text:
Katie Scott,
"Mapping Plagiarism in a Regime of Privilege"
The charge of plagiarism dispenses with the calendar and substitutes the map. It takes a moral position in relation to artistic idea, arguably judging it always already an inalienable possession. The passage of time does not lessen the crime. Rather plagiarism operates and is identified by forms of mapping: by the process of appropriative tracing or re-tracing of forms and by a mental mapping of point to point correspondences which leads to the recognition of repetition. However, not all copies are plagiaries; their classification as such is historically contingent. This paper asks whether, and in what ways the practices of the copy in the visual arts (painting, sculpture and printmaking) and charges of plagiarism were shaped by an increasingly conspicuous and efficacious regime of copy-privilege in France during the ancien régime. It further considers the extent to which emergent notions of copyright may have been informed by plagiarism: both its discourses and its practices.


text:
It's time to dive into October, a month full of important awareness events, poetry celebrations, and of course, Halloween! Read on for just some of the exciting things happening this month.
Black History Month
Black History Month is the nationwide celebration of Black History, Arts and Culture throughout the UK; find out more here. Share the excitement and raise awareness in your classrooms with our fantastic Lit in Colour resources which will help support an inclusive and diverse reading culture in your school community.
Libraries Week
Showcasing the amazing work of libraries and the important role they play in their communities, Libraries Week takes place from 4th - 10th October. With a focus on Taking Action, Changing Lives this year, why not encourage children to step into their school or local library and discover what they have to offer? Find your local library here and keep up to date with Libraries Week 2021 by following @librariesweek and share your plans at #LibrariesWeek.
National Poetry Day
National Poetry Day falls on 7th October this year and the theme is 'Choice'. This wonderful event celebrates the power of poetry to bring people together and across the country events will take place online and in-person to shine a light on expressing yourself through poetry. Take inspiration from a whole host of poetry resources including our KS2 Poetry booklist and children can join Rashmi Sirdeshpande in writing an alphabet poem with our KS2 Video.
Puffin Virtual Visits
The new series of Puffin Virtual Visits kick-off this month! First-up on Friday 8th October is Tamzin Merchant, author of The Hatmakers, who'll be sharing exciting insight into the writing process, activities for children to join in with, and more. You can sign up for FREE and enjoy the online author visit with supporting resources to help get children excited about reading and stories! Find out more about this and future visits here.
International Day of the Girl Child
The United Nations designated 11th October as International Day of the Girl Child to focus attention on the need to address the challenges girls face and to promote girls' empowerment so they can achieve their full potential and find their voice. Read about the extraordinary lives of inspirational girls such as Greta Thunberg and Malala Yousafzai and other brilliant female role models with our booklist.
October 31st sees the annual celebration of all things spooky return and it's always a great opportunity to spark the imagination! Get some brilliant ideas from Rowley Jefferson's Awesome Friendly Spooky Stories and his story starter and storyboard activities. Enjoy an extract from Roald Dahl's The Witches read by Stanley Tucci with our KS2 storytime video and follow that up with The Witches resource pack!
Whatever you are doing to celebrate stories this month, we'd love to hear about it! Please contact [email protected] with 'Inspiring Ideas' in the subject line.

subset: commoncrawl


text:
Bloomreach vs Moosend
Who is this software for?
Bloomreach is designed to help businesses create personalized and relevant digital experiences for their customers, increasing engagement and conversion rates.
- Detailed segmentation based on many customer attributes
- Easy to setup and integrate
- They offer an SLA (and seem to sticky to it)
About Bloomreach
Bloomreach is a digital experience platform (DXP) that helps businesses create personalized and engaging digital experiences for their customers. The platform offers a range of features such as personalization, search, and content management. Bloomreach also includes a content management system (CMS) that allows businesses to manage and optimize their website content and integrates with a variety of third-party tools such as Salesforce, Google Analytics, and Adobe Experience Cloud, making it easy for businesses to connect their existing tools.
Who is this software for?
Moosend is an email marketing platform providing advanced automation and personalization tools to create targeted, effective campaigns, with easy list management and analytics.
- Competitive pricing for the range of features offered
- Offers transactional email
- Easy to use email builder
About Moosend
Moosend is an email marketing platform that allows businesses to create and send targeted and automated email campaigns to their subscribers. It offers a range of features such as automation, list management, and real-time reporting. The platform has a user-friendly interface that makes it easy for beginners to create and send emails, as well as track and analyze the performance of their campaigns. Moosend also includes a variety of templates, allowing businesses to create professional-looking emails without the need for design expertise. Additionally, the platform has integrations with a variety of third-party tools, such as Shopify and Salesforce, to further streamline the email marketing process.
Who is this software for?
ActiveCampaign is suitable for businesses of all sizes looking for a powerful, easy-to-use marketing automation platform that's reasonably priced.
- Easy to build powerful automated workflows
- Very affordable and no setup fees
- A/B testing automation sequences & campaigns
- Limited dashboard customization options
- The CRM isn't ideal for large sales teams or complex use cases.
About ActiveCampaign
ActiveCampaign is one of the most user friendly all-in-one marketing platforms for small to mid sized businesses. ActiveCampaign combines email marketing, marketing automation and sales CRM software in a simple to use visual platform to help businesses like yours acquire, retain and engage your customers. Ultimately helping you save time and grow your business. ActiveCampaign lets you easily create eye catching email campaigns to help you stay in touch with your contacts and customers. Their visual campaign builder lets you easily create automated marketing campaigns and send out targeted emails to your potential customers based on their personal interactions with your business and their integrated CRM lets you keep track of your leads and close more deals to grow your business.ActiveCampaign plays nice with others and integrates with over 700 apps and services. From accounting to CMS and analytics applications, all the way to services that are focused on sales, support and lead generation. Visit their website and try out their platform for free to find out if ActiveCampaign is the right solution to help grow your business.


text:
Newcastle Tool and Gauge ("NTG") is a precision engineering business based in Gateshead. It manufactures mission critical high value components for use in Severe Duty Engineering Applications where its products operate in high temperature, high pressure or high stress environments.
NTG's end clients are prominent players across the oil and gas, subsea, power generation, food packaging and renewables sectors amongst others.
Souter Investments is part of an equity syndicate led by Ignite Growth. The acquisition facilitated shareholder succession and also provided funds to accelerate NTG's ambitious organic and inorganic growth plans.


text:
It is a well-known fact that bathtubs are the best place to relax and spend some quality alone time. But did you know that bathtub photoshoot ideas are easy to come by, but does taking dreamy selfies in the tub have to involve learning a new skill? Not necessarily.
Before Bathtub Photoshoots
If you're curious about what we mean, then read on below! We'll give you all the details of how to do bathtub photoshoots, including ideas for themes and anyone else who might want to get in on the action.
Work out your plan:
The first thing you need to decide is what kind of photos you want. Do you want something serious but still fun, like a mock-up perfume ad? Or do you prefer something more whimsical, like cosplay? Whatever your preference, there are lots of options out there!
Once you've decided on your theme, it's time to decide who gets in on the action. You could go solo and have some great shots of yourself relaxing in your tub, or you could invite someone else along for the ride. Maybe a romantic partner (so long as they're okay with sharing bathwater), or maybe even your pet! The possibilities are endless! Lastly, don't forget the bathtub photography prop! No bathtub photoshoot would be complete without them.
Master photoshoot tips:
Now that we've got that out of the way, here are some bathtub photoshoot tips:
1. Focus on fun poses and angles to let your personality shine through
2. Try out different filters
3. Snap photos from outside the tub looking in
4. Put some bubbles in your bath for extra enhancement
Essential Things to Prepare When Doing Bathtub Photoshoots
When it comes to bathtub photoshoot ideas, it is important to think about how you can make the shots more interesting. To help you with that, here are some of the essential things that you need to prepare when doing bathtub photoshoots:
1. Camera
The first thing you need to prepare for your bathtub photoshoots is a camera. You can either use your smartphone or a DSLR camera for this purpose. The choice will depend on your budget and preference.
2. Location
The next thing you need to prepare for your bathtub photoshoots is a location. You can either go for natural light or artificial light in this regard. In addition, you can also choose from various angles in order to make the shots more interesting.
3. Props
The third thing you need to prepare for your bathtub photoshoots are props such as candles and vases. These props will add extra drama and romance to your pictures so they can be very helpful when it comes to creating romantic scenes in the bathtub.
4. Outfit
Lastly, another essential thing that you need to prepare for your bathtub is your outfit. You want to feel comfortable in whatever outfit you choose, but it's helpful if it fits your aesthetic/theme as well.
Creative and Stunning Bathtub Photoshoot Ideas
Bathtub photoshoot ideas are one of the latest trends in photography. These six creative and stunning bathtub photoshoot ideas will give you a head start on your photography journey!
If you're looking for a fun and unique idea for your next photoshoot, then try out these creative and stunning bathtub photoshoot ideas.
Stay Simple Style
What's simpler than taking a selfie? This is the perfect option for anyone who doesn't want to make a big mess of their bathroom. Just hop in, take some pics, and get out!
Keep Up the Red-Hot Vibes
This is one of the best and most popular bathtub photoshoot ideas nowadays. This one is perfect if you want to add some style to your bathtime selfies! Add some red accents around the tub, like candles or flowers, then snap away! Also, this is a great option if you want some color in your photos. The reds are sure to make everything around you look brighter, which will make your pictures look more vibrant as well!
Enchanted Magical Aura
If you've ever wanted to feel like an enchantress, then this might just be the perfect style for you. It's a beautiful and magical look that will leave any viewer spellbound by its beauty! This is just what it sounds like—you'll need some fairy lights for this one. Drape them around your bathroom (or just around the tub), turn off all other lights in your house so that only theirs illuminate your bathtub, and snap some photos! You'll have an enchanting aura that's sure to make all of your friends jealous when they see it on Instagram.
Happy Sunshine
This is the number one recommended bathtub photoshoot ideas for baby! This is a great concept for those who want to capture their child's bubbly personality. In this setting, you will want to place bright yellow flowers around the tub and give your child access to water toys such as rubber ducks and plastic fish. You can also add bubbles if you want them to look even cuter!
Out of the Woods Era
Looking for outdoor bathtubs ideas? We've got you covered! If you live near a wooded area, you can use it to create an awesome setting for your bathtub photoshoots. Make sure the background has plenty of beautiful scenery and trees, then set up your shoot like the wood era scene, with fun accessories like candles, flowers, or oriental rugs/blankets nearby.
This is a great idea because it makes use of nature without feeling too obvious or forced into being just another "outdoors" photoshoot—it's got that magical feel to it with the wooded area setting. And using props such as candles or flowers adds even more elegance to your shots
Fun and Free Bubble Bath
Now, this is for bubble bath photoshoot ideas. This one doesn't require much preparation or equipment at all – just make sure there's plenty of room in the tub for bubbles! Just fill up with water from your shower head or faucet (make sure it's warm enough not to burn yourself!) And then add some bubbles into the bathtub. Stay Bubbly!
The bathtub photoshoot ideas are sure to help you achieve a photoshoot that you will never forget! Plus, when you go through all of the different tips and tricks that we have discussed above you are going to be in a really good position with your photography. However, it is still important to always have fun with it and not get so caught up in the end result! Enjoy the experience of having your photos taken and make sure that you smile and stay comfortable and enjoy the whole process.


