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May 7, 2012
Recent changes and future considerations for brokers in the UAE
"It doesn't make sense." This was what Lloyd's CEO, Richard Ward, had to say last year on the topic of how, in the UK, brokers are generally remunerated by underwriters rather than their clients. Ward's comments sparked some debate in the industry on best practice for broker remuneration. In this article we explore recent developments in both the UK and UAE surrounding remuneration issues and broking practices.
New Lloyd's bulletin on broker remuneration
On 1 March 2012, Lloyd's Market Bulletin Y4567 in respect of distribution costs, broker remuneration and additional charges came into effect, aimed at Lloyd's Managing Agents and affecting the brokers with whom they deal.
Interestingly, despite Ward's comments on broker remuneration practices, the bulletin stresses that "Lloyd's does not seek to interfere with the agreement of commercial arrangements in the market…", but acknowledges that as remuneration arrangements are constantly evolving, then so too must the methods to reduce the associated legal and regulatory risks.
This bulletin is aimed at ensuring that high standards are maintained when it comes to broker remuneration arrangements, particularly in light of the UK Bribery Act 2010, which came into force on 1 July 2011. According to the bulletin, there is a concern that additional payments by insurers (for example, contingent commissions) might be seen as inducing or influencing the broker to place business with the insurer contrary to the broker's client's best interests, or which might otherwise cause improper performance by the broker of its duties. Such concerns are elevated where the additional payments are calculated by reference to the amount of business underwritten by the insurer or the profitability of the business.
Consequently, Lloyd's now expects Managing Agents to consider a series of questions in order to determine whether an additional payment should be approved, or whether the commercial motivation behind the additional payment is not appropriate in the circumstances. The bulletin also stresses the need for full records to be kept by Managing Agents, and also outlines the reporting requirements where additional payments are approved.
Although Lloyd's-centric, the new guidance will, no doubt, be of interest to brokers operating in the local market, particularly given the UK Bribery Act connotations and the lead taken by Lloyd's in driving international best practice.
Changes to premium collection regime in the UAE
In the past 18 months, the UAE insurance market has been the victim of a number of scandals, the most high profile of which concerned a brokerage firm in Dubai being found to have used premiums collected from its clients as working capital of the business (and even for investment in property) rather than keeping it in a segregated client account. This left a number of Insurers without payment and important consequences for the insured customers whose premiums had not been passed on.
The UAE Insurance Authority's initial response was to issue a Circular in April 2011, requiring premiums collected by brokers to be deposited in a separate account to the one used for their day-to-day working capital needs. For many brokers in the UAE, particularly those set up in accordance with international best practice, this requirement was nothing new and was already in place. However, for some it presented more of a challenge. Historically, premiums collected in the UAE were often used for the brokers' own short-term working capital requirements, with arrangements in place whereby the broker would make payments to Insurers at the end of a specified period.
The Insurance Authority continued its reforms with the issuance of Circular No. 3 of 2012. This Circular requires that, from 1 March 2012 onwards, cheques issued by the Insured customer for the payment of insurance premiums must be issued directly in the name of the Insurer. However, Insurers often do not have the systems in place to process broker commissions in a timely manner upon receiving these payments, resulting in delays in brokers receiving their remuneration. This also causes problems where premiums are paid in instalments rather than one up front lump sum.
This sudden change to existing practice caused some consternation within the local market, resulting in the broking community approaching the Insurance Authority to ask them to reconsider their position. We shall have to wait and see whether the Insurance Authority bows to pressure, or whether it stands firm on this issue.
Other areas for reform
There are a number of areas which will require greater scrutiny by regulators in the UAE in due course, including the practice of "grossing up" of premiums. Grossing up occurs where the Insurer obtains reinsurance terms from Reinsurers, but passes on a significant increase in price (even on a proportional placement) to the customer. It is not unknown for premiums to be grossed up by as much as 80% or more in some cases. Such practices are typically not transparent and do not serve the customer's best interests.
The future for broker remuneration
It is arguable that the controversy surrounding existing broker remuneration practices could largely be avoided by moving to a fee-based structure whereby brokers are paid for services provided to their clients, rather than underwriters accounting for acquisition costs. This is in line with most other professional services providers who charge their clients for time spent on a particular matter, according to set hourly (or fixed) rates. The FSA in the UK has signalled its intention to require the financial adviser community to move towards fee-based remuneration and it is seemingly a matter of time before it turns its attention to the broking community to require similar changes.
Moving away from the commission-based approach (which lacks transparency and can lead to conflicts of interest) to a time-spent basis should ensure that brokers are properly remunerated for the value that they add. At present there is a danger that brokers either charge too little, resulting in a request for extra fees to cover the shortfall (e.g. when providing a claims service), or take a hit in the hope of obtaining commissions on future placements. Such an approach may give clients a distorted view of the value that brokers provide, since underwriters are left to pick up the tab.
Whether there is an appetite for such a shift is another matter, particularly so in the UAE, where the Insurance Authority has to date focussed more on the handling of premiums, rather than tackling underlying issues such as broker remuneration practices and grossing up. We understand that a new law for brokers is in the pipeline and so it remains to be seen what regulatory requirements this will introduce.
Should you have any questions in connection with this article or the legal issues it covers, please contact Mark Beswetherick or Laura Chicken of Clyde & Co LLP at firstname.lastname@example.com or firstname.lastname@example.com


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Welcome to the Green Earth Office Supply online store!
Please note that some of our basic food service supplies can now be shipped from New Jersey! However, you will have to call us to get the significanly reduced shipping amounts as the yahoo ordering system is only able to calculate shipping from California.
Please go to the Ordering Information section for information on how to order (shipping, sales tax, returns, etc) and the Product Information section for our product standards and technical information on our products. You can always use the great Yahoo features - the search button, the index, which lists all of our products, and the help button, in case you are having problems ordering.
Our main contact info is Green Earth Office Supply**** PO Box 303**** Redwood Estates, CA 95044**** 800 327-8449 tele**** 408 353-2096 tele****

subset: commoncrawl


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Your Order
Once you have selected a topic, all questions belonging to this topic will be displayed. You can then select which question is applicable, and then the answer will be displayed. If you still cannot find what you are looking for, you can contact us using our online form.
ReturnsOur Returns Policy
We accept returns within 14 days following the receipt of your delivery. Returned items must be unworn and sent back inside their original packaging, tags included. Any stained or faulty goods we receive will be returned to the customer or they may be issued with a 25% reduction refund.
To return an item, please fill in the returns form on your delivery note marking the items you wish to return, the reason code for returning and what you would like in exchange, or if you would like to request a refund.
Enclose the completed returns form with the items you are returning and attach the returns address label onto your package. (Label provided with your delivery.
When choosing a shipper, we recommend purchasing tracking and insurance, as we cannot be responsible for lost return shipments. Customers must keep track of their own parcel to ensure it reaches us. Aab UK Limited will not refund any items which have been signed for by a customer at the delivery address stated on the original order, or for items returned to us which get lost in the post without a tracking number.
Goods are returned to Aab UK Limited at your own expense. We will send your exchange item to you by Recorded Delivery at no extra charge.
Once we receive your package, please allow up to 14 days for processing. You will receive an email notification when your refund or exchange has been processed. Shipping fees are non-refundable. International customers are advised that Aab UK Limited will not refund any charges/tax you may incur when returning items.
Full refund of the cost of the items is entirely conditional based on goods being returned in the original packaging and in a re-sellable condition. Refunds will be authorised only after a thorough inspection of the items by our Returns department.international Returns
International customers need to ensure they declare their goods as returns. When the goods are not declared as returns a is fee charged at Aab's expense which will then be deducted from the refund amount.
Track your Order
You will be able to track your orders by logging in into your account in "Recent Orders" section.
Collect From Store
You can now order items online and collect them from our London store, instead of having them sent to your home. This service is only available for UK deliveries.
We will aim to deliver your order between 3 and 5 working days from the date you placed it. However, sometimes during sale periods or other busy periods deliveries might take longer. We'll send you an email when your order is ready to collect. After you have received it, you can collect your order at any time according to our store opening hours.
Come into store to collect your order, bringing your confirmation email and the card that you paid with. We will keep your order in store for ten calendar days after it has arrived. If the order is not collected within the 10 days, we will assume it is unwanted, cancel the order and issue a refund to your original payment method.
We have the same returns policy for Deliver-to-store as on-line. You can return your order within 14 days of receipt. Please note this date begins on the date that we send you an order dispatch. Returns must be sent back to our usual Returns address and cannot be returned in store.Aab - London Store
East Shopping Centre
Green Street London, E7 8LE
Tel: 020 3837 6404
Made to Order
Can't find your size in stock? Why not try our Made to Order service.
If the Abaya you require is not available in your size, we offer an exclusive Made to Order service on selected designs. This means we will cut, stitch and deliver your order within 3-4 weeks.
Simply email us using the Made to Order request form on this page stating the design you are interested in along with the size and length you require (please note Made to Order only applies to our standard sizing).
As soon as we receive your request, a member of our team will contact you within 2 working days to confirm the availability and your estimated delivery time.
After your order is confirmed, your Abaya will be cut, stitched and packed exclusively for you. It really is as simple as that.
See our Terms & Conditions
When collecting orders from the store, customers must provide photo ID (Passport or Driving Licence).
If they cannot provide photo ID, they must provide a utility bill that matches the customers name and billing address.
Without this requested information their order cannot be collected.


