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Chapter 3
Lehi's sons return to Jerusalem to obtain the plates of brass—Laban refuses to give the plates up—Nephi exhorts and encourages his brethren—Laban steals their property and attempts to slay them—Laman and Lemuel smite Nephi and Sam and are reproved by an angel. About 600–592 B.C.
1 And it came to pass that I, Nephi, returned from aspeaking with the Lord, to the tent of my father.
2 And it came to pass that he spake unto me, saying: Behold I have dreamed a adream, in the which the Lord hath commanded me that thou and thy brethren shall breturn to Jerusalem.
3 For behold, Laban hath the record of the Jews and also a agenealogy of my forefathers, and they are bengraven upon plates of brass.
4 Wherefore, the Lord hath commanded me that thou and thy brothers should go unto the house of Laban, and seek the records, and bring them down hither into the wilderness.
5 And now, behold thy brothers murmur, saying it is a hard thing which I have required of them; but behold I have not required it of them, but it is a commandment of the Lord.
6 Therefore go, my son, and thou shalt be favored of the Lord, because thou hast anot bmurmured.
7 And it came to pass that I, Nephi, said unto my father: I will go and do the things which the Lord hath commanded, for I know that the Lord giveth no bcommandments unto the children of men, save he shall cprepare a way for them that they may accomplish the thing which he commandeth them.
8 And it came to pass that when my father had heard these words he was exceedingly glad, for he knew that I had been blessed of the Lord.
9 And I, Nephi, and my brethren took our journey in the wilderness, with our tents, to go up to the land of Jerusalem.
10 And it came to pass that when we had gone up to the land of Jerusalem, I and my brethren did consult one with another.
11 And we acast lots—who of us should go in unto the house of Laban. And it came to pass that the lot fell upon Laman; and Laman went in unto the house of Laban, and he talked with him as he sat in his house.
12 And he desired of Laban the records which were engraven upon the plates of brass, which contained the agenealogy of my father.
13 And behold, it came to pass that Laban was angry, and thrust him out from his presence; and he would not that he should have the records. Wherefore, he said unto him: Behold thou art a robber, and I will slay thee.
14 But Laman fled out of his presence, and told the things which Laban had done, unto us. And we began to be exceedingly sorrowful, and my brethren were about to return unto my father in the wilderness.
15 But behold I said unto them that: aAs the Lord liveth, and as we live, we will not go down unto our father in the wilderness until we have baccomplished the thing which the Lord hath commanded us.
16 Wherefore, let us be faithful in keeping the commandments of the Lord; therefore let us go down to the land of our father's ainheritance, for behold he left gold and silver, and all manner of riches. And all this he hath done because of the bcommandments of the Lord.
17 For he knew that Jerusalem must be adestroyed, because of the wickedness of the people.
18 For behold, they have arejected the words of the prophets. Wherefore, if my father should dwell in the land after he hath been bcommanded to flee out of the land, behold, he would also perish. Wherefore, it must needs be that he flee out of the land.
19 And behold, it is wisdom in God that we should obtain these arecords, that we may preserve unto our children the language of our fathers;
20 And also that we may apreserve unto them the words which have been spoken by the mouth of all the holy bprophets, which have been delivered unto them by the Spirit and power of God, since the world began, even down unto this present time.
21 And it came to pass that after this manner of language did I apersuade my brethren, that they might be faithful in keeping the commandments of God.
22 And it came to pass that we went down to the land of our inheritance, and we did gather together our agold, and our silver, and our precious things.
23 And after we had gathered these things together, we went up again unto the house of Laban.
24 And it came to pass that we went in unto Laban, and desired him that he would give unto us the records which were engraven upon the aplates of brass, for which we would give unto him our gold, and our silver, and all our precious things.
25 And it came to pass that when Laban saw our property, and that it was exceedingly great, he did alust after it, insomuch that he thrust us out, and sent his servants to slay us, that he might obtain our property.
26 And ait came to pass that we did flee before the servants of Laban, and we were obliged to leave behind our property, and it fell into the hands of Laban.
27 And it came to pass that we fled into the wilderness, and the servants of Laban did not overtake us, and we ahid ourselves in the cavity of a rock.
28 And it came to pass that Laman was angry with me, and also with my father; and also was Lemuel, for he hearkened unto the words of Laman. Wherefore Laman and Lemuel did speak many ahard words unto us, their younger brothers, and they did smite us even with a rod.
29 And it came to pass as they smote us with a rod, behold, an aangel of the Lord came and stood before them, and he spake unto them, saying: Why do ye smite your younger brother with a rod? Know ye not that the Lord hath chosen him to be a bruler over you, and this because of your iniquities? Behold ye shall go up to Jerusalem again, and the Lord will cdeliver Laban into your hands.
30 And after the aangel had spoken unto us, he departed.
31 And after the angel had departed, Laman and Lemuel again began to amurmur, saying: How is it possible that the Lord will deliver Laban into our hands? Behold, he is a mighty man, and he can command fifty, yea, even he can slay fifty; then why not us?