text:
Federal Deposit Insurance Corporation Restoration Plan, 59306-59309 [2020-20690]
Download as PDFAgencies
[Federal Register Volume 85, Number 183 (Monday, September 21, 2020)] [Notices] [Pages 59306-59309] From the Federal Register Online via the Government Publishing Office [www.gpo.gov] [FR Doc No: 2020-20690] ======================================================================= ----------------------------------------------------------------------- FEDERAL DEPOSIT INSURANCE CORPORATION Federal Deposit Insurance Corporation Restoration Plan AGENCY: Federal Deposit Insurance Corporation (FDIC). ACTION: Notice of establishment of restoration plan. ----------------------------------------------------------------------- Extraordinary growth in insured deposits during the first and second quarters of 2020 caused the Deposit Insurance Fund (the DIF or the fund) reserve ratio to decline below the statutory minimum of 1.35 percent.\1\ As of June 30, 2020, the reserve ratio had fallen below the statutory minimum and stood at 1.30 percent, 9 basis points below the reserve ratio as of March 31, 2020, and 11 basis points below its recent peak of 1.41 percent as of December 31, 2019. Prior to 2020, the DIF reserve ratio had not decreased since the fourth quarter of 2009. --------------------------------------------------------------------------- \1\ The reserve ratio is calculated as the ratio of the net worth of the Deposit Insurance Fund (fund balance) to the value of the aggregate estimated insured deposits at the end of a given quarter. See 12 U.S.C. 1813(y)(3). --------------------------------------------------------------------------- The Federal Deposit Insurance Act (the FDI Act) requires that the FDIC's Board of Directors (Board) adopt a restoration plan when the DIF reserve ratio falls below 1.35 percent or is expected to within 6 months.\2\ Under the FDI Act, the restoration plan must restore the reserve ratio to at least 1.35 percent within 8 years of establishing the Plan, absent extraordinary circumstances.\3\ --------------------------------------------------------------------------- \2\ 12 U.S.C. 1817(b)(3)(E)(i). \3\ 12 U.S.C. 1817(b)(3)(E)(ii). --------------------------------------------------------------------------- Therefore, pursuant to section 7(b)(3)(E) (12 U.S.C. 1817(b)(3)(E)), the FDIC established the following Restoration Plan (or the Plan) on September 15, 2020. 1. The FDIC will monitor deposit balance trends, potential losses, and other factors that affect the reserve ratio. 2. The FDIC will maintain the current schedule of assessment rates for all insured depository institutions (IDIs). 3. At least semiannually, the FDIC will update its analysis and projections for the fund and, if necessary, recommend any modifications to the Plan, such as increasing assessment rates. While subject to considerable uncertainty, based on a range of reasonable (though highly uncertain) estimates of future losses and assuming a return to normal insured deposit growth, the reserve ratio would return to 1.35 percent without further action by the FDIC before the end of the 8-year period beginning upon the implementation of the Plan, as required by law. Detailed Analysis and Basis for Actions Taken by the Restoration Plan The FDI Act requires that the FDIC publish in the Federal Register a detailed analysis of the factors considered and the basis for the actions taken with regard to the Restoration Plan.\4\ The following summarizes the analysis the FDIC conducted that formed the basis of the Restoration Plan. --------------------------------------------------------------------------- \4\ 12 U.S.C. 1817(b)(3)(E)(v). --------------------------------------------------------------------------- Source of Decline in Reserve Ratio The decline in the reserve ratio during the first half of 2020 was solely a result of extraordinary insured deposit growth. Table 1 shows the components of the reserve ratio for the last quarter of 2019 and the first two quarters of 2020. Over this period, the DIF balance grew and did not experience material losses. As of June 30, 2020, the DIF balance totaled a record $114.7 billion, up $4.3 billion from the end of 2019. Meanwhile, insured deposits grew by an estimated $1 trillion, resulting in an 11 basis point decline in the reserve ratio from the end of 2019. Table 1--Fund Balance, Estimated Insured Deposits, and Reserve Ratio [$ In billions] ---------------------------------------------------------------------------------------------------------------- 4th Qtr 2019 1st Qtr 2020 2nd Qtr 2020 ---------------------------------------------------------------------------------------------------------------- Beginning Fund Balance.......................................... 108.9 110.3 113.2 Plus: Net Assessment Revenue................................ 1.3 1.4 1.8 Plus: Investment Income a................................... 0.5 2.0 0.1 Less: Loss Provisions....................................... -0.1 * * Less: Operating Expenses.................................... 0.5 0.5 0.5 Ending Fund Balance b........................................... 110.3 113.2 114.7 Estimated Insured Deposits...................................... 7,815.2 8,164.2 8,837.3 Ending Reserve Ratio............................................ 1.41% 1.39% 1.30% ---------------------------------------------------------------------------------------------------------------- * = Less than $50 million. a Includes unrealized gains/losses on available-for-sale securities. b Components of fund balance changes may not sum to totals due to rounding. [[Page 59307]] The extraordinary growth in insured deposits during the first half of 2020 was also unprecedented. As described in more detail below, this increase largely stemmed from actions undertaken by depositors, both businesses and individuals, as well as government policy actions in response to the Coronavirus 2019 (COVID-19) pandemic. During the first half of 2020, estimated insured deposits grew by 4.5 percent (17.9 percent, annualized) in the first quarter and by 8.2 percent (33.0 percent, annualized) in the second quarter--two of the highest growth rates since quarterly reporting began in 1991.\5\ Together, estimated insured deposits grew by an amount equal to approximately three years of insured deposit growth in the first two quarters of 2020 (Chart 1). --------------------------------------------------------------------------- \5\ The growth in estimated insured deposits experienced during the first and second quarters of 2020 was surpassed only by quarters in which the growth rate was substantially impacted by a temporary increase in coverage for noninterest-bearing transaction accounts or a permanent increase in the standard maximum deposit insurance amount from $100,000 to $250,000, including specifically only the fourth quarter of 2010, the third quarter of 2009, and the fourth quarter of 2008. [GRAPHIC] [TIFF OMITTED] TN21SE20.000 As of June 30, 2020, the unprecedented rate of insured deposit growth stemming from the pandemic had reduced the reserve ratio to below the statutory minimum of 1.35 percent. Factors That Affect the Ability of the Reserve Ratio to Return to 1.35 Percent Deposit balance trends, potential losses, and other factors will affect the ability of the reserve ratio to return to 1.35 percent within 8 years of implementing the Restoration Plan. To determine whether the reserve ratio has reached the statutory minimum, the FDIC will rely on the reserve ratio as of September 30, 2028.\6\ Under the Plan, the FDIC will closely monitor the factors affecting the reserve ratio and, as they become clearer, will update the Plan, as necessary, to reflect any updated assumptions. --------------------------------------------------------------------------- \6\ The reserve ratio is based on total estimated insured deposits at the end of a given quarter. The FDIC will rely on the reserve ratio as of September 30, 2028, the first quarter-end date for which the reserve ratio will be known after September 15, 2028, the end date of the 8-year period. --------------------------------------------------------------------------- Deposit Balance Trends The extraordinary growth in insured deposits during the first and second quarters of 2020 is largely a result of actions taken by monetary and fiscal authorities, and by individuals, businesses, and financial market participants in response to the COVID-19 pandemic. Deposit growth initially intensified in March upon the outbreak of the COVID-19 pandemic. As COVID-19 infections spread throughout the United States, individual states or major metropolitan areas ordered millions of Americans to stay home, severely reducing their ability to engage in usual commerce and forcing many businesses to close temporarily or furlough employees. Faced with economic disruption and uncertainty, businesses drew on their lines of credit and conserved cash, increasing deposits. Market volatility pushed investors to safer assets, including cash and insured deposits. Beginning in March, the Board of Governors of the Federal Reserve System (Federal Reserve) announced a series of emergency actions, including large-scale asset purchases and emergency lending facilities, which rapidly expanded its balance sheet by more than $1 trillion and, with it, grew IDI reserve balances and deposits. As deposit growth associated with a flight to safety began to stabilize, fiscal stimulus and reduced spending applied additional upward pressure on deposit growth. As part of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the U.S. government provided over $1 trillion in direct support to consumers and businesses through business loans, expanded unemployment insurance, and one-time checks to individuals.\7\ Lending to small businesses resulted in an increase in deposits. For individuals, the resulting surge in personal incomes from direct government assistance, combined with the dramatic reduction in discretionary spending, fueled deposit growth and lifted the personal savings rate to a record high of 33.7 percent in April. The personal savings rate remained elevated through July at 17.8 percent, and monthly savings more than doubled to $280 billion in June from $116 billion [[Page 59308]] in February, or $3.4 trillion compared to $1.4 trillion on an annualized basis. --------------------------------------------------------------------------- \7\ The CARES Act established the Paycheck Protection Program, which facilitated credit to small businesses through loans backed by the full faith and credit of the U.S. Government. The CARES Act also provided Economic Impact Payments of up to $1,200 per adult and $500 per child, based on income, and expanded the amount of and eligibility for unemployment benefits. See Pub. L. 116-136 (Mar. 27, 2020). --------------------------------------------------------------------------- Insured deposit growth rates are expected to decline compared to rates experienced during the first two quarters of 2020. During the third quarter of 2020 to the week ending August 19, 2020, estimated domestic deposits (including both insured and uninsured deposits) for all domestically chartered commercial banks declined by 0.7 percent.\8\ In the near term, low interest rates and reduced fiscal support in the face of weak economic conditions, including weak labor markets, incomes, and reduced consumer spending may place downward pressure on deposit growth as depositors draw down savings. Even as economic conditions improve, deposits may decline as the precautionary behavior exhibited by depositors subsides and individuals and businesses redirect deposits toward consumption and higher-yielding investments. --------------------------------------------------------------------------- \8\ Percent change for estimated weekly aggregate domestic deposits, which includes insured and uninsured deposits, at domestically chartered commercial banks only. This statistic is based on data that are reported weekly by a sample of banks and does not include deposits at other IDIs, including savings institutions. Federal Reserve, H.8 Data Release, Assets and Liabilities of Commercial Banks in the United States, data as of August 19, 2020, available at https://www.federalreserve.gov/releases/h8/current/default.htm. --------------------------------------------------------------------------- While insured deposit growth rates are expected to decline, deposit balances, including insured deposits, could remain elevated until the factors that supported their recent growth decline from their current levels, particularly monetary and fiscal policy and economic uncertainty. The Federal Reserve has indicated that it will continue to provide monetary policy support in the near-term with a continuation of asset purchases. In the medium- to long-term, if the Federal Reserve implements a gradual approach to unwinding monetary policy, as it did in the post-2008 period, reserves may remain elevated for years, even after economic conditions improve. The impact on deposits of a prolonged period of economic weakness is difficult to predict, but it is possible deposits may remain elevated if businesses and consumers continue to hold back spending under such a scenario. Under the Restoration Plan, the FDIC will monitor these deposit balance trends and their impact on the ability of the reserve ratio to return to 1.35 percent within 8 years of establishing the Plan. Potential Losses Losses from past and future bank failures affect the reserve ratio by lowering the fund balance. In recent years, the DIF has experienced low losses from IDI failures. On average, five IDIs per year failed between 2015 and 2019, at an annual cost to the fund of about $400 million. Two IDIs have failed thus far in 2020, marking the sixth year in a row with few or no failures. Future losses to the DIF remain uncertain as the length of the pandemic and the resulting potential economic and banking effects are unclear. The uncertainties include, among others, the length of time necessary for a full economic recovery, how quickly businesses are able to reopen and return to pre-pandemic operations, and consumer behavior during and after the pandemic, which could have longer-term effects on the condition and performance of the banking industry. Thus far, the industry has remained a source of strength for the economy, in part, because banks' stronger capital position has better positioned them to withstand losses compared to 2008. As of June 30, 2020, capital remained above regulatory minimums and the industry ratios for tier 1 risk-based capital and total risk-based capital exceeded the ratios reported at year-end 2007 by several percentage points. To anticipate declines in capital that could trigger losses from IDI failures, the FDIC also monitors other measures, such as earnings, asset quality, and supervisory ratings. Thus far, while economic stress related to COVID-19 has impacted IDI earnings and lowered net interest margins, asset quality and supervisory ratings generally remain strong. As of June 30, 2020, 1.08 percent of loan and lease balances were noncurrent, up from a year ago, but below the peak of 5.46 percent in the first quarter of 2010. The total number of institutions on the FDIC's Problem Bank List fell to 52 in the second quarter of 2020, continuing the decline in the number of problem banks that has occurred in every quarter since its peak of 888 institutions in March 2011.\9\ Under the Restoration Plan, the FDIC will monitor these and other measures to project potential losses from past and future IDI failures and their impact on the ability of the reserve ratio to return to 1.35 percent within 8 years of establishing the Plan. --------------------------------------------------------------------------- \9\ ``Problem'' institutions are institutions with a CAMELS composite rating of ``4'' or ``5'' due to financial, operational, or managerial weaknesses that threaten their continued financial viability. --------------------------------------------------------------------------- Other Factors Other factors that affect the reserve ratio include changes in IDI risk profiles, which influence assessment rates; growth in the assessment base; DIF investment income and unrealized gains and losses on investments; and operating expenses. For example, under the current rate schedule adopted pursuant to the FDIC's long-term fund management plan,\10\ the weighted average assessment rate for all IDIs is approximately 4.0 basis points for the assessment period ending June 30, 2020.\11\ In future quarters, this rate may increase or decrease based on the risk profiles of institutions, affecting the DIF balance and, thus, the reserve ratio through assessment income. Under the Restoration Plan, the FDIC will monitor these factors and their impact on the ability of the reserve ratio to return to 1.35 percent within 8 years of establishing the Plan. --------------------------------------------------------------------------- \10\ See 12 CFR 327.10(b); see also 76 FR 10672, 10718 (Feb. 25, 2011) and 81 FR 32180, 32202 (May 20, 2016). \11\ The quarterly weighted average assessment rate was calculated based on FDIC data as of August 24, 2020, and is subject to change due to amendments made through September 28, 2020, to IDIs' quarterly Consolidated Reports of Condition and Income or quarterly Reports of Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks (as applicable). --------------------------------------------------------------------------- Current Schedule of Assessment Rates and Fund Projections In developing this Restoration Plan, the FDIC projected the DIF balance and associated reserve ratio at the end of 8 years, using the current rate schedule and assuming different rates of insured deposit growth.\12\ While subject to considerable uncertainty, it is the FDIC's view that raising assessments based on two quarters of extraordinary insured deposit growth would be premature. --------------------------------------------------------------------------- \12\ For simplicity, the analysis shown in Table 2 assumes that: (1) The assessment base grows 4.5 percent, annually; (2) the average assessment rate remains at 4.0 basis points; (3) interest income on the deposit insurance fund balance is zero; and (4) operating expenses grow at 1 percent per year. --------------------------------------------------------------------------- Table 2 depicts the amount of losses that the DIF could absorb and still reach 1.35 percent within 8 years. For example, if insured deposits grow at an annual rate of 2.5 percent over the next 8 years, the DIF could absorb losses of up to $23.7 billion and still reach the minimum reserve ratio requirement within 8 years. Alternatively, if insured deposits grow at an annual rate of 4.5 percent over the next 8 years, the DIF would need an additional $1.5 billion for the reserve ratio to reach the 1.35 percent minimum. [[Page 59309]] Table 2--Projected Reserve Ratio at the End of 8 Years Assuming Different Rates of Insured Deposit Growth -------------------------------------------------------------------------------------------------------------------------------------------------------- Amount available to Industry insured DIF Balance needed to absorb losses and Annual insured deposit growth rate [percent] deposits [billions of DIF Reserve ratio reach 1.35 percent reach 1.35 percent dollars] [percent] reserve ratio [billions reserve ratio [billions of dollars] of dollars] -------------------------------------------------------------------------------------------------------------------------------------------------------- 2.5................................................. 10,835 1.56 145.7 23.7 3.0................................................. 11,279 1.50 151.7 17.7 3.5................................................. 11,739 1.44 157.9 11.5 4.0................................................. 12,215 1.39 164.3 5.1 4.5................................................. 12,708 1.33 170.9 (1.5) -------------------------------------------------------------------------------------------------------------------------------------------------------- It is reasonable that annual insured deposit growth could average less than 4.5 percent over the next 8 years for two main reasons. First, annualized growth has been less than 4.5 percent or negative during most (57 percent) quarters since quarterly reporting was adopted in 1991. Most importantly, as previously discussed, deposit growth could face downward pressure in the near-term based on economic conditions, as the consumption and investment patterns of individuals and households exhibit less precautionary behavior and as surge deposits are disbursed or leave the banking system, with growth rates normalizing over the next 8 years. For example, if insured deposits grow at an annual rate of approximately 3.3 percent over the next 8 years, reflecting the flow of surge deposits out of the banking system and a return to normal consumer behavior, then the long-term growth rate (including extraordinary growth during the first two quarters of 2020) would equal the long-term average rate of 4.5 percent that the fund has experienced since the 1990s. Under this scenario, the table above shows that losses would have to exceed $11.5 billion to prevent the reserve ratio from reaching 1.35 percent in 8 years. Due to the uncertainties discussed elsewhere, losses from bank failures remain difficult to project. However, the banking industry is well capitalized, the problem bank list remains low, and the banking industry has appeared resilient to the early stages of the economic effects of the pandemic. As the effect of the pandemic on the banking industry becomes more apparent, the FDIC will reassess its analysis of insured deposit growth, potential losses, and other factors that affect the reserve ratio. Semiannual Updates of Income and Loss Projections It is the FDIC's view that frequent updates are necessary because loss and reserve ratio projections made so far into the future are subject to considerable uncertainty. Losses could differ from projected amounts if economic conditions worsen or financial stresses facing IDIs prove more or less severe. For example, DIF loss projections may increase if the quality of IDI assets quickly deteriorates or capital markets become severely constrained, and income could be affected by the factors described previously. Insured deposit growth could be higher or lower based on future economic conditions and the response of fiscal and monetary authorities and depositors. Future updates to the Board may result in changes in assumptions that result in different assessment revenue needs. Consequently, in order to fulfill the statutory requirement to return the fund reserve ratio to 1.35 percent, the FDIC may need to adopt higher assessment rates than those included in the current assessment rate schedule. Under assessment regulations, the Board has the authority to adjust assessment rates for all IDIs by up to two basis points, without notice and comment, if conditions warrant such an increase.\13\ Any increase greater than two basis points would require notice and comment. Given the considerable uncertainty of long-range projections and because the statutory deadline is 8 years away, the Restoration Plan maintains the current assessment rate schedule for all IDIs. --------------------------------------------------------------------------- \13\ The Board may increase or decrease the total base assessment rate schedule up to a maximum increase of 2 basis points or a fraction thereof or a maximum decrease of 2 basis points or a fraction thereof (after aggregating increases and decreases), as the Board deems necessary. See 12 CFR 327.10(f). --------------------------------------------------------------------------- Federal Deposit Insurance Corporation. By order of the Board of Directors. Dated at Washington, DC, on September 15, 2020. James P. Sheesley, Assistant Executive Secretary. [FR Doc. 2020-20690 Filed 9-18-20; 8:45 am] BILLING CODE 6714-01-P
This site is protected by reCAPTCHA and the Google
Privacy Policy and
Terms of Service apply.


