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|Related Documents
|Translated versions
|ESMA finds room for improvement in national supervision of investment advice to retail clients
|MiFID - Investor Protection, Press Releases, Supervisory convergence
|Press Release
|ESMA not to exempt ETD under MiFID II
|Press Releases, MiFID - Secondary Markets
|Press Release
|ESMA maintains market risk indicator at highest level
|Press Releases, Risk Analysis & Economics - Markets Infrastructure Investors
|Press Release
|Press Release Cross Selling Guidelines
|MiFID - Investor Protection
|Press Release
The European Securities and Markets Authority (ESMA) has published its Guidelines on Cross-Selling Practices under MiFID II (guidelines) to ensure investors are treated fairly when an investment firm offers two or more financial products or services as part of a package.
The guidelines include principles on:
The European Supervisory Authorities (ESAs) – EBA, EIOPA and ESMA - initially intended to issue joint guidelines covering all cross-selling practices taking place in the banking, insurance and securities sectors given that cross-selling is often cross-sectoral, and had consulted the stakeholders previously on this basis.
However, in light of legal concerns, the ESAs decided not to issue joint guidelines on cross-selling practices but agreed that ESMA should issue ESMA-only guidelines under MiFID II in order to meet its 3 January 2016 deadline.
While ESMA's guidelines take into account the results of the ESAs' joint consultation, the final report focuses on the feedback regarding cross-selling practices under MIFID II. Further, the guidelines are addressed to national regulators supervising the firms which provide MiFID services, when they engage in cross-selling practices.
The ESAs intend to inform the European Commission about the issues encountered and raise the possibility of legislative change to provide a foundation for future joint guidelines.
The guidelines will apply from 3 January 2017.
|2015-ESMA-1464 Annex I
|2015-ESMA-1464 Annex I- draft RTS and ITS on MiFID II and MiFIR
|MiFID - Secondary Markets
|Technical Standards
|Final Report- draft RTS and ITS on MIFID II and MiFIR
|MiFID - Secondary Markets
|Technical Standards
|ESMA raises its market risk indicator to highest level
|Risk Analysis & Economics - Markets Infrastructure Investors, Press Releases
|Press Release
|Guidelines compliance table- Guidelines on the application of definitions C6 and C7 under MiFID I
|MiFID - Secondary Markets
|Compliance table
|Final Report on MiFID II-MiFIR draft technical standards on authorisation, passporting, registration of third country firms and cooperation between competent authorities
|MiFID - Investor Protection
|Technical Standards
|ESAs- main risks to EU financial market stability have intensified
|Risk Analysis & Economics - Markets Infrastructure Investors, Press Releases, Joint Committee
|Press Release
|The Joint Committee of the European Supervisory Authorities (ESAs) published its fifth Report on Risks and Vulnerabilities in the EU Financial System. Overall, the report found that in the past six months, risks affecting the EU financial system have not changed in substance, but have further intensified. The EU's economic performance improved slightly in early 2015, however the financial sector in general continues to be affected by a combination of factors such as low investment demand, economic uncertainty in the Eurozone and its neighbouring countries, a global economic slow-down and a low-interest rate environment. The main risks affecting the financial system remain broadly unchanged from those identified in the report's previous edition, but have become more entrenched. The major risks include: • Low growth, low inflation, volatile asset prices and their consequences for financial entities; • Search for yield behaviour exacerbated by potential rebounds; • Deterioration in the conduct of business; and • Increased concern about IT risks and cyber-attacks. Despite these risks, a number of ongoing policy and regulatory initiatives are contributing to improving the stability and confidence in the financial system as well as facilitating additional funding channels to the real economy. These include ongoing regulatory reforms in the securities, banking and insurance sectors such as the Markets in Financial Instruments Directive (MiFID II) and Regulation (MiFIR), the work on the implementation of the Capital Requirements Directive and Regulation (CRDIV/CRR), the work on the Bank Recovery and Resolution Directive (BRRD), the Deposit-Guarantee Schemes Directive (DGS) and the Solvency II Directive, as well as the European Commission's plan for a Capital Markets Union (CMU). Steven Maijoor, Chair of the European Securities and Markets Authority (ESMA) and the current Chairman of the Joint Committee, said: "The Joint Committee has noted some improvement in overall market conditions; however, the recovery is not yet sustained and is exposed to risks related to broad macroeconomic conditions, in particular the low interest environment and resulting search-for-yield behaviour. Additionally regulators continue to have concerns about the operational risks generated by some financial institutions' inappropriate business conduct, as well as those risks posed by inadequate management of IT risks. "However, recent regulatory initiatives across the banking, insurance and securities sectors, such as the Comprehensive Assessment, the insurance sector stress test and Solvency II along with, the ongoing MiFID, EMIR and PRIPS reforms are contributing to improving the stability and confidence in the EU financial system." Key Risks Identified The identified risks in the Report can be divided into macro risks to the EU financial system and economy and operational risks. Macro Risks The key macro risks identified relate to: 1. Risks from weak economic growth and low inflation environment, which include: • Adverse effect that low interest rates and uncertainties about the economic recovery have had on the outlook for the financial industry; • Higher valuation and market liquidity risk has raised concerns about the outlook for financial entities' stability in the event of reversals in interest rates and asset prices; 2. Low profitability is motivating financial institutions and other investors to search for yield, which requires increased supervisory attention to the viability of business models, related restructuring activity and adequate management of risks. However, the promotion of sound and innovative business models for market-based funding structures could help to deliver additional stimulus; and 3. Some continued doubts on the comparability and consistency of banks' calculations of risk weighted assets. Operational Risks The key operational risks relate to: 4. Business conduct risk remains a key concern with the Report recommending that supervisors should include misconduct costs in future stress tests where appropriate, while financial institutions should strengthening product oversight and governance frameworks. Further improvements in the regulatory framework and supervisory practices to address conduct risks are also warranted. In addition, further progress needs to be made on benchmark reforms where continuity and integrity remain a source of concern even if key panels remained stable; and 5. IT operational risk and cyber risk remain of great concern and pose challenges to the the safety and integrity of financial institutions. IT risk increased due to costs pressures, outsourcing, the need for additional capacities and a mounting number of cyber-attacks. The adequate integration of IT risk into overall risk management is a key policy for mitigation.
|Press release- ESMA launches centralised data projects for MiFIR and EMIR
|MiFID - Secondary Markets, Press Releases
|Press Release
|Press release- ESMA sees continued tense securities market conditions
|Risk Analysis & Economics - Markets Infrastructure Investors, Press Releases
|Press Release
|ESMA publishes review on best execution supervisory practices under MiFID
|MiFID - Investor Protection, Press Releases, Supervisory convergence
|Press Release
|The European Securities and Markets Authority (ESMA) has conducted a peer review on how national regulators (national competent authorities or NCAs) supervise and enforce the MiFID provisions relating to investment firms' obligation to provide best execution, or obtain the best possible result, for their clients when executing their orders. ESMA found that the level of implementation of best execution provisions, as well as the level of convergence of supervisory practices by NCAs, is relatively low. In order to address this situation a number of improvements were identified, including: . prioritisation of best execution as a key conduct of business supervisory issue; . the allocation of sufficient resources to best execution supervision; and . a more proactive supervisory approach to monitoring compliance with best execution requirements, both desk-based and onsite inspections. The review was conducted on the basis of information provided by 29 NCAs and complemented by on-site visits to the NCAs of France, Liechtenstein, Luxembourg, Malta, Poland and Spain.
|ESMA provides implementing rules for MiFID II
|MiFID - Investor Protection, Press Releases, MiFID - Secondary Markets
|Press Release
|The European Securities and Markets Authority (ESMA) has published today its final technical advice (TA) and launches a consultation on its draft regulatory technical and implementing standards (RTS/ ITS) regarding the implementation of the Markets in Financial Instruments Directive (MiFID II) and Regulation (MiFIR). Both ESMA's TA and draft RTS translate the MiFID II/MiFIR requirements into practically applicable rules for market participants and national supervisors. The new regulatory framework aims at ensuring that secondary markets are fair, transparent and safe and that investors' interests are safeguarded when being sold investment products. Steven Maijoor, ESMA Chair, said:"Today's implementing rules on both secondary markets and investor protection issues reflect ESMA's desire to achieve the best outcome for market users and investors, taking into account the extensive submissions received from our stakeholders. The advice now goes to the European Commission to use in preparation of its delegated legislation, while our technical standards are open for a second round of consultation. "Once fully implemented, MiFID II will have a significant impact on the EU's securities markets, its users and infrastructure providers. It will bring greater transparency and improve the overall functioning of markets thus strengthening investors' trust in the financial sector."MiFID II to include most financial instruments, trading venues and techniquesMiFID II/MiFIR introduces changes to the functioning of secondary markets, including transparency requirements for a broad range of asset classes; the obligation to trade derivatives on trading venues; requirements for algorithmic and high-frequency-trading and new supervisory tools for commodity derivatives. The key proposals stemming from ESMA's TA/draft RTS cover the following issues: • increased trade transparency, for non-equity instruments, in particular bonds, derivatives, structured finance products and emission allowances;• a trading obligation for shares and a double volume cap mechanism for shares and equity-like instruments, introducing a major change to the framework for trading these instruments in the Union;• an obligation to trade derivatives on MiFID venues (regulated markets, multilateral (MTFs) or organised trading facilities (OTFs)) only, in line with G20 requirements;• newly introduced position limits and reporting requirements for commodity derivatives;• rules governing high frequency trading, imposing a strict set of organisational requirements on investment firms and trading venues;• provisions regulating access to central counterparties (CCPs), trading venues and benchmarks, designed to increase competition in the Union; and• requirements for a consolidated tape of trading data, including rules for tape providers, reporting, publication and sales of data.MiFID II to improve investor protection ESMA's TA proposes that the Commission adopts a number of measures that will further the protection of investors across the EU. The main proposals relating to the improved protection of investors, especially retail, include:• clarifications about the circumstances in which portfolio managers can receive research from third parties;• clarifications under which circumstances inducements meet the quality enhancement requirement for the provision of advice;• requirements for investment firms manufacturing and/or distributing financial instruments and structured deposits to have product governance arrangements in place in order to assess the robustness of their manufacture and/or distribution;• requirements for firms to provide clients with details of all costs and charges related to their investment, including cost aggregations, the timing of disclosure (ex-ante and ex-post); information to non-retail clients; the scope of firms subject to this obligation; information on the cumulative effect of costs on the return; • organisational requirements for firms providing investments advice on an independent basis; and• specification of powers for ESMA and national regulators with regards to prohibiting or restricting the marketing and distribution of financial instruments. Next stepsThe TA has been finalised following extensive consultations with stakeholders and will now be sent to the European Commission. ESMA's draft RTS/ITS, already previously consulted upon, are open for public comment until 2 March 2015. In addition, an open hearing will be held in Paris on 19 February 2015. ESMA will use the input received from the consultations to finalise its draft RTS which will be sent for endorsement to the European Commission by mid-2015, its ITS by January 2016. MiFID II/ MiFIR and its implementing measures will be applicable from 3 January 2017.
|Final Report on draft Implementing Technical Standards on main indices and recognised exchanges under the Capital Requirements Regulation
|MiFID - Secondary Markets
|Technical Standards
|The European Securities and Markets Authority (ESMA) has developed draft Implementing Technical Standards specifying main indices and recognised exchanges as required under Paragraph 8 of Article 197 of Regulation (EU) 575/2013 (Capital Requirements Regulation). These have now been submitted to the European Commission submitted for endorsement of the draft ITS.It has 3 months to make this decision.
|Guidelines compliance table for Guidelines on remuneration policies and practices (MiFID)
|MiFID - Investor Protection
|Compliance table
|ESMA consults on MiFID reforms
|MiFID - Investor Protection, Press Releases, MiFID - Secondary Markets
|Press Release
|The European Securities and Markets Authority (ESMA) has launched the consultation process for the implementation of the revised Markets in Financial Instruments Directive (MiFID II) and Regulation (MiFIR). This is the first step in the process of translating the MiFID II/MiFIR requirements into practically applicable rules and regulations to address the effects of the financial crisis and to improve financial market transparency and strengthen investor protection.MiFID II/MiFIR introduces changes that will have a large impact on the EU's financial markets, these include transparency requirements for a broader range of asset classes; the obligation to trade derivatives on-exchange; requirements on algorithmic and high-frequency-trading and new supervisory tools for commodity derivatives. It will also strengthen protection for retail investors through limits on the use of commissions; conditions for the provision of independent investment advice; stricter organisational requirements for product design and distribution; product intervention powers; and the disclosure of costs and charges.MiFID II/MiFIR contains over 100 requirements for ESMA to draft Regulatory Technical Standards (RTS) and Implementing Technical Standards (ITS), and to provide Technical Advice to the European Commission to allow it to adopt delegated acts. In order to ensure that MIFID II achieves its objectives in practice, ESMA is publishing the following documents:1. Consultation Paper on MiFID/MiFIR Technical Advice – ESMA needs to deliver this advice to the European Commission by December 2014 and is therefore subject to a condensed consultation process for this paper; and2. Discussion Paper on MiFID/MiFIR draft RTS/ITS – this will provide the basis for a further consultation paper on the draft RTS/ITS which is expected to be issued in late 2014/early 2015. The closing date for responses to both papers is Friday 1 August. Steven Maijoor, ESMA Chair, said:"The launch of today's MiFID II/MiFIR consultation process is an important step in the biggest overhaul of financial markets regulation in the EU for a decade. The reform of MiFID is an integral part of the EU's strategy to address the effects of the financial crisis and aims to bring greater transparency to markets and to strengthen investor protection. These changes are key to restoring trust in our financial markets."We appreciate the magnitude of this exercise for stakeholders. We strongly encourage all those affected by these reforms to provide their views to ensure that we take them into account in our final proposals."The main issues covered in the Discussion and Consultation Paper are divided into those addressing the structure, transparency and regulation of financial markets, and those aimed at strengthening investor protection.Financial Markets Structure, Transparency and RegulationThe main proposals in this area cover the following issues: enhanced transparency and trading obligations - increasing pre- and post-trade transparency for many categories of instruments, e.g. shares, ETFs, certificates, bonds and derivatives, limitations to trade shares OTC and new obligations to trade derivatives on trading venues; micro-structural issues – refining the definition of high frequency trading and direct electronic access and specifying the requirements for operating in the market using algorithmic techniques; data publication and access – issues related to the development of the consolidated tape including requirements for tape providers, approved publication arrangements and reporting mechanisms, and the definition of a reasonable commercial basis for data sales; and the access to CCPs, trading venues and benchmarks; other organisational requirements for trading venues; and commodity derivatives – new regulatory tools, including position limits. Investor ProtectionThe main proposals relating to the improved protection of retail investors include technical advice on: inducements – new limitations on the receipt of commissions (inducements); independent advice – clearly distinguishing independent from non-independent advice; product governance – requirements on the manufacture and distribution of financial products including target market and risk identification; product intervention/banning - introducing powers for both ESMA and national regulators to prohibit or restrict the marketing and distribution of certain financial instruments; and improved information on costs and charges – requirements to provide clients with details of all charges related to their investment (relating to both the investment service and the financial instrument provided) so they can understand the overall cost and its effect on their investment's return. In addition, the draft regulatory technical standards in the investor protection area relate to the authorisation of investment firms, passporting, and certain best execution obligations.Next StepsESMA will hold three public hearings about secondary markets, investor protection and commodity derivatives issues on Monday 7 and Tuesday 8 July. Further details on the hearings will be published on ESMA's website. 2014/548 2014/549
|Compliance table- compliance guidelines
|MiFID - Investor Protection, Guidelines and Technical standards
|Compliance table
|Compliance table- suitability guidelines
|MiFID - Investor Protection, Guidelines and Technical standards
|Compliance table
|ESMA issues good practices for structured retail product governance
|MiFID - Investor Protection, Innovation and Products
|Press Release
|The European Securities and Markets Authority (ESMA) has published an opinion on structured retail products, setting out good practices for firms when manufacturing and distributing these products.


