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Ontario Minister of Finance Accepts Recommendations to Amend Credit Union Legislation
March 21, 2016
Ontario's Minister of Finance recently announced that the Ontario government will accept the 15 recommendations set out in a legislative review report (Report) to amend Ontario's credit union legislation, The Credit Unions and Caisses Populaires Act, 1994 (Credit Unions Act). In its 2016 Ontario Budget, the Ontario government confirmed its intention to implement the Report's recommendations, which aim to align Ontario's credit union legislation with international best practices, allow credit union ownership of a wider spectrum of subsidiary businesses, and enhance consumer protection. The Report means to address recent changes in the credit union industry, including consolidation of credit unions, an increase in their asset size, and the development of new and innovative business lines that generate non-interest income.
Ontario's Ministry of Finance announced the legislative review in October 2014 and the Parliamentary Assistant to the Minister of Finance issued the Report in November 2015. If adopted, the recommendations will usher in significant changes to Ontario's credit union legislation since the last legislative review of the credit union sector in 2009.
No proposed amendments to the Credit Unions Act or related regulations have yet been published.
The Report contains 15 recommendations in nine different areas. We discuss in detail the recommendations that are likely to have the biggest impact on the business of Ontario credit unions.
Capital Adequacy
The Report recommends adopting capital adequacy requirements for Ontario's credit unions consistent with the Basel III international capital standards developed by the Bank for International Settlements. The Report proposes a five-year transition period for Ontario credit unions to reach the Basel III 10.5 per cent minimum risk-weighted capital ratio. Under the proposed new capital framework, investment shares issued by credit unions would qualify as Tier 1 regulatory capital, if certain eligibility criteria are satisfied. This would include a mandatory regulatory approval for investment share redemptions and an unconditional right by the credit union to refuse redemptions. The Report proposes a five-year transition period during which outstanding investment shares would qualify as Tier 1 capital, but newly issued investment shares would need to satisfy the proposed eligibility criteria to count as Tier 1 capital. As a result, Ontario credit unions would need to ensure that new offerings of investment shares conform to the eligibility requirements set out in the Report, once the recommendations in the Report are formally adopted. Canada's federal bank regulator, the Office of the Superintendent of Financial Institutions (OSFI), has adopted the Basel III capital framework for Canadian banks, including for federal credit unions (of which there are currently none), but OSFI is yet to announce how the Basel III requirements would apply to the unique legal and capital structure of cooperative financial institutions, such as federal credit unions and cooperative credit associations.
The Report is also proposing that the current four per cent leverage ratio would remain in place as a supplement to the risk-based capital requirement, although off-balance sheet assets would be included in the calculation. The minimum leverage requirement adopted by OSFI for Canadian banks is three per cent.
The Report does not contemplate the introduction of a non-viability contingency capital conversion requirement for any capital instruments issued by Ontario credit unions, unlike the federal capital framework.
The Report recommends repealing the group capital provisions of the Credit Unions Act, under which two or more credit unions may enter into an agreement with a league for the purposes of meeting the capital adequacy requirements, with the approval from Deposit Insurance Corporation of Ontario (DICO).
Lending and Investment
In terms of lending and investment rules, the Report recommends permitting Ontario credit unions to enter into loan syndication agreements with credit unions in other provinces. Under the current rules, Ontario credit unions are only permitted to enter into a syndication agreement with other Ontario credit unions or with certain listed entities, such as a league.
The Report also recommends that the investment powers of credit unions be broadened by allowing them to wholly own a wider spectrum of subsidiary businesses, such as insurance brokerages. Although the Report does not provide many specifics on this proposal, the objective is to put credit unions on equal footing with the investment powers of banks.
Consumer Protection
The Report recommends aligning Ontario's credit union consumer protection framework with that in place federally for banks. Specifically, the Report recommends disclosures to members similar to those required federally for banks, which could include: disclosures on account fees, deposit-type products (e.g., index-linked Guaranteed Investment Certificates), and mortgage default insurance. In addition, the Report suggests regulatory prohibitions related to: coercive tied selling, negative option billing, maximum cheque holding periods, or minimum account balances as conditions for loans.
The Report also suggests some voluntary commitments from credit unions, including publishing annual accountability statements, providing notice of branch closures, and submitting complaints data to the regulator, similar to the federal requirements for banks. These changes are in response to the absence of a third-party dispute resolution framework, such as an ombudsman, for resolving credit union member complaints.
Lastly, the Report suggests working with credit unions to explore the role credit unions can play in protecting and educating consumers of payday loans by providing lower-cost alternatives and education initiatives to improve consumer financial literacy. This recommendation comes at the same time as the Minister of Government and Consumer Services introduced Bill 156, which will amend, among other legislation, the Payday Loans Act, 2008. See our December 2015 Blakes Bulletin: Regulating 'Alternative Financial Services' in Ontario for more details.
Deposit Insurance
The Report recommends increasing Ontario's provincial deposit insurance coverage limit to C$250,000 for basic deposits and limiting the deposit insurance coverage for each category of registered accounts (registered retirement savings plans, registered retirement income funds and tax-free savings accounts) at C$250,000. Currently, the deposit limit in Ontario for basic deposits is C$100,000, while cash deposits held in registered accounts are subject to unlimited deposit insurance.
Other Recommendations
The Report also recommends:
- That the Ministry of Finance lead an initiative to address provisions in regulations under various statutes that do not include credit unions as permissible financial institutions. This recommendation aims to put credit unions on equal footing with banks under Ontario regulations.
- That the Ontario government work with the Ministry of Municipal Affairs and Housing to consider changes to the investment rules for municipalities in order to remove barriers to municipalities from doing business with credit unions.
- That differentiated rules for small credit unions be removed from the Credit Unions Act. Currently, the Credit Unions Act applies more restrictive rules to credit unions with assets of less than C$50-million if they do not engage in commercial lending.
- In terms of corporate governance, no enhancements to corporate governance standards were recommended, although the Report recommends requiring credit unions to report to members on gender composition of boards.
- That Ontario maintain the ability to enter into reciprocal agreements on credit unions with other governments.
- That the Ontario government consider recommendations of the "FSCO-FST-DICO Mandate Review Panel" with a view to clarifying the roles of the Financial Services Commission of Ontario and DICO with respect to the credit union system in Ontario.
Neither the Report nor the Minister's announcement specify the next steps for the recommendations' implementation. We would expect that since Ontario credit unions were consulted in connection with the Report, the next step would be draft legislation.
For further information, please contact:
Paul Belanger 416-863-4284
Preston MacNeil 416-863-5842
Vladimir Shatiryan 416-863-4154
or any other member of our Financial Services Regulatory group.
Posted in: Banking, Financial Services, Financial Services Regulatory
Blakes and Blakes Business Class communications are intended for informational purposes only and do not constitute legal advice or an opinion on any issue.
We would be pleased to provide additional details or advice about specific situations if desired.
For permission to reprint articles, please contact the Blakes Client Relations & Marketing Department at firstname.lastname@example.com. © 2019 Blake, Cassels & Graydon LLP


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Earlier today, I posted about kids teaching kids with the Mathtrain.TV site. The obvious use for this site is to have students use the video tutorials as models for solving similar problems. Unfortunately if this is the only way these videos are used, it's likely that only surface, rote learning is taking place. The same is true about most of the math resources that are readily available. It's up to us as math educators to look beyond the obvious, intended uses for these resources in order to ensure that deep, long lasting learning is taking place. So that go me thinking about how the Mathtrain.TV videos could be used more effectively with students.
Below are some ideas for using these videos in less obvious ways that can actually deepen student understanding of the math concepts/skills:
- have students describe what they like most about the video and what they learned from watching the video...Did watching the video change how they will work similar problems in the future? If so, how?
- have students describe how the video explanation could be improved...Would visuals be helpful? Should number sense be involved in solving the problem?
- have students explain how to estimate the answer to the problem...Would it have made more sense to estimate rather than solve for an exact answer? Why or why not? How would estimating the answer be helpful?
- have students explain how the problem could be solved using a different method
- have students draw visuals that illustrate the problem being solved in the video
- have students debate whether or not this is the most efficient way (fastest and easiest) to solve the problem..then have them write a letter to the student who made the video explaining why this is or is not the most efficient method for solving the problem
- have students view two videos that use different methods for solving the same type of problem, then have them compare and contrast the videos including which method they would choose (if either) and which method is most efficient for solving similar problem

subset: commoncrawl


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Jill Scott, Eve and Regina Hall to Star in Lifetime Movie
Multitalented actresses Jill Scott, Eve and Regina Hall have signed on to star in the Lifetime Television movie 'With This Ring,' according to the Hollywood Reporter.
The romantic comedy tells the story of three single BFFs (Scott, Eve and Hall) who vow to get themselves married within a year after watching their fourth best friend get hitch in a lavish New Year's Eve wedding.
Former video director-turned filmmaker Nzingha Stewart will write and direct the project, which begins production in August for a television debut later this year. 'With This Ring' is executive produced by Tracey Edmonds, Gabrielle Union and Sheila Ducksworth.
This isn't the first time Jill Scott and Eve has worked together on a project. The duo teamed up on the 2011 single 'Shame' from Scott's fourth album, 'The Light of the Sun.'
Ironically, Eve recently married her longtime boyfriend, Maximillion Cooper, in a lavish wedding ceremony in Ibiza, Spain this past June.


