Photonics News (OPN) is the society's monthly news magazine.About Us. College Board's AP Program is a collaborative community of AP teachers and students, states, districts, schools, colleges, and universities committed to the daily work of developing college-level knowledge and skills. We've been delivering excellence in education to millions of students across the country since 1955.The National Merit Scholarship Corporation Online Community uses cookies to identify you when you log in to our Web site. The registration system requires that you accept the cookies from this community Web site address so that content can be directed to you based on your profile. Once a cookie is saved on your computer, only the Web site that ...

Oakland School for the Arts is committed to providing equal opportunity for all individuals in district programs and activities. Accordingly, OSA programs and activities shall be free from discrimination, harassment, intimidation and bullying based on actual or perceived ancestry, age, color, disability, gender, gender identity, gender expression; nationality, race or ethnicity, religion, sex ...Contact National Merit Scholarship Corporation National Merit Scholarship Corporation 1560 Sherman Avenue, Suite 200 Evanston, IL 60201-4897 Phone: (847) 866-5100 Fax: (847) 866-5115 Contact s for. Online Scholarship Application Deadline. Reminder: October 10 is the deadline for high school officials and homeschool endorsers to transmit their ...The PSAT Toolkit Class of 2025 Class of 2024 Class of 2023 Class of 2022 # of 2024 STATE Estimated Range Most Likely Actual Actual Actual SemifinalistsMolly K. Buffington. “Receiving the National Merit Scholarship was the reason I was able to attend college, period,” Molly K. Buffington emphasizes when explaining the impact that donations to NMSC could make on the lives of hard-working students. An alumna of the University of Alabama, Molly triple majored in history, German, and Latin.The Office for Student Affairs takes charge of the campus life of the students, their welfare and discipline, and dormitory facilities. As such, it guides and supervises the recognized student organizations, the student councils, the COMELECs; and conducts capability-building seminars for the organization advisers. The OSA looks into all ...If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ...Gompertz law is still used to predict the odds of death. HowStuffWorks looks at the history. Advertisement Having a legacy is nice, but what if the discovery that bears your name i...“Education is the best tool we have to inspire the younger generations,” Rishiprotim Nag asserts when considering the importance of NMSC’s mission. “Receiving the National Merit Scholarship was, for me, an affirmation,” Rishiprotim says, “and a realization that I could financially afford to continue to challenge myself and learn more in an environment very …The PSAT/NMSQT (Preliminary SAT/National Merit Scholarship Qualifying Test) provides valuable testing experience and exposes students to SAT and ACT-like questions. The PSAT is a preview of the new digital SAT that debuted in March 2024, and will play a key role as students decide whether to choose the digital SAT or the paper-based ACT.Parisians are questioning city officials attempts to combat public urination with the installation of "open-air" urinals or "uritrottoirs." On your next trip to Paris, in addition ...

2020 National Merit Finalists. Today NMSC mailed Certificates of Merit to principals across the country, notifying them of the students who have advanced to Finalist standing in the 2020 National Merit Scholarship Program. Letters to Finalist s' homes will be mailed on February 10. Over 15,000 of the 16,000 Semi finalist s named in September 2019 have met all requirements to advance to ...