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Royal Highland Show attracts record-breaking number of visitors in its 177th year
A record breaking 190,000 visitors attended the four-day celebration of farming, food and rural life.
The Royal Highland Show, which has been supported by Royal Bank of Scotland since 1981, contributes an estimated £50m to the Scottish economy. Over £8m is estimated to have been spent on shopping at the event, which featured machinery, gardening equipment, clothing, food, art, crafts and homewares.
Organised by Royal Highland and Agricultural Society of Scotland (RHASS) and with agriculture at its core, the celebration of farming, food and rural life saw the highest entries of sheep for over a decade (2,000), as well as 1,100 cattle and a record breaking 408 heavy horse entries. It also hosted the Aberdeen Angus World Forum, which returned to the UK after 40 years.
Commenting on the success of the 177th Show, Chief Executive of RHASS Alan Laidlaw said: "This year's Show has been a huge success which is in no small part due to the support we receive from volunteers, exhibitors and the public. It has been an inspiring four days soaking up a great atmosphere and seeing everyone getting so much out of the experience."
Related articles
A record breaking 190,000 visitors attended the four-day celebration of farming, food and rural life.
Innovation as a key to success and farm safety amongst young people were some of the themes at this year's Balmoral Show.
Latest news
The event explored today's 'always on' world and the pressure Scots face as they struggle to balance life inside and outside of work.
Primary school children in Currie, Edinburgh put on their detective hats last week to learn more about fraud and scams thanks to the Royal Bank of Scotland MoneySense programme. Les Matheson, CEO of Personal Banking, tells us why it's so important to financially educate young people.
New card features are being rolled out from today with all cards having a notch and raised dots.
Useful downloads and information
Annual Results 2018
(PDF, size 441KB)
Annual Report and Accounts 2018 (PDF, size 4.5MB)
Modern Slavery Act (PDF 346KB)
FX Disclosure Notice, May 20, 2015 (PDF, size 15KB)
UK Money Market and Global FX Code
Managing Political Activities (PDF 303KB)

