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Hookah smoking is no safer than cigarette smoking. If you read no further, that is the take-home message for this blog — no matter what you may have heard or read, the scientific evidence is clear that hookah smoking is not a safe alternative to smoking cigarettes.
Countering the widely-held, although mistaken, belief that hookah smoking is safer than cigarette smoking is important, so let's take a step back and consider what hookah is, learn about its history and current popularity, and then look at the facts about the scientific evidence regarding its effects on health. [more]
An ancient practice
Hookah is a bowl-shaped device with a tubular pipe. It also may be called waterpipe, shisha or hubble-bubble. Charcoal-heated air is passed through a tobacco mixture and then through a water-filled chamber and, ultimately, through the pipe for the user to inhale. Though it sounds complicated, a hookah is an ingenious and relatively simple way of delivering tobacco smoke. (see photo, on left)
The practice of hookah smoking goes back nearly 500 years. It most likely began in India after Columbus brought back the first tobacco plants and seeds from the Americas, where tobacco had been in use for centuries.… Continue reading →


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Enterprise Baptist Church
Monday, August 20, 2018
Children In Action! - Wednesday night Kid's Ministry
Looking for a place for your child to spiritually grow in a fun and safe environment? Come join our Wednesday night CIA ministry at Enterprise Baptist Church! At EBC we believe that children are a vital part of the Church. Not only do children need the opportunity to learn the Bible, they need to learn to live out what the Bible teaches.
Children In Action is designed to help our children grow in their relationship with Christ and in their service to others. Each week our kids not only learn an important lesson from the Bible, they also learn how they can minister to those within the church and those without. Our CIA members are a regular part of our worship service singing many times throughout the year. Our kids also participate in a monthly mission project where they learn to serve others. CIA is a wonderful opportunity for children to learn about and experience the Kingdom of God in so many different ways!
Our program is for kids age 3 through the 6th grade and is active September - May. During this time our Wednesday night schedule is as follows:
CIA Meal - 6:00 pm
CIA Program - 6:30 - 8:00 pm
* We also have an adult and youth bible studies from 7:00-8:00. Hope to see you there!

subset: commoncrawl


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Chris has a discussion with his guest C.J. Chilvers on why you shouldn't trust someone like Chris telling you how to do your photography. Also a look behind the scenes of how to build a wall paper pack with 20 images at 12 different crops, making this a whopping 240 individual files and another great watch-this video tip, today a photoshoot with Benedict Cumberbatch. More here
Show Links:
- SPONSOR: Try Squarespace and enter offer code TOPFLOOR at checkout to get 10% off.
- SPONSOR: lynda.com, try it 7 days for free! (check out their Photography Tutorials)
- The Real New York Inside/Out – Oct 2015 – Photo Workshop with Chris Marquardt and Princeton Photo Workshop
- Viewfinder Villa House-Warming Party: March 28 2015
- C.J. Chilvers – A Lesser Photographer Blog
- A LESSER PHOTOGRAPHER – the book
- The new Iceland 2015 wall paper pack
» Download the MP3 for this episode
Photo tours with Chris Marquardt:
» May 2017: Svalbard — Arctic (sold out)
» Oct 2017: Bhutan — The Happiness Kingdom (only 1 spot open)
» May 2018: New York Tilt-Shift
» Aug 2018: Ireland — Giant's Causeway
» Sep 2018: Norway — Lofoten Fantastic Fjords
» Oct 2018: Morocco
» all photo tours


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Free Tips to improve your Website & Online Business Tip#29
Don't put all your testimonials on one page. Put them alongside the product to help increase credibility and trust. Make sure its everywhere so you always remind them of your good work..
Websites Makeover, LLC. is an innovative web services company located in Rancho Cucamonga (Southern California), that specializes in Web design and SEO. With many years of experience, over 250 websites delivered and proven SEO strategy we are able to meet and exceed all of your web design and search engine optimization needs. Our goal is to provide you with professional and affordable services that can assist you in establishing a long-term successful online business.
Our services includes New Website Design, Current Website Makeover, Web Hosting, SEO (Search Engine Optimization), SEM (Search Engine Marketing), E-commerce Web Design, Logo Design, Social Networks Service (Facebook Fan Page, Google+ Page, and Twitter Profile), Creative Content Writing, Backlinks Building, Video Creation, Video Promotion, Video Testimonials, Adwords Management (PPC), Yelp & Google Local Business Setup.


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Men's Club
Social Interation - Intellectual Interests - Unique, Fun Programming
The Men's Club offers the opportunity to expand one's circle of friends, to get involved in Jewish affairs and to contribute to our congregation.
We are an auxiliary organization with the primary purpose of providing social, educational, cultural and spiritual services for the men, as well as for the broader community. While we provide opportunities for men in our congregation to gather together for fellowship, recreation, personal growth and mutual support, we also work to support the mission, services and activities of the congregation.
2017-18 Calendar of Events
Sukkah Build & Bagel Breakfast
Sunday, October 1, 10 a.m.
Sukkah De-Build & Donut Breakfast
Sunday, October 15, 10 a.m.
Pre-Thanksgiving Event – TBD
Tuesday, November 21
Bagel Breakfast
Sunday, December 10, 9 a.m.
Retro Board Game Night
Saturday, January 13, 7 p.m.
Chili & Soup Contest
Sunday, February 11, 10:30 a.m.-1 p.m.
Bagel Nosh
Sunday, March 11, 11 a.m.
Bagel Breakfast
Sunday, April 8, 9 a.m.
Men's Club Shabbat – TBD
Join today! It's only $18 per year and gets you free admission to all of our bagel brunches.
For more information, please contact Steve at firstname.lastname@example.com.


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LET'S TALK DEMENTIA is the name of my Amazon #1 Best Seller, and it is also the name of my podcast. I have signs on both doors of my car and my husband's car that say "Let's Talk Dementia". We advertise everywhere we go.
These signs on our cars do another thing. That make us very aware of road etiquette. In other words, you won't see us screaming at drivers, making inappropriate gestures (you know exactly what I am talking about!), or cutting someone off in traffic.
These signs also caused us to laugh recently. Michael and I were attending a Sunday afternoon fundraiser in our town recently. We drove separately, and met in the parking lot of the event. Michael was ahead of me and pulled into a spot. As he was pulling in to a spot on the right, I noticed a spot to the left. I began pulling into the spot beside a very large tree.
BANG! I heard this noise and thought, "How did I hit that tree?" I was shocked, as I was sure I had cleared it. Upon further notice, I realized the most embarrassing of all situations. We both were driving cars that said "Let's Talk Dementia", and we had run into each other! I kept wondering if everyone around us was laughing. OK, it is funny NOW, but my cute little car has a dent that has to be repaired. Michael's car was OK.
Life makes you laugh. If you aren't laughing at life, it will bring you down in a big way. The little BUMPS in life are not worth the stress and attention we often give them. Save that energy for the important stuff, and laugh at everything else.
Hope that gives you Something To Ponder.
A kindergarten teacher wanted to teach her students about self-esteem. She said to her class, "Everyone who thinks you are dumb, please stand up". She did not think anyone would stand, and she would make the point of how no one is dumb.
Johnny, still processing the thought, stood up. The teacher was shocked. She said, "Johnny, you don't really think you are dumb. Do you?"
He said, "Well, no ma'am. I just hated seeing you stand there all by yourself."
Sometimes, You've Just Got To Laugh!


