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Online Maps
Maps intended for online viewing also have different requirements than those meant to be viewed on paper. Turner explains:
This content is not compatible on this device.
With all of this in mind, the cartographer has to gather data and figure out how to use visual elements to present it on the map. This requires more than just accurately outlining continents and bodies of water. The cartographer has to use colors, lines, symbols and text to make sure that the reader can interpret the map correctly. These visual elements help make it clear which parts of the map are most important, as well as which parts are in the foreground and which are in the background. Often, the cartographer can use a GIS to examine multiple versions of the same map to determine which one will work best.
Even with the help of a GIS, successfully creating a map requires a cartographer to have a lot of specialized knowledge. Many cartographers have degrees in cartography or in related subjects, such as geography, surveying or mathematics. Because of the increasing prevalence and complexity of geographic information systems, cartographers also need to be skilled at using computers. In addition, many cartographers are also interested in fields that make use of lots of maps. Turner says, "For me, it's weather and politics. For others it might be languages; for others it might be geology. For some it might be history, whether American history or world history."
Improvements in cartographic techniques and in geographical information systems have made it possible for people to get very specialized maps very quickly. This is a big improvement that has taken place over the last thirty years. Previously, getting a high-quality, specialized map could be challenging, especially on short notice. The next challenge is to get new maps into public view faster. "Typically," says Turner, "the lag time between when a map is developed and when it is available to the public in print or on the Web is three to six months, and that is I think an area that people are going to expect improvement in."
Fortunately, much of the technology required to gather data and quickly convert it into a map already exists. In the future, people may be able to access and download new, updated maps in real time. This could also affect the accuracy of online directions and turn-by-turn GPS systems.
To learn more about maps, cartography, geography and related subjects, check out the Lots More Information page. See more pictures of maps on the next page.


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See all my AI projects HERE
Flocking should contain at least three steering behaviors that individually describes how an actor behaves base on its neighbors' velocity and position.
Seperation: Actor should steer away from all neighbors. The closer a neighbor is, the harder the actor should steer away from it. Seperation describes the sum of all such steer away behavior.
private Vector2 Separation(){ Vector2 separation = Vector2.zero ; foreach (IActor actor in GetNeighborActors()) { Vector2 posDiff = actor.Position - _actor.Position; float T = 1.0f - (posDiff.magnitude / neighborDistance); separation += -posDiff * T * T; } separation = (GetNeighborActors ().Count != 0) ? separation : Vector2.zero; return separation; }
Alignment: Actor should steer towards the direction of the average speed of all neighbors.
private Vector2 Alignment(){ Vector2 alignment= Vector2.zero ; foreach (IActor actor in GetNeighborActors()) { alignment += actor.Velocity.normalized; } alignment = (GetNeighborActors ().Count !=0) ? alignment / GetNeighborActors ().Count - _actor.Velocity.normalized: Vector2.zero ; return alignment; }
Cohesion: Actor should steer towards the average position of all neighbors.
private Vector2 Cohesion(){ Vector2 cohesion= Vector2.zero ; Vector2 avPos = Vector2.zero ; foreach (IActor actor in GetNeighborActors()) { avPos += actor.Position; } avPos = avPos / GetNeighborActors ().Count; cohesion = (GetNeighborActors ().Count !=0) ? avPos - _actor.Position : Vector2 .zero; return cohesion; }
Flocking is simply the combination of the three.
flocking = Separation() * separationWeight + Alignment()* alignmentWeight + Cohesion()* cohesionWeight; _actor.SetInput( flocking.x, flocking.y );
To define all neighbors, it is better to leave out the ones at the back of the actors. In real life, flocking birds can't really see those behind them. Thus we can use a neighbor distance and an angle to define the area of neighbors.
private List<IActor> GetNeighborActors(){ List<IActor> neighbor = new List<IActor>() ; foreach (IActor actor in Flocking.allActors) { if ((actor.Position - _actor.Position).magnitude < neighborDistance) { neighbor.Add(actor); } if ((new Vector2 (actor.Position.x,actor.Position.y) - _actor.Position).magnitude > neighborDistance) { neighbor.Remove(actor); } if (Vector2.Angle ((actor.Position - _actor.Position), _actor.Velocity) > NEIGHBORANGLE && Mathf.PI * 2.0f - NEIGHBORANGLE > Vector2.Angle ((actor.Position - _actor.Position), _actor.Velocity)) { neighbor.Remove (actor); } if (neighbor.Contains(_actor)){ neighbor.Remove(_actor); } } return neighbor; }
I added a button to toggle the flocking behavior, and used a few line renderer to show the neighbor area. I also have three sliders to control the weights of the three component of flocking.
Finally, I added a pursuer that chases anything nearby, and the flocking actors also evades from the pursuer while flocking. It looks like this:

subset: commoncrawl


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Archive for category Berries
Lemon Berry Trifle
Posted by Deb Equality Della Piana in Berries, Desserts on October 8, 2013
I don't eat many sweets, but this is one I could not resist. When Bill made this for one of our cookouts, Susan and I ate the leftovers for breakfast for several days after. There are two key elements that make this so amazing. One is the lemon curd. The other is using Limoncello. (And here I thought only of using Limoncello in my Lemon Drop Martinis! Who knew?)
Of course, the pound cake is important as well. There are any number of great lemon pound cake recipes out there already, so I won't bore you with that. Just remember one important thing if you bake your own: You're not going to glaze it.
6 egg yolks
1 cup of sugar
4 lemons, zested and juiced
1/2 cup of unsalted butter, cut into chunks
1 pint each fresh strawberries (cut in half), fresh blueberries and fresh blackberries
2 cups of whipping cream
1 lemon pound cake, sliced
1/4 cup Limoncello
1 cup (1/2 pint) of cold heavy cream
3 tbs sugar
1/2 tsp pure vanilla extract
Fresh mint leaves (for garnish)
About a dozen fresh, whole strawberries (for the top)
Making the Lemon Curd
Combine the sugar, egg yolks, lemon juice and lemon zest in a glass, heat-resistant bowl.
Whisk vigorously over a simmering pot of water until the curd has doubled in volume and becomes very thick and yellow. This will take about 10-15 minutes.
Remove the bowl from the heat and then whisk in the butter.
Cool in the refrigerator for at least 2 hours.
Making the Whipped Cream
Whip the heavy cream in the bowl of an electric mixer. When it begins to thicken, add sugar and vanilla.
Whip until stiff peaks form.
Place in the refrigerator.
Assembling the Trifle
Mix the berries in a bowl.
Gently fold the whipped cream into the lemon curd to lighten it.
Line the bottom of a trifle bowl with pieces of the lemon pound cake. Brush the cake with Limoncello.
Add a layer of lemon curd, and then add a layer of the berries.
Repeat the process until all of the ingredients are used.
Finish the masterpiece with berries on top (remember to use the whole strawberries on the top of the trifle). Garnish with fresh mint leaves.
Chill for at least one hour before serving.


