text:
Devils Pool (1895)/Chapter 10
Beneath the Stars
"THIS time I give up," said Germain, stamping his foot. "We are bewitched, that is certain, and we shall not get away from here before broad day. The devil is in this place!"
"Well, it 's of no use to get angry," said Marie. "We must take what is given us. Let us make a big fire. The child is so well wrapped up that he is in no danger, and we shall not die from a single night out of doors. Where have you hidden the saddle, Germain? Right in the midst of the holly-bushes,—what a goose you are! It 's very convenient to get it from there!"
"Stop, child; hold the boy while I pull his bed from the thorns. I did n't want you to scratch your hands."
'It 's all done. Here 's the bed, and a few scratches are not saber-cuts," replied the brave girl.
She proceeded to put the child to bed again, and Petit-Pierre was so sound asleep this time that he knew nothing of his last journey. Germain piled so much wood on the fire that the forest all about glowed with the light.
Little Marie had come to the end of her powers, and although she did not complain, her legs would support her no longer. She was white, and her teeth chattered with cold and weakness. Germain took her in his arms to warm her. The uneasiness, the compassion, the tenderness of movement he could not repress, took possession of his heart and stilled his senses. As by a miracle his tongue was loosened, and every feeling of shame vanished.
"Marie," said he, "I like you, and I am very sorry that you don't like me. If you would take me for your husband, there are no fathers, nor family, nor neighbors, nor arguments which could prevent me from giving myself to you. I know how happy you would make my children, and that you would teach them to love the memory of their mother, and with a quiet conscience I could satisfy the wishes of my heart. I have always been fond of you, and now I love you so well that were you to ask me to spend all my life in doing your pleasure, I would swear to do it on the instant. Please think how much I love you, and try to forget my age. Think that it is a wrong notion to believe that a man of thirty is old. Besides, I am but twenty-eight. A young girl is afraid that people will talk about her if she takes a man ten or twelve years older than she, simply because that is not the custom in our country, but I have heard say that in other countries people don't look at it in this light, and that they had rather allow a sensible man of approved courage to support a young girl, than trust her to a mere boy, who may go astray, and, from the honest fellow they thought him, turn into a good-for-nothing. And then years don't always make age. That depends on the health and strength a person has. When a man is used up by overwork and poverty, or by a bad life, he is old before twenty-five. While I—but Marie, you are not listening. . . ."
"Yes I am, Germain; I hear you perfectly," answered little Marie, "but I am thinking over what my mother used to tell me so often: that a woman of sixty is to be pitied greatly when her husband is seventy or seventy-five and can no longer work to support her. He grows feeble, and it becomes her duty to nurse him at the very age when she begins to feel great need of care and rest herself, and so it is that the end comes in a garret."
"Parents do well to say so, I admit," answered Germain, "but then they would sacrifice all their youth, the best years of their life, to calculating what will become of them at the age when a person is no longer good for anything, and when it is a matter of indifference which way death comes. But I am in no danger of starving in my old age. I am even going to lay by something, since I live with my wife's parents and spend nothing. And then, you see, I shall love you so well that I can never grow old. They say that when a man is happy he keeps sound, and I know well that in love for you, I am younger than Bastien; for he does not love you; he is too stupid, too much of a child to understand how pretty and how good you are, and how you were made for people to court. Do not hate me, Marie. I am not a bad man. I made my Catherine happy, and on her death-bed she swore before God that she had had only happiness of me, and she asked me to marry again. Her spirit must have spoken to her child to-night. Did you not hear the words he said? How his little lips quivered as his eyes stared upward, watching something that we could not see! He was surely looking at his mother, and it was she who made him say that he wished you to take her place."
"Germain," answered Marie, amazed and yet thoughtful, "you speak frankly, and everything that you say is true. I am sure that I should do well to love you if it did not displease your parents too much. But what can I do? My heart does not speak for you. I am very fond of you, but though your age does not make you ugly, it makes me afraid. It seems as if you were some such relation to me, as an uncle or a godfather, that I must be respectful toward you, and that there might be moments when you would treat me like a little girl rather than like your wife and your equal. And perhaps my friends would make fun of me, and although it would be silly to give heed to that, I think that I should be a little sad on my wedding-day."
"Those are but childish reasons, Marie; you speak like a child."
"Yes, that is true; I am a child," said she, "and it is on that account I am afraid of too sensible a man. You must see that I am too young for you, since you just found fault with me for speaking foolishly. I can't have more sense than my age allows."
"O Heavens! How unlucky I am to be so clumsy and to express so ill what I think! " cried Germain. "Marie, you don't love me. That is the long and short of it. You find me too simple and too dull. If you loved me at all, you would not see my faults so clearly. But you do not love me. That is the whole story."
"That is not my fault," answered she, a little hurt that he was speaking with less tenderness. "I am doing my best to hear you, but the more I try the less I can get it into my head that we ought to be husband and wife."
Germain did not answer. His head dropped into his hands, and little Marie could not tell whether he wept or sulked or was fast asleep. She felt uneasy when she saw him so cast down, and could not guess what was passing in his mind. But she dared not speak to him more, and as she was too astonished at what had passed to have any desire to sleep, she waited impatiently for dawn, tending the fire with care and watching over the child, whose existence Germain appeared to forget. Yet Germain was not asleep. He did not mope over his lot. He made no plans to encourage himself, nor schemes to entrap the girl. He suffered; he felt a great weight of grief at his heart. He wished that he were dead. The world seemed to turn against him, and if he could have wept at all, his tears would have come in floods. But mingled with his sorrow there was a feeling of anger against himself, and he felt choked, without the power or the wish to complain.
When morning came, and the sounds of the country brought it to Germain's senses, he lifted his head from his hands and rose. He saw that little Marie had slept no more than he, but he knew no words in which to tell her of his anxiety. He was very discouraged. Hiding the gray's saddle once more in the thicket, he slung his sack over his shoulder and took his son by the hand.
"Now, Marie," said he, "we are going to try to end our journey. Do you wish me to take you to Ormeaux?"
"Let us leave the woods together," answered she, "and when we know where we are, we shall separate, and go our different ways."
Germain did not answer. He felt hurt that the girl did not ask him to take her as far as Ormeaux, and he did not notice that he had asked her in a tone well fitted to provoke a refusal.
After a few hundred steps, they met a wood-cutter, who pointed out the highroad, and told them that when they had crossed the plain, one must turn to the right, the other to the left, to gain their different destinations, which were so near together that the houses of Fourche were in plain sight from the farm of Ormeaux, and vice versa.
When they had thanked him and passed on, the wood-cutter called them back to ask whether they had not lost a horse.
"Yes," he said, "I found a pretty gray mare in my yard, where perhaps a wolf had driven her to seek refuge; my dogs barked the whole night long, and at daybreak I saw the mare under my shed. She is there now. Come along with me, and if you recognize her, you may take her."
When Germain had given a description of the gray, and felt convinced that it was really she, he started back to find his saddle. Little Marie offered to take his child to Ormeaux, whither he might go to get him after he had introduced himself at Fourche.
"He is rather dirty after the night that we have passed," said she. "I will brush his clothes, wash his pretty face, and comb his hair, and when he looks neat and clean, you can present him to your new family."
"Who told you that I wish to go to Fourche?" answered Germain, petulantly. "Perhaps I shall not go."
"But truly, Germain, it is your duty to go there. You will go there," replied the girl.
"You seem very anxious to have me married off, so that you may be quite sure that I shall not trouble you again?"
"Germain, you must not think of that any more. It is an idea which came to you in the night, because this unfortunate mishap took away your spirits. But now you must come to your senses. I promise you to forget everything that you said to me, and not to breathe it to a soul."
"Oh, say what you wish. It is not my custom to deny what I have spoken. What I told you was true and honest, and I shall not blush for it before anybody."
"Yes, but if your wife were to know that just before you came you were thinking of another woman, it would prejudice her against you. So take care how you speak now. Don't look at me before everybody with such a rapt expression. Think of Father Maurice, who relies on your obedience, and who would be enraged at me if I were to turn you from his will. Good-by, Germain. I take Petit-Pierre in order to force you to go to Fourche. He is a pledge which I keep on your behalf."
"So you want to go with her?" said the husbandman to his son, seeing that the boy had clasped Marie's hands and was following her resolutely.
"Yes, father," answered the child, who had heard the conversation and understood after his own fashion the words spoken so unguardedly before him. "I am going away with my dearest little Marie. You shall come to find me when you have done marrying, but I wish Marie to be my little mother."
"You see how much he wishes it," said Germain to the girl. "Listen to me, Petit-Pierre," he added. "I wish her to be your mother and to stay with you always. It is she who does not wish to. Try to make her grant you what she has denied me."
"Don't be afraid, father, I shall make her say yes. Little Marie does everything that I wish."
He walked away with the young girl. Germain stood alone, sadder and more irresolute than ever.