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Please read the Terms and Conditions of Volunteer in South Africa / Abreakaway Volunteers carefully before submitting your booking form. By clicking on the box besides the words 'I have read and agree to the Volunteer in South Africa legal terms and conditions' and agreeing to them in the online booking application form, you agree to the following terms and conditions.
The volunteer is solely responsible for arranging and paying for their own travel, specifically including all airfares or other transport costs to and from the host country as well as any local transport costs to site see etc (if we offer transport to and from Projects then this is included in the price). It is the responsibility of the volunteer to carry all necessary documents when travelling abroad. While Volunteer in South Africa may advise the volunteer on required travel documentation, Volunteer in South Africa is not responsible for any supporting documents necessary for the volunteer's travel needs or other purposes.
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Volunteer in South Africa does not provide the volunteer with insurance of any kind. Travel insurance is mandatory for each volunteer, and the volunteer will need to purchase this prior to departing on the trip. The volunteer is solely responsible for evaluating and determining the type, extent and levels of any insurance coverage they need or desire for their planned volunteer travel period. However, it must cover their entire travel period.
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Form 8282(redirected from 8282 Form)
Form 8282
A form that one files with the IRS providing information on the recipient of an item or other asset donated to charity. This information may affect whether the value of the item or asset is tax deductible. The form has spaces for the original recipient as well as any successor recipients.


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'Simply 'specsational'. Heart-wrenching yet heartwarming at the same time… it takes a very special talent to achieve this and I'm delighted to say that Ewa does with flying colours.'
Rating: ⭐ ⭐ ⭐ ⭐ ⭐
Title: The Mystery of the Colour Thief
Author: Ewa Jozefkowicz (@EwaJozefkowicz)
Illustrator (Cover): Sophie Gilmore (@sophillustrates)
Publisher: Zephyr (@HoZ_Books)
Page count: 192
Date of publication: 3rd May 2018
Series status: N/A
Perfect for Year 6 & Year 7.
1. Friendship 👭
2. Strength 💪
3. Colour 🎨
First the accident, then
the nightmares.
A shadowy thief steals the colours
from Izzy's world.
Will her new neighbour and a nest
full of cygnets save Izzy
and solve the mystery of the colour thief?
The first line:
He came out of nowhere, a man in the smoke.
The story begins, as does some of the chapters, with a voice. An unknown voice. A voice given to a character. A most sinister, shadowy character who we can't see, but later see the effects of, and can instantly feel coming; looming closer with every word. This too is how it feels for main character, Izzy who finds herself waking up more and more as white as a sheet, reeling in shock and horror at the thought of her dreams which are every bit turning in to nightmares that are encroaching upon her, invading her and taking over her sleep.
Izzy's mum is in hospital after a car accident – and Izzy attributes blame and fault only to herself. Overwhelmed with pangs of guilt, wracked with anxiety and shrouded in grief, Izzy cannot even face the slightest of sights of her hospitalised mother, lying senseless to the world in a coma. So it's no wonder the colours of her world start to fade. Literally. As she watches the mural on her bedroom wall's colours mutate and dissipate; reds, yellows, greens, blues: gone. But what could be happening and where could they be going to?
With no mother to turn to, likewise no father to turn to and a best friend who turns her back on Izzy, she's left in the dark; trapped in a world where's she continually suffering from the blackest of Blackest Days. However, new hope emerges for Izzy with a new neighbour. Toby. Paralysed after an accident yet full of positivity and perseverance, it is he that starts to bring new life to Izzy in more ways than one.
First with a nest of cygnets that need rescuing. When researching the correct collective noun to describe a group of cygnets, it referred me to swans. More specifically, 'a lamentation of swans'. Yet towards the end of the story, I think that the first collective noun in the list, 'a ballet of swans' becomes the more apt term because it is this small change for Izzy from Toby that brings about a radically different change in Izzy's thinking. Together can they help the cygnets, who become one of the true centrepieces and cornerstones of the story?
But even greater than that, can they put an end to the disappearing colours, break through the darkness and solve the mystery of the eponymous colour thief?
As Izzy's father would say himself, this is simply 'specsational'. Emotive, engaging and full of moving moments, The Mystery of the Colour Thief paints a picture that's a compassionate and heartfelt look at mental health and ends up being a canvas of hope that permeates through its pages. It's beautifully and sensitively written; heart-wrenching yet heartwarming at the same time. It takes a very special talent to achieve this, especially with her debut and I'm delighted to say that Ewa does this with flying colours.
'Simply 'specsational'. Heart-wrenching yet heartwarming at the same time… it takes a very special talent to achieve this and I'm delighted to say that Ewa does with flying colours.'
Big thanks to Ewa and all at Zephyr for sending me an advance copy of The Mystery of the Colour Thief and to Fritha for helping organise this beautifully-written guest post from Eva. So an extra huge thanks Ewa!
Mr E
The Mystery of the Colour Thief is available to order online or from any good bookshop.
Today I am also delighted to welcome author of The Mystery of the Colour Thief, Ewa Jozefkowicz to The Reader Teacher. Here, she shares with The Reader Teacher her thoughts on mental health issues and how she hopes her book will help children to reach out…
'My thoughts on mental health issues among primary school-pupils and how I hope The Mystery of the Colour Thief will help children to reach out'
'I knew that nobody else would understand about the colour thief.'
This is what Izzy, the heroine of The Mystery of the Colour Thief says to herself when she's considering telling her dad about the horrible shadowy man of her nightmares. Unfortunately, she comes to the conclusion that she shouldn't worry him as he's already very sad, and she continues to struggle on with her problems on her own, as her world turns increasingly dark.
Izzy avoids her teachers, although ask her how she's feeling, and she snaps at her aunt, who comes to stay with her and her dad and wants to help out. This is because she truly believes that nobody will understand the emotions that she's going through.
It is only much later in the story, when her new neighbour Toby opens up to Izzy about the challenges he faces, that she is able to share the story of the colour thief with him, and together, they try to stop him in his tracks and solve the mystery.
This reluctance to tell somebody is a trait that is sadly very common among primary school children, many of whom might not even realise why they've suddenly begun to feel so different. In recent national surveys, teachers and senior leaders have expressed worries about the rising levels of anxiety and depression among their pupils. Some of these conditions are linked to school pressures (such as exam stress from SATs), some are linked to a difficult family situation, or a broken friendship; others still are unexplained. All are incredibly upsetting.
Through The Mystery of the Colour Thief, I've tried to bring across three important messages:
- If you're feeling scared, nervous or low, you are definitely not alone.
- No matter how bad things get, there will always be somebody caring who will help you to repaint your world, but they won't be able to do so if you don't trust them.
- Sometimes when you're not feeling yourself, your friends may not be sure how to act around you, and that's OK too.
I think that this third point is important to emphasise , as it is particularly relevant among primary school children. In The Mystery of the Colour Thief, Izzy's best friend Lou has no idea how to act around her following the accident which changed Izzy's world. As a result, she decides to slowly spend less and less time with her, and to form a new friendship with Jemima. This broken friendship is particularly distressing to Izzy, who is already going through so much, but it serves to help her understand that she is stronger than she thinks, and that she has other people who care about her and are able to help.
As adults, we all know that relationships are tested in difficult times, but we rarely consider that this is also true of early friendships in primary school years.
Towards the very end of the story, Izzy says to her mum, who is still unconscious in hospital, 'It turns out that you're stronger than you think. And sometimes you just need a bit of help,' which I hope is a message that will resonate with a number of young readers.
Ewa Jozefkowicz, author of The Mystery of the Colour Thief
The Mystery of the Colour Thief by Ewa Jozefkowicz, published in hardback,
£10.99, 3 May 2018 from Zephyr
@EwaJozefkowicz @HoZ_Books #TheMysteryoftheColourThief