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Festival Hop 2017 is accepting submissions.
The HOP Festival was born as the result of the Urban Culture & Dance Gathering Sessions (Encuentros de Danza y Cultura Urbana) promoted by the El Generador for Art and Cultural Creation Association (Associació El Generador, Art i Creació Cultural) in Barcelona back in 2011. Fully consolidated by now, it promotes and stirs contemporary scenic creation for urban dances. The festival is a platform for research, creation, exhibition and diffusion, one that urban dancers have as a meeting point to be able to develop and exhibit their artistic works. In the same way, public, programmers and managers have it as a point of reference to visualize the current state of the scenic creation for urban dances.
Where: Spain
When: November and December
Deadline for applications: 15th of July
For four years we have been hosting the Scenic Creation Contest for Urban Dances, this being the tool to exhibit and encourage the scenic creation among dancers who, up to 2016, had built, using the urban dances, their basic language of work.
For 2017, aiming for the professionalization of the festival, as well as of the presented pieces and the participant artists that regard the HOP Festival as a meeting point to show their creations, train themselves, dialogue with other dancers and grow as artists, we have decided to take a step forward. On that note, we abandon the contest format and we move to a planned programme of pieces, which, along with workshops, round table discussions, creativity labs and more, will configure the whole programme of activities that will shape the festival's new format.
The new format will have two parts: On the one hand, we will have CAMINS DE CREACIÓ, which will contain the programme supporting creation and exhibition of pieces in collaboration with the different civic centres. On the other hand, and in collaboration with Mercat de les Flors, we will hold an international programme focusing on the contemporary creation of urban dances. Both projects are interrelated and the pieces selected for CAMINS DE CREACIÓ may have a space within the programme at Mercat de les Flors as well, ultimately leaving that decision on the organization's hands.
The distribution of the selected pieces within the programming and the different spaces and dates will be sorted out by the members of the organization.
The programme's schedule will be defined and published in two separate instances:
- CAMINS DE CREACIÓ — the final programme will take place on November at the following venues: Auditori de Sant Martí, Centre Cívic Tomasa Cuevas, Centre Cívic Barceloneta and Casa del Rellotge-Sala Pepita Casanellas.
- CreAció conteMporànIa daNsA uRbana — will take place from the 9th to the 17th of December at Mercat de les Flors
How to apply
The pieces must be registered through the REGISTRATION FORM. The deadline for submission of pieces ends on June 15th of 2017.
REGISTRATION FORM –> https://docs.google.com/forms/d/e/1FAIpQLSe1OLrnGiogYesL6Jc2maG3DiMqfSQ5-xb3Zqt0rIuZTKYjgg/viewform?usp=sf_link
The presented piece must include, in addition to the registration form, the following documents attached in an email sent to email@example.com:
- Video of the full piece using a fixed recording, to be submitted through a link on the Internet (Vimeo, Youtube, etc) which will be included in the registration form.
- Piece's dossier.
- Participating artists and company's CV.
- List of technical minimum requirements for the presentation of the piece.
- Hi-res images that will be used to promote the pieces and the festival, as well as to prepare the promo kit handed to stage managers and the media.
- Additional material deemed appropriate.
- Guardian's legal authorization in the case of minors.
The pieces submitted without the required documentation will not be evaluated by the organization.
Costs: FREE
Contact details — email@example.com
For further information, please visit http://elgenerador.org/open-call-festival-hop-2017/
DON'T MISS A THING. Subscribe to Dancing Opportunities by Email


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Welcome to the website for Fresh Expressions and innovative mission projects in the Withington Deanery (South Manchester).
Here you can read about our work with schools, Messy Church, new gatherings for worship and discipleship, missional communities, and projects to connect with those beyond the walls of our churches or on the fringe.
Our blog provides updates on new initaitives, development of existing ones, resources, research and mapping of Fresh Expressions in the deanery and beyond.
If you'd like to know more about any specific project or about Fresh Expressions in general, please contact our Fresh Expressions Enabler, Mark Hewerdine.
All the churches in the Withington Deanery are members of Inclusive Church. You can expect to find all of our Fresh Expressions activities are rooted in the beliefs and aspirations of the Inclusive Church network. Find out more about our Inclusive Deanery.
Recent Activities
Read about our Messy Church Saturday gatherings in Withington
Read about "Walk the Labyrinth at St Nic's" during Lent 2017


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As 2016 sails slowly into the sunset, thoughts turn to the opportunity for a do-over presented by 2017. January, for many people, is a month for optimism. It presents us with a clean slate and the opportunity to re-invent and be our best selves. For some, those desires are put into action with resolutions. I have never been on for New Year's resolutions as I believed them to be an exercise in futility; probably because I am not great at setting goals and even worse at working towards them. Goals open the door for failure and who wants that?!
In anticipation of resolution season, I started working on some new "habits" in December and I have been very successful thus far. This has led me to rethink my attitude on resolutions. Being a research junkie, and looking for validation, I headed to Google to get some insight into the resolution making thing-nothing ventured, nothing gained.
I stumbled onto a site called Statisticbrain.com where I learned a few things about New Year's resolutions-one of which affirmed my change of heart.
From 2015:
45% of people usually make resolutions
17% of people make resolutions infrequently. I probably fall into this category
38% of people never make resolutions
8% of resolutions made are successful
49% of resolutions made are infrequently successful
24% of resolutions made are never successful.
People who explicitly make resolutions are 10% more likely to attain their goals than people who explicitly don't make them.
Nothing ventured, nothing gained. Take the shot.


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A ranking of the Top 100 Commercial Design Firms based on Building Design+Construction's 2009 Gia...read more
A ranking of the Top 50 Commercial Contractors based on Building Design+Construction's 2009 Giant...read more
A ranking of the Top 30 Mixed-Use Contractors based on Building Design+Construction's 2009 Giants...read more
Five outstanding developments have been selected as winners of the Urban Land Institute (ULI)...read more
For more: www.BDCnetwork.com.
After a slight decline in April, the Architecture Billings Index was up a tenth of a point to 42....read more
Most of us know the fuel efficiency of our cars, but what about our buildings? ASHRAE is working...read more
Recommendations on achieving 30% energy savings over minimum code requirements are contained in t...read more
Energy Retrofit Group (ERG), the subsidiary of 40-year-old, award-winning Adache Group Architects...read more
Magellan Development Group has opened three display models for the rental portion of Chicago's hi...read more
A 1960s office tower in Nashville, Tenn., has been converted into a 248-room, four-star boutique...read more
Officials in Portland, Ore., have proposed a green building incentive program that would be the f...read more
A 1960s office tower in Nashville, Tenn., has been converted into a 248-room, four-star boutique...read more
A partnership of five developers, including the John Hardy Group and Peterson Companies, have com...read more
Goettsch Partners, Chicago, designed a new five-star, 214-room hotel for the King Abdullah Financ...read more
The Joule Hotel in Dallas, designed by local firm Coburn & Smith, was constructed in 1927 as...read more
When the Rocco Forte Collection opens the Verdura Golf & Spa Resort in Sicily in early 2009,...read more
It's early June, in Las Vegas, which means it's very hot, and I am coming to the end of a hardhat...read more
New York-based developer Tribeca Associates has commissioned Brennan Beer Gorman Architects to de...read more
Mid-twentieth-century projects are in a state of limbo. In many cities, safeguards against quick...read more
After his initial tour of the dilapidated 1850s-era Battle House Hotel, Ron Blount, construction...read more
Once an elegant and fashionably trendy locale, the Presidential Hotel played host to the 1928 Rep...read more
Download a PDF of the Entry Information at the bottom of this page.
Download a PDF of the Entry Form at the bottom of this page.


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J. Larose
J. Adam Larose, who uses the professional name J. LaRose, is a Navajo actor.
J. Larose
J. LaRose at the 2009 New York Comicon
|August 24, 1972
|Years active
He has worked with Darren Lynn Bousman, who directed the films in the Saw series, on six projects; Identity Lost, Butterfly Dreams, Saw III, Repo! The Genetic Opera, the Fear Itself episode "New Year's Day", and Devil's Carnival. Two of which were Darren Lynn Bousman's first short films, Repo! The Genetic Opera was a short directed by Darren Lynn Bousman to promote a feature film to Lionsgate. It successfully did and after Saw IV, Darren Lynn Bousman directed a full-length feature film version of Repo! The Genetic Opera, in which J. Larose played the Vanity and Vein reporter who interviews Rotti Largo about Zydrate addiction. J. Larose played the lead in each; Butterfly Dreams and Identity Lost. However, he made his Hollywood film debut in a much smaller role as Troy, a helpless victim of Jigsaw in Saw III. A new commentary track with Darren Lynn Bousman and J. Larose was included on the Director's Cut DVD of Saw III. LaRose plays The Major [1] in The Devil's Carnival, an upcoming film from Darren Lynn Bousman and Terrance Zdunich of Repo! fame to be screened on tour beginning in April, 2012.[2]
- Butterfly Dreams (2000) as James Luther
- Saw III (2006) as Troy
- Repo! The Genetic Opera (2006 short film) as Pavi Largo
- Saw IV (2007) as Troy (flashback)
- Death Walks the Streets (2008) as Mayor Alvarez
- Repo! The Genetic Opera (2008) as Vanity and Vein reporter
- The Tenant (2009) as Jeff[3]
- For the Love of Jade (2009) as Clemens
- Mother's Day as Hospital Security Guard
- 11-11-11 (2011) as Wayne
- Insidious (2011) as Long Haired Fiend
- Pennhurst (2011) as Willard
- The Devil's Carnival (2012) as The Major
- Insidious: Chapter 2 (2013) as Long Haired Fiend
- Missionary (2013) as Sarge Powell
- Last Shift (2014) as Homeless Man
- To Write Love on Her Arms (2015) as Echo
- Extremity (2018) as Phil
- Mind of Mencia as Indian
- In Search Of...Mitch Pileggi as Ancient Man
- Sheena - "The Feral King" as Raoul
- Fear Itself - "New Year's Day" as Parking Garage Thug
- Mayans M.C. - "Buho/Muwan" as Adam


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Pumpkin Chai creates a cozy autumn ambiance with a blend of wild pumpkin, spicy chai, cardamom, ginger and cinnamon.
Nest's elegant Reed Diffusers are carefully crafted with the highest quality fragrance oils and are designed to continuously fill any space with a lush, memorable fragrance. The alcohol-free formula releases fragrance slowly and evenly into the air for approximately 90 days. Your "kit" will contain reed diffusing sticks and a decorative fragrance bottle filled with this amazing fragrance. Simply pop the sticks in the liquid and enjoy! A wonderful, flame-free way to indulge in the amazing fragrance of Nest.