Rishiprotim Nag. "Education is the best tool we have to inspire the younger generations," Rishiprotim Nag asserts when considering the importance of NMSC's mission. "Receiving the National Merit Scholarship was, for me, an affirmation," Rishiprotim says, "and a realization that I could financially afford to continue to challenge ...Osa Nmsc is on Facebook. Join Facebook to connect with Osa Nmsc and others you may know. Facebook gives people the power to share and makes the world more open and connected.The SIR for NMSC was based on 280 events (with 191 basal cell carcinoma, 79 squamous cell carcinoma, and 10 unclassified), and the number of events across indications and in the RA, Ps, and CD studies was significantly greater than expected for age-specific incidence rates (Fig. 2). Although the SIR for NMSC was higher for HS and UV compared ...I’m finishing up my OSA and I’m at the part where I need to indicate a #1 college choice because college-sponsored NMSC scholarships are non-transferrable from school to school while NMSC and business sponsored ones are. You also can’t be considered for more than 1 type of NMSC scholarship. However, I was reading the instructions and it ...choice” with NMSC® by the NMSC® designated deadline. Students who previously listed “undecided” or who received a Corporate or National-sponsored award must designate USF as their “school of choice” at osa.nationalmerit.org in order to receive USF’s National Merit Awards (Benacquisto Award or Golden Achievement Award). 7Aguila de Osa, an eco lodge and hotel located in Drake Bay, Osa Peninsula. Enjoy the magic and beauty of Costa Rica's untouched nature. 1-866-924-8452 Book nowOnline Scholarship Application (OSA) Press Releases; for Sponsors. 2021-22 Annual Report; NMSC Mission Statement; NMSC Corporate Brochure; Becoming a Sponsor; for Scholars. ... National Merit Scholarship Corporation | 1560 Sherman Avenue, Suite 200, Evanston, Illinois 60201-4897 | Phone: (847) 866-5100 ...Obstructive sleep apnea (OSA) is defined as episodes of hypopnea or apnea, which leads to a partial or complete block of airways. Hypertension, on the other hand, is defined as an increase in systemic arterial blood pressure to a certain threshold. OSA and hypertension share many common factors in pathophysiology, such as gender, obesity ...Molly K. Buffington. “Receiving the National Merit Scholarship was the reason I was able to attend college, period,” Molly K. Buffington emphasizes when explaining the impact that donations to NMSC could make on the lives of hard-working students. An alumna of the University of Alabama, Molly triple majored in history, German, and Latin.Math Competition General InformationNMC (National Math Competition) Date. April 6th 2024 , SATURDAY. Starting at. 2:00 PM EST (Eastern Standard Time) 1:00 PM CST (Central Standard Time) 12:00 PM MST (Mountain Standard Time) 11:00 AM PST (Pacific Standard Time) Qualification.

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Typically, letters get sent to students who don’t advance a couple weeks ahead of when schools are sent the Certificate of Merit for finalists. I suspect the letters that are sent to students who do not advance to finalists will be mailed this week. I am curious if anyone has heard anything. ETA - In my daughter’s year, her status was confirmed by the day that the NMSC mailed a letter to ...If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ...Oakland School for the Arts is committed to providing equal opportunity for all individuals in district programs and activities. Accordingly, OSA programs and activities shall be free from discrimination, harassment, intimidation and bullying based on actual or perceived ancestry, age, color, disability, gender, gender identity, gender expression; nationality, race or …If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent Username and Password. If you are returning to the OSA site, enter the permanent Username and ...National Merit Scholarship Corporation | 1560 Sherman Avenue, Suite 200, Evanston, Illinois 60201-4897 | Phone: (847) 866-5100If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ...Risk of hepatocellular carcinoma in patients with HH is hypothesized to increase due to iron-catalyzed oxidative damage. 1, 2 Although oxidative damage has also been implicated in nonmelanoma skin cancer (NMSC) pathogenesis, its link to HH is unknown. 3, 4 We sought to assess the association between HH and NMSC and whether phlebotomy treatment ...If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent Username and Password. If you are returning to the OSA site, enter the permanent Username and ...Juan Medina Echeverria is one of the 2022-2023 inaugural NHLCC Scholars in the NHLCC Scholars mentoring program developed by the National Hispanic Latino Cardiovascular Collaborati...SEND SAT SCORE TO NMSC NMS will accept your best score through the December 31. Update or send new scores through the ollege oard at sat.collegeboard.org. 6 DESIGNATE "SCHOOL OF CHOICE" y the end of April, Finalists must designate their final "school of choice" or list "undecided" with NMS. On this deadline, the school ….