text:
Dorothea Lange's iconic California image 'Migrant Mother' resonates in today's social turmoil
Dorothea Lange was driving by a pea pickers' camp on the California coast when she stumbled across a weary mother and her many children huddled in a lean-to.
It was 1936, during the throes of the Great Depression, and Lange took out her camera.
The image she titled "Migrant Mother" became the late photographer's most famous work, capturing the dirt and despair of that era through the eyes of a 32-year-old woman who had just sold her car tires for food.
The photograph, digitally scanned and enlarged, is a dominant feature of a new exhibit at the Oakland Museum of California called "Dorothea Lange: Politics of Seeing." The exhibit of 100 of Lange's photographs includes Dust Bowl migrants, Japanese Americans incarcerated during World War II, the homeless and postwar urban decline.
RELATED: The story of the photo
The show also features the work of three modern photographers — Ken Light, Janet Delaney and Jason Jaacks — who were influenced by Lange's work.
Drew Johnson, who curated the show, said Lange's focus on poverty is timely in an age of economic disparity. The forced relocation of Japanese Americans during WWII echoes today's debate over proposed travel bans, he said, and her postwar work on changing cities precedes battles over gentrification in places like San Francisco and Oakland.
"We live in troubled times, as you know, and I think it is impossible not to visit the exhibit and make some connections to things happening today," Johnson said. "It shows how a photographer can assume the role of activist to try to instigate social change."
Lange, born in 1895 in Hoboken, N.J., ran a portrait studio in San Francisco in the 1920s before becoming a pioneer of documentary photography.
When the Great Depression hit, Lange had only to look outside the windows of her studio in downtown San Francisco for subjects. One of her earliest and most recognized works is "White Angel Breadline," showing a lone man with a tin cup facing away from a San Francisco soup kitchen in 1933.
Her most famous photograph was of 32-year-old Florence Owens Thompson, a mother of seven, at a pea pickers' camp in the town of Nipomo, Calif.
An exhausted Lange was driving from Southern California to her home in Berkeley when she stumbled upon the family. Thompson had just sold her tires so her family could eat. She was sitting in a tent with her children, a baby at her breast.
The Lange exhibit includes six other pictures made just before "Migrant Mother."
The major themes of the Lange exhibit are the Great Depression, the home front during WWII and urban decline and postwar sprawl in California.
Lange was known as a photographer of great empathy, someone who spent time with her subjects and took meticulous notes of their lives for detailed photo captions.
Ken Light, a social documentary photographer and photojournalism professor at UC Berkeley, says if Lange was alive today, she would be documenting homeless tent cities, the U.S.-Mexico border and poverty in California's Central Valley.
"Revisiting stories she did so well because these stories, they don't disappear," he said.
Documentary photographer Janet Delaney said Lange would be following the issue of homelessness, but her work may not have resonated in today's world.
"I think we all have image fatigue," Delaney said. "It's a tough story to get out."
The Oakland museum houses the largest collection of Lange's work, including 25,000 negatives and 6,000 prints that it received as a gift 50 years ago from Lange's husband, Paul S. Taylor. The exhibit coincides with the 50th anniversary of her death and the gifting of the archive.
Lange lived most of her life in liberal Berkeley. She battled the effects of polio, which she contracted at age 7, for the last two decades of her life and died of esophageal cancer in 1965.
Visitors have a chance to hear from Lange herself, in segments of a 2014 documentary by Lange's granddaughter Dyanna Taylor.
"In every direction that you look, the camera is a powerful instrument by saying to the world, 'This is the way it is. Look at it, look at it!'" she said.
The exhibit runs through Aug. 13.
More to Read
Start your day right
Sign up for Essential California for news, features and recommendations from the L.A. Times and beyond in your inbox six days a week.
You may occasionally receive promotional content from the Los Angeles Times.