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Thursday starts off sunny with temperatures in the 10s and 20s. High pressure is cold and strong, and this creates an inversion in the atmosphere, setting the stage for freezing rain Thursday night into Friday.
Another storm system approaching from the Gulf of Mexico will push clouds in during the afternoon. High temperatures will once again only be in the 20s and 30s. Snow, sleet, freezing rain and rain will all develop from south to north at night. Wind will increase out of the northeast, and we are in for a serious winter storm here first thing Friday. Wind from the northeast may gust past 45 miles an hour near the coast. With the water temperature in the lower 50s, coastal areas will see a change to plain rain.
But inland, it's a different story. It will be warmer up in the sky than down near the ground, so parts of southern New England may be raining with a temperature in the 20s to start Friday. In northern New England, where we were all snow last time, we get all snow again this time.
In-depth news coverage of the Greater Boston Area.
Any wintry mix may change back to snow before ending late Friday. It will be icy Friday night and early Saturday.
Accumulations of ice and snow will need to be honed as we get closer, but parts of southern New England may see 3 inches or more of snow, along with ice accumulations greater than a quarter of an inch. The mountains of northern New England should stay all snow with another six inches or more. Cancellations and delays appear likely Friday.
The weekend may warm up.
A warm front to our north on Saturday means we may be able to get back to the 40s in southern New England. But that front will slip south again Sunday, with a mixture of rain and snow showers possible. The forecast for next week is nearly impossible, as that front will be stalled over us, but it looks like more cold than anything, and the possibility of some more snow or mix right into Thanksgiving.


text:
Reviewed by: Charity Bishop
Starring: Hugh Dancy, Romola Garai, Hugh Bonneville, Jodhi May, Barbara Hershey, Greta Scacchi, Amanda Root | Produced by: Masterpiece Theatre | Distributor: BBC Films
Having a familiarity with the field of psychology, I have always found morality plays fascinating. If you delight in thought-provoking films with careful layers of morality and virtue, "Daniel Deronda" will be just your cup of tea. In addition to being a magnificent piece from a purely artistic perspective (the gowns, horse-drawn carriages, and exquisite English countryside will stir the hearts of even the most ardent modernist), it also offers a magnitude of ideal conversation starters. The miniseries is based on the classic novel by George Eliot, and is essentially two plots woven into one.
We are introduced to the beautiful Gwendolyn (Romola Garai, "Nicholas Nickleby") at the gaming tables, where she loses a fortune in roulette. Taken several months back in time, we see Gwendolen at the height of society. All the young men of the county, wealthy and impoverished alike, are in love with her. But as Gwendolen confesses, she has "not the nature to love" and does not particularly like any of them. Among her suitors is the imperial Grandcourt (Hugh Bonneville, "Iris", in an exceptional role), a wealthy squire with a mysterious past. His predatory nature has drawn him to the ravishing beauty, and he intends to "master" her. Gwendolen also feels a strong attraction to his financial stability but shrinks away when a terrible secret from his past comes to light. After fleeing to Germany and the gaming tables, she is informed her family has lost their fortune and she must return as soon as possible to England.
Pawning her necklace, Gwendolen is touched by the compassion of a stranger, who returns it to her with a note not to be so careless as to lose it again. Daniel Deronda (Hugh Dancy, "Black Hawk Down") is the ward of Sir Hugo, Grandcourt's wealthy uncle. Many suspect Daniel to be Hugo's illegitimate son. A man of a kind heart and wonderful sensibilities, Daniel becomes a savior to a young Jewish girl by saving her from drowning. Mirah Lapidoth (Jodhi May) is a consummate singer with a traumatic past. She was kidnapped by her father at a young age and forced to perform on the stage for money until her father's scheming became too much to bear. She has returned to London in the hopes of being reunited with her long lost mother and older brother.
In his search for Mirah's family, Daniel will come to desire information of his own history. Journeying into the Jewish community of London, he instead finds a mysterious man by the name of Mordecai who believes Daniel has been "chosen" to help his people. In the meantime, unable to submit to the humility of becoming a governess, Gwendolen instead allows herself to become swayed by Grandcourt's lavish attentions. Their engagement is announced, but his intentions are sinister. Eventually our spoiled heroine will come to learn that life's choices demand consequences. The two storylines combine into one for a powerful, thought-provoking conclusion, with a labyrinth of opportunity for discussion. From rationalizing and defending one's wrong choices to showing the difference between attraction and subtle, strong love, "Daniel Deronda" is a gem not merely for its beauty but also its hideousness.
The filmmakers have created a tasteful film that deals with many heavy subjects without becoming vulgar or crass. Too many movies go too far in showing us the bane of life; this one does it with modesty and integrity. We're aware that Grandcourt sexually abuses his wife, but only through the intensity in the scenes between them. There's virtually no sexual content, very little violence, and only mild profanity common to period pieces of this genre. Still, some elements are worth noting. Grandcourt is overly fond of sensuously kissing his wife's neck in an act of intimidation. On their wedding night, after she's become hysterical over the contents of a letter, he slides his hand into the neckline of her gown before she pulls away from him. (He then drags her into the bedroom and slams the door.)
There is some talk of mistresses. Gwendolen also befriends Daniel after her marriage, and some of their scenes together obviously contain attraction, but thankfully neither ever submit to even a kiss. (They do come close.) Gwendolen often shows varying amounts of cleavage in her gowns (and is shown briefly in an extremely low-cut corset).
The premise of the film is basically positive toward the Jewish culture, but lacks one of the book's most Christian passages of dialogue. Still, it's rare to see a respect toward any form of faith, particularly from the liberal BBC production company. The costuming is absolutely gorgeous, and there's not a weak link in the cast, which includes such well-known actresses as Barbara Hershey and Gretta Sacci. Fans of other period films will recognize actors from "Pride and Prejudice", "Persuasion", and "Emma." "Daniel Deronda" is not a perfect film entirely, but it's rare to find a wonderful Victorian bodice ripper where the bodice actually stays on.


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Automagically copy text with correct citations from Westlaw, Lexis, and other websites.*
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Vladimir Pozdnyakov leads IDC's office in Ukraine. Having joined IDC in 2005, he oversees the office's operations and research for the PC, server, peripherals, and telecoms services markets in the country. Mr. Pozdnyakov also helps monitor the Ukrainian economy and IT markets on a quarterly basis.
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A graduate of the Kiev Military Air University, Department of Control Systems, Mr. Pozdnyakov holds a Master's degree in Applied Mathematics.


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57762 NC Highway 12, Hatteras, NC 27943 – 252-986-2244
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Thanks for visiting our local small business. We're located in the heart of Hatteras Village on the island of Cape Hatteras, North Carolina. We hope you enjoy our great selection of local Outer Banks, regional, and American made arts, crafts and gifts. Our yarn shop features designer fibers, tools and notions. Many of our yarn-themed gifts and buttons are made locally, too!
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It is pure potential. Every ball or skein of yarn holds something inside it, and the great mystery of what that might be can be almost spiritual.
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Cape Hatteras, Outer Banks, North Carolina
From the ocean to the sound, and the night sky where you can still see the Milky Way, all of us who live in and visit the Outer Banks and the Cape Hatteras National Seashore are surrounded by inspirational views, animals in their natural habitat, breathtaking sunrises and sunsets over the ocean, and enough wonder and beauty to inspire us every single day.
Most of the work in the shop is created by Blue Pelican's owner and Hatteras Village native, Jennifer Johnson. Another large part is created by local artists/artisans and craftspeople. When we want to share something that we can't get locally, we look first for North Carolina crafters and then expand our search for unique handmade items, to American artisans.
And…the "and Yarn" part of our name? We have two rooms of the 1950's house, that is home to our local small business, full to the gills with yarn and more. We have handmade buttons you can't find anywhere else, kits for crochet, knitting and fiber arts. You should make the trip to see us if you're in the area, if only to see just how cleverly we have filled up the shop. If you want to learn knitting, weaving, crochet, macrame or any other kind of fiber art, we have a teacher who would love to talk more with you.