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Parish Notes
Please send items for Parish Notes to email@example.com with the words "Parish Notes" in the subject line. Submission deadline is the Friday one week before at 10 a.m.
Pancake Breakfast: Today, 8 to 11 a.m., at Grace-Westminster United Church, 505 10th St. East. In conjunction with the Broadway Street Fair. Admission is by donation.
Country Gospel Breakfast Buffet and Concert: Today, 9 a.m., at Smiley's Buffet, 702 Circle Dr. East. Presented by Country Gospel Music Association. Featuring Neil & Nancy Stubbs and Stan Windels. Adults cost $15 and children under 12 cost $6. Includes breakfast buffet. Information at 306-242-7431, 306-229-8600.
Welcome Back Sunday: Sunday, 10:30 a.m., at St. John's Cathedral, 816 Spadina Cres. East. Worshipers of all ages are invited to bring backpacks, briefcases, or other such bags to the service where they will receive a special blessing as we begin the "new year." A barbecue will follow at 12 p.m.
Community Senior's Games Group: The second Tuesday of the month, September to May, 1:30 p.m., at St. Martin's United Church, 2617 Clarence Ave. Information at 306-373-0087 or 306-374-3269.
ALPHA: Tuesday, 6:30 p.m., at the Neighbourhood Church, 233 Pinehouse Dr. Supper and an introduction to the Christian faith and the claims of Jesus. Information and registration at 306-934-7100, email@example.com.
All Things New: Held at Rock of Ages Lutheran Brethren Church, 130 Kingsmere Pl. An eight-week study on 2 Corinthians with Kelly Minter. Evenings include praise and worship, a video and small group discussion. Workbooks cost $23. Register at 306-374-1707, firstname.lastname@example.com by Wednesday.
Together in Christ: Reformation 500: First session Wednesday, 7-9 p.m., at Zion Lutheran Church, 323 Fourth Ave. South. Sessions 2-5: Sept. 23, 30, Oct. 14, 21, 9:30 a.m. to 12 p.m., at Queen's House Retreat and Renewal Centre, 601 Taylor St. West. Five sessions on Christians commemorating the reformation. Cost is $25 each or $100 for series. Lunch for sessions 2-5 is $12. Register at 306-242-1916.
GriefShare Recovery Group: Thursdays through Dec. 7, 7 p.m., at Louise Avenue Congregational Church, 1602 Louise Ave. Anyone who has lost a loved one is welcome to attend. Information at 306-262-4119, 306−931-1297.
Bible-Based Church: Saturdays, 10 a.m. to noon. An inclusive, gender-sensitive, compassionate and non-judgmental church. A potluck follows the service. For directions email firstname.lastname@example.com or call 306-979-5256.
Sunday Meditation: Sundays, 10 a.m., at Windsor Chapel, 704 Windsor St. Presented by the Centre for Spiritual Living Saskatoon. Learn how to create the life you long for. Sunday celebration follows at 10:30 a.m. Information at 306-975-2022, cslsaskatoon.com.
Buddhist Meditation: Sundays, 4 to 5:30 p.m. Guided meditation taught by the monks from the Buddha Meditation Centre of Saskatoon. Everyone is welcome. Class is free. Information at meditationsaskatoon.org, 306-374-2840.
Tours of St. John's Cathedral: Tours throughout the summer at 816 Spadina Cres. East. Scheduled tours are available on Tuesday and Thursday afternoons and Sundays after the 10:30 a.m. service. Tours by appointment at 306-242-5146.
L'Arche Prayer Nights: Wednesdays, 7 p.m. Prayer and fellowship with L'Arche Saskatoon, an ecumenical Christian community. Everyone is welcome from all faiths. For information email email@example.com.
Bargain Store: Thursdays only from 11 a.m. to 3 p.m. at St. Pauls United Church, 454 Egbert Ave. Clothing, jewelry, purses and more. Donations of gently used clothing are welcome. For more info, call 306 955-3766, email firstname.lastname@example.com, visit spuconline.com.
Gongbath Immersion Meditation: Thursday evenings, 7:30 p.m., at Queen's House Retreat and Renewal Centre, 601 Taylor St. West. Experience the healing harmonics of the gong. Drop-in fee is $10. Information at lynneharley.com, 306-270-3800.
Fall Tea and Bake Sale: Sept. 23, 2 to 4 p.m., in the Bethel United Lounge at Oliver Lodge, 1405 Faulkner Cres. Hosted by Oliver Lodge Auxiliary. Proceeds support Oliver Lodge residents.
St. Mary's Parish Harvest Supper: Sept. 24, 5 p.m., at 211 Ave. O South. Adults cost $16 and children ages six to 10 cost $6. Advance tickets only. Call 306-244-2983.
Sacred Journey: The Spiritual Exercises in Daily Life: Biweekly retreats Oct. 1 to April 29 at Queen's House Retreat and Renewal Centre, 601 Taylor St. West. A transformative retreat experience with Dianne Mantyka. Cost is $495 plus cost of biweekly spiritual direction. Register at 306-242-1916. Deadline is Sept. 25.
All-You-Can-Eat Carenyky (Perogy) Supper: Sept. 29, 5 to 7 p.m., at the Ukrainian Orthodox Holy Trinity Cathedral Hall, 919 20th St. West. Cost includes dessert and a beverage. Meat and cabbage rolls available for extra cost. Adults cost $12, children ages five to nine cost $6, and children ages four and under eat free. Admission at the door.
Indo-Canadian Evening Worship: The first Sunday evening of each month at 5 p.m. at Westgate Alliance Church, 3315 Centennial Dr. Next service is Oct. 1. Service in English with songs in Indian languages with translations. Followed by a toonie supper. For information visit indocanadianchristianworship.ca.
ALPHA: Sept. 19, 6:30 p.m., at the Neighbourhood Church, 233 Pinehouse Dr. Supper and an introduction to the Christian faith and the claims of Jesus. Information and registration at 306-934-7100, firstname.lastname@example.com.
Turkey Supper: Oct. 1, sittings at 4:30 and 6 p.m., at Sts-Martyrs-Canadiens Parish Hall, 1007 Windsor St. Turkey, potatoes, vegetables, salads, pies. Adults cost $15, children ages five to 12 cost $5, and children under five are by donation. Tickets at 306-665-9103, 306-280-4219. Tickets are limited.
Reformation 500 Commemoration Banquet: Oct. 28, 6 p.m., at the Western Development Museum, 2610 Lorne Ave. Guest speaker Donna Pyle. Cost is $35. Tickets available at Saskatoon Lutheran churches, 306-244-4743, firstname.lastname@example.com.


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We live in a time when the acceptance of a range of sexual orientations seem to be becoming more and more commonplace. In fact, gay marriage is legal in many states in the US with even more on the verge of legalizing it in the coming years.
Yet we see a reoccurring problem…not only is discrimination against people based on their sexual orientation happen in every day live, it happens in the workplace as well. Individuals may find themselves put out of work or being constantly harassed at work based on their sexual orientation, causing emotional and financial distress.
According to a New York City sexual orientation discrimination attorney, although there is no specific law explicitly prohibiting discrimination in the workplace, decisions by the Equal Employment Opportunity Commission prohibit discrimination based on an employee being gay or lesbian. Essentially, this means that if you have been wrongfully terminated or face continued harassment at your workplace, you may be able to take legal action to receive damages and compensation.
Even as the acceptance of a wide array of sexual orientations is increasing in the United States, sexual orientation discrimination is still commonplace even in the workplace. In fact, studies show that 42 percent of gay, lesbian, or bisexual workers experience discrimination in the workplace. This can cause immense emotional and physiological problems for an individual, not to mention the financial distress due to being wrongfully terminated based on their sexual orientation.
Sexual orientation discrimination is never right but continues to happen. Only when individuals know what to do in this situation to receive damages, often needing a lawyer, can some of the emotional and financial burden be lifted off their shoulders.


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Norrlands Guld Motorörelsen
Agency: Åkestam Holst Directed by: Bill Schumacher Animation & Design: Good Motion
Norrlands Guld is one of Sweden's dominating beer brands a, lot thanks to their funny and satirical communication. This time it was up to our friend director Bill Schumacher to create the next one and the idea was simple, if you stare down on the screens of your smartphone smartphones it's bad for your neck and it's a growing threat to global health. he remedy is (of course) drinking beer as it forces you to tilt your neck into an opposing motion.
When we created the designs the challenge was to make them feel rich, scientific and funny without stealing the attention from our beer drinking hero. We used inspiration from video gamings and created animations that would clearly bring associations to power ups and typical iconography.
We further enhanced the presence of the animations by adding textured glow, out of focus and tracking.


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Micro Link Extensions: Installation/Talk Through at ...Kait Nichole
- Video description
- 6 years ago
- 112,297 views
- 0 likes
- 129 comments
Instagram: http://www.instagram.com/KaitNicholexo
Facebook: http://www.facebook.com/KaitNicholexo
Second Channel: http://www.youtube.com/KaitNicholexoVlogs
Twitter: http://twitter.com/KaitNicholexo
Business Inquiries can be sent to:
This video will show you the process of installing the PerfecTress Micro Link Extensions. As well as more information about the process such as: Maintenance, Color matching & MORE! :) If there are any questions that weren't answered in this video or in the description box, please feel free to leave it in a comment below!!
♡ Voga Salon's Info:
- LIKE Voga Salon on Facebook: www.facebook.com/vogasalon
- Subscribe to Voga Salon on Youtube: http://www.youtube.com/VogaSalonKC
- Twitter: http://www.twitter.com/VogaSalon
- Instagram: @VogaSalon
- www.facebook.com/vogasalon
You could be NEXT!! Visit the Salon at:
13357 W. 135th Overland Park, KS 66221
** Tell them Kait sent you!! **
Hair Stylist: Ashlee Laya
*Owner of Voga Salon - Trainer/Educator for PerfecTress hair extensions USA!*
Pricing determined by Length:
- 14 inch: $1,000.00
- 18 inch: $1,250.00 *
- 22 inch: $2,000.00
( The 18" extensions are what both Jessica & I have done to our hair! )
A HUGE THANK YOU to Voga Salon & Jessica for allowing me to come in and film this video for you guys!! ♡ More Hair & Extension videos to come!! xo
♡ Discount Codes & Invite Links:
- Sedona Lace: $4.00 off your order using code "FridayNightHighLite"
- Whitening Lightning: 70% off your entire purchase using code "Friday70"
- Flat Iron Experts: 10% off your entire purchase using code "Kait10"
- Sun Goddess: 10% off your entire purchase using code "FridayNightHighLite
- Sigma Brushes: http://www.sigmabeauty.com/?Click=133024
- JustFab: http://www.justfab.com/invite/Kait/
- HauteLook: http://www.hautelook.com/short/3EbyM
Don't forget to subscribe!
- Comments
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GraphicRiver Stickers Generator Mock-up 9001297
Photoshop \ Stock Graphic \ Product Mock-Ups \ Print \ Miscellaneous
Generator \ Sticker \ Generate \ Oganized \ Layers \ Simple \ Realistic \ Template
Stock Graphic - Stickers Generator Mock-up 9001297 by mesmeriseme @ GraphicRiver
Photoshop \ Stock Graphic \ Product Mock-Ups \ Print \ Miscellaneous
Stickers Generator Mock-up
- 1 psd file 3000×2025 px 72 dpi;
- Use only one layer to generate realistic sticker;
- Most simple sticker generator;
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High Resolution: Yes; Layered: Yes; Graphics Files Included: Photoshop PSD; Minimum Adobe CS Version: CS4; Pixel Dimensions: 3000x2025.
Sleeveless Crop on Model Mock-up; Aprons (9 Types); Snapback Cap (6 Panel) Mock-up; Wedding Identity Branding Mock-up; Suit Elements 3 Bundle; Mandarin Dress Shirt Mock-up; Crop T-Shirt on Model Mock-up.
Keywords: ad, add, advertisment, company, generate, glossy, identity, label, labels, logo, mock, mock up, mock-up, mockup, music, paper, paster, shirt, shop, shorts, skate, sponsor, sport, t-shirt, tag, tags, tee, template, uniform, up.