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It would have been hard to find a happier man than Erick Munoz on that Tuesday morning before Thanksgiving.
With a healthy and delightful son toddling around the house, and his beautiful and successful wife pregnant with their second child, the fire department paramedic had everything in life that's really important. So it must have been with a feeling of disbelief and horror that Munoz knelt across the nearly lifeless body of his wife, Marlise, on the kitchen floor at 2 a.m., his fingers linking across her heart, arms pumping away in vain.
She'd gotten up to make a bottle for their son and had been lying there for an hour not breathing before he found her.
Rushed to John Peter Smith Hospital in Fort Worth, Texas, Marlise Munoz was hardly alive.
What little life she clung to would soon slip away. On Thanksgiving Day, doctors told her husband what he already knew: His 33-year-old wife was gone. A blood clot in her lungs had killed her, perhaps. They weren't completely sure.
Doctors informed Munoz and Marlise's parents, Lynne and Ernest Machado, that the hospital wasn't going to disconnect Marlise from the ventilator. Texas law prohibited it because she was pregnant.
The Texas Advance Directives Act states, "A doctor may not withdraw or withhold life-sustaining treatment from a pregnant patient."
Munoz and his wife's parents told the hospital that Marlise, herself a veteran paramedic, had made it clear to everyone she didn't want to be kept alive by machines under any circumstances. The doctors and the hospital explained that it didn't matter what Marlise or her husband or anyone else wanted — their hands were tied. She would stay on the ventilator until her 14-week-old fetus was delivered or died.
The law protects the hospital from all liability as long as it keeps the pregnant patient on life support. It doesn't actually forbid the hospital to remove support, but the hospital loses its legal immunity if it does. And that seemed to be the guiding light for the lawyers representing John Peter Smith Hospital.
Marlise was dead by Thanksgiving. There was no activity at all in her brain or brain stem. It seemed too macabre to be true, like something out of the book Coma, keeping dead bodies "alive" to harvest their organs.
The media, no surprise, came running. And reporters began looking into this Texas Advance Directives Act, and interviewing its authors.
And the authors told reporters they never meant for their law to be used to keep a pregnant dead woman "alive" until the hospital could deliver the baby. They said if that's what John Peter Smith Hospital was doing, the hospital was misreading the law.
The authors said they intended to keep a pregnant woman who was in a persistent vegetative state on a ventilator until she could deliver, but not a dead pregnant woman. This was a major development in the story, but the hospital remained frozen. Marlise was still in "serious condition," the spokeswoman affirmed.
As the standoff approached the end of its second month, Erick Munoz had had enough. He sued John Peter Smith Hospital for "cruel and obscene mutilation of a corpse," that corpse being the love of his life.
When the case got to court last Friday it quickly fell apart for the hospital. Its lawyers conceded in their filing that Munoz had been brain-dead since Thanksgiving. The hospital also agreed her fetus wasn't viable; like its mother, it had been deprived of oxygen for at least an hour.
The hospital's defense of its conduct was a tortured interpretation of the Texas Advance Directives Act. "If the legislature intended for life sustaining treatment to be withdrawn, allowing the unborn child to die, it could have expressed this intent by adding a second sentence to section 166.049 to the effect that, upon the mother's death, the healthcare providers must withdraw life sustaining treatment and let the unborn child die," the legal response from the hospital said. "It did not so provide."
And so John Peter Smith Hospital maintained a corpse against the wishes of the family, for the protection of a fetus that couldn't live.
As anti-abortion and pro-Munoz protesters demonstrated outside the courtroom, State District Judge R.H. Wallace's ruling was direct and brief. "Mrs. Munoz is dead," he wrote. "Defendants are ordered to pronounce Mrs. Munoz dead and remove the ventilator and all other 'life-sustaining' treatment from the body."
As Wallace's verdict was read, Erick Munoz wept into his hands as his mother-in-law held him in her arms and cried.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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If you are not familiar with the industry, it can be difficult to find a detective agency in Madrid that you trust with their cases. The community of Madrid has the highest concentration of research companies in the state, and if you do not have references will be difficult for you to find a specialist to choose from.
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• ListeningSkills: Another aspect to consider when hiring a PrivateInvestigatoristhat he or sheknowshow to listen to his or herclient and remains focused and accountable for the informationthat he or she provides. Alsoclearlyunderstandwhatthepurpose of the investigations and the investigator wants to know what thecriteria are for the case.
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text:
Chapter 16
The wicked take the truth to be hard—Lehi's sons marry the daughters of Ishmael—The Liahona guides their course in the wilderness—Messages from the Lord are written on the Liahona from time to time—Ishmael dies; his family murmurs because of afflictions. About 600–592 B.C.
1 And now it came to pass that after I, Nephi, had made an end of speaking to my brethren, behold they said unto me: Thou hast declared unto us hard things, more than we are able to bear.
2 And it came to pass that I said unto them that I knew that I had spoken ahard things against the wicked, according to the truth; and the righteous have I justified, and testified that they should be lifted up at the last day; wherefore, the bguilty taketh the ctruth to be hard, for it dcutteth them to the very center.
3 And now my brethren, if ye were righteous and were willing to hearken to the truth, and give heed unto it, that ye might awalk uprightly before God, then ye would not murmur because of the truth, and say: Thou speakest hard things against us.
4 And it came to pass that I, Nephi, did exhort my brethren, with all diligence, to keep the commandments of the Lord.
5 And it came to pass that they did ahumble themselves before the Lord; insomuch that I had joy and great hopes of them, that they would walk in the paths of righteousness.
6 Now, all these things were said and done as my father dwelt in a tent in the avalley which he called Lemuel.
7 And it came to pass that I, Nephi, took one of the adaughters of Ishmael to bwife; and also, my brethren took of the cdaughters of Ishmael to wife; and also dZoram took the eldest daughter of Ishmael to wife.
8 And thus my father had fulfilled all the acommandments of the Lord which had been given unto him. And also, I, Nephi, had been blessed of the Lord exceedingly.
9 And it came to pass that the voice of the Lord spake unto my father by night, and commanded him that on the morrow he should take his ajourney into the wilderness.
10 And it came to pass that as my father arose in the morning, and went forth to the tent door, to his great astonishment he beheld upon the ground a round aball of curious workmanship; and it was of fine brass. And within the ball were two spindles; and the one bpointed the way whither we should go into the wilderness.
11 And it came to pass that we did gather together whatsoever things we should carry into the wilderness, and all the remainder of our provisions which the Lord had given unto us; and we did take aseed of every kind that we might carry into the wilderness.
12 And it came to pass that we did take our tents and depart into the wilderness, across the river Laman.
13 And it came to pass that we traveled for the space of four days, nearly a south-southeast direction, and we did pitch our tents again; and we did call the name of the place aShazer.
14 And it came to pass that we did take our bows and our arrows, and go forth into the wilderness to slay food for our families; and after we had slain food for our families we did return again to our families in the wilderness, to the place of Shazer. And we did go forth again in the wilderness, following the same direction, keeping in the most fertile parts of the wilderness, which were in the borders near the aRed Sea.
15 And it came to pass that we did travel for the space of many days, aslaying food by the way, with our bows and our arrows and our stones and our slings.
16 And we did follow the adirections of the ball, which led us in the more fertile parts of the wilderness.
17 And after we had traveled for the space of many days, we did pitch our tents for the space of a time, that we might again rest ourselves and obtain food for our families.
18 And it came to pass that as I, Nephi, went forth to slay food, behold, I did break my bow, which was made of fine asteel; and after I did break my bow, behold, my brethren were angry with me because of the loss of my bow, for we did obtain no food.
19 And it came to pass that we did return without food to our families, and being much fatigued, because of their journeying, they did suffer much for the want of food.
20 And it came to pass that Laman and Lemuel and the sons of Ishmael did begin to murmur exceedingly, because of their sufferings and afflictions in the wilderness; and also my father began to murmur against the Lord his God; yea, and they were all exceedingly sorrowful, even that they did amurmur against the Lord.
21 Now it came to pass that I, Nephi, having been afflicted with my brethren because of the loss of my bow, and their bows having lost their asprings, it began to be exceedingly difficult, yea, insomuch that we could obtain no food.
22 And it came to pass that I, Nephi, did speak much unto my brethren, because they had hardened their hearts again, even unto acomplaining against the Lord their God.
23 And it came to pass that I, Nephi, did amake out of wood a bow, and out of a straight stick, an arrow; wherefore, I did arm myself with a bow and an arrow, with a sling and with stones. And I said unto my bfather: Whither shall I go to obtain food?
24 And it came to pass that he did ainquire of the Lord, for they had bhumbled themselves because of my words; for I did say many things unto them in the energy of my soul.
25 And it came to pass that the voice of the Lord came unto my father; and he was truly achastened because of his murmuring against the Lord, insomuch that he was brought down into the depths of sorrow.
26 And it came to pass that the voice of the Lord said unto him: Look upon the ball, and behold the things which are written.
27 And it came to pass that when my father beheld the things which were awritten upon the ball, he did fear and tremble exceedingly, and also my brethren and the sons of Ishmael and our wives.
28 And it came to pass that I, Nephi, beheld the pointers which were in the ball, that they did work according to the afaith and diligence and heed which we did give unto them.
29 And there was also written upon them a new writing, which was plain to be read, which did give us aunderstanding concerning the ways of the Lord; and it was written and changed from time to time, according to the faith and diligence which we gave unto it. And thus we see that by bsmall means the Lord can bring about great things.
30 And it came to pass that I, Nephi, did go forth up into the top of the mountain, according to the adirections which were given upon the ball.
31 And it came to pass that I did slay wild abeasts, insomuch that I did obtain food for our families.
32 And it came to pass that I did return to our tents, bearing the beasts which I had slain; and now when they beheld that I had obtained afood, how great was their joy! And it came to pass that they did humble themselves before the Lord, and did give thanks unto him.
33 And it came to pass that we did again take our journey, traveling nearly the same course as in the beginning; and after we had traveled for the space of many days we did pitch our tents again, that we might tarry for the space of a time.
34 And it came to pass that aIshmael died, and was buried in the place which was called bNahom.
35 And it came to pass that the daughters of Ishmael did amourn exceedingly, because of the loss of their father, and because of their bafflictions in the wilderness; and they did cmurmur against my father, because he had brought them out of the land of Jerusalem, saying: Our father is dead; yea, and we have wandered much in the wilderness, and we have suffered much affliction, hunger, thirst, and fatigue; and after all these sufferings we must perish in the wilderness with hunger.
36 And thus they did murmur against my father, and also against me; and they were desirous to areturn again to Jerusalem.
37 And Laman said unto Lemuel and also unto the sons of Ishmael: Behold, let us aslay our father, and also our brother Nephi, who has taken it upon him to be our bruler and our teacher, who are his elder brethren.
38 Now, he says that the Lord has talked with him, and also that aangels have ministered unto him. But behold, we know that he lies unto us; and he tells us these things, and he worketh many things by his cunning arts, that he may deceive our eyes, thinking, perhaps, that he may lead us away into some strange wilderness; and after he has led us away, he has thought to make himself a king and a ruler over us, that he may do with us according to his will and pleasure. And after this manner did my brother Laman bstir up their hearts to canger.
39 And it came to pass that the Lord was with us, yea, even the voice of the Lord came and did speak many words unto them, and did achasten them exceedingly; and after they were chastened by the voice of the Lord they did turn away their anger, and did repent of their sins, insomuch that the Lord did bless us again with food, that we did not perish.