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Allow my past experience to be your lead…I have certainly been awarded for my work. I have been blessed to have been named a Top Producer, Platinum Club Member, Hall of Fame and a Lifetime Achievement Award Recipient in my industry.
You will find I have the Energy, Enthusiasm and Experience that you'll want and need!


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javascript revelations with revelo
Obfuscated javascript snippets are very popular; in all cyberdefense exercises we have participated in, obfuscated javascript was on the top of the scenarios list. Revelo is a very neat tool that can greatly assist in quickly analysing obfuscated code. Many thanks to KahuSecurity, for the continuous efforts to develop this tool!
var _0x2d61=["\x48\x65\x6C\x6C\x6F\x20\x57\x6F\x72\x6C\x64\x21","\x0A","\x4F\x4B"];var a=_0x2d61[0];function MsgBox(_0x2949x3){alert(_0x2949x3+_0x2d61[1]+a);} ;MsgBox(_0x2d61[2]);


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Clean Up Australia Day 5 March 2017
A big thank you to the 29 volunteers who came to the Clean Up Cape Paterson day on March 5th. This was part of Clean Up Australia which supports and encourages local communities, schools and businesses to clean up one day/year. 10 bags of rubbish and 10 bags of recycling were collected from the township, beaches and foreshore reserves.
Click on the title to read more and look at the photos.
The good turnout meant we could cover lots of territory, collect a couple of couches from 2nd surf beach(where they were at risk of floating off to sea) and clean up a bush hangout including the overflowing contents of a relocated council bin.
We followed up the clean up with a BBQ at Birt Park thanks to John Gilliland.
CPRRA is planning to hold a clean up day every year on the national Clean Up Australia day. We hope to see you there next year!
See below for photos from the mornings activity.
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CPRRA Members
Membership is open to "residents of Cape Paterson or ratepayers of the Bass Coast Shire owning property in Cape Paterson" (Constitution §4.3).
To join, simply fill-i the Membership Applicationon the left and pay the membership fees.
You can download the Rules of Association by clicking here
CPRRA is a not-for-profit
Whale Watch
There are many whales seen in our area but few sightings are formally recorded - so there is no evidence of these. So, if you see a whale, please:
- Take a photo and/or note the fin and tail shape, plus any markings
- Note the time/day/location
Our Hoodies
We have two valuable Hooded Plover breeding sites at Undertow Bay and 2nd Surf Beach. Hoodies are endangered species with breeding success currently very low. To protect them you must:
- Read and follow signage
- Only observe them from a distance of 80-100m
- Keep your dog on a lead and well away from the birds.
To find out more about our Hoodies, click here


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MOBILE, Alabama -- Adult stem cells extracted during liposuction can be used to grow healthy new small-diameter blood vessels for use in heart bypass surgery and other procedures, new research shows.
The findings were presented today at the American Heart Association's Basic Cardiovascular Sciences 2012 Scientific Sessions in New Orleans.
The reason that's important, health officials said, is because millions of cardiovascular disease patients are in need of small-diameter vessel grafts for procedures requiring blood to be routed around blocked arteries.
These liposuction-derived vessels, grown in a lab, could help solve major problems associated with grafting blood vessels from elsewhere in the body or from using artificial blood vessels that are not living tissue, said Matthias Nollert, Ph.D., the lead author of the study, in a written statement.
Now, Nollert said, "small-diameter vessel grafts carry an inherent risk of clotting, being rejected or otherwise failing to function normally."
Nollert said the engineered blood vessels have good mechanical properties and "we believe they will contract normally when exposed to hormones. They also appear to prevent the accumulation of blood platelets -- a component in blood that causes arteries to narrow."
Here's how it works:
In the study, according to the American Heart Association, adult stem cells derived from fat are turned into smooth muscle cells in a laboratory, and then "seeded" onto a very thin collagen membrane.
As the stem cells multiplied, the researchers rolled them into tubes matching the diameter of small blood vessels. In three to four weeks, they grew into usable blood vessels.
Creating blood vessels with this technique has the potential for "off-the-shelf" replacement vessels that can be used in graft procedures, Nollert said.
The researchers hope to have a working prototype to test in animals within six months.
Co-authors of the study are Jaclyn A. Brennan and Julien H. Arrizabalaga.
Funding for the study was provided by the American Heart Association.


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Financial emigration is the process of changing your status with the South African Reserve Bank from resident to non-resident for exchange control purposes. Despite a common misconception, this does not effect your South African citizenship. The process of financial emigration may not simple, there can be significant financial benefits.
Whether financial emigration is right for you will depend on what kind of retirement savings and assets you hold. All South Africans have the annual R1 million single discretionary and R10 million (which requires a SARS tax clearance certificate) foreign investment allowances. These can be used for foreign investment and asset transfer without having to financially emigrate. However, if you have a retirement annuity that you would like to cash in, then financial emigration is the only option.
The complexity of your application depends on your unique circumstances, which is why it's best to use a South African financial emigration specialist. In our experience, we have found that the benefits usually outweigh the difficulties of this admin-heavy process.
Proceeds from your South African retirement annuities
Future inheritance funds without being subject to South African resident exchange control
Passive income from rental, dividends, director's fees or a salary
Proceeds from a third-party life policy
Access the full after-tax cash value of your RA.
Hedge against SA investment and currency risk.
Eliminate the risk of Rand volatility and depreciation.
Invest in international hard currency with the funds.
Once your South African pension transfers offshore, you may need advice on reinvesting and local tax implications of the destination country. Our consultants work closely with our team of wealth advisors, based in London, to make sure you get the best advice and use the most efficient tax structure.
Another option for South African expats in the UK, is to invest the proceeds of their pension scheme into a new (or existing) UK pension.
We have offered financial and migration solutions to South Africans abroad and at home for more than two decades. This makes us uniquely equipped to help you navigate the complex and time-consuming processes that are financial emigration and pension scheme recovery.
Consolidate your pensions, cut down on your administrative fees.
Your savings will be in a valuable, stable, well-traded currency.
If you move back to SA your pension will pay out in Pounds.
We are registered with the FCSA (South Africa), HMRC (UK) and the FCA (Australia)
We are an established player in the financial services and immigration industries.
You will have a dedicated specialist who will take care of you throughout the process.
Experienced tax experts will ensure that we find the most tax-efficient solution possible.
Our good relationship with insurance houses will ensure a hassle-free fund withdrawal.
You will have access to great currency rates when you transfer your funds abroad.
Our wealth division can help you invest your funds in the UK or anywhere else.
Receive a report on your position with regard to financial emigration and pension recovery.
Complete our free, no-obligation, online assessment
Your assigned South African financial emigration specialist will contact you to chat about your options
Receive your detailed report and quote on transferring the full value of your South African retirement annuities
Disclaimer: Please do not act in reliance on information published or advised without consulting a suitably qualified independent legal or other professional adviser of your own choosing. Sable International will not be liable for any direct, indirect or consequential loss or damage suffered by any person as a result of their use or reliance on any of the advice provided by any one, or all, of the professional advisers identified by Sable International.
Regent Square
Doncaster Road
Kenilworth 7708
+27 (0) 21 657 2120
25 Richefond Circle
Umhlanga 4320
+27 (0) 31 536 8844
One Croydon
12-16 Addiscombe Road
Croydon CR0 0XT
+44 (0) 20 7759 7514
9 Yarra Street
South Yarra
+613 (0) 8651 4500
Sable International is a trading name of 1st Contact Money Limited (company number 07070528), registered in England and Wales. We are authorised and regulated by the Financial Conduct Authority in the UK (FCA no. 517570), the Financial Services Conduct Authority in South Africa (1st Contact Money [PTY] Ltd - FSP no. 41900) and hold an Australian Financial Services Licence issued by ASIC to deal in foreign exchange (1st Contact Group - AFS Licence number 335 126).
Copyright © 2019
All rights reserved