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Soundtrack review: The visitor (Jan A.P. Kaczmarek – 2007)
"The visitor" was a drama from 2007 about a lonely man in late middle age. The movie is sad and serious and has no trace of a happy ending. The main character takes piano lessons in an effort to remember his late wife, a concert pianist. Jan A.P. Kaczmarek's score, expectedly, features piano heavily.
Interestingly, the score includes three tracks named "Walter's etude no 1", "Walter plays half of his etude no 1" and "Walter plays etude no. 2 with almost no mistakes", which I imagine are part of Walter's piano lessons. These three cues sound simple and innocent. In fact, this simplicity marks almost every cue. It's a meaningful simplicity, with a shadow of inescapable sadness in it.
As the character is an everyman, the music was written to reflect that. There's nothing extraordinary about the cues, you don't get amazing 6 star cues that rock your world and give you goose bumps. The variations are small, both joy and sadness move within short ranges. Every sound mirrors the life of the main character. "The visitor" plays like a couple of autumn leaves flowing on the stream the rain made on the side of a street…The solo piano and the violin communicate everything the composer wants to tell us, and I understand.
So why 2 minutes of excellence in a score similar to the man portrayed in the movie, lacking such notions? Because "The loneliness" just reaches a familiar place inside me and I feel it closer than the rest of the score. Even so, "The Visitor" was an interesting listen because it managed to tell me exactly what the character and movie are about. This is the brilliance of it, and it's another of the unforgettable Jan Kaczmarek gems….
Cue rating: 60 / 100
Total minutes of excellence: 2 / 49
Album excellence: 4%
The loneliness


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- AV-Preeminent rating from Martindale-Hubbell since 1993
- Named a Southwest Super Lawyer since 2006
- Named one of Southwest Super Lawyers' Top 25 Attorneys in New Mexico - 2018
- Recognized in 2017 with a lifetime achievement award as one of the Top 100 Attorneys in New Mexico
- Listed in The Best Lawyers in America * since 1995 in the areas of Civil Rights Law, Employment Law Litigation and First Amendment Litigation
- Named Best Lawyers * New Mexico Lawyer of the Year in the area of First Amendment Litigation in 2014, 2016
- Named Best Lawyers * New Mexico Lawyer of the Year in the area of Civil Rights Law in 2018
- Best Lawyers * Best Law Firms in New Mexico – Top Tier Ranking – Civil Rights and Employment Law – 2017, 2018
Academy MemberMap & Directions
Philip B. Davis
1000 Lomas Blvd. NW
Albuquerque, NM, 87102
Fax: (505) 242-1864
Website: www.davislawnm.com
- Practice Commenced: 2013
- Total Mediations (as of Dec 2019): 200
Practice Percentages
Phil Davis draws on his nearly 40 years of experience as a litigator in his work as a mediator. He has successfully mediated more than 200 cases. The cases he has mediated involve a wide variety of legal issues and range from simple to complex, and from less than ½ day to more than a week. Phil's new office has multiple, comfortably appointed conference rooms, which allows for a neutral site that can accommodate two or more sides to a lawsuit. Any mediation lasting more than a half day will be catered by one of several nearby restaurants to allow participants to stay focused without delaying the mediation process.Phil has lived in New Mexico since 1972. He is a 1978 graduate of the University of New Mexico School of Law and a former law clerk to United States District Judge E.L. Mechem. Phil has been in private practice in Albuquerque since 1981. Since then, he has represented the victims of government and corporate wrongdoing. Phil has handled hundreds of civil rights cases involving police false arrest and excessive force and employment cases involving wrongful termination, free speech retaliation and whistleblower claims. He has also handled numerous race, age and gender discrimination claims and has been involved in class action cases on behalf of inmates in jails and prisons and persons with developmental disabilities in state-supervised housing facilities. Phil has tried cases in the federal and state courts all over New Mexico. He has also been involved in numerous appeals in both the New Mexico and federal appellate courts.
Case Experience
- ADA Disability
- Anti-Trust
- Appellate
- Arts (Fine/Performing)
- Automotive
- Business Dissolution
- Civil Rights
- Class Actions
- Commercial/Business
- Construction
- Consumer Fraud
- Contract Disputes
- Cross Cultural
- Discrimination
- Education
- Employment
- Health Care
- Insurance
- Labor/Unions
- Landlord/Tenant
- Legal Malpractice
- Local Govt./Municipalities
- Native American
- Non-profit Organizations
- Nursing Homes
- Partnerships
- Personal Injury
- Police
- Premises Liability
- Probate
- Product Liability
- Professional Fees
- Professional Liability
- Professional Malpractice
- Professional Negligence
- Property Damage
- Public Policy
- Real Estate
- Religious Institutions
- Sexual Harassment
- Torts
- Wage & Hour/FMLA
- Workers' Compensation
- Wrongful Death
- University of New Mexico School of Law - J.D. 1978
- Middlebury College - B.A. 1974
Memberships & Affiliations
- State Bar of New Mexico (1978)
- United States District Court for the District of New Mexico (1978)
- Tenth Circuit Court of Appeals (1978)
- Seventh Circuit Court of Appeals (1981)
- U.S. Supreme Court (1985)
- Adjunct Professor, UNM School of Law (1995 to present)
Rates Information
As of January 2019, Mr. Davis charges $325.00 per hour for mediations.


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THE ICE CREAM TRUCK gets a tasty third movie poster
Writer-director Megan Freels Johnston's suburban nightmare, The Ice Cream Truck, is now available on VOD outlets via Uncork'd Entertainment including Amazon Instant Video, Fandango Now, Google Play, iTunes, and Vudu.
The provocative psychological thriller stars Deanna Russo (Being Human, Gossip Girl) as Mary, who moves back to her suburban hometown after her husband gets relocated for work. As her family ties up loose ends back home, she moves into their new house alone. And although the move makes Mary nostalgic for her youth, there's something very sinister about that Ice Cream Truck that patrols her suburb.
The Ice Cream Truck also stars Dana Gaier (Despicable Me 3), John Redlinger (Thirst, Banshee), Emil Johnsen (Isolerad), Hilary Barraford (Go For Sisters), Jeff Daniel Phillips (31), and Lisa Ann Walter (War of the Worlds).
Storytelling is very much in Freels Johnston's DNA. The granddaughter of legendary crime writer Elmore Leonard, The Ice Cream Truck screenplay was a semi-finalist in the Circus Road Screenplay competition.
As a producer developing material for over a decade, Freels Johnston worked on adaptations of her grandfather's work and produced Sparks, the directorial debut of Joseph Gordon-Levitt. After completing a project for the USA Network, she decided to follow her passion and write and direct her own material. Her first film, 2014's micro budget thriller Rebound, developed a cult following on VOD, was called, "Almost David Lynchian in its strangeness" by Film Threat and Rue Morgue said, the film "(was) worth watching to the end for the unnervingly realistic twist ending."
Official Synopsis: Mary's husband gets relocated for work which allows her to move back to her suburban hometown. As her family ties up loose ends back home, Mary moves into their new house all alone and….waits. Yet in this idealistic world, something seems very odd. The Ice Cream Man, a symbol of youth and good times, starts killing some of her neighbors. Mary soon learns that the suburbs are scarier in more ways that she ever remembered.


