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From the Investment Funds and Structured Products Branch, Ontario Securities Commission
What is the Investment Funds Practitioner?
The Practitioner is an overview of recent issues arising from applications for discretionary relief, prospectuses, and continuous disclosure documents that investment funds file with the OSC. It is intended to assist investment fund managers and their staff or advisors who regularly prepare public disclosure documents and applications for exemptive relief on behalf of investment funds.
The Practitioner is also intended to make you more broadly aware of some of the issues we have raised in connection with our reviews of documents filed with us and how we have resolved them. We hope that fund managers and their advisors will find this information useful and that the Practitioner can serve as a useful resource when preparing applications and disclosure documents.
The information contained in the Practitioner is based on particular factual circumstances. Outcomes may differ as facts change or as regulatory approaches evolve. We will continue to assess each case on its own merits.
The Practitioner has been prepared by staff of the Investment Funds and Structured Products Branch and the views it expresses do not necessarily reflect the views of the Commission or the Canadian Securities Administrators.
Request for Feedback
This is the 12th edition of the Practitioner. Previous editions of the Practitioner are available on the OSC website www.osc.gov.on.ca under Investment Funds. We welcome your feedback and any suggestions for topics that you would like us to cover in future editions. Please forward your comments by email to email@example.com.
Branch Name Change
Effective May 26, 2014, the name of the Investment Funds Branch was formally changed to the Investment Funds and Structured Products Branch.
In the last few years, there has been an increase in structured investment products the OSC primarily oversees which are sold to retail investors. Accordingly, the new name intends to better reflect the expansion of these product offerings in the market and the work of the Branch. The name change is also intended to signal that the OSC intends to treat comparable products sold to retail investors in a consistent way, despite their technical definitions in the Securities Act (Ontario).
Topical Reference Guide to the Practitioner
We recently posted to the OSC website a Table of Contents of prior editions of the Practitioner, organized by topic. We expect the table will be a useful and quick reference guide for locating topics discussed in previous editions of the Practitioner.
The Table of Contents will be updated concurrent with the publication of each edition of the Practitioner going forward. The Table of Contents can be found at http://www.osc.gov.on.ca/en/InvestmentFunds_topical-reference-guide.htm
Structured Products
Reference Asset Fee Disclosure
Staff have observed that some pricing supplements for linked notes, whose reference asset is a fund or exchange-traded fund (ETF), do not disclose the fees associated with the ownership of the reference asset.
We remind filers that fees charged by the reference asset reduce its return and therefore the return of the notes (which is normally based on the return of the reference asset). Staff expect that the Fees and Expenses section in a pricing supplement will disclose any fees charged by the reference asset that affect the return of the notes. This can be accomplished by disclosing the MER of the reference asset in the Fees and Expenses section of the supplement.
Autocall Notes Disclosure
In our reviews of prospectus supplements qualifying the distribution of linked notes, staff are increasingly scrutinizing linked notes that have autocall features (Autocall Notes).
Similar to many other linked notes, an Autocall Note is a note linked to the price return of one or more underlying assets, such as a market index, an investment fund or a basket of securities (the Reference Asset). However, unlike other linked notes, an Autocall Note is automatically called by the issuer of the note if the price level of the Reference Asset, on one or more particular dates, is greater than or equal to a pre-determined level. Therefore, if the Reference Asset performs well, it is likely that the Autocall Note will be called by the issuer.
When an Autocall Note is called, holders of the Autocall Notes generally receive repayment of their original principal investment in the Autocall Notes plus an interest payment, which may increase for each year that the Autocall Notes remained outstanding before being called. In this way, holders of Autocall Notes do not directly benefit from the positive performance of the Reference Asset, but rather receive interest payments if the Reference Asset performs well.
However, if Autocall Notes are not automatically called during their life, then, at maturity, the holder of an Autocall Note receives an amount calculated pursuant to a formula described in the Autocall Note's prospectus. Generally, this return is similar to the return the holder would have received by investing in the Reference Asset directly, with some limited downside protection. In this way, holders of Autocall Notes are exposed to the downside risk of the Reference Asset and they may lose substantially all their investment in the Autocall Note if the Reference Asset loses substantially all of its value.
Therefore, if the autocall feature is triggered, an Autocall Note typically behaves like a fixed income or money market security, in that it repays the principal amount plus interest. On the other hand, if the autocall feature is not triggered, the Autocall Note behaves like an equity security, as the payout at maturity will be based on the performance of the Reference Asset.
As a result of the interest payment, staff are concerned that an Autocall Note could be mistaken for (and sold as) an alternative to fixed income or money market securities, even though the holder of an Autocall Note has downside risk not usually present in fixed income or money market securities.
In order to alert investors and dealers to this issue, staff have begun to request that the front page of Autocall Note prospectus supplements include a textbox disclosing that the Autocall Notes entail downside risk and are not designed to be alternatives to fixed income or money market instruments.
Staff continue to consider this issue and the particular risk features of Autocall Notes and will provide further guidance as needed.
Representations in Merger Approval Decisions
Staff have observed recent applications which contemplate the merger of funds with significantly different investment objectives. In such applications, staff have required filers to make detailed representations in the decision document with respect to (1) the reason(s) for the merger; (2) the process that the fund manager undertook to choose the continuing fund; and (3) the reason(s) why the merger is in the best interests of securityholders versus alternatives such as terminating the fund. Staff are generally of the view that generic or boiler-plate statements about the reduction of operating expenses, increased diversification and/or a larger profile in the marketplace provide insufficient detail.
Suspension of Redemptions for Short-Term Trading
Staff recently reviewed certain preliminary simplified prospectuses which disclosed the ability of the fund manager to address short-term trading by 'blocking' the investor's account from further transactions for a certain period of time. The fund managers subsequently confirmed that this would include the suspension of redemptions.
We remind filers that, except in the circumstances contemplated by Part 10.6 of NI 81-102 Mutual Funds, a fund manager may not suspend redemptions. While fund managers should be addressing the adverse impacts of short-term trading, staff's general view is that suspension of redemptions is not a mechanism for this purpose.
Default Rate Feature -- Direct Payment of Ongoing Dealer Service Fees
Further to staff's continued focus on mutual fund fee structures and dealer compensation models, we have recently become aware of certain investment fund series that have a default rate feature attached to the direct payment by investors of ongoing dealer service fees. Staff have reviewed the disclosure documents of several fund families to evaluate the extent of this practice. While not all funds or fund managers have this practice, staff have seen similar disclosure among those that do.
As reflected in the disclosure, typically the fund manager does not pay trailing commissions for ongoing dealer services out of the management fee for these series. Instead, investors in these series pay their dealers directly and the fund manager facilitates this direct payment by regularly (typically, each quarter) redeeming investor holdings of the series and remitting the proceeds to the dealer.
In terms of the amount of the fee, the disclosure for these series typically provides that, in the absence of receiving instructions from the dealer as to the rate of the fee within a stated range (for example, 0 to 1.5% of average net asset value per security), the fund manager will apply a stated default rate, which may be as much as the maximum rate of the stated range (in our example, 1.5%).
We understand that fund managers may have introduced the default rate feature to help optimize the administrative efficiency of dealer back offices and assist dealers who may wish to transition from the embedded fee (i.e. trailing commission) model to a direct payment model of paying ongoing dealer service fees.
While we generally do not take issue with fund managers facilitating direct payment arrangements, and would expect that a maximum rate be disclosed where the fund manager facilitates such payments, staff are of the view that no such payment should be made pursuant to the application of a default rate. We further consider that disclosure related to the direct payment arrangement should be made in the "Fees and Expenses" section of a simplified prospectus in the table under "Fees and Expenses Payable Directly by You" rather than only in the "Dealer Compensation" section, as is often currently the case.
In staff's view, the default rate feature is inconsistent with a critical attribute of the direct payment series, namely the negotiation of the service fee, which is intended to provide investors with heightened transparency and a clear expectation of the services to be rendered in exchange for the negotiated fee. While the default rate feature may contribute to administrative efficiency, it may have the unintended consequence of replacing the negotiation of the service fee. Staff's view is that the default rate feature blurs the lines between the attributes of the direct payment series and the embedded fee (trailing commission) series and is potentially misleading for investors.
We have consulted with staff in the OSC's Compliance and Registrant Regulation Branch, who further note that ongoing dealer fees of this kind are "operating charges" that dealers must disclose to their clients under the provisions of Part 14 of National Instrument 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations.
We have indicated to filers our expectation that new funds not have a default rate feature. Going forward, we anticipate that on the reviews of renewal prospectuses, we will be asking fund managers for enhanced disclosure on these facilitated, direct payment arrangements, and in instances where a default rate feature exists, for the fund manager to tell us what would be a reasonable transition period needed to remove the application of any default rate.
We continue to review and monitor developments on mutual fund fee structures and dealer compensation models and will provide further guidance as needed. Issuers and their counsel are encouraged to contact staff in the planning stage of any structure that may give rise to questions concerning this issue.
Continuous Disclosure
IFRS Implementation
Investment funds, subject to National Instrument 81-106 Investment Fund Continuous Disclosure, are required to adopt International Financial Reporting Standards (IFRS) for financial years beginning on or after January 1, 2014. The first IFRS financial statements required to be filed will be the interim financial statements for the period ended June 30, 2014, which are due by August 29, 2014. Staff will be conducting a continuous disclosure review of the first IFRS financial statements. In addition to looking for IFRS compliance, we will be asking preparers general questions, such as how they have dealt with certain IFRS implementation issues, and for justification of accounting treatments under IFRS, such as how they have classified the investment fund's portfolio assets into the four categories of financial instruments.
Review of High Management Expense Ratios
Recently, staff completed a review of investment funds with high management expense ratios (MERs). In selecting our sample, we focussed on investment funds domiciled in Ontario, excluding labour sponsored investment funds due to their different fee structure. We sent letters to seven fund managers, asking questions relating to 11 of their investment funds which, in aggregate, had a net asset value (NAV) of $43.2 million.
Approximately half of the investment funds in our sample were selected because they disclosed MERs in excess of 5%. In our comment letters, we asked the fund managers of these funds to explain the nature and appropriateness of expenses charged to their funds. The average NAV for funds in this category was $3.4 million. These fund managers consistently commented that most fund expenses are fixed and the small size of the investment funds contributed to high MERs. The fund managers are planning to make their funds grow by focussing on marketing and distribution channels going forward, in an effort to increase the fund size and reduce MER. While fixed expenses are higher in proportion to the NAV of new funds, if such funds are not able to demonstrate that they are viable after a reasonable period of time, we would expect fund managers to consider all options available to them in order to improve performance, increase fund size, manage fund costs, achieve efficiencies of scale and, ultimately, reduce MER.
For the other half of our sample, fund managers had absorbed a significant level of expenses in order to present MERs after absorptions consistent with the industry average. We asked the fund managers whether this level of absorption was sustainable and what their plan was to reduce MERs in the future. Consistently, we heard that funds in this category were new funds and each fund manager intended to absorb expenses until their NAV grew to a size associated with an MER that investors would feel is reasonable. While waiving fund expenses is within the rights of fund managers, a pattern of absorbing expenses for many years may set investor expectations. Fund managers should make sure that those expectations are managed appropriately so that investors understand that waivers or absorptions could cease in the future, potentially resulting in a higher MER.
Process Matters
Materiality Thresholds for Repayments to Investors
On occasion, a fund manager has miscalculated and overpaid fees from a fund's assets due to error and then proposes to make repayments to investors. In certain instances, fund managers have proposed to make repayment to affected investors only where the repayment amount exceeds a materiality threshold of $50 per investor. These fund managers have submitted that the costs of mailing and the administrative burden of tracking down affected investors are significant if the materiality threshold is set below $50, such that the actual cost to the fund manager of making those investors whole exceeds the amounts owed to them. Some fund managers have pointed staff to The Investment Funds Institute of Canada (IFIC) Bulletin 22 Correcting Portfolio NAV Errors, last updated in December 2009, as support for a $50 threshold.
Staff note that Bulletin 22 has been removed from IFIC's public website and caution fund managers against placing too much reliance on that policy as it may be outdated. Fund managers should use their judgement in determining whether a $50 threshold is appropriate in their particular situation and be mindful of their statutory duty as fund manager when selecting a materiality threshold. In staff's view, that duty requires that fund managers have the obligation to make full repayment to investors. We continue to consider whether use of a threshold is appropriate in any circumstance and whether it is appropriate not to fully repay any overpaid amounts to investors.
Review Process Upon Clearing for Final Filing
Staff typically update the SEDAR project status "clear for final" to signal that we have generally completed our review of a preliminary or pro forma prospectus or prospectus amendment. Staff will often request a cumulative blackline before we "clear for final". Staff may agree to "clear for final" on the understanding that while we have generally completed our review, there may be certain non-substantive changes left to be reviewed on final filing.
On occasion, filers have asked staff to "clear for final" even though the filer expected to make further substantive changes to the prospectus. We remind filers that no substantive changes should be made to the prospectus after the SEDAR project status is "clear for final". In extraordinary circumstances where substantive changes are necessary, these changes must be highlighted to staff for review and possible comment.