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British Wild Food print
£20.00 – £30.00
A high quality print of my British wild food illustrations, featuring 12 of my original drawings.
This is a high quality, archival digital print available in 2 sizes:
A4 (8.27 x 11.7 inches, 21 x 29.7 cm) high quality archival print onto archival matt heavyweight paper.
A3 (11.7 x 16.5 inches, 29.7 x 42 cm) high quality archival print onto archival matt heavyweight paper.
The print is unmounted and unframed, I sign each print in the bottom right hand corner. The A4 size will be posted in a board backed A4 envelope to protect it, A3 prints will be posted rolled in a cardboard tube to protect them.
The foods featured and labelled underneath the picture are: Wild garlic, elderflower, sea kale, marsh samphire, dulse seaweed, watercress, blackberries, dandelion, elderberries, nettle, morel mushrooms and sorrel.


text: VISITVisitor InformationDirectionsThronson CaféMuseum StorePublic ToursGroup ToursSchool VisitsNearby AttractionsEXHIBITIONSCurrent ExhibitionsUpcoming ExhibitionsPast ExhibitionsOutlooks Exhibition SeriesArt Is EverywhereCOLLECTIONSBritish Pre-RaphaelitesHoward PyleAmerican IllustrationJohn SloanAmerican Art, 19th Century – PresentCopeland Sculpture GardenThe Helen Farr Sloan Library and ArchivesNew AcquisitionsCurator CornerSearch The CollectionPROGRAMS & EVENTSCalendarAdult ProgramsTalks & ToursFamily and YouthArt CampConcerts on KentmereCalls for ArtisansConnected SeriesHoliday House TourEDUCATIONStudio Art ClassesSchool & Teacher ProgramsOutreach: Art ExcursionsHomeschool ProgramsDocentsKids' CornerRed Apple FundMEMBERSHIPWhy Membership MattersMembership LevelsDirectors CircleRossetti CircleArt Is CardReciprocal MuseumsSUPPORTAnnual GivingLegacy Giving1912 Loyalty SocietyDonor PortraitsCorporate SupportFinancial Documents2014 Annual ReportABOUTCentennial HistoryBuilding DesignGoing GreenDelArt BlogE-NewsMuseum RentalPress RoomOpportunitiesVolunteerContact UsStaff ListBoard Of TrusteesMuseum CouncilFirstPrevious12..122123124125126..228229NextLastJohn Moyr SmithDate: British illustrator and designer, active c. 1870–c. 1920Biography: After starting as an architect, Smith began to produce illustrations for "Fun" and other magazines in the 1870s. He was Editor of "Decoration", 1880-89 and drew in a flat Etruscan style derived from his study of ancient art. (Source: Houfe, History of 19th Century British Book Illustration)Related worksScene from "A Midsummer Night's Dream"Browse All


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This guest article is by Matthew Ganser, director of engineering at Carbon Lighthouse
In case you missed the $150 million worth of ads from fossil fuel interests during the election, the rise in natural gas production in the U.S. has become a sensation, with the International Energy Agency's annual report recently citing it as a catalyst of shifting world energy balances. But while many politicians promote the gas boom, not everyone has been convinced. Contamination worries from local governments due to hydraulic fracturing and ongoing concerns about the climate impacts from burning natural gas continue to hamper development efforts.
In the background of this debate, a competing energy resource play has quietly built momentum. But unlike finite fossil fuels, this resource continues to grow, driven by increasing GDP, population, and service loads. And contrary to some renewables, this resource survives on its own merit without the benefit of tax credits. While land-grabs and exploration for natural gas and renewables continues across the natural landscape, prospecting for a different prize has gradually taken hold in the built environment. The race to the new resource play – energy efficiency in buildings - has begun.
In recent years, energy efficiency has been widely touted as the most cost effective solution to address concerns posed by commercial buildings on climate change, energy security, and volatile energy prices. Efficiency is emissions free, creates local (and non-exportable) jobs, and repeatedly demonstrates a respectable benefit to investment ratio. Even the Department of Defense has recognized the benefits, revealing plans last May to invest $1 billion in energy efficiency measures for U.S. based installations. As Amory Lovins, chief scientist at the Rocky Mountain Institute, describes it, energy efficiency is the "lunch you are paid to eat."
Part of the excitement stems from the enormous economic opportunity, or what I like to term "efficiency reserves." When viewed as a traditional resource play like natural gas, non-residential U.S. buildings represent an energy "resource base" of over 6500 trillion Btu's, or more than $100 billion in annual gas and electricity costs, serving the essential HVAC, lighting, and water heating systems in buildings. Not surprisingly, most of these systems contain a moderate amount of wastefulness due to dated equipment or suboptimal operation. Accounting for the capability of existing efficiency technologies to produce energy reductions, the efficiency reserves estimate amounts to around 2000 trillion Btu's, or $33 billion in annual potential savings that can be feasibly realized at today's utility prices.
However, efficiency has largely failed to gain a significant foothold in the energy "supply." Barriers including capital outlay, imperfect data, and scattered savings have slowed the adoption of efficiency technologies, especially in smaller buildings. Despite advanced HVAC equipment and building software, owners are wary to invest in solutions with long or uncertain payback periods. When combined with an absence of customer education and a product that lacks the sex appeal of solar, building owners often overlook efficiency reserves as a source of revenue.
The numbers tell a similar story. Since 1980, absolute energy use in commercial buildings alone has increased two-thirds to nearly 20 percent of U.S. energy consumption, with relative energy use per square foot increasing nearly 12 percent over the same period. Although efficiency may explain a recent leveling of this trend, the penetration rate of building solutions has been insufficient to offset the sheer energy demand, highlighting a gap between actual and theoretical impact.
So if the environmental and economic upswing is so great, and the technology already exists, what needs to happen for the U.S. to harness its efficiency reserves? Some companies think the answer is in the approach.
Given the size of the prize and technical complexity of producing value from efficiency reserves, a new breed of energy development comparable to the oil and gas industry has begun to take shape. Rather than focus on selling efficiency products, the goal has become executing efficiency projects that have the highest economic impact. Like a mineral lease, the efficiency developer assumes the risk and covers the costs in exchange for a share of the implemented energy savings. Sharing the savings incentivizes developers to find as many cost-effective efficiency measures as possible, maximizing both building and developer economic value.
As with natural gas development, this begins with extensive appraisal. Instead of drilling exploration wells and shooting seismic, efficiency engineers use data "loggers" to monitor building energy flows, "logging" the electrical current going to fans and pumps, air temperatures to tenant spaces, and fluid flows through piping networks. Similar to geologists evaluating how to produce a reservoir, the efficiency engineers use this comprehensive data to calibrate simulation models that predict the financial impact of a range of efficiency measures over the building life.
To develop the efficiency reserves, engineers make equipment and programming decisions based on maximizing profit, not a mark-up of products. For example, rather than purchase expensive ultra-efficient motors, low cost opportunistic additions to old fans and pumps such as variable frequency drives and demand controls can deliver equal energy savings at a fraction of the cost. And like integrated oil and gas companies, the efficiency developer is responsible for installing and monitoring the efficiency measures, ensuring that the building upgrades produce savings for years to come.
Although a young industry, more than 35 developers called Energy Service Companies or Energy Service Providers already exist in the U.S., with annual revenues exceeding $6 billion. While a great start, most of this success has been in municipal buildings and schools, where long-term ownership and credit stability pose fewer challenges. To access the much larger reserves locked away in private buildings, education and communication will continue to be vital between developers, investors, and building owners. Investors need to promote models that address the financial barriers of commercial real estate owners and facilitate outside investment. Efficiency developers need to hasten efforts to standardize measurement methodologies and data reporting, helping investors and building owners confidently understand the value of their efficiency reserves. And building owners need to be receptive to the changing efficiency paradigm, from the idea of efficiency as a standalone product to an integrated project.
Unlocking the efficiency reserves in U.S. buildings has just begun. Exciting new strategies and approaches have streamlined data logging, encouraged fit-for-purpose engineering, and bred innovative financing strategies aimed towards developing the untapped resource in the built environment. More broadly, if we are serious about addressing our national energy problems, these advances have given the U.S. a unique opportunity to realize large gains for both the environment and the economy. While "drill baby drill" has become a battle cry for natural resource exploitation, "log baby log" has quietly become the answer to the new energy frontier.
Matthew Ganser is a former drilling engineer for Royal Dutch Shell and a National Science Foundation Fellow at Stanford University. He is currently Director of Engineering at Carbon Lighthouse, which helps companies reduce energy usage and carbon emissions.