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Barà Triumphal Arch
A 20 kms. de Tarragona
43883 Roda de Bará, Roda de Barà, Tarragona (Catalonia)
Triumphal arch.
It is a triumphal arch. Commemorative in character with military or political gestures.Located on the old Vía Augusta in the direction of Rome. There is one site space, 12.3 m. high. On the plinth there are four grooved pilasters built side-by-side, from the Corinthian order, that hold up the entablature on which there is an inscription with the name of its creator.Commissioned by Lucio Licini Sura, General of Trajan.
- 建筑: Arch
- 艺术时期: Classical-Roman
- 历史时期: Romanisation (A.D.)


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I am wondering if there is a source for the decal (inlay) that can put the "TA" (or "RPT/DIR") labelling on the right hand switch. Since I do not use the PRI function. I tried cutting out the "TA" part of another inlay but it does not stick real well.
A Source For Different Switch Function Decals?
This forum is created for the discussion of Bendix King Radios.
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Re: A Source For Different Switch Function Decals?
I went to a model company and saw that they sell decal paper. You could type up your own then print them.
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Google can keep track of everything you've ever searched for using their Web History service, even if you've cleared the browser history on your iPhone, iPad, or PC. Now that Google is changing their privacy policy -- which some view as an excellent simplification and standardization and others see as a disturbing data grab -- it means your search results won't be kept separately but potentially shared with each and every other Google service.
The Electronic Frontier Foundation (EFF) has this to say:
Until now, your Google Web History (your Google searches and sites visited) was cordoned off from Google's other products. This protection was especially important because search data can reveal particularly sensitive information about you, including facts about your location, interests, age, sexual orientation, religion, health concerns, and more. If you want to keep Google from combining your Web History with the data they have gathered about you in their other products, such as YouTube or Google Plus, you may want to remove all items from your Web History and stop your Web History from being recorded in the future.
If you choose to disable Google Web History, here's how:
- Log into your Google account
- Go to https://myactivity.google.com/
- Tap on Remove all Web History
Once you remove your Google Web History, Google will also stop recording it going forward (unless or until you re-enable it via the same page).
Google has been under increased scrutiny lately when it comes to online user privacy, for the heavy handed way they've used Search and Gmail to push their social networks like Google Buzz and Google+, and more recently for the discovery they've been circumventing Safari's third party cookie protection.
We may earn a commission for purchases using our links. Learn more.
On Apple and the FBI regarding privacy, from San Bernardino to Pensacola
We compare two of the most high-profile Apple news stories in recent memory.
Apple and Google accused of using market dominance to cripple competition
Sonos, Tile, Basecamp and PopSockets have all testified to a House antitrust committee, stating that big tech firms like Amazon, Apple and Google used their market dominance and bullying business tactics to crush competition.
Apple signs multi-year Apple TV+ deal with Seinfeld's Julia Louis-Dreyfous
Apple has signed a multi-year deal with Julia Louise-Dreyfus, formerly of Saturday Night Live and Seinfeld.
Lighting is crucial to photos — get the best shot with these portable LEDs
Shine a light on your phone's snapshots with these iPhoneography accessories!


text: Earl Rudder Middle School, the eighth middle school in the Northside Independent School District, was named after the patriotic Texan, Earl Rudder. Born in Eden, on May 6, 1910, Rudder was a graduate of Texas A&M and Texas Christian University. In 1932, he began a career in education as a teacher and coach in Brady, Texas. This career was interrupted in 1941 by the outbreak of World War II.


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4. Put your voucher code in field "Apply Premium Key", and click on "Apply"
We are a reseller of XenUpload key access to file-sharing services. We don't sell content (files), but only sell services. XenUpload Premium accounts for high speed access or other such premium benefits. It is strictly forbidden to download or upload any copyrighted content (movie , software, music , picture, ...) without prior approval of the copyright content owner. It's illegal to download or upload child pornography. It is strictly forbidden to download or upload any pornographic, erotic content on any storage solution that we represent. 'You' agree that you will not misuse any of the file hosting / cloud storage / storage solutions that we resell via XenUpload vouchers, keys, login id & password's or direct upgrade in downloading, uploading, if found you are sole responsible for the legal and financial consequences arising from it.
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A company that purchases services or goods for resale rather than consumption. In ecommerce, this can often apply to an affiliate marketer. Retailers are considered resellers, as they resell goods to end consumers. Wholesalers are also considered resellers as they resell the goods they purchase to retailers. https://ecommerce-platforms.com/
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After you pay successfully, we will send the XenUpload key and discount/coupon code via email or you can get it on detail order.
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All of our premium keys are authentic FileSharing, The premium key into our system and delivered to you via email within minutes! Save the trip to the store to catch the best deals on an online sale by purchasing directly from FileSharingShop for the fastest online delivery service on the market!


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All you have to do is search Weichert.com for a rental property in the area you're in. Once you find a property you'd like to see fill out the form and a Weichert Associate will contact you
Simply log in to your myWeichert account and access contact information for all your weichert associates in one place.
Fill out this form or call 1-800-401-0486 to speak with one of our Area Experts.
© 2017 [or current year] MLSOK, Inc. All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, MLSOK, Inc. We do not attempt to independently verify the currency, completeness, accuracy or authenticity of the data contained herein. It may be subject to transcription and transmission errors. Accordingly, the data is provided on an "as is" "as available" basis only and may not reflect all real estate activity in the market. Last updated 1/28/2020.


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So far I keep seeing images of a fringed scabbard for swords on Irish warriors. Is this a common type of scabbard and if so, does anyone have any insights as to their creation? (wooden core, all leather etc.)
Thank you,
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19 July 2009
A Random String of Thoughts
This morning I turned on the TV and it happened to be tuned to a station that was playing Spiderman 3. The scene was one in which Kirsten Dunst's character is on stage singing in a Broadway musical. This made me think of how even though I don't particularly care for Dunst's acting, I do think she has cute style for a Hollywood actress and I especially loved her costumes in The Cat's Meow, which made me think of Marion Davies which made me think of William Randolph Hearst which made me think of the time Tom and I stopped in San Simeon to visit Hearst Castle on a drive from San Francisco to LA a couple of years ago. How's that for a random train of thought? From Spiderman 3 to Hearst Castle in less than seven seconds.
Though I haven't seen too many of her films, Marion Davies is one of those glamorous old Hollywood types that fascinates me. Her life seems like it was all scandal and parties and drama and, well, glamour. I'm sure it wasn't really like that all the time. People who appear to have wonderful, glamorous lives are often the most miserable ones when left alone to their private thoughts. I've put it on my to-do list to learn more about her life, both public and private. Can anyone recommend a good book?
photos from Flickr
It was in 2007 that we stopped in San Simeon on the way back from a weekend in San Francisco to visit Hearst Castle. The place is, um, impressive to say the least. I remember that before the tour started we sat down to watch a little documentary about Hearst and the process of building the castle. I don't remember too many details about the film except that it made us feel a bit like we'd come to worship at the church of Hearst as if he was some sort of benevolent demi-god. I think we may have actually left the theater chanting "William Randolph Hearst is the kindest, bravest, warmest, most wonderful human being I've ever known in my life" just like something out of The Manchurian Candidate. Whatever he was like, the man knew how to build a castle!
photos from our trip (I do remember having to restrain myself from taking a dip in that pool)
And if all that's not random enough for you, in my search for photos I ran across a set from Marion's Santa Monica beach house. It was also built for her by Hearst – seriously, the castle wasn't enough?! As soon as I saw the photos of her kitchen I saved them to my house-renovations-inspiration-photos-folder. Those cabinets! That floor!
P.S. The house is now known as the Annenberg Community Beach House and is open to the public.
24 comments:
- Emily said...
That first picture is unbelievably fabulous! Where did you find it?
- July 19, 2009
- Sally Jane Vintage said...
Google image search.
- July 19, 2009
- Hanne said...
My Grandparents live only a mile from Hearst Castle, in San Simeon. We used to always go there as kids. It is breathtaking!
- July 19, 2009
- Amelia Kate said...
My grandmother's name was Marion Davies! Once we were at an estate sale and found this collection of little collectible spoons with movie stars of the 20s & 30s on them. Of course we bought the Marion Davies one!
- July 19, 2009
- Kelley Anne said...
That's so funny! My husband and I were talking about the Santa Monica beach house yesterday. I guess its now a community beach house, but all that's left is the club house and the pool. There's a short article in Vanity Fair this month.
Beautiful pictures, especially the first one. Do you know if she actually lived in the Hearst castle? My husband seems to think that Hearst's wife lived there.
- July 19, 2009
- Anonymous said...
that's usually how my brain works too haha ;)
that place looks like an LA Versailles!
- July 19, 2009
- AlicePleasance said...
Try these books:
and this one, of course :
- July 19, 2009
- Anonymous said...
these are gorgeous
so much beautiful inspiration here
i love every bit of it
keep it up!
check out my blog @
- July 19, 2009
- Anonymous said...
My friend's mom used to work at Hearst Castle and really has been swimming in that pool (it was an employee perk that is no longer permitted).
- July 19, 2009
- Katie Burry said...
Oooh! Those cabinets are cool! And I love the pictures of Marion Davies! I have a fascination with the 20's, lately! <3
~ Caitie
- July 19, 2009
- Crystal Ball said...
Marion Davies is so incredibly beautiful. The first picture is amazing!
- July 19, 2009
- Lisa said...
Haha, that first picture is hilarious! I've been dying to go to Hearst Castle, definitely need to make the trip some time
- July 19, 2009
- Laura McLaws Helms said...
She is definitely the definition of glamour- just so gorgeous and fabulous. I love the pictures of her house- I was just thinking I needed to try to find some (I'm working on a art grant proposal for the Annenberg Beach House so have been reading all about the history), but you've done it for me! Thanks!
- July 19, 2009
- Jules said...
Awesome photos. =D Looking forward on your next post. Have a great day. =D
- July 20, 2009
- Hannah said...
Gosh look at that silk dress she's wearing... a-mazing!
- July 20, 2009
- Rachel said...
oooh, I love the little rounded cabinet on the corner.
- July 20, 2009
- Stéphanie said...
Beautiful pictures !
- July 20, 2009
- Gastronomy Club said...
Hearst Castle is one of my favorite places. i love the two guest houses and both pools!
- July 20, 2009
- reckless daughter said...
I LOVE the Hearst Castle! I haven't been since I was like 13 but I have been trying to persuade my boy that we should make the drive.
did not know about Marion Davies Santa Monica residence. but I did like Kirsten's acting in Cats Meow. not so much in Spiderman 3 (at all ;) ).
- July 20, 2009
- Leeann @ Join the Gossip said...
I love Hearst's Castle, it's amazing! I have to check out that house in Santa Monica! Thanks for sharing!
- July 21, 2009
- lovintrash said...
love the first photo!!
Hearst's Castle it's fantastic!!
- July 21, 2009
- Charlotte Drene said...
Doesn't it just kill you that you weren't born in an earlier era?
- July 22, 2009
- Wanderlusting said...
Thanks for this...I am a big vintage buff, a fan of Marion and the whole Hearst legacy.
(also can't stand Dunst :P)
- July 23, 2009
- Anonymous said...
Great post. I love Marion, too! FYI TCM is having A Marion Davies day on Aug 3rd. All Marion movies all day! Enjoy!
- July 30, 2009