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Boot-Repair-Disk 2018 Crack Patch + Serial Key Free Download
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Boot-Repair-Disk 2018 Crack Patch + Serial Key Free Download
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I have made this drool worthy Grilled Lemon Pineapple Tofu countless times. It's an old favorite my family use to enjoy at a local eatery. However, within the last year, we have decided to eat 100% at home due to health and sanitary issues. This meant no more lemony tofu and we couldn't have that. My daughter was requesting it almost weekly so I knew I had to recreate a recipe just as good, if not better.
I was successful! All the flavor was there and the family loved it!
The initial zing of lemon that hits your tongue as you bite into the tofu is quickly met by sweet pineapple. Yum! Not to mention, grilling tofu is one of my favorite ways to enjoy it. It gives the tofu the perfect texture; not too mushy and not too dried out. Plus I'm an avid fan of grill lines on my tofu! 🚧😋
To prep the grilled lemon pineapple tofu you want to marinate it for at least 3o minutes. I place the tofu single layer in my dish then spoon the marinade on top. Cover it and set aside.
Marinating it on the counter at room temperature, allows the tofu to absorb as much flavoring as possible. It keeps the pores open and thirsty. However, if you're going to prep the tofu ahead of time, place it in the fridge to marinate.
Grilling tofu can be a bit tricky.
The first few times I tried grilling tofu I was left with white, flavorless lines. It was stuck, and the grill had stolen my beautiful char lines. By about the 4th time making white lined tofu, I realized it was sticking because the tofu was still too moist. So I lowered the heat to just above medium, seasoned the grill a few extra times and allowed the tofu to cook longer on the first side.
It worked! I had my beautiful grill lines!
This grilled lemon pineapple tofu recipe is also great for leftovers and can be enjoyed straight from the fridge. I've been known to make a double batch and snack on it during the day.
Slice the leftover tofu into strips and add it to a salad. Or serve warm with a side of rice and veggies. The versatility of this tofu is unlimited and kids love it.
Don't forget to share the recipe and leave a comment below, I would love to hear from you! Never miss out on a 😋 mouth-watering recipe 😋 remember to subscribe to our newsletter! 📩
The initial zing of lemon that hits your tongue as you bite into the grilled lemon pineapple tofu is quickly met by sweet pineapple. Yum! Serve warm with a side of rice and veggies. Or slice leftover tofu into strips and add it to a salad. The versatility of this tofu is unlimited and kids love it.
Yields 6 tofu filets
5 based on 1 review(s)
1 fresh pineapple, or 1 can of pineapple rings
1 block extra firm tofu
1/3 cup fresh squeezed lemon juice, about 3 lemons
3 Tablespoons pineapple juice*
2 teaspoons tamari
1 Tablespoon coconut sugar or brown sugar
1/4 teaspoon turmeric
Handful of cilantro
- Press tofu to remove excess moisture. (I love my tofu press.) If you don't have a press, sandwich the tofu between 2 plates and place a semi-heavy object on top. Make sure not to crush the tofu.
- While the tofu is being pressed, prep the marinade. In a 9x13 inch glass dish, whisk together the marinade ingredients: lemon juice, pineapple juice, tamari, sugar, turmeric and cilantro.
- Now slice the tofu into triangle filets. Cut the tofu in half diagonally then slice 3 even filets from each half. Place the filets between 2 tea towels or paper towels and gently press out any extra moisture with your hands.
- Position the filets single layer in the marinade. Spoon marinate over the top of each piece of tofu. Set aside to marinate for at least 1 hour, but overnight will definitely yield more flavor.
- Heat your grill just above medium heat. When the grill is hot, carefully season it with cooking oil. Allow the oil to cook into the grill for about 30 seconds. Repeat this step again.
- Now, carefully lay each piece of tofu down. Grill the tofu for 15-20 minutes on the first side. Then flip and cook for another 10-12 min on the other side. Grilling the tofu longer on the first side will allow it to dry out making it easier to flip. If you notice the tofu sticking to the grill allow it to cook longer. The tofu will pop free from the grill when it is ready to be flipped. (see note)
- If your grill is large enough, carefully place pineapple rings down once the tofu has been flipped. Otherwise, grill your pineapple as you remove the tofu. Grill for 5-10 min, or until pineapple rings have nice grill lines.
- Remove your tofu from the grill and place them back in the remaining marinade. This will bring back any flavors lost during cooking.
- Store any extra tofu in an air tight container with the remaining marinade. Keeps well for up to a week in the fridge.
Grilling Note You can always bake the marinaded tofu ahead of time then simply reheat it on the grill. Bake at 375ºF for 15-20 minutes then flip and bake for another 10 min or until tofu is no longer wet. Store in the remaining marinade until ready to grill.
Pineapple Note: A normal-sized, whole pineapple can yield about 8-10 slices. I like to slice 6 pineapple rings and juice the rest for the marinade. However, jarred or canned pineapple juice works as well, and on lazy days I've had equal success with apple juice.
If you're looking for another way to prepare tofu, check out my BBQ Tofu with Caramelized Onions. It's a weekly meal at my house.