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Google Pixel 3
Order by 6pm for next day delivery
Order by 6pm for next day delivery
Our Best upgrade deal
£244.99 Upfront
- Unlimited Minutes
- Unlimited Texts
- 10GB Data
P/M for 24 months
P/M for 24 monthsBuy now
What We Think
The Pixel 3 showcases the very best that Google has to offer - including an all-day battery, an eye-catching 5.5 inch display, and 12.2MP camera with unlimited online photo storage. Google Assistant is also on hand for intelligent help when you need it most.
Out of Stock This product is currently out of stock. We have similar handsets available that are in stock and available to order for next day delivery View similar alternatives
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Everything you need to know Why buy the Google Pixel 3 64GB Not Pink
Google Pixel 3 64GB Not Pink Description
Product Specs
|Qualcomm® Snapdragon⢠845
|Key Features
|5.5 inch FHD display
|12.2MP camera
|Google Assistant
|Fast-charging battery
|Fingerprint security
|4K video recording
|Internal Memory
|Expandable memory
- no
|Standard Features
|Fast charge battery
|Finger Print Recogniton
|Wireless Charging
68.2 x 145.6 x 7.9 mm
148 gm
|Display Size
|Predictive Text
|Push Email
|Threaded SMS
|Camera Features
|4K video recording
|12MP camera
|Wi Fi
Google Pixel 3 Camera
Google Pixel 3 boasts a 12.2MP camera packed with useful features. There's a speedy autofocus on board, as well as both optical and electronic image stabilisation, to ensure pin-sharp snaps every time. And you can store all those special memories for free with unlimited online photo storage.
The secondary camera is an 8MP wide-angled lens, which arrives with a Group Selfie setting to guarantee you'll fit all your friends into the next group shot. You can also enjoy professional looking results such as depth-of-field and the perfect smile, thanks to Portrait Mode and Top Shot features.
Google Pixel 3 Power
Featuring smart energy-saving management, the Google Pixel 3 conserves battery power in a range of ways, such as shutting down unused apps automatically. With such efficient energy, you can expect this fast-charge battery to last for a whole day, without letting you down when you need it most.
Say goodbye to charging cables and enjoy a tangle-free experience, with Qi wireless charging technology on the Google Pixel 3. Designed for both convenience and speed, you can charge the Pixel 3 on any compatible Qi charger, or combine with the Pixel Stand (sold separately) for added features and shortcuts.
Google Assistant and Google Lens
Make daily life even easier thanks to the Google Pixel 3. With Google Assistant in your pocket, all the info you could need is only a voice command away, including flight times, traffic updates, weather reports and more. And if you need a little quiet time, just flip the handset face-down to activate the Do Not disturb function.
View the world around you through the Pixel's camera, and Google Lens can instantly display info on thousands of images. Point Google Lens at museums to view their opening times, or at a movie poster to discover a synopsis. It can even translate foreign signs and menus when travelling abroad.


text: Redesigned from the ground up, the all-new 2019 Chevrolet Silverado features an expanded range of eight models and six engine/transmission choices. It is larger than the previous generation in almost every dimension, enabling more cargo volume and interior room. The 2019 Silverado is up to 450 pounds lighter than the previous model yet offers best-in-class cargo volume. Dynamic Fuel Management on new versions of the available 5.3L and 6.2L V8 engine optimize performance and efficiency in all driving conditions. The Silverado will also be available with an all-new Duramax 3.0L inline-six turbo-diesel engine.


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Several years ago I did a short-lived series on another blog on various herbs and their uses. There are plenty of sites out there that tell us all about their medicinal uses and plenty out there that talk about their correspondences. I thought perhaps I could share some of the ways I've used particular herbs in my magickal practice. I welcome anyone that wants to post here and share ways that you've used some of these herbs.
Today I chose mugwort to talk about. It could be because I have had the distinct experience of having an over abundance of it for a while. I had ordered it in bulk to be used at an event that ended up not happening so I had more than my fair share of it. I've given it away to other witches for use in their practice and it's kind of become a running joke. I started looking for creative ways to use it.
I'm always amazed at how versatile this herb can be. I once heard someone call herbs that can be used for many different purposes void herbs. I really could not get my mind around that. The word void brings up a vision of an herb that is just filler and not an herb that has so many great powers to call on. Mugwort is one of those herbs that can be used for many different purposes depending on what your needs are. That, in my opinion makes it a powerful herb, not a void herb.
I'll start with a favorite of mine. I have always loved a good cup of chamomile tea. My husband turns his nose up at the smell of it but even he admits that after a cup of chamomile tea I'm so relaxed I'm practically purring like my cat. I used to drink chamomile just to relax a little at the end of the day. Last year I began having some insomnia and found that having a cup of chamomile and mugwort tea helped me get to sleep easily. It has the added benefit of helping me with some digestion problems I started having around the same time. (can anyone say stress?) After reading about how bitter mugwort tea would be I tried it by itself to judge for myself. I really didn't find it bad at all. I do like it better with the chamomile.
Other medicinal uses for mugwort are to treat stomach ailments such as indigestion, constipation and bloating, worms and intestinal parasites as well as a treatment for gout, nervousness, colds, asthma and depression.
A warning should be made that pregnant women should not take mugwort and as with any holistic treatments, please consult a physician as your symptoms may be indicative of something serious.
Now, on to some magickal uses for this versatile herb.
Stimulate dream intensity: You can drink the tea made from it or try putting it in a dream pillow and cuddle up to it when sleeping. It has an earthy herbal scent so you might want to add something like lavender to the mix to give you a sweeter scent and the scent of lavender is good for sleeping as well.
Energetic clearing: Burn dried mugwort to clear a space of negative energies.
Astral travel: Place a bundle of dried mugwort under your pillow to assist with astral travel.
Dispel nightmares: A bundle of dried mugwort under your pillow can help you dispel nightmares.
Scrying: Drink some mugwort tea before scrying. It can help open your psychic channels. Clean your scrying tools in an infusion of mugwort. Sprinkle some mugwort on the table where you are doing a reading or fill a small pillow with mugwort to rest your crystal ball on. I keep a bit of mugwort in the box where I keep my crystal ball, tarot cards, pendulum, scrying mirror and other divination tools.
Protection: Mugwort has been used to protect against demons, wild beasts, poison and sunstroke. In China, mugwort has been hung around the home in bundles to keep away evil spirits. In Japan, mugwort has been burned to remove evil spirits of disease. An incense including mugwort can be burned to protect the home. An amulet or mojo bag stuffed with mugwort is said to protect the traveler from misfortune.


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New Zealand based filmmaker Rene Naufahu has a new film project on the rise called The Last Saint. He has raised funds to shoot a trailer for investors to see the vision and value of the project. Touching on hard core issues of polynesian life in the social atmosphere in Auckland, Naufahu believes this is a film that will come strong as Once Were Warriors did in the mid 90's.
With every film, raising awareness and support is always challenging yet needed to elevate things to the next level. Being able to see the project develop and grow will be exciting for Naufahu and his production team. But more than that, it will be great for the pacific islander communities to see one of their own stories be told in an epic tale such as The Last Saint.
For more information on the film, you can visit their Facebook Page.