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major macro economic indicators
|2018 (e)
|2019 (f)
|GDP growth (%)
|Inflation (yearly average, %)
|Budget balance (% GDP)
|Current account balance (% GDP)
|Public debt (% GDP)
(e): Estimate. (f): Forecast.
- Open, diversified and competitive economy
- Specialised in high-tech products and the green economy
- Sound public finances
- Increasingly dynamic demographics
- Tensions on the real estate market
- Substantial household debt
- Highly concentrated banking sector
Growth slowing but still strong
Swedish growth will be driven by exports and private consumption in 2019. Vigorous activity in recent years has led the economy to operate at full capacity, as evidenced in an increase in the job vacancy rate, for example. Amid high demand in goods and services, investment was boosted – particularly in the manufacturing sector, which has been running above capacity. These high levels of investment in 2018, the shortage of skilled workers, and less buoyant demand suggest that a slowdown in business investment is likely in 2019. The decline in property prices since mid-2017(after a sharp increase), should also limit investment in private construction. Unemployment, which is back to pre-crisis levels, is expected to stabilise at around 6% of the labour force, due to the fact that a significant proportion of those still unemployed are harder to employ. Despite being at a low level, wages are set to grow at a moderate pace, as social partners (unions and employers' associations) prioritise competitiveness in the face of muted productivity growth. However, household consumption should be boosted by low inflation, which is close to the central bank's 2% target, as well as by monetary policy, which remains very accommodative despite the prospect of a hike in the key interest rate in early 2019 (it was held at -0.5% in November 2018). A larger decline in housing prices could also constrain household consumption through a wealth effect, weakening domestic demand. However, household disposable income is expected to increase as a result of the tax cuts included in the 2019 budget. Uncertainties associated with Brexit and the rise in global trade tensions could weigh downward on this outlook, potentially limiting net exports contribution to growth.
Sound public and external accounts but private debt is vulnerable
Public finances will continue to be robust in 2019, with the budget surplus expected to converge towards its medium-term objective of 0.33% of GDP. The Sweden Democrats' support for the centre-right opposition's budget proposal led to the adoption of USD 2.2 billion of tax cuts (lower pension taxes, higher income tax threshold), leading to a reduction in the budget surplus. Once a government has been formed, it may review the spending plan, but cannot change taxes as these cannot be modified outside the autumn budget process. As a net lender for several years, the Swedish government has slashed its public debt-to-GDP ratio, which fell below 40% in 2018, and this decline should continue thanks to the vigorous level of activity.
The country's external position will also remain very comfortable, with an increase in the current account surplus. More sluggish domestic demand is expected to bring slower import growth, while exports will be stronger. The downward trend in the krona should stabilise over the course of the year if monetary policy is tightened as expected. The Swedish economy is highly competitive, and exports mainly capital goods (15% of exports in 2017), cars and car parts (13.5% of exports), as well as commercial services, particularly telecommunications and tourism. Primary income, chiefly from investments, contributes to the current account surplus.
Conversely, the situation is more precarious regarding private debt, with household debt equivalent to 180% of disposable income at the end of 2018. In a context of low interest rates and a tax regime favourable to homeowners, real estate loans increased sharply, driven by price growth in large cities, especially between 2014 and 2016. A readjustment has taken place since mid-2017, with prices softening by 5% in the year to August 2018, but a more significant price fall could have an adverse impact on the banking sector, which is highly concentrated (four banks account for 85% of the market) and heavily exposed to the real estate market. Credit interconnections between banks also raise the risk of contagion.
A more uncertain political situation in the absence of a parliamentary majority
None of the traditional parties (left-wing and centre-right blocs) secured a majority during the parliamentary elections of September 2018. Although the far-right Sweden Democrats won 62 seats out of 349, no other party was willing to join forces with it. At the time of writing, the two attempts to form a new government were both unsuccessful. As the constitution allows only four rejections before new elections are organised, a new vote could be held. However, the costs associated with holding such elections could lead parties to compromise in order to form a government. Because of this fragile coalition, any government will have less room for manoeuvre than in the past, but its policy should remain pro-EU.
Sweden's business climate is still among the most favourable in the world, coming 12th in the Doing Business 2019 ranking.
Last update : February 2019
Bills of exchange and promissory notes are neither widely used nor recommended as they must meet a number of formal requirements in order to be considered as legally valid.
Just as the rules for issuing cheques have become more flexible, the sanctions for issuers of uncovered cheques have been relaxed over the years. The use of cheques has subsequently become almost non-existent.
Conversely, use of the SWIFT electronic network by Swedish banks provides a secure, efficient, and cost-effective domestic and international fund-transfer service. Payments are dependent on the buyer's good faith. Sellers are advised to ensure that their bank account details are correct if they wish to receive timely payment.
Direct debits represent about 10% of non-cash payments in Sweden and are quickly growing in popularity. There are two types of direct debit in Sweden: Autogiro Foretag (AGF) for B2B transactions and Autogiro Privat (AGP) for B2C payments. They can both be used for single or recurringpayments.
Debt collection
Amicable phase
Amicable settlement aims to recover the debt without transferring the case into a trial procedure. The debtor is informed (either orally or via writing, with written correspondence being preferred) about the debt, the payment deadline, and the consequences of not paying the debt. If debtor agrees to pay the debt, both parties may settle on instalment payments through an official document that sets out the contractual terms of the agreement.
When there is no specific interest clause in the contract, the rate of interest applicable since 2002 is the six-monthly benchmark rate (referensräntan) of the Central Bank of Sweden (Sveriges Riksbank), plus eight percentage points.
Under the Swedish Interest Act (räntelag, 1975, last amended in 2013), interest on damages is awarded from the 30th day following the day on which the creditor addressed a written claim for damages to the defendant, if the plaintiff so requests. In any event, interest may be awarded from the date of service of the summons application.
Legal proceedings
Fast-track proceedings
Where claims meet some basic requirements (e.g. payment is overdue, mediation was attempted), creditors can obtain an injunction to pay (Betalningsföreläggande) via summary proceedings through the Enforcement Service. The application has to be made in writing and clearly express the grounds of the claim. No further proof needs to be submitted.
This Enforcement Authority (Kronofog–demyndigheten) orders the debtor to respond within a period of ten days to two weeks. If the debtor fails to reply in time or acknowledge the debt, a verdict will be rendered on the merits of the original application.
While formal, this system offers a relatively straightforward and quick remedy in respect of undisputed claims, which has greatly freed up the courts. Creditors are not required to hire a lawyer but, in some circumstances, would be well advised to do so. On average, the process takes two months from application to decision. The decision is immediately enforceable.
Court proceedings
If the debtor contests the debt, the creditor has the decision of either turning to the District Court (the first instance, Tingsrätten) or to terminate the process.
Proceedings involve a preliminary hearing in which the judge attempts to help the parties reach a settlement after examining their case documents, evidence and arguments. It is up to the parties themselves to decide what evidence they wish to submit.
If the dispute remains unresolved, the proceedings continue with written submissions and oral arguments until the main hearing, where the emphasis is on counsels' pleadings (defence and prosecution) and examination of witnesses' testimonies.
In accordance with the principle of immediateness, the court bases its decision exclusively on the evidence presented at the trial. Barring exceptional circumstances, the judgement is customarily issued within two weeks thereafter.
As a general rule, the Code of Civil Procedure requires the losing party to bear all legal costs considered reasonable, as well as the attorney fees incurred by the winning party beyond a given threshold claim amount (about SEK 22,250, approximately €2,162).
It takes up to twelve months (in exceptional cases more) to obtain a writ of execution in first instance, bearing in mind that there is a widespread tendency in Sweden to appeal against judgements.
Enforcement of a Legal Decision
As soon as a domestic judgment becomes final, it is enforceable. If the debtor does not comply, the creditor can request the court's enforcement authority to seize and sell the debtor's assets.
For awards rendered in an EU member-state, special enforcement conditions are provided. When the claim is undisputed, the creditor may apply to the European Enforcement Order, or when the claim does not exceed €2,000, the creditor may start a European Small Claim Procedure. For awards issued in non-EU countries, the Svea Hovrät Court of Appeal must recognize an award in order to enforce it, provided that a recognition and enforcement agreement has been signed between the non-EU country and Sweden.
Insolvency Proceedings
Out-of court proceedings
Swedish law does not formally regulate out-of court arrangements. Nevertheless, creditors and debtors can enter into voluntary negotiations in order to negotiate the debt and reach an agreement.
The aim of restructuring is to find a financial solution for an insolvent company that is deemed to have sustainable long-term business prospects. It can apply for a restructuring with the local court. If approved, the court will appoint a rekonstruktör to manage the restructuring. The latter will investigate the financial situation of the company, before establishing and implementing a restructuring plan under which up to 75% of the debt may be written off.
Bankruptcy proceedings are initiated as a consequence of a company becoming permanently insolvent. They aim to wind down an insolvent company by selling its assets and distributing any income to creditors. Either the debtor or the creditor can file a petition before the local court. After the court has declared a company bankrupt, it appoints an administrator that independently takes control over the company's assets with the main task of realising such assets and repaying the debts of the bankruptcy estate in accordance with the creditors' statutory ranking.