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stempublishing.com : J. N. Darby : Synopsis : Zechariah : Introduction | Next chapter |
Introduction Chapter 1 Chapter 2 Chapter 3 Chapter 4 Chapter 5 Chapter 6 Chapters 7 to 10 Chapter 11 Chapter 12 Chapter 13 Chapter 14 |
The scope and standpoint of ZechariahZechariah is more occupied than either of the other two post-captivity prophets with the Gentile kingdoms under whose yoke the Jews were placed, and with the establishment in its perfection of the glorious system that was to accompany the presence of the Messiah; and, on the other hand, with the rejection of that Messiah by the remnant who had returned from captivity; with the state of misery and unbelief in which the people would be left, and by which they would at length be openly characterised; and, finally, with the last attacks of the enemies of Jehovah upon Israel, and especially those directed against Jerusalem. He announces the destruction of these enemies by the judgment of God, and the glory and holiness of the people after their deliverance by the arm of Jehovah, who should thenceforth reign and be glorified in all the earth. It is the complete history of Israel, and of the Gentiles in relationship with Israel, from the captivity to the end, as far as connected with Jerusalem, the restoration of which especially occupies the prophet. For if the house was the primary object in Haggai, Jerusalem is the central point in Zechariah; although in the course of the prophecy the temple, and still more the Messiah, have the most prominent place in the scene. The dates of the post-captivity prophetsThe date of Zechariah's prophecy is nearly the same as that of the prophecies of Haggai. There are two in Zechariah, besides that of the introduction; in Haggai, four. The first date in Zechariah is only a month or two before the last two in Haggai, which were given on the same day. At the date of the second prophecy in Zechariah (Zech. 7) the temple was not finished as a whole, but sufficiently so to serve as a place of worship, although the dedication had not yet been celebrated. |
Index | Next chapter |


text:
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Designed by S. Simov.
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Although primary ("baby") teeth have a lifespan of only a few years, they're still important to a child's current and future dental health. In the present, they help a child eat, speak and smile properly. They also help create a healthy future as placeholders for developing permanent teeth yet to come in.
If, however, a child loses a primary tooth prematurely due to decay, the corresponding permanent tooth could come in misaligned. That's why we do what we can to help a decayed primary tooth reach its full lifespan. And there are different ways to do this depending on the type of tooth.
With front teeth, which don't encounter the same chewing forces as those in the back, we may use a tooth-colored filling. This approach is also preferable for appearance's sake since front teeth are highly visible when a child speaks or smiles.
Primary molars, on the other hand, need a more robust solution. A filling may not be able to withstand the level of long-term chewing forces that these back teeth normally encounter. And because they're less visible than front teeth, there's less concern about aesthetics.
That's why many pediatric dentists prefer stainless steel crowns for molars. Just like their permanent teeth counterparts, a primary crown fits over and completely covers a tooth. They're typically pre-formed, coming in different shapes and sizes that can then be customized for the tooth in question. After preparing and removing any decayed material from the tooth, we can usually install the crown in one visit with local anesthesia and a sedative (if the child needs it for anxiety).
While a steel crown isn't the most attractive restoration, it typically handles the higher chewing forces in the back of the mouth better and longer than a filling. That's especially critical for primary molars, which are some of the last teeth to fall out (as late as ages 10-12). And besides preserving it as a permanent tooth placeholder, a crown also helps the tooth function effectively in the present.
Regardless of what method we use, though, preserving primary teeth is a primary goal of pediatric dentistry. And with a stainless steel crown, we can keep those important back molars functioning for as long as they're intended.
If you would like more information on caring for primary teeth, please contact us or schedule an appointment for a consultation. You can also learn more about this topic by reading the Dear Doctor magazine article "Stainless Steel Crowns for Kids."


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License Plate, Wisconsin, Graphics: Sunset, Sailboat, Red Barn, Birds, LWA - 181
"This Plate: PG: - -Mint/Unused Categories: M=Mint, NM=Near-mint, U=Unused Not Near-Mint - - E=Excellent, VG=Very Good, G=Good, PG=Pretty Good, AG=Average Good, A=Average, A- =Worse than Average, P = Poor PLEASE USE ZOOM TO CONFIRM CONDITION"
Condition: PG, Gr8 Pl8! Plate is older than 3 years.
Long-Term Buyers: NEW POLICY: If you want to combine Shipping--wait to pay. Paid plates need be sent next Business Day .I have been allowing buyers to buy plates over weeks and months. Long-term buyers have to pay in 30 days so an Unpaid Item Case is not sent from Ebay. From my end if you pay part of the invoice, I have to send the plate by the next business day. Since I have been holding paid plates to save you shipping, I have been losing up to $100 a month (ebay ratings) to save you a few $$ on shipping. So my suggestion: If you want to combine shipping wait to pay (a week or up to 30 days from the first invoice). Once a payment is made I will need to send your plates. Postage savings are dramatic so I am here to minimize your costs--just let me know you want to combine and wait to pay. Besides higher costs, and loss of my ebay rating status, my listings lose priority marketing by ebay. Thanks, lpgolfer619
Condition (see abbreviations below): Please look at picture carefully and ZOOM In, since your opinion of the condition may vary from mine or others
Unused: Mint = M, Near-mint = NM, Unused Not Near-Mint = U
Excellent = Ex, Very Good = VG, Good = G, Pretty Good = PG, Average Good = AG, Average to Fair = AF
About My Ebay Site: I try to specialize in 2 things: 1. A good selection of 50 states. 2. A good percentage of graphics plates. Besides these, I try to list a few unusual plates, environmental plates, vanities, some older plates and a few foreign plates. I also try to list some a wide array of quality so that there is a good selection of not only types but price ranges. So for the new collector, for the person using plates for art, or for the serious collector, I do try to give something for everyone. And I make it a point to reduce shipping per plate to a bare minimum for you—so hence I try to make my site a 1 stop shop for many of you. If you are buying bulk, I try to accommodate you even if I have to hold your plates for 2-3 months so that you can save on shipping.
Attention: New for 2013: I send all my mail with USPS. In January 28, 2013, raised their rates—slightly to the U.S., quite a bit for International, and substantially for Canada. So I now recommend the LEGAL FLAT RATE PRIORITY ENVELOPES to save on shipping. For example: Sending to Canada costs about $8 for 1 license plate depending on weight. If you ship 10 plates in this envelope it costs about $2 per plate. 2013 Flat Rate Envelope Rates: $5.50 U.S., $21 for Canada, and $25 for International orders!
Sale Price: US $7.99


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- Both the printer driver and application software are compressed.
Follow the instructions below to install them.
1. Click the link, select \"Save,\" specify \"Save As,\" then click \"Save\" to download the file.
If you select \"Open\" instead of \"Save,\" the file will be automatically installed after it is saved.
2. The downloaded file will be saved in the specified place in the self-extracting form (.exe format).
3. Double-click the downloaded EXE file to decompress it, then installation will start automatically.