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Toxicity of Glycols and Allyl Alcohol Evaluated by Means of Co-cultures of Microcarrier attached Rat Hepatocytes and BALB/C 3T3 Mouse Fibroblasts
Jens-Uwe Voss
Reconstructed Human Epidermis In Vitro: An Alternative to Animal Testing
Maria Ponec
The Use of Long-term Hepatocyte Cultures for Detecting Induction of Drug Metabolising Enzymes: The Current Status
Sandra Coecke, Vera Rogiers, Martin Bayliss, José Castell, Johannes Doehmer, Gérard Fabre, Jeffrey Fry, Armin Kern and Carl Westmoreland
In this report, metabolically competent in vitro systems have been reviewed, in the context of drug metabolising enzyme induction. Based on the experience of the scientists involved, a thorough survey of the literature on metabolically competent long-term culture models was performed. Following this, a prevalidation proposal for the use of the collagen gel sandwich hepatocyte culture system for drug metabolising enzyme induction was designed, focusing on the induction of the cytochrome P450 enzymes as the principal enzymes of interest. The ultimate goal of this prevalidation proposal is to provide industry and academia with a metabolically competent in vitro alternative for long-term studies. In an initial phase, the prevalidation study will be limited to the investigation of induction. However, proposals for other long-term applications of these systems should be forwarded to the European Centre for the Validation of Alternative Methods for consideration. The prevalidation proposal deals with several issues, including: a) species; b) practical prevalidation methodology; c) enzyme inducers; and d) advantages of working with independent expert laboratories. Since it is preferable to include other alternative tests for drug metabolising enzyme induction, when such tests arise, it is recommended that they meet the same level of development as for the collagen gel sandwich long-term hepatocyte system. Those tests which do so should begin the prevalidation and validation process.
Three-dimensional Co-culture of Primary Human Liver Cells in Bioreactors for In Vitro Drug Studies: Effects of the Initial Cell Quality on the Long-term Maintenance of Hepatocyte-specific Functions
Katrin Zeilinger, Igor M. Sauer, Gesine Pless, Catrin Strobel, Jeannette Rudzitis, Aiguo Wang, Andres K. Nüssler, Alexander Grebe, Lei Mao, Stefan H.G. Auth, Juliane Unger, Peter Neuhaus and Jörg C. Gerlach
In vitro culture models that employ human liver cells could be potent tools for predictive studies on drug toxicity and metabolism in the pharmaceutical industry. A bioreactor culture model was developed that permits the three-dimensional co-culture of liver cells under continuous medium perfusion with decentralised mass exchange and integral oxygenation. We tested the ability of the system to support the long-term maintenance and differentiation of primary human liver cells. The effects of the initial cell quality were investigated by comparing cultures from resected, non-preserved liver with cultures from liver graft tissue damaged by long-term preservation. In cultures originating from non-preserved liver, protein and urea synthesis, glucose metabolism, and cytochrome (P450) activities were stable over the 2-week culture period, with maximal activities at the end of the first week in culture. Enzyme induction led to increased 7-ethoxyresorufin O-deethylase activities of up to 20 times the basal value. In cultures from preservation-damaged liver, recovery of metabolic activities was detected during bioreactor culture. After two weeks, most biochemical parameters approached those of cultures from non-preserved human liver. Light microscopy demonstrated the three-dimensional reorganisation of hepatocytes and non-parenchymal cells in co-culture. Long-term maintenance, and even the regeneration of specific functional activities of human liver cells, can be achieved in the bioreactor. This could facilitate the introduction into the pharmaceutical industry of in vitro drug testing with primary human liver cells.
The Response of a Co-culture Lung Model to Fine and Ultrafine Particles of Incinerator Fly Ash at the Air–liquid Interface
Silvia Diabaté, Sonja Mülhopt, Hanns-Rudolf Paur and Harald F. Krug
Elevated concentrations of particulate matter in the environmental atmosphere constitute a potential risk to human health. In vitro cell-based assays are therefore necessary to evaluate the toxicological potential of inhaled particulate emissions. In this study, the exposure of a co-culture cell model at the air–liquid interface was used to evaluate the dose-dependent biological effects of a test aerosol. The CULTEX ® system was used to expose human cells to an environmentally-relevant aerosol, generated from fly ash collected in a commercial municipal waste incinerator and resuspended in filtered air. Human bronchial epithelial cells, BEAS-2B, co-cultured with differentiated THP-1 macrophages growing on Transwell® inserts, were employed in the bioassay. Analyses of cell viability, interleukin-8 (IL-8) release, intracellular glutathione, and haeme oxygenase-1 enzyme expression were performed. Transportation of the cells and exposure to humidified filtered air or the test aerosol, at 100ml/min for 1 to 6 hours, were well tolerated by the cells and had no effect on their viability. Levels of IL-8 release and haeme oxygenase-1 expression were elevated by exposure to fly ash aerosol as a function of time, but not by exposure to clean air. For IL-8 release, a dose-dependent effect was demonstrated with the assumption that the deposited mass of the particles correlated with exposure time. Exposure to the test aerosol did not affect the intracellular glutathione concentration. This in vitro approach simulates particle deposition in the human lung more realistically than does submerged exposure, and it preserves the inherent properties of the particles. It shows promise for use to detect particulate emissions which are potentially detrimental to human health.