text:
Participant's Voices
- Country : Myanmar
- Forum : 56th batch (2016 Autumn Forum)
Voice before the participation
Warmest greeting from Myanmar to the 56th participant friends and IATSS staff! When I first heard about IATSS forum, I just cannot turn back as it is for leadership program which will help me lead my company in an effective and efficient way. The more I came to know about the forum, the more I realize that it is a multicultural forum with participants coming across ASEAN region. As the forum will be held in Japan, one the strongest countries in Asia, I can also learn Japanese success stories in lecture, field study, home stay and cultural exchange.
Thank you so much IATSS forum committee for giving me the precious chance to join this unique program and to meet new friends. I am sure that I will be a better and stronger leader after the forum and I am going to share this wonderful experiences, contributing to Myanmar's tourism promotion.
I am keen to explore more of Japan and hopefully, to have more free time. I am counting days and cannot wait to meet you all in person very soon. Let's think and learn together!
All the best!
Sandi (Su Myat Sandi Oo), Myanmar
- 49th batch (2012 Autumn Forum)
- 50th batch (2013 Autumn Forum)
- 51st batch (2014 Spring Forum)
- 52nd batch (2014 Autumn Forum)
- 53th batch (2015 Spring Forum)
- 54th batch (2015 Autumn Forum)
- 55th batch (2016 Spring Forum)
- 56th batch (2016 Autumn Forum)
- 57th batch (2017 Spring Forum)
- 58th batch (2017 Autumn forum)
- 59th batch (2018 Spring Forum)
- 60th batch (2018 Autumn Forum)
- 61st batch(2019 Spring Forum)
- 62nd batch(2019 Autumn Forum)


text:
An excellent villa of modern construction, with an endless sea view, in the area of Syvota in Lefkada.
The property is part of a residential complex of 7 houses. It is built on a plot of 1,500sq.m., it occupies a total of 260sq.m. and it is developed in 2 levels.
The ground floor consists of a living/dining area with an open plan kitchen and access to the outdoors, 6 bedrooms with en-suite bathrooms and a storage room.
The upper level provides a spacious suite which offers 1 master bedroom, a sitting area and 1 bathroom.
The property offers a beautifully designed outdoor space including a pool and wonderful sea views and it comes with a parking space.
The property is due to be delivered in the winter of 2025.
A luxurious residence, with unobstructed views of the Ionian Sea, in the area of Syvota in Lefkada.


text:
How your debt-to-equity ratio can help you better understand your financial picture
straight to your inbox
Debt-to-equity ratios are often discussed in investing circles, but they are also an important number to keep track of as a business owner or internal finance department.
In investing, this number is used to analyze potential stock purchases. A high debt-to-equity ratio signals risk for an outside investor.
Part of the reason for knowing your debt-to-equity ratio is important is exactly that—it affects your ability to raise capital and receive programmatic funding from lenders and investors.
More importantly, this metric gives you and your team insight into the financial health of your business and helps guide strategic decisions. Is now the best time to invest in growth? Is the business at risk of becoming insolvent? These are the types of questions that debt-to-equity ratios untangle.
This article will cover the ins-and-outs of debt-to-equity ratios, including how to calculate it, how to interpret it, and benchmarks by industry.
What is the debt-to-equity ratio?
In business, debt-to-equity ratio (D/E ratio) is a metric that can be used to give more insight into the financial health of a company. It measures the amount of money a business has borrowed vs the amount that is "owned."
The D/E ratio is expressed as a percentage. The higher the percentage, the higher the proportion of debt a business has compared to shareholder equity.
Although it is useful to know, your D/E ratio is not a standalone metric. It's best to combine it with other financial information such as profitability calculations, operating margins and other financial metrics.
Debt-to-equity ratio formula and calculation
Debt-to-equity is calculated by taking your total liabilities and dividing them by shareholder equity. In other words, take money the business owes and divide it by money the business has.
Although the formula is simple, using it properly requires a thorough understanding of what counts as "liabilities" and "shareholder equity."
Definition of liabilities
In this context, a liability is any money you owe someone or would owe someone if the business shuts down. This includes debts from bank loans, as well as unpaid invoices and contracts.
For example, let's say you own a restaurant and have a year-long lease on a building. Even if the business shuts down, rent is a liability until the lease is over. That is a liability that needs to be taken into consideration when calculating your D/E ratio.
A comparable example for online businesses would be a software contract that must be fulfilled.
To understand your liabilities, it's important to look at billing cycles for your operations. How much do you owe and when?
Definition of shareholder equity
Shareholder equity is the amount of money that would be distributed to shareholders after all assets are liquified and all liabilities are subtracted.
In the restaurant example, shareholder equity would be:
A comparable example in an online business would be:
Calculating your debt-to-equity ratio
The values of "liabilities" and "shareholder equity" may vary. Subsequently, D/E ratios often fall into a range.
For example, one person may count a full year building lease as a liability. Another may argue that because the lease can be terminated early, only a few months of the lease actually count as a liability.
Similarly, different estimates may be given for individual assets. One person could count on the market value of resold items. Another person could argue that there is no guarantee that items would be resold, and choose to leave them off the "assets" category.
In general, finance teams tend to lean into conservative estimates. It's better to overestimate debts and underestimate assets than the other way around.
But at the end of the day, what matters most is that you use consistent logic on your balance sheet. If you define something as an asset, always mark it as an asset. Use the same methodology for liabilities.
How finance teams should interpret debt-to-equity ratio
When you're thinking about how to measure your companies performance, your debt-to-equity ratio will land you with a deceptively simple number.
While it's a great metric to have, it should not be used independently. Just like any other metric, debt-to-equity ratios should be interpreted holistically. It is one data point that paints a picture of your business's financial health when combined with other metrics and context.
With that being said, understanding what D/E ratios signify is helpful for interpreting your data.
Equity ratios below 2.0
It is widely accepted that an equity ratio below 2.0 is a healthy benchmark for a business.
A D/E ratio of exactly 2.0 means that there is a 2:1 ratio of debt to shareholder equity in a business. In other words, the amount of debt is double the amount of equity.
Keeping your D/E ratio below this benchmark typically signals that your business is taking on a reasonable amount of debt.
But that doesn't mean that lower is better. If your D/E ratio is still positive, but below 1.0, this means that your company has more assets than liabilities. This typically signals that the business could be growing faster by taking on strategic debt.
In some cases, taking on too little debt can harm your business by stunting its growth potential and limiting access to capital and alternative funding options.
Equity ratios above 2.0
On the other side, equity ratios above 2.0 are typically seen as risky. This D/E ratio means that a business has more than double the amount of debt as it does equity.
For lenders, this signals that the business may not be financially capable of paying back extra debt. For businesses, this means that operations may be too reliant on borrowed money.
It's worth noting that your D/E ratio will vary quarter-to-quarter and year-by-year. In a quarter where strategic debt has been taken on, it is not a problem for your ratio to be a bit higher.
It becomes an issue when the strategic debt doesn't lead to increased profit. If your business regularly takes on debt that does not lead to profit growth, you will see your D/E ratio plateau or increase. The more consistently this happens, the more it indicates that different decisions need to be made.
Negative equity ratios
The only way for a D/E ratio to be negative is if shareholder equity is negative. This signals that after all debts are paid, shareholders will still owe money. This indicates that the business is not profitable and may signal a risk of bankruptcy.
Again, all businesses will see a fluctuation of D/E. A single data point does not guarantee catastrophe. But if negative D/E becomes a trend, it is time to rethink business decisions.
Debt-to-equity ratio by industry
While there are widely-accepted benchmarks, debt-to-equity ratios vary by industry. This is because the nature of each industry is different.
For example, agriculture is an industry that requires a lot of machinery and investment in land. According to the USDA, the debt-to-equity ratio for this industry is in the double digits, with the average being 15.7 in 2021.
On the opposite side, the average D/E ratio for technology companies is well below 1.0.
The best way to understand what is considered healthy for your industry is to contact your bank and ask which benchmarks they use. Even if you are not applying for a loan, knowing this number is a good indicator of where you stand in the competitive landscape.
Debt-to-equity vs. debt-to-assets vs. debt-to-income
These three metrics are often confused for one another, but only two are relevant for business purposes: debt-to-equity and debt-to-assets. Debt-to-income is used for personal finances, so we will not discuss it in-depth here.
The main difference between debt-to-equity and debt-to-assets is the time horizon. Debt-to-equity measures the long term financial health of a company, while debt to assets measures short term financial health.
If your debt-to-equity is within industry benchmarks, it means that even if you closed your business, you would be able to pay your debts and provide shareholders with a payout. Meanwhile, debt-to- assets measures what percentage of your assets are funded by borrowed money.
Debt-to-equity ratios are used for businesses, while debt-to-income ratio is used for individual finances.
While it varies by industry, anything below 2.0 is typically considered a good debt-to-equity ratio. If your ratio is below 1.0, this may signal that it is a good time to take on strategic debt for expansion efforts.
Debt to equity is calculated by taking your total liabilities and dividing them by shareholder equity.