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Immigration Program. Many African immigrants who don't have their papers struggle with an unfair immigration system. ACT's Immigration Program is raising an African voice for fair immigration reform. Our priorities include ensuring that African immigrants take advantage of immigration "executive action", including DACA, DAPA, and Temporary Protected Status for Guinea, Liberia, and Sierra Leone; and advocating for legislation to provide Driver's Licenses and college financial aid to undocumented New Yorkers.
Jobs Program. African immigrants often struggle to find decent jobs in America, despite a wealth of skills and education. The Jobs Program is helping African workers protect their rights on the job, develop African-owned small businesses and co-ops, and connect our communities to job opportunities. In addition to organizing African workers, particularly hair braiders and taxi drivers, to improve the quality of their jobs, ACT's Jobs Program is fighting to increase wages and working conditions in Washington D.C. airports.
Language Access Campaign. The services that African immigrants need to integrate and advance are often not accessible or culturally competent. ACT is fighting to reform New York City and State language access policies, advocating with government to address the needs of Africans who speak French and African languages, and training a group of "Community Interpreters" to meet the demand for skilled, culturally competent interpretation and translation for African communities. Click here to learn about our NYC Language Access campaign.
Temporary Protected Status Campaign. On November 21, 2014, in response to the Ebola epidemic, the Secretary of Homeland Security designated Temporary Protected Status (TPS) for three West African nations: Guinea, Liberia, and Sierra Leone. Although much progress continues to be made, the three countries continue to experience substantial, temporary disruptions to their public health infrastructure and economies that render them unable, temporarily, to handle adequately the return of their nationals.
With the support of leaders from the Guinean, Liberian, and Sierra Leonean communities in America, and the governments of Guinea, Liberia, and Sierra Leone, African Communities Together launched the TPS Reauthorization Campaign, which is seeking the reauthorization of TPS for an additional 18 months beyond November 2016 and the reinstatement of late registration.
To get involved in a leadership committee, please fill out the form below.


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FK Olimpia Gelendzhik vector logo
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Chile > Banking and finance > Law firm and leading lawyer rankings
Index of tables
Banking and finance
Alessandri & Compañía Abogados
Larrain y Asociados
- Prieto
- Urenda, Rencoret, Orrego y Dörr
- Aninat Schwencke & Cia
CMS Carey & Allende
- Garrigues Chile
- Grasty Quintana Majlis & Cia.
Leading lawyers
- José Luis Ambrosy - Claro & Cia.
- Marcelo Armas - Philippi Prietocarrizosa Ferrero DU & Uría
- Myriam Barahona - Morales & Besa
- Octavio Bofill - Bofill, Mir & Álvarez Jana
- José Miguel Carvajal - Morales & Besa
- Pedro García - Garrigues Chile
Jorge Granic -
Larrain y Asociados
- Roberto Guerrero V - Guerrero Olivos
- Francisco Illanes - Cariola Díez Pérez-Cotapos
- Jorge Martín - Claro & Cia.
- Gonzalo Molina - Barros & Errázuriz
- Rodrigo Ochagavía - Claro & Cia.
- Diego Peralta - Carey
- Andrés Sanfuentes - Philippi Prietocarrizosa Ferrero DU & Uría
Next generation lawyers
- Gerardo Cruzat - Prieto
- Ignacio Delpino - Morales & Besa
- María Olga Rivera - Barros & Errázuriz
- Marcela Silva - Philippi Prietocarrizosa Ferrero DU & Uría
Find out which law firms are representing which Banking and finance clients in Chile using The Legal 500's new comprehensive database of law firm/client relationships. Instantly search over 925,000 relationships, including over 83,000 Fortune 500, 46,000 FTSE350 and 13,000 DAX 30 relationships globally. Access is free for in-house lawyers, and by subscription for law firms. For more information, contact email@example.com.
Barros & Errázuriz is regularly involved in complex banking and finance transactions. The team is recommended for secured, corporate and syndicated loans; cross-border transactions; sophisticated guarantee agreements; and bond placements. It is also highly regarded for structured finance, project finance, leasing and acquisition finance. Highlights saw the team advise Interconexión Eléctrica, through its subsidiary Interchile, on a long-term project financing for the construction of power transmission projects in Chile; it also acted for BTG Pactual-Cayman Branch on an extension of a solar energy plant-related bridging loan. Banking and finance experts Gonzalo Molina, lender-counsel team head Francisco De la Barra and debtor-counsel team head Nicolás Balmaceda are recommended, as is Luis Alberto Letelier who leads the capital markets team. Cristián Barros, Víctor Barros and Javier Díaz are also key names. The firm is the local member of Affinitas, a regional alliance of law firms.
Carey's 'highly professional and knowledgeable practice is outstanding'. It has longstanding experience in advising Chilean and foreign lenders, investors and borrowers on secured and unsecured syndicated and bilateral loan facilities; debt restructurings; public and private offerings and placements; and equity and debt securities. The practice is also highly regarded for securitisations; project financings; structured products; and derivative transactions. Felipe Moro led advice to SunPower, as sponsor and parent company of Total SunPower El Pelícano, on the project financing of the construction, commission, operation and maintenance of a 100MW photovoltaic plant and its related transmission lines and civil engineering works; and Diego Peralta, who is 'a highly experienced lawyer in Chile for financial matters', acted for International Finance Corporation (IFC) on the execution of a $30m loan agreement and the issuing of promissory notes under Chilean Law. Other highlights saw two independent teams act for both the lender and borrower on a $100m credit agreement granted by Rabobank Chile, The Bank of Nova Scotia, Banco de Crédito del Perú and Export Development Canada. Francisco Ugarte is also recommended.
Claro & Cia.'s banking and finance practice is highly rated for its assistance to local and foreign banks, with which it enjoys longstanding relationships. Representative expertise includes loans, public and private placements of securities, and derivatives, including regulatory advice; and in project finance the team advises sponsors, banks and insurers on the financing of toll roads, airports, ports, mines, oil and gas refineries and telecoms projects. It recently acted for Banco Bilbao Vizcaya Argentaria (New York branch), as administrative agent, and several lenders, on a $1.5bn senior unsecured term-loan credit agreement granted to Enersis Américas in relation to the reorganisation of Enersis, Chilectra and Endesa Chile. On the borrower side, the team assisted Empresa Eléctrica Angamos with $350m secured credit and hedging facilities, entered into with Banco de Chile, Banco de Crédito e Inversiones, Banco del Estado de Chile and Banco Itaú-Corpbanca. Rodrigo Ochagavía has extensive experience in corporate finance, including banking and finance and capital markets; Jorge Martín is a project finance and banking and finance specialist; and José Luis Ambrosy represents lenders, borrowers, purchasers, financial advisers, issuers, credit enhancers and underwriters; he also regularly advises on securities matters that involve the regulatory authorities. The firm is the exclusive Chilean member of Lex Mundi, a global network of independent law firms.
Morales & Besa is 'a top Chilean law firm that has a reliable team of broadly experienced lawyers, who have strong knowledge of local market and international standards'. The practice covers investment banking and finance, including corporate finance, syndicated loans, and structured finance. It is also highly rated for project finance, derivatives, regulatory matters and debt restructuring; and has specific expertise in regulated sectors, such as energy and natural resources and infrastructure. Recent highlights saw co-founding partner Guillermo Morales act for Bank of America and Bank of America Merrill Lynch Banco Múltiplo in a high-value parent guarantee; and Myriam Barahona advised the bank lenders and bondholders on a successful insolvency procedure that aimed to restructure La Araucana's $600m-plus debts. Other matters included José Miguel Carvajal leading advice to a syndicate of banks on the amendment of a financing granted to supermarket group, SMU; and in the projects area, Carlos Silva acted for Sociedad Concesionaria Nuevo Pudahuel on the financing for the expansion of Santiago's international airport. On the regulatory side, the practice advised Bank of China, a state-owned commercial bank, on the obtaining of a provisional license to operate a branch in Chile. Matías Langevin and name partner Eugenio Besa are also highly rated.
Philippi Prietocarrizosa Ferrero DU & Uría regularly acts on project finance transactions in the energy, mining and infrastructure sectors; and advises local and foreign banks on syndicated financings. The firm also acts in multiple corporate finance transactions; represents financiers and owners on aircraft-lease and financing operations; and assists with offshore bonds and the issuance of shares. Marcelo Armas and Andrés Sanfuentes are the highly regarded department heads; Armas led advice, as local counsel, to a syndicate of banks on the financing of the operation, maintenance, expansion and renovation of Santiago international airport's existing terminal, as well as the construction, operation and maintenance of a new terminal.
Baker McKenzie Chile's highly-regarded practitioners regularly advise on the offering and structuring of sophisticated financial products; assist with day-to-day regulatory financial matters; and act for financial institutions and corporate entities in the financing of M&A deals and restructurings. Other areas of strength include project financings, including toll road concessions, energy, mining and pipeline projects; the negotiation of master derivative agreements; and asset-backed securitisation transactions; and the team has longstanding expertise in major project financings. It advised Credit Suisse on the structuring and implementation of local security documents for a $60m trade finance deal. Jaime Munro, León Larrain, Sebastián Vivanco and Fernando Castro are highly rated.
Bofill, Mir & Álvarez Jana is particularly well regarded for its experience in leveraged finance, real estate and project finance, and syndicated loans; the practice is also experienced in corporate recovery and insolvency matters, bond issuances and IPOs. The team recently advised Inversiones e Inmobiliaria Almonacid on refinancing and syndicating its loans. Octavio Bofill, who is 'personally dedicated to his clients and is a great negotiator with excellent legal knowledge', and Jorge Lembeye are recommended. Alejandro Álvarez and Ana María Yuri are also key contacts.
Cariola Díez Pérez-Cotapos is particularly active in structuring cross-border loans. The team also advises on project finance in the mining, energy and infrastructure sectors; M&A acquisition finance and domestic corporate financings; complex restructurings; secured financing for agriculture producers; and derivatives and trade finance. Other areas of strength for the firm include regulatory advice. Recent matters saw the team advise Inversiones Arión, as borrower, on a $275m credit facility to finance the acquisition of Grupo Petrobras Chile. Francisco Illanes and Rodrigo Sepúlveda are recommended. Juan Antonio Parodi is also well regarded.
Guerrero Olivos expanded its team with the hire of Miguel Coddou, as senior counsel, from Garnham Abogados, Mori & Humphreys; a former general counsel in Chile at international banks, Rabobank Chile, RBS and AMB AMRO Bank Chile, he has extensive experience in financing structures, banking matters and corporate governance. The team advised Banco de Crédito del Perú on loan agreements granted to Empresas Iansa; and acted for BNY Mellon Australia on an international debt offering. Roberto Guerrero V, Sebastián Yunge and Jorge Delpiano are highly rated. Other experienced practitioners include Juan Enrique Allard, Hernán Felipe Errázuriz, Clemente Pérez and Pedro Lyon.
Alessandri & Compañía Abogados' client base includes national and international banks and financial institutions, particularly multilateral development banks, and the team is particularly recommended for loan documents, cross-border transactions and bond issues. Fernando Jamarne heads the banking and finance services group and he recently led advice to Fifth Third Bank (FTB) on a legal report, concerning products and services that will be offered to FTB customers in Chile. Financial-markets regulatory specialist Felipe Cousiño acted for Coller Capital in the structuring of a $400m private equity global secondaries offering in Chile, by setting up a locally registered feeder fund; the work included assistance with tax, corporate and securities laws.
Larrain y Asociados regularly advises banks, financial agencies, institutions and companies on syndicated loans, acquisition financing and structured financing; the team is also well regarded for energy project financing, petrochemical, mining and infrastructure financing, and financing structures for the aviation market. The team acted for Corpbanca, now known as Itaú Corpbanca, on the structuring and documentation of hotel-related financing contracts and guarantees. Department head Patricio Montes and Jorge Granic are project finance experts.
Prieto 'provides excellent response times, has in-depth knowledge and represents great value for money'. The firm is noted for its experience in domestic and international syndicated loan agreements, predominantly on the debtor's side; project finance; and debt placements. The team also advises on debt recovery matters, financial restructurings, and bond issues. Highlights saw the team act for a special purpose company, and its sponsors, in the negotiations for the financing for the construction, development and operation of a trunk electricity transmission line; it also advised the ad hoc group of bondholders of Automotores Gildemeister on the restructuring of $700m bonds. Patricio Prieto L is 'an excellent lawyer' and Gerardo Cruzat is also highly rated.
Urenda, Rencoret, Orrego y Dörr regularly acts for national and foreign financial institutions and banks on loans to Chilean companies and project finance; the team is also well regarded for its assistance with debt securities, and restructuring and refinancing work. Cross-border highlights saw the team assist Minera Escondida, as borrower, on a $1.2bn syndicated loan granted by a group of 12 lender banks. Managing partner Sergio Orrego, Nicholas Mocarquer and Rodrigo de Alencar are recommended.
Aninat Schwencke & Cia regularly advises issuers and underwriters on capital markets matters, and the practice is highly specialised in derivative products. Internationally, the team provides advisory services to foreign mutual funds and closed-end funds on the approval process in Chile. Recent highlights saw the team act for Citigroup Global Markets and JP Morgan Securities on Chilean state-owned energy company ENAP's simultaneous bond issuance and cash tender. Juan Pablo Schwencke is the key name.
International law firm CMS recently joined up with Carey & Allende to become CMS Carey & Allende. The practice is well regarded for its experience in project finance, syndicated loans, debt restructurings and the financing of international expansion plans. The practice advised Chilean salmon company AquaChile on a $251m loan to refinance its existing debt with creditors. Other significant work saw the team act for Socer on project finance negotiations with lender Banco Bice for power generation plants. Department head Fernando de Cárcer, Jorge Allende D and Luis Felipe Arze are recommended. Diego Rodríguez is a highly regarded senior associate.
Iberian law firm Garrigues Chile opened in Chile in 2016 after incorporating medium-sized local transactional practice, Avendaño Merino; its banking and finance department was subsequently established with the arrival of Pedro García and his team from Morales & Besa. The practice is recommended for equity and debt capital markets; advises on high-value bond issuances; and is particularly active in the energy and infrastructure sectors. It also acts in complex restructurings, corporate and project finance transactions, and banking regulation. Recent matters saw the team act for Empresa Nacional del Petróleo, the largest oil-and-gas entity in Chile, in a $700m bond issuance. In project financing, it advised Banco de Chile, Banco de Crédito e Inversiones and Banco del Estado de Chile on a $111m financing granted to Transmisora Eléctrica del Norte for VAT payments arising from the construction of a transmission line.
Grasty Quintana Majlis & Cia. regularly advises on the issuance of debt and capital, both privately and in the capital markets; the team is also experienced in syndicated financing and project financing, and has an active practice in assisting start-up venture capital firms with the structuring of their investment financings. Managing partner Juan Turner and Franco Acchiardo are the recommended names.