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Shares and debentures both has a great contribution in a country's economy. But there are some most important difference between shares and debentures which are described below:
Difference between shares and debentures
- Position:
- Shareholders supply capital of the company
- Debenture holders provide debt to the company
- Ownership:
- Shareholders are the owners of the company
- Debenture holders are the creditors of the company
- Profit:
- Shareholders enjoy profit
- Debenture holders get a limited rate of interest
- Liability:
- Share holders are concerned about loss and profit
- Creditors are not concerned about loss and profit
- Managing the company:
- Shareholders do have a say in the management of the company.
- Debenture holders do not have any say in the management of the company.
- Meeting and election:
- Shareholders have a right to join in the company meeting and can take part election.
- Debenture holders do have no right to join in the company meeting or take part election.
- Rights and obligations:
- Share holders rights and obligations are written in the memorandum.
- Creditor's right and obligations are written in the articles.
- Sale of shares:
- A company can issue can shares at the start of the company or when it needs fund.
- Generally after formation a company can issue debenture to enhance loan.
- Indicate:
Share is not a unique deed. Share certificate or warrant indicates its owner. Debenture is a unique deed. It indicates its ownership.
- Security:
For selling a share it does not need any security.
For selling a debenture it needs to deposit a security
- Expression of decision:
- Share holders can express their decision to the company.
- Creditors cannot express their decision to the company.
- Winding up:
A company has to return all the debts first and at last shareholders get their money. At first the creditors get their money and at last the shareholders are paid.
You may like also
- Types of Joint Stock Company
- Balance Sheet Analysis
- Procedure of Bank Loan Against Debenture
- What is the Definition of Stock Exchange?
- Procedure of Bank Loan against Shares