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Kanye West's Too-Tiny YEEZY Slippers At 2 Chainz's Wedding Inspire Jokes
By Mikelle Leow, 20 Aug 2018
Images via Featureflash Photo Agency / Shutterstock.com and YEEZY
There are two kinds of fashion no-nos that go without saying at a wedding: arriving in a wedding gown when you're not the bride, and turning up in socks and slippers.
Social media users had a kick out of seeing images of rapper Kanye West and his reality star wife, Kim Kardashian, at 2 Chainz's wedding. This time, however, it wasn't the Kardashian that stole the limelight, despite the fact that she was wearing a neon green dress.
What truly amused the internet was that West had arrived at the wedding in a sage green Louis Vuitton suit, no shirt… and velcroed YEEZY slides that were at least one size too small. To stay covered up, he paired the slippers with socks.
"Kanye West's slides… look like the same slides my Momma wears for ankle problems," tweeted user 'Somestupid_shit'.
"I had a friend who said you can tell a lot about a man by the shoes he's wearing," recalled 'dragonflyy1004'. "Tassels or leather slide on shoes means he's wealthy and takes care of himself. Never really bought into it until now."
Jokes aside, some deduced that the fashion faux pas was part of a business plan that West executed to get people talking about his brand's new slides.
"Say what you want, but he's a smart guy," said Twitter user Joe Dillard. "Now people are talking about his shoes… that he recently introduced, but I bet they wouldn't be if he wore the correct size."
There's the, "I just rolled out of bed look," and then there's Kanye West. Do you think this look could be the new Crocs?
Kanye in slides at 2 Chainz wedding, big goals. #YeezySeason #Ye pic.twitter.com/ID6VWMBBOJ— Britni (@BritniRosay) August 18, 2018
This is what the worst shoes of all time look like.. #Buffoon #KanyeWest #Horrendous #Yeezy @kanyewest pic.twitter.com/qRViRzSOtQ— GRACE VAN ESSEN (@gracevanessen) August 19, 2018
not gonna lie, @kanyewest's slides look comfy as fuck.— rodger (@rodgermaIik) August 19, 2018
Why Kanye slides made out of air mattresses? https://t.co/71IlVhDtut— krys (@MiLLkeSmooV) August 18, 2018
Kanye west wearing slides to a wedding is my mood all year 😂 pic.twitter.com/cymJkDCBna— george williams jr. (@george_4prez) August 19, 2018
Kanye got the "helping my mom wit groceries" slides on 😂— Gilbert Wobbleton (@andruuspaghetti) August 19, 2018
Kanye West slides he wore with Kim and that neon dress look like the same slides my momma wear for ankle problems 😒 I'm done wit him— Tyra 💸 (@Somestupid_shit) August 19, 2018
Leave Kanye!! they were late and he grabbed Kim's slides by mistake.— Nicole Wentzel (@nicole_wentzel2) August 18, 2018
No shirt, wrinkled suit and shower shoes with socks to a wedding??? WTF, I thought @KimKardashian and @kanyewest had money. Maybe not.— Denise Rickard (@rickard_denise) August 19, 2018
Therepudic shower shoes? Geriatric correctional flip flops? I really don't even know what these people do or have done to be semi-famous but they're trying real hard to be seen.— Bozo Texino (@TakesianSian) August 19, 2018
I had a friend who said you can tell a lot about a man by the shoes he's wearing. Tassels or leather slide on shoes means he's wealthy and takes care of himself. Never really bought into it until now #nope #KanyeWest #sockswithsandalstoawedding pic.twitter.com/Db0VGvokFW— Dragonflyy1004 (@dragonflyy1004) August 19, 2018
go ahead and wear slides a size smaller than your foot and have your heel touch the floor LMFAO Bye— yoya (@191ayoya) August 19, 2018
Headline: Kanye West attends 2 Chainz Wedding Wearing Slippers Too Small for His Feet.— Joe Dillard (@JoeDillrd) August 19, 2018
Say what you want, but he's a smart guy. Now people are talking about his shoes (Yeezy Slides) that he recently introduced, but I bet they wouldn't be if he wore the correct size. pic.twitter.com/3O4mH67j2F
[via Cosmopolitan, images via various sources]
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Category Archives: Chutney
Flame grilled coconut chutney
Coconut and tamarind chutney My grandmother was an expert in preparing tasty food from simple ingredients. Being the strong woman in a farmer's family she cooked for an army in those days. There were kids, my dominating grandfather and the … Continue reading
Posted in Chutney Tagged Coconut, coconut flesh, coconut pieces, flame grill, tamarind chutney, tangy chutney, vegetarian 5 Comments
Cranberry coconut chutney
Raw Cranberry is a super-fruit rich in vitamins, minerals and antioxidants. Autumn is its harvest season when the fruits turn deep red with a white flesh and a soft seed inside. The unexpectedness of this fruit has given me a … Continue reading
Posted in Chutney Tagged Cranberry chutney. coconut chutney, spicy chutney, vegetarian 2 Comments
Mint and coriander chutney
Chutney Green chutney has nothing mind boggling, it is just spicy hot on the tongue. It is a taste enhancer for many snacks like samosa, cutlet and spring rolls. This chutney can play its special role as a companion for … Continue reading
Posted in Chutney Tagged chutney, Coconut, coriander, garden fresh, Mint 2 Comments


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Brand trust is one of the most valuable intangible assets in business. But trust can be elusive, and brands must work hard to build and maintain it.
2019 was a turbulent year for some of the world's biggest and most successful brands. Across the financial and media sectors, consumer confidence hit a low point as data theft and misconduct of unthinkable levels occurred. So, how important is trust to your organisation?
Trust is intrinsically linked to the success of a business
An increase in trust leads to an increase in brand value, as well as greater ability to place a premium on products and services.
If your business has experienced a loss of trust or is looking to gain trust with new audiences, a promise that you'll do better or a claim you have the solution to a customer need may not be enough.
Using brand strategy to build trust
The new year is an important time for business to reflect on their current brand position, review their performance and set the direction for the year ahead.
There are many ways to build trust. For those looking to start the journey, here are three of the first—and perhaps most important—steps to take toward bridging the gap.
Define your 'why'
Most people know what their organisation does. And some people know their organisation's point of difference or unique selling proposition (USP), but many organisations don't really know why they do what they do. A clear sense of purpose enables you to focus your efforts on what matters most, compelling your business to take risks and push forward regardless of the obstacles.
Build trust from the inside out
Your greatest asset is your people. Creating a clear internal understanding of your brand values and culture will help your employees live and breathe them. The strongest brands exceed in customer service, are built on a culture of innovation, and have the happiest employees. This creates a strong foundation to radiate trust from the inside out.
Tell your story
Starting your story is harder than stopping. It takes a strategic approach to get started and discipline to continue telling it, but an emotive brand story can win the hearts and minds of your customers. In today's fast-paced, digitally-driven society, humanity is becoming the new premium. In this environment, businesses can no longer afford to be faceless entities. To survive, businesses need to connect with audiences, pull at their heartstrings, and engage with them on a much deeper and more creative level than seen before. This is where your brand story can make the difference.
If the goal of your business in 2020 is to drive sustainable, profitable growth, we'd like to help you achieve it – give us a call, we'd love to help.
We work with businesses big and small to create brands that not only look great but tell engaging stories that are relevant to customers.
The Brand Pool is Newcastle's leading strategic branding specialists.


text:
Country Pet Puppy Duck
By Country Pet - [ Back to shop ]
This dog toy by Country Pet is a perfect toy for a young puppy or small dog as it is super soft as well as being an ideal size for small mouths.
Any questions? Please feel free to contact us.


text:
Liza is a senior editor at PLOS Biology and writes frequently about conservation, ecology and environmental health for other media outlets.
Should Chimpanzees Have Moral Standing? An Interview with Frans de Waal
Posted March 27, 2012 by
Whether from hubris or insecurity, humans like to view our species as the crown of creation, beings beyond compare in the animal kingdom, as if our advanced cognitive and behavioral skills appeared de novo with