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Philippine Airlines (PAL) celebrates two important social occasions next month with two major seat promotions covering flights to all its domestic and most international destinations.For the Chinese New Year holidays, a PAL promo dubbed "Grabbit!," in celebration of the upcoming Year of the Rabbit, drops PAL fares to a flat rate of P1,102 for a one-way flight on Fiesta Class (economy) between Manila and any point in Luzon or Visayas.
For one-way flights on Fiesta Class between Manila and any point in Mindanao, the promo fare is P2,011.
Covered by the promo are flights between Manila and Bacolod, Butuan, Cagayan de Oro, Cebu, Cotabato, Davao, Dipolog, Dumaguete, General Santos, Iloilo, Kalibo, Laoag, Legazpi, Ozamiz, Puerto Princesa, Roxas, Tacloban, Tagbilaran and Zamboanga.
The discounted fares are available for ticketing until January 24, 2011 and are valid for travel from February 1 to March 23, 2011.
Meanwhile, to celebrate Valentine's, PAL offers deeply discounted fares to 19 choice Asian, Australian and U.S. destinations thru a promo dubbed "Heart-throbbing Sale."
Included are flights between Manila and the following points: $108 for Hong Kong, Taipei and Macau; $168 for Bangkok, Ho Chi Minh City and Singapore; $188 for Jakarta; $258 for Beijing, Guam and Shanghai; $348 for Osaka; $388 for Fukuoka (and for the Cebu-Tokyo service as well); $698 for Honolulu, Melbourne and Sydney; and $1,018 for Las Vegas, Los Angeles and San Francisco.
These fares are for round-trip flights on Fiesta Class. They are available for sale until January 24, 2011 and are valid for outbound travel anytime during two periods – from February 1 to March 23, 2011 and from April 22 to 23, 2011.
The exception is four U.S. points – Honolulu, Las Vegas, Los Angeles and San Francisco – where outbound travel is valid from February 1 to March 15, 2011 only.
Additionally, outbound departures are restricted to Sundays until Wednesdays only, except for destinations in China, Japan, Australia and the U.S., including Guam.
All promo fares are "all-in", inclusive of value-added tax (for domestic routes) and surcharges (for international routes). Government taxes are not included in the international fares.
The fares may be availed online, via www.philippineairlines.com, at any PAL ticket office or through accredited travel agents.
For more details, visit www.philippineairlines.com or call 855-8888 in Manila and 340-0191 in Cebu. -Philippine Airlines.


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Sharon Tate
Here are two wonderful songs performed by the great Della Reese, chosen to illustrate the rare beauty of the sublime Sharon Tate, who had a tragic destiny.
Sharon Marie Tate (1943 – 1969) was an American actress. During the 1960s she played small television roles before appearing in several films. After receiving positive reviews for her comedic performances, she was hailed as one of Hollywood's promising newcomers and was nominated for a Golden Globe Award for her performance in "Valley of the Dolls" (1967). She also appeared regularly in fashion magazines as a model and cover girl. Married to the film director Roman Polanski in 1968, Tate was eight and a half months pregnant when she was murdered in her home, along with four others, by followers of satanist Charles Manson.
Even if her career was short, she played in many films, including "Eye of the Devil" (co-starring David Niven, Deborah Kerr, Donald Pleasence, and David Hemmings), Polanski's "The Fearless Vampire Killers" (Polanski had first chosen Jill St. John for the role), "Don't Make Waves" (with Tony Curtis), "Valley of the Dolls". Then Tate began to place less importance on her career, until Polański told her that he wanted to be married to "a hippie, not a housewife". The couple returned to Los Angeles and quickly became part of a social group that included some of the most successful young people in the film industry, including Steve McQueen, Warren Beatty, Mia Farrow, Peter Sellers, Jacqueline Bisset, Leslie Caron, Joan Collins, Joanna Pettet, Laurence Harvey, Peter Fonda and Jane Fonda, older film stars like Henry Fonda, Kirk Douglas, Yul Brynner and Danny Kaye, musicians such as Jim Morrison and the Mamas and the Papas, and record producer Terry Melcher and his girlfriend Candice Bergen. Tate's next film was "The Wrecking Crew" (1969, with Dean Martin and Elke Sommer). She performed her own stunts and was taught martial arts by Bruce Lee. The film was successful and brought Tate strong reviews, with many reviewers praising her comedic performance. She later starred in "The Thirteen Chairs".
Roman Polanski gave away all of his possessions after the murders, unable to bear any reminders of the period that he called "the happiest I ever was in my life". His 1979 film "Tess" was dedicated "For Sharon", as Tate had read Thomas Hardy's "Tess of the d'Urbervilles" during her final stay with Polanski in London, and had left it for him to read with the comment that it would be a good story for them to film together.
Mia Farrow said Sharon Tate was as "sweet and pure a human being as I have ever known", while Patty Duke remembered her as "a gentle, gentle creature. I was crazy about her, and I don't know anyone who wasn't".
Sharon Tate once discussed the type of contemporary actress she wanted to emulate and explained that there were two in particular that she was influenced by: Faye Dunaway and Catherine Deneuve. Of the latter, she said: "I'd like to be an American Catherine Deneuve. She plays beautiful, sensitive, deep parts with a little bit of intelligence behind them."
Enjoy Sharon Tate's fabulous beauty!
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Recipe of the Week: Yellow Pea and Coconut Milk Soup
Yellow Pea and Coconut Milk SoupThe Soup
2 cups yellow split peas, rinsed and soaked for at least one hour
2 bay leaves
3 cloves
Sea salt freshly ground pepper
2 to 4 tbsp butter, light sesame oil, or a mixture
1 large onion, finely chopped
¼ cup minced cilantro stems
1 ½ tsp ground turmeric
1 tsp ground cardamom
½ tsp ground cinnamon
Pinch of hot red pepper flakes
1 15 ounce can of coconut milk (I use light coconut milk)
Juice of 1 large lime, or to taste
3 tbsp chopped cilantro
To Finish
½ cup rice
½ tsp each ground turmeric and paprika
¼ tsp each cumin seeds and freshly ground pepper
½ cup yogurt
Large bunch of spinach, stems removed, well washed
1. Once you have soaked the peas, drain them and put them in a pot with 2 quarts water, the bay leaves, cloves and 1 ½ teaspoons of salt. Bring to a boil then lower the heat to a simmer and cook, partially covered.
2. Melt the butter in a medium skillet over medium heat then add the onion and cilantro stems. Cook, stirring frequently, until the onion starts to colour and soften, about 10 minutes. Add the spices and ½ cup of water from the simmering peas and cook until the water has cooked away. Add the onion to the simmering peas and continue cooking until both a very soft, about an hour in all. Remove the bay leaves and cloves, then puree. Return the soup to the stove and stir in the coconut milk. Add the lime juice then taste for salt and pepper. Stir in the chopped cilantro.
3. To finish, bring 1 cup water to a boil then add ¼ tsp salt and the rice. Give it a stir, lower the heat and cover the pan. Cook until the rice has absorbed the water and is done, about 15 minutes. Combine the spices with the yogurt and set aside. In a separate skillet, wilt the spinach in the water clinging to its leaves, then chop it coarsely. To serve, ladle the soup into bowls, divide the spinach leaves among them, then add the cooked rice to each bowl and serve with a spoonful of the spiced yogurt.
Makes 10 cups
From Vegetable Soups from Deborah Madison's Kitchen


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Based on our own experience in customer service and the many messages and questions we receive, we have put together the typical mistakes beginners may make. The experienced aquarist might well smile, but if they are honest, these are mistakes we all made at the start, aren't they?
The fish stay under the water surface in the morning, gasping for air.
Special filter media can also be used to target and remove any problem substances, such as nitrate or phosphate, from the aquarium water. This table gives you an outline:


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Guilin is a city in the south of China, it has a long history
of over 2000 years and is regarded as the most beautiful place
in China. Guilin is famous for its wonderful scenery, rivers
and karsts peaks covered in lush greenery. Guilin is situated
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Taj Ganges and Himalayas Tour
13 Days / 12 Nights
Taj Ganges and Himalayas Tour lets you explore some of the most fascinating tourist sights of Northern India. Visit the majestic Taj Mahal a pearl of Islamic architecture while your stay in Agra. Later we move to Jaipur to explore the royal city for its forts and palaces. Moving forward, explore Varanasi the pious city of Hindu for its mesmerizing temples and bathing ghats. After visiting north India we head to visit the Kathamandu and Pokhara the two major cities of Himalayan region.
Destination Covered
Delhi – Jaipur – Agra – Varanasi – Kathamandu – Pokhara – Kathamndu – Delhi
Day 1: Delhi
On arrival at the Delhi airport, meet our representative who'll escort you to one of our listed hotels. Check-in at the hotel to rest for a while in the cozy comfort of your hotel room. In the evening you have the option to explore the pulsating nightlife of Delhi. Return to the hotel for enjoying a sumptuous dinner and overnight stay.
Day 2: Delhi
On the following day after enjoying your breakfast, embark on a guided tour to visit the major tourist attractions of Delhi covering Qutub Minar, Humayun's Tomb, Laxmi Narayan temple, Gandhi Memorial, Lotus temple, Parliament House, Jama Masjid and the Red Fort. In the evening revisit Red Fort for witnessing an impressive light and sound show.
Day 3: Delhi – Jaipur
Next morning after breakfast, leave for Jaipur by surface. As you reach Jaipur, check-in at one of our listed hotels. Jaipur, the pink city is famous for its splendid fortresses, majestic palaces, tranquil temples and beautiful havelis making it an ideal tourist destination. After resting for a while in the hotel room, set out to visit the Amer Fort. The fort is built in red sandstone and marble featuring an intricate design and architecture. The Maotha Lake located near to the fort is there to add charms to its beauty. Stay the night at the hotel.
Day 4: Jaipur
After breakfast, embark on a sightseeing tour of Jaipur. The major tourist attractions of Jaipur include Royal Observatory, Jal Mahal, Jaigarh Fort, and the Nahargarh Fort. Later in the day visit Hawa Mahal, located in the Jaipur is a five- storey palace commissioned by Maharaja Sawai Pratap Singh. In the evening return to the hotel for dinner and overnight stay.
Day 5: Jaipur – Agra
Post breakfast, drive straight to Agra. En-route, visit the Fatepur Sikri, the old deserted capital of the Mughal Empire. The major tourist attractions of Agra include Buland Darwaza, Palace of Jodha Bai, Birbal Bhawan, Panch Mahal and the Jama Masjid. Later resume drive to Agra. On reaching Agra, check-in at one of our listed hotel for dinner and overnight stay.
Day 6: Agra – Varanasi
In the morning after breakfast, proceed to explore the Taj Mahal, one of the seventh wonder of the world. While exploring Taj Mahal get help of a professional guide who'll elucidate you about the various facts behind it being created. The Taj Mahal seems most alluring during an early morning visit, shrouded in mists and bathed with a soft red glow. Later in the day, visit Agra Fort situated on the banks of the river Yamuna. Retire for the night at the hotel.
Day 7: Varanasi
Early morning, proceed to reach the pious city of Varanasi. As you reach Varanasi, check-in at one of our listed hotels. Rest and relax for a while in your hotel room for the afternoon. Later in the day, head to a sightseeing tour of Varanasi. The major tourist attractions to visit include Banaras Hindu University, Durga temple, Bharat Mata temple and the Mosque of Mughal Emperor Aurangazeb. After lunch, proceed to visit Sarnath the excavated Buddhist city. Explore the ruins of Sarnath while visiting the stupa, the Buddhist temple and the Museum. Enjoy an overnight stay in the hotel.
Day 8: Varanasi – Kathmandu
Early morning in the morning embark on a guided tour of Varanasi city. The principle attractions of Varanasi include Alamgir Mosque, Ramnagar Fort, Ramnagar Museum, Darbhanga Ghat and the Gyan Kup. Also attend prayer ceremony at the famous Kashi Vishwanath temple. Later in the day, transfer to Varanasi airport to board a flight to Kathmandu. On reaching Kathmandu, check-in at the hotel. Rest and relax for the day in your hotel room. In the evening enjoy a leisurely walk to the nearby area of Kathmandu. Stay the night at the hotel.
Day 9: Kathmandu
In the morning after breakfast, step out on a sightseeing tour of Kathmandu Valley. Enjoy excursion to Sayambhunath Stupa, Bouddhanath Stupa and the Guhewari temple. The Sayambhunath Stupa and Bouddhanath Stupa are the oldest of its kind in Nepal and are declared as the UNESCO World Heritage Monument. Pay a visit to Manakamana temple enjoying the cable car ride of 15 to 20 minutes. Darshan at the Pashupatinath temple located at the banks of river Bagmati. Enjoy a comfortable overnight stay at the hotel.
Day 10: Kathmandu – Pokhara
On the following morning, drive to Pokhara. As you reach Pokhara, check-in at one of our listed hotels. Later in the day move out to visit the major tourist attractions of Pokhara covering Poon Hill, Phewa Tal, Begnas Lake, Peace temple, International Mountain Museum and Barahi temple. Enjoy an overnight at the hotel.
Day 11: Pokhara
Early morning one hour boat ride at Phewa Lake and later visit the temple situated in the middle of the lake. After breakfast take an excursion to Sarangkot. On reaching Sarangkot, enjoy a short walk around the hill area and witness the beautiful sunset over the mountains. After witnessing Sunset, drive back to Pokhara for dinner and overnight stay.
Day 12: Pokhara – Kathmandu – Delhi
In the morning leave Pokhara to reach Kathmandu. On reaching Kathmandu, transfer to Kathmandu airport to board a flight for Delhi. On reaching Delhi, check-in at one of our listed hotels. Spend the day at leisure. In the evening enjoy a sumptuous dinner and a quiet night's sleep in the hotel.
Day 13: Delhi
In the morning after breakfast, transfer to the Delhi airport to board a flight for your onward journey.
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just reminds me of all the strident prig "experts"
I try to have compassion for them. I try to give them their due for anything good they've done or tried to do, but it really never erases the harm of their abuses of power. Really, just a glance at this tells you there were people there who were more remnant of more advancement and trying to start from scratch again, but... whatever.
pipe up any time....
love, nines ||| advanced antiquity


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Unfortunately, this is also a time when you're most vulnerable. In your excitement to get to work, it's easy to completely overlook the fact that a potential business partnership might be a complete train wreck.
Imagine putting hours or even weeks of time into helping someone, only to have one or both of you terminate the relationship. The concept seems painful when you're new to the game, but it's a reality that every business person will eventually face.


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Research (Published online: 29-12-2014)
23. Therapeutic efficacy of different Hemodialysis prescriptions in canine azotemia - Ekta Atul Thakkar and Rajiv V. Gaikwad
Veterinary World, 7(12): 1150-1156
doi: 10.14202/vetworld.2014.1150-1156
Aim: The aim was to determine therapeutic efficacy of different Hemodialysis prescriptions in canine azotemia.
Materials and Methods: Patients (n=9) with acute onset of renal dysfunction or chronic patients with superimposed acute factor (component) or patients with known chronic nature of the disease were dialyzed with Fresenius 4008S hemodialysis machine after jugular catheterization. Patients were randomly divided into two groups, one group (n=3) was dialyzed every day and second (n=4) was dialyzed on alternate days. The patients were evaluated for following parameters to compare the efficacy of the dialysis prescription: Urea reduction ratio (URR), creatinine reduction ratio (CRR), Kt/V, time averaged concentration of urea (TAC urea).
Result and Discussion: Increasing both dialysis frequency and duration is the superior dialysis schedule. Patient dialyzed every day with total processed blood volume 1.79 L/Kg for 4 h 26 min/session had the lowest TAC of 36.82 mg/dl, thereby was considered it as a better prescription.
Keywords: creatinine reduction ratio, hemodialysis, Kt/V, time averaged concentration of urea, urea reduction ratio.