If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent Username and Password. If you are returning to the OSA site, enter the permanent Username and ...National Merit Scholarship Corporation | 1560 Sherman Avenue, Suite 200, Evanston, Illinois 60201-4897 | Phone: (847) 866-5100 The corporate "Lamp of Learning" logo and the names NMSC, National Merit, Merit Scholarship, Merit Scholar, National Achievement, Achievement Scholarship, and Achievement Scholar are federally registered service marks ...Corporation (NMSC). It serves as a practice test for the SAT Reasoning Test™ (SAT®) and provides students with an opportunity to enter NMSC scholarship competitions. More than 2.5 million students from more than 20,000 high schools take the PSAT/NMSQT each year. About half the students who take the test are in their juniorIf this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent …corporate-sponsored awards. NMSC’s professional staff will choose recipients from the pool of eligible candidates, based on an evaluation of their abilities, academic records, and accomplishments both in and out of school. NMSC will evaluate all Finalists’ application based on information provided by students and their schools,NMSC OSA is a platform for Semifinalists and Finalists of the National Merit Scholarship Program to complete their application and check their status. Learn about the program overview, requirements, deadlines, and types of scholarships offered by NMSC.If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ...If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ...please contact the Scholarship Administration department at National Merit Scholarship Corporation (NMSC ®) by phone. We are available at (847) 866-5161 Monday–Friday from 8:30 a.m.–4:30 p.m. Central Time. Use NMSC’s Online Scholarship Application (OSA) to submit your National Merit Scholarship Application. Be sure toIf this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ... Nmsc osa, development, etc.), we encourage you to download the information on the OSA web site by clicking here. Here are some of the questions we continue to receive: 1. What is LTPD? LTPD stands for Long-Term Player Development. It represents a philosophy that is much more, 2 2023 PSAT/NMSQT Student Guide Test-Taking Information Using This Guide Test-Taking Information Using This Guide Taking the PSAT/NMSQT® is a great way to find out how prepared you are for college and career. The PSAT/NMSQT is the qualifying test for entry to the National Merit® Scholarship Program (described in the second part of this guide)., On this episode, Ben Lamm talks about why Colossal is looking to bring the mammoth back to life and how it could help conservation efforts. Welcome back to Found, where we get the ..., National Merit Semifinalist Cutoffs 2023-2024. Below are the projected National Merit Semifinalist cutoffs for the class of 2024, who took the PSAT in October 2022 or January 2023. These are not final cutoffs, but are predicted based on extensive research and data. State., If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent Username and Password. If you are returning to the OSA site, enter the permanent Username and ..., Obstructive Sleep Apnoea (OSA) Jaw Cysts & Tumours; TMJ Surgery; Skin Surgery. Mole, Cyst, Skin Tag Removal; Non-Melanoma Skin Cancer Surgery (NMSC) Scar Revision; Botox & Fillers; Facial Surgery. Cheekbone Augmentation; Facial Trauma Surgery; Salivary Gland Surgery; Virtual Surgical Planning; Anaesthesia & Sedation. General Anaesthesia, Cranio-Facial Trauma Reconstruction. Richard is a London trained Specialist Oral & Maxillofacial Surgeon based in Auckland. He qualified with distinction in both Medicine & Dentistry and is a Fellow of the Royal College of Surgeons of England (FRCS). During his training Richard gained experience in neurosurgery, plastic surgery and ENT surgery ..., Our Company. NMSC was founded in 1979 when a need to provide personalized and effective dining services was recognized within the healthcare industry. Since that time NMSC has grounded itself being an industry innovator, advocate to our residents, and financial stewards to our clients., Log in to view SAT Suite of Assessments online score reports for the new SAT, t.., 7. Why doesn't the National Merit Scholarship Corporation also notify students directly that they are commended students, semi-finalists or finalists? - high school officials have consistently requested to be the first to announce and recognize their Semifinalists and Commended Students in the National Merit Scholarship Program Asra, On February 5, 2024, NMSC will mail a Certificate of Merit for each Finalist to the Finalist’s high school principal. On February 12, 2024, NMSC will mail a letter to each Finalist at their home address. A copy of the letter will also be posted. to the Finalist’s OSA dashboard. Best of luck to you. title. also, i heard that letters are ..., Sanford can be reached at [email protected]. Categories. Club (214) Competitive (210) Recreational (73) Referee (2) Uncategorized (2) Established in 1982, the North Mississauga Soccer Club is a non-profit, volunteer directed, professionally managed community club providing year-round programs to players across Mississauga and surrounding ..., please contact the Scholarship Administration department at National Merit Scholarship Corporation (NMSC ®) by phone. We are available at (847) 866-5161 Monday–Friday from 8:30 a.m.