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What is Cookie Compliance?
Cookies are an extremely common technology that helps websites remember information about you such as your preferences as you move between pages or even to track the number of visitors to our website. The overreaching aim for the directive is to inform you that we are committed towards respecting the privacy rights of every visitor to our website and to reassure you that we do not use cookies to store personal information about you. As part of this, we aim to provide you full transparency as to which cookies are being set and why they are necessary.
What Are Cookies?
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Government and Politics Course Descriptions
GOVT 2301 Constitutional Foundations and
Political Behavior in the U.S. and Texas (3 semester hours)
This course examines the evolution and current state of political behavior
and public policy making in the U.S. and Texas. Topics discussed will
include the constitutions, federalism, intergovernmental relations,
voting, elections, political parties, public opinion, and interest groups.
This catalog is a general information publication only. It is not intended to nor does it contain all regulations that relate to students. The provisions of this catalog do not constitute a contract, express or implied, between any applicant, student or faculty member and The University of Texas at Dallas or The University of Texas System. The University of Texas at Dallas reserves the right to withdraw courses at any time, to change fees or tuition, calendar, curriculum, degree requirements, graduation procedures, and any other requirements affecting students. Changes will become effective whenever the proper authorities so determine and will apply to both prospective students and those already enrolled.
Statement on Equal Educational


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On this blustery cold day in the Pacific Northwest, I sit, ready to contemplate education and learning. Not just any type of education and learning, but the progressive nature of learning. The collective individuality that encompasses progressive education is at the heart of learning and infuses the new ideas and experiences necessary to grow as an individual.
So, what do I mean about the collective individual? Who is it? What is it? How is it accomplished? Well, let us first back up and think of how we define learning of a person: Usually it is either through a collectivity, team work environment or situation, or that of an individual, personalized and private work. It is my assertion, that as educators, and learners, that we must stop trying to combat the collective vs. the individual, or group projects vs. individual assignments, but instead view education holistically, from a different angle.
In order to do this, we must, as educators we must stop compartmentalizing subjects and even more importantly, types of learning. Often times, the progressive educator will look at different subject matters and say, "those types of things should be interdisciplinary and interconnected," but sometimes, we fall and slip into the realm of singling and viewing under a microscopic one particular part of the way in which we learn. This could be a symptomatic problem, starting with Piaget, I don't know, but it definitely does not seem to work constantly to bring subjects or thoughts together.
So, if we can view learning in a WHOLE approach, that encompasses any and all things, then we can begin to think of how we take the entire scope, or realm, of learning and use collectivism and individualism as a co-partnership in new ways to spark the mind, to innovative new theory or practice and to be creatively driven, firstly and foremost.
The individual must be recognized. We are all different, we all have particular abilities, characteristics and we are all capable of learning that is unique unto ourselves. The mere fact that I mentioned, "we and all" three times in describing the individual, speaks to the manner of how interconnected these two elements actually are. There has to be a self-motivation that exists, one that drives the individual to learn for themselves and for the world. This is needs to be an individual trait that is nurtured and given confidence by a support community, but that ultimately, must rely on the individual themselves. There is a discipline and confidence that also must be understood by the individual, in believing in their own capabilities. Finally, there needs to be a firm structure in place (not in a legalistic sense, but outworking support) that does not necessarily force, but surely, encourages the individual to individually think for themselves and to use their own critical senses and past experience to learn.
On the same level, the collectivism must be emphasized. It begins with the community and a sense of belonging. Each individual must collectively come together and feel safe, encouraged and most importantly, collectively involved in any and all activities (if they so choose). The collectivism extends beyond being in a safe, belonging environment, but also must foster a sense of self worth, creative and innovative posture, and must be underlined with a never ending sense of encouragement and responsibility by the group, to help an individual reach their goal. A true sense of community must be at the center of this collectivism, relying on all the parts, working together, equally contributing and equally encouraged, to be apart of a place that is focused on learning, either one thing in particular or many things randomly. The collectivism, is not necessarily completely about being one, mechanistic body or army, that follows one set of rules or actions, but rather, as a functionary net, underneath the tight rope of life, just in case you fall, or to give you encouragement to go on, even if everything does not seem right.
Let us create the collective individual, both in the progressive educational world and all learning worlds. It must firmly be recognized and enacted, that both the individual be emphasized, with all of his or her, creative, personalized character and ideas, while being collectively guided, with an undertone and sense of community, compassion, and encouragement, constantly infectious by the equally democratic, equally motivated and equally needed individuals in the surrounding environment.
The collective individual learns through the lens of self exploration, group discussion and experiential moments, guided constantly through a world which is filled with a collective community that inspires that learning to happen.
-Casey K. Caronna


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Day's Best: Cops charged in the Boulder elk slaying
The evidence sure is damning.
Boulder District Attorney Stan Garnett on Friday announced the two Boulder police officers implicated in the shooting of a large bull elk in a city neighborhood would face a multitude of charges.
Of course, they are innocent until proven guilty. Yet, the text messages released by authorities in this case show what appears to be an astonishing level of premeditation in hunting down and killing the elk.
Hours before officer Sam Carter shot the elk, he texted an off-duty officer about the elk he had spotted. "You should have killed it," texted off-duty officer Brent Curnow. "Oh he's dead tonight," Carter replied.
Elkgate, as some call it, has resulted in a lot of outrage in Boulder, where there has been a silent walk and a candlelight vigil for the dead elk.
Whatever you may think about a dead elk with a Facebook page, serious questions have been raised about the officers' conduct and truthfulness.
The text message exchanges among the two officers charged, and a third, a deputy, make it sound as if these guys were hunters going after a kill rather than law enforcement officers protecting a community.
In addition, Carter did not inform dispatch about having killed the animal or discharging his firearm.
Garnett, the DA, was right to proceed, based on the evidence released thus far. It's a safe bet we'll be hearing more about this case.