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Gun rights groups are heading to the capitol on Friday and are furious over fee hikes proposed in Gov. Dannel Malloy's two year budget.
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CRANBURY, N.J.--(EON: Enhanced Online News)--Michael J. Hennessy Associates, Inc. (MJH Associates), a full-service healthcare communications company, announces the expansion of its Strategic Alliance Partnership (SAP) program with the addition of the American Lung Association. The partnership will extend across multiple MJH Associates franchises including CURE®, Rare Disease Communication®, MD Magazine® and Contagion®.
"Serving as the nation's premier resource for lung health, the American Lung Association is pleased to partner with MJH to reach more patients, ensuring those living with a lung disease have science-based information to help them make informed decisions that might improve their quality of life"
In making the announcement, Michael J. Hennessy Jr., president of MJH Associates, said, "We are excited to announce this new partnership with the American Lung Association, an organization that has been on the forefront of finding a cure for lung diseases, providing resources to patients and caregivers, and raising public awareness about lung health. Together, we will advance and educate the lung disease community as we optimize patient outcomes."
American Lung Association has led the fight for lung health for over 110 years. The mission of the organization is to save lives by improving lung health and preventing lung disease through education, advocacy and research. Since 2014, the American Lung Association has led a successful public awareness initiative, LUNG FORCE, a nationwide movement to unite Americans against lung cancer and for lung health.
"Serving as the nation's premier resource for lung health, the American Lung Association is pleased to partner with MJH to reach more patients, ensuring those living with a lung disease have science-based information to help them make informed decisions that might improve their quality of life," said American Lung Association Assistant Vice President of Health Education Katherine Pruitt.
The Strategic Alliance Partnership program builds a community of advocacy groups, medical associations and medical institutions fostering collaboration and an open exchange of information for the ultimate benefit of patients and their families. CURE®, Rare Disease Communication®, MD Magazine® and Contagion® and various trusted organizations. During this collaboration, the American Lung Association will offer quality content, including research updates and management strategies to better educate patients, families and medical professionals about treatment options, emerging research and patient support groups.
About American Lung Association
The American Lung Association is the leading organization working to save lives by improving lung health and preventing lung disease, through research, education and advocacy. The work of the American Lung Association is focused on four strategic imperatives: to defeat lung cancer; to improve the air we breathe; to reduce the burden of lung disease on individuals and their families; and to eliminate tobacco use and tobacco-related diseases. For more information about the American Lung Association, a holder of the Better Business Bureau Wise Giving Guide Seal, or to support the work it does, call 1-800-LUNGUSA (1-800-586-4872) or visit: Lung.org.
About CURE®:
CURE Media Group is the leading resource for cancer updates, research and education. It combines a full suite of media products, including its industry-leading website, CUREtoday.com; innovative video programs, such as CURE Connections®; a series of widely attended live events; and CURE® magazine, which reaches over 1 million readers. CURE Media Group is part of the Cranbury, New Jersey-based Michael J. Hennessy Associates, Inc. family of businesses, which includes the acclaimed OncLive® (www.onclive.com) platform of resources for the practicing oncologist. For more information, visit curetoday.com or www.mjhassoc.com.
About Rare Disease Communications®
Rare Disease Communications® is a healthcare communications and media company focused on the rare disease community and dedicated to raising awareness of rare diseases and orphan drugs so patients will be diagnosed and treated more efficiently. Rare Disease Communications® is part of the Michael J. Hennessy Associates, Inc. (MJH Associates) family of businesses, based in Cranbury, New Jersey. MJH Associates is dedicated to improving quality of life through healthcare education, research and communication. To learn more about MJH Associates, visit www.mjhassoc.com and for Rare Disease Communications, visit: www.raredr.com.
About MD Magazine®
MD Magazine® is a comprehensive clinical news and information portal that provides physicians and other healthcare professionals with up-to-date, specialty- and disease-specific resources designed to help them deliver better care to patients. Readers have access to breaking news, video interviews with physician experts, in-depth conference coverage, finance and practice management updates, insight and analysis from physician contributors and other resources. MD Magazine® is part of Michael J. Hennessy Associates, Inc., a full-service healthcare communications company offering education, research, and medical media. For more information, visit www.mdmag.com.
About Contagion®
Contagion® is a fully integrated news resource covering all areas of infectious disease. Through our website, quarterly journal, email newsletters, social media outlets and Outbreak Monitor, we provide practitioners and specialists with disease-specific information designed to improve patient outcomes and assist with the identification, diagnosis, treatment and prevention of infectious diseases. Our mission is to assure that the healthcare community and public have the knowledge to make more informed choices and have a positive impact on patient outcomes. For more information, visit: http://www.contagionlive.com/
About Michael J. Hennessy Associates
A full-service healthcare communications company offering education, research and medical media, Michael J. Hennessy Associates, Inc., is dedicated to providing healthcare professionals with the information and resources they need to optimize patient outcomes. The Cranbury, New Jersey-based company combines the reach and influence of its powerful portfolio of print and digital product lines, live events, educational programs and custom market research with the customer service focus and customization capabilities of a boutique firm. Clients include world-leading pharmaceutical, medical device, diagnostic and biotech companies. For more information, please visit http://www.mjhassoc.com.