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Story Notes for Blade Runner
Monday through Thursday during prime time on AMC, you can catch Story Notes — real time trivia and facts about your favorite movies! Below is the online version of the Story Notes for Blade Runner.
Award Note
Blade Runner's groundbreaking look earned it two Oscar nods: Best Art Direction and Visual Effects.
Beauty Note
The make-up for Blade Runner was supervised by Marvin G. Westmore. His family has been a Hollywood makeup dynasty since 1917.
Biographical Notes
Director Ridley Scott started in the business as an art director. Scott: "…the background can be as important as the actor. The design of a film is the script."
Blade Runner got Sean Young noticed, but it was 1987's No Way Out that would make her a star.
Syd Mead was the "visual futurist" of Blade Runner, designing the cars and machinery. He also designed the huge alien "V'Ger" ship of Star Trek: The Motion Picture (1979).
Daryl Hannah (Pris) had been a gymnast in school. In her audition, she performed a back-walk.
Rutger Hauer would later play a man cursed to be a wolf during the day in 1985's Ladyhawke.
After this, Edward James Olmos (Gaff) went on to star in Stand and Deliver (1988) and of course, Battlestar Galactica, a scifi series greatly influenced by Blade Runner.
Casting Notes
Brion James (Leon) played General Munro in another classic scifi movie, The Fifth Element (1997).
Actor Morgan Paull also played Captain Richard Jenson in Patton (1970).
Harrison Ford was cast after Ridley Scott flew to London to view dailies of Raiders of the Lost Ark. Despite being in Star Wars, he wasn't yet seen as a leading man.
M. Emmet Walsh (Bryant) played a private eye in the Coen Brothers' Blood Simple (1984).
Edward James Olmos (Gaff) would pilot another spaceship years later on Battlestar Galactica.
Sean Young was a relative unknown when she was cast. Ridley Scott: "She reminded me of Vivien Leigh… that acerbic toughness that Vivien Leigh had."
Joe Turkel (Dr. Tyrell) was the ghostly bartender in The Shining (1980).
Rutger Hauer (Roy Batty) was already a big star in his home country of The Netherlands… but he'd only been in one Hollywood movie, playing the terrorist in Nighthawks (1981).
Actor James Hong is also known for playing the evil Lo Pan in Big Trouble in Little China (1986).
This was a breakout role for Daryl Hannah (Pris). She hadn't yet starred as Madison, the mermaid Tom Hanks falls in love with in Splash (1984).
William Sanderson (J.F. Sebastian) played the bumbling Larry on Newhart (1982-1990).
Hy Pyke came in to read for the bartender, but he decided to read for Taffey instead. When producer Michael Deeley told him it wasn't good, he copped an attitude. That got him the part.
Joanna Cassidy (Zhora) was perfect for this role: She already had a pet snake of her own.
Fashion Note
The fashion in this movie is a blend of 1920s and 1940s hair and clothing styles.
History Notes
This movie came out long before webcams and video chat. They called this a "VidPhon."
This game is based on "The Immortal Game" between Anderssen and Kieseritzky in 1851.
Location Notes
The interior of the Bradbury Building can also been seen in (500) Days of Summer and The Artist.
Director Ridley Scott originally wanted to shoot the climactic scene on real rooftops in downtown L.A. When that proved impractical, they built moveable sets 30′ high on the Warner Brothers backlot.
Music Note
Blade Runner's composer, Vangelis, had just won an Oscar for his score for Chariots of Fire (1981). He received nominations for a BAFTA and Golden Globe for Blade Runner.
Plot Notes
The Voigt-Kampff Test measures empathy, which a replicant would not have.
Blade Runner's big mystery is whether Deckard is actually human or a replicant? Harrison Ford likes to think he isn't, while director Ridley Scott says he is.
Music has a connection to memories, both with Rachael and with Deckard.
The replicants have shown they can love as strongly, or even more strongly, than humans.
Pop-Culture Notes
Blade Runner (1982) is based on cult scifi writer Philip K. Dick's Do Androids Dream of Electric Sheep? Scientists voted it "Best Sci-Fi Film of All Time," beating 2001: A Space Odyssey and Star Wars.
Blade Runner is a future noir. This voice over is one of many nods to the detective movies of the '40s.
Blade Runner was the first movie adaptation of a Philip K. Dick story. Later ones include Total Recall (1990), Minority Report (2002), and The Adjustment Bureau (2011).
Blade Runner is one of the first movies in the cyberpunk genre, a term coined by scifi writer Bruce Bethke in 1980 and defined as "low life, high tech."
Daryl Hannah (Pris) came up with her makeup, inspired by Nosferatu the Vampyre (1979).
"I think, therefore I am" was a phrase coined by French philosopher René Descartes.
Blade Runner ranks #1 on Wired Magazine's "Top 20 Sci-Fi Movies" list.
Prop Notes
Deckard's gun was originally supposed to be a "black hole" gun that sucked matter inward.
Quotation Notes
Cinematographer Jordan Cronenweth said the film's photography was influenced by Citizen Kane. "This included…high contrast, unusual camera angles, and the use of shafts of light."
Director Ridley Scott: "Deckard clearly is cynical from the very moment that we join him in the film. He's becoming part of the company. He's becoming part of that Orwellian nightmare."
Ford: "It's an oddly human story…about what it is to have human consciousness."
Director Ridley Scott on Joanna Cassidy (Zhora): "If you're gonna cast an Amazon, there she is." Cassidy: "I've taken karate in the past, and I don't hold back — when I fight, I fight."
Ridley Scott's future was inspired by Hong Kong and New York in the '80s, "[cities] on overload." Coincidentally, author Philip K. Dick had a fear of big crowds.
Director Ridley Scott says of all his films, Blade Runner is his most "personal and complete."
Dir. Ridley Scott on William Sanderson (Sebastian): "[He has a] beautiful…ingenuous innocence. [He is] almost playing himself here."
Rutger Hauer: "I played Roy as though his sexuality was totally unimportant."
Dir. Ridley Scott on Roy: "He's not a monster at all. [He] feels he's being really manipulated."
Daryl Hannah (Pris): "The replicants [are] supposed to have heightened senses. [I hear] Deckard coming and [am] reacting to the sound of him getting close."
Rutger Hauer says, "I think [Deckard] is the villain… Definitely. My idea of a villain is somebody who wants to do… bad things."
Ford was attracted to Deckard's desperation, "the dramatic circumstances he found himself in."
Director Ridley Scott: "I think at the end… [Deckard] rediscovers his humanity."
Script Notes
The script for Blade Runner went through many revisions with multiple screenwriters. Other working titles included: Dangerous Days, Android, and Mechanismo.
Screenwriter Hampton Fancher said he was just winging it when he wrote some of the dialogue, but the science behind some sections actually checks out.
Set Notes
Blade Runner had a tight budget, so the filmmakers saved money wherever they could. This roof is actually a model of the mother ship in Close Encounters of the Third Kind (1977).
Design for the Tyrell Corporation building was influenced by Mayan pyramids.What you see in the film stands only about four feet high and has only two sides.
The first day of shooting, Ridley Scott noticed these Neo-Egyptian columns were upside-down. Ever the perfectionist, he made the crew flip them over, which took several hours to do.
One building in the movie is made from a model of the Millennium Falcon (Star Wars).
Scott's original concepts for Deckard's apartment were influenced by Spanish architect Antoni Gaudí.
Hannah slipped and cut her elbow during the production. She still has a scar from the stitches.
Much of Blade Runner's dark sets are lit solely through windows. Sources included searchlights, signs, and lightning.
They tested this hair dryer on Production Exec. Katherine Haber, "in case it sucked her head off." Cassidy (Zhora) wanted to see it work on someone else first. (It was perfectly safe.)
Over 300 extras were hired for some of the street scenes.
At the time (1982), Blade Runner featured the largest panes of breakaway glass ever made for a film.
After Brion James (Leon) said he'd do his own stunts, Harrison Ford said he'd do his, too.
Tyrell's bed was modeled after Pope John Paul II's.
Hauer once said: "By pushing Pris' tongue into her mouth, Batty buries her."
Master makeup artist Michael Westmore built prosthetics for effects like the nail through the hand.
Source Notes
The term "Blade Runner" doesn't come from Philip K. Dick. It's from novelist Alan Nourse.
The term "Replicant" comes from the scientific process of "replicating," or cloning. It was coined by screenwriter David Peoples' daughter, who was studying microbiology.
Symbolism Notes
Gaff uses origami to make statements. He just called Deckard a "chicken."
Did you notice that Pris, a "pleasure model," was built on Valentine's Day?
If the eyes are the window to the soul, what does that mean for a replicant?
Technology Notes
Blade Runner is the last "analog" scifi movie; not a single image in it is computer-generated.
To get that "glow" in a replicant's eyes they'd project light into a two-way mirror at a 45° angle in front of the camera lens.
Some searchlights were made by crew members waving xenon lights around.
Trivia Notes
Ridley Scott had just directed Alien (1979) and didn't want to make another scifi movie. Blade Runner's script changed his mind.
Batty misquotes "America: A Prophecy," a poem by William Blake.
The talking dolls are meant to be a miniature Kaiser Wilhelm and Napoleon Bear.
The Esper machine can analyze a 2-D photo in its original 3-D space.
Tsingtao is a real Chinese beer. It's been brewed since 1903.
According to the Bible, Methuselah was a man who lived to be almost 1,000 years old. There's no such thing as Methuselah Syndrome. What J.F. Sebastian is describing is Progeria.
Rutger Hauer played Roy like a four-year-old because that's about how old his character is.
Rutger Hauer says he improvised Roy's final words, which have become classic lines.
Blade Runner actually includes unused footage from Stanley Kubrick's The Shining (1980).
Wardrobe Notes
If Deckard's the classic hard-boiled detective, Rachael is the femme fatale. Her hair, lipstick, and shoulders evoke the style of women of '40s film noir like Barbara Stanwyck.
The filmmakers custom-made clothes for Ford to wear. Director Ridley Scott kept one of his ties.
The wardrobe department scoured second-hand stores to create a multicultural society.
Notice the cops all wear fedoras like classic film noir detectives. Harrison Ford had just done Raiders of the Lost Ark, so he didn't want to wear another hat.Read More


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Internships are fixed-term periods of work experience usually either undertaken by students during holidays alongside academic study or by graduates at any time prior to securing employment post-graduation. Typically, they last between one month and 12 weeks.
External students as well as University of Cambridge students are welcome to apply for Internships within the University. Internship vacancies will be advertised on the University of Cambridge Careers Service website and on some external sites.
If you are interested in applying for an internship vacancy that you have seen advertised, please complete the internship application form.
Please note that you must apply to a specific vacancy as we are unable to accept CVs from speculative applicants.
The University's Temporary Employment Service (TES) manages the internship scheme.
TES is located at 25 Trumpington Street, opposite the Fitzwilliam Museum and is open from 9.00am to 5.00pm Monday to Friday.
Our e-mail address is email@example.com and our telephone number is 01223 332348.
Equal opportunities
The University of Cambridge is committed to equality of opportunity and to a pro-active and inclusive approach to equality, which supports and encourages all under-represented groups, promotes an inclusive culture, and values diversity.
To read more about the Equality and Diversity policies at the University please see Equality & Diversity at the University of Cambridge.
We will endeavour to accommodate any particular needs you may have (e.g. childcare responsibilities, religious requirements, disability access requirements, work aids.) Please let us know if you have any requirements when you submit your application.
There is no upper age limit to our internship scheme.
Working in the UK
To undertake an internship with us you must be or become eligible to work in the UK. Please contact us if you require further information or guidance.