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*~+++COREY ARNOLD is showing
Portland, Oregon - www.coreyfishes.com
I work as a fisherman in Alaska and take pictures while on the job.
I've been gardening and landscaping a lot and stealing cuttings from the neighbors and propagating them. I've also been floating down rivers on tiny rafts a lot lately. Oregon is good for that.
I used to live in San Francisco and so I live vicariously through Fecal Face.
I'll be at the opening, probably the guy standing outside in the pink tutu.
I'm attempting to just stay home for a little while. I travelled hard for the last 3 years. But I'm still going to Alaska to work in October, Nov, Jan, Feb. I might try to go Walrus hunting with some Eskimo fellers next year but I don't like to plan too far in advance.
It's 7AM, Feeding my cat was kind of fun.
< Prev | Next > |


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Cash balance plans are technically defined benefit plans that share some key characteristics with defined contribution plans.
IRS regulations finalized in 2010 and 2014 clarified some legal issues and made these plans more flexible and appealing to employers. As a result, there was a 152% increase in new cash balance plans between 2010 and 2015.1
These hybrid plans have generous contribution limits that increase with age, and are often stacked on top of a 401(k) and/or profit-sharing plan. This might allow partners in professional service firms and other high-income business owners to maximize or catch up on retirement savings and reduce their taxable incomes.
In 2017, a 65-year-old could save as much as $251,000 in a cash balance plan, while a 55-year-old could save $184,000 on a tax-deferred basis (until the account reaches a maximum accumulation of $2.5 million).2
Assuming the Risk
A cash balance plan is also a powerful tool for employee recruitment and retention. As with other defined benefit plans, employees are promised a specified retirement benefit, and the employer is responsible for funding the plan and selecting investments. However, each participant has an individual account with a "cash balance" for record-keeping purposes, and the vested account value is portable, which means it can be rolled over to another employer plan or to an IRA.
But unlike a 401(k), the participant's cash balance when benefit payments begin can never be less than the sum of the contributions made to the participant's account, even if plan investments result in negative earnings for a particular period. This means the employer bears all the financial risk.
Funding the Plan
Each year, the employer makes two contributions to the cash balance plan for each employee. The first is a pay credit, which is either a fixed amount or a percentage of annual compensation. The second contribution is a fixed or variable interest credit rate (ICR). The ICR can be set to equal the actual rate of return of the portfolio, if certain diversification requirements are met, which reduces the employer's investment risk and the possibility of having an underfunded plan due to market volatility.
Weighing the Costs
The amount that the employer must contribute to the plan each year is actuarially determined based on plan design and worker demographics. Typically, IRS rules require owners to contribute 5% to 8% of pay to non–highly compensated employees in order to make larger tax-deferred contributions for themselves.3
Businesses may take a significant tax deduction for employee contributions, so current-year tax savings may offset some of these costs. Still, a cash balance plan is typically more cost-effective if you are a sole proprietor or the owner of a small firm with just a few employees.
1, 3) 2017 National Cash Balance Research Report, Kravitz, Inc., 2017
2) Kravitz, Inc., 2016


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It looks like such an elementary word written on a blank piece of paper. As my cursor blinked at the end of the word however, I realized the substantial weight change actually carries. We are never quite easy accepting a change in our lives, after all it means stepping out of a comfort zone, perhaps one we have known and accepted for all of our lives. Even if the change is one that is sought for and aspired towards, it still means taking a risk, grabbing an opportunity and doing it differently. Changes can be frightening, intimidating and compelling. Changes can also be refreshing, challenging and innovative.
Change one letter in Change and you are faced with a Chance!
I try to keep this in my mind every time I am confronted with a change. It seems the older I get the more unwillingly am I prepared to embrace changes. I have been confronted with changes all my life, never looking back. I was younger, seeking new challenges and exciting adventures. Changes always provided apt chances for my ever wandering and juvenile mind. However, as I mature I notice how rooted I have become in my ways, wincing every time at the sound of a change. Changes after all disturb my organization! And although I am convinced of being flexible, spontaneous and adapt easily to my surroundings, I find the initial idea of change cumbersome.
This weekend I learnt a significant lesson – from my son, which made me realize the paradox of it all. It also showed me how much our children mirror us. The aching reflection, which I struggled to acknowledge, was mirroring my fears of accepting a change. The excuses were long and when they did not work it was time to attack the idea of change with stubbornness and hostility. Under the watchful eye of my husband I cringed as it dawned upon me that my son never knew the daring me. That me, who greeted a change boldly, standing tall and taking on the new chances changes brought. What he knew was this me, the strong and durable me, perfectly organized and extremely efficient, but not willing to rock the boat towards new waters for fear of losing the grip.
And it was this image that reflected back at me so poignantly that told me it was time for a change.
To commemorate the acceptance of change, making room for new chances we cooked together. Opening a bottle of chilled wine we toasted and discussed the first changes we wanted to tackle. A new sofa, curtains, carpet maybe change the entire living room? A new house? A new school with new friends? A new city and a new job? The chances are plenty – we just need to open up to the change.
I adore tarts, particularly in the summer, when produce is fresh, colorful and plentiful. So it is not surprising that tarts are a regular feature in the kitchen during the summer- always with changing flavors and colors. This tart offers plenty of exciting changing flavors, with a zesty flavored oil embracing the juicy tomatoes and earthy aubergines highlighted with a nutty tahini.
Printable version of recipe here
Prep Time: 45 minutes
Total Time: 2 hours
For the Crust
- 200g all-purpose flour
- 70g unsalted butter, at room temperature
- 1 teaspoon Tahini (sesame paste)
- 3 egg yolks
- pinch salt
For the Filling
- 2 tablespoons Tahini (sesame paste)
- 6 tablespoons olive oil
- 1 garlic clove, crushed
- 2 tablespoons dried oregano
- 1/2 bunch basil, chopped
- juice of ½ lemon
- 500g cherry tomatoes
- 3 small aubergines, sliced
- salt and pepper
- butter for the form
- 100g feta cheese
- To prepare the crust, whip together butter and Tahini with electric beaters until light and fluffy. Add the egg yolks, one at a time, beating well after each addition. Continue to mix until all ingredients are incorporated well.
- Add flour and using your hands quickly mix until it all comes together into a smooth ball. On a floured surface flatten the dough into a disk, wrap with plastic wrap and refrigerate for up to an hour.
- Preheat oven to 180 degrees C.
- Remove dough from refrigerator, spread a sheet of plastic on the counter top, place the dough-disk on top and cover with another sheet of plastic. Now roll the dough between the two sheets of plastic to fit your preferred tart form. Should the dough tear, patch it up with your fingers.
- Line the dough with a sheet of baking paper, fill with dried beans (or pie weights) and blind bake 15-20 minutes.
- Reduce the oven temperature to 160 degrees C.
- Prepare the filling by mixing together olive oil, crushed garlic, oregano, basil, lemon juice, salt and pepper in a mixing bowl.
- Place the whole cherry tomatoes on one half of a baking tray and arrange the aubergine slices on the other half, then generously drizzle with the flavored oil. The aubergines can be drizzled with an extra portion of the oil, otherwise they might dry out in the oven. Bake in the oven for 45 minutes.
- Remove the tomatoes from the baking sheet, drizzle the aubergine slices with some more oil and place back in the oven for another 45 minutes.
- Arrange the aubergine slices on the base of the crust drizzle with 2 tablespoons Tahini and place cherry tomatoes on top. Re-heat in the oven for 10 minutes. Before serving, crumble some fresh feta cheese over the top.
It's not easy to accept change. I saw the slight apprehension in Soeren's eyes this morning, but he's braving through it - with a timid smile on his face. My heart as a mother wavers too as I know that this one change means several transitions, which in turn means re-organizing and re-thinking our plans. But we're flexible and we look forward to the new chances.
This tart brings on an exciting burst of aromatic flavors using colorful summer produce. It is effortless to put together and served with a salad, like this Baby Spinach Salad with Roasted Garlic Tomatoes, Hazelnuts, and a Quince and Pear Vinaigrette, it makes a fantastic light dinner.
Don't miss out on the latest Monthly Mingle being hosted by the sensational Nina Timm over at My Easy Cooking. Nina wants us all to show our Apple Affection this month with your apple creations. Come join us: the deadline is 30 June 2011.
You might like these tart ideas from WFLH:
Roasted Pumpkin Aubergine Zucchini Tapenade Tarts with Buffalo Mozzarella | Honey Figs Gorgonzola and Prosciutto Crostata | Kale Mushroom and Goat Cheese Buckwheat Tart |
All photographs and written content on What's For Lunch, Honey? © 2006-2011 Meeta Khurana Wolff unless otherwise indicated. | All rights reserved | Please Ask First