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Tens of thousands of shoppers are expected to converge on the Baltimore Convention Center this week for the 32nd Annual Baltimore Summer Antiques Show, an event that has grown to become the largest indoor antiques show in the country.
Serious collectors, casual shoppers and the just plain curious will have their pick of hundreds of thousands of items. Everything from fine art, posters and decoys, to estate jewelry, antique armor and exquisite furniture will be featured as some 575 antiques dealers and 90 rare-book sellers participating in the Antiquarian Book Fair set up shop in downtown Baltimore.
While there is no denying the international flavor as buyers and sellers come together from around the world, this show, where everything is for sale, is also an opportunity to think locally. Not only are Baltimore-area dealers among those exhibiting, but a number of Baltimore-made wares from other times will be offered.
With more than 30 silver dealers exhibiting at what is considered to be the premier silver show in the nation, the output of Baltimore's famed silversmiths will be well represented. Among the items for sale at the show will be a Kirk & Son coin silver sugar and creamer set, dated 1819 and offered by Atlanta Silver & Antiques.
"Early Baltimore silver is a commodity, and it's rare to find it in this condition and of such high quality," said Mark Antebi, owner of Atlanta Silver & Antiques. "These pieces are fully hallmarked and highly decorated, showing the versatility of the Kirk silversmiths."
Peter Boehm of Dualities Antiques & Art is planning to show a Kirk tray, chased and embossed, featuring a 2-inch repousse border depicting "castles and wonderful flowers, a bridge over water and birds in flight." The century-old silver piece is "literally a small universe unto itself," he said.
Baltimore has never lacked artistic talent, and Susan Tillipan of TOJ Gallery will be featuring the etchings of Dorsey Potter Tyson. Because of the intense colors of Tyson's work, Tillipan is particularly drawn to this Baltimore artist. "Each print is one of a kind," she noted, "and the colors are just as vibrant today as they were in the 1920s."
Robert M. Quilter isl participating in the show for his eighth year. The Baltimore dealer plans on bringing a "choice selection" of 19th- and early-20th-century paintings by local artists, including John Ross Key, Clark Summers Marshall, and Charles Watson.
"We also intend to display an interesting [Works Project Administration]-era aerial painting of Baltimore's Jones Falls Valley and the industry and trains that were located there around 1940," Quilter said, adding that the painting was done by a person who was then a Maryland Institute College of Art student.
Americana and folk art will be prominent at this year's show, and among those exhibiting these wares are Baltimoreans Bev and Doug Norwood. Trading as "Spirit of America," the Timonium couple will offer several pieces with local ties, including a framed piece of mourning art, an example of intricate paper cutting that incorporates mid-19th-century memorial cards of Baltimoreans in its design. Show-goers will be among the first to have an opportunity to acquire this piece, which was recently procured from a private collection. Also featured will be a wooden paddle-wheel boat, "a great little piece of folk art with wonderful polychrome," and named The Baltimore, according to the Norwoods.
Another example of local folk art is an 1851 Baltimore-style album quilt offered by Stella Rubin. Made in Harford County, the traditional piece was stitched and signed by 23 women representing "some of the most prominent families of the area, Rubin said.
"It's a pity we don't know the occasion for which this quilt was made," she said, "but it must have been something rather special. The quilt is beautiful, and it appears to never have been used and never washed. I don't think it has ever seen the light of day: it was definitely prized when it was made."
Barbara and Ken Beem have been writing about antiques and collecting for 20 years. They are regular contributors to several national publications, including AntiqueWeek and the New England Antiques Journal.
Best of show
The Baltimore Summer Antiques Show features a number of showstoppers. Here are five things not to miss:
1. Silver. Look for silver by Louis Tiffany and George Jensen.
2. Lincoln memorabilia. An Abraham Lincoln memorial banner, made more than 100 years ago to celebrate the martyred President — and complete with three tears — is expected to attract considerable attention in the booth of Jeff Bridgman Antiques.
3.Mechanical pencils. Ken Bull is traveling from England with a collection of finely crafted and whimsical pencils, as featured in his book, "The KB Collection of Pencils."
4. Bling. If it's star power you seek, check out the bow-shaped platinum Art Deco brooch from Jacob's Jewelry. Studded with calibre-cut sapphires and old European diamonds, the pin rests in a fitted red leather box and was once part of the estate of Jacqueline Kennedy Onassis.
5. More bling. Thinking pink? Check out "The Majestic," a pink diamond ring weighing in at over 12 carats. Mounted in a signed antique Cartier setting of platinum and rose gold, the dazzler is making its show debut in Baltimore, offered by M.S. Rau Antiques of New Orleans. And the price? Well, if you have to ask ...
If you go
The Baltimore Summer Antiques Show at the Baltimore Convention Center begins Thursday, Aug. 23, and continues through Sunday, Aug. 26. Hours are noon to 8 p.m. Thursday, 11 a.m. to 7 p.m. Friday and Saturday, and 11 a.m. to 6 p.m. Sunday. Tickets are $15 and are good for all four show days, as well as admission to a full schedule of lectures. For information, go to baltimoresummerantiques.com
Tens of thousands of shoppers are expected to converge on the Baltimore Convention Center this week for the 32nd Annual Baltimore Summer Antiques Show, an event that has grown to become the largest indoor antiques show in the country.


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The U.S. Army Airborne School is located at the U.S. Army Infantry Center, Ft. Benning, Georgia. This course is designed to train soldiers to become paratroopers. It develops students' confidence through repetitious training so that they can overcome the natural fear of jumping from an airplane and develop and maintain the high level of physical fitness required of a paratrooper through rigorous and progressive physical training. Each student must satisfactorily complete five jumps from an aircraft while in flight.
Air Assault school is at East Range Schofield Barracks, Hawaii.This course is conducted by the 25th Infantry Division (Light) Tropic Lightning. It is an intense, 10-day course designed to give leaders a basic understanding of Army helicopter missions. There is some class room instruction, but it is mostly hands-on and performance oriented. It is broken down into four phases: pathfinder operations, slingload operations, rappelling phase, and foot march phase.
There are scholars among you who aspire to achieve something even greater than a college degree. They aspire to be leaders. They are Army ROTC Cadets - and you can join them by attending the Leader's Training Course (LTC).
LTC is four weeks of intense classroom and field training held in the summer at Fort Knox, KY. This course is an accelerated version of the two years of leadership development training Cadets receive in the Basic Course. By transforming yourself through this rigorous training, you will qualify for enrollment in the Army ROTC Advanced Course on campus-provided you have two years of college remaining (undergraduate or graduate).
At LTC you experience the Army firsthand. You will receive the kind of leadership development training that is unmatched by any other program. How? By developing your potential in the most important of ways-mentally, physically and emotionally. You will be grouped into squads where you will gain experience in all leadership roles-culminating in verbal and written feedback on your improvement. You will also receive a stipend, transportation to and from Fort Knox, housing and meals. The four weeks and four phases of LTC can lead you to the ultimate goal: becoming an Army Officer.
The benefits of this leadership training will extend well beyond your college years into any career you choose. You may even qualify for a two-year scholarship that may take care of your college tuition and many other expenses.
Upon arrival, Cadets are immersed in the ways of the Army. They begin Physical Training (PT) and Drill and Ceremony (D&C) which instill self-discipline and prepare them for the rigors and challenges of the upcoming weeks. Cadets also spend time on the Team Development course where they work together to overcome obstacles in simulated tactical situations.
This phase builds on the basics Cadets have learned by extending into adventure training in the field. Combat Water Survival Training, rappelling, land navigation and marksmanship training provide physical challenges that test Cadets individually while developing teamwork skills. Also included in this phase are squad tactics, urban combat simulations and orienteering.
In this phase, Cadets learn squad-level operations by taking part in demanding field exercises. During these exercises each Cadet, in turn, is called upon to lead their squad in every part of a mission—from receiving orders and analyzing the terrain to making a plan and attaining the objective. All the while, Cadets receive detailed feedback on their leadership abilities.
Cadets in this fourth and final phase are given comprehensive guidance from their LTC instructors to get a sense of their accomplishments over the past weeks. While performing continuing daily tasks such as physical fitness, Cadets also arrange and take part in their Family Day, graduation and awards ceremonies.