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Accepted papers will be published in Lecture Notes in Computer Science, Springer. The volume will be provided to all conference participants at the meeting.
Lecture Notes in Computer Science - Conference Proceedings - are indexed in Web of ScienceTM.
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Lecture Notes in Computer Science
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Templates and paper preparation - only in LaTeX
Go to the page Information for Authors of Computer Science Publications at Springer. Read the related guidelines. Download the LaTeX2e Proceedings Templates. You will find the template file for a paper in samplepaper.tex.
NEW IN 2017/2018: Springer can now include ORCID for authors and editors of the proceedings. See the announcement here.
Please observe the following recommendations:
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Camera Ready version
NEW IN 2017/2018: Springer can now include ORCID for authors and editors of the proceedings. See the announcement here.
Using the mechanism available after you login to the Conference web service, send a ZIP file containing all your files needed to compile the camera-ready version of your paper (main file, included files, graphic files, copyright form etc.), and a compiled version for technical verification of the compilation.
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Please download the Copyright Form from the Section "Copyright form" of this page, fill it up, print and have it signed by the Corresponding Author of the paper. Then, please scan it and add the scanned file to the ZIP file containing the set of documents to be submitted as the Camera Ready version of the paper.
To fill in the form, use the following data on the ICCVG Proceedings volume:
|Title of the Book/Volume/Conference:
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|L. Chmielewski, R. Kozera, A. Orłowski, K. Wojciechowski, A. N. Bruckstein and N. Petkov