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In August 2013, Benjamin M. Lawsky, the Superintendent of the New York Department of Financial Services (DFS), called on NACHA, which manages the development, administration, and governance of the Automated Clearing House (ACH) network for payment processing among banks, to work with the DFS to cut off access to New York customer accounts for illegal, online payday lenders. In November 2013, NACHA proposed several amendments to existing NACHA Rules and invited public comment.
Now, Lawsky has written to NACHA and its board of directors that the reforms that the organization has proposed,
"Do not adequately address the current abuses of the ACH network by ... payday lenders who make usurious loans in and to New York."
Lawsky continued in the letter,
"Unfortunately, NACHA's reforms do not go far enough and continue to leave New Yorkers vulnerable to predatory payday lending over the internet. Unless NACHA and its board of directors take bolder action, banks will continue to serve as a pipeline for the illegal activity by payday lenders who prey on consumers and brazenly violate New York law."
In the letter, Lawsky acknowledged that many of NACHA's proposed reforms represent a "positive step" toward preventing illegal activity, but argued that they could be further strengthened by the following additional measures:
Lawsky said that payday lending is illegal in New York under both civil and criminal usury statutes, but added that, in some cases, "lenders have skirted New York's prohibition on payday lending by offering loans over the internet, hoping to avoid prosecution." Lawsky said that illegal payday loans made over the internet and into New York must pass through the ACH network that NACHA administers.
In August 2013, Lawsky also demanded that 35 companies cease and desist offering illegal payday loans online in violation of New York law. Lawsky now says that the majority of these companies (at least 23) already have ceased providing payday loans in and to New York after receiving the letters from DFS. Additionally, he said, in December 2013, DFS announced that it was expanding its investigation into payday lending by sending subpoenas to 16 online 'lead generation' firms suspected of deceptive or misleading marketing of illegal, online payday loans in New York.
The text of the letter that Lawsky sent to NACHA is available below.
NACHA, The Electronic Payments Association Maribel Bondoc, Manager, ACH Network Rules 13450 Sunrise Valley Drive Herndon, VA 20171
Re: Request for Comment on Proposed NACHA Rules to Improve ACH Network Quality Dear Ms. Bondoc:
The New York State Department of Financial Services (the "Department") respectfully submits its comments to NACHA, The Electronic Payments Association, in response to NACHA's Request for Comment on Proposed Rules to Improve ACH Network Quality, published on November 11, 2013. The Proposed Rules seek to (1) establish a system of economic incentives for Originating Depository Financial Institutions ("ODFIs") to improve the quality of their originations; and (2) strengthen existing risk management and NACHA rules enforcement provisions.
Adopting NACHA's proposals would be a positive step toward further protecting the integrity of the Automated Clearing House ("ACH") network. However, the Department believes these proposals do not adequately address the current abuses of the ACH network by Originators such as payday lenders who make usurious loans in and to New York. NACHA can and should adopt stronger measures to prevent online payday lenders and others from using the ACH network to violate state and federal laws. The Department proposes additional steps that NACHA could take that are in the interest of all network participants, including:
Although many ODFIs and payment processors effect legitimate payment transactions through the ACH network, an increasing number have been initiating payments for high-risk Originators who may engage in illegal transactions, such as payday lenders, debt collectors, and credit repair companies. Of particular concern to the Department are transactions involving high-interest online payday lending, which are illegal under New York usury and other laws. In February 2013, the Department launched an investigation into the online payday lending industry and uncovered dozens of out-of-state lenders that used the Internet to solicit and provide illegal payday loans to consumers in New York. These lenders process illegal credits and debits in and to New York via the ACH network. The Department sent cease and desist letters to the lenders and took other actions to end online payday lending in New York.
While the Department's efforts have had a significant impact, the current ACH network lacks sufficient mechanisms to prevent payday loans from entering states like New York, where payday lending is illegal. Although NACHA rules require ODFIs to conduct due diligence sufficient to limit improper transactions, illegal payday loans continue to enter New York through the ACH network. To effectively address this serious problem, NACHA should implement the Rule changes currently under consideration and the additional steps that the Department proposes.
Proposed Rule Changes
1. NACHA Enforcement Authority (Section 10.4.1)
Under the current rules, NACHA has limited authority to initiate enforcement proceedings sua sponte or without the complaint of an ACH network participant who is party to the transaction. NACHA is proposing to extend its authority to initiate enforcement proceedings against ODFIs and Third-Party Senders who transmit ACH entries without proper authorization. As NACHA has noted in a letter to certain ODFIs dated August 9, 2013, "purported authorizations to pay illegal loans that are unenforceable under applicable state law do not constitute valid authorizations under the NACHA Rules."
NACHA must have the tools necessary to carry out its core mission of ensuring the integrity of the ACH network. Accordingly, the Department supports this proposed rule change because it will enable NACHA to initiate enforcement against financial institutions and payment processors that allow illegal activity, such as unlawful payday lending, to be conducted via the ACH system.
The Department further notes that under existing NACHA Rules, enforcement proceedings can be initiated based upon complaints of participating financial institutions. The Department believes that it is important that NACHA communicate to all financial institutions participating in the ACH network, through issuance of a policy statement, that initiation of transactions to repay loans that are void under state law violates current NACHA Rules. This will encourage ODFIs and RDFIs to file complaints with NACHA when they learn that the ACH network has been used to effectuate illegal payday loans.
2. Establishing Incentives for ODFI Compliance – Quality Fees (Section 1.11.1 I)
This proposal establishes fees that ODFIs must pay RDFIs when RDFIs return debit entries to ODFIs based on mistake, revocation of ACH authorization by the consumer, or stop-payment request. The proposed fees to be assessed against ODFIs depend on the reason for the debit returns. The purpose of the proposed change is to shift the costs associated with returned originations to ODFIs, who are ultimately responsible for monitoring Originators that transmit debit entries through the ACH system.
The Department views this proposed change as a positive measure insofar as it is intended to incentivize ODFIs to limit the number of unauthorized entries transmitted by Originators who abuse the ACH network. Although NACHA requires ODFIs to "know their customers," predatory online payday lenders still collect payment on usurious loans from New York consumers, even after they revoke ACH authorizations or submit stop-payment requests to their banks. This activity reflects a failure on the part of many ODFIs to adequately monitor their customers. The Department encourages NACHA to set the fees at levels sufficient to have an impact on ODFIs' due diligence failures to date.
3. Return Rate Thresholds – (Sections 2.17.2, 8.89 and Appendix Ten)
A consumer's bank is permitted to return a debit entry to an ODFI when that entry does not have a valid consumer authorization. NACHA relies on the rate of unauthorized returned debit entries to flag high-risk Originators and Third-Party Senders for investigation. NACHA's proposed rule change will reduce the acceptable return rate threshold for unauthorized debit transactions from 1 percent to 0.5 percent of debit entries. When an Originator exceeds the acceptable return rate, the ODFI is required to bring the Originator's return rate threshold within acceptable limits or face possible sanctions pursuant to the NACHA enforcement process.
Because a high return rate is indicative of improper activity, lowering the acceptable return rate threshold should allow NACHA to more quickly identify an increased number of problem Originators and Third-Party Senders. This is a positive step toward stopping Originators who abuse the ACH network. However, the Department has learned through its investigation that even under the current rule, payday lenders with unauthorized return rates far exceeding 1 percent have used the ACH network to collect illegal fees from New York residents. That illegal payday lenders continue to use the ACH system to effectuate illegal transactions demonstrates that there are insufficient consequences for exceeding the return rate threshold. More effective enforcement of NACHA rules is necessary to prevent Originators from engaging in illegal conduct through the ACH network.
4. Clarification Practices for Reinitiation of Returned Entries – Topic 2 (Subsection 184.108.40.206-3)
Under current NACHA Rules, Originators must obtain authorization from a consumer before reinitiating a debit after the consumer stopped payment on that transaction. The NACHA Rules currently permit resubmission of debit transactions only under limited circumstances. This protects consumers from having their bank accounts subjected to repeated abusive debit attempts. NACHA's proposal explains impermissible practices involving the resubmission of returned debit transactions. In particular, the proposal clarifies that an ODFI cannot resubmit a debit transaction that is returned for stopped payment unless the resubmission has been authorized by the consumer.
While the proposed change may add some clarity to the existing rule, the rule itself does not stop bad actors from resubmitting debits after consumers exercise their stop-payment rights. Under the current rule and the proposed clarification, these bad actors may continue to repeatedly debit accounts even after a stop-payment has been requested resulting in overdraft and other fees. The burden of identifying and stopping prohibited reinitations remains with the consumer. To effectively address abuses of the ACH payment system, more fundamental reforms are needed.
Mandatory Use of NACHA Databases
NACHA maintains two databases that are meant to assist ODFIs in conducting their NACHA-required due diligence for Originators and Third-Party Senders: the Originator Watch List ("OWL") and the Terminated Originator Database ("TOD"). OWL identifies Originators and Third-Party Senders that meet several objective risk criteria that are generally indicative of unsound business practices. TOD includes Originators and third-party payment processors that ODFIs have terminated for cause. TOD and OWL are provided only for informational, risk-management purposes; NACHA does not prohibit ODFIs from doing business with entities identified in its databases.
While NACHA believes that these databases are helpful tools in protecting the integrity of the ACH network, the vast majority of ODFIs do not consult them. NACHA should require ODFIs to consult both OWL and TOD as part of their due diligence efforts through a policy statement and a subsequent rule change. This proposal would result in a minimal burden to ODFIs, while widespread use of these databases would better prevent unscrupulous Originators from accessing and abusing the ACH network.
Further, NACHA should strengthen OWL by supplementing the database with information from state and federal regulatory and enforcement authorities. This change would provide ODFIs access to regularly updated information that would assist them in identifying Originators and Third-Party Senders that may abuse the ACH network, including through illegal lending.
Responsibility of RDFIs
A significant omission in the proposed rule changes is NACHA's failure to address the role of RDFIs in the processing of illegal transactions through the ACH system. While NACHA is correct to raise the bar on ODFIs to prevent the initiation of transactions that violate NACHA rules, RDFIs also have responsibility in preventing illegal transactions. RDFIs have an important role in the ACH network since they directly interface with their customers who are the victims of abusive Originators. Currently, under NACHA Rule § 3.7, when consumers direct their banks to stop payment on ACH transactions, the banks must honor those requests. This is a crucial protection against unauthorized debits by illegal payday lenders. These stop-payment requests must remain in effect until the customer withdraws the request. However, the Department has found that many RDFIs do not adequately inform consumers of this right. In many cases, RDFIs do not stop transactions when consumers invoke their stop-payment rights, in violation of NACHA rules and federal law. These practices undermine important consumer protections. Further, NACHA depends on accurate data, such as the number of stop-payment requests, in order to flag problematic Originators. Thus, the failure to process stop-payments undermines NACHA's ability to protect the integrity of the ACH network. These deficiencies could be addressed by requiring all RDFIs, as a condition to participation in the ACH network, to adopt enhanced employee training and compliance protocols on stop-payment rights. NACHA should also adopt a rule change that would allow NACHA to initiate enforcement against RDFIs that do not comply with these enhanced training and compliance obligations. Such training and protocols would better ensure that RDFI employees inform consumers of their rights to stop payment when the consumers complain to their banks about abusive or unauthorized debits and will properly effectuate these stop-payment requests.
The changes NACHA has proposed represent a positive step. Unfortunately, NACHA's reforms do not go far enough and continue to leave New Yorkers vulnerable to predatory payday lending over the internet. Unless NACHA and its board of directors take bolder action, banks will continue to serve as a pipeline for the illegal activity by payday lenders who prey on consumers and brazenly violate New York law. The Department appreciates the opportunity to comment on NACHA's proposed rules, and would welcome further discussion on these suggestions. If you have any questions about these comments, please contact Executive Deputy Superintendent Joy Feigenbaum at (212) 480-6092 to discuss this further. Sincerely,
Benjamin M. Lawsky
Superintendent of Financial Services
cc: Members of NACHA's Board of Directors
Elliot H. Berman, Senior Vice President, General Counsel, Chief Risk Manager & Secretary, Johnson Financial Group
Janet Boyst, Executive Vice President, Operations & Technology, Atlantic Capital Bank
Mary Burchette, Senior Vice President, Global Treasury Management, U.S. Bank
Robert D. Edwards, Executive Vice President, PNC Bank
Chet Kimmell, President & CEO, Neighborhood Credit Union
Judy D. Long, Executive Vice President & COO, First Citizens National Bank
John E. Lucas, CCM, Managing Director, Treasury Services, BNY Mellon
Cynthia Murray, Head, Global Payment & Channel Solutions, Bank of America Merrill Lynch
Rick Rhoads, Senior Vice President, State Employees' Credit Union
William J. Schoch, President & CEO, Western Payments Alliance
Dennis Simmons, AAP, President & CEO, SWACHA – The Electronic Payments Resource
Amy Smith, AAP, CAE, President & CEO, The Payments Authority, Inc.
David Willis, Senior Vice President, Debit Cards & Funds Services, Navy Federal Credit Union
Sayantan Chakraborty, Managing Director, North America Head of Payments, Citibank, N.A.
Craig Vaream, Managing Director, Product Executive, J.P. Morgan
Richard Burke, Jr., Executive Vice President, Corporate Products & Services, TD Bank, N.A.
Pat Thelen, Executive Vice President, Treasury Management, Capital Markets & International Banking, UMB Bank, N.A., NACHA Chairperson
Colleen J. Taylor, Executive Vice President, Treasury Management, Capital One, NACHA Vice Chairperson
Russell K. Oatman, Senior Vice President, Corporate Treasury Services Group, First National Bank of Omaha, NACHA Secretary/Treasurer
Learn more: New York Expands Investigation into Online Payday Lending; New York Demands that 35 Online Payday Lenders 'Cease and Desist'; Should Congress Block State Regulation of Payday Lenders?; One of Nation's Largest Payday Lenders Settles Charges with CFPB; Payday Loan Complaints Now Being Accepted by Consumer Financial Protection Bureau
Contact the author at firstname.lastname@example.com.
For more information about LexisNexis products and solutions connect with us through our corporate site.
To better prepare your staff and safeguard your institution from further ACH regulations, consider an ACH Certification Program (AAP)
Excellent overview, Steven!


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Finally, there's a new way to make your fingernails look more like footwear.
Louboutin Nails, or #LouboutinNails, are trending among beauty bloggers and nail art amateurs.
Mimicking a classic Louboutin heel which has a red lining underneath the sole, Louboutin Nails paint the underside of a fingernail, i.e the part the no one sees and is never painted in traditional manicures, bright red.
While women have been DIY painting the bottoms of their off-brand footwear red for as long as red paint and Loubitouns have been for sale, this is a new trend in trying to emulate a pair of $1200 stilletos.
Perhaps using a $50 bottle of Christian Louboutin nail polish makes the style more legitimate to Loubitoun fans, but we're hoping this under-nail-pedicure never becomes a thing.