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The Best Vineyards Wedding Photographer
What can I say about The Vineyards Caterers that you can't see for yourself in these beautiful wedding photos. They have one of a kind grounds that have everything from of course a large vineyard, to a beautiful gazebo and a stunning walk way. With all of these features it makes for a photographers dream catering hall to creative unique and creative wedding photographs.
One of the things that stood out to me when we photographed this brides wedding was how amazing the grounds at The Vineyards were in every direction you looked. We photographed the fun bridal party photos right on the paved walkway in the garden area. We used the tall trees as the backdrop and I really think the simplicity of the backdrop makes the fun bridesmaids and groomsmen photos look that much better.
We decided to photography the traditional family photos inside of the Vineyards because it was over 90 degrees. The uplighting in the main ballroom played a big factor in choosing the location of these wedding images.
We then went back outside to photograph the newlyweds together. I wanted to make sure I made full use out of the Vineyards massive grounds. After all that is one of the major deciding factors when the couple choose when booking this Long Island Catering hall. We used the side of the vineyards for some dramatic landscape wedding photos. Then we walked and used in inside of the vineyard for some candid and creative images. Overall it was a great shoot and I can't wait to go back again.


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It's being reported that Apple's as yet unannounced next-gen iPods, that are said to boast built-in cameras, are facing production delays.
A rumour about a rumour if you will, the report from AppleInsider, comes just a day before Apple's high profile September event that's thought to be the launch pad for the new range.
A French Mac site is reporting similar, while AppleInsider's info comes from "a person with a strong track record in predicting Apple's upcoming product launches".
From AppleInsider: "The iPod maker has experienced technical problems (bad parts) with the cameras modules. The person said that it was uncertain whether the new hardware, which has been widely expected to debut at Wednesday's 'Only rock and roll' media-centric event, would make the cut for early September retail distribution".
A delay rumour about as-yet unconfirmed products goes some way to show how much hype Apple's press events generate. Fans will no doubt be hoping that the product announcements justify such pre-publicity. That, and that the delay is not considerable.


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we had to write a review based on the movie that was shown to us and we are required to apply the comm skills we aquired in class earlier into the review.
due date: after chinese new year.
met cai lin today during lunch.
cai lin: eh what you guys do for classes today ah?
us: we watched a movie today during human comm class owh.
cai lin: fwah~ it's like you guys paid 4000+ per sem just to watch movies during class man.
us: ....
putting it like that really makes us think twice about foundation. haha.
everytime i look at my student ID i want to run and scream and burn down the school for giving me a picture like that.
and the woman at the student services center said i'm stuck with that blardy picture for the next FOUR YEARS OF COLLEGE!!!!
and so i HAD to think of something to save me from the embarrassment...
i drew a picture of a yellow box and placed it in front of my picture.
I MET DANIEL AKA HAN THU AT COLLEGE TODAY!! he was just having lunch at the mamak stalls situated in the campus but turns out that he lives in my area too. : )
see me become a squealing bunch of craziness for my olaf. : DDD


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Interschool Athletics Tryout and Participation Form
If you want to try out for any teams you need to get this form printed and filled out. The form contains four pages please hand it in to your Physical Education Teacher or the Coach of that team. Click here to download the form.


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Last week however, that was turned on its head. Just around the corner from our apartment is a street lined with little shops selling all the daily essentials - fruit, veg, water, etc, in some cases they are also home to the vendors. But today when I went down the street, I didn't see the familiar faces, the children running about and the bustling street; instead it was a mess of broken homes, lost people and bull dozers. It took my breath away.
Of course there are two sides to every story and I'm fully aware that I don't know all the information. I know it can be complicated; is it the classic big city immigration from the surrounding rural villages, arriving with no jobs, nowhere to live, not paying any taxes, using the water, hacking into the main electricity line while other, hard working Bangalorians are following the rules and paying taxes? Whatever the situation, as a visitor it's hard to see, and hard to understand.