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IUI Information Center
Dr. Daiter and The NJ Center for Fertility and Reproductive Medicine want to provide you with the information that you need to fully understand intrauterine insemination (IUI). Most of the sections of our free "Complete Guide to Understanding IUI" can be accessed from the menu bar or the text below. Once you have reviewed the Guide, we strongly encourage you to fill out the form below so that we can use this information in the future to modify the Guide and better serve your specific interests.
A Complete Guide to Understanding IUI (intrauterine insemination) and artificial insemination
(Dr Eric Daiter, Board Certified in Reproductive Endocrinology and Infertility)
- The IUI procedure
- Who should consider an IUI?
- IUI success rates
- IUI cost
- What to consider if IUI is unsuccessful
Dr. Daiter is also there for you on an individual basis if, and when, you need him: to provide expert consultation (including 2nd opinions), a thorough diagnostic plan to evaluate your fertility, and highly effective treatment including IUI.
A video testimonial that expert treatment of infertility can truly accomplish remarkable results!
These brave "real life" stories present examples of the kind of care that Dr. Daiter provides for his patients.


text: In case you missed it, Boring was featured on the cover of the Lakeland Area Chamber of Commerce Forum for Business magazine last month -- with an article inside on managing accounts receivables by our own Carol Cantanzarite! Carol has been with Boring for 27 years and we're thrilled to see her sharing her expertise with Lakeland's business community! Click here to see the whole issue.


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After extensive travels throughout Europe, Africa and beyond witnessing first hand the production of wine at all levels, owners Susan and Bill Hayes determined the best use of their unique hillside land would be the planting of a vineyard. Initially the idea was to produce wines to be shared with friends and family. After the first harvest, it became abundantly clear they had arrived at a perfect confluence of location and varietals as the wine far exceeded not only their quality hopes, but also their quantity expectations. With hundreds of cases of quality wine in production each year, they realized this is far more than a hobby. The vineyard and the wines had become a part of their lives which needed to be shared in a larger way.
The Hayes' have assembled a team of experts to guide the vineyard and the grapes to their highest potential. Susan, a graduate of Le Cordon Bleu and professional chef also holds a certificate as a Certified Sommelier from the Court of Master Sommeliers. She continues to advance her wine knowledge at the Culinary Institute of America (CIA) at Greystone in Napa, California and furthermore individually studies with Master Sommeliers. Her understanding of the varietals specific to WiSH Vineyards is brought into full light with the knowledge of the entire spectrum of these varietals in the world of wine and wine production. As such, Susan engages fully with the winemaker and vineyard consultant as a constant, resonating voice in the realization of their wine vision.


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Simplify event management
See how you can stay ahead of the game with automation, ROI reporting & much more.
Trusted by event teams at
Exhibit & Sponsor
Exhibiting and sponsoring at 10 or more events? EventGeek is made for you.
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I appreciate everything you guys are doing more than words can say. I can't believe how much you've changed my life, productivity and peace of mind. Serious heroes for me.
Simplify event management in 3 easy steps.
EventGeek is an easier way to manage people, budgets and ROI reporting.
Integrate with your tools
EventGeek integrates with the tools you already use.


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Elevate Brand Marketing
Elevate Brand Marketing is a partner to corporate marketing departments and advertising agencies.
Our goal is to insure the often overlooked areas of promotional products are seamlessly integrated into brand strategy helping build awareness, interest and consumer demand.
Quickly and easily search our vast database of products for items to:
Improve traffic at trade shows
Motivate staff
Thank a customer
Increase safety awareness
When you find what you are looking for, please contact us so we can discuss your needs in greater detail. If you are just browsing, click on our 'request for more information' option and we'll get back to you.
Want to know more about Elevate Brand Marketing? Check out "What We Do" to see our capabilities and what we can do to help you succeed.


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Cat War2 VS Elder-signWith over 10 million downloads worldwide the popular defense game seriesCat War has finally launched its new battle!!
What the hell!? This time you're fighting against Cthulhu!!In collaboration with the popular online RPG Elder-Sign the battle between adorable cats and Cthulhu monsters is about to begin!!
The kingdom of cats once defeated the dogs in the big wars. However the peace didn't last long.
The powerful Cthulhu monsters came from another dimension!!Stop the invasion of the Elder Gods by rallying the soldier cats and cat heroes around the world!!(Features)
◆Adorable cats and mysterious Cthulhu monsters.
Attractive characters dynamically move around!!◆Simple rules easy to understand for beginners:
1. Collect food by using fisherman units.
2. Destroy the enemy's castle by using solder units.
Follow the above and you'll be ready to fight!! ◆Strategies can be complex enough to satisfy the series' fans.
Protect your castle constantly or rush into the enemy with heroes' superpowers. How to fight is up to you!!
◆Don't miss the bonus game where treasures and fish will fall from the sky!!With simple controls everybody can enjoy this game regardless of age. This is the definitive defense game!!


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Click on Cortona Logo for Plugin
What better than to educate our
Fire Fighters of possible dangers lurking in different
building developments. The way to overcome this
is to simulate each building in 3D. This is the
ideal medium for a hands on approach, being able to
familiarise ones self to the layout of every home
without ever having been in that particular building
before. This technology can even be relayed to
Fire Fighting vehicles on the scene or even while they
are on their way.
The technology is here and now!
See the other examples and see if they hold an answer
for your particular field.


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The Doctors TV Discuss The Stick
October 15, 2010
NOTE: If you are using Internet Explorer and you can only see a black box, click here to view the video on Doctor's TV. If you are using Firefox or Safari (web browsers), well, you are likely already watching the video!
Ease sore and achy muscles.
Source: The Doctor's TV
"The Stick is used as a training tool by athletes at the United States Olympic Training Centers in Colorado Springs CO, Lake Placid NY, Marquette MI and Chula Vista CA."
– US Olympic Committee – Sports Medicine Division
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Creative Ceiling Design with Light
This ceiling is more than a commonly designed ceiling. It carries the most attractive light sheds which add a stunning look for your home or office. The angles of the lights are placed in a kind of way that it will give the proper light in the proper place. It carries the necessity as well as the style required for your room. The warm white or the jet white bulbs can be used according to your preference. If it is your office's front desk or the dining space of your sweet home, then the warm white lamp is absolutely apt while the jet white is more suitable for the conference hall or for the bedroom.


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Home page
Cats. Dogs & Horses
Signs and Logos
Other Intarsia
Work In Progress
Other Scroll Work
Customer Response
** Tracey's Wood Shop **
** Wildlfe **
These all have depth and relief
"I created the items that you see below."
Walking Bears
8" x 20"
Lion Cubs
For My Vet
To Be Added
To Be Added
To Be Added
"Click picture to enlarge, back arrow to get back"
Next Page click here *
Tracey Young


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Lamington Classic
Saturday, 24 October 2020 to Sunday, 25 October 2020
Lamington National Park, QLD
The Lamington Classic is an annual two day trail running event at Lamington National Park in Queensland from Saturday, 24 October to Sunday, 25 October 2020.
The 2019 event (scheduled for 26/27 October) was cancelled due to the recent fire devastation that occurred in Lamington National Park and Binna Burra Lodge.
Run 42.2km on the first day from Binna Burra long the Border Track to Green Mountains and back again, or 21.3km from Green Mountain to Binna Burra, starting at O'Reilly's. On the second day, run 21.3km from Binna Burra to Green Mountain.
The distance has been measured by a 'steel wheel', and is 21.3km from the designated start points to the designated finish points for a one-way crossing. (The 42.195km event, starts about 400 metres into the forest, to achieve the correct distance.