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Jerry Sandusky Tries To Get His Penn State Pension Back
HARRISBURG, Pa. (CBSNewYork/AP) — Jerry Sandusky described his career and retirement from Penn State by video link Tuesday as testimony began in a hearing into whether he can get back the retirement benefits he lost after being convicted of child molestation.
The proceeding at the headquarters of the State Employees' Retirement System in Harrisburg involves the pension he earned while working for decades as a Penn State assistant football coach.
From a prison in southwestern Pennsylvania, Sandusky began by describing his career at Penn State and talks with school administrators about a possible continuing role with the university around the time of his 1999 retirement. His wife, Dottie, was in the hearing room for a proceeding that could last several days.
Sandusky said he decided to retire in 1999 because of an early retirement incentive that would boost his pension. Sandusky began coaching at PSU at 1969. (He was a graduate assistant in 1966 and played on the football team from 1963-1965.)
"It was an opportunity financially to be in a more secure position by retiring at that time," Sandusky testified.
He lost a $4,900-a-month pension in October 2012, the day he was sentenced to 30 to 60 years in prison for 45 counts of child sexual abuse. The decision also precluded Dottie Sandusky from collecting benefits.
The State Employees' Retirement System (SERS) ruled that his convictions for involuntary deviate sexual intercourse and indecent assault fell under Pennsylvania's Public Employee Pension Forfeiture Act. Sandusky had opted to participate in the state-sponsored retirement system while at Penn State, which is a "state-related" university, but he was not a state employee.
At the heart of the dispute is whether Sandusky's ties to the university after his retirement, including some payments, made him a "de facto" Penn State employee while committing the crimes in question.
His lawyer has argued he was not and that his employment contract was not renewed after the forfeiture law took effect in 1978 so its terms do not apply to him. Sandusky attorney Charles Benjamin has said Penn State made only six payments to Sandusky between 2000 and 2008, and three of them involved travel costs. The other three were speaking fees of $100, $300 and $1,500.
In a Dec. 9 filing, Benjamin also argued that Sandusky did not fit the definition of "school employee" under the forfeiture law.
"No reported case in the history of Pennsylvania jurisprudence has ever applied a 'de facto' employee analysis to deny someone his retirement earnings, and SERS should not bow to political pressure and 'mob rule' to deny claimant his retirement earnings," Benjamin wrote.
In recent weeks, there was a dispute over the SERS witness list, which included two former Penn State administrators facing allegations of a criminal cover-up about Sandusky, former athletic director Tim Curley and former vice president Gary Schultz. A SERS lawyer said at the start of the hearing that both men asserted their Fifth Amendment rights not to testify.
There is currently no trial date set for Curley and Schultz, who are being prosecuted in the Dauphin County Courthouse, about two blocks from the SERS headquarters.
It likely will be several months before the hearing examiner, Michael Bangs, produces his written recommendation to the retirement system board. If the board rules against Sandusky, he may appeal to Commonwealth Court.
You May Also Be Interested In These Stories
(TM and © Copyright 2014 CBS Radio Inc. and its relevant subsidiaries. CBS RADIO and EYE Logo TM and Copyright 2014 CBS Broadcasting Inc. Used under license. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed. The Associated Press contributed to this report.)


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CarMax makes car buying easy and hassle-free. Our upfront prices are the same online and on our lot. All our used cars come with free vehicle history and safety recall reports (certain vehicles may have unrepaired safety recallscheck nhtsa.gov/recalls to learn if this vehicle has an unrepaired safety recall), plus a 5-Day Money-Back Guarantee, and a 30-Day Limited Warranty (60-Day in CT, MN, and RI; 90-Day in MA, NJ, and NY).
Price excludes tax, title and tags. Some fees are location specific and may change if you transfer this vehicle to a different CarMax store.
Auxiliary Audio Input|Overhead Airbags|Side Airbags|Air Conditioning|Abs Brakes|Power Locks|Power Mirrors|Am/Fm Stereo|Rear Defroster|Cd Audio|Power Windows|Cloth Seats|Automatic Transmission