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I played for several years with the idea of telling my story in a blog post. A story about the sad and joyful realities a Tesla employee must face day-by-day. I was hesitant to do this as I love so many things about the teams I've been part of and about what Tesla represents. I think this is the main reason why Tesla can get away with anything… I guess is very easy to hide behind a great product and especially a great public image.
When I say this, I don't mean to say I love the company with a market value bigger than GM, but rather the philosophical notion of "Tesla Motors – the disruptor of automotive industry as we knew it" until recently (not even half a decade) and the Holly Land for so many engineers, from the most experienced ones to the newly engineering graduate who dreams of changing the world into a better place. I consider myself lucky to not just see my dream become a reality but to work on it, to see an Electrical Car come to life, spending days and many nights with some of the engineers in my team not being aware that by the time we found the solution to our challenges, our watches showed 4 or even 5 am… again.
I'm not writing my story to denigrate Tesla's or Elon Musk's name, but rather to make others think, to show you evidence of what I've been thru and to let you draw your own conclusions and rise your own questions and, never the less, to show prove that it doesn't matter if you are a woman or a man: it's your decision, and yours alone, to choose if you want to give up or stand up and fight!
You are surely wonder what made me decide to write this blog now. Why now?
For two reasons: one that made me start a legal action against Tesla three years ago (still in arbitration) and the second…. Well, yesterday morning I woke up to read an article in INC magazine by Justin Bariso (in case you do not who he is: he is an expert in Emotional Intelligence and probably Elon Musk too).. This article gives praise to Elon Musk for an email which is several years old and the main cause of my second "resignation" from Tesla Motors Inc.
An email like this raises a few questions:
- Did Elon sent this email as a warning, because, maybe, he heard some rumors on how bad things really are inside Tesla?
- Was this email sincere when he ended with "No kidding"?
- It's easy to put together touching emails, the real challenge is what you will do when someone acts based on it. Will you go thru with your promises? Will you act as you said?
I hope my story will make you shape your own conclusions… don't want to point fingers, I just want to present facts… and hopefully have some answers someday.
Here is a sneak peek of what I've been thru: I am probably a singular event in the universe of employment history, as I was "resigned" not just ones, but twice from Tesla Motors Inc.
Yes, twice resigned!
First time at Tesla I was part of the battery module team (for non-believers: my initials are carved in the molding die that makes the modules, as a recognition for my work to make possible these extraordinarily intricate parts. I didn't know about this until I saw the physical part in my hand…). The "resignation" was not by choice but, by some horrible play the fate brings you sometime. I though at length If I want to share such a painful episode in my life with everyone…. It happened in January 2013, under the suspicion that I might have breast cancer and in conclusion I will not be any more so valuable to them… however, I will get to that a bit later in another article of this blog, so I can tell my story and show you evidence Not just words, so you can draw your own conclusions.
Second time it was more mundane: it was the consequence – in part- of an email sent by Elon Musk, same email you read about in Justin Bariso's article. I was crazy enough and dared to reply to it, and – and the rest lies with my gullibility about Elon Musk's and his emotional intelligence approach to PR. Bear with me as some information is needed first.
A few months after my first departure from Tesla, I was re-hired as part of the Interiors Design team – yes, they had to wait long enough to see if I am still have all my body parts and my hair intact – a good indication of not having cancer. One of the rehiring conditions was explicitly from HR to "forget what happened in January and never bring that up". I was happy to oblige as long as this would give me the opportunity to make my mark again in the future of transportation, I had all my friends still there and, on the other hand I must admit I enjoyed a lot to look in the eyes a few people that showed me how low and heartless some humans can be…
Long story short, this "new" Tesla Motors that I return proved to be a collection of silos, each run with impunity by a manager with satrapian powers, and when I dared to bring up that Elon's vision required the free flow of information, I was served a cold piece of reality: "I though you are smart, but am very disappointed about you, if you still think that Elon Musk runs Tesla. He is just the face of Tesla, not the brain of Tesla. Here WE are doing whatever we want". This from my direct manager Derek Allen. You do not want to know what I reply back to him…
"WE" meant several levels of a close-knit network of old friends including engineering, purchasing, HR, legal and about everything you need to run things the way you like, without fear of ever being caught with any wrongdoings, as the cops are the same as the robbers (remember the childhood games?). Compared to what I experienced before in the battery team, this was not just the complete opposite of the company that I loved so much, but a nightmare of everything that can go wrong in a company….
After fighting my way for months with the "system" I tried and succeeded to solve two engineering issues (details later) with the help and support of an entire team who had enough from a few of the "WE" gang. The result: I was bullied, humilied, demoted and retaliated against in the most horrible way possible. As a result, I got to the conclusion that I have to leave this company which does not look like the Tesla I had known before. I was shocked when I was approached by quite a few engineers who asked me not to give up, as they see in me a chance to end this tyranny that was imposed for months to the group, way before I got there… In that moment after hearing what they've all been thru as well, I promised them I will get to Elon one way or the other, even if I have to get to the supreme court, moment in which one of them send me the "Communication within Tesla" email.
I promised myself I will fight for this. I tried thru all the company channels, up to our VP of engineering Chris Porritt, to make them hear us only to end up in an even more threatening situation. In the end not knowing where to turn, after a meeting in which I was told "nobody will believe you instead of us", I started recording some conversations so I can show proof to Elon about what was going on. Doing so I thought it is the right thing to do for Tesla… One of these recordings is a 2+ hours meeting with our VP and 7 engineers explaining the situation that we were all in, this meeting happened only after I told the VP after a month of doing nothing we will all go to Elon.
And, boy, did he do: After this meeting, things got even worse. The other seven engineers were harassed and threatened in private meetings with one of the two managers we all complained about Derek Allen and Andrew Raczkowski, being asked to drop their complains if they don't want to be made a "problem employee" ….
My situation was simple: I started being hunted by the HR Marrisa Peretz and Legal departments personnel Steven Cooper, being singled out by the VP of engineering as the only person from that meeting to bring accusations about the two managers, and that was it. In their minds it was an easy solution: I was supposed to be thrown out of the company, this way it would be a lesson for everyone who would dare in the future to speak up! Their problem was that I was not stupid, and my problem was that I got mad and told the legal counselor (after they unveiled their plan) something I hoped I will have to tell only to Elon Musk: that I recorded the two hours meeting in which ALL of us complained about same things and same two people, no matter what projects we worked on. For the next few weeks the situation become unbearable for me, as they pressured me to give them the recording while I kept saying again and again "they are for Elon's ears only"…
Then I made my mistake: I wrote an email to Elon Musk, in reference to the infamous "Communication within Tesla" email to let him know that I must meet with him in order to show him evidence of shady things going on inside the company, that he need to be aware of. Next day I was informed by the legal counselor of Tesla Motors that I committed "the biggest mistake in my career", adding the bullying and the pressure to "friendly present my resignation".
To circle back to the reason of why this blog came alive: Elon Musk's email might have been genuinely well-intended, however it became a way to weed out the "dissidents" or just a PR stunt to enhance the "visionary leadership" image of the greatest CEO to ever walked the face of the Earth. As I once believe it…
Without any further ado, here is the
First email I sent to Elon and his "Communication within Tesla" as a reply
Date: April 12, 2014 at 10:07:37 AM PDT
To: Elon Musk
Subject: FW: Communication within Tesla
Hi Elon,
I need talk to you in private without No one knowing about this… I need to see you or talk to you about something Exactly to what are you describing in you email…but it is even worse 🙁
My worries and what I'm scared of is that: what would you do when is not just One manger involved and are a few on top of them that cover each other up…
I Love this company more then anything in my Life, it is My Dream… I didn't had a life for the past 4 years…and that including a funeral that I missed, a mild heart-attack, a few trips with the ambulance after working for more then 27hrs strait and… And in the end a divorce for put me to choose between Tesla and him…That's why I tried to do something about it when I saw what is happening in here.
I'm the girl that showed you the new cool [..] that everyone who saw it they go crazy saying: this is so Tesla all over… But to be able to make it happen that prototype I had to go thru Hell in here…
I cannot believe this is happening in Tesla. I feel I'm in a nightmare about Tesla that I cannot get out…
I didn't want to bother you in the beginning, knowing how busy you are, I try to fix the right way and bringing up to my other mangers and VPs, but it's getting out of control and I cannot believe I'm saying this, I don't trust anyone anymore beside You… And two other people… Not even legal department… And HR it's the worse of all.
I will get in a Lot of trouble if they will find out I contact you, but I'm just a passionate out of the box engineer. I'm not an expert in management and lawyers games and they know how to turn things around so they can cover again. I was told that even I'll have lunches with you I'll not change things around here…
They call me the The Catia Fairy in tesla (battery and interiors) because I was the one saving the battery 3 years ago. I just move to interiors 10 months ago and always want and love to help anyone from any department no matter the hour, time crunch or difficulty…
Someone ones asked how can I do it nonstop and still put a smile in the end… The truth: I Am not part of Tesla, Tesla is part of Me and I prove that. I am not here for stocks. I lost then all, but that's another story. A few weeks back I end up with -$10 in my account for a week so I can make the […] project happen, I had to borrow money for a week… This is how much I Love this company
But what make me come to you beside […] struggle are other problems that are even worse… Waste of money, covering up things, intimidate people from the group if we are not obey… I had to apologize to the suppliers for a lot of bad things that my managers did… I ask them to believe me that Tesla it is a different oem, but their disappointment about Tesla is like they say something bad about my baby… And I'm tired… It shouldn't be this way.
I always was a stubborn, and passionate person, I'm not scared of hard work or speak up for what I believe in. You can Love me or Hate me, because I always say what I believe even if you like or not. My bad spot… I am not a two faces person or switch sides like they told me when it gets convenient
I immigrated to Canada with less then $1,000 in my pocket when I just turn 22, 12 years ago and came to US 7 years ago; I know what hard work means and how to appreciate every day of me life…
If this email that you send is True, I need a bit of your time to present everything to you and that means fact… Including a few recorded conversation that they don't know about… I did had to record them… After I realize that's my word against them.
Only problem is where I can see you, because they watch my every move… I am so scared right now that I TRULLY wonder if you will get this email or they will…
Thank you,
Your…Cristina Balan.
Here is a small inside of what I've been thru and this is nothing
Building on the pressure put on me, I cave in and emailed to the Director of Engineering, Eric Bach, that I cannot stand the abuse any longer that I made him aware for more tehn 6 weeks, but I also added that I will not leave Tesla without first showing all the evidence I have to Elon Musk. Following this incident, the director scheduled a meeting for the next day and promised me that, as he doesn't want to accept my resignation, he will fix the situation IF I promise Not to show anything to Elon Musk. I agreed!
Next day (April 16th 2014), after this meeting and exactly half an hour before I was prepared for an "ad hoc" meeting with Elon Musk, I was escorted out of the sight of my coworkers, in a construction site where "anything could happened" and "resigned" again or as they said: "we decided to accept your resignation from yesterday"– this time with two security guards at the door of the office where my "exit interview" was happening. Interesting thing is that the HR representative was so eager to get me out of the premises before Elon Musk was supposed to conclude his scheduled meetings, that she agreed to write on my exit interview form, in her own handwriting, as the reason for leaving the company: "threatened if she spoke up". Under duress, threatened that if I do not sign my resignation I would be handcuffed and dragged to the parking lot, knowing what my self-respect means to me and how proud I am, I signed whatever was shoved under my nose and I left. I was not even allowed to collect my personal items, which are still held by Tesla. The only things the HR person returned to me were my purse and cell phone from my desk. I walked out the door, followed by the legal counselor who advised me that is in my best interest to "destroy all evidence, especially the recordings" I intended to show to Elon Musk, "for my own good". Couple of seconds later I collapse in front of Freemont entrance, not knowing what happened just after I was picked up by the ambulance. It was an experience that marked me more that I can express in words. My dignity as a strong woman that everyone know my for was for a while affected: I had a choice to fight back or just accept the failure I encounter.
If you think I stopped here you are wrong: After getting out of the hospital and trying to make sense of everything that I've been thru, I didn't want to believe that Elon ignored my email. The other engineers who were in the meeting with The VP of Engineering were even more scared than before thinking what will happen with them now… So I decided to write a second email to Elon Musk:
My Second Email to Elon:
Sent:Saturday, April 19, 2014 11:19 PM
To: Elon Musk
Subject:Re: Communication within Tesla — and Paying the price
Hi Elon,
Unfortunately what I was afraid of, it happened ! I'm out of Tesla, because I dare to stand up for my team and speak up for what is right for Tesla.
I was forced to resign on Wednesday, throw out in the street and not be allowed to go up to say goodbye, just so I'll not have the chance to talk to you and show you the facts and evidences I had.
The main reason for what they did to me, was to put a fear on all the other members of the team that will ever think to try something like I did. Yes we are 8 of us to try and testify; all of us that we have the same events for different projects in different time frames and 8 of us to have meetings to try and change something.
Is not just a one time thing, is happening for a wile, but each time my colleagues tried something were shut down.
I was threaten to renounce and handle all my evidence against the management who's covering up everything. The biggest shocked we all had was from the sr mgnt that we ask for help… And from the legal that asked me to destroy the evidence and not show you the recordings and facts that I have…
Just to fast summarize a few of the things I don't want to hide and let it happen anymore:
*Cover ups and waisting hundreds thousands of dollars on mistakes that could be fixed from the beginning so we'll not have a problem; *Choosing suppliers 8 times more expensive because they knew each other outside of Tesla. *Changing design intend so we can accommodate the suppliers not other way around, without carrying what kind off quality we put in the car or by how much we are delaying the project *Misleading suppliers to the point they told me they don't think they want to work for Tesla in the future, *Lots of times that I had to apologize to our supplier for my manager and fix the mistakes so we can save our reputation as a company. * Putting parts in the car knowing are bad, cars coming back in less then 30 days with quality issues * Carpets that could be fixed, the engineers ask to be changed, they rise the issue and the management covered up again and again.
In my case, I fight with them and I prove I was right in both of my projects. Even I was threaten I didn't obey. I did what was right for Tesla, because from where I stand I don't work for them, I work for Tesla.
When I didn't want to shut up and lie about it and ask to cut quality, I worked night after night and in the end in a bit more then a week, I proved to everyone that I was right, we can still do something and have the quality.
I speak up and showed everyone involved. The results, I was demoted in the lowest position in the group and all the projects were taken away from me; It hurt to be force to accept this position, BUT I was not sorry for fighting and doing what's right.
Unfortunately, the bulling and imitation that I had since then, rich an unbearable level and I asked many times to be transfer, but nothing…
I have a reputation of going a extra mile for everything I do and exceed expectation… I'll not stop now. One of our supplier send me a gift in which he said to me: "Some people merely to write about the future (like Dan Brown). You are the special type of persons that makes the future happen!"
All I did was for the well being of Tesla, not against it !!! I'm not sorry for speaking up, I'll do it all over again. I'm just sorry I didn't came to you when I had the chance…
All the other colleagues of mine are as mad as I am… Even more now. When they've heard what it happen to me on Wednesday…
I could just shut up again I'm not in Tesla anymore right, but I can't! I Love this company, even I'm on paycheck or not, and if we don't do anything now we will not have anything to look for. I don't want Tesla another OEM. I'm fighting for a Cause, not for a job. If they get away with this all the people that knows the truth will just loose the faith in this company.
Is not possible to hear from a manager like I've heard, that battery team is not Tesla, that's another company! We are where we are because of the battery first!
I am afraid to get into details, because I don't trust who will get this email first! But they are quite a few people that we would like to talk to you and tell you what they've been thru…
Cristina Balan.
~Albert Einstein~ "The intuitive mind it's a sacred gift and the rational mind is a faithful servant. We have created a society that honors the servant and has forgotten the gift."
Since that day until last year when a WSJ reporter wrote an article about me, I always believed 100% that Elon Musk was kept away from the truth of what really happened with me and my team. I know, I know, you will say I'm nuts to still believe in him…. But I always though legal department intercepted my emails somehow and he didn't get them. It is not the first time when Tesla has experienced a special "glitch" in the system which is selectively deleting emails, but I will get to those evidences for you to see later.
It happened before with the emails from the two weeks prior to my first resignation. The following is an email received by my lawyer after he told Tesla's legal counselor that if I will not be allowed to meet with Elon Musk and I will not receive the two weeks of emails prior to end of my first employment we will start the legal litigation. This is what he received:
I'm really sorry that I've given you the impression that I was sidestepping your requests, but that was not my intent at all. I continue to believe that a mediation will help the parties resolve their issues. As things stand, one of the parties is not grounded in the facts, could very well be us. […]
I also did not realize that referring to the emails as "missing" was controversial. As I've previously told you in our phone conversation, the emails for that period of time do not exist in Ms. Balan's account. The reason that they were not restored for her during her employment was because the backup from that two week period of time was corrupted, not just for your client, but for the entire company. I believe that Ms. Balan was informed that this was the case during her employment.
Throughout the arbitration process, , the one thing that I requested from Tesla every single week was my emails from Elon's Inbox (just to see if he received them). Week after week the only answer was that they cannot find them. They couldn't find any emails, until they learned about a WSJ reporter will write about my story and Tesla's mysterious glitch who deleted not just two weeks of the entire company emails (you guessed right: exactly the two weeks that proved my case about the first "resignation") but also many other emails pertaining to the discovery in the process. Guess how good is this "glitch": it does not affect only the email server, but the people's computers and backup copies (including the tape back-ups stored off-site).
The irony of the whole story is that a few days later after I met with the WSJ journalist, Tesla provided the first email sent to Elon Musk, as he received it on April 12, 2014 and (within 7 minutes) this email was forwarded to an HR manager.
There is no evidence however that Elon Musk received the second email I sent to him on April 19, 2014 after I was released from hospital, and also, there is no proof that anybody acted in any way to investigate my claims. Unfortunately, it seems that Elon Musk either does not know what is happening behind his back in Tesla Motors, or he does not want to know – as his legal counselor told me when I asked him why is he not giving Elon the information I provided him: "My job is not to keep Elon informed about what is going on, but to protect his plausible deniability".
As a believer in Elon Musk's innocence, I started a legal action against Tesla in December 2014 (of course this cannot be a jury trial – per the agreement to arbitration every employee must sign as a condition to employment) and the main request I have is to meet Elon Musk and be able to make him aware of the things I have witnessed while I was working at Tesla.
An interesting detail of this process and a painful one for me: I was offered several settlements – each with a larger monetary value that the previous one, and the only condition deemed "unreasonable" was my request to meet Elon Musk alone, or an equivalent request that Tesla's legal team briefed him in detail about my case or a letter that he did received my second email and Tesla give him the recordings provided during discovery… Tesla "snapped" even worse to the letter idea than to my request to meet with Elon… Why? I think I will never find the answers to these questions, as it seems that even if I win the lawsuit, there is no law that can force Elon to tell me the truth nor to force Tesla to show him the evidence we have…
This legal action revealed a whole dark world of misinformation, emails "glitches" resulting in emails lost by the whole company, which magically were recovered when experts testified that this events are unlikely to occur, witnesses with short memories, more emails recovered by magic, reporters writing stories that will not see the light of day after visits to news outlets by the highest ranking Tesla employees and a sum of other things that as a ex colleague of mine said would make Hollywood's screen writers drool and their best stories look like cheap fantasy. Indeed, reality beats movies anytime. Stay tuned, this is just the beginning as I will present all the facts/documents about my first resignation and what is life thru an arbitration and what you need to know, in the next articles I plan to add to my blog
The worse is the fact that with very few exceptions, people in my life, including my parents do not understand why am I not signing a settlement and be over with! Why do I need to know if he knew or not? Because I want to see if I was really so blind and as my manger said stupid. Money are not everything! NOT for me! My last settlement offer was made in the first scheduled day of arbitration, and I was standing in that room trying to understand my parents and my lawyer's perspective and I couldn't do it… I just couldn't! I felt like I was selling myself! Maybe is just me but I cannot have a closure not knowing if Elon Musk knew about me and my team or he didn't!
I cannot sign a paper in which I promise to give up my right to tell my story and make the people aware of what happened and what can you do if this will happen to you! I cannot sign a paper that I will prevent me from presenting evidence about how I was told that a woman's brain cannot handle a patent on her own and if I want to see it become reality, I will teach and handed it to the "right type" of engineers! I didn't want to sign a paper for money and not be able to inspire other women which are forced into horrible situations because they think of us as being weak: WE ARE NOT! I was also told by the same person that I am like a wild horse and he will find a way to tame me. Well he didn't! If a few other powerful women will fight the system every day a bit more, we will end up being equal!
Each time a woman doesn't obey she is too difficult! if she is expressing her concern even shes bringing solutions she's a drama queen! If you dare to ask for equal right you suddenly become a problem employee and you must be eliminated!!! If a man doesn't all the above he is determined, rational and has a strong character. Don't get me wrong, If it wasn't for the men in my career that challenged me to prove them who I am as an engineer, I wound be on the level that I am now, so thank you for that. Until recently I didn't work with a woman before so work with men was what I always knew, but This time guys, this time was not the same and I didnt want to complain, as I told to myself I can handle it, Maybe that was one of my mistakes….
I never knew what impact my passion, my strength and my story can have until I give my first public speech at a TEDx event last year. After this I received hundreds of letters from people from all over the world, from all backgrounds, from high school girls to an air force pilot, both men and women, all saying that it doesn't matter in the end if you are a woman or a man, please don't give up just because somebody push you down, even if you cannot fight back, at least stand up! The view is better from there even if it hurts! Stand up, again and again and again… at some point they will get tired or bored to push you again!
What puzzled me the most is what happen last week when some of the reporters who want to write about me and my story, started asking question about the recording and if Elon Musk knew about it, the reaction from Tesla's legal and PR department after dozens of phone calls and voicemails, one of which was to ask my lawyer to ask me to promise, in writing, that I will not play the recordings to any reporter. I realized then that even now they don't realize and probably never will, that everything I did was NOT AGAINST Tesla and quite the contrary. If I had an intention to do that, why would I wait more than three years to do it. The purpose of those recordings especially the +2hrs one was for Elon Musk's and Tesla's benefit, so he can understand how the communication within Tesla was actually working.
Either way Mr. Musk, the facts are facts and the proof is available for you to see (and hear) anytime you would feel like it. Just ask your legal team or contact yours truly.
So long until my next few articles…