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Pipe cleaners are one of the simplest craft supplies for kids' fun. We love how they come in a variety of colours, are fairly inexpensive and totally versatile. Here are 15 Easy Pipe Cleaner Crafts that your Kids will Love.
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#1. Pipe Cleaner Flowers
Discover a wonderful garden array of flowers with a simple collection of colourful pipe cleaners and some creativity. Pipecleanercraft have put together a few simple videos to give you step by step instructions on the various flower types, with endless possibilities.
Image via Pipecleanercraft
#2. Needle Craft
Turn your toddler into a mini tailor and create an adorable child-safe needle that you can use for pretend threading. Perfect for enhancing small motor skills.
image via alittlelearningfortwo
You may also like Mess-Free Fun with these No-Glue Crafts for Preschoolers
#3. Easy Four Leaf Clover
Show your preschooler how to make a four leaf using just two easy-peasy steps.
image via thealphaparent
You may also like 20 Homemade Christmas Decorations for Kids to Make & 8 Simple Craft Ideas for Preschoolers
#4. Pipe Cleaner Hair Band
Create this really simple hair band with 2 different colour pipe cleaners. You can easily add to this by adding different colours.
image via creativecoloringsandcrafts
#5. Pipe Cleaner Bracelet
Make a really simple bracelet to go with the hairband. All you need are some pipe cleaners and beads. These would be perfect for a craft or jewellery party activity.
image via thealphaparent
You may also like 11 Craft Ideas for Parties & Creative Party Activities, Perfect for Loot Bags
#6. Magic Wand
Let your kids be magicians or royalty with these cute pipe cleaner magic wands. All you need is a wooden skewer and a few different coloured pipe cleaners and whoosh!
image via freekidscrafts
You may also enjoy – 8 Creative Toilet Roll Paper Crafts for Kids to Make.
#7. Finger Puppet
Create a finger puppet and then act out a story, with this cute idea from littlecraftybugs. When the story's over, unroll your finger puppet and create a different character for a new story! All you need is a pipe cleaner, some googly eyes and glue. Let their imaginations flow!
image via littlecraftybugs
#8. Loom Bands Pipe Cleaner Pom Poms
Still have all those loom bands lying around the house? This is a simple idea from makeandtakes that combines pipe cleaners and loom bands to make these really simple pom poms.
image via makeandtakes
You may also like our Loom Band Ideas without a Loom
#9. Pipe Cleaner Tiara
If your child is in need of sparkly crown/tiara, this pipe cleaner tiara is a fab idea from education.com. Just grab a few sparkly pipe cleaners and twist to create a perfect royal crown.
image via education.com
#10. Icicle Ornaments
Pipe cleaners and beads are all that are needed for these sparkly and colorful icicle ornaments from Super Fun Kids Crafts. A lovely Christmas craft to hang on your tree.
image via Super Fun Kids Crafts
You may also like Christmas Crafts for Kids
#11. Spoon Ants
These ants from Learn Play Imagine have six legs and three body parts, and are simple to make. All you need is some black plastic spoons and pipe cleaners, some glue and googly eyes.
image via Learn Play Imagine
#12. Pipe Cleaner Beading
This is so easy to whip up and such a great activity for little hands. Get some Styrofoam bases and place some coloured pipe cleaners into each. Then get the kids to thread them with the same coloured beads. Great for fine motor skills.
image via momto2poshlildivas.com
#13. Pipe Cleaner Trees
Instead of spending money on buying accessories for your train set area – why not make them instead, using this craft from Play Trains? Get these simple green pipe cleaners, some scotch tape and some cardboard and make some trees. Perfect for train enthusiasts.
image via Play Trains
#14. Shamrock Crystals
This is slightly trickier one for the older kids but a wonderful craft from housingaforest that develops into a beautiful shiny sparkly decoration.
image via housingaforest
You will need:
- Borax
- boiling water
- a wide mouth glass jar
- green and white pipe cleaners
- string
- a pencil
- food colouring
You may also like 12 Funky Crafts for Kids Aged 8-12 yrs
#15. Glowing Aliens
This is a really cool way to make some funky alien crafts and take your pipe cleaner craft to a new level.
image via learnplayimagine
You will need:
- Neon Pipe Cleaners
- Neon Plastic Cups
- Neon Pom Poms
- baby food jars filled with GLOW water and water beads.
- Glow in the Dark Stars
- Black Light
- Hot Glue Gun
You may also like 50 Brilliant Ideas for Art & Crafts that Are Worth The Mess
Now over to you! Let us know if you have created anything recently using the wonderfully versatile pipe cleaner!


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Arthur Hanlon's Encanto Del Caribe
Arthur Hanlon's Encanto Del Caribe Previous Broadcasts
KQED Life: Tue, Sep 17, 2013 -- 10:00 PM
Pianist/composer Arthur Hanlon, the most recognized name in Latin instrumental music today, brings together some of the biggest and brightest stars in Latin music for a thrilling "Caribbean Fantasy" that includes a mix of Latin standards beloved by music lovers everywhere and original material that spans all cultural influence and appeal, including instrumentals and songs sung in English and Italian. The concert, taped at the historic San Cristobal fort in Puerto Rico, features crossover superstar Marc Anthony, living legend Cheo Feliciano, former New York Yankee Bernie Williams, top-selling female Italian artist Laura Pausini, Grammy-winning Spanish singer Natalia Jimenez, and newcomer Ana Isabelle. Set in the 500-year old castle fort, a United States National Historic Site which has never before allowed crews inside, and backed by a 40-piece orchestra, dancers, acrobats and scenic views of Puerto Rico, the concert song list is the perfect soundtrack to escape to a "Caribbean Fantasy," or "delight" that is the show name's English translation, an aural and visual escape for audiences.
Repeat Broadcasts:
- KQED Life: Wed, Sep 18, 2013 -- 4:00 AM


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Monthly Archives: February 2014
Publishers withdraw more than 120 gibberish papers : Nature News & Comment
The publishers Springer and IEEE are removing more than 120 papers from their subscription services after a French researcher discovered that the works were computer-generated nonsense. Over the past two years, computer scientist Cyril Labbé of Joseph Fourier University in … Continue reading
Posted in Basic News, Future of the University, Peer Review Tagged Cyril Labbé, MIT, SCIgen, Springer Verlag Leave a comment
Scientist proposes revolutionary naming system for all life on Earth
A Virginia Tech researcher has developed a new way to classify and name organisms based on their genome sequence and in doing so created a universal language that scientists can use to communicate with unprecedented specificity about all life on … Continue reading
College Applicants Sweat The SATs. Perhaps They Shouldn't : NPR
[William] Hiss' study, "Defining Promise: Optional Standardized Testing Policies in American College and University Admissions," examined data from nearly three-dozen "test-optional" U.S. schools, ranging from small liberal arts schools to large public universities, over several years. Hiss found that there … Continue reading
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A simple exercise to increase your happiness and lower depression, the greatest maps of imaginary places, David Foster Wallace on leadership, and more
Celebrated Italian novelist, philosopher, essayist, literary critic, and list-lover Umberto Eco has had a long fascination with the symbolic and the metaphorical, extending all the way back to his vintage semiotic children's books. Half a century later, he revisits the … Continue reading
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1 In 4 Americans Thinks The Sun Goes Around The Earth, Survey Says : The Two-Way : NPR
A quarter of Americans surveyed could not correctly answer that the Earth revolves around the sun and not the other way around, according to a report out Friday from the National Science Foundation. The survey of 2,200 people in the … Continue reading
Where does the Amazon start?
The Amazon is believed to be the world's largest river. A tough question has been where that river actually begins. Naming its source has evidently been difficult as centuries of efforts indicate. With technology and scholarship on hand why should … Continue reading
Posted in Basic News Tagged Amazon River, Perus, US Geological Survey Leave a comment
Study on evolution of flu viruses may change textbooks, history books
The study, published in the journal Nature, provides the most comprehensive analysis to date of the evolutionary relationships of influenza virus across different host species over time. In addition to dissecting how the virus evolves at different rates in different … Continue reading
Posted in Basic News Tagged epidemic, flue, influenza, outbreak, vaccine Leave a comment
What's the Point If We Can't Have Fun? | David Graeber | The Baffler
My friend June Thunderstorm and I once spent a half an hour sitting in a meadow by a mountain lake, watching an inchworm dangle from the top of a stalk of grass, twist about in every possible direction, and then … Continue reading
Posted in Field Philosophy, Interdisciplinarity, Public Philosophizing Tagged ethology, play, playfulness Leave a comment
Scientists reading fewer papers for first time in 35 years : Nature News & Comment
A survey of the reading habits of US university researchers saw a drop in the traditional, paper-based consumption of information. A 35-year trend of researchers reading ever more scholarly papers seems to have halted. In 2012, US scientists and social … Continue reading
Posted in Basic News, Broader Impacts, Future of the University, Open Access, Peer Review, Public Pedagogy Tagged broader impacts, research Leave a comment
Mesmerizing Magnet
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How Vaccine Fears Fueled The Resurgence Of Preventable Diseases
For most of us, measles and whooping cough are diseases of the past. You get a few shots as a kid and then hardly think about them again. But that's not the case in all parts of the world — … Continue reading
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James Franco recently took a selfie of himself nearly naked in a bathroom. Depending on what you think of James Franco's attractiveness level, it was either the best thing ever or totally disgusting. On Thursday, he stopped by The Late Show, and of course David Letterman asked him about his predilection for "provocative" Instagramming. "To me, it's just a fun thing," he explained. "It's something I don't put a ton of thought into, but it gets a lot of attention." Hmm, dunno if I believe that, but OK.
Franco tried to write the whole thing off by saying the photo was meant only for his Instagram fans, but when Letterman pressed him about his faulty logic, Franco said, "I didn't ask you to look at it! It's what the people want." Sure it is.
[via E! Online
27 Social Media Regrets You've Definitely Had
James Franco's Selfie Manifesto, Retold in Selfies
Celebrities Doing Things!
Follow Eliza on Twitter.
Photo credit: Getty Images