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When will my order ship?
Generally all orders will get shipped within 1-3 business of being placed. (During the holiday season, orders will be shipped in 7-10 days.) For international orders please allow up to 3-5 days for your payment to get processed. Once your order is shipped it you will receive an email with tracking details.
What is the cost of shipping within the US?
Shipping cost depends on weight and destination. We offer USPS and UPS shipping. A single item like a t shirt, shorts, or rash guard will be about $5-$10, a Gi can be anything from $8-$20.
I paid for USPS Priority Mail, when will I receive my order?
If you choose USPS Priority Mail, your order will get shipped within 1-3 business days. If you need Overnight or Express shipping please choose UPS Next Day Air or USPS Express. Next Day Air and Express orders placed before 12pm Mon-Fri will get shipped on the same day, otherwise they will go out on the next business day.
I placed an order internationally and was charged for customs when receiving my order.
Since we do not have control over what you get charged during customs in the receiving country we do not cover any custom or duty charges. You are responsible to cover those costs.
I placed an order internationally and chose USPS as a shipping method, now I can't track my package.
We highly recommend choosing UPS or DHL for international shipments. USPS only has limited tracking and no insurance. Once the package leaves the United States it generally gets handed over to the local postal service. We are not able to contact them to find out about your package. If your package gets lost, we are not able to file a claim or replace it for you.
How can I make a payment?
We accept all major credit cards, PayPal and AfterPay. You can also pay via Apple Pay, Google Pay, and Shopify Pay.
My payment did not go through. What could be the reason for that?
There could be different reasons for why your payment got declined. If you pay via credit card it could be your billing address. If your shipping address is different from your billing address please make sure you provide both. We are not able to manually adjust your billing address, if our system declined your payment you need to start over. If you tried paying via PayPal and it did not go through you can check with PayPal directly. They have their own verification process, we are not able to process your order until PayPal approves the charge.
I placed an order and did not receive any invoice or confirmation.
You should receive an order confirmation via email within 1-2 hours of your order being placed. If you did not receive anything please check your spam folder. Feel free to send us a message or email as well, maybe there was a typo in your email address.
I have a discount code, how do I apply it to my order?
There will be a box on the checkout code to apply your discount code. We only allow one code per order. Note that we are not able to accept discounts codes on already discounted items, they work on non sale items only.
Returns and Exchanges
If you desire to swap your item for an alternative size or color, you can initiate the exchange process by returning it for store credit. Please note that the original shipping cost is non-refundable, and you will be accountable for the return label fee. Please click here to start the return process. Feel free to send us an email at firstname.lastname@example.com with any questions at any time!
Can I return my item to exchange it for something else?
We don't do direct exchanges. If you wish to exchange your item please start the return process by following this link. Once we receive your return we will issue you store credit which can be used on another item, please feel free to contact our team via email to specify the item and size you wish to exchange so our team can pull it aside for you.
I already washed or used my item, can I still return it?
We do not accept returns or exchanges for items that have been used or washed. All items need to be new, in its original packaging and with all tags attached. If an item is returned back washed, the return will be voided at your expense.
My gi ripped, can I get a replacement?
These things can happen and we understand it is frustrating when it does. After all, they are made out of cotton and not indestructible. If your gi rips within 60 days of your purchase we will either replace it for you or get it repaired. Please send us an email with order number and pictures of your gi so we can asses.
I put my gi in the dryer and now its too small. Can I get a replacement?
As stated in the product descriptions, none of our gis are pre shrunk. This means that if you wash it hot or put it in the dryer it will shrink up to two inches on each sleeve. We are not able to get you a replacement if you dried your gi. If you plan on drying your gis the sleeves should be past your wrists when trying it on.
Questions about our products
I don't know what size to get. Can you help?
Of course! If you are not able to determine your size via our size charts we are here to assist with any sizing questions you may have. Feel free to send us a message in our live chat or send us an email. Please provide your height and weight. Keep in mind that a Hyperfly A2 will not fit the same as an A2 from another brand.
How should I wash my product?
We highly recommend you wash all gis, shirts, rash guards and shorts cold and hang dry. Our gis are not preshrunk and will get smaller in a hot wash or dryer. If you do decide to dry your gis please choose your size accordingly. We are not able accept any returns or exchanges once your item has been washed.
The item I am looking for is sold out. When will it be back in stock?
We restock a lot of items every 2-3 months. Some items may not be restocked for a longer period or may be discontinued all together. You can sign up to receive a restock notification via email in the product page. Just go on the size and color you are looking for and enter your email address in the box that appears below. Feel free to send us an email or message as well!
Are your gis competition legal?
Not all of them. Most of our gis are IBJJF legal, some of them are not due to the color or material. Please look for the specification in the product description.
I want to be sponsored by Hyperfly. How dow do I apply?
Find the link "Sponsorship" in the footer of our website. There is a form to fill out, tell us about yourself and why you want to be sponsored by Hyperfly. We read every application and do our best to get back to everyone. We receive a lot of applications every day, unfortunately we are not able to sponsor everyone.
I applied for a sponsorship and have not received a reply. How long does it take?
We do our best to get back to everyone within a week. Please allow up to four weeks to hear back, we receive a lot of applications every day.
For any other questions you may have, feel free to message us in our live chat during business hours or send us an email at firstname.lastname@example.com.
Our customer service team is available Monday-Friday from 10:00am-4:00pm, and eager to assist you.


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Welcome to Dragon Cave! Dragon Cave is an online adoptables game. Collect eggs, raise them to adulthood, and then breed them to create interesting lineages. New dragons are added regularly!
Originating from a single species that thrived in ancient times, Xenowyrms have become an incredibly diverse breed whose appearances vary depending on their habitats. Each Xenowyrm subspecies is heavily reliant on the power of different types of mana, making them powerful magic users. Mageia, found exclusively in desert regions, are thought to be the wisest Xenowyrm subspecies. Due to their knowledge of the magi element, they are able to cast a variety of magics, including teleportation. Their beautiful yellow scutes are reflective and smooth like glass, making them very valuable to collectors.
Dragons are highly-intelligent reptilian creatures that—from a human perspective, at least—appear to live forever. Many different varieties of dragon exist, each with their own unique qualities, habitats, and behavior. Adolescence in dragons is usually marked by the growth of a hatchling's wings, although not all breeds of dragons grow wings and some breeds have other traits that indicate the beginning of maturation. In Galsreim, dragons and humans coexist peacefully.