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Elizabeth Christian
Chief Executive Officer
Kristin Marcum is a communications strategist with more than 15 years of experience in media relations, public affairs, crisis communications and special event management.
In addition to managing ongoing partnerships with numerous clients, Marcum has overseen successful media campaigns for a number of short-term projects and announcements, including the LBJ Presidential Library's Civil Rights Summit in 2014.
Marcum joined Elizabeth Christian Public Relations in January, 1999, worked for the firm for three years, and rejoined ECPR in 2003. In the interval between her stints with the firm, Marcum worked in public relations for two of the firm's clients-KLRU-TV, Public Television for Central Texas, and ACS Inc., a Dallas-based Fortune 500 company. Marcum is a shareholder of Elizabeth Christian Public Relations.
A graduate of Texas State University, Marcum earned a Bachelor of Arts degree in Mass Communication with a public relations major and political science minor. In 2008, she completed specialized communications training related to defamation and other crisis communication situations in a Harvard Law School course entitled "Dealing with an Angry Public."
She is a graduate of Leadership Austin, a former Austin Area Research Organization McBee Fellow and a 2016 AU40 finalist. Marcum is a mentor for Manor Independent School District and a member of Ballet Austin's board of directors.


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BRUSSELS (Reuters) - World No.2 telecoms equipment maker Huawei has called for EU antitrust regulators to intervene in a dispute with InterDigital, saying the U.S.-based firm is demanding "exploitative" fees for use of its 3G mobile phone patents.
Huawei filed a complaint with the European Commission on Wednesday, after failing to reach a deal with the wireless technology patent holder, making it the latest company to take a patent grievance to the EU watchdog.
"Huawei ... has decided to take this action because it believes that the licensing fees that InterDigital is requesting are exploitative, discriminatory and violate FRAND policies," Huawei said in a statement on Thursday. It said such actions also breach EU antitrust rules.
"They would also penalize European consumers because the fees, if paid, would significantly increase the cost of Huawei's mobile devices and even restrict consumer access to telecommunications technology," Huawei said.
Under policies set by the European Telecommunications Standards Institute, companies must license standard-essential patents to rivals under fair, reasonable and non-discriminatory (FRAND) terms.
"InterDigital has not seen the complaint that was filed, so we can offer no specific response to whatever issues might be raised in the complaint," said Lawrence Shay, president of InterDigital's patent holding subsidiaries.
The wireless technology patent holder said it has a track record of licensing to more than 50 companies in the mobile industry that shows its commitment to reach mutually agreeable terms for such licenses.
InterDigital complained last year to the U.S. International Trade Commission about Huawei, Nokia and ZTE Corp, accusing them of infringing seven of its technology patents.
InterDigital, which has more than 19,500 patents and patent applications, made nearly $3 billion in royalties from 2G and 3G licences by December 31, 2011.
Huawei is the world's sixth biggest mobile phone maker. Based in the southern Chinese city of Shenzhen, it counts among its clients major carriers in China, southeast Asia, Africa and Europe.
In another telecoms patent-related case, the Commission is looking into a complaint by Microsoft that Motorola Mobility and its new owner Google charge too much for the use of Motorola's patents. Apple is another complainant against Motorola.
The EU's executive stepped into the patent war in January when it opened an investigation into world No.1 smartphone maker Samsung Electronics related to its patent disputes with Apple in courts across Europe.
Companies can be fined up to 10 percent of their global turnover for breaching EU rules.
InterDigital shares were down 3 percent at $25.12 in afternoon trade on the Nasdaq on Thursday.
Reporting by Foo Yun Chee, additional reporting by Supantha Mukherjee in Bangalore; Editing by Rex Merrifield and Mark Potter


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General Practitoners Specialists Practice Managers Practice Nurses
I holidayed to Japan in November to see the maples. Rather than once again endure the inanity of Japanese TV and CNN, I decided to spice up my evenings with some CME instead. This has the not inconsiderable added bonus of making my trip tax deductible – way to go Dr Pete!
After my recent short-lived experience as a baker on the reality TV series The Great Australian Bake Off my choice of course was easy. "Diet, obesity and eating disorders" was a bargain at $220 (inclusive of GST) with six CPD points attached.
When you choose view you can watch the lectures live exactly as they were presented to an audience of GPs in America. You can do this easily on any Windows device with a reasonably fast internet connection. Choosing download gets you the whole package to play with. If you are taking your laptop overseas you can just leave the lectures on it and watch them at your leisure. I only took my iPad, so I transferred the lectures via iTunes. They appear under movies in iTunes and in the videos app on my iPad. The lectures were great and presented in a sensible, practical way. Perfect for a busy GP!
Overall my experience with the offerings from Global Med Ed was very positive and is definitely going to be feature of future holidays and I have no hesitation in recommending it to my colleagues.
Dr Pete
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In mid-2015, residents on Wingo Street in Arleta contacted my office to let us know that there were massive encampments building up and causing a serious health and safety issue in the alley immediately abutting some residential properties. This walkway was completely blocked by garbage and debris. Neighbors were particularly concerned with the illegal activity happening at in this alley at night, as well as the serious fire hazard. In addition, the accumulation of trash and waste had created an awful smell for the neighborhood, and potential bio-hazard concerns. These conditions were right outside the windows of the people's home, and put kids in danger as well.
We got outreach workers out to work with the people camped here, and commenced a clean-up. We cleared the area, and picked up many dumpsters of trash. Subsequently, we've conducted, along with neighborhood groups, multiple clean-ups at the alley to make sure it remains clear. However, to make sure the neighborhood remained safe going forward, I identified some funding to have a gate installed at the entrance to this walkway. It was recently installed, and has made an incredible impact on keeping the neighborhood clean. We'll continue to monitor the situation, but I'm glad to help make sure neighborhoods aren't overwhelmed by conditions that put the health and safety of residents at risk.


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Building Roads of Success With The Leads Database
Telemarketing is really a powerful media of communication. Hearing the side of potential customers can be quite chaotic, but companies prefer this method to conduct data research on building their internal business contact database. The leads database creates bridges the gap between the company and their targeted audience.
Changes and shifts cannot be abolished in the world of business; everything is in motion and every company should keep up with the change. They should acquire feedback from their existing customers and imbue the data gathered into the next batch of products to attract more prospective clients.
The Internet can provide optimum speed in delivering their messages to their clients. Email marketing services is considered as a very efficient and productive way of online marketing. Marketing with the use of emails can allow the company to advertise their products to a foreign domain; this can highly increase revenue and can even establish outside relations.
Not only that, but online advertising in this method is considered to be cost efficient. Hence, the company will not be spending too much money on personalized messages. Freeing up a large amount of financial resources allows the business to focus on core processes, and even spearhead on additional projects.
Before the company would send out their newsletters, they need to categorize their list in order for their marketing campaign to go through smoothly and without too much hassle. An email marketing list gives the right niche of contacts of whom should be on the receiving end of their promotional emails. When the company sends out their mails, they need to make sure that the contents are truncated, informative, and not to mention creative.
Even if the company possess a list of other businesses that pose a high probability of purchasing products and services, they should procure a reliable database of potential, loyal clientèle. When acquiring such a business database, it does not mean that they should stick to commonplace marketing methods. They should always consider the value of respecting prospects to transform said target markets into long-term clients.


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How To Record Screen and Make Animated GIF on Mac OS X
Clicking on GIF will open GIF viewer where you can save, trip or upload GIF to GIFgrabber server. You can trim by giving start and end frame.
You can either save GIF on your system or upload it to the GIFGrabber server. Saving it to GIFGrabber server will give you the link of GIF. You can use this link to post the GIF on social media.
Also Check: 5 websites to create GIF animation
See the below GIF which I captured with this tool.


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Every day and every hour, human civilization expands, evolves, and mutates. These universal movements are chronicled by prestigious curator William A. Ewing in this stunning photographic exploration, Civilization. Ewing illuminates how contemporary photography, notably art photography, is fascinated by, and attempts to decode, the way we live today. This landmark publication is accompanied by an internationally touring exhibition produced by the Foundation for the Exhibition of Photography—a global cultural event for a global subject.
Eight thematic chapters are led by breathtaking imagery accompanied by essays, commentaries, and captions that illuminate the theme.The chapters, including "Hive", "Flow", "Rupture" and "Escape", explore the many faces of our shared civilization. From how we move goods and peoples to the complex relations of close-knit living, Civilization looks beyond the surface to the workings of the world, at the ways we live, work and play and at what happens when it all breaks down.
Visually epic and ambitiously popular in approach, Civilization will reach beyond the boundaries of the photography world to engage and connect with audiences worldwide.
"Bracing, intelligent, and important."
— Photograph Magazine
William A. Ewing
William A. Ewing has been an author, lecturer, curator of photography, and museum director for more than forty years. His many publications on photography include The Body (1994), Landmark (2014) and Edward Burtynsky: Essential Elements (2016).
Holly Roussell
Holly Roussell is an associate curator and art historian specializing in photography and contemporary art from Asia.