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GI Facilities in Vietnam passed the compliance audits for HSE
From 1 to 3 June 2016 experts from Gazprom International and representatives of Vietnamese companies Bien Dong Petroleum Operating Company (Bien Dong POC) and PV Drilling oversaw the auditing of the HSE management system on the facilities at contract blocks №05-2 and №05-3, which are currently being developed by Gazprom's operating company and PVN Petrovietnam.
As part of the auditing process, the Russian and Vietnamese experts made a visit to the offshore PQP-HT technological platform, as well as PV Drilling V, the main drilling platform for works carried out at blocks №05-2 and №05-3.
The expert group observed compliance with local and national legislation, as well as with international standards ISO 14001 and OHSAS 18001 in the fields of health, labour and environmental safety and security in regard to deep-sea work project realization. The parties noted the efficiency of the technologies implemented by the operating company, and the effectiveness of the HSE management system in place. During the auditing process, representatives from the Vietnamese side offered high praise to proposals put forward by Gazprom International experts with regards to improving management strategies in the framework of the HSE management system, as well as proposals regarding industrial waste reduction and cost optimization.
The Bien Dong Petroleum Operating Company is a subsidiary of the Vietnam Oil and Gas Group (Petrovietnam), created to act as operator in the framework of agreements signed on the joint management and production at offshore contract blocks № 05-2 and № 05-3 (the Moc Tinh and Hai Thach fields on Vietnam's continental shelf).
The Vietnamese PV Drilling Corporation is one of Petrovietnam's largest subsidiaries, which provides services in well drilling management and construction. The exploration and development project at the Moc Tinh and Hai Thach fields provides for the drilling of 16 exploratory wells.
The exploration and development project at the Moc Tinh and Hai Thach fields on Vietnam's continental shelf is being realized in the framework of agreements pertaining to the concession of shares following the agreements reached on contract production sharing at blocks № 05-2 and № 05-3. The agreements were signed by Gazprom International and Petrovietnam in April, 2012. Industrial production at the Moc Tinh and Hai Thach fields began in 2013. Hydrocarbons produced at the fields are transported to consumers in the south of the country via the Nam Con Son-1 pipeline. The total cumulative natural gas reserves at the two fields is estimated at more than 55.5 bln cubic metres. The total cumulative production of natural gas at contract blocks № 05-2 and № 05-3 has now surpassed a volume of 5 billion cubic metres.
Gazprom International considers compliance with the most recent and up-to-date international standards, including those regarding HSE-management, as one of its main priorities in its international work. To ensure this compliance the company's experts annually participate in training programmes organized for their benefit at Gazprom International Training, the company's specialized training centre in Amsterdam, as well as various other courses provided on location. Those attending the courses receive general information regarding the most common dangers and risks occurring at both onshore and offshore facilities, as well as information on universal safety and security measures. They also practice priority actions to be taken in case of various emergency situations or incidents.


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NYRR Run Clean
Who is doing the testing? Nov 09, 2017 12:43PM EST
NYRR works with the United States Anti-Doping Agency (USADA) to manage drug testing at our events.
What's your rule for allowing runners to participate in races if they have had a prior doping suspension? Oct 17, 2016 10:52AM EST
Athletes who have been suspended by a governing body for using performance-enhancing drugs are not eligible to participate in NYRR races. Appeals are reviewed by the NYRR Race Dire...
Who pays for the drug testing? Oct 20, 2016 09:51AM EST
NYRR absorbs all costs associated with the drug testing operation, including the fees paid to USADA for collection and administration.


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A warm welcome to my Etsy Shop BBIllustrationsArt, a home to whimsical printable art ready to be downloaded and enjoyed!
At BBIllustrationsArt Etsy Shop you can find colouring pages, digital prints ready to be framed, colouring books in pdf format, printable cards and soon digital stamps, paper and clip art for scrapbooking.
In the coming months I will be setting up a eCommerce Digital Download shop on my blog with all my printables to purchase.


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Sunflower seed husk is obtained during the process of sunflower seed hulling.
Sunflower seed husk is an organic energy-intensive fuel, which is used to generate water process steam at industrial facilities and as an alternative fuel at independent boilers.
Quality and safety indicators of sunflower seed husk meet the ДСТУ requirements 7123:2009 "SUNFLOWER HUSK".