text:
Issue link: https://jocdigital.uberflip.com/i/1184388
52 The Journal of Commerce | November 25 2019 www.joc.com By Colin Barrett Q&A Q A Terms of recognition Our terms of sale are FOB origin, and we ship freight collect. Some of our larger customers don't want their carriers tied up counting cartons on our dock and require us to load their shipments under the condition of SL&C (shipper's load and count). By allowing our customer's carrier to sign SL&C, are we in fact negating the FOB origin terms? Or is there a possibility that we may get a deduction for a shortage completely sepa- rate from recognizing the sale? Sales recognition is the heart of the matter, especially the timing of the sale as related to meeting monthly/quarterly sales goals. We seal all SL&C loads and require proof of the seal being intact before entertaining a transportation-related deduction. However, this does not prevent deductions, and it has been suggested by our auditors that because our customer took a deduction, we may have to back out the sale in one month and reapply it in the next because the risk of loss reverted back to our company, negating the terms, FOB origin. Would changing our terms of sale to ex-works (EXW) mit- igate these issues? Could the sales then be recognized when our customer's orders are on our dock ready for shipment and the information transferred to them to request routing? This could allow us the opportunity to eliminate SL&C by not forcing all of the pickups into a tight time frame, namely the last three days of the month. THESE ARE THE problems that can arise when you try to make the cart pull the horse. I'm quite aware of the factors that drive management to book sales as early as possible, but as your question shows, this can translate to an operational nightmare. By chunking time up into artificial increments — calendar months and annual quarters — the managerial priority puts all kinds of pressure on operations to distort its practices into the kind of hurry-up activity you describe at "the last three days of the month," let alone the quar- ter, solely to meet equally artificial sales goals. That said, there's no ready answer to your problem. The SL&C terminology doesn't negate your FOB origin terms, but it does allow the possibility of chargebacks. Nor will switching to EXW terms help at all. FOB origin, under the Uniform Commercial Code, means title to the goods transfers to the buyer at the time goods are loaded aboard the carrier's vehicle at your dock. The Incoterm ex-works goes a step further, shifting title to the buyer at the time goods are made ready on your dock for pickup by the carrier. But neither relieves you of responsibility for dis- patching the correct quantity of goods, which is where the SL&C notation — and fact — comes into play. Since you're not allowing the carrier to verify your count, which is what SL&C means, there's only your word that you shipped the right number of items. Especially given your practice of insisting that outgoing loads be sealed and be delivered with a clear seal record, in cases of shortage, the facts appear to support the view that a shortage didn't result from some in-transit loss but rather from a short dispatch. That's a problem you're going to find pretty hard to overcome. Under both terms of sale, the buyer only takes title to what you turned over to the carrier. And when the evidence supports the view that any shortage occurred before that time…well, you get the point. For what it's worth, I think your auditors are being overly cautious. Sure, it's important to keep your books dead honest. Even so, the attitude you say your auditors are displaying strikes me as excessive. Most merchandisers get returns from buyers; don't you? And most also have shipments that arrive damaged; again, don't you? Both situations can require ex post facto sales adjustments, and the effect is no different when you have to adjust for shortages. What's more, how long do the auditors propose to wait before recording the sale? A month won't do; lots of shortage claims take longer than that to filter down. To be sure no adjustment will have to be made, you'd have to wait at least until payment is received from your buyer, and even then belated claims can materialize up to the end of the statute of limitations, which is several years. When does this become plain silly? Generally accepted accounting practices (GAAP) say to record the sale when your responsibility has ended, so do so based on your FOB origin terms. JOC Consultant, author and educator Colin Barrett is president of Barrett Transportation Consultants. Send your questions to him at 5201 Whippoorwill Lane, Johns Island, S.C. 29455, phone (843) 559-1277, e-mail firstname.lastname@example.com. For compiled past columns and other transportation-related publications visit www.lopress.com/bookshelf.pdf. These are the problems that can arise when you try to make the cart pull the horse.