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Protect your investment – refer to the tools available.
To help you determine if a deficiency may be covered by your warranty, refer to the Performance Guide in your area. One of the most important things you can do to keep your new home in top shape is perform regular maintenance. Refer to the Maintenance Manual regularly to help prevent problems yourself.
Government of Alberta introduces Builder Licensing
On May 4, 2017 Municipal Affairs Minister Shaye Anderson introduced Bill 12 to the Alberta Legislature. Bill 12, New Home Buyer Protection Amendment Act, proposes a move to license home builders across the province of Alberta.
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National Home Warranty is backed by one of Canada's largest insurance companies, serving close to 3 million customers.
Performance Guidelines
Protect your investment – refer to the tools available.


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Hide Forgot
Description of problem:
Description of problem:
We would like to let the user easily enable offline logins (ie be able to login
with domain credentials when disconnected) when winbindd is in use
Additional info:
To do so it would be necessary to add a checkbox to the current winbind options
dialog that asks the user if he wants to enable winbindd offline mode.
2 things need to be configured if the checkbox is checked.
the pam stack pam_winbindd lines need to have the "cached_login = yes" option set.
And "winbind offline logon = yes" need to be added to smb.conf
I'm working on this - do you have any idea for short descriptive text for the
checkbox in the dialog?
Built as authconfig-5.3.16-1.fc8 in rawhide - but probably won't be included in
the Test1.
I'd say something like:
enable offline support
enable credential caching support for offline authentication
I've called it "Allow offline login". Is it OK?
Absolutely, very good choice indeed!


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Virtual Mises University 2017
Enroll in 2017's Virtual Mises U for only $20 (free for Mises Institute members thanks to the Richard E. Fox Foundation)
For almost thirty years, Mises Institute scholars have presented Mises University, a world-class, week-long, intensive mini-university in Austrian economics. Virtual Mises University is the online component of this seminar for students, professionals, business people, absolutely anyone, anywhere who is interested in the pursuit of economic truth. For Virtual Mises University, there is no time limit, and students can log-on for independent study.
Anyone who desires this in-depth experience online, can enroll in Virtual Mises U for $20. As an enrolled student, you can watch live and archived lectures, review and download lecture slides, utilize a full list of all required readings (just like the on-site attendees), and earn a certificate of completion.