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Image of 2 people standing facing the camera. Boy is wearing a fez, the man is wearing a cloth hat.
Man and a young man
Archive Unit
- For more information, email the repository
- Advice on accessing these materials
- Cite this description
- Bookmark:https://archiveshub.jisc.ac.uk/data/gb3431-jg/jg/hit/z/44
- This material is held at
- ReferenceGB 3431 JG/HIT/Z/44
- Former ReferenceGB 3431 Misc G7GB 3431 MISC/G/7
- Dates of Creation[1907-1911]
- Physical Description1 silver gelatine dry plate glass negative (120mm x 90mm)
- Digital Content
Scope and Content
Formerly stored in JG/X/9/8.
Formerly numbered MISC/G/7. Transferred to the HIT collection in November 2015.
Physical Characteristics and/or Technical Requirements
Negative has emulsion bubbling and flaking off the sides. Also some dark spots and scratching on the image.
Conditions Governing Use
The digital image is copyright of the University of Liverpool.


text:
HCA 13/72 f.100r Annotate
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tackle apparell and furniture worth to bee sould fower hundred
pounds sterling and upwards And that in case shee had returned
out of the Indies tymely enough to have finished her returne back to
London within eighteene moneths from the tyme of her setting out from
Gravesend as shee might very well have done if the sayd Master had
not wilfully stayed tradeing up and downe in the Indies as hee did contrary
to the good will and likeing of this deponent and the whole Company of the shipp and
contrary to what hee pretended to doe when hee shipped them to goe the
sayd voyage shee and her tackle and furniture would at her returne have yeilded at London
fower hundred pounds sterling and better And further to this
article hee cannot depose/.
To the 16th and the Charterparty therein mentioned hee saith hee cannot
depose not being present at the signeing sealing and delivery of the sayd
To the 17th and 18th hee cannot depose saving his foregoeing deposition
To the 19th hee saith hee referreth him selfe to his foregoeing deposition
and to the lawe And further hee cannot depose/
To the 20th hee saith that the arlate Page Canham and Thompson are
persons well knowne by this deponent and hee beleeveth them to bee subiects
of this Commonwealth and subiect to the authority of this Court and
urther hee cannot depose/
To the last hee saith that his foregoeing deposition is true/
To the Interrogatories [CENTRE HEADING]
To the first Interrogatorie hee saith hee cometh to bee a wittnesse in this
cause by the procurement of the producents Paige and Ely And to
the rest of the Interrogatorie hee answereth negatively/
To the second hee saith hee was Masters Cheefe Mate of the Golden Cock
the voyage in question and came first aboard her in the River
of Thames neere debtford in the moneth of November 1654 where shee
tooke in most of her provisions for the sayd voyage and sayled in her
to Loratavo and thense to Bantam and thense to Pullam Bam and back
thense to Bantam and thense to Qualla and soe to Jambee and thense back
To Qualla where shee perished in manner aforesayd And further
saving his foregoeing deposition hee cannot more fully answere
to this Interrogatorie/
To the 3 Interrogatorie hee saith that after her arrivall at Pullam Bam and before
shee tooke in the pepper there, there was a Palatine layed in the sayd
shipp for the better keeping dry of the pepper that was there to bee laden
and some stanyions for the better supporting of her beames and deck
in case of any stresse of weather the charge whereof was defrayed by
the sayd Chappell the Master but what it accounted to hee knoweth not
and saith that the sayd shipp having in her voyage from Bantam to
Pullam Bam lost an Anchor and part of a Cable which was
somewhat worne and decayed the Master at her returne to Bantam
was forced to buy and did buy an Anchor and Cable instead thereof of
one Captaine Michaell dibbs Commander of the shipp Employment of London
but what the same cost hee knoweth not And saith that at Jambee the


text:
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Acupuncture & Acupressure
Center For Acupuncture
She is a diplomate, National Certification Commission for Acupuncture, member of the National Sports Acupuncture Association and is National Acupuncture Detox Association certified. Deeply involved in women's health care for over three decades, Phyllis was co-founder of the Portland Birth Center. She
California › Riverside County › Riverside (10.7 miles)
Om Acupuncture Medical Clinic
Using the latest diagnostic technology, we're able to gather the information that enables the practitioner to detect specific imbalances of Qi (pronounced chee) that may have contributed to a person's health problems and then form a well-structured plan to treat your ailments, delivering immediate relief.
California › Riverside County › Riverside (10.7 miles)
Johnson, Ms. Patty, LAc
We provide relaxation delivered right to you office team! We're available from 9am to 9pm Monday through Saturday. Give your office the unique gift of relaxation that your hardworking team deserves. Try our finest relaxation techniques while sitting in a comfortable chair and having our licensed therapists
California › San Bernardino County › Rancho Cucamonga (12.7 miles)
Dr Ya-Wen Cheng Acupuncture & Chiropractic
Dr. Ya-Wen Cheng provides a multiple discipline approach to healthcare, channeling the expertise and techniques from a range of fields. Acupuncture, chiropractic, western medical procedures, eastern medicine, and nutrition each have their unique place in the healing process. By integrating procedures
California › Orange County › Orange (35.3 miles)
Acupuncturist: Shabnam Pourhassani L.Ac
Acupuncture has been used as healing arts for over 2, 500 years. The general theory is built on the premise that there are patterns of energy flow called Qi throughout the body which are related to the organs and tendino-muscular system. When the energy flow is disrupted due to trauma, poor diet, medications,
California › Orange County › Orange (35.3 miles)
Dunamis Acupuncture & Herb Clinic, Inc.
We provide Acupuncture, Acupressure, Herbal Medicine and Alternative health services, treating Infertility, women's health issues, stress, auto accident related injuries, neck, shoulder, back pain, weight management, insomnia, chronic fatigue and many more! The doctors use Traditional Chinese Medicine
California › Orange County › Fullerton (35.7 miles)
Dio Kim Chiro & Accupuncture
Dio Kim Chiropractic and Acupuncture Clinic welcomes you! We're highly dedicated to delivering perfect care for all patients. It is our mission to assist you gain your optimum health and live a pain free life. Dr. Kim will perform a complete examination and will discuss thoroughly his report of findings.
California › Orange County › Fullerton (35.7 miles)
American Acupuncture Council
Complementary medicine and therapies are finally entering the mainstream in America - accepted more widely than ever by consumers, corporations, and insurance firms. And that not only means greater opportunity to grow your practice, but a more pressing need to protect it - something the American Acupuncture
California › Orange County › Santa Ana (37.9 miles)
Radix Acupuncture & Chiropractic
We're centrally situated in Irvine, California and conveniently accessible from many areas in Orange County and Los Angeles. Our practice philosophy is built on the concept of wellness at the root. We not only believe in addressing the immediate complaints of the patient but we look further into the
California › Orange County › Irvine (39.8 miles)
Element Health Care
Traditional Chinese Medicine has been practiced for 1000's of years to preserve health, treat, diagnose, and prevent illness. It has become universally accepted. It is being used in more and more hospitals, pain management center's, as well as dental and veterinary care. It is acknowledged and endorsed
California › Orange County › Irvine (39.8 miles)