text:
Initialising ...
Initialising ...
Initialising ...
Initialising ...
Initialising ...
Initialising ...
Initialising ...
Ino, Kohei*; Hernsdorf, A. W.*; Konno, Yuta*; Kozuka, Mariko*; Yanagawa, Katsunori*; Kato, Shingo*; Sunamura, Michinari*; Hirota, Akinari*; Togo, Yoko*; Ito, Kazumasa*; et al.
ISME Journal, 12(1), p.31 - 47, 2018/01
Times Cited Count:45 Percentile:91.53(Ecology)In this study, we found the dominance ofanaerobic methane-oxidizing archaea in groundwater enriched in sulfate and methane from a 300-m deep underground borehole in granitic rock.
Miyakawa, Kazuya; Ishii, Eiichi; Hirota, Akinari*; Komatsu, Daisuke*; Ikeya, Kosuke*; Tsunogai, Urumu*
Applied Geochemistry, 76, p.218 - 231, 2017/01
Times Cited Count:14 Percentile:58.79(Geochemistry & Geophysics)no abstracts in English
Ino, Kohei*; Konno, Yuta*; Kozuka, Mariko*; Hirota, Akinari*; Togo, Yoko*; Fukuda, Akari*; Komatsu, Daisuke*; Tsunogai, Urumu*; Tanabe, Akifumi*; Yamamoto, Satoshi*; et al.
Environmental Microbiology Reports (Internet), 8(2), p.285 - 294, 2016/04
Times Cited Count:24 Percentile:66.58(Environmental Sciences)To understand the subsurface biosphere, borehole investigation was conducted for 300-m deep granitic rocks at the Mizunami underground research laboratory, Japan. The initial biomass was the highest with the flourish of aerobic H-oxidizing Hydrogenophaga spp., whereas an uncultivated lineage of the phylum Nitrospirae became predominant after three years with decreasing biomass. The common occurrence of many species of Nitrospirae and Chlorobi phyla at the geographically distinct sites and the exclusive detection of their phylogenetically related environmental sequences from deep groundwaters and terrestrial hot springs, suggest that these bacteria are indigenous and potentially adapted to the deep terrestrial subsurface.
Suzuki, Yohei*; Konno, Yuta*; Fukuda, Akari*; Komatsu, Daisuke*; Hirota, Akinari*; Watanabe, Katsuaki*; Togo, Yoko*; Morikawa, Noritoshi*; Hagiwara, Hiroki; Aosai, Daisuke*; et al.
PLOS ONE (Internet), 9(12), p.e113063_1 - e113063_20, 2014/12
Times Cited Count:11 Percentile:34.93(Multidisciplinary Sciences)We present multi-isotopic evidence of microbially mediated sulfate reduction in a granitic aquifer, a representative of the terrestrial crust habitat. Deep groundwater of meteoric origin was collected from underground boreholes drilled into the Cretaceous Toki granite, central Japan. A large sulfur isotopic fractionation of 20-60 permil diagnostic to microbial sulfate reduction is associated with the investigated groundwater containing sulfate below 0.2 mM. In contrast, a small carbon isotopic fractionation ( 30 permil) is not indicative of methanogenesis. Our results demonstrate that the deep biosphere in the terrestrial crust is metabolically active and playing a crucial role in the formation of reducing groundwater even under low energy fluxes.
Katsuyama, Chie*; Nashimoto, Hiroaki*; Nagaosa, Kazuyo*; Ishibashi, Tomotaka*; Furuta, Kazuki*; Kinoshita, Takeshi*; Yoshikawa, Hideki; Aoki, Kazuhiro; Asano, Takahiro*; Sasaki, Yoshito; et al.
FEMS Microbiology Ecology, 86(3), p.532 - 543, 2013/12
Times Cited Count:14 Percentile:37.14(Microbiology)Anaerobic microbial activity has a major influence on the subsurface environment, and should be considered in subsurface activities including the construction of radioactive waste repositories. We investigated denitrification and methanogenesis in anoxic groundwater from 140 m depth in two boreholes, where the redox potential fluctuated. The average maximum potential denitrification rates, measured under anaerobic conditions in the two boreholes using an N tracer. Methanogenesis candidates were detected by 16S rRNA gene analysis. Although the stable isotope signatures suggested that some of the dissolved methane was of biogenic origin, no potential for methane production was evident during the incubations. The groundwater at 140 m depth did not contain oxygen, had an Eh ranging from -144 to 6.8 mV, and was found to be a potential field for denitrification.
Kambe, Takashi*; Komatsu, Takuma*; Michiuchi, Takamasa*; Hayakawa, Hiroki*; Oishi, Daisuke*; Hanasaki, Noriaki*; Yoshii, Kenji; Ikeda, Naoshi*
Journal of Physics; Conference Series, 200, p.012077_1 - 012077_4, 2010/02
Times Cited Count:4 Percentile:80.59A magneto-electric effect (ME) was observed in a charge-ordered ferroelectric LuFeO. The dielectric response in a three-dimensional charge-ordered phase is strongly influenced by magnetic field, especially around the ferri-magnetic ordering temperature. We also show the relation between the oxygen stoichiometry and the ME signal character above the magnetic transition temperature.
Michiuchi, Takamasa*; Yokota, Yusuke*; Komatsu, Takuma*; Hayakawa, Hironori*; Kuroda, Tomoko*; Maeda, Daisuke*; Matsuo, Yoji*; Mori, Shigeo*; Yoshii, Kenji; Hanasaki, Noriaki*; et al.
Ferroelectrics, 378(1), p.175 - 180, 2009/00
Times Cited Count:18 Percentile:59.82(Materials Science, Multidisciplinary)We have synthesized the samples of LuFeO, which shows the ferroelectricity due to charge ordering of Fe ions, under several different reducing conditions using a CO-CO flow. The reducing condition was changed by changing a flow ratio of CO and CO. It was found that the flow ratio of CO/CO of about 5 provided the sample with the highest magnetic transition temperature of 240-250 K. This sample showed the dielectric constant of 10000 at room temperature. The imaginary part of the dielectric response offered the activation energy of 0.4-0.5 eV, which is slightly larger than that reported previously (about 0.3 eV). We will perform further investigation of the physical properties of this sample to clarify full details and their origin of LuFeO.
Yoshii, Kenji; Yoneda, Yasuhiro; Maeda, Daisuke*; Yokota, Yusuke*; Michiuchi, Takamasa*; Komatsu, Takuma*; Ikeda, Naoshi*; Matsuo, Yoji*; Mori, Shigeo*
Japanese Journal of Applied Physics, 47(9), p.7599 - 7602, 2008/09
Times Cited Count:8 Percentile:33.42(Physics, Applied)We have investigated the physical properties of HoFeO and RR'FeO (R, R': rare earths). Dielectric measurements showed their dielectric constants of 1000 at around room temperature, which is characteristic of the RFeO series (R: rare earths). However, the magnetic transition temperatures and the coherency in dielectric response were found to be different from those of RFeO reported so far. Interestingly, these materials suggested higher ferroelectric temperatures than those reported so far, suggesting a possibility of application of these materials.
Hashimoto, Daisuke*; Komatsu, Keiichi*; Eguchi, Kenji*; Morizono, Koji
FAPIG, (175), p.23 - 28, 2007/07
The fast breeder reactor "MONJU" (hereafter "MONJU") is equipped with the system called "MONJU Integrated Data Acquisition System (MIDAS)" to effectively acquire, accumulate and analyze relevant real-plant process data gathered from the system start-up test. At present, "MONJU" has been suspended due to a sodium leak accident that occurred in 1995. However, the main part of remodeling construction to prevent sodium leaks was completed in May, 2007 and "MONJU" is highly expected to resume its operations, stepping into the practical testing phase. In this situation, "MIDAS" has been replaced with an upgraded version before the system start-up test was resumed. This paper describes overview of the new "MIDAS" system.
Komatsu, Takuma*; Kambe, Takashi*; Michiuchi, Takamasa*; Hayakawa, Hironori*; Oishi, Daisuke*; Hanasaki, Noriaki*; Ikeda, Naoshi*; Yoshii, Kenji
no journal, ,
LuFeO is a ferroelectric material arising from the real-space ordering of Fe charges below 330 K. In this paper, we measured the magnetic-field dependence of dielectric response in this material. We report a change of dielectric constant depending on the measurement temperature and applied magnetic field.
Konno, Yuta*; Fukuda, Akari; Kozuka, Mariko*; Komatsu, Daisuke*; Tsunogai, Urumu*; Aosai, Daisuke; Mizuno, Takashi; Suzuki, Yohei*
no journal, ,
Our knowledge of biogeochemical processes mediated in those associated with freshwater should be integrated. We collected the groundwater samples from 200 m to 1150 m depths below ground level at Mizunami Underground Research Laboratory located in central Japan. We measured the concentration and both hydrogen and carbon isotopic compositions of dissolved methane, total inorganic carbon (TIC) and molecular hydrogen. The origin of methane could be speculated to be not biogenic CO reduction or acetate fermentation but thermogenic or abiogenic. In contrast, C1/C2+C3 ratios supported biogenic methane production. The 300 m deep samples were enriched in hydrogen and acetate and depleted in sulfate, which is characteristic of acetogenesis. From these results, it is suggested that the production of acetate rather than methane could be dominant biogeochemical processes in the reducing portions of freshwater aquifers in granitic rocks.
Konno, Yuta*; Komatsu, Daisuke*; Nishimura, Shusaku*; Fukuda, Akari; Aosai, Daisuke; Mizuno, Takashi; Nagao, Seiya*; Tsunogai, Urumu*; Suzuki, Yohei*
no journal, ,
no abstracts in English
Miyakawa, Kazuya; Mizuno, Takashi; Hirota, Akinari*; Komatsu, Daisuke*; Tsunogai, Urumu*
no journal, ,
no abstracts in English
Miyakawa, Kazuya; Mizuno, Takashi; Ishii, Eiichi; Hirota, Akinari*; Komatsu, Daisuke*; Ikeya, Kosuke*; Tsunogai, Urumu*
no journal, ,
no abstracts in English
Miyakawa, Kazuya; Ishii, Eiichi; Mizuno, Takashi; Hirota, Akinari*; Komatsu, Daisuke*; Ikeya, Kosuke*; Tsunogai, Urumu*
no journal, ,
no abstracts in English