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That mysterious, intangible sense that something is wrong is elusive. If the anesthesia is removed, and the leap into the unknown is taken, where would freedom end – or would it?
Hungry Guilt
Morality is like hunger. It creeps up, and makes itself known, as though there is nothing else important. But though it is not necessarily mandatory to satiate, pushing off that sense of guilt is preferable.
What kinds of things push away guilt? And guilt of what? A good dose of emotional, spiritual, or generally deep conversation (complete with tears) goes a long way in filling the gaps an otherwise great life, right?
I have had a season in my life where I felt a tremendous sense of guilt when I wasn't thinking about God. It was the "fulfillment subject". Everything else was empty and desolate. Talking about bananas, biking, doing research, or the dishes wasn't fulfilling, and I felt a gnawing hole that thoughts of God alone would feel. His creation was not enough, because His creation didn't have the religious dimensions or His name explicitly in them. I needed God to be superimposed over everything, with only a small occupancy left to see everything else. I look back now, I find that I was sick. I was living in a land of guilt and complacency. I wanted to escape, but afraid to leave my dead-end job.
Morality Infractions
Certainly these pricks of guilt are an indication of us not leaving what we know is wrong, but not evil, what is not per-say killing us, but not letting us really live. Is an occasional dose of emotion enough to release us into a lifetime of freedom, or is it merely maintaining a band-aid on that broken leg? If the belief that there is no absolute right or wrong exists, then why is there a guilt that arises as though one has committed a moral infraction? What if guilt is actually an internal alarm system that one's life is lacking what it really needs? And perhaps the individual in question is aware of the decision that will lead to freedom, but is afraid of the risks in taking it?
Anesthesia Endeavors
What is your anesthesia? Is it the ever-obvious drugs? Certainly not hard narcotics, but pot, or maybe just some pain relievers that do their job perfectly fine, so quadruple the dosage is not an adverse plan in a particular moment. Maybe it's porn, but not hard-core content, but rather soft porn. Maybe it's Coffee, looking to that grande double shot twice a day to both buzz you with a caffeine jolt, and lift your spirits with a sweet murmuring. Maybe it is video games, or reeactments, since video games didn't offer the community that really brought the sense of fulfillment needed. These a few potential are scenarios of those who are good people that have just gotten bored with their limited formal life, and have found informal avenues to supplement into their life to keep the taste of freedom present.
Freedom Opportunities
But what would be freedom, if there were no obstacles in the way? What if the risks were not there? What would it put a particular individual? Would it end at the perceived goal, or would it continue to grow, as freedom has no boundaries? Is freedom unrealistic, as it is unreachable, and if it were, it would last for a time, and then lead to burnout? The question is: Is the life of guilt-numbing a life at all, or is it merely existence?


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Bob Moser founded Prime Group and has over 20 years' experience as an owner, operator and developer of institutional-grade real estate. He oversees all operations, strategic initiatives and investment activities of Prime Group, and is a member of the firm's Investment Committee. Over the past few years, Prime Group has grown to become the largest private owner-operator of self storage in the United States. Bob began his career in the 1990's as a commercial real estate broker with RJM Properties, where he originated investment sales throughout the northeastern U.S. Bob resides in Saratoga County with his wife and children. He and his family are substantial supporters of local charities including Albany Medical Center's Cleft-Craniofacial Center. Bob is a member of the Trustees of Union College. He has a BA, with Honors, in Economics from Union College.
Doug Kotelly oversees Prime Group's investment originations, fund-raising and investor relations. He is a member of the firm's Investment Committee. Doug has over 30 years of institutional real estate experience in virtually all U.S. property and capital markets. He has originated and closed over $2 billion of private equity real estate investments during his career, including 10 years running the joint ventures origination team at Boston-based Overland Capital. Prior to that time, Doug sourced equity co-investments for affiliates of KeyBank and Bank of America, and acquired and managed properties for SunLife Financial. He began his real estate career as an investment analyst for UBS. Doug has an MBA from Babson College and a BS in Finance, summa cum laude, from Boston College, where he ran Varsity Track & Field.
Dave Galkiewicz coordinates the closings of all property acquisitions and serves as a liaison with all lenders. He is a member of the firm's Investment Committee. Dave also manages the implementation of Prime Group's computer systems. He has 15 years of real estate industry experience. Dave joined Prime Group in 2003. He has a BS in Business Management from Siena College.
Roger Burgin is head of operations for Prime Group Holdings. Roger oversees all property management, construction, marketing and related functions for the company. Prior to joining Prime Group, he held senior operations positions for Great Value Storage, Simply Self Storage, Platinum Storage and Public Storage. Roger is a U.S. Army veteran. He earned a Bachelor of Business Administration from the University of Pittsburgh.
As Chief Compliance Officer for Prime Group Holdings, Brianna Pearce implements and monitors the activities, policies and protocols of the company and its funds. Prior to joining Prime Group, Brianna was Associate General Counsel for Ayco, a Goldman Sachs company, where she provided legal advice related to the firm's financial planning practice and affiliated insurance business. Brianna earned her JD from Albany Law School, MBA from Clarkson University (formerly Union Graduate College) and BS in Management from Rensselaer Polytechnic Institute.
Brian Patterson, CPA, oversees all portfolio management activities on behalf of Prime Group, including functions related to revenue optimization, payroll management and portfolio analysis. Prior to joining Prime Group, Brian oversaw multiple teams of fund accountants at LeverPoint Management LLC. Before that time, he served various Controller positions for Centerbridge Partners, where he ran and grew the accounting function in its Luxembourg office. Brian also has accounting experience at Fortress Investment Group and Deloitte & Touche. He earned a BSBA in Accounting from Rochester Institute of Technology.
Stacie Grimes is responsible for all financial governance and accounting activities of Prime Group. She joined Prime Group in 2008. Stacie has held CFO-level and controller positions in retail, manufacturing and commercial real estate. She has a BA in Accounting from SUNY Geneseo.
Angela Evans is responsible for all human resources and personnel activities of Prime Group. She is a certified professional with over 15 years of human resources experience, encompassing fields as diverse as healthcare, mechanical contracting, high-tech manufacturing, real estate and environmental services. Prior to joining Prime Group, Angela was involved in various senior level human resources roles at Albany Community Action Partnership, Belvedere Health Services and General Control Systems. She has a BS in Human Resource Management from Empire State College, and earned her Professional in Human Resources (PHR) certification from The Human Resource Certification Institute.
Lisa Moser oversees all administrative and personnel operations of Prime Group. She joined Prime Group in 2005 and since then, has successfully implemented a series of operational controls and marketing initiatives. Lisa has 15 years of commercial real estate experience. Previously, she was Staff Manager with Verizon Communications, where she was responsible for customer service and employee productivity for regional districts throughout New York. Lisa has a BA in Sociology, with an emphasis in Business, from Siena College.
Tom Richardson manages and coordinates all construction and development activities of Prime Group. He has over 20 years of experience in ground-up construction, cost estimation, design and project management. Prior to joining Prime Group, Tom held project management responsibilities for Bonacio Construction, Bast Hatfield, Gordon Development and NewGround. He also is a licensed New York State Real Estate Broker.
Eva Sackal is head of all marketing and brand development activities of Prime Group. She has over 16 years of progressive marketing, sales and branding experience, most recently at Mirbeau Hospitality Services. Prior to Mirbeau, Eva served for several years with Troy, NY-based Evident Technologies as Director of Business Development and Marketing, where she directed all marketing aspects of Nightmarker, a military and defense business unit. She earned a BA in Political Science from High Point University.
John Burke oversees the leasing and revenue optimization of all commercial real estate within Prime Group's self storage portfolio. John has a diverse real estate background including being Founding Member and former CEO of the Upstate New York franchise of Select Sotheby's International Realty and Managing Director of Core BTS. He earned a BS in Marketing and Management from Siena College. John is a licensed Real Estate Broker.
Dan Bierbach originates new storage acquisitions on behalf of Prime Group. Dan is based out of Prime Group's Denver, Colorado office. He previously held origination positions with Red Dot Storage, Black Creek Capital and Prologis, among others. Dan earned an MBA from the University of Colorado and a BS in Business Administration from the University of San Diego.
Samir Kulkarni oversees all information technology initiatives for Prime Group. He has 14 years of diverse experience in IT infrastructure management, network administration and systems implementation. Prior to Prime Group, Samir worked as an IT management consultant for several mid-sized businesses across New York State. He holds an MS in Information Technology from Clark University and a BS in Engineering from Pune University.
Heather Stinson is responsible for all training protocols for field personnel. She trains employees in disparate locations and implements a standardized, customer-oriented approach to all facility-level policies and procedures. Heather formerly held positions of increasing responsibility in the Sales Program Development division of Charter Communications. She earned a BS in Marketing Management from Siena College.