text:
Aprilia at Eicma 2015
Discover the most important novelties by Aprilia at the EICMA 2015 in Milan.DOZNAJ VIŠE
Discover the most important novelties by Aprilia at the EICMA 2015 in Milan.DOZNAJ VIŠE
After the great 2019 season and La Marra's triumph, participation in CIV and the national trophy is renewed with five RSV4 bikes.DOZNAJ VIŠE
Final laps of 2019 for Espargarò, Iannone and Smith.DOZNAJ VIŠE
Aprilia hard at work with Espargaró, Iannone and Smith.DOZNAJ VIŠE
Aleix Espargaró took home another top-ten placement, closing out the Valencia race in ninth place after a thrilling battle with teammate Iannone, who crashed on the final lap, and finishing ahead of his brother Pol.DOZNAJ VIŠE
The good result from Friday, with Aleix solidly in the top ten, was nullified by a Saturday where the Spanish rider crashed no less than three times between FP3 and FP4. In the morning session, decisive for obtaining a spot in the top ten, which would mean going straight through to Q2, there were even two crashes.DOZNAJ VIŠE
At the end of the first day of practice in preparation for the Valencia GP which will be held on Sunday, Aleix Espargaró rode his Aprilia to a solid top-ten spot, finishing eighth with a time of 1'31.305, just 570 thousandths from pole position.DOZNAJ VIŠE
The Ricardo Tormo Circuit in Valencia prepares to welcome the final act of the 2019 MotoGP season.DOZNAJ VIŠE
The race ridden on the torrid asphalt of Sepang (Malaysia) was not a simple one. Aleix Espargaró, who started from the fourteenth spot on the grid, managed to move his way up the field just outside the top 10 before losing two positions in the battles that took place in the race finale.DOZNAJ VIŠE
In motorsports, thousandths of seconds make the difference. This is no common place. Just analyse the performance today by Aleix Espargaró: in a frenetic FP3 session, the Aprilia rider missed a spot in the top 10 (which would have sent him straight through to Q2) by 78 thousandths.DOZNAJ VIŠE


text:
Text OS to 24042 to join 95.5 The Lou's mobile club for exclusive news (Terms & Conditions).
Janelle Monae is done with people who are homophobic and/or racist. She aired them out on Twitter. Janelle said if it were up to her, racists and homophobes would be secluded from everyone else. She posted, "Why can't homophobic and racist people live in their own ******* community? I am asking a serious question. Put y'all money together and start your own community. Build homes & just be with each other. Stop making people's lives who live in the real world miserable. The kids some of you are raising and teaching or NOT TEACHING did this. They bullied him. Let that sink in. LIVID. #NigelShelby" Nigel Shelby, is the Alabama 9th grader that killed himself after being bullied for being gay. Janelle Monae also posted, "I wanna have a real discussion around bullies (kids and adults) who bully kids/people because of their sexuality. Bullying leads to KIDS & ADULTS in the LGBTQIA falling into depression & committing suicide in many instances. What should the repercussions be for bullying?"
Source: Twitter
-Tony Scott (@tonyscottmedia)
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Grants will be politically screened
The Interior Department will now funnel certain grants through a political screening intended to ensure the federal dollars "better align" with the administration's "priorities," according to a newly revealed memo.
The move invests considerable power in a senior Interior Department adviser named Steve Howke, who will be reviewing grants including those above $50,000 for universities, land acquisition purposes and nonprofits that can engage in advocacy.
The new review process covering discretionary grants, declared in a Dec. 28 memo, also comes with sharp teeth.
"Instances circumventing the secretarial priorities or the review process will cause greater scrutiny and will result in slowing down the approval process for all awards," the memo stated, in boldface.
Secretary Ryan Zinke's priorities range from "actively support[ing] efforts to secure our southern border" and ensuring "American energy is available to meet our security and economic needs" to employing more veterans and shifting "the balance toward providing greater public access to public lands over restrictions to access," according to an accompanying memo.
Howke, identified in the memo as the new grant reviewer, has until now had a very low profile. His only appearance on the Interior Department's website is his inclusion on an organizational chart from November.
"I'm reviewing this new grant approval regime, but I'm immediately skeptical given the administration's track record," Rep. Raúl Grijalva (D-Ariz.) said in a statement. "This grant approval process looks like a backdoor way to stop funds going to legitimate scientific and environmental projects."
Skeptics like Grijalva have previously raised similar concerns about new grant review procedures imposed at U.S. EPA (Greenwire, Aug. 22, 2017).
The three-page memo authored by Scott Cameron, principal deputy assistant Interior secretary for policy, management and budget, does not estimate how many grants or how much money overall might be affected. An Interior spokesperson did not elaborate today.
But as an example of the type of grants that could now face tighter scrutiny, the Interior Department is currently soliciting applications for grants of up to $2 million for battlefield land acquisition through the American Battlefield Protection Program.
In a similar vein, over the past year, Interior has offered grants exceeding $50,000 for a wide array of endeavors from western snowy plover recovery in the San Francisco Bay Area to operations and maintenance of Colorado weather stations.
All told, Interior provided $806 million in project grants and $763 million in cooperative agreements in fiscal 2016. More than 18,000 individual cooperative agreements and grants were provided, potentially reflecting the kind of funding that could be reviewed, and second-guessed, under the new policy.
"Grants and cooperative agreements of any type in any amount may be subject to an after-the-fact review process to ascertain whether the funds were appropriately expended and whether the anticipated benefits were produced," Cameron's memo notes.
Cameron has considerable experience with the National Fish and Wildlife Foundation and the Office of Management and Budget, among other past employers. He is currently Interior's top budget officer, pending the Senate confirmation of Susan Combs as assistant secretary (E&E Daily, July 21, 2017).
The memo, first obtained by The Washington Post, directs all Interior bureaus to report back within two weeks on all their financial assistance programs, specifying which grants and cooperative agreements are discretionary and hence subject to the new review process.
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Rent vs. Buy: Long-Term Financial Implements
When deciding if buying a home is the right move for you, the first step is to check whether you can afford the market rate and all of the other costs associated with ownership. While many people analyze that first big financial question, too many overlook the next important factor, which is to look down the road and evaluate the implications of ownership on your future. You should consider what your life might look like in another 2 years, 5 years or 15 years into your investment.
Check on Savings:
Start by looking at your savings. Without the savings, being unemployed could mean giving up your standards of living immediately or forcing you to ask help from people. For this reason, you should not sacrifice your savings to purchase a home; you're better off saving more money on top of your emergency.
Next, make a list of some of the medium to long term goals and responsibilities that require money. Raising kids, supporting elderly parents at some point, dreams of extensive travel, all these have financial expenditure. Remember that saving for your future is just as much a current expense as a mortgage payment and your income has to support both.
If purchasing a home you have to reallocate means from any of your goals, you may have to give that thing up for your new home. Keep in mind that your budget has to balance one way or another
Consider Mortgage Payments:
Speaking of income, will your mortgage payment be so large that it takes two salaries to pay it? If so, consider the possibility that one of those salaries could go away or be reduced in the event of a job loss, change of job. If your savings is non-existent, you could find yourself in a position where you are unable to make the payments without the help of your friends or relatives. Many financial experts suggest that your housing costs only consume about 30 percent of one person's income. That way, if your spouse ever loses his or her job, you will still be able to afford your home. Figure out what your individual 30 percent is and whether your payment fits within that strategy.
It is also captious to value the opportunity cost of the money that you use to buy a home. Although home prices can appreciate, there is no guarantee, and if you put all your savings into a home that leaves you with nothing to invest elsewhere.
Duration of Your Stay:
Think about your time period for staying in the home. Will you be there long enough to recover your closing debts? Remember, the real estate market can be unpredictable, so if you need to sell your home quickly due to necessary events, you may be forced to sell your property during a market downturn. In this case, the question of buy or rent is a little easier; you don't risk losing money if you have to leave after only a year or so. Length of time you live somewhere also connects in with return on investment. However, as we said, the real estate market is hard to predict, so don't use your house as your only investment.
Bringing it All Together:
The points mentioned are important on their own, but they are even more impactful when considered as a whole. Compare possible mortgage payments to rent costs and estimate how long you'll stay. Would you pay more with the mortgage or the rent for that amount of time? Do those payments allow you to save for your future and meet life goals? Have you considered costs associated with maintenance? An individual has to place all these questions in the list before buying their house.
In big cities like Chennai, people prefer to buy their new homes than to pay rents on monthly basis. More than just flats, people prefer luxury apartments in Chennai as regular lifestyle has become old fashioned and upgrades in people's lifestyle has been enormous. It is always better for people to buy their new homes as it brings much more happiness and freedom compared on being a tenant.