text:
475+ Creative And Cool Drink Names for You That Will Make You Happy
There is always a fun way to do what you love doing, especially if it has to do with business. If you are considering starting a drink store, then you should check out some of these drink names ideas.
As you read through this article, you will definitely find some creative and cool drink name ideas that you can use in order to boost your business online preference and also make people happy.
It is always fun to find new ways you can make your business known while also satisfying people's needs.
Since everyone is trying to outrun other people in the marketplace, you should, however, step up your game or you will be found lacking behind and your business will in turn fail.
More so, there are over 8,000 drinks on the market, but what makes one different from another is the creative names used for it. This is because no one wants to buy a drink that doesn't capture them.
Now, let's get ourselves acquainted with some of the drinks names ideas.
Drink Names
Here are some creative and catchy drink names for your inspiration:
- Dressed Up Drinks
- Scented Ticker
- Triple Sec Margarita
- High Blood
- Zitty Drinks
- Raspberry Margarita
- Bahama Mama
- Mezcal Paloma
- Almond Orb
- Cucumber Teaser
- Paranoid Buzzer
- Godfather
- Lager Murder
- Thirst
- Madras
- Hot Soda
- Vodka Tonic
- Vodka Gimlet
- Nimble Smooch
- Baileys White Russian
- Harvey Wallbanger
- Vodka and Coke
- Southside
- Blue Lagoon
- Nasty Punch
- Big Bubble
- Strawberry Sangria
- Uproar Drink
- White Russian
- Spiced Sour
- Negroni Sbagliato
- Northern Bubble
- Rum Punch
- Old Pal
- Arctic Wine
- French 75
- Wisconsin Old Fashioned
- Quest Drink
- Tequila and Coke
- Siesta
- Bubble Berry
- Ramos Gin Fizz
- Thriven Drink
- The Front
- Pineapple Margarita
- Apple Cider Sangria
- Spring Tea
- French Connection
- Amaretto Coffee
- Happy Hydro
- Sweet like Honey
- Last Word
- Blue Long Island Iced Tea
- Strawberry Daiquiri
Hard Drink Names Ideas
- Bloody Caesar
- Thirst Thrift
- First Sizzle
- Drink Eruption
- Cosmopolitan
- Splingo
- GrillFill
- Frosted Sunset
- Tequila and Tonic
- Angel Red Wine
- Kalimotxo (Red Wine & Coke)
- Campari and Soda
- Brown Derby
- Hydro Handled
- Gentle Blaze
- Irresponsible Spotter
- Sassa
- Dark Ale Heaven
- Pineapple Jalapeno Margarita
- Sweet Nectar
- Oaken Brandy
- Thyme Enigma
- Lemongrass Vodka
- Fruit Juice Fizz
- Southside Fizz
- Tea Score
- Clover Club
- Shandy, Summer Shandy or Grapefruit Shandy
- Cream Infinity
- Revolver Cocktail
- Jammin Juice
- Hurricane
- Cranberry Margarita
- Bubble Bar
- Red Wine Paradise
- Baseline Drink
- Mango Daiquiri
- Daiquiri (Classic)
- Vampire's Kiss / Love Potion
- Martini (Classic)
- Melon Slingshot
- All Natural Nectar
- Sticky Nightfall
- Bottles Up
- Blackberry Margarita
- Quench Redemption
- Noxious Paradise
- Marcell
- Blood Orange Martini
- Peach Martini
- Whiskey Sour Mix
- Simple Soda
- Vesper Martini
- Everman
Cool Drink Names
Here are some cool drink names ideas that will make people happy;
- Skinny Margarita
- Bottoms Up
- Cheers to That
- Angel Punch
- Torque!
- Gin Basil Smash
- Gentle Drop
- Maple Old Fashioned
- Honey Ticker
- Kiwi Fantasy
- High Slush
- Kiwi Infinity
- Passion Fruit Hopper
- La Louisiane
- Whiskey Sour with Egg White
- Drink a Drink
- Old Timey Pop
- Gin Mojito
- Pomegranate Martini
- The Quencher
- Black Russian
- CarboCherry
- Spiked Hot Chocolate
- Noble Bull
- Cucumber Martini
- Razzleberry
- Rose Sangria
- Boutique Drink
- Pineapple Sour
- Proton Beverages
- Tarragon Horror
- Black Manhattan
- Rotten Rush
- Gin Sour
- Marvel Stitch
- Boiled Nightfall
- Blackberry Bourbon Smash
- Grape Dreams
- Fruit Venom
- First Thirst
- River Tea
- Warm Lord
- CarboSoda
- Mezcal Negroni
- French Martini
- White Negroni
- Palm Red Wine
- Orange Obsessions
- Whiskey Sour
- Springoo
- Mango Margarita
- Brandy Alexander
- Tequila Lemonade
- Kir Royale
Funny Drink Names
There is no point in being too serious all the time, you can always put some fun into what you do. Check out the funny drink names below.
- Cointreau Margarita
- Aeppin
- Cynar Negroni
- Sugary Riddle
- Rosemary Drop
- Double Up Drinks Dutiful Drinks
- AlphaRoots
- Melon Lagoon
- Americano
- Key Lime Martini
- Bottle Up
- Chocolate Martini
- Lemonade Four
- Gibson Cocktail
- Yellow Bird
- Tribe Drinks
- Burning Seven
- Forest Freedom
- Orange Tang
- Texas Margarita
- Georgia Peach
- Aperol Cocktail
- BilBil Drink
- Frozen Mojito
- Frozen Sangria
- Razzleberry Extreme
- Drink Up
- Rosemary Fizz Cocktail
- Nutmeg Nectar
- Extreme Infusion
- Red Wine Spritzer
- Bottling Up
- Metal Milk
- Hibiscus Margarita
- Sweet Spot Soda
- Rushed Rumble
- Peach Mojito
- Mead Joke
- Milk Java
- Grapefruit Margarita
- Fallen Infusion
- Chilled Slingshot
- Mango Martini
- Blackberry Mojito
- Orange Dreams
- But First
- Get Your Gulp
- Red Wine Duke
- CarboDrink
- Sea Breeze
Unique Drink Names
Do you wish to stand out from competitors, then get a name or two from the list below;
- Bloody Mary (Classic)
- CarboTime
- White Wine Spritzer
- Scream Soda
- BlueGram
- Mai Tai
- Brooklyn
- Frozen Daiquiri
- Lemonade Sunrise
- Brandy Manhattan
- Smoked Old Fashioned
- Dirty Martini
- Vodka Fluffy
- Watermelon Margarita
- Derbana Drinks
- Pineapple Mojito
- Blueberry Horror
- Carbonation Nation
- Gin and Lemonade
- Hello Hydration
- Watermelon Martini
- Lime Rickey
- Lemonade Smash
- Old Pal Cocktail
- Fantom
- Rum and Coke
- Prado Drinks
- Swig
- Burning Hopper
- Watermelon Sangria
- Black Delight
- Peppermint Earthquake
- Bellini
- Fury Boost
- Champagne Punch
- Alabama Slammer
- Boost Bar
- Milk Punch
- Strawberry Tea
- StudioShark
- Thrive Thirst
- Pop and Swish
- Bourbon Smash
- Moscow Mule (Classic)
- Basil Gimlet
- Watermelon Parody
- GoodMinute
- Danger Liquid
- Icy Flash
- Tea Blossom
- Long Island Iced Tea
How to Come up With Creative Drink Names Ideas
Have you tried coming up with a good name for a drink you just finished making?
If you have, then you've probably spent hours trying to come up with these drink names, but you still end up with the same boring names that are not satisfying to you every time.
We are here to help you with this problem. we've collected some drink names from different sources, including comics, novels, and movies, which you can use to come up with a name for drinks.
Here are some tips to create drink names.
1. Avoid Difficult Names
Some names are creative but turn out to be very difficult to understand and pronounce. Although they might look cool, they should be ignored.
This is because they aren't easy to understand. People try to avoid all these kinds of names because they don't want to bore or stress their customers with them.
When a name has difficult-to-understand words, it becomes impossible for the customers to understand it.
2. Make Sure you Keep it Short
Have you ever tried to pronounce a word or two from a brand or in a store? If so, you know how difficult it can be.
You might begin with many names and eventually, you find one that you like, but getting it right the first time is always very challenging.
This is because they are long and most times boring. You should find names that are short and simple.
3. Make it Easy to Understand
Have you ever considered how stressful it is to have a long name for a brand? You need something that is straight to the point and not too common.
Drink names that are short and creative are usually memorable too. To make a name last long in people's minds, make sure it is easy to understand and say aloud.
When a name is easy to understand, it freely fits in the subconscious mind of people and thus leaving a memory in their mind.
To personally know whether your selected name is memorable or not, say it a few times loudly and you will come to know if it's easy to grab or not.
Drink names are one of the great ways to help your child become more imaginative, and they can be used for fun activities like gaming, story-making, social media and so much more.
They, however, are a big problem to come about. Maybe it doesn't bother you, but for others, it's a struggle process they'd like to skip.
This is why we have provided some of these drink names ideas to help you stay away from the negative ones.


text:
The Halloween festivities are set to kick off in Pokémon Sword and Shield next month with the Spooky Cup online competition event making its return again in 2021.
Registrations for this online competition are now live with the event set to take place from Oct. 14 to 17. Participants will take home 50 BP for their hard work.
The 2021 Spooky Cup is a double battles competition that will only allow a limited pool of Pokémon to be used during the event. These Pokémon were selected as the more spooky species within the game, so there are plenty of ghost-types to choose from. Twitter user PLDH shared a list of all Pokémon eligible for the event.
If you plan on participating in the action, you can register now by navigating to the menu on your Sword and Shield game. Select the VS. option, choose Battle Stadium, then Online Competitions, and search for official competitions. If done correctly, you'll see the sign-up for Spooky Cup 2021.
If you're eager to make the most of the event, you can compete in a maximum of 15 battles each day that it runs. Right now there isn't any further news of what will be next after the Spooky Cup, but make sure to enjoy this Halloween-themed event while you can.


text:
The below is a product review for HailTonic For Bad Breath that will explore all the real facts about this product. The manufacturer claims that this product will help support natural cleaning of your mouth as well as your digestive system while also maintaining healthy gums. The manufacturer advises that this product is not a substitute for dental care although it does claim to benefit the overall health of your mouth.
- Kali Phos 6C HPUS
- Silicea 6C HPUS
- Carduus Mar 3X HPUS
- Nat Sulph 6C HPUS
Kali phos 6c may assist with bad breath and bleeding gums. Silicea 6c might help with an abscess on beneath teeth and boils found on the gums. Carduus mar 3x may assist the liver and digestive system. Nat sulph 6c may prevent and treat blisters found on the palate.
The manufacturer of this oral hygiene supplement suggests that this product is safe for all ages to use and recommends that you should take two tablets, two to four times per day. They also suggest that this product is safe to use during pregnancy and lactation and that one bottle should last at least 22 days.
This product should cost you $39.95 for one bottle, which is just under a months supply and you can purchase it online directly through the manufacturer's website on the products webpage. There are no discounts available which are greatly disappointing because this is a rather expensive product that won't last a full month.
The manufacturer offers a full money back guarantee that is valid for a full year from purchase according to their website. They do state that the product may be opened or unopened and that they would insist you try the product for at least 30 days, which is unfortunate considering that this product won't last that long and therefore, in order to qualify for a refund you would be required to order more than one bottle. This suggests that either the quantity the product is sold in, or the guarantee was poorly decided.
Native Remedies HaliTonic Review – Conclusion
This product does have a guarantee and it also has some good ingredient which could suggest that it might be an ok product, however, based on our research this product may be lacking in some ingredients which could probably boost the effectiveness and compared to other similar product is really does not seem to meet all the assumed requirements as far as ingredients go for oral hygiene care. This product is also extremely expensive and there are no discounts available which could make it more affordable and it is also sold in small quantities considering one bottle will not last a full month. Based on all the relevant information found for this product, it does not seem all that great and you would most definitely benefit from opting for a similar product available from trusted brands that have proven to be effective.


text:
Alan, Salih and Budak, Erhan and Özgüven, H. Nevzat (2010) Analytical prediction of part dynamics for machining stability analysis. International Journal of Automation Technology, 4 (3). pp. 259-267. ISSN 1881-7629 (Print) 1883-8022 (Online)
Restricted to Registered users only
Download (5MB) | Request a copy
Restricted to Registered users only
Download (5MB) | Request a copy
An analytical procedure is developed to predict workpiece dynamics in a complete machining cycle in order to obtain frequency response functions (FRF) which are needed in chatter stability analyses. For this purpose, a structural modification method which is an efficient tool for updating FRFs is used. The removed mass by machining is considered as a structural modification in order to determine the FRFs at different stages of the process. The method is implemented in a computer code and demonstrated on different geometries. The predictions are compared and verified by FEA. Predicted FRFs are used in chatter stability analyses, and the effect of part dynamics on stability is studied. Different cutting strategies are compared for increased chatter free material removal rates considering part dynamics.
Item Type: | Article |
Uncontrolled Keywords: | chatter stability, part dynamics, structural modification |
Subjects: | T Technology > TJ Mechanical engineering and machinery |
Divisions: | Faculty of Engineering and Natural Sciences > Academic programs > Mechatronics Faculty of Engineering and Natural Sciences > Academic programs > Manufacturing Systems Eng. Faculty of Engineering and Natural Sciences |
Depositing User: | Erhan Budak |
Date Deposited: | 01 Dec 2010 16:10 |
Last Modified: | 29 Jul 2019 12:06 |
URI: | https://research.sabanciuniv.edu/id/eprint/15597 |