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Special issue: External Quality Assessment in Laboratory Medicine
Original papers
Jasna Lenicek Krleza*1,2, Adrijana Dorotic1,3, Ana Grzunov1,2. External quality assessment of medical laboratories in Croatia: preliminary evaluation of post-analytical laboratory testing. Biochemia Medica 2017;27(1):144-52. https://doi.org/10.11613/BM.2017.018
Introduction: Proper standardization of laboratory testing requires assessment of performance after the tests are performed, known as the post-analytical phase. A nationwide external quality assessment (EQA) scheme implemented in Croatia in 2014 includes a questionnaire on post-analytical practices, and the present study examined laboratory responses in order to identify current post-analytical phase practices and identify areas for improvement.
Materials and methods: In four EQA exercises between September 2014 and December 2015, 145-174 medical laboratories across Croatia were surveyed using the Module 11 questionnaire on the post-analytical phase of testing. Based on their responses, the laboratories were evaluated on four quality indicators: turnaround time (TAT), critical values, interpretative comments and procedures in the event of abnormal results. Results were presented as absolute numbers and percentages.
Results: Just over half of laboratories (56.3%) monitored TAT. Laboratories varied substantially in how they dealt with critical values. Most laboratories (65-97%) issued interpretative comments with test results. One third of medical laboratories (30.6-33.3%) issued abnormal test results without confirming them in additional testing.
Conclusion: Our results suggest that the nationwide post-analytical EQA scheme launched in 2014 in Croatia has yet to be implemented to the full. To close the gaps between existing recommendations and laboratory practice, laboratory professionals should focus on ensuring that TAT is monitored and lists of critical values are established within laboratories. Professional bodies/institutions should focus on clarify and harmonized rules to standardized practices and applied for adding interpretative comments to laboratory test results and for dealing with abnormal test results.
Key words: post-analytical phase; standardization; external quality assessment; questionnaire
Received: March 10, 2016 Accepted: October 09, 2016
Comparability of laboratory test results depends on standardization of all phases of laboratory testing, including pre-analytical, analytical and post-analytical phases. Pre-analytical and analytical phases of laboratory testing aim to generate an accurate test result, while the post-analytical phase - when the clinician receives the test results, interprets them, and uses them to make diagnostic and therapeutic decisions - aims to reduce errors or bias associated with the hand-off from laboratory to clinician. The most frequent errors in the post-analytical phase are erroneous validation of analytical data, failure to report test results to appropriate parties, excessively long turnaround time (TAT), mistakes in data entry, manual transcription errors and failure or delay in reporting critical values (1).
Despite the obvious importance of the post-analytical phase to overall laboratory performance, many providers of external quality assessment (EQA) schemes do not take into account the post-analytical phase (2). In 2009, the Croatian Chamber of Medical Biochemists (CCMB) and Croatian Society of Medical Biochemistry and Laboratory Medicine (CSMBLM) assessed the state of pre- and post-analytical procedures in medical laboratories across the country (3). The results indicated urgent, substantial need for improvement. Therefore, a nationwide EQA scheme covering the post-analytical phase was implemented in 2014, administered by the Croatian Centre for Quality Assessment in Laboratory Medicine (CROQALM) within the CSMBLM. The EQA scheme is implemented modularly three times per year. The CCMB made participation in the scheme mandatory for all medical laboratories in Croatia in 2013 (4). In the second EQA exercise of 2014, pilot modules on pre- and post-analytical phases were introduced; in all three EQA exercises of 2015, Module 11 dealing with the post-analytical phase was performed.
The present study was undertaken to evaluate to what extent the recently introduced nationwide EQA scheme for the post-analytical phase of laboratory testing has influenced laboratory practice in Croatia. Since laboratories showed substantial variation in post-analytical practices before the scheme (3), we felt it necessary to evaluate the success of the EQA scheme at this early stage in order to identify the more important issues and implementation gaps and thereby help regulators and laboratory directors focus their energies more efficiently in the coming years. In a separate publication, we will assess pre-analytical procedures using an EQA module for the pre-analytical phase developed by the CSMBLM.
Module 11 is an educational module about the post-analytical phase of laboratory testing, and it contains an optional questionnaire that presents medical laboratories with routine post-analytical scenarios where standardized practices exist under the Croatian EQA scheme or where clear rules are lacking ('grey areas'). The present study retrospectively analysed laboratory responses to this questionnaire in 2014-2015 in order to (a) gain on-the-ground insights into current laboratory practices in Croatia and (b) identify the most urgent areas for improving the standardization of the post-analytical phase in Croatian laboratories.
Materials and methods
Study design
This retrospective, longitudinal study involved analysis of the responses of Croatian medical laboratories to a questionnaire distributed during four national EQA exercises conducted in September 2014 and in May, September and November 2015. During this study period, 194 medical laboratories were registered in the Croatian health care system, comprising 125 (64%) medical laboratories from primary health care facilities (including private medical practices and private laboratories) and 69 (36%) medical laboratories from secondary and tertiary health care centres (clinical hospital centres, clinical hospitals, general hospitals, national hospitals, and special hospitals). Although all medical laboratories were obliged to participate in the national EQA scheme, their responses on the questionnaire were voluntary. Laboratories were told that their responses would not affect their overall assessment from CROQALM. No fees or compensation were involved in completing the questionnaire.
Data from all responding laboratories were used in the present study; no exclusion criteria were applied. When they filled out the questionnaire, laboratories gave consent for the data to be stored and used by CROQALM for group-level analyses. Members of CROQALM signed statements that they would safeguard the confidentiality of EQA data.
Questionnaires have been proposed as an effective method for assessing the post-analytical phase during EQA exercises (2). The Croatian EQA questionnaire was designed by CROQALM, approved by CSMBLM and CCMB, and distributed to all registered medical laboratories in the country. The responses were analysed by the EQA provider (CROQALM), and one of the authors (JLK) annotated the results in her capacity as EQA/CROQALM Module 11 coordinator. All these steps, from design to final analysis, were conducted via Web interface using inlab2*QALM software, specifically designed in 2011 for quality evaluation of medical laboratory performances (IN2 Group Ltd., Zagreb, Croatia). Medical laboratories receiving the questionnaire were instructed to ask their laboratory manager or laboratory professionals (or quality control manager) to fill it out.
The questionnaire was part of Module 11, entitled 'Post-analytical phase of laboratory testing', which explained post-analytical practices under the new Croatian EQA scheme. It consisted of closed-type questions covering four indicators of post-analytical quality proposed by the Working Group 'Laboratory Errors and Patient Safety' of the International Federation of Clinical Chemistry and Laboratory Medicine (IFCC) (5). The questions described specific situations or scenarios often encountered in routine practice concerning TAT, critical values, interpretative comments and procedures (repetition or additional testing) in the event of abnormal test results. Participants could choose only one of the offered responses for each question. Responses to 12 questions administered during one or more of the four exercises during the study period were analysed.
Data analysis
Data were not analysed statistically. Instead, results were reported as absolute numbers and percentages.
The number of medical laboratories participating in each exercise varied, as did the number that filled out the questionnaire; Figure 1 presents a histogram of response rates to questions. The response rate was always more than 80% of laboratories participating in the exercise.
Figure 1. Response rates for different questions on the Module 11 questionnaire during the four EQA exercises during the study period.
Table 1 presents the contents of the questionnaire, which varied with the exercise.
Table 1. Questions and possible responses on the Module 11 questionnaire, by EQA exercise, together with the number (%) of respondent laboratories choosing that response.
Responses to the questionnaire were analysed to determine to what extent medical laboratories comply with existing rules issued by professional bodies in Croatia, and to identify how medical laboratories are likely to proceed in frequent yet 'grey' situations where no clear rules exist. Frequencies of different responses to all questions are shown in Table 1 where answers that are clearly non-compliant with existing rules are emphasised in question comment. While laboratory respondents showed good knowledge of the definition of TAT, only approximately half of respondents reported that they routinely monitor TAT. Most respondents (85.7%) showed good knowledge of the definition of critical values (reflected in five questions) and of recommendations on how to apply the definition. On the other hand, the laboratories showed substantial variation in how they responded to certain questions about critical values; many lacked knowledge about age-dependent critical values and how to establish an intra-laboratory list of critical values.
The questionnaire presented respondents with three scenarios involving interpretative comments in order to understand to what extent medical laboratories in Croatia take an active role in interpreting test results and communicating those interpretations to clinicians orally or in writing. While laboratories varied in their responses to these scenarios, one third selected answers implying an active role in interpretation of test results, either via a comment written on the report or contact with the clinician and/or patient. In various situations, up to a third of laboratories issued results without additional activities.
The last group of questions asked laboratories how they proceed in the event of abnormal test results. For example, does the laboratory repeat the test and, if so, does it use the same or a new sample? Is the sample re-analysed using the same test procedure as before or a different procedure? After re-testing, are the initial and/or follow-up test results shown on the final report? Most laboratories reported that they repeat testing to verify abnormal results. Nevertheless, one third reported that they issue results without such verification.
Harmonization and standardization of pre- and post-analytical phases of laboratory work are essential for good clinical care. Since 2007, ISO standard 15189 has included assessment of pre- and post-analytical phases of testing as one of the requirements for accreditation of medical laboratories (6). Nevertheless, many providers of EQA schemes do not systematically assess the post-analytical phase (2). Since 2014, all medical laboratories in Croatia are required to participate in a national EQA scheme that includes post-analytical assessment. The present study aimed to assess the current state of laboratory compliance with the EQA scheme, as well as identify areas where clearer rules - or the first set of rules - need to be developed at the national level. This is an urgent problem, because only 11 of 198 (5.5%) registered medical laboratories in Croatia are ISO 15189 - accredited, and most are planning to enter the accreditation process soon (7). In the present study, we retrospectively analysed the responses of medical laboratories to the Module 11 post-analysis questionnaire incorporated in the Croatian EQA exercises since 2014. This questionnaire focused on the four main quality control indicators of the post-analytical phase of testing. Our results indicate substantial heterogeneity in how medical laboratories in Croatia proceed in situations where no clear rules or guidelines exist.
TAT is a frequently used quality indicator: it is easily tracked through the laboratory informatics system, and ISO 15189 mandates that the TAT be established for each type of test, through consultation between laboratory and clinician (item 5.8.11) (6). One challenge with standardizing TATs across laboratories is that the definition of TAT can vary depending on whether the laboratory is a primary, secondary or tertiary facility and whether the test is routine, emergency or specialized (8,9). Our results indicate that although most respondents know that TAT monitoring is an accreditation requirement, they do not have a monitoring system in place. Nevertheless, most respondents do record when the laboratory sample is received and when validated test results are obtained or reported. This likely reflects the widespread use of laboratory informatics systems.
ISO 15189 requires that laboratories apply standard procedures for recording and reporting critical values (items 5.8.1, 5.9.1 and 5.9.2) (6). Laboratories are also required to generate their own lists of critical values based on the local clinical situation, in consultation with clinicians (6,10,11). Most laboratories in our sample showed an understanding of critical values but not how to define own critical values list, or they neglected to adjust them based on patient age. In January 2015, CCMB published an updated and revised, ISO 15189 - compliant list of critical values (6,12), which includes critical values and reference intervals for neonatal patients (12,13). The recent release of this information at the national level may help to explain the heterogeneity in laboratory responses on our questionnaire. This information may help laboratories define their own lists of critical values and report critical values appropriately. Future work is needed to track laboratory - level implementation of this knowledge around the country.
Most medical laboratories reported that they confirm critical values with additional measurement before reporting, which is consistent with CCMB recommendations. Approximately one fifth indicated that they immediately report critical values without test repetition, which is consistent with practices at accredited laboratories in other countries (10,14,15) and reflects the fact that ISO 15189 - compliant laboratories may choose not to re-test in specific circumstances, such as when national guidelines in their country recommends it or when the use of advanced laboratory technology places the initial result beyond reasonable doubt. Recent published results of survey on critical results reporting in Croatian medical laboratories found high score for re-analyse critical results before reporting (16). In general, Croatian laboratories are in compliance with valid CCMB recommendation.
While those results based on a carefully designed scoring system are difficult to compare with our preliminary, descriptive results, the two studies may point to the need for more systematic research in this area.
Interpretative comments on the laboratory test report can improve treatment outcomes (17). They are a widely used quality indicator and, since 2007, an obligatory part of ISO 15189 accreditation (6). Although the CCMB has stated since 2004 that 'remarks related to the sample (lipemia, hyperbilirubinemia, haemolysis and others) are a mandatory part of every report of laboratory test results', the type, format and position of the comments on the report are not clearly defined (13), nor do CCMB guidelines indicate which comments necessitate contacting the clinician. Our results indicate that, depending on the situation, 3-35% medical laboratories do not flag abnormal results to the clinician, either in writing or orally. In addition, one third of laboratories neither repeats the test nor performs additional actions in an effort to confirm the abnormal results. Abnormal results may be significant for diagnosis and treatment, and may call into question the reliability of the test results. Including interpretative comments on lab reports can help prevent the release of incorrect or less reliable test reports (18-20). Therefore, our results identify an urgent need to revise and update CCMB recommendations about interpretative comments on test reports, as well as a need for the CCMB and other groups to define when tests or sampling should be repeated or additional tests performed.
A small proportion (12%) of respondent laboratories left open-ended comments to one or more of the questions; nearly all these comments were that their laboratory did not routinely encounter, or had never encountered, the scenario described in the question. This suggests that many laboratories feel they lack sufficient knowledge or experience to deal adequately with many post-analytical problems, despite the implementation of the Croatian EQA scheme. This suggests the need for greater training opportunities for medical laboratories in the country.
The present study presents a preliminary picture of the early stages of post-analytical EQA at the national level in Croatia. It is based on a sampling of medical laboratories from around the country and makes use of a questionnaire tailored to the logistical, clinical, and regulatory situation in Croatia. As with most questionnaire assessments, there is some risk that practices reported on the survey do not reflect actual practices in the respondent laboratory. To reduce this risk, we asked that the questionnaires be filled out by professional laboratory staff responsible for quality control. Another limitation of our study is that the response rate ranged from 81% to 90%, raising the possibility that our sample was biased. For example, perhaps laboratories that felt more confident about their knowledge and practices were more likely to respond to our survey. If this is true, then our study may underestimate the lack of alignment with post-analytical best practices, which only reinforces our conclusion that much more needs to be done to accelerate the harmonization of post-analytical procedures in Croatia. A third limitation is that the survey was not extensive enough to offer comprehensive insights into laboratory practices and attitudes. While this may have helped ensure a high response rate for the preliminary analysis here, future work may wish to look at these issues in greater detail.
In conclusion, assessment of post-analytical quality indicators such as TAT, critical values and interpretative comments are well recognized by both CCMB and ISO 15189, although clear definition of these terms, guidelines compliance and actions to be taken by laboratories are often incomprehensible. The results of Module 11 survey in Croatia highlights major obstacles to harmonization and standardization of post-analytical practices at national level. Future EQA exercises should reinforce the importance of filling out this survey.
The authors are grateful to the participating medical laboratories and their employees who filled out the questionnaire.
Potential conflict of interest
None declared.
1. Plebani M. The detection and prevention of errors in laboratory medicine. Ann Clin Biochem 2010;47:101-10. http://dx.doi.org/10.1258/acb.2009.009222.
2. Kristensen GBB, Moberg Aakre K, Kristoffersen AH, Sandberg S. How to conduct External Quality Assessment Schemes for the pre-analytical phase? Biochem Med (Zagreb) 2014;24:114–22. http://dx.doi.org/10.11613/BM.2014.013.
3. Bilić-Zulle L, Šimundić AM, Šupak Smolčić V, Nikolac N, Honović L. Self reported routines and procedures for the extra-analytical phase of laboratory practice in Croatia - cross-sectional survey study. Biochem Med (Zagreb) 2010;20:64-74. http://dx.doi.org/10.11613/BM.2010.008.
4. Croatian Chamber of Medical Biochemists. [Odluka HKMB o nacionalnoj kontroli za 2013. godinu]. (in Croatian) Available at: http://www.hdmblm.hr/hr/home-2/8-vijesti/214-odluka-hkmb-o-nacionalnoj-kontroli-za-2013-godinu. Accessed January 16th 2015.
5. Working Group Laboratory Errors and Patient Safety (WG-LEPS) of the International Federation of Clinical Chemistry and Laboratory Medicine: Model of Quality Indicators. Available at: http://184.108.40.206/MqiWeb/resources/doc/Quality_Indicators_Key_Processes.pdf. Accessed February 22nd 2016.
6. International Organization for Standardization. ISO 15189:2012. Medical laboratories – Requirements for quality and competence. Geneva, Switzerland: International Organization for Standardization; 2012.
7. Croatian Accreditation Agency. [Registar akreditacija]. Available at: http://www.akreditacija.hr/registar. Accessed March 5th, 2016. (in Croatian).
8. Hawkins RC. Laboratory turnaround time. Clin Biochem Rev 2007;28:179-94.
9. Sciacovelli L, O'Kane M, Skaik YA, Caciagli P, Pellegrini C, Da Rin G. et al. Quality Indicators in Laboratory Medicine: from theory to practice. Clin Chem Lab Med 2011;49:835-44. http://dx.doi.org/10.1515/CCLM.2011.128.
10. Kardum Paro MM. [Harmonizacija kritičnih vrijednosti]. In [Harmonizacija izvještavanja o rezultatima medicinsko biokemijskih pretraga: upravljanje poslijeanalitičkom fazom laboratorijskog procesa]. Flegar-Meštrić Z, ed. Zagreb:Medicinska naklada; 2014. (in Croatian).
11. Campbell CA, Horvath AR. Harmonization of critical result management in laboratory medicine. Clin Chim Acta 2014;432:135-47. http://dx.doi.org/10.1016/j.cca.2013. 11.004.
12. Croatian Chamber of Medical Biochemists. [Kritične vrijednosti laboratorijskih nalaza i Izvještavanje o kritičnim vrijednostima – izd 2]. Available at: http://www.hkmb.hr/dokumenti/povjerenstva/HKMB%20PPSP%208.pdf Accessed September 27th 2016. (in Croatian).
13. Croatian Chamber of Medical Biochemists. [Harmonizacija laboratorijskih nalaza u području opće medicinske biokemije. Izvještavanje o rezultatima laboratorijskih analiza]. Available at: http://www.hkmb.hr/obavijesti/aktualno/Harmonizacija laboratorijskih nalaza.doc. Accessed February 28th 2016. (in Croatian).
14. Hanna D, Griswold P, Leape LL, Bates DW. Communicating critical test results: safe practice recommendations. Jt Comm J Qual Patient Saf 2005;31:68-80.
15. The Joint Commission. Standards FAQ Details. Critical Tests, Results, and Values - NPSG - Goal 2 - 02.03.01. Available at: http://www.jointcommission.org/standards_information/jcfaqdetails.aspx?StandardsFAQId=394&StandardsFAQChapterId=103. Accessed February 27th 2016.
16. Kopcinovic LM, Trifunovic J, Pavosevic T, Nikolac N. Croatian survey on critical results reporting. Biochem Med (Zagreb) 2015;25:193-202. http://dx.doi.org/10.11613/BM.2015.019.
17. Plebani M. Interpretative commenting: a tool for improving the laboratory-clinical interface. Clin Chim Acta 2009;404:46-51. http://dx.doi.org/10.1016/j.cca.2009. 03.012.
18. Shahangian S, Snyder SR. Laboratory medicine quality indicators: a review of the literature. Am J Clin Pathol 2009 Mar;131:418-31. http://dx.doi.org/10.1309/AJCPJF8JI4ZLDQUE.
19. Perkov S. [Poslijeanalitički indikatori kvalitete]. In: [Harmonizacija izvještavanja o rezultatima medicinsko biokemijskih pretraga: upravljanje poslijeanalitičkom fazom laboratorijskog procesa]. Flegar-Meštrić Z, ed. Zagreb: Medicinska naklada; 2014. (in Croatian).
20. Challand GS, Li P. The assessment of interpretation of test results in laboratory medicine. Biochem Med (Zagreb) 2009;19:146-53. http://dx.doi.org/10.11613/BM.2009.014.