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This 56 year old smoker with a history of HIV and anal cancer presents with complaints of 1 month of gradual onset severe shortness of breath, much worse for the past week. Vitals: 82/46 130 98.6F 30 75%RA.
4 thoughts on "UOTW #65"
Pressure overload on the right venticle suggestive of pulmonary embolism.
Dear Ben,
I see some clots in RA; Am I right?The RV is not hypertophic;Why cardiogenic shock?The LV function seems good;The obstructive shock is more compatible with this patient!
Great clip. The right atrial mass could be chiari network since its not protruding to RV.. it seems not an acute process rather a chronic or acute on top of chronic pulmonary htn. .in acute PE, the TRV rarely exceeds 3m/s producing just mild pulmonary htn since the RV is not conditioned to do so


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I officially became an UnDiscovered Future World Tour Guide! I am now pretty much trained in every aspect of the Guest Relations Hostess at Epcot. It is a huge accomplishment and I am so excited to actually give my first tour. Which unfortunately won't be until March, but I can still add it to my resume! :)
Source: tumblr.com via Liz on Pinterest
On another note, can you believe it's the last day of January?! We are already going to be in the second month of 2013! This year is already flying by.
So here are just a few things I have to look forward to in the month of February:
1. In February my group of 6 fabulous ladies will be having another mini-reunion. 3 of 6 will be here in Florida at the same time.
2. I'm running (ok walking) my first Disney 5K!
3. I get to meet the fabulous Jessica from Lovely Little Things! We're gonna meet here at Disney and I'm gonna show Jessica why I love this place so much. She's been to Disney but never Hollywood Studios or Epcot. So it'll be fun showing both parks off to her!
4. I'll be getting my tax return this month! (gotta love tax season for this reason!)
5. Eating healthy and working out is going to get kicked up a notch.
6. Oh and Safe Haven comes out in theatres this month. I love me some Josh Duhamel.


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Most of the hackers are mostly programming experts who take up hacking as a passion. But there are some who do it purely for all the negative reasons; to harm people. Then there are parents who try
Introduction One has to realize that there are ideas and beliefs that not everything is as simple as it seems today. Some factors do play in when you are deciding on how to go about a certain
Adderall is a combination drug consisting of amphetamine and dextroamphetamine salts. It is mainly used to treat ADHD and narcolepsy medically. Also, it is used as a performance-enhancer. When
Property fraud is on the rise, but how can it happen and what can you do to prevent it? The tactics of scammers are becoming increasingly sophisticated with criminals carrying out identity theft,
Actually, that's a very good point raised in the title. The changing face of men's fashions is just that, it never really changed has it. For example, there is the design classic of the Mens
Like the electronic items and other household items, anyone can buy the shoes also from online. One good reason why you can buy it from online is that you will have the latest models readily
When it comes to the house, there are lots of things that you need to take care. However, talking about nameplate is one of the most crucial parts of your house. It's the first thing that your
Have you ever had about replica omega timepieces? If not yet, these are types of replica watches that suit the individuals who don't like spending too much one timepieces as well as those who love
People strive hard day and night to earn money so that one day they too will be able to buy or construct their house, like others. Whether it is big or small, people always are emotionally attached
Griddles are the pan or kitchen cooking utility used to cook more than one item at a time. It is mainly classified into two major types based on the cooking method. They are Stove top
Introduction Proper massage can be a healthy one for the body which can bring a stress free life, and can also help get the better body, so here we are to discuss one of the best massage parlours in
While the additional accessories and car features don't directly affect the performance of the vehicle itself, installing this allows drivers to use the car better. A simple upgrade in function


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55 Jane Street - West Village - Meatpacking District, New York
This 19' wide Federal-styled townhouse is located in theprestigious Jane Street known for it's old-New York charm and neighborhoodappeal. The building is well-maintained featuring 3 stories and 3residential units. Elegantly laid-out with fireplaces and generously sizedbedrooms.Access to garden patio through the garden floor . Highceilings and large windows light in great light and air. This townhouse features a 1 BR apartment on the Garden floor, a great layed out Studio apartment on the Parlor Floor and a Gorgeous Duplex apartment with a fantastic Terrace off the kiitchen above the Studio. Situated right next to 53 Jane Street, which is also for sale and offers a rare and unique combination opportunity. Entrances can be createdin the parlor floor connecting the two townhouses. Combined price is $10,700,000. In addition, floors can be converted to income-generatingfor investors. Contact us today for a private showing.
This listing courtesy of Douglas Elliman
Licensed Associate Real Estate Broker
F: email@example.com
Licensed Real Estate Salesperson
F: email@example.com


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Thought leader: AOA launches Health Policy Institute to inform policymakers and the public
AOA's HPI to support health policy that improves eye health and vision care. Read more >
AOA's HPI to support health policy that improves eye health and vision care. Read more >
June 29, 2017
Service award recognizes three VISION USA providers for their community work. Read more >
June 28, 2017
Plan ahead for Optometry's Meeting® 2018 in Denver.Read more >
June 27, 2017
HOD establishes clear priorities for the AOA, all aimed directly at safeguarding America's health and vision.Read more >
June 25, 2017
Day 2: House of Delegates convenes, Student Bowl draws crowd.Read more >
June 23, 2017
AOA pools learning, leading, connecting and advocating into its five-day national conference.Read more >
June 22, 2017
AOA releases second edition of diabetes clinical practice guidelineRead Now >>
What Medicare's 2020 PFS changes mean for optometryRead Now >>
Paraoptometric certification can boost a careerRead Now >>


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1.Tomatos:4 medium(boiled n blended)
2.Onion:1 medium(finely chopped)
3.Cinnamon:1 inch
5.Cloves:5 to 6
6.Bay Leaf:2
7.Corn Flour:2 spn
8.Oil:2 spn
9.Ginger Garlic Paste:1/2 spn
10.AjinaMotto(Tasting Salt):A pinch
11.Chilli Powder:Acc to Taste
12.Salt:Acc to Taste
13.Tomato Ketchup:1 spn
14.Pepper Powder
15.Bread:Cut them into cubes and fry them in oil and put them aside
16.Cream:1 spn
17.Chopped Cliantro/Mint:2 spn
1.Put a pan on flame and when heated add crushed cloves, elachi,cinnamon stick, bay leaves fry for few minutes then add onions till they turn smooth,add ginger garlic paste fry till the raw flavor is removed.
2.Add the blended tomato juice,salt,chilli powder, tasting salt , pepper powder and tomato ketchup, chopped cliantro stir well and let it boil.
3.Now add cornflour to water and make into smooth paste and add it to tomato mixture and boil till all the broth is disappeared.
4.When the mixture is boiled completely drain the mixture.
5.Serve it hot and garnish with cream and fried bread.
As I didnt have Bread at home so I spiked adding it...But adding Fried Bread adds good taste to the soup..