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18k diamond men's ring can be modified in any size and any color gold.
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Achilles St. Patrick's Day Run/Walk/Roll
Originally posted by Amputee Coalition of Toronto.
By Michael Armes
This year marked the 20th anniversary of the Achilles St. Patrick's Day run in Toronto, Ontario. On March 17th, 2019 hundreds of people ran, walked and rolled in support of Achilles Canada and other charities across the city of Toronto.
This year also marked the first year that the Amputee Coalition of Toronto would participate in the run with its very own team of 13 people. Together the ACT team raised over $600 in support of Holland Bloorview Kid's Rehabilitation Centre. A very worthy institution doing great things for children and youth living with a disability.
That's right, we sent a team 13 people strong in our first year. That's not including some of our newest members of the ACT family there to support their rehab centres. Every one of them crossed the finish line too. Every one of them smiling as they crossed it.
The sun was shining, the wind was cold. That combination served well to fly the orange ACT flags Jason Lucci and I (Michael Armes) carried along the way, but I'm sure Aristotle Domingo was feeling the effects as he went flying through on the special racing chair he was using for the run.
After everyone crossed the finish line, we gathered for the team photo and even cheered on the last participant to roll across the finish line. The team, having enough of the cold, headed to Steamwhistle Brewery for warm chili and cold beer to celebrate the day's achievements.
The Amputee Coalition of Toronto is and always will be about peer support and advocacy. In helping each other though, something amazing has emerged.
Our family has turned outward to help the community around us. Even if you couldn't participate on Sunday, you are very much part of this story. Be proud.
Join us next year for the 21st Achilles St. Patrick's Day run!
Amputee Coalition of Toronto welcomes all amputees in Toronto and the surrounding GTA to join our support group for more information on monthly meetups, upcoming events, and a safe space to share your journey. We're in this together!


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The Reform Party has made its annual renewal of support for Fair Trade.
Since its founding, the Reform Party has fought to level the playing field for the American industrial sector, labor and communities built on factory jobs. It wishes to do so by creating common sense trade protections that support the American economy.
According to the Reform Party, the recent free trade agreement with Korea shows the effects of free trade with Pacific Nations. Two years after the United States signed a free trade agreement with the nation of Korea, America's trade deficit with Korea has doubled.


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Reviewed by: Brian Nigro
Starring: Michael Moriarty, Scott Wilson, Blake Heron, Rod Steiger, Ann Dowd, Bonnie Bartlett, J. Madison Wright, Shira Roth, Tori Wright, Montrose Hagins, Amzie Strickland, Rachel Winfree / Director: Dale Rosenbloom / Released by: Zeta Entertainment
Every now and then, there's a little movie that gets dumped into theatres with no publicity. Usually, it lasts just a few days and then heads straight to video. "Shiloh" is such a movie.
"Shiloh", based on a children's book, WANTS to be about a boy (Blake Heron) and his dog. In actuallity, it's REALLY about morality, animal cruelty, parental discipline, and the School of Hard Knocks. Very suitable for Christian audiences… or is it?
The reason the boy has the dog is because the dog's owner—a redneck named Judd Travers (Scott Wilson) abuses it and kicks it like a soccer ball. (Parents, please note some of the cruelty is shown on-screen.) The Bible says it's okay, he reasons, because animals are our property. Imagine the poor kid's confusion when his dad (Michael Moriarity) defends the abuse as Judd's own business. Very upsetting for kids, indeed.
The strategy for this movie seems to be that of an old-fashioned Sunday School lesson. What do I mean by "old-fashioned"? The kid's saving his money to buy a bike. I'm sure there's a scene on the cutting-room floor where he steals a Bible from the country store and the community smiles on him. (Rod Steiger from "Mars Attacks!" plays the town doctor and grocer.)
Now, for all the criticisms levied against violent, R-rated movies like "Con Air" and "Pulp Fiction", at least those characters faced accountability for their wrongdoing. What is Judd's price for animal cruelty--? Writing a ten page book report on Saint Francis of Assissi? If a movie's going to address morality, then address morality clearly and succinctly. Anything less is irresponsible.
Bottom line: "Shiloh" bites off more than it can chew (no pun intended). There is no profanity and very little violence. The most offensive thing about this PG-rated movie is the animal cruelty. If you miss it in the theatres, watch for it in video.
* This review contains significant editor's alterations.


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There was a full house at West Bradford Village Hall for a quiz night held in aid of the charity Crossroads Care Ribble Valley.
The ever popular Bill Honeywell spared time from his charity "hill walks" to tax the audience with a variety of topics which were both testing and humorous.
The evening was made even more special when the chairman of Crossroads Care presented Caring Company's Certificates to Tim Slater, of Country Kitchen, Waddington, as well as Sarah Woodward and Laura Tonge, of the Printed Cup Company, Clitheroe – two businesses which have supported the charity for many years.
In the interval a delicious meal was appreciated by all and then it was back to brain work to solve Bills wide range of questions.
Everyone enjoyed the evening the proceeds of which will help to enhance the service Crossroads provides to the carers of the Ribble Valley.
Pictured from left to right are Tim Slater, Tom McLean, chairman of Crossroads Care Ribble Valley, and Sarah Woodward and Laura Tonge.


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Dear Mrs Skinner,
I welcome your long awaited correspondence which arrived for the first time by email on 16 June. I know that you have been telling many members about this correspondence for some time beforehand saying we would not publish it. I have taken the extraordinary decision to publish in full and respond.
I appreciate your acknowledgement of the shortage of experienced nurses and hope that you and your Government will take that fact into consideration when bargaining with nurses and midwives around important wages and conditions, which are important factors in recruitment and retention.
The NSWNA welcomes your decision to increase the Re-Entry to Nursing initiative scholarship from $6,000 to $10,000 in response to a petition to Parliament initiated by NSWNA members which received many thousands of signatures from both the community and nurses. Of course there was also strong media attention to the plight of nurses who could not afford the Re-Entry to Practice courses at the College of Nursing prior to your decision. Unfortunately many nurses still face hurdles such as relocation for a minimum of four weeks to Sydney with associated costs of accommodation, travel and childcare.
We welcomed your agreement to write to the Nursing and Midwifery Board of Australia (NMBA). We note that the policy released on the three month re-entry supervised practice now requires nurses to undertake that practice as student nurses, leaving it open for employers to require supervised nurses to work unpaid for the three month period. I hope that the Ministry of Health would provide guidance to Local Health Districts to employ these nurses as an Assistant in Nursing at the very least.
The NSWNA welcomes each and every one of those 2475 new nurses into the Public Health System. We understand that the number is a headcount and does not necessarily equate to full time equivalents. We welcome and applaud your Government's commitment to employ more nurses and in particular additional Clinical Nurse Educators and Clinical Nurse Specialists.
We welcome and applaud the implementation of the Nursing Hours Per Patient Day (NHPPD) or Nurse to Patient Ratios, which will result in at least 1400 full time equivalent nursing positions being added to our Public Health System. As you know the NSWNA has made this clear with two television advertising campaigns since winning this outcome from the previous government in 2011. We applaud your government's commitment to honour your legal obligation under the Award and not to change legislation to do otherwise.
We note the wage increases of 3.9%, 3% and 2.5% over three years negotiated with the previous government as a package which included the Nurse to Patient Ratios delivered by NHPPD. We also note that your government has determined that future pay rises are capped at 2.5% and that your government has removed nurses and midwives rights to have future pay increases beyond 2.5% determined by the the independent umpire of the NSW Industrial Relations Commission.
Finally we acknowledge your commitment in writing that you have no plans to change the arrangements agreed in the last Award negotiation including NHPPD/Ratios as agreed. I have published your letter in full so that every member of the NSWNA can see your commitments and look forward to future negotiations to improve our Public Health System for the benefit of the people of NSW and the Nurses and Midwives who work hard everyday delivering care within a system under enormous pressure.
Yours faithfully,
Brett Holmes
You'll automatically become a member of the Australian Nursing and Midwifery Federation


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Abbreviations : Report Help
Members of the subfamily Betairidovirinae have larger virions than vertebrate iridoviruses and often display fiber-like extensions to the capsid. They also generally have larger genomes that have a lower G+C content, lack the extensive cytosine methylation seen among vertebrate iridoviruses, and mainly infect invertebrate hosts. Although they infect a wide range of agricultural pests and medically-important insects such as mosquitoes, their study has, by and large, been neglected and important information regarding host range, number of viral species, and replication strategy is incomplete (Williams and Ward 2010, Williams et al., 2016).
Historically members of the two genera were distinguished by virion size and the iridescent color of infected insects and purified virus stocks. Given increasing numbers of fully sequenced viral genomes within this subfamily, membership within, and composition of, the two genera will likely require revision as phylogenetic analysis (Figure 6.Iridoviridae) suggests alternative interpretations.
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