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Nissan Will Make Advanced Braking Standard
Expect Advanced Automated Braking–a safety feature that instinctively applies the brakes in emergencies–to come standard on all Nissan vehicles in the very near future.
Nissan officials believe about two-thirds of all new vehicles they sell next year will feature the high-tech safety precaution. Altima, Maxima, Murano, Pathfinder, Rogue, Rogue Sport and Sentra (except for models with manual transmissions or Nismo trim packages) feature Advanced Automated Braking in 2018.
"This system is resonating with consumers," said Michael Bunce, Nissan North America's vice president of product planning. "Once they have it and experience it activating just one time, they can't live without it."
The technology is already in use on 2017 models. Previously known as Forward Emergency Braking, Nissan estimates about 450,000 of the new vehicles they sell this year contains the feature.
Nissan is one of 20 automakers that agreed with the National Highway Traffic Safety Administration to standardize automatic braking on most models by 2022. By rolling the technology out on a large scale in 2018, Nissan is well ahead of the deadline.
Nissan plans to make the technology standard on 100 percent its lineup before long, Bruce said.


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'Walking for health and recreation is a popular pastime and an excellent way to appreciate the Herefordshire countryside. The council promotes fifteen circular walks and two long distance routes which use the county's footpaths. There are a number of other longer routes within or which pass through Herefordshire which you can find out about ...'
Includes information on walks around Bromyard, local walks, local walking groups, public transport, and pubs and cafes.
'Mortimer Country is a walker's paradise whatever your age or ability. Whether you are looking for a strenuous all day hike or a relaxed evening stroll, the excellent and extensive network of way -marked paths will have a walk to suit you.'
Usually held mid June.
Held Mid September.
'Leominster has a wide choice of walks, suitable for all abilities, direct from the town centre. The town is the biggest market town in Herefordshire. In the past its fortune was based on Leominster "ore", the fleece of the Ryland sheep. Now industry is very varied. We also have an accessible trail for those who may have difficulty. Route cards are available at the Tourist Information Centre. Walking guide books and maps are also available from the TIC in the Corn Square ...'
'Queenswood is the only designated country park in the county. It includes the arboretum, a 47 acre tree collection with over 1,200 rare and exotic trees from all over the world and 123 acres of semi-natural ancient woodland which is designated as a Site of Special Scientific Interest (SSSI) and Local Nature Reserve (LNR).'
'In Herefordshire we have four groups: Hereford, Leadon Vale, Mortimer and Ross.'
'Ross is an ideal base from which to explore the beautiful and varied countryside within easy reach of the town. Walks are many and varied, ranging from flat, easy strolls alongside the river to challenging walks in the local hills or the nearby Black Mountains or Malvern Hills. Two major long distance walking routes pass through the town. These are The Wye Valley Walk and The Herefordshire Trail. In addition The Ross Round Walk circular walk starts and finishes in the town.'
'Herefordshire offers 2100 miles of largely undiscovered and unspoilt footpaths. These include the 154 miles of the recently opened Herefordshire Trail. It is the only long distance trail in England, which is within the same county boundary. Go to our One Stop Walk Shop for guided walks for both the novice & adventurous walker.'
'FREE Herefordshire Walks for you to download and print! - - - Need a map for your Herefordshire walk? - - - Want to walk with others? - - - How about a book of Herefordshire walks?...'
'Breinton Springs is owned by the National Trust and is popular with visitors to Breinton. This lovely circular walk can be accessed from Breinton Springs itself, or from Hereford city.'
'Take our fabulous walks of discovery, and have fun finding answers to clues which tell you more, whilst reading our stories about the most interesting facts ...'
'A series of walks have been produced by The Fownhope Residents Association together with the help of many villagers.'
'A series of walks leaflets are available covering parts of the Herefordshire and Gloucestershire Canal through the two counties. There are now five walks available – all of which are proving very popular with both local people and visitors to the area. Each walk is illustrated with photos of points of interest and a clear map of the route.'
Herefordshire & Gloucestershire Canal Trust
'A town trail for the City of Hereford which describes buildings from Mediaeval to fairly modern times including the glorious Cathedral.'
Joe McCall English Stone Forum
'We have daily guided walks and booked walks with different themes. The tours last about one and a half hours and are conducted by volunteer members of the Hereford Guild of Guides. The walks start at the main entrance of the Cathedral. There is no need to book in advance but you will need to purchase a ticket prior to joining the walk'
'Directions for self-guided walks around Herefordshire's six market towns, plus a walk around the Victorian places of interest in Hereford itself.'
'The forum is a voluntary body with 22 members, appointed to represent landowners, users of the land and those with other interests. It advises the local authority and other bodies on access issues and also considers wider strategic issues such as the Herefordshire Rights of Way Improvement Plan.'
'There are 4,415 registered public rights of way (PROW) in Herefordshire, ranging from a few metres to several kilometres in length. The county's path network covers over 3,360km and is managed and maintained by our Contractor on behalf of the council.'
'A long distance path using existing public rights of way to give a circular tour around our county' Alert 'The Trail was the outcome of efforts by Herefordshire Council, Advantage West Midlands, the European Union and The Countryside Agency to enrich the rural economies of the towns and villages en route. Sadly Herefordshire Council has failed to make any effort to waymark the route or tackle a long series of obstacles. The path is blocked by cereals, oil seed rape, overgrown and broken stiles, and many of the signs are broken.' [Wikipedia 1 September 2017]
Herefordshire Trail [RambleFest]
'6-7 mile easy walk, following, in the main, the Herefordshire Trail.'
The Hoarwithy Bus Walk [Herefordshire Council]
'Ledbury is a market town in east Herefordshire. It is named after the river Leadon, which runs through the area. In the Domesday Survey of 1086 it is recorded as "Liedeberge" ... In the 12th century Ledbury had a Bishop's Palace and the Bishop of Hereford was formally lord of the manor of Ledbury. For some time Ledbury was the most valuable of all the manors held by the Bishop.'
Bringsty Common 'is a wonderful location for some fantastic walks and the pub can be a great starting place ... Remember you can walk anywhere across Bringsty Common, except in people's gardens, so there's no need to keep to any path, if you want to be a free spirit. It's a wonderful place for walking of all kinds – long, short or very short!'
Six walks around and about the local bus Route 41, operated by Sargeants: 1 - Walton to Kington; 2 - Titley to Kington; 3 - Presteigne to Kington; 4 - Norton to Knighton; 5 - Knucklas to Knighton; 6 - Five Turnings to Knighton. ALERT These specific Walks no longer seem to be promoted on the (re-engineered) 'Shropshire Walking' Website - but you might be able to download details from the Offa's Dyke Path National Trail or Car Free Walks Websites.
''Circular walk around Ross on Wye in Herefordshire.'The hiking trail description for the Ross Round walk is on the LDWA website [listed under Ultimate Ross Round].You might also want to buy Striding Around Ross, a comprehensive, illustrated guide of The Ross Round including the new loop added in March 2013.'
'It is hard to believe, but as you walk through Wigmore you are walking through what was once a major town and centre of power. In the 10th century it was the major civic centre for the region and sometime home of King Edward ... '
'This walk takes place in an area of the County known as the Woolhope Dome ...'.
'Walk connecting The Cotswold Way to The Offa's Dyke long distance trail. The walk starts in Kington in Herefordshire and finishes near Broadway in Worcestershire.'
Directory Statistics
Recently Added Records
- Southport Parks and Gardens Heritage TrailCategory: SeftonDistance (miles): 2Created:
- Chilterns Countryside WalksCategory: ChilternCreated:
- *Hayle Town CouncilCategory: West CornwallCreated:
- Knole, Ightham and Fairlawne WalkCategory: SevenoaksDistance (miles): 11Created:
- Leatherhead Riverside WalkCategory: Mole ValleyDistance (miles): 3Created:
- Coastliner WayCategory: LeedsDistance (miles): 170Created:
- *Clare - Walkers Are WelcomeCategory: St EdmundsburyCreated:
- *Dean PlantationCategory: FifeSize (acreage): 200Created:
- *LDWA - The IrregularsCategory: Across the UKCreated:
- *Dunblane Rambling ClubCategory: StirlingCreated:
- *Clent HillsCategory: BromsgroveSize (acreage): 440Created:
- *Dawyck Botanic GardenCategory: PeeblesshireSize (acreage): 65Created:
- Landsker Borderlands TrailCategory: PembrokeshireDistance (miles): 60Created:
- *Dales Walking Group for SinglesCategory: North YorkshireCreated:
- South of Scotland Countryside TrailsCategory: The Scottish BordersCreated:
- *Scarborough Rambling ClubCategory: ScarboroughCreated:
- *Alton - Walkers Are WelcomeCategory: East HampshireCreated:
- *East Chevington Nature ReserveCategory: Castle MorpethSize (acreage): 450Created:
- St Bernard's WayCategory: RyedaleDistance (miles): 470Created:
- England Coast Path - Folkestone to RamsgateCategory: ShepwayDistance (miles): 37Created:
- *Discover DartmouthCategory: South HamsCreated:
- *Sugar Loaf and Usk ValleyCategory: MonmouthshireCreated:
- Bury Public Rights of WayCategory: BuryCreated:
- Ash and LeeCategory: HarlowDistance (miles): 11Created:
- Circular Walks from Long Distance Trails in the...Category: South EastCreated:


