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Joined: June 17, 2009  (email not validated)
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One small note: "passerby" and "passersby" do not have hyphens (according to Webster's dictionary)

Deb June 17, 2009, 2:47pm

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According to Webster's Dictionary, "as of" is a preposition "used to indicate a time or date at which something begins or ends"; "takes effect as of July 1" is the example given.

Matt, I am not sure I have ever heard "as at" used in the manner you describe.

Deb June 17, 2009, 2:44pm

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Insurance is indeed noncountable, but "insurances" is being used in the provided example ("we accept all major insurances") to indicate different companies rather than a plural of "insurance" (a more correct wording might be "we accept insurance from all major insurance companies," but that gets rather cumbersome). When speaking of multiples of insurance, one correct way to refer to them would be "We have several types of insurance, including health, fire, auto, and boat."

Deb June 17, 2009, 2:35pm

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