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In 2013, "Star Wars: A New Hope" became the first major motion picture to be dubbed into the Navajo language. more...
December 14 , 1911 : The first explorers reached the South Pole. more...
Learn something new every day
More Info... by email
VSAM stands for Virtual Storage Access Method. It is a method of managing files that is used mainly on mainframes but also on PCs. Specifically, VSAM can speed up access to file data by using a reverse index of records appended to files. This index is called a B+ tree.
VSAM is a kind of record-oriented file system. In this kind of dataset, information is stored as a collection of records. VSAM records can be of any length; they need not be of one set length. They are, however, organized into blocks called Control Intervals, which are measured in bytes. These Control Intervals are further organized into Control Areas, which are measured in much larger units.
VSAM can be organized into three types of dataset: Entry Sequenced Data Set (ESDS), Key Sequenced Data Set (KSDS), and Relative Record Data Set (RRDS). ESDS items are listed in the order in which they were input, regardless of any other consideration. Each item in a KSDS is assigned a unique numerical key, according to which the data set is indexed. RRDS items are organized by related record numbers, which can be set by users.
A perfect example of VSAM that millions of people use everyday is a FileMaker or Microsoft Access database. Accelerated spreadsheets, these databases contain a varied amount of columns, all of which contain alphanumeric information. Financial institutions have databases containing personal information on customers, and this is the kind of database we're talking about. For example, Henry Gale lives at 815 Wayland Avenue in Wayzata, Minnesota. Each item of information would be stored in its own column, for easy comparison.
These VSAM database applications allow users to configure the data in a variety of presentations and search parameters. The least search-friendly, at least initially, is ESDS, since its only method of organization is the potentially random order in which the data was entered. VSAM data that has keys or related records is much easier to present in an orderly fashion. Individual searches for names or numbers can be conducted, but more sophisticated search possibilities must have data organized in a different way in order to be most effective.
One of our editors will review your suggestion and make changes if warranted. Note that depending on the number of suggestions we receive, this can take anywhere from a few hours to a few days. Thank you for helping to improve wiseGEEK!


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The founders of the Boston Women in Product share their story of how they started in product management, some of the challenges they faced and how mentors helped them navigate through these experiences.
Cait Porte, Vice President of Product Management, Zmags
As my career in product management accelerated, so did my fear of being able to balance it all. Many times, I'd find myself struggling to figure out what the right thing to be working on was, especially because there were so many things that seemed like they were equally important. I was fortunate to have really great mentors and advisors throughout my career who helped me along the way.
There was one mentor in particular who helped me make a very difficult decision. I was in a product role at a small company that was going to be making some very big transitions in the coming months. There was an opportunity for a promotion or a lateral move. At the time, I felt like I had earned the promotion ahead of one of my other colleagues, but wasn't sure how to approach my new boss with the request. After sitting down several times and role playing different scenarios, I had one of the most difficult conversations with my boss that I've had in my career. There was no way to predict what the outcome would be, but my mentor was able to prepare me for many likely scenarios. The obvious two were getting the promotion or being told that I wasn't going to get the promotion. Good thing we prepared for the 'you're-not-getting-the-promotion' conversation. Unfortunately, I discovered I was not going to get the promotion, but because of the preparation I had with my mentor and the career advice I had received from others, I was able to walk away from the conversation with clear next steps for what I wanted to do in my career.
There are always going to be difficult conversations and unexpected outcomes; career advice and advisors help to eliminate that risk and prepare you for the worst (and sometimes the best) case.
Sarah Ptalis, Director of Product Management, GoDaddy
When I think back to the start of my product career, I remember how ambitious and impatient I was on a daily basis. After finally breaking into product management and living the job for less than a year, I wanted to know "what was next?" So much so that I would go to MeetUps, talk to family and friends, and even some colleagues about moving up in my career. Each of these outlets were cycled through weekly. Now that I was super experienced with a year under my belt, I didn't understand why things in my career were not moving faster. I should have been promoted or offered jobs left and right?!
On one occasion, I remember talking to a mentor regarding my dilemma. She told me to look back over the last six months and reflect on what I had learned, and ask myself if I was ready for "the next move" six months ago. To which I responded, "of course not!" I was in my first role and just starting to get into a groove six months ago. She continued to explain that just another six months and you will learn that much more given the expertise and context I had gained; learning is exponential. She was right. I put myself in check and kept my head down focusing on how I can help solve problems for the better of our customer and for the company. I learned so much more about product and even began collaborating with senior management. Additionally in this time, there was turnover and a new opportunity opened up. Ultimately this lead to career growth but I won't bore you with the details. The moral of the story is to be patient early in your career and listen to those that have been in your position before. At times you need to listen to your gut and take risks, but that's for another time.
Vanessa Ferranto, Senior Product Manager, Zipcar
I was never destined to be a product manager – at least I never realized this was where my path was going to lead me. After graduating from a degree in music, I began to evaluate my options for the next step in life. My story is the typical "I fell into product management" and it has been the best career fall I could have made.
I began as a Generalist (yes – that was really my title) in the financial services. The exciting part of this role was that I was in a technology start-up environment and would have the opportunity to wear many different hats: product, design, data analysis, marketing, customer support, project management, in addition to ordering office supplies and being tasked with grabbing coffee or lunch at times.
Because I did not have the typical background or education, I wasn't afraid to ask many questions, or find ways to further my understanding of the industry and role. In a few months, I was able to move into the formal title of Product Manager (while still doing all aspects of my generalist role) and what I learned at that first company has carried through with me today.
It is incredibly important to continue to grow in your role, realize you do not have all the answers and understand the value in collaboration with your team. There is always more to learn, regardless of how far you have come.
Join us on Thursday, September 22nd at Clypd in Somerville for a speed networking event where seasoned professionals share their experiences and answer your difficult questions.


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John (TY) Morrison
Construction Management
Phone: 208 -859-9763 | Fax: | Office: RUCH 306
I cannot think of a facet of architecture and the building industry that does not interest me and spark a thirst for knowledge of forces that affect what we do. Fundamentally, I see the building industry team, as a whole, that includes some of the best problem solvers in history. Such a broad claim and long duration is mostly because the need for shelter (a type of building) has obsessed humans for as long as we know or have discovered. Even codes that shape how we do what we do, have been around since King Hammurabi, that's nearly 4,500 years of code enforcement!
Recently, technology has accelerated the pace of project delivery and the complexity of solutions, such that a team of specialists is often required to meet client goals. Not everyone on that team can fully appreciate the skill-set of other team members: they just know others have to do their part. Frequently this leads to gaps in communication, where ideas and answers fall through the cracks, and that usually breeds discontent. My focus has been to help the team look beyond their individual comfort zone, envelop, silo or specialty and grasp the big picture.
I love that we have so many methods now to improve communication amongst the team. I fully adhere to sharing what I know (open-platform) so that it might help others in a process that is unique, partially repeatable, and improves how we initiate a (usually) unique archetype solution from initial desire to completion. During this process, I believe it is imperative to motivate the team to strive successfully to accommodate the user, visitor, occupant and even passer-by with the best, safest, most efficient solution we know and can envision how to produce.


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Adm. Robert "Rat" Willard returned to the islands yesterday "to assume the watch" as 31st commander of the Pacific Fleet, with a jurisdiction that extends to the Persian Gulf.
In hoisting his four-star admiral's flag at Pearl Harbor, Willard said: "The Pacific has never been more relevant in this rapidly evolving world."
Willard, who served as Pacific Fleet's deputy and chief of staff under Adm. Thomas Fargo, said there are "few leadership assignments that rival the traditions, history and operational opportunities of the Pacific Fleet."
The former F-14 Tomcat jet pilot said the prospects of this command are "thrilling, humbling and ... inspiring because of the legacy that it represents."
Willard, a 1973 Naval Academy graduate, replaced Adm. Gary Roughead in a command made up of 172 ships and submarines, 1,296 aircraft and 122,000 sailors, reservists and civilians. Roughead will become the head of Fleet Forces Command in Norfolk, Va.
Willard served as operations officer and executive officer of the Navy Fighter Weapons School in San Diego, as well as aerial coordinator for the Paramount-Tom Cruise movie "Top Gun."
He commanded the USS Kitty Hawk carrier group and headed the 7th Fleet in Yokosuka, Japan, before he was appointed vice chief of naval operations in March 2005.
Among the dignitaries who honored Willard were Adms. Michael Mullen, chief of naval operations, and Timothy Keating, who recently took over the Pacific Command.
Naval leaders from Japan, South Korea, Indonesia, Australia and Malaysia also were in the audience, along with retired Adms. Fargo and Richard Mackey -- two past leaders of the Pacific Command.
From the speaker's podium at Pearl Harbor's Kilo 8 pier, overlooking the USS Arizona Memorial and the USS Missouri battleship, Mullen praised Roughead for making anti-submarine warfare training a major goal during his nearly two-year tenure. He also spoke of Roughead's role in beefing up the Pacific Fleet's ballistic missile capabilities.


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This is our first post; exciting isn't it?
Sue, Ashley and myself hope that you'll come back often to read the stories, gig reviews and coming events we'll be posting here. We have other blogs on Blogger and Tumblr but here will be home base. By the way, please feel free to leave a comment if you wish; we love to hear from you. Really, we do!
Al (Mr Fish) Salmon.