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EBL AA AAA Rechargeable Batteries Combo
EBL AA AAA Rechargeable Batteries Combo
- In stock, ready to ship
- Inventory on the way
- Free shipping on orders over $25 in the Continental USA.
- Take 10% off with code: welcome
- All EBL products come with a 12-month warranty.
Pairs well with
Each order from EBL is shipped from the United States and will be delivered by standard shipping with an estimated delivery time of 7-14 business days.
When will my order be shipped?
We usually take 2 to 5 business days to schedule shipments, except for pre-sales items. A notification will be sent to the customer via email after shipment.
Which countries do you ship to?
We can ship to the United States, Canada and Mexico.
Do you ship internationally on your website? Can you ship to my country?
Our website is still testing shipping products worldwide. Therefore, the shipping cost charged at checkout is an estimate and will be based on the actual postage cost incurred when the product is sent by courier (generally based on the weight and volume of the products).
Please Note: We will refund the excess if the postage charged is more than the actual shipping charge. Meanwhile, if the postage charged is less than the actual shipping cost, we will also charge the customer for the additional shipping cost.
Domestic Shipping
- 📦For Most of the United States except Hawaii, Puerto Rico and Alaska
Orders over $25 |
Free standard shipping |
Orders under $25 |
Standard shipping charge of $5 |
- 📦For Hawaii, Puerto Rico and Alaska
Weight |
Costs |
Weight Between 1-4oz |
Weight Between 5-15oz |
Weight Between 16-25oz |
Weight Between 26-49oz |
Weight Between 50-80oz |
Weight Between 80-150oz | USD$40.00 |
Delivery areas within the U.S.
EBL official website supports delivery to most areas of the United States. We cannot deliver to the following areas:
- American Samoa
- Guam
- Marshall Islands
- Northern Mariana Islands
- Palau
- U.S. Virgin Islands
- Armed Forces Americas
- Armed Forces Europe
- Armed Forces Pacific
Please note: Power stations and solar panels cannot be shipped to Hawaii, Puerto Rico or Alaska.
Thank you for your understanding.
International Shipping
We also offer international shipping to the following countries: Canada and Mexico.
And we can ship to other countries, but only for wholesale orders. Please contact us at email@example.com for more details.
- 📦For Canada
Weight | Costs |
Weight Between 1-48oz | USD$32 |
Weight Between 49-64oz | USD$44 |
Weight Over 64oz | USD$100 |
- 📦For Remoteness of Canada
Weight | Costs |
Weight Between 1-48oz | USD$50 |
Weight Between 49-64oz | USD$70 |
Weight Over 64oz | USD$120 |
- 📦For Mexico
Weight | Costs |
Weight Between 1-48oz | USD$33 |
Weight Between 49-64oz | USD$44 |
Weight Over 64oz | USD$100 |
- 📦For Other Countries
Weight | Costs |
Weight Between 1-50oz | USD$50 |
Weight Over 51oz | USD$100 |
As we are still testing shipping of EBL products to all parts of the world. Therefore, the shipping charges charged at checkout are an estimate and the actual shipping charges will be based on the actual postage costs incurred when the product is sent by the courier (generally based on the weight and volume of the product).
Please note
- Batteries cannot be shipped to other countries.
- If the postage charged is more than the actual postage cost, we will refund the excess. Also, if the postage charged is less than the actual shipping cost, we will charge the customer for the additional shipping cost.
1) Standard Shipping is not available for P.O. Boxes and APO/FPO addresses.
2) After the order has been paid, the warehouse needs 2-5 business days to process your order. You will receive a notification once your order has been shipped.
3) If you place more than one order, you may get multiple deliveries. We'll send you a shipping confirmation email for each order, so you'll know exactly what to expect and when to expect it.
4) In most cases, the package will be delivered within the estimated time of arrival. However, the actual delivery date may be affected by weather conditions and other external factors. Please refer to the tracking information for the most accurate delivery date.
5) If there is any shipping issue with your package, you must contact Customer Support within 30 days of placing your order.
How would EBL Official ship my order?
USPS and UPS are our logistics partners to ship out EBL products. we will choose the carrier that we think works best for our customers.
How do I check the status of my order?
Once your order is picked up by the carrier at our warehouse, we will send you a shipment tracking update email with the estimated delivery date and tracking number. If you do not receive this email, please check your spam or junk mail folder or contact us by email at firstname.lastname@example.com.
I ordered more than one item. Will they all be delivered at the same time?
We try to make sure all your items reach you at the same time. Sometimes our products are not always sent together since different shipping options can be used,depending on the product. Once an item has been shipped,you will receive a shipment notification email.
Why is there no tracking update?
If your order is still under the estimated delivery time frame, kindly wait patiently. Once this process has been completed, you will see tracking updates.
If your order has not been updated for a long time and is overdue, you may contact the shipping courier or contact us for help.
Can I change the delivery address of my package after it has been shipped out?
Unfortunately, we cannot change the shipping address once the product is in transit.
What do I need to do when the product I received is different from the one I ordered?
Please provide some details about the issue and contact customer support at email@example.com.
Delivered but Not Received
1. If the tracking information shows that your package has been delivered, but you cannot find it, please wait two business days for it to arrive. In the meantime, we recommend that you check your home and ask your neighbors if they may have received it for you.
2. If after that you still haven't received it, please contact us via email@example.com and we will be happy to help you.
Welcome to EBL's Warranty and Refund Policy page, where you can email us directly if you encounter any quality-related problems after purchasing EBL products. We apologize in advance for any inconvenience your purchase of EBL products may cause.
If your product is defective during the warranty period, please contact us by mail or via live chat and let us know what we can do to help you.
We will take care of all quality-related issues and offer a REPLACEMENT or FULL REFUND, including the return shipping costs.
Please note that this page is for products purchased through eblofficial.com. For products purchased through the EBL store on sites such as eBay and Amazon or from EBL's authorized distributors, please contact them directly.
Warranty Period
All products purchased from EBL are guaranteed with a 12-month hassle-free warranty. In each case, the warranty period is measured starting on the date of purchase by the original consumer purchaser.
Valid Proof of Purchase
A sales receipt from the consumer's first purchase, or other reasonable proof, is required in order to confirm the start date of the warranty period. Please provide both of the following vouchers when processing warranty claims:
- Provided order number from eblofficial.com.
- The email or phone number or name used to place the order.
Limited to Original Consumer Buyer
The warranty on EBL's product is limited to the original consumer purchaser and is not transferable to any subsequent owner.
Warranty excludes:
- Products without sufficient proof of purchase.
- Damage caused by misuse the faulty parts.(including static discharge).
- Improper installation.
- Damaged by yourself.
- Purchase the product by mistake.
- Neglect, accident or modification, which have been soldered or altered during assembly.
- Complimentary products.
How to claim warranty?
To obtain warranty service, please contact our customer service team at firstname.lastname@example.com.
EBL will replace any EBL product that fails to operate within the applicable warranty period due to defect in workmanship or material. The replacement product assumes the remaining warranty period of the original product.
We offer a 30 day hassle-free money back guarantee on items purchased directly from eblofficial.com. (We only provide prepaid return label for quality problem products. Other than that, customers need to pay for the return shipping fee.) If for any reason you are not satisfied and would like to return an item, please let us know within 30 days.
Refunds can only be issued to the original payment method and cannot be issued to other cards or bank accounts. Refunds will be processed within 3-5 business days, and refunds generally take 10-15 business days to be returned to the original payment method.
Note: Once the package is shipped, any shipping costs paid at the time of the order, if applicable, are non-refundable.
There are certain situations where only partial refunds are granted:
- Products with missing parts that do not affect normal use.
- Products that cannot be replaced and have quality problems in part.
Return shipping costs should be paid by the customer in the following situations:
- Purchase the product by mistake.
- Usage of product contrary to its stated instructions.
- Returning products without any proven defect.
- Removal of identification labels such as, but not limited to, the original label, patent, serial number, or trade dress.
- Damage caused by improper storage, abuse or user error.
- Neglect, accident or modification, which have been soldered or altered during assembly.
Late or Missing Refunds
If you haven't received your refund, first check your bank account again. If payment was made by credit card, we will refund the money to your account once we receive the product. Please allow 10-15 business days for the credit to be applied to your credit card or original payment method.
Then contact your credit card company, it may take some time for your refund to be officially posted. Next contact your bank. There is usually some processing time before the refund is credited. If you have done all of this and you still have not received your refund, please contact us at email@example.com.
How do I return an item?
- Get in touch with us and start the return process within 30 days of the original shipping date.
- Provide proof of purchase from eblofficial.com (either the email address, phone number used to register, or order number).
- The product should be returned in its original packaging, unused, and in the same condition as the item you received.
- Refunds will be processed within 3-5 business days after we confirm receipt of your returned items at our warehouse.


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Following the establishment of Florida's Pelican Island as the first National Wildlife Refuge in 1903, the System has grown to encompass more than 150 million acres within more than 560 Refuges, many Wetland Management Districts, and thousands of Waterfowl Production Areas.
More than 41 million people visit National Wildlife Refuges each year to participate in activities such as hunting, fishing, wildlife observation, and photography, and to attend environmental education and interpretive programs. Their spending generates almost $1.7 billion in sales and close to 27,000 jobs for regional economies.
Wildlife Refuges are home to more than 700 species of birds, 220 species of mammals, 250 reptile and amphibian species, and more than 200 species of fish. Fifty-nine Refuges have been established with a primary purpose of conserving threatened or endangered species.
There is at least one National Wildlife Refuge in every state, and one within an hour's drive of most major cities—offering people a welcoming, safe, and accessible place to nourish their spirits and reconnect to the land.