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Connect an HDMI-enabled output device to a DVI-D display, or a DVI-D output device to an HDMI-capable display. The HDMIDVIMM6 6-foot HDMI to DVI-D cable enables you to connect a DVI-D video card (or other DVI-D output device) to a display that incorporates HDMI technology; the cable supports bi-directional operation that also allows the reverse configuration, delivering digital video from an HDMI-enabled output to a DVI-D capable display.
A valuable addition to any digital signage, multimedia or home theater application, this high performance cable is designed to provide the best quality picture available through either HDMI technology or DVI digital connections.
- Product Description
- StarTech.com 6ft HDMI to DVI D Adapter Cable - Bi-Directional - HDMI to DVI or DVI to HDMI Adapter for Your Computer Monitor (HDMIDVIMM6) - video cable - 1.83 m
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- Limited lifetime warranty
- Designed For
Detailed Specification
- Cable Type
- Video cable
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- Colour
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- 19 pin HDMI Type A - male
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- 18+1 pin digital DVI (Single-Link) - male
Manufacturer Warranty
- Service & Support
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- Designed For
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Single Sided Sign Holders
Chrome and Acrylic Floor Standing Poster HolderMBC In stockFrom: £61.00(from £ per unit)
ex. VAT
LED Menu Display Stand 4 SheetsMBSL4 In stockFrom:
£283.70(from £ per unit)
ex. VAT
LED Illuminated Poster Holder BlackMPL In stockFrom: £38.77(from £ per unit)
ex. VAT
Adjustable Black Floor Standing Snap FrameMBB In stockFrom: £36.96(from £ per unit)
ex. VAT
Printed Cardboard Show CardAWCS In stockFrom: £0.59(from £ per unit)
ex. VAT
Acrylic Show Card Photo HolderAD5 In stockFrom:
£6.90(from £ per unit)
ex. VAT
Single sided sign and menu holders
Where can I use single sided sign holders and menu holders?
Single sided sign holders and menu holders are ideal for use in shops, restaurants, cafes and galleries. Some of these single sided poster holders are designed on a pole or easel for floor standing. Floor standing sign holders are a great choice for larger signs and posters that you want to be highly visible, such as displaying special sale or promotional information to be seen from the street. This includes our menu display stands, which are perfect for attracting customers and/or keeping them engaged as they queue.
Do you supply single sided sign and poster holders for countertops?
As well as our pole mounted floor standing sign holders, we also supply counterstanding single sided poster holders for tabletop use. These are often popular for use in retail environments, as these sign holders can be placed directly on top of, or next to, the products that they are promoting. We even have poster holders available with integrated leaflet dispensers, giving you every opportunity to keep customers and clients fully informed.
Which style of menu holder is right for my bar?
Freestanding single sided menu holders are often built with a lean back angled style, which makes your literature more easy to read and appeal to customers. Their ability to freestand on a countertop means they can be displayed attractively on bar tops and tables.
Storing menus using holders is also a quick and easy solution for keeping your bars and tabletops neat and tidy. In turn, this prevents you from having to print more menus than is necessary, as they will no longer be getting crushed or spilled on while they are being displayed in a holder.
How do I keep my POS on trend?
Choose a clear acrylic design for a modern and minimalist feel, or perhaps opt for one of our wooden menu holders to add a more rustic or vintage aesthetic. Wood is a particularly fashionable choice of material for pos display products at the moment, and you can also invest in wooden wall mounted sign holders, A boards and condiments holders to create a comprehensive style throughout your business.


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Las Vegas is home to some of the most creative and famous chefs in the world and the food that they create inside of their restaurants is just as impressive as the lineup of chefs. While you can treat yourself to almost any decadent dish that you could imagine, your taste buds are likely to be just as impressed by the inventive drinks that you will find on the cocktail menu.
The world of mixology in Las Vegas has turned into an art form, with beautifully designed drinks that can contain almost any type of ingredient that makes its way through the kitchen. Ginger is one ingredient that has excited the cocktail world and you can find a number of enticing drinks that have been created with this root being the focal point at a number of the restaurants at the ARIA Resort & Casino.
"We have a lot of different venues in the hotel and ginger works very well in Asian inspired cuisine and Asian restaurants," ARIA Director of Beverage, Michael Shetler said. "Ginger is so versatile, it works with so many spirits because it has earthiness, spice, vanilla notes and so it accents different characteristics of different spirits. The vanilla notes in rum, in vodka it adds spice to what is otherwise a very neutral spirit and in our climate it is a really clean and refreshing ingredient."
A flavorful cocktail with a classic feel, the Ginger Sour at Sage not only has a great flavor to it, but being prepared with egg whites makes this drink visually creative drink as well and gives it a great texture. The Ginger Sour uses Rhum J.M. Gold rum with the spicy, aromatic Canton Ginger Liqueur made with fresh, baby Vietnamese ginger. The Ginger Sour is mixed with ginger syrup, lime, Angostura Bitters and served in a champagne flute, a perfect drink at the bar or to enjoy with your dinner.
"The key ingredient to a Pisco sour is the egg white, that is incorporated into the Ginger Sour and that is where you get that beautiful froth. Cocktails have to be three things; a balance of sweet, bitter and sour and I think this drink has all three of those components, you get the spice from the ginger, a little bit of the sweetness from the rum, acid from the lime and you combine all three of those together and they accent each other perfectly," Michael stated.
Ginger is not alone when it comes to being a unique and seasonally fresh ingredient used in the creation of Las Vegas cocktails. The cocktail menu has become much like the dining menu; you will see changes as the seasons change. Fresh ingredients make as much sense in a cocktail as they do in dish that comes out of the kitchen.
"When the menu changes it isn't a full scale change, they try to incorporate the freshest produce, fruits and vegetables that are available based on the change in seasons. We try to mirror that in the cocktail program as well," Michael said. "That is the trend and dining in general has changed, fresh ingredients, cocktails and spirits have really exploded over the last decade in America, people want to know what they are drinking now."
Michael just introduced a smoked peach bourbon that is called the Smoking Bullet. The kitchen obtains these ripe seasonal peaches from California and then they smoke them and macerate them in bullet bourbon for about three days and the bourbon takes on the natural sweetness of the peach.
Sage is not alone when it comes to incorporating ginger into its cocktail menu, you can currently find a hint of ginger on a number of ARIA restaurants. The ARIA version of the traditional ginger beer drink, the Moscow Mule, can be found at AMERICAN FISH by Michael Mina and Sage. AMERICAN FISH is known for incorporating historically classic drinks into its menu, making this cocktail a perfect fit. This version of the Moscow Mule is made with Stolichnaya Vodka and Fever Tree Ginger Beer and to give it the special feel it is served with lime in a copper mug.
If you are looking for an alternative to having wine with your amazing Jean Georges Steakhouse cut of beef, they have come up with the Ginger Margarita. This cocktail combines the smooth, subtle taste of Sauza Hornitos Reposado Tequila with tangy lime juice and ginger. Served over ice and rimmed with an inventive ginger and salt blend, this refreshing drink is an ideal complement to the delicious steaks served nightly.
Lemongrass developed a flavorful drink with the Thai-inspired Ginger Peach. They start off with black tea infused Absolut Apeach Vodka and then combine that with Canton Ginger Liqueur, fresh sour and garnished with shredded ginger. This makes for a perfect pairing for nearly any dish on the Lemongrass menu.
All of the bars in ARIA carry the Ginger Cosmopolitan, which features Absolut Citron Vodka, Canon Ginger Liqueur, cranberry juice and fresh lime juice. This version of the Cosmopolitan really takes on the flavor of the ginger.
Mixologists don't have all of the fun, Sirio Executive Chef Vincenzo Scarmiglia not only serves the finest Italian Food in all of Las Vegas, but he also introduced a 'cello flight that is unlike any other. Five different flavors of 'cellos, each paired with a bite size dessert, will give you a flavorful dessert unlike other.
Based on a family recipe passed on by his grandmother, Chef Vincenzo began with his classic Limoncello. The Limoncello was such a hit that he decided to experiment with other flavors and with that came this enticing flight of 'cellos, with each flavor being paired with a matching bite size dessert.
The Cocoacello is a perfect match for this flight as it is full of chocolate flavor and it is paired with cocoa nib cookies. To enhance the flavoring of this 'cello, Chef Vincenzo adds a dash of vanilla to the traditional ingredients.
To give you a fruit flavor with your flight of 'cellos, Chef Vincenzo created the Tangerinecello and the Berrycello. Each of the 'cellos are a little lighter and really allow your taste buds to run through an array of flavors.
While the Limoncello is the original, Chef Vincenzo created the king of all 'cellos, the Truffle 'cello. His love of truffles enticed Chef Vincenzo to try his hand at this version and he pulled it off using a black truffle in masterful fashion. Sirio is the only known menu that serves a Truffle 'cello, just one more tasty reason to visit Sirio. The Truffle 'cello is meant to be tasted last and with good reason, this is the flavor that you want to leave Sirio with. The first sip that you take will burst on the tip of your tongue, a hint of sweet that is overpowered by the truffle, giving you a truly unique flavor sensation. His personal favorite
"With the Truffle 'cello, it gives you that earthy taste, you taste truffle, the liquer, the sweetness then back to the truffle, when we offer the tasting we always recommend the truffle to be last because that is the one you want to remember," Chef Vincenzo said. "If someone is a truffle lover, they will love this 'cello."
Chef Vincenzo has two new 'cello flavors in the works, tropical and melon versions that are perfect to combat the Las Vegas heat. To let you know that Chef Vincenzo does not just throw any flavor of 'cello at you, he has had his disappointments. He thought a licorice version would work and he was extremely disappointed that it didn't. For all of the flavor that the black Truffle 'cello provides, the white truffle version paled in comparison and did not make the menu.
The 'cello flight is hard to top when it comes to completing a meal at Sirio, but in keeping with this authentic experience, Chef Vincenzo brought one more thing from his homeland to complete the experience. He has his staff take a cart around to each table once dinner is finished to prepare cocktails for you. These are not your typical cocktails, what you will find are some of the rarest, most unique and flavor liquers in the entire world. Chef Vincenzo not only does this to provide you a one-of-a-kind cocktail, but in Italy after a meal this is a way for family and friends to extend their joyous evening, as it entices you to enjoy your cocktail while conversing and enjoying the company you are in for just a little while longer.
Next time you are dining out grab the cocktail menu or ask your server if they could make a recommendation on a cocktail. Whether it is ginger, truffles or any seasonal produce, these ingredients might make for one of the tastiest experiences of your evening without taking a bite.
For more information on ARIA Casino & Resort, visit: www.arialasvegas.com