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09 Sep 2016
What is Active Directory Certificate Services and Why Should I Use It?
Countless organizations use Windows Server as the foundation of their IT infrastructure. Countless organizations also use PKI for various security needs (such as; securing web servers [SSL], certificate-based authentication, digital signatures for documents, encrypting emails [S/MIME]). However, we're often surprised to learn how many people aren't aware that the two can be connected. Enter Active Directory Certificate Services (AD CS).
What is Active Directory Certificate Services (AD CS)?
According to Microsoft themselves, AD CS is the "Server Role that allows you to build a public key infrastructure (PKI) and provide public key cryptography, digital certificates, and digital signature capabilities for your organization."
Basically what this means is rather than going to a third party Certificate Authority (CA) to get PKI certificates and using their hosted services, you can actually handle this in-house.
Benefits to Using Active Directory Certificate Services (AD CS)
Using AD CS provides a number of benefits, mostly around certificate administration.
- Pull from Active Directory – You can use the existing endpoint identity information that exists in AD to register for certificates (to avoid re-registering).
- Leverage Existing Group Policy – You can configure AD Group Policies to dictate which users and machines are allowed which types of certificates.
- Automate Certificate Provisioning and Lifecycle Management – Once an endpoint comes online for the first time, a request is sent to AD to check which certificate types (called templates) the endpoint has access based on the Group Policy. Based on the results of that request, the endpoint requests the appropriate certificates, which are then sent back to the endpoint and installed. Certificates can be set to automatically renew, eliminating the worry over unexpected expiration and gaps in coverage.
- Silent Installation – As hinted above, the installation process is automatic and doesn't require any end user (or IT) intervention.
The Downside to Active Directory Certificate Services (AD CS) – Running Your Own CA
Now after the benefits outlined above, you may be thinking, "sign me up!" But we can't really talk about AD CS without discussing the other critical element to this type of PKI set-up – the internal CA (i.e. Microsoft) that provisions the certificates. AD CS is kind of the waiter in the scenario discussed above, taking requests from endpoints and delivering the appropriate certificates and it is an excellent waiter! It's the "kitchen" (i.e. Microsoft CA) that can be a bit of a headache to manage.
We've covered the disadvantages of running an internal CA in the past, but they generally boil down to the same arguments you always face when trying to decide between outsourcing or handling internally. Think about it. Would you dedicate time, money and resources on developing an internal CRM? Or would you use one of the many readily available, SaaS options that were designed by experts?
PKI brings additional considerations to the discussion as well. Here are just a few examples:
- Hardware Costs – You need to protect and store your root and signing private keys on secure hardware (e.g. Hardware Security Module).
- Maintaining Validation Services – You need to ensure you have a way to check certificate validity, such as updating CRLs, keeping CRLs and running OCSP services.
- Internal PKI Expertise – PKI is complex and best practices are continually evolving. How will you ensure you maintain compliance?
Best of Both Worlds? An Active Directory Integration from a Third Party CA
Now for a long time and some people may still think this, the only way to leverage Active Directory for PKI and get all those awesome benefits was to use AD CS and run your own CA, but times have changed! A few public CAs (cough GlobalSign cough) now offer integrations with AD that give you the same administration and automation benefits without the need to manage a CA internally.
With these integrations, you can still leverage AD and Group Policy for certificate registration and assignments, but certificate requests are sent and responded to by the public SaaS-based CA. Certificates can still be automatically provisioned, renewed and silently installed as well.
Some organizations want to retain complete control and have the internal resources to support a Microsoft CA. Some don't, in which case it's important to know that these types of public CA integrations exist. The main takeaway here is that Active Directory can be a very powerful tool for deploying PKI, regardless of how you go about doing it.
Want to know more about leveraging Active Directory to automate PKI and facilitate high volume deployments? Check out our recent webinar – "PKI: the Security Swiss Army Knife"!
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GlobalSign Privacy Policy Version 3.1
Updated June 5, 2018
GlobalSign respects your right to privacy. This privacy policy has been developed to inform you about the privacy practices followed by GlobalSign in connection with its websites, products and services. This privacy policy does not apply to GlobalSign services offered by or through our partners, resellers or other third parties, or other third party services or websites, and we encourage you to read the privacy policies of those parties.
This privacy policy will inform you about what data is collected, how we use such data, where data is processed, how you may opt out of your data being used, the security provisions around storing your data and how to correct, update or delete your data.
1. Data Controller
The data controller for personal data collected within the EU is GMO GlobalSign, Ltd., having its registered offices at Springfield House, Sandling Road, Maidstone, Kent, ME14 2LP, United Kingdom. All questions or requests regarding the processing of data may be addressed to: firstname.lastname@example.com.
2. Collection of Personal Information
We collect information from you when you (i) place an order for a GlobalSign digital certificate product or other product or service, (ii) scan your servers for digital certificates using our Certificate Inventory Tool (CIT), (iii) apply for access to our managed service platforms, (iv) subscribe to our newsletter, (v) use our online chat service, (vi) download a white paper, (vii) register for a webinar, (viii) respond to a survey, (ix) fill out a form for pre/post sales assistance, (x) open a support ticket, or (xi) your use of social media.
GlobalSign is a Certification Authority and trusted third party. To fulfill requests for digital certificates or other products or services, you may be asked to enter your name, email address, physical address, phone number, credit card information and/or organizational details or other personal information.
- - Contact information such as your name, email address, physical address, and phone number.
- - Relationship information that helps us do business with you, such as the types of products and services that may interest you, contact and product preferences, languages, marketing preferences and demographic data.
- - Transactional information about how you interact with us, including purchases, inquiries, customer account information, billing and credit card information, organizational details, transaction and correspondence history, and information about how you use and interact with our website.
We may develop and acquire additional information about you using third-party (public and private) data sources such as third party databases and government agencies, as well as your browsing and purchasing history in order to process orders for certificates and to improve our services.
GlobalSign treats personal information as confidential, except for the information included in an issued digital certificate. Such information may be verified using third party commercial and government resources, and as such, is deemed to be public information.
3. Purpose of Processing
Your personal data will be used for the purposes specified below:
3.1 To process applications for GlobalSign products and services
Your information is used to provide our products and services and order processing as well as to conduct business transactions such as billing.
3.2 To improve customer service
Your information helps us to more effectively respond to your pre/post sales requests and provide technical support.
3.3 To send renewal notices
The email address you provide for order processing may be used to send you renewal notices for your expiring digital certificate.
3.4 To send service updates
In addition, subject to your consent where required, we may send you new service updates, security updates, related product or service information, and status updates on maintenance windows or service availability.
3.5 To tell you about our products and services
Subject to your consent where required, we may send you periodic company newsletters, information about our products and services that may be of interest to you based on your use of other GlobalSign products and services, your attendance at GlobalSign sponsored marketing events such as webinars, your requests for information about similar products and services, or your sharing of data with social media sites such as LinkedIn or Facebook.
4. Legal Basis for Processing Personal Data
We will process your data for the purpose of performance of our contract with you or the legitimate interest of GlobalSign, which are our usual business activities. In other cases, we will request your consent for the processing of the personal data you may submit.
Your refusal to provide personal data to us for certain products and services may hinder us from fulfilling your order for those products or services. Also, if you deny or withdraw your consent to use personal data or opt out of receiving information about GlobalSign products and services this may result in you not being made aware of renewal notices, periodic company newsletters, new service updates, security updates, related product or service information, and status updates on maintenance windows or service availability. See Section 10 below for how to withdraw your consent.
5. Use of Cookies and web beacons
The GlobalSign Certificate Center (GCC) uses cookies to enable the fulfillment of services. Cookies may be used when you log into the GCC, purchase products or use certain GCC functions.
In addition, like most online businesses, GlobalSign uses cookies and web beacons on our websites and through marketing related emails to gather and analyze some personal data such as the visitor's IP address, browser type, ISP, referring page, operating system, date/time and basic geographical information.
We use cookies and web beacons to compile aggregate data about site traffic and site interaction so that we can gauge the effectiveness of our communications and offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.
First time visitors may choose to not have any activity monitoring cookies set in their browser. We use an opt-out identification cookie to tag these users as having made this decision. Those cookies that pertain to site performance, experience improvement and marketing are programmed not to execute when an opt-out cookie is present in a visitor's browser. Opt-out cookies persist until a visitor clears their browser cookies, or until their expiration one year after the set date. A visitor is required to opt out again after one year in order to disable any activity monitoring cookies.
More details of GlobalSign's use of cookies can be found on our website at https://www.globalsign.com/en/repository/cookie-policy/
6. Use of application logs for diagnostics or to gather statistical information
Our servers automatically record information ("Application Log Data") created by your use of our services. Application Log Data may include information such as your IP address, browser type, operating system, the referring web page, pages visited, location, your mobile carrier, device and application IDs, search terms, and cookie information. We use this information to diagnose and improve our services. Except as stated in section 8 (Data Retention), we will either delete the Application Log Data or remove any account identifiers, such as your username, full IP address, or email address, after 12 months.
7. Sharing of Information and Transfers of Data
We do not sell or trade your personal information to outside parties.
Within GlobalSign: GlobalSign is a global organization with business processes and technical systems in various countries. As such, we may share information about you within our group company and transfer it to countries in the world where we do business in connection with the uses identified in section 3 above and in accordance with this Privacy Policy. In cases where your personal data is transferred to countries that do not provide an adequate level of protection according to the European Commission ('adequacy decision'), we ensure your data is protected by entering into agreements containing standard contractual clauses approved by the European Commission with each of our group companies. A copy of these agreements may be obtained by contacting us as outlined in section 15 below.
Third Parties: We may also transfer your personal data to trusted third parties and our partners in order to serve purposes that are specified in section 3 above. GlobalSign uses a third party to process credit card payments and provides credit card numbers and identifying financial data directly to the third party credit card processor.
In circumstances where data is shared with such third parties, they are required to comply with confidentiality terms included in our data processing agreements. This prohibits such third parties from selling, trading, using, marketing or otherwise distributing GlobalSign customer data.
As Required by Law: We may also release your information when we believe release is appropriate to comply with the law or protect our rights, property, or safety.
It is our policy to notify customers of requests for their data from law enforcement unless we are prohibited from doing so by statute or court order. Law enforcement officials who believe that notification would jeopardize an investigation should obtain an appropriate court order or other process that specifically precludes member notification, such as an order issued pursuant to 18 U.S.C. §2705(b).
Mergers & Acquisitions: We may also disclose your personal information to third parties who may take over the operation of our site or who may purchase any or all of our assets, including your personal information. We will contact you using the details you provide if there is any change in the person controlling your information.
8. International Transfers
The third parties, subsidiaries and affiliates to which your personal information can be disclosed may be located throughout the world. Therefore, information may be sent to countries having different privacy protection standards than your country of residence. In such cases, we take measures to ensure that your personal information receives an adequate level of protection, which includes the EU Standard Contractual Clauses to protect your personal information.
9. Data retention
The personal information we collect is retained for no longer than necessary to fulfil the stated purposes in section 2 above or for a period specifically required by law or regulation that GlobalSign is obligated to follow.
To meet public CA audit requirements as detailed in the GlobalSign Certification Practice Statement, personal data used to fulfill verification of certain types of digital certificate applications will be retained for a minimum of 10 years depending on the class of product or service and may be retained in either a physical or electronic format. Please refer to the GlobalSign Certification Practice Statement for full details.
After the retention period is over, GlobalSign securely disposes or anonymizes your personal information in order to prevent loss, theft, misuse, or unauthorized access.
10. Opting out; withdrawing consent
If at any time you would like to unsubscribe from receiving future emails, we include unsubscribe instructions at the bottom of each email.
Renewal notices may be cancelled on a per digital certificate basis by logging into your GlobalSign Certificate Center (GCC) account and disabling renewal notices.
Email preferences for CIT related/collected information can be updated and changed within CIT.
If GlobalSign is processing your personal data based on your consent, you may withdraw your consent at any time via the GlobalSign Preference Centre at https://downloads.globalsign.com/acton/media/2674/preference-center-login or by contacting us at one of the addresses shown in section 15 below.
11. Your Rights
You are responsible for providing GlobalSign with true, accurate, current and complete personal information. Also, you are responsible to maintain and promptly update the information to keep it true, accurate, current and complete.
You have the right to access and modify your personal data stored on GlobalSign systems. You can exercise your rights by contacting us in writing. We will require you to provide identification in order to verify the authenticity as the data subject. We will make reasonable efforts to respond to and process your request as required by law.
To the extent of applicable law, you may have the right to request erasure of your personal information, restriction of processing as it applies to you, object to processing and the right to data portability. You may also have the right to lodge a complaint with a supervisory authority.
If you provide any information that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future services.
12. How we protect your information
We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL).
After a transaction, your transaction-related information will be kept on file to meet audit requirements and facilitate renewals. We do not retain any credit card details.
13. Relevant laws
GlobalSign commits itself to protect the personal information submitted by applicants and subscribers for its public certification services. GlobalSign declares to fully respect all rights established and laid out in European Union and Member States' laws and regulations:
- - European Directive 95/46 on the protection of individuals with regard to the processing of personal data and on the free movement of such data and as replaced by Regulation EU 2016/679 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (the EU General Data Protection Regulation); and
- - Provisions of the GlobalSign CPS.
14. Changes to our Privacy Policy
If we make material changes to our privacy policy, we will inform customers by emailing a notice of the availability of a new version with a link to the new version.
15. Contact Us
If you have any inquires, or questions regarding our privacy policy, please contact us at:
- We use the data you submit only for purposes identified in section 3 of this privacy policy.
- You have the right to review your personal data that GlobalSign holds and check it for accuracy.
- You have the right to correct data in the case that errors may be found in our records.
- You have the right to request that any of your personal data be erased. i.e. right to be forgotten.
- You have the right to obtain and reuse use your personal data for your own purposes
- You have the right to request that GlobalSign restrict the processing of your personal data under certain circumstances.
- You have the right to object to our processing of your personal data.
14. Changes to our Privacy Policy
If we make material changes to our privacy policy, we will inform customers by emailing a notice of the availability of a new version with a link to the new version.
15. Contact Us
If you have any inquires, or questions regarding our privacy policy, please contact us at:
Deputy Data Protection Officer
GMO GlobalSign, Ltd.
Springfield House Sandling Road
Maidstone, Kent ME 14 2LP
United Kingdom
16. Our Office Locations
GMO GlobalSign K.K., Tokyo, Japan
GMO GlobalSign Ltd., Maidstone, Kent, UK
GMO GlobalSign N/V, Leuven, Belgium
GMO GlobalSign, Inc., Portsmouth, NH, USA
GMO GlobalSign Russia LLC , Moskva, Russia
GMO GlobalSign Pte. Ltd, Anson, Singapore
GMO GlobalSign Certificate Services Pvt. Ltd., Delhi, India
GlobalSign China Co., Ltd., Shanghai, China
GMO GlobalSign Inc., Manila, PhilippinesGMO GlobalSign FZ-LLC, Dubai, UAE