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AUSTIN, Texas — Travis County is not so prejudiced against Rep. Tom DeLay that the former House majority leader couldn't get a fair trial there, a veteran defense attorney said Monday in a sworn court statement.
Other political news of note
Animated Boehner: 'There's nothing complex about the Keystone Pipeline!'
House Speaker John Boehner became animated Tuesday over the proposed Keystone Pipeline, castigating the Obama administration for not having approved the project yet.
- Budget deficits shrinking but set to grow after 2015
- Senate readies another volley on unemployment aid
- Obama faces Syria standstill
- Fluke files to run in California
- Animated Boehner: 'There's nothing complex about the Keystone Pipeline!'
The affidavit by Betty Blackwell was filed on behalf of prosecutors who are arguing against DeLay's request that his trial on money laundering and conspiracy charges be moved to another county.
"There is not so great a prejudice against the defendant, nor is there a dangerous combination of any sort, that will interfere with him receiving a fair trial in Travis County," Blackwell stated in the affidavit.
Defense attorneys argue that DeLay has been vilified in liberal Travis County, which was split into three different congressional districts as a result of a redistricting map DeLay engineered.
The change of venue request probably will be the first order of business for semiretired San Antonio Judge Pat Priest, who was assigned to the case last week. Priest has not yet scheduled a hearing on the matter.
DeLay attorney Dick DeGuerin has not specified another city to move the trial to, but said state law mandates this type of case be returned to the home county of the accused. That would put the trial in Fort Bend County, outside of Houston.
© 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Updated: Feb. 4, 2019
It's 2019, and Americans are more burdened by student loan debt than ever.
Among the Class of 2018, 69% of college students took out student loans, and they graduated with an average debt of $29,800, including both private and federal debt. Meanwhile, 14% of their parents took out an average of $35,600 in federal Parent PLUS loans.
You've probably heard another scary statistic: Americans owe over $1.56 trillion in student loan debt, spread out among about 45 million borrowers. That's about $521 billion more than the total U.S. credit card debt.
But how does this break down at a more granular level? Are student loans being used to attend public or private universities? Is it mostly from four-year or graduate degrees? What percentage of overall graduates carry debt? Are more grads utilizing private student loan consolidation and refinancing?
Let's take a look.
(Data provided by Mark Kantrowitz, publisher and vice president of research with SavingforCollege.com, as well as by the U.S. Federal Reserve and the Federal Reserve Bank of New York, unless otherwise specified.)
General student loan debt facts
First, let's start with a general picture of the student loan landscape. The most recent reports indicate there is:
- $1.56 trillion in total U.S. student loan debt
- 44.7 million Americans with student loan debt
- 11.5% of student loans are 90 days or more delinquent or are in default
- Average monthly student loan payment (among those not in deferment): $393
- Median monthly student loan payment (among those not in deferment): $222
(Data via the U.S. Federal Reserve, here, here and here, and the Federal Reserve Bank of New York, here and here.)
Public Service Loan Forgiveness statistics
As of Q3 2018 (latest available data)
PSLF borrowers: 890,516*
Borrowers who attempted to certify for PSLF: 1,173,420
Borrowers who submitted forgiveness applications: 19,321
Borrowers who were granted PSLF: 55
* Total number of borrowers who have one or more approved PSLF Employment Certification Forms (ECF)
(Note: Borrowers are self-identified based on submission of an ECF. Source: United States Government Accountability Office, via the Report to Congressional Requesters)
Federal student loan portfolio
(updated for Q4 2018)
Now let's dive into how much debt student loan borrowers carry by loan type, term and more.
Student loan debt statistics by loan program:
|Direct Loans
|$1.1503 trillion
|34.2 million borrowers
|FFEL Loans
|$281.8 billion
|13.5 million borrowers
|Perkins Loans
|$7.1 billion
|2.3 million borrowers
|Total (All Federal)
|$1.4392 trillion
|42.9 million borrowers
Student loan debt statistics by loan type:
|Stafford Subsidized
|$277.5 billion
|29.6 million borrowers
|Stafford Unsubsidized
|$489.6 billion
|28.7 million borrowers
|Stafford combined
|$767.1 billion
|33.1 million unique recipients
|Grad PLUS
|$67.0 billion
|1.3 million borrowers
|Parent PLUS
|$89.9 billion
|3.6 million borrowers
|$7.1 billion
|2.3 million borrowers
|$508.0 billion
|11.9 million borrowers
Data via Studentaid.ed.gov
Student debt statistics by loan status (Direct Loan Program)
|Loans in repayment
|$623.7 billion
|17.8 million borrowers
|Loans in deferment
|$124.3 billion
|3.7 million borrowers
|Loans in forbearance
|$111.1 billion
|2.6 million borrowers
|Loans in default
|$101.4 billion
|5.1 million borrowers
|Loans in grace period
|$43.9 billion
|1.7 million borrowers
Student loan statistics by repayment plan (Direct Loan Program)
|Level Repayment Plan(10 years or less)
|$196.2 billion
|10.83 million borrowers
|Level Repayment Plan(greater than 10 years)
|$76.5 billion
|1.69 million borrowers
|Graduated repayment plan(10 years or less)
|$84.2 billion
|3.03 million borrowers
|Graduated repayment plan(greater than 10 years)
|$15.1 billion
|320,000 borrowers
|Income-Contingent (ICR)
|$29.9 billion
|660,000 borrowers
|Income-Based (IBR)
|$168.5 billion
|2.83 million borrowers
|Pay As You Earn (PAYE)
|$78.9 billion
|1.27 million borrowers
|Revised Pay As You Earn (REPAYE)
|$136.7 billion
|2.45 million borrowers
Student loan debt by servicer
(updated for Sept. 30, 2018)
|Great Lakes
Data Source: National Student Loan Data System
More shocking student loan debt statistics
If those numbers weren't stunning enough, here's a closer look at how students accumulate debt based on the type of school they attend.
- 65% of seniors graduating from public and nonprofit colleges in 2017 had student loan debt.
- Average debt at graduation from public and nonprofit colleges was $28,650 in 2017, a 1% increase from 2016.
- 66% of graduates from public colleges had loans (average debt of $25,550)
- 75% of graduates from private nonprofit colleges had loans (average debt of $32,300)
- 88% of graduates from for-profit colleges had loans (average debt of $39,950)
- About 15% of the student debt held by the graduating class of 2017 was private.
- 48% of borrowers who attended for-profit colleges default within 12 years, compared to 12% of public college attendees, and 14% of nonprofit college attendees.
Graduates who received Pell Grants were likely to borrow, and borrow more:
- 88% of graduates who received Pell Grants had student loans in 2012, with an average balance of $31,200.
- 53% of those who didn't receive a Pell Grant had student loan debt, borrowing an average of $26,450 ($4,750 less than those with Pell Grants).
(Data via Ticas.org,here, here and here)
Private student loan debt statistics
- Private student loan debt volume hit $7.8 billion in 2014-15, up from $5.2 billion in 2010-11.
- More than half of undergraduates don't take full advantage of federal students, borrowing private loans before they've exhausted their available federal loans.
- In 2011-2012, 48% of private loan borrowers attended schools that had tuition costs of $10,000 or less
- Nearly 1.4 million undergraduates borrowed private loans in 2011-2012
- About 15% of debt carried by seniors graduating in 2017 was in private loans — compared to 16% of the graduating class of 2016 with private loans — with an average burden of $18,550.
- Interest rates for private loans ran as a high as 14.24% in September 2018.
(Data via Ticas.org here and here)
Graduate student loan debt
In 2012, about 40% of all student loan debt was used to finance graduate and professional degrees.
Combined undergraduate and graduate debt by degree:
- MBA = $42,000 (11% of graduate degrees)
- Master of Education = $50,879 (16%)
- Master of Science = $50,400 (18%)
- Master of Arts = $58,539 (8%)
- Law = $140,616 (4%)
- Medicine and health sciences = $161,772 (5%)
- Other master's degrees = $55,489 (15%)
Clearly, as these student loan debt statistics show, the cost of attending college is becoming a growing burden for a huge portion of Americans.
What are you doing to pay off your debt and ensure you don't become another statistic? Be sure to let us know how we can help.
(Data via 2012 Newamerica.org study)
Save these statistics for yourself
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Interested in refinancing your student loans?Here are the top 6 lenders of 2020!
|Variable APR
|Average Savings
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.
Earnest Disclosures
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.20% APR (with Auto Pay) to 6.99% APR (with Auto Pay). Variable rate loan rates range from 1.99% APR (with Auto Pay) to 6.89% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 12/13/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on our student loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for SoFi.
SoFi Disclosures
3 Important Disclosures for Figure.
Figure Disclosures
Figure's Student Refinance Loan is a private loan. If you refinance federal loans, you forfeit certain flexible repayment options associated with those loans. If you expect to incur financial hardship that would impact your ability to repay, you should consider federal consolidation alternatives.
4 Important Disclosures for College Ave.
College Ave Disclosures
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
1College Ave Refi Education loans are not currently available to residents of Maine.
2All rates shown include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
3$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.
4This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate ("APR"): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 1/1/2020. Variable interest rates may increase after consummation.
5 Important Disclosures for Laurel Road.
Laurel Road Disclosures
Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association.
There are no origination fees or prepayment penalties associated with the loan. Lender may assess a late fee if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
For bachelor's degrees and higher, up to 100% of outstanding private and federal student loans (minimum $5,000) are eligible for refinancing. If you are refinancing greater than $300,000 in student loan debt, Lender may refinance the loans into 2 or more new loans.
Borrower, and Co-signer if applicable, must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between "Resident Since" date and "Card Expires" date or has no expiration date); state that they are of at least borrowing age in the state of residence at the time of application; and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).
Graduates may refinance any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. Any federal loans refinanced with Lender are private loans and do not have the same repayment options that federal loan program offers such as Income Based Repayment or Income Contingent Repayment.
All loans must be in grace or repayment status and cannot be in default. Borrower must have graduated or be enrolled in good standing in the final term preceding graduation from an accredited Title IV U.S. school and must be employed, or have an eligible offer of employment. Parents looking to refinance loans taken out on behalf of a child should refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for applicable terms and conditions.
For Associates Degrees: Only associates degrees earned in one of the following are eligible for refinancing: Cardiovascular Technologist (CVT); Dental Hygiene; Diagnostic Medical Sonography; EMT/Paramedics; Nuclear Technician; Nursing; Occupational Therapy Assistant; Pharmacy Technician; Physical Therapy Assistant; Radiation Therapy; Radiologic/MRI Technologist; Respiratory Therapy; or Surgical Technologist. To refinance an Associates degree, a borrower must also either be currently enrolled and in the final term of an associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive an eligible associate degree OR have graduated from a school that is Title IV eligible with an eligible associate and have been employed, for a minimum of 12 months, in the same field of study of the associate degree earned.
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
The repayment of any refinanced student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower's economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower's graduation with an eligible degree), if the borrower is an eligible student in the borrower's final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Lender agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Lender has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
This information is current as of November 8, 2019 and is subject to change.
6 Important Disclosures for Splash Financial.
Splash Financial Disclosures
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers.
7 Important Disclosures for CommonBond.
CommonBond Disclosures
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 1.76% effective November 10, 2019.
8 Important Disclosures for LendKey.
LendKey Disclosures
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of 5 years and is reserved for applicants with FICO scores of at least 810.
As of 12/019/2019 student loan refinancing rates range from 1.90% to 8.59% Variable APR with AutoPay and 3.49% to 7.75% Fixed APR with AutoPay.
|1.99% – 6.89%1
|Undergrad & Graduate
|2.31% – 7.36%2
|Undergrad & Graduate
|2.06% – 6.81%3
|Undergrad & Graduate
|2.62% – 6.12%4
|Undergrad & Graduate
|2.29% – 6.65%5
|Undergrad & Graduate
|1.99% – 7.06%6
|Undergrad & Graduate
|1.81% – 6.29%7
|Undergrad & Graduate
|1.90% – 8.59%8
|Undergrad & Graduate


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House Dating
More from Gwen about investigating houses.
If you have a pre-World War II home and you're not sure when it was built, knowing some history can help you date it.
There've been a lot of revivals, especially of colonial and Victorian era designs. And Americans have always loved changing their houses, seeking to make each one more distinctive.
The generic term for late nineteenth century houses is Victorian, and the predominant characteristic is surface ornament, lots of it. So if your house has a lively, or busy façade, it could have been built in the 1880s.
By the 1890s, simplicity was becoming fashionable. There's just one kind of shingles here, and they're all plain. They were mass-produced to look handmade, so if your house has shingles like these, it could have been built at the turn of the 20th century.
Uniformity is sometimes hard to see at first. Look around your house- if others on the block are pretty much the same size and shape, but they suggest a variety of far away, romantic times and places, like the Spanish colonies, a French village, yours and theirs were probably built in the 1920s.
A similar approach to architectural design was used in the vast expansion of suburbia after World War II.
So if you live in the suburbs and your house has simple geometries, some exposed structure, and large plate-glass windows, it was probably built in the 1950s.
To determine the age of a house built in the last 50 years, look at local property records, which provide the date of construction and major renovations.
Whatever methods you choose, you'll get a deeper appreciation of your home by learning more about its history.