text:
Family run 4 Star Boutique Hotel
Excellently located in the heart of Castlecomer steps away from Castlecomer Discovery Park.
Avalon House Hotel offers the perfect answer to accommodate everyone from solo-travellers to groups.
Relax in our newly renovated 4-star hotel and transport yourself into the world of elegance and privacy that characterises our boutique hotel.
Wrapped in a warm atmosphere, you will note how everything has been carefully thought of and tailored to complete the well-being of our hotel.
Situated less than 15 minutes walk from Kilkenny city centre the hotel is ideal for a business or leisure stay. All the spacious rooms offer ultra comfortable hypnos beds with crisp duvets,warm and inviting decor, ensuite bathroom with free toiletries and a hairdryer along with FREE Wifi and FREE car parking, this hotel is ideal for exploring Kilkenny. Breakfast is served each day, including fresh juice and freshly baked pastries and bread alongside hearty cooked breakfasts. Reuben's Restaurant serves an international menu as well as a kids' menu offering a wide amount of choice.For all our young guests, The Watershed Leisure complex, with its swimming pool and water slides, it is just 5 minutes' drive away, don't forget to get a discount card from reception. Kilkenny is also an excellent location for visiting historical sites such as the Kilkenny Castle and St.Canice's Cathedral. you can also enjoy the many shops restaurants and lively bars that Kilkenny has to offer.
Butler House is the Dower House of Kilkenny Castle and was home to the Earls of Ormonde who also built Kilkenny Castle, stables and coach house at the rear. Sweeping staircases, magnificent plastered ceilings, marble fireplaces and a charming walled garden are all features of this notable Georgian residence.Butler House boasts thirteen special rooms and suites, all with their own individual character. Designed to provide maximum comfort, each has a modern bathroom, and is decorated with soft coordinated fabrics and furnishings.Butler House Tea Room & Pantry are open daily from 10 am for morning coffee, lunch from 12 noon and Afternoon Tea from 2.30 pm. All day dining from 10 am to 7pm.
Welcome to The Club House Hotel Kilkenny As Kilkenny's oldest hotel, The Club House boasts 220 years of service. Our mission is for your comfort and enjoyment. The Hotel is situated on Patrick's Street in Kilkenny City Centre in a wonderfully restored Georgian building. The many attractions of our medieval City are on the hotels doorstep, from Kilkenny Castle to St. Canices Cathedral. You can stroll the Medieval Mile and discover hidden Gems of the City's history as well as magnificent boutique shopping. An outstanding array of Food, Drink and 'Night Life' are again minutes away. Here at the Club House Hotel we offer contemporary cuisine Lunch and Evening with meals served in the newly renovated Victors Bar & Restaurant.Our 28 beautifully appointed guest bedrooms are undergoing a complete refurbishment at present, and offer Luxury accommodation in a quirky Georgian building. We offer secure off street parking along with complimentary Wi-Fi to all our guests making us the ideal place to stay for your visit to our wonderful city.Jim & Ian Brennan along with our staff look forward to welcoming you. 2022Boasting 28 tastefully decorated en suite Bedrooms.2022Complimentary Wi-Fi throughout the hotel.2022City Centre location with private off street parking for all guests2022Home to the recently refurbished Victors Bar & Restaurant, one of Kilkenny's best. 2022Intimate & Small Wedding Venue.2022Distinctive Conference Centre.2022Family owned & run with a truly Irish Welcome.2022Our Period Features reflect our beautiful cities history & culture.Please Note Hotel Bedrooms are not suitable for persons with impaired mobility due to stairs. Contact the hotel for further details.
The 4 star Hotel Kilkenny is the ideal base from which to explore all the medieval city of Kilkenny has to offer. Experience a tour of the magnificent Kilkenny Castle, purchase some of the finest crafts in Ireland, enjoy a pint of Smithwicks after an informative brewery tour, wander through the unique medieval streets and enjoy an abundance of quaint coffee shops and bars.
The Kilford Arms is enviably located, just yards from the train/bus station, based in the City Centre. With 60 bedrooms it is small enough to offer a truly personal service, while offering an excellent range of facilities for our guests.Whether its business or pleasure, make the Kilford Arms your home away from home! Description: Guest Rooms: The Kilford Arms Hotel has 70 bedrooms, all ensuite, and equipped with satellite TV, telephones and hairdryers. Tea/Coffee making facilities.We have many room types to chose from, including double, twin, triple and family rooms. EntertainmentThe Kilford Arms is a great entertainment complex, with something for everybody! O'Faolain's fabulous 'super-pub' is built over 3 levels, with stunning architecture incorporating the ruins of a 16th century church! This new pub is a 'must-see' on your trip to Kilkenny, and it features late bar and DJs nightly and a New Heated Smoking Area to Rear. Credit Card Payment:No Third Party Credit Cards Accepted at this hotel. Credit Card Holder to be Present on Check In. Policies Deposit is required by hotel for group bookings. This is a security deposit separate to accommodation amount. Visa/Mastercard required for all Group Bookings. Names on booking not transferable without notification/agreement with hotel management.
Kilkenny Hibernian Hotel, a beautifully restored building located in the heart of Kilkenny City where Patrick Street & Ormonde Street meet. Our location is second to none with Kilkenny Castle on our doorstep and the cobbled medieval streets and lane ways of Kilkenny just around the corner from our Kilkenny City centre hotel.
At the hub of Ireland's Ancient East, the Kilkenny Ormonde Hotel lies in the heart of this remarkable City. Kilkenny's unique appeal is that it's home to someof Ireland's finest ancient treasures and at the same time offers a very cosmopolitan buzz with its cute cafés, craft studios and busy cultural scene.Easily accessible by bus or train, the Kilkenny Ormonde is the only city hotel with a leisure centre, swimming pool and Spa; offering pampering treatments using the renowned VOYA range of Irish organic products.This landmark 4 Star hotel is full of space and light with comfy sofas, relaxed all-day dining options and a lively bar in HOBAN Bar & Brasserie.From the hotel's wonderfully central location it's just a short stroll to attractions such as the magical Kilkenny Castle, the intriguing Medieval Mile Museum,St. Canice's Cathedral, Rothe House and the Smithwick's Experience.
With magnificent views of the city's 12th-century Kilkenny Castle, The Kilkenny River Court Hotel has a quiet location set in a private courtyard and conveniently situated back from the busy Kilkenny streets. The main shopping areas, theatres, entertainment, tourist attractions and Kilkenny's Medieval Mile are all close by right on the hotel's doorstep.
Location:The four star Langton House Hotel is the jewel in Kilkenny's medieval crown. Situated on the vibrant John Street in Kilkenny city centre, we are only a moment's walk from the Train & Bus Station. Only 60 mins Dublin. Property Highlights:Boasting 34 Beautifully appointed guest Bedrooms, incorporating a collection of suites, all designed with your comfort in mind. Our award winning Bars & Restaurants which are renowned for their high standards of service and excellence. The SET Theatre is the latest part of Langtons Hotel. Constructed in 2009 it is a state of the art venue which can hold 270 people seated and 350Local Attractions:A beautiful and ancient county where history, modern living and rich culture fuse together across an unspoiled landscape. Visit one of the Counties historical sites from Rothe House to St Canices Cathedral in the City Centre to the domain in Castlecomer & Dunmore Caves to name a few….
Set amid 170 acres of mature parkland and only 5 minutes from beautiful Kilkenny City, Lyrath Estate Hotel fuses stunning contemporary hotel design with the elegance of its original 17th century house, meeting and exceeding everything you would expect from a leading hotel. Kilkenny hotels don't come any better for short breaks and luxury accommodation.
The 4 star Newpark Hotel rests on the edge of medieval Kilkenny city, a cultural gem of festivals and historical sites.On over 40 acres of parkland, offering luxurious accommodation, a Health Club & Spa and fun filled kids' activities, this family friendly hotel is the ideal base for exploring Kilkenny.With elegant banqueting suites, suitable for a large or intimate Kilkenny wedding and spacious conference facilities, our dedicated team will ensure all your needs are met whether you are here for business or leisure.
Located a short walk from the centre of the city, Rosquil House offers the ambiance of a hotel with the best of Irish Hospitality. The award winning guest house has 7 luxury en suite bedrooms, a guest lounge to relax & read. Rosquil is a member of Good Food Ireland with breakfast a culinary treat of locally sourced produce and home baked bread & cakes. All this adds up to an experience not to be missed. Please enquire about the especially adapted ground floor bedroom for the mobility impaired.Self Catering Aparment available.
The Springhill Court Hotel in Kilkenny is the perfect place to stay. Many of our guests return time and again to soak up the genuine, friendly atmosphere that prevails at the Springhill Court Hotel, Spa & Leisure Club. Guests may choose from dining in Oscar's Bistro which serves excellent food in elegant surroundings. Or if you'd prefer a bar setting then sit back and relax with a delicious carvery lunch or evening meal in the Paddock Bar and enjoy live music on the weekends. Enjoy a nice coffee and sweet treat or light lunch in Kupp Coffee Dock and watch the world go by. We have 85 well-appointed bedrooms all have en-suite facilities, telephone, flat screen TV, free Wi-Fi, hair dryer and tea / coffee making facilities. We are very family friendly and our Playground is very popular along with Lenny Lion's Kids Club which operates during the summer months & school holidays. Whether you're looking for great place to workout, or do some swimming or maybe just relax in our Sauna, Steam room or Jacuzzi you are in the right place.
Situated in the heart of the Kilkenny city centre, Pembroke Kilkenny is the perfect hotel to enjoy the city's thriving arts culture, variety of festivals, boutique shopping and vibrant nightlife. Explore over 300 years of history and heritage just minutes' walk from Kilkenny's most famous landmarks including Kilkenny Castle, Kilkenny Design Centre, St Canice's Cathedral, Medieval Mile and Ireland's Ancient East
The elegant grandeur of a magnificent Georgian Manor House. The chic sophistication of Hunter's Yard. Our two residences draw on centuries of local Irish history to weave a rich tapestry of vibrant stories and memorable moments for every guest who stays with us… All wrapped up in the very finest contemporary comforts, state-of-the-art facilities and breath-taking surroundings imaginable.


text:
Service locations – Beginning visits
This week Ron and Sally Jo began visits to service locations. The first stop was to an interfaith organization, Interfidei, where Jace is assisting with the production of a video of their activities. Interfidei began in 1991 and focuses on interfaith dialog among youth because they are the future. They see interfaith dialog as more than religious theologies. It includes practical conversations about how to live together and how to deal with potential areas of conflict. As part of his assignment Jace will participate in seminars at a variety of locations and campuses.
Sophia and Emi are assigned to YAKKUM, an organization that offers both institutional and community based services to people with a variety of disabilities. They are conducting and recording interviews with clients, their families, and communities in a variety of locations. They also spend a lot of time at the main facility writing up their interviews and helping with different rehabilitative activities there. Occasionally they get to enjoy or help out in the coffee shop.