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Sana'a – Ever since demonstrations began in Yemen last January, the international medical humanitarian organization Médecins Sans Frontières (MSF) has been closely monitoring the situation in the country as it evolved. In Sana'a, Aden, Ta'ezz, Al Hudeidah and Hajjah, MSF teams are in contact with both Yemeni authorities and medical committees set up by demonstrators.
"Our teams have regularly visited ten medical facilities, including field hospitals set up by demonstrators, in Sana'a, Ta'ezz and Aden, among other locations, to offer our help in dealing with the influx of wounded people," said Dr.Vipul Chowdhary, MSF representative in Yemen. "What we found is that medical staff both in public and private hospitals, as well as in field health centres in the main areas where demonstrations are taking place, are very competent and committed. Health structures are generally well equipped in terms of both medical supplies and staff."
In Sana'a, Aden and Ta'ezz, MSF teams donated some medical material when there has been a heavy influx of wounded. Meanwhile the organisation is actively involved in medical evacuation and referrals of severely wounded patients to hospitals.
While MSF medical doctors, surgeons and anaesthetists are already present on the ground, MSF is ready to scale up its relief activities should the need occur, in keeping with its mandate of absolute impartiality and transparency towards all parties involved.
Meanwhile, MSF significantly scaled up its operations in Yemen during 2010, in order to provide medical care to most vulnerable.
In the north, where unrest continues to heavily affect access to healthcare for the most vulnerable, MSF is present in Saada, Amran and Hajjah governorates.
"Even if the war between the government and the Houthi group has officially been over for more than one year, violence regularly erupts in northern areas," explained Dr. Chowdhary. "This has a double impact on the population. On one hand, it continues to reduce people's access to healthcare, as roads are sometimes cut off and the rehabilitation of a war-torn health system is slowed down. On the other hand, thousands of displaced people either cannot or do not want to come back to their home villages, fearing violence or revenges."
In Saada governorate, MSF is supporting rural hospitals in Al Talh and Razeh, as well as another hospital in Saada town, in a bid to help offer free-of-charge medical care including surgery to the resident and displaced population. Also during 2010, MSF teams supported a large-scale measles immunization campaign in the governorate, immunizing some 120,000 children.
In Hajjah governorate, MSF dramatically scaled up its activities in Haradh in order to help displaced populations gain access to healthcare, including general consultations, maternal and reproductive care, hospitalizations, nutritional rehabilitation, surgery and psycho–social support.
In Khameer and Huth, Amran governorate, MSF launched an intervention in April 2010 to respond to increased medical needs after tens of thousands of people fled intense fighting in Saada. MSF then developed its activities to address the recurrent health needs of the resident population, offering services including emergency, life-saving care as well as surgery. In 2010, almost 10,000 emergency consultations were performed, while in the last three months of the year MSF performed more than 400 surgical interventions, out of which some 25 percent were related to violence.
In Lahj governorate, in the south of Yemen, MSF helps the Radfan district public hospital cope with the needs of the population affected by unrest. Between July and December 2010, more than 5,000 emergency patients received treatment and 392 surgical procedures were performed.
In addition, MSF initiated a partnership with the Yemeni health authorities to improve the treatment and reduce the stigmatization of HIV/AIDS in the capital city, Sana'a.
MSF reaffirms its commitment to the Yemeni people and its intention to continue providing medical-humanitarian assistance in the country, based exclusively on its impartial evaluation of medical needs.
MSF is an international NGO, providing humanitarian medical relief in more than 65 countries around the world, including Ivory Coast, Pakistan, Democratic Republic of Congo, Libya and Sudan. MSF does not accept funding from any government for its work in Yemen and chooses to rely solely on private donations.