–4:30 p.m. Central Time. Use NMSC’s Online Scholarship Application (OSA) to submit your National Merit Scholarship Application. Be sure to, Why Choose OMS Specialists Near Auckland? Our Surgeons have degrees in both Medicine and Dentistry and are trained to the highest international standards in Oral Surgery and Maxillofacial Surgery. They have completed a combined 36 years of training in surgery of the Mouth, Jaw and Face and are registered specialists in Oral and Maxillofacial ..., This is the first announcement of National Merit Scholars in 2023 by the NMSC, which will name recipients of National Merit® $2500 Scholarships May 10, and winners of college-sponsored Merit ..., If you have questions about how to declare a first-choice college or the deadline for doing so, please contact the National Merit Scholarship Corporation at 847-866-5100. 4. Confirm: If you've been offered admission, congratulations! Learn more about next steps for admitted students., If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent Username and Password. If you are returning to the OSA site, enter the permanent Username and ..., Gompertz law is still used to predict the odds of death. HowStuffWorks looks at the history. Advertisement Having a legacy is nice, but what if the discovery that bears your name i..., If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ..., please contact the Scholarship Administration department at National Merit Scholarship Corporation (NMSC ®) by phone. We are available at (847) 866-5161 Monday–Friday from 8:30 a.m.–4:30 p.m. Central Time. Use NMSC’s Online Scholarship Application (OSA) to submit your National Merit Scholarship Application. Be sure to, If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ..., report to NMSC that a sponsor college is their first choice (see Sponsors of National Merit Scholarships); have applied for admission to the sponsor college; and. have not been offered any other National Merit Scholarship (corporate-sponsored, National, or another college- sponsored award). No student will receive more than one scholarship ..., Score Summary. On your PDF score report, you can view the four scores available from your PSAT/NMSQT assessment—total score, Reading and Writing section score, Math section score, and NMSC Selection Index score. For each score, the official score report PDF includes: All possible scores: 320-1520 for total score. 160-760 for section scores., If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ..., If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent. Username and Password. If you are returning to the OSA site, enter the permanent Username and ..., IMPORTANT: If NMSC receives notification of a change in college choice from a Finalist after posting a college-sponsored Merit Scholarship offer to that student’s OSA dashboard, the change in college choice will not be processed by NMSC or reported to the newly selected college, and the Finalist, If this is your first visit to the National Merit Scholarship Corporation (NMSC) Online Scholarship Application (OSA) website, please enter your temporary Username and Password below. Upon successful login, you will be asked to create a permanent Username and Password. If you are returning to the OSA site, enter the permanent Username and ..., In early March, NMSC ® will mail detailed instructions for completing an Online Scholarship Renewal Application for the upcoming academic year to Scholars at their home addresses. If NMSC does not receive the Scholar's completed renewal application, an additional notification will be sent by email. If the Scholar does not submit the completed renewal application after this reminder, the ..., report to NMSC that a sponsor college is their first choice (see Sponsors of National Merit Scholarships); have applied for admission to the sponsor college; and. have not been offered any other National Merit Scholarship (corporate-sponsored, National, or another college- sponsored award). No student will receive more than one scholarship ..., You will be considered for a scholarship upon admission to UCF if you are named a National Merit Semifinalist. If you are a Florida resident, the scholarship will be awarded in addition to the Florida Bright Futures Scholarship. If you advance to become a National Merit Finalist and you designate UCF as your "first choice" with the National ..., Before Test Day. Content on the PSAT/NMSQT is very similar to the SAT, with Reading and Writing and Math sections. To prepare, full-length adaptive digital PSAT/NMSQT practice is available on the Bluebook™ app. More resources are available at the Official Digital SAT Prep on Khan Academy., Two hundred thirty-eight students from 18 Fairfax County Public Schools are among the semifinalists named by the National Merit Scholarship Corporation for 2023. Thomas Jefferson High School for Science and Technology (TJHSST), which also serves as the Governor's Regional School for Northern Virginia, has 132 semifinalists., Our Company. NMSC was founded in 1979 when a need to provide personalized and effective dining services was recognized within the healthcare industry. Since that time NMSC has grounded itself being an industry innovator, advocate to our residents, and financial stewards to our clients.