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MIAMI — Tropical Storm Sean has strengthened slightly and eventually could bring dangerous surf and rip currents to Bermuda and the U.S.
The U.S. National Hurricane Center in Miami said Wednesday that Sean's maximum sustained winds are 50 mph (85 kph). It is located about 450 miles (730 km) southwest of Bermuda and is moving west at 3 mph (6 kph). The storm is expected to make a gradual turn toward the north, followed by a turn to the northeast and an increase in speed. Swells generated by Sean are expected to affect parts of the southeastern coast of the U.S. and Bermuda during the next few days.
A tropical storm warning is in effect for Bermuda.
The Atlantic hurricane season lasts from June to the end of November.
Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Cardamom Curried Cauliflower and Lentils
Cardamom is my favorite spice of all time. It is equally at home in curry as it is in a coffee cake. But ground cardamom is not always of the highest quality. If you have the choice, buy whole cardamom pods, either green or black. To use, open the outer hull, remove the seeds and crush them in a mortar coffee mill.
1 tablespoon coconut oil, ghee, or butter
4 large cardamom pods, seeded and crushed
½ teaspoon cumin seeds
½ cinnamon stick
3 scallions, chopped
3 cloves garlic
1 teaspoon garam masala
½ head of cauliflower, separated into small flowerets (about 2 cups)
1 cup lentils
4 cups vegetable broth or water
1 can chickpeas, with liquid
1 teaspoon unrefined salt – try Moroccan, Arabian Fleur de Sel, Kala Namak, or a salt infused with curry or cardamom
1 cup paneer or plain yogurt
- In a large saucepan, heat coconut oil. Add cardamom, cumin and cinnamon, and toast until fragrant, about 1 minute. Reduce heat, add scallions, garlic and cook until tender. Stir in garam masala.
- Add the cauliflower and cook 3-5 minutes stirring to coat with spices. Add lentils, broth and cook over medium heat, stirring occasionally, until tender, about 30 minutes. Add chickpeas and their liquid, and cook until warmed through. Season with more salt as needed.
- Fish out the cinnamon stick and serve over rice, topped another pinch of salt, a dollop of paneer or yogurt, and a side of cucumber pickles or raita.


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Munay Halloween Classic Tournament
We were happy to receive many requests for registering for our annual tournament this year. Unfortunately, there has been and will continue to be heavy construction going on at our 2 main sites (OHS and AMD). For this reason, the tournament committee has decided to cancel the Halloween Classic due to construction.
We hope that you will consider joining us next year for the Munay Halloween Classic! Good luck with the remainder of the fall season!


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The following are photos collected to illustrate Sam's research intotheBigfoot Phenomenom.Those of us that knew Sam are familiar with his sighting,which will no doubt go down as a classic encounter for those who will re-tell his story.
Chestnut Ridge
F. Investigator Bob France on
Chestnut Ridge in 1994 tangling
with 2 rattlers one 42 In. the other
48 Inches long.
Sam Sherry stands on the spot
where he first viewed the creature
in Sleepy Hollow along the
Loyalhanna creek.
Sam Sherry and Bill Brann in
April 1995.
Ohio Bigfoot investigatorDon Keating with Sam in1995,watch for Don & Joedy Cookin a future episode of Monsterquest filmed in 2008.
Looking over maps of Chestnut
Ridge are,Dr. Paul Johnson,Bill
Brann and Richard Myers.
Group Photo taken by
Niomi Sherry
My last look at
Chestnut Ridge
The beautiful landscape of
Westmoreland county
To open a photo,please click on it,then you may have to click again


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Since 1969, when the first bit of data was transmitted over what would come to be known as the Internet, that global network has evolved from linking mainframe computers to connecting personal computers and now mobile devices. By 2010, the number of computers on the Internet had surpassed the number of people on earth.
Yet that impressive growth is about to be overshadowed as the things around us start going online as well, part of what is called "the Internet of Things." Thanks to advances in circuits and software, it is now possible to make a Web server that fits on (or in) a fingertip for $1. When embedded in everyday objects, these small computers can send and receive information via the Internet so that a coffeemaker can turn on when a person gets out of bed and turn off when a cup is loaded into a dishwasher, a stoplight can communicate with roads to route cars around traffic, a building can operate more efficiently by knowing where people are and what they're doing, and even the health of the whole planet can be monitored in real time by aggregating the data from all such devices.
Linking the digital and physical worlds in these ways will have profound implications for both. But this future won't be realized unless the Internet of Things learns from the history of the Internet. The open standards and decentralized design of the Internet won out over competing proprietary systems and centralized control by offering fewer obstacles to innovation and growth. This battle has resurfaced with the proliferation of conflicting visions of how devices should communicate. The challenge is primarily organizational, rather then technological, a contest between command-and-control technology and distributed solutions. The Internet of Things demands the latter, and openness will eventually triumph.
The Internet of Things is not just science fiction; it has already arrived. Some of the things currently networked together send data over the public Internet, and some communicate over secure
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A dollop of natural moisture and sweet slumber is in every drop of this lotion. Lovingly made with the aromas of Lavender and Vanilla, it can help to relax your babe, while the Shea Butter softens baby's oh-so delicate skin. Making every night a true dream.
Lavender and Vanilla aroma helps lull baby to relax
Softens skin, with Shea Butter
Moisturizes naturally
No phthalates, parabens, petrolatum, or SLS
Pediatrician-tested and hypo-allergenic
Safe, effective and natural
Shea Butter (Butyrospermum parkii) - A natural fat, Shea Butter comes from the fruit of the Karite tree. Moisture-rich and oh-so nourishing, it leaves your skin feeling soft and super supple. Helping reduce the appearance of fine lines and wrinkles and making a great anti-aging treatment that can help improve your skin's elasticity. Hard work really does pay off.


text: Student confidence, creativity and collaboration are heightened through the Hot Spots curriculum experience. Academically aligned activities and a comfortable learning environment promote student exploration. The learning concepts are "snuck" into the instruction, enriching students' minds. Hot Spots experiences ignite the 21st century mind by encouraging communication, innovation and collaboration between students.


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Your Wine Profile
Your personalized wine profile
Gain a better understanding of your wine preferences
Everyone's palate and wine preferences are different. And with so many wines to choose from, how do you decide what's best for you?
Schedule an appointment with one of our expert sommeliers to have your personalized wine profile done. Think of it as the "make-up counter experience" or "golf club fitting", but with wine. We will lead you through a tasting of 8 different wines to help you deconstruct your tastes. Afterward, you will have a greater understanding of why you like certain wines over others and the specific characteristics to look for when making selections on your own.
The cost of your wine profile is $50 and should take approximately 45 minutes to an hour.
Whether you are a novice or expert, or somewhere in between, your Wine Profile will give you the tools you need to select the best wine for you in any given circumstance.
To book your Wine Profile, please email firstname.lastname@example.com
OR give us a call at 704-625-1328 with any questions.