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Product release 2017-07-27
- Redirects: Interference with page edits
Fixed an issue which prevented the ability to edit pages that contain redirects
- Page Not Found: Styling of related search results
Removed extraneous bullet points that appeared on "Page not found" related search result lists
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Fixed an issue which prevented results from updating properly when refreshing the page
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Fixed an issue which prevented the proper alignment of text after saving a page; occurred most often in tables
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Fixed an issue which caused special characters in page URLs to be encoded in the titles of those pages during export
- File Attachments: Attachment limit exceeded error message
Updated error message received when attempting to surpass the limit of 1000 attachments; "The file failed to upload." is now "You currently have 1000 attachments. The limit is 1000."
Feature enhancements
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Currently, pro members who attempt to follow a link to a page that no longer exists will trigger the creation of a new page. Sites can now be configured to prevent this, and instead, deliver an error, "Page could not be found," with links to related articles. If you would like to have this enabled on your site, please contact firstname.lastname@example.com.
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On August 2nd, all MindTouch sites will receive our latest editor. The new editor features a streamlined interface for an optimized use of screen space with no loss of functionality. This allows broad support for varied screen sizes, and gives editors and authors the ability to see even more content. Contact your MindTouch Customer Success Manager with any questions or comments. Here's a sneak peak:
Planned deprecations
There are no deprecations planned at this time.


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I have seen this take around the book blogging community and booktube and I've been meaning to get around to doing it for a while now, and today is that day! 🙂
1. Have you ever regifted a book that you've been given?
Just because not many of my friends read and those who do read completely different things to me xD
2. Have you ever said you've read a book when you haven't?
All the time when I was at school, usually for English Lit and I would then have to actually read the book, or at least some of it. Me and classics just have never really got on that much 🙁
3. Have you ever borrowed a book and not returned it?
When I was a kid we always we forgot to bring books back xD
I'm also pretty sure iv'e borrowed books from friends and still have them to this day :')
4. Have you ever read a series out of order?
Nope, unless it can be read out of order but I don't tend to – unless it's on accident anyway xD
5. Have you ever spoiled a book for someone?
Not on purpose, i'm pretty sure I probably spoiled a book for my sister at some point tho!
6. Have you ever doggy eared a book before?
Is that when you fold the corners on the page – if so nope. I hate when people do that to books!
Just use a bookmark 🙂
7. Have you ever told someone you don't own a book when you do?
Nope 🙂
8. Have you ever told someone you haven't read a book when you have?
Nope 🙂
9. Have you ever skipped a chapter or a section of a book?
Yep, usually when I find myself not enjoying the book and its just a chapter with a lot of info dumping and really boring.
10. Have you ever bad mouthed a book you actually liked?
No way, I hype up all books I like xD


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What are some of the features of a Guest Directory?
What is required of the hotel?
Your hotel or motel will be required to provide our sales person with a complimentary room and local phone and fax privileges for the duration of the stay, as always we will work with your schedule and never inconvienance you in any way. Your General Manager will need to provide us with your hotel/motel information to be included in the directory as well a list of any merchants you request to be a sponsor. Once your Guest Directory proof is ready, we will fax or mail your proof for you to review it for any changes, errors, or corrections and give your final approval.
Can we make changes to our directory through out the year?
Yes ,you are welcome to request changes by calling the office but please note, fees may be applied. If fees will be assessed you will be notified and approve the amount before the reprint is started.
What style directory is best for us?
If you are not bound by corporate guidelines we have many options for you and we can guide you in making the best choice for your establishment.


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|Posted by cheerleadingchs on January 21, 2014 at 1:35 PM
Saturday we attended CheerFest at Watertown High School, which is a competition I would recommend to anyone. Sherry & her crew are amazing and so nice. The Watertown girls are also very sweet, we wish them the very best fo luck this season! This was our second year attending, and I will continue to attend as long as I am coaching.
We went into Saturday not sure if we were going to be doing any performance at all. We worked hard and managed to finish learning the routine on Thursday night, however there just simply was not enough time to perform it with music and it would have been a coaching disgrace to have them compete. However, we DID perform an exhibition of the cheer portion of the routine. The girls had a rough warm up.. spacing was off, stunts were not hitting, motions were terrible -- our very first run through, they looked like they didn't even know there were motions at the very end of the cheer! However, in true Coventry High School Cheerleading fashion, they picked themselves up and they practiced the motions. We went over the motions to that section SEVERAL times before they went on to perform for real.
They kicked off the All-Girl Varsity portion of the day and did a great job! The pyramid was extremely solid (which was noted on their score sheet!) and the cheer looked pretty decent. Everyone looked like they knew the motions at the end as well! It was a performance they (and I) can be proud of. There are minor things that need adjusting and we definitely need to up the spirit level & tighten up the motions, but overall, a decent performance...especially given the are we or aren't we back-and-forth we went through all week as to whether or not they were going to do anything at all.
It was great experience for the girls who have never competed at a high school level before, and it was good for me to get some feedback on the cheer. The judges didn't really say much that I didn't expect at all, which is a good thing for me. I feel very good going in to the next 25 days as we prepare for the Windsor Warrior Challenge and then off to NCCC/Knight's Duel!
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Holden Colorado Bilstein Suspension
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Don't get caught out there with a product that won't bring you home again, get Bilstein Offroad shock absorbers – built to withstand Australia's offroad and outback conditions.
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We sell German made Bilsteins that are:
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This package also includes King springs and Leaf Springs.
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This happens every day in the NFL: A team or more waives one of their players and maybe that player clears waivers. After that player clears waivers, he becomes a free agent and then any team can pick them for their own team. It's nothing new. But why would a team claim a player on waivers when they are injured and most likely can't play in the upcoming season? It's a waste of money, right?
Jake Ballard, a young talented tight end, tore his ACL in the last Super Bowl, when his team beat the New England Patriots. He recently had surgery but failed his physical on Monday. Ballard, his teammates and the New York Giants front offices were hoping he would clear waivers so they could resign him and then he can return to the Giants and be put on IR for the season. But that's not going to happen with the Patriots around. And I don't get why the Giants took a risk like that when they want Ballard on their team and Bill Belichick knocking on the door.
The Patriots just recently signed their 23-year-old tight end, Rob Gronkowski, who is younger then Ballard, to a six-year deal worth $54 million. If that's not good enough for them, they have another tight end, Aaron Hernandez, who is younger then Gronk and had over 900 yards last season. So with that, of course, the Patriots need an injured tight end.
I do think it is a little on the fishy side that with 30 teams, only the Patriots put in claims for Ballard. Even though the Patriots took risks last season, over $3 million on Chad Ochocinco and Albert Haynesworth, it's clear they haven't learned their lesson. With them signing Jake Ballard, they're giving away one of their roster spots to a person who will not be able to play and money. Is this the beginning of a Spygate 2? Is Ballard going to be the inside man? Ballard played for the Giants who dominated the Patriots last season and played in the same stadium as the New York Jets. Well, I am not the NFL Commissioner yet, but if I were today, I'm keeping my eyes on the Patriots. This is hard because I have to keep my other eye on Tebow, making sure he knows he's backup to Sanchez. I hope you play your cards right, Ballard, because the Patriots own your rights for now. Good luck.


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Welcome to District 8
Festival Information
High School Solo and Ensemble Festival
High School Choral Festival
Middle School Choral Festival
Middle School Solo and Ensemble Festival
Festival Registration
Checks payable to MSVMA and invoices mailed to:
Adam Boyce
If you have questions about D8 events, contact the district manager. For other activities (honors choir, state festivals), contact the activity sponsor.
ActivitiesSpring Meeting 2018: Monday, May 7th, 5:30 - 7:30 p.m., Klavon's Pizzeria and Pub, 1361 Old McDevitt Avenue, Jackson, MI 49203
Agenda will include information about 2018-19 calendar and events as well as information from the Full Board Meeting. Please email Adam Boyce if you are interested or if you have questions.
Dinner will be provided. Please RSVP by May 3 including if you plan to bring student teacher interns.
Make sure that your MSVMA membership is active and that you have an up-to-date email address registered with the state office.
All information is distributed by email. There are no U.S. Postal Service mailings.


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