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> Robert Gardner et. al
Robert Gardner et. al
By OTTER
Posted: April 21st, 2008 @ 3:34am
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Satan..uhh..Robert Gardner
So, is it just me or is anyone else thinking this Robert Gardner might be related to Jenny? Clearly its not her father since we know that was Ray Gardner, but it would make sense that he would be related. We know by his scenes so far that he has money and is definitely connected to Jesses disappearance. But who is he really?
RAY GARDNER Heres what I recall about Ray Gardner. When Tad was 10 years old, Ray Gardner (his uber evil father), pushed him out of the car and abandoned him in a park near Pine Valley. A couple years later, Joe & Ruth Martin decided to become Tads legal guardians while they searched for his natural parents (Ray & Opal Gardner). Always looking to make a buck at anyones expense, Ray slithered back to PV and tried to sell Tad to the Martins for $15,000. Of course the Martins refused this absurd offer and Ray being the gentleman he is, raped Ruth. She in turn pressed charges and he was sent to jail. When Tad was 15, he officially became a Martin.
Im thinking Ray came back sometime later, but I dont recall if you know, please comment and help us flesh out his storyline. I know he died not that it matters in soap land, LOL but the last I knew he was off the canvas permanently.
So, having said all that am I alone in thinking Robert is related to Ray ergo related to Tad? And if so, what is the connection to Jesse or Angie? And why would he take all the security video for Frankies hospital stay too?
Things that make you go hmmmmmm .
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Dikembe - Mediumship - T-Shirt
Availability In Stock!
Band Dikembe
Design Mediumship Monster
Ink Cream
Shirt Black
Brand Gildan (Heavy)
Designed By Josiah Lloyd
Returns / Refunds Policy We can only accept returns and refund items that have been incorrectly sent or are faulty/damaged. If you have ordered the wrong item or size, email email@example.com with your order information and we might be able to exchange the item, but you will be required to pay all additional postage costs
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>> English slogan to be determined
4 August 2018 Town planners without borders. USF is an international NGO registered in France and recognised as a general interest association. USF is committed to fostering (...)
8 August 2010 Town planners without borders USF has several working groups focusing on a variety of topics and geographical areas. Informal districts, disadvantaged areas and City (...)
2 July 2010 Town planners without borders French NGO USF has become a front-rank organisation specialised in the field of Town Planning and Sustainable Urban Development. For more (...)
2 July 2010 On behalf of the USF Board of Directors, It is my pleasure to present to you this report summarising the activities that USF undertook in 2008. We have carried out (...)
20 March 2010 USF is a French non-governmental organisation, recognised as a general interest association. USF is committed to fostering international cooperation and promoting (...)


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Okay, lets take a step away from engine programming, architecture, implementation, you get my point, lets talk more about game logic, and how to program it. Event based logic has recently sparked my interest and I'd like to implement it (even if in a text based RPG).
I've done some googling and havn't come up with much, through talking to a friend on AIM (one of the lead programmers for Visual3D (www.visual3d.net), he told me that an event based logic system would lend itself well to almost any game engine.
So maybe we'll have an actor class, a class that has a list of possible response functions, and also a list of possible cues... Each actor will listen for cues in the "event handler" class, if an event happens in the event handler loop and a certain actor is listening at the time, he will have recieved his cue and respond accordingly.
To put it into a less arbitrary sense, think of winning your space invaders level, you're at the boss, and successfully defeating him will end the level. So you kill the big bad boss, a cue is sent to the level actor, level actor is like oh, you killed the boss, you win! Congratulations, level is over.
Is there anyone out there who can try to unmuddle this concept in my brain, in terms of code I mean, what kind of arbitrary base classes do I need to implement? ETC ETC ETC .


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U.S. Equal Employment
Opportunity Commission
Company Fired Employee Who Complained About Perceived Harassment, Agency Charged
PITTSBURGH — Verizon Pennsylvania Inc. has agreed to pay $37,000 and furnish other relief to settle a retaliation lawsuit filed by the U.S. Equal Employment Opportunity Commission (EEOC), the agency announced today. The EEOC charged in its lawsuit that Verizon fired Senior Field Clerk Lissa Hannan about 10 days after she complained about perceived sexual harassment by a male contractor.
According to the EEOC's suit, Hannan began working for Verizon in September 2005 at its Bellevue, Pa., location as a "term employee" with a contract to work for anywhere from six to 36 months. She was assigned to perform administrative duties for a male contractor who worked in the office next to hers. In January 2006, Hannan, accompanied by the union president, complained to her second-level supervisor that she believed the male contractor was sexually harassing her. That day the company reassigned her to its Pittsburgh location pending investigation of her complaint. The EEOC charged that instead of investigating the complaint or taking action to stop the alleged harassment, Verizon terminated Hannan's employment about 10 days later in retaliation for her complaint about sexual harassment.
Retaliation for protesting perceived employment discrimination violates Title VII of the Civil Rights Act of 1964. The EEOC filed suit (civil action no. 07-01304, filed in U.S. District Court for the Western District of Pennsylvania) after first attempting to reach a voluntary settlement.
Besides the monetary settlement, Verizon also agreed to train managerial employees at its Bellevue location regarding Title VII's anti-retaliation provisions and to post a notice on the settlement.
"We are pleased the parties were able to resolve this matter amicably," said EEOC Acting Regional Attorney Debra Lawrence. "The training should benefit all employees at the facility."
In FY 2008, retaliation charge filings with the EEOC surged to an all time high of 32,690 -- up 22 percent from the prior year and almost triple the number of such filings in FY 1992.
The EEOC enforces federal laws prohibiting employment discrimination. Further information about the Commission is available on its web site at www.eeoc.gov.


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Your entitlement to some state benefits (contributory benefits) depends on how much national insurance (NI) you've paid or been credited with. State Pension and bereavement benefits are examples of contributory state benefits.
There may be times when you're not paying national insurance because you're off work sick or are claiming state benefits for illness or disability. In these situations, you usually continue to get NI credits. These cover the contributions you were unable to pay and protect your entitlement to contributory state benefits.
However, sometimes you may have a gap in your NI record. For example, if:
- you're not paying NI because you work but are earning less than £112 a week in 2015–16 (unless you're also claiming benefits such as Working Tax Credit because your income is low – in that case, you'll get NI credits)
- you no longer qualify for sickness and disability benefits but decide to take an extended, unpaid break from working
- you take early retirement and you've not yet reached State Pension age.
If you have a gap in your NI contributions, you could choose to pay voluntary contributions to plug the gap and protect your State Pension and bereavement benefits. But working out whether this is worth doing is complicated, because you can have quite large gaps without any loss of pension.
For advice on how to pay voluntary national insurance contributions and finding out whether it would be worthwhile, contact the HM Revenue and Customs National Insurance Helpline on 0300 200 3500 or textphone 0300 200 3519.
We have more information about state benefits. You can also get benefits advice from our welfare rights advisers by calling the Macmillan Support Line on 0808 808 00 00.


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LAYERS 010 - Dreamdrone is an extensive multisample package containing 108 samples. The numbers are equivalent to chromatic key assignment. The sound of Dreamdrone is already in the name: a long (over 90 seconds!) slowly evolving dreamy ambient drone pad with a lot of movement suitable for lovely background atmospheres that can be played as a PAD sound in your favourite sampler. Think Steve Roach or Vidna Obmana and you know what this multisample sounds like. It was created using NI Kontakt 4 within Cubase 5 and a lot of convolution (Voxengo's Pristine Space is my favourite) as well as some reverb from u-he: Uhbik-A. To maximise the sound excellent mastering plugins were used from Roger Nichols: Finis & D4. Exports were done as 32 bit audio files and the final 16 bit conversion to the flac format was kept as the very latest stage in the process to obtain the best possible quality.
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Wild Berries Round Canning Labels
Printed on high gloss photo quality paper offering a great high gloss shine and providing a great finished look!
Our labels are moisture resistance and can easily be written on with permanent pen or marker.
Available sizes –
Regular 2″ (20 labels per sheet)
Wide Mouth 2 1/2″ (12 labels per sheet)