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Experience the beautiful Isle of Wight
The Isle of Wight is a perfect summer destination just off the south coast of England, surrounded by crystal clear water and sandy beaches. The island benefits from being in the sunniest stretch of the UK, with an average of over 5 hours of sunshine a day in the summer season. It's not just beautiful beaches and warm waters, though - the Isle of Wight has a thriving tourism industry, with countless attractions, including a zoo, theme park, castle and picturesque villages.
If you're looking for an adventure, look no further - you'll find everything from round the island cycling routes to clifftop hiking trails, SUP boarding and sailing tours, sand yachting, windsurfing and kayaking lessons, mountain bike trails and even Segway racetracks!
What should I know about the Isle of Wight?
How do I get to the Isle of Wight?
There are no direct, commercial flights to the Isle of Wight, so a ferry is the only option for travelling to the island. However, there's an airport in Southampton and a train/bus link directly to the ferry terminal (every 30 mins), so you can fly to the Isle of Wight if you're happy to finish the trip on public transport.
The ferry trip is across the Solent, which is a very calm stretch of waters. If you have a sensitive stomach and want to avoid any hint of seasickness, you can go by FastCat, the Portsmouth to Ryde catamaran, which is the most stable route and takes just 22 minutes.
Book your ferry through Aria Resorts and you can save up to 50%.
How big is the Isle of Wight?
The Isle of Wight is 150sq mi - it's about the same size as Birmingham or everything inside Zone 3 in London. You can travel from one end to the other in about 45 minutes, and if you're based in the centre, such as at The Lakes Rookley, nowhere is more than half an hour away.
Despite the small size of the island, there are plenty of attractions. The long coastline, with a 67 mile coastal path, also means you can always find a quiet place to get away from it all. The Bay Colwell is a perfect coastal destination, with a beach just a short walk away.
The small size of the island means that it's great for cycling, though there are some steep hills in the centre and the sloping coastal road can be a challenge in parts!
Staying on the Isle of Wight?
If you're interested in visiting attractions, they're very spread out, with The Needles in the far west, the Isle of Wight Zoo in the far east and Carisbrooke Castle in the centre. It's best to find a central location that's well-connected to the road network, and we think that The Lakes Rookley is perfect, with lakeside accommodation and family activities in the holidays.
Want to get away from it all? The far west of the island is a peaceful corner, with fewer tourists and some lovely sandy beaches. The Bay Colwell has newly-refurbished luxury hot tub cottages just a short walk from the sea, perfect for a real escape.
Can I take my pet to the Isle of Wight?
The Isle of Wight is a perfect destination for animal lovers, whether you want to go horse-riding, visit the zoo or bring your dog along for a walk. Your dogs can even travel for free on Wightlink ferries, and you won't need to book ahead.
There are some great dog-friendly beaches or you could stay on the beaten track. With over 500 miles of footpath, you'll never run out of places to explore!
If you're looking for dog-friendly accommodation, look no further as all our sites offer pet-friendly options. At The Lakes Rookley and The Bay Colwell, you can even stay in a luxury hot tub cottage and bring the pet along, too!
What Aria Resorts has to offer...
The Lakes Rookley, Isle of Wight
Single-storey stylish open plan living overlooking the lakeside with bi-folding doors onto a deck and a lawn and driveway that wraps around the property. The modern kitchen and family shower room complement stunning furnishings and fittings. Master bedroom with ensuite wet room and a twin room (double by arrangement) at the rear of the property.
The Lakes Rookley
Isle of Wight
This beautiful lakeside resort is perfectly located at the heart of the Isle of Wight, with hot tub cottages, lodges and caravans surrounded by rolling countryside. Just a short drive from the beach and the many island attractions, Rookley has two swimming pools, a bar/restaurant, entertainment and family activities.
The Lakes Rookley, Isle of Wight
A brand-new entertainment programme for 2019 brings upscale entertainment for the whole family to the main stage at The Lakes Rookley.


text: At GroundSmart Rubber mulch we aim to exceed today's playground safety standards and guidelines. That is why we take great pride in being IPEMA certified. Discover ideas about Playground Rubber Mulch. Rubber Mulch for Playgrounds used as a Playground Safety Surface provides of Fall Height Protection at a . . "Rubber Mulch" on Pinterest. See more … "Groundsmart Rubber Mulch"


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Knowledge Center
We are committed to fostering industry knowledge by sharing resources and what we've learned along the way.
Project Profiles
We help our clients solve some of the most pressing industry challenges. Explore our process for verifying an innovative design concept, see how we build a risk framework and discover solutions to improve the safety, reliability
Our live webinar sessions cover important issues and information related to safety, asset reliability, compliance and risk management. Register to gain expert knowledge of the latest international standards, regulations and other key factors impacting your business decisions.
We share insights based on practical experiences learned in the field, and many of our leaders are at the forefront of writing industry guidelines and advising on new regulations. Explore our articles, white papers and technical presentations to learn more.


text: I seriously had a blast filming this pig-themed 1st birthday party for the sweetest little girl. The details of this party were amazing, and Jess from Positively Oakes did such a great job planning it and putting it together. Don't we all wish we could do a cake smash right along with little Blake?!


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The buyers at Julio's liquors have assembled one of the largest and most diverse spirits collection in all of New England. We stock everything from single malt scotches, to Italian digestivos. While our spirits selection is huge we can not carry everything, so we specialize in special orders. In fact, our motto is, "if it is available to us, it is available to you."
How big is our liquor selection?
- Over 130 types of vodka
- A whole aisle devoted to rum – over 100!
- 150 single malt scotches
- One of the biggest tequila selections in New England (90 choices)
- Our bourbon selection contains over 70 brands
The team at Julio's is passionate about the spirits we sell. Many of us take vacations around trade shows so we can keep up with new brands and find importers to bring in liquors our customers are seeking. In fact, several of us make a pilgrimage in early fall to Kentucky to buy specially selected barrels of bourbon only available at Julio's. Here at Julio's we strive to keep current with the rapidly changing liquor trends. So, not only will you find many of your old favorites, but new tastes as well. Everyone at Julio's is proud that we offer such a wide and eclectic selection of fine spirits to our customers, so please feel free to call or stop in any time with questions you have. Remember, we are a resource for you.


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Kalyn's Kitchen Picks: Red Boat Fish Sauce (and Ten Favorite Recipes Using Fish Sauce)
|Red Boat Fish Sauce is amazingly smooth and flavorful!
Other Bloggers Who Recommend Red Boat:
Gastronomy Blog picks Red Boat Fish Sauce.
Nom Nom Paleo loves Red Boat Fish Sauce.
Paleo Cupboard picks Red Boat Fish Sauce as a favorite Paleo Product.
The Ravenous Couple loves Red Boat Fish Sauce.
Viet World Kitchen Picks Red Boat as one of her choices for premium fish sauce.
Ten Favorite Recipes Using Fish Sauce:
Blogger Disclosures:


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Kuro Sumi tattoo ink is one of the most popular tattoo inks on the market among black and grey artists. The top secret formulas for Kuro Sumi tattoo inks have descended from centuries of Japanese tattoo artists.
When it comes to their individual tattoo inks, Kuro Sumi's contain purely organic elements, are made from the highest quality ingredients and provide excellent results.
Killer Ink Tattoo offers two types of Kuro Sumi tattoo ink: Kuro Sumi Glow and Kuro Sumi Black and Greywash. The Kuro Sumi Glow range comprises all of the colour tattoo inks, while we also stock tattoo inks for outlining and shading.
Kuro Sumi Glow tattoo inks are sensitive to black light and contain some of the brightest UV ink available. Kuro Sumi tattoo inks are known for their quality, and the Glow range is no exception!
We stock individual and sets of Kuro Sumi outlining and shading tattoo inks, available in either 180ml (6oz) or 360ml (12oz) bottles.


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Profile Information
I'm an experienced and ambitious web designer/developer working with web Design Company. I create websites for big and small businesses using the latest technology to help my clients pursue their goals. I like to build websites that are content-rich, yet clean, intuitive, and functional. I have a love for creativity and enjoy experimenting with various techniques in both print and web. My cutting edge expertise in Graphic design, Web design & development, Microsites, Landing pages, Personal webpages, Newsletters, Emailers, Logo Creations, Posters, Web banners, Web animations, WEB 2.0 style design.
|Full Name
|Nick Morgan
|Display Name
|Job Title
|Sr. Web Designer
|Web Design India
|Favorite Thing About SEO
|Google Analytics
|Favorite Topics
|Content Marketing, Design, Link Building, Moz News, Social Media


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This Doctor Who Comic Creator App Is Great For Everything Except Productivity
It's been a whole four years since Doctor Who's Amy and Rory met their end at the hands of killer statuary in "The Angels Take Manhattan" and we're still wishing we could travel back in time and somehow avert the whole tragedy—even if the Doctor couldn't. But the Doctor didn't have the BBC's Doctor Who: Comic Creator, an app that takes the storytelling power out of the hands of Who's companion-killing showrunner Steven Moffat and gives it to fans.
The free app, available on both iTunes and Android, lets users create their own comic starring classic Who characters that include a selection of companions, bad guys, and several different Doctors. The app also comes with "A Stitch In Time"—a ready-made Who comic in which Clara and the Doctor confront a new enemy. New extras will become available to buy on a monthly basis. Warning: it's a bit addictive.
Choose a layout and background and build your own story by adding speech bubble dialogue, sound effects, props, and a TARDIS or two. There's only one TARDIS, you say? Not in our comic. The best part is the app's Monster Maker, which lets you top the body of a Dalek with the head of a Cyberman or Judoon. Or maybe the best part is that you can make the Twelfth Doctor say the Tenth Doctor's catchphrase or make Amy Pond as immortal as Me.
When you've finished your Who masterpiece, share it, read it for yourself using the app's reader feature, or send screencaps of it to Chris Chibnall in an attempt to land a writing gig on the show's 11th season.