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Finale Hardcover
'Extravagantly imaginative and enchanting . . . Pure magic and escapism' Cecelia Ahern
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Caraval is over, but perhaps the greatest game of all has begun - with lives, empires, and hearts all at stake. There are no spectators this time: only those who will win, and those who will lose everything. Welcome, welcome to the Caraval's Finale. All games must come to an end . . .


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Richard wrote this first poem after making a return visit to Chesham. He was in a coffee shop at the time, of course…
Being Back
The familiar shops
Drinkers outside
The brewing hobby shop
The familiar cafes
Feeling exactly
How a slow Sunday afternoon
Should feel.
The river
Now a midsummer trickle
But the moor still marshy.
It's not home but was
And when I'm old
And maybe blurred
With confusion about
Wherever I'll be
It's what I'll remember
What I'll translate
The strange streets
And continuing the coffee shop theme, but written in The Cotswolds…
Whether it be a day
Which with hindsight
Was pivotal or a milestone
Or the first rumble
Of a remote avalanche
Is as yet unknowable.
All I know in a Costa cafe
At 11.37 am
On a damp but mild
Saturday morning
Is that the couple behind me
Are talking about an MOT,
A big white-haired man
In a short-sleeve shirt
Is doing the Quick Crossword
Slowly while his wife
In her orange blouse
And flowery cardigan
Flips idly through
The weekend magazine. Across
The aisle a middle-aged bloke
In jeans, check shirt
And classy shoes
Helps his little old mum
Wipe her hands on a
Serviette as his blonde wife
Arrives and they get up to go
Maybe to take his mum
Back to the home
Where the very old live out
Their days.
The cafe staff chat
And clink spoons
On saucers, there's been
A rush which has now subsided
And the empty tables
Are filled with the trays
And crockery
Of the departed
And the dishwasher
Is bust. An old lady
With tightly curled white hair
In a coat with a brooch
Smiles as her fat husband
Brings her coffee, sweeps
The crumbs off his seat
On which he places
His rather large behind
And shares a joke
As she proffers
A five pound note.
Then he starts tapping
On his phone as she rummages
In her bag for a till receipt.
It's now 11.52,
A quarter of an hour
Has passed. Who knows
What births and deaths
And great dramas
Have happened in the world
Outside? In Europe
They've had the heaviest snow
In thirty years, the papers
Are full of anger and woe
About the latest twist
In the BREXIT civil war.
We had a lot of snow
A year ago
But just now just here
Life carries on
Normally uneventfully
Like an untroubled stream
Over well worn


text:
Organisations that help Queenslanders with practical health advice and assistance can continue their good work thanks to funding from the Palaszczuk Government.
Minister for Health and Ambulance Services Steven Miles said funding would be renewed to 22 non-government organisations.
"We will continue to provide vital support to Queenslanders dealing with difficult or complex health issues," Minister Miles said.
"That's why we are investing more than $14.8 million over the next three years to these organisations that provide valuable community self-care support to Queenslanders.
"These organisations provide tailored services and are uniquely placed to assist and advocate for their consumers.
"They understand the community's needs and interests and work hard to deliver the right services to those Queenslanders who need them."
Cystic Fibrosis Queensland, Chief Executive Officer, Petrina Fraccaro said this grant allows us to continue to provide support and services to the increasing number of Queenslanders living with cystic fibrosis.
"Our programs are designed to increase clinical adherence and reduce frequency and duration of hospital stays," Ms Fraccaro said.
"On behalf of our community I would like to thank the State Government for its on-going support."
Kidsafe Queensland, Chief Executive Officer, Susan Teerds said this assistance is essential in providing services that help to save children's lives.
"By providing information and direct assistance to the community on safety issues such as child car restraints and safe sleeping guidance for infants and children, we can play a significant role in reducing injury or death rates for this highly vulnerable age group," Ms Teerds said.
"Kidsafe would like to thank the State Government for this funding and the ongoing support from Health Minister Steven Miles."
Minister for Health and Minister for Ambulance Services
The Honourable Steven Miles


text:
Scope and Content Note
This series contains original copies of approximately fifty commutations of sentence signed by the governor. They relate principally to Sing Sing inmates but also include commutations from Auburn and Clinton inmates. Information contained in each commutation includes: name of inmate; county of sentence; name of prison; original prison term; and signature of governor.
The official State Seal is affixed to each document.


text:
Grade 8 Mathematics STAAR® Practice
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|Numerical Representations and Relationships
|Computations and Algebraic Relationships
|Geometry and Measurement
|Data Analysis and Personal Financial Literacy
- Questions 2,143
- Vocabulary Terms 139
- Performance Tasks 90
- Instructional Videos 48
Test Standards
|Numerical Representations and Relationships
|1. (8.2.A) Sets and subsets
|2. (8.2.B) Irrationals
|3. (8.2.C) Scientific notation
|4. (8.2.D) Order reals
|Computations and Algebraic Relationships
|1. (8.4.A) Slope
|2. (8.4.B) Proportional relationships
|3. (8.4.C) Rate of change
|4. (8.5.A) Linear proportion situations
|5. (8.5.B) Linear, non-proportional
|6. (8.5.E) Direct variation problems
|7. (8.5.F) Distinguish situations
|8. (8.5.G) Identify functions
|9. (8.5.H) Function examples
|10. (8.5.I) Write an equation
|11. (8.8.A) Write equations or inequalities
|12. (8.8.B) Problems from equations
|13. (8.8.C) Model and solve
|14. (8.9.A) Identify solutions
|Geometry and Measurement
|1. (8.3.A) Side ratios
|2. (8.3.B) Dilations
|3. (8.3.C) Scale factors
|4. (8.6.A) Cylinder volume
|5. (8.6.C) Pythagorean theorem
|6. (8.7.A) Volume problems
|7. (8.7.B) Lateral and surface area
|8. (8.7.C) Use Pythagorean Theorem
|9. (8.7.D) Distance
|10. (8.8.D) Angles in triangles, etc.
|11. (8.10.A) Transformation properties
|12. (8.10.B) Transformations and congruence
|13. (8.10.C) Algebraic representations
|14. (8.10.D) Dilation effects
|Data Analysis and Personal Financial Literacy
|1. (8.5.C) Bivariate sets
|2. (8.5.D) Trend lines
|3. (8.11.A) Scatterplots and association
|4. (8.11.B) Mean absolute deviation
|5. (8.12.A) Cost of credit
|6. (8.12.C) Compounded growth
|7. (8.12.D) Interest
|8. (8.12.G) Estimate tuition