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Home » Posts tagged 'publishing'
Tag Archives: publishing
Reporting back on new directions in self-publishing: A summary of challenges, opportunities and resources
Editors Toronto paired with PWAC Toronto Chapter to present a panel on self-publishing. The following post is from the PWAC Toronto Chapter blog, Networds. Thanks to editor Suzanne Bowness for giving BoldFace permission to share the post.
by Suzanne Bowness
If you're one of the unfortunate PWAC members who couldn't make it to the self-publishing panel held on March 27, which was co-organized by PWAC Toronto Chapter and Editors Toronto, you're in luck: I took notes for you. It's not quite the same as being there, but here are a few tips and images to give you a flavour of the event.
If there were a quote to summarize the evening, perhaps it was one of the first to be projected on the big screen in the University of Toronto (U of T) lecture hall, where we all gathered:
"Self-publishing used to be a scar; now it's a tattoo."
That's from Greg Cope White, author of The Pink Marine: One Boy's Journey through Boot Camp to Manhood. I forgot to take a picture, but the quote still sticks in my mind days later.
If the evening had a theme, it was how much has changed in the world of self-publishing, even in the last five years. Seriously, most panellists said those exact words or similar.
Hosted by the Creative Writing program at the School of Continuing Studies, U of T, the panel consisted of four industry pros, who all did a great job of dividing this big topic into digestible sections, providing a helpful mix of new information and personal anecdotes, which allowed their talks to flow together nicely. You can read the panellists' biographies here, in our original post advertising the event. (more…)
Editor for Life: Greg Ioannou, freelance editor, owner of Colborne Communications, and co-founder of PubLaunch.com and Iguana Books
Interview conducted by Jennifer D. Foster
A career as an editor is often a solo adventure, especially if you're a freelancer. So we thought one way to better connect with fellow editors was to ask them the W5: who, what, where, when, and why. Read on for some thought-provoking, enlightening tidbits from those of us who choose to work with words to earn our keep.
Greg, please tell us a little about yourself, the kind of work you do, and how long you've been an editor.
I started freelancing on September 6, 1977, though I'd done lots of writing and some volunteer editing for a couple of years before that. So not quite 40 years. My first paid editing gig was working on Coles Notes (I edited almost 200 of them), and from there I branched out into textbooks, dictionaries, and trade books. By 1982, I was working for a range of publishers, and also editing a section of Ontario's provincial budget. I've always been a complete generalist. My all-time favourite customer was Cranium, the board game company. I worked on over 30 games for them.
In 1985, I agreed to share a small office with two friends, which ended my days as a lonely freelancer working from my spare bedroom. That became a company that was originally called The Editorial Centre and is now Colborne Communications.
Five of us founded Iguana Books in 1991 as a book packaging company. (We put out one book soon after we launched the company. It was someone else's pet project—an academic book on a business subject—and I've never seen a copy of it.) In 2011 I converted Iguana to a hybrid publisher, serving self-publishing authors. Iguana has published about 70 books, many of which I'm intensely proud of.
Iguana publishes general trade books—fiction, non-fiction, poetry, kids' books, whatever. I won't publish a book unless it is at a fully professional standard. Our books are as well edited and designed as the books coming out of the major trade-publishing companies. As an editor, I've always been a complete generalist, and my publishing company is the same.
Iguana started crowdfunding its books in 2013, mostly using a New York-based website called Pubslush. By early 2015, a large portion of my income was coming through Pubslush, so when the company announced in August 2015 that it was going out of business, I sort of acquired the company. That deal fell apart seven weeks later. We'd been planning to rebrand the company as PubLaunch anyway, so that was an opportunity to program PubLaunch the way we'd wished that Pubslush had worked. (more…)
January speaker Q&A: Nina Munteanu, ecologist and author
Our first members' meeting of the year for EAC's Toronto branch is coming up soon, so we wanted to give you a taste of what to expect from this month's speaker. Nina Munteanu is an ecologist and internationally published author of award-nominated speculative novels, short stories, and non-fiction. She is co-editor of Europa SF and currently teaches writing courses at George Brown College and the University of Toronto. Nina has been coaching writers through the process of successful publication for over a decade and gives workshops to writers on editing, marketing, and promotion.
In Nina's presentation, "Keeping Up with the Changing Face of Publishing: What it Means for Freelance Editors," you'll learn about different forms of publishing (including self-publishing and indie publishing), publishing myths, where to find new editing opportunities, and how to market and promote yourself to writers who need your help.
Meeting details
January 28, 2014
Miles Nadal Jewish Community Centre, Room 318 (southwest corner of Spadina Avenue and Bloor Street West)
7 PM: Open discussion session for new and prospective EAC members
7:30 PM: Information session and program (Nina Munteanu's presentation)
9 PM: Mix-and-mingle over coffee, tea, and cake
Meetings are FREE for EAC members and students, and $10 for all other attendees.
Q&A conducted by Laura Godfrey
Why do you think self-publishing and indie publishing have grown more popular recently compared to larger, more traditional book publishers?
I think it's because we've grown out of that constricted and limited model. The traditional model consisted of the following scenario: a reputable publishing house screened works by hopeful writers and determined what got published and how, based on the current market; books were typically sold to bookstores via a distributor; what the bookstore didn't sell, it sent back to the publisher. Publishers relied on reviews from professional sites and traditional marketing to sell their top authors.