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Feb 20, 2017 | Carpet One Floor & Home
Kids' rooms continue to trend toward higher-end, more versatile designs that are capable of growing alongside the child. We spoke with interior designer Traci Zeller who offered her expertise on the modern day kids' room.
Kids' bedrooms are often, by necessity, multi-purpose spaces. Of course, the primary purpose of a child's bedroom is a place to sleep, but that bedroom may also function as a child's home office, library, play room and perhaps even media center. For that reason, flexible storage solutions are key for kids' rooms. A desk can easily double as a bedside table or a vanity.
Kids are growing up faster and faster these days. Parents and kids are less interested in age-specific, theme-y rooms, and more interested in designs that can grow and evolve as the child does. It makes so much more sense to invest in high quality furniture, for example, that is appropriate from the toddler to the teenage years, rather than spend money on flimsy pieces that will barely survive elementary school. Another way is to utilize patterned fabrics that can adapt to a child's changing preference of color or character or creature.
While staple palettes (pinks for girls and beiges for boys) continue to be a consistent request, light and white walls have become increasingly popular within kids rooms, as a flexible backdrop for the ever-changing preferences of a child.
"I'm doing more and more rooms with light or white walls, which lets the fabrics and furniture take center stage. Of course, a pale ballet pink is always popular for girls' rooms, but I've been mixing it with less typical colors like navy or mint. Boys' rooms are often sandy beige, which provides a nice background for all shades of blue or green. Right now, I'm crazy about greens that range from olive to moss to army." – Traci Zeller
Carpet remains a popular choice for kids' rooms, due to its warm, comfortable and safe nature. For wall-to-wall carpeting, styles that mimic the look of natural fibers and stone will be gaining popularity in 2017 – a trend that's reflective of increasingly popularity of incorporating organic and natural materials into design.
Diamond Sun by Bigelow offers the look of natural fibers, with the softness and stain-resistance of one of America's top performing carpet brands. Our favorite colors for kids rooms: Sandcastle – a warm, jute-like beige, and Icebreaker - cooler taupe tone (pictured above, 2nd and 3rd swatch from top). Coastal Cruiser by Tigressa H2O showcases beautiful color striations that mimic the looks of natural materials like wood and stone, in a durable waterproof product fit for kids. Our top color choices: Nickel Dust – a cool slate color with hints of rose, and Cobweb – a warm wood-like tone (pictured above, 1st and 4th swatch from the top).
Traci Zeller is an interior designer and owner of Charlotte-based Traci Zeller Designs. Crisp lines, classic sensibilities, and chic palettes are the cornerstones of the Traci Zeller Designs' aesthetic. Traci's signature style brings a fresh, modern approach to tradition. In her interiors, neutral palettes are brought to life with chic pattern, texture, and color. She favors a refined simplicity that allows for elegant and comfortable living. The end result is polished and pretty, but without pretense.


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Kate's due date is July; Prince William won't be dad of twins
| London
The former Kate Middleton is due to give birth to her first baby in July, and her health is improving after a bout of severe morning sickness, St. James Palace officials said Monday.
The child of Kate and Prince William will be third in line to the British throne.
The 31-year-old Duchess of Cambridge, as she is formally known, spent several days in the hospital last month being treated for acute morning sickness.
She has since resumed public appearances, and looked healthy at the unveiling of an official portrait last week.
The palace said in a statement that "the duchess's condition continues to improve."
It said the two "are delighted to confirm they are expecting a baby in July."
The announcement by the couple's St. James's Palace office lays to rest speculation that the duchess could be having twins.
The palace would not comment on whether the baby is a boy or a girl. The British government is changing centuries-old succession laws to ensure that a royal daughter will have the same claim to the throne as a son.


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Following the BlackBerry announcement of BES 10 as a general-purpose mobile management solution, Samsung has expanded their SAFE program to include EMM features like MAM and business/personal partitioning. These companies are advancing the technology for customers. Where are Microsoft and Apple in this? Microsoft is doing a little, but Apple seems to think that management of their devices is not their problem.
The handset makers are making a play to standardize management and security of their devices in enterprises and especially in BYOD scenarios. Well, some of them are making more of a play than others.
The first big example we got of this was BlackBerry and BES 10. As I explained last week, BES 10 includes some of the new techniques of EMM (Enterprise Mobility Management) such as MAM (Mobile Application Management) and a separation of user and business personalities. These are emerging as the two key technologies in the next generation of mobile device management.
Join us at Interop Las Vegas where the mobility track will explore best practices for management of mobile computing today and what's coming in the future. Register today!
Now Samsung has announced similar capabilities for its phones called Samsung Knox —. It's not an acronym, I guess it's an allusion to Fort Knox (where, since 1937, the Treasury Department has stored the highly-secure United States Bullion Depository). There's more to Knox than MAM and personal/user "partitioning," as they call it, but I think these are the most appealing.
With MAM the company either compiles management hooks into the program or, in the case of third party programs, installs a "wrapper" program around it that provides management. This allows administrators to set policy for the use of program: for instance, they may say that it can only read from or write to certain locations, that it only communicate over SSL, or that it not put unencrypted data on the clipboard. One common MAM feature is the ability to create a custom VPN session just for that instance of the program.
The user/personal separation addresses the core problem created by BYOD: Neither users nor administrators want administrators to have control over personal user data. BlackBerry refers to the separate personal and business uses of its phones as personalities and Samsung calls them partitions. The division is baked into the operating system, so administrators not only can ignore personal data and programs, they actually have no access to it. The remote wipe becomes a wipe not of the whole phone, but of the business personality/partition.
One big difference between the BlackBerry and Samsung approaches is that BlackBerry is pushing BES 10 as a cross-platform management tool: You can use it to manage iOS and Android devices as well as its own BlackBerry phones. Superficially, SAFE is an open standard that other Android handset makers, perhaps even Google itself, could incorporate into its products, but fat chance of that. The truth is that Samsung is ascendant and BlackBerry needs to accommodate users of its competitors' products.
Samsung Knox creates partitions between personal and business use and protects one from the other.(Click for larger image)
It's more complicated than that. Like the MDM APIs of old, Knox and Samsung's earlier SAFE (Samsung For Enterprise) APIs, the interfaces are open for third-party management platforms to access. Indeed, my briefing on Knox came not from Samsung but from AirWatch, which announced its support for Knox as Samsung announced it at the recent Mobile World Congress. Other independent mobile security vendors have support for SAFE and will likely support Knox, whereas companies need a BES to support BlackBerry devices. Of course, it's more complicated than that too, as BES also provides a secure communications channel for BlackBerry and, eventually, third party devices. Knox is in beta. AirWatch, incidentally, says that it implements the most SAFE APIs of any mobile security vendor.
There may be some limitations in the partitioning that are a bit disappointing. For instance, ideally I would want the two personalities to have different phone numbers and accounts. This requires that the phone have two NAMs (Number Assignment Modules) and probably two SIM cards. There are phones like this and I have seen a business/personal virtualization scheme using the two numbers demonstrated by Cellrox. Click here to read about that and see a video of it. So it can be done, but it's not clear if either BlackBerry or Samsung are supporting it. Neither demoed it. I asked an Airwatch spokesperson to try, on their Knox phone, to make a phone call in one personality and then switch to the other personality. The phone call persisted. Whether this is correct behavior is unclear to me. There are probably arguments on both sides.
It's pretty obvious that Knox will be supported in the Galaxy S IV, which will be announced this week in New York. Will it add support into older phones, such as the very popular Galaxy S III? No word on that yet.
So both BlackBerry and Samsung are advancing security for their customers. What about Microsoft and Apple, the other big mobile OS companies? Microsoft's APIs and products (basically Intune and System Center) are quite conventional, but Apple doesn't even try. Many years ago it released an MDM API that it cloned from BlackBerry. Apple's locked-down app-deployment process means that many security products are not possible — for instance, the business/personal division is basically impossible on iOS — although it has also prevented the development of any malware of note. I suggest that in the long term, companies like BlackBerry and Samsung that help the customer to better manage their devices, will be more appealing to enterprises.
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DUBAI, United Arab Emirates (AP) — Rescue crews in Dubai safely evacuated a 34-story residential tower Sunday after a fire gutted portions of the building, police said.
The blaze charred the outside of the structure and send gray smoke drifting over a major development known as Jumeirah Lakes Towers, a cluster of high-rise apartment buildings and shops on the southern edge of Dubai.
Residents, some wearing pajamas and clutching passports and other belongings, stood on roadways watching flames pour from windows on high floors. Pieces of fiery debris fell from the facade.
A statement from Dubai Police said the fire was brought under control and no casualties were reported.
The blaze, however, is likely to add to calls for greater fire safety and evacuation planning in the United Arab Emirates, where hundreds of thousands of people live in high-rise buildings.
In June, hundreds of residents were evacuated safely from a 76-story tower after a fire broke out on the 36th floor. Last November, firefighters in Sharjah, north of Dubai, struggled to battle a blaze in a 25-story tower without equipment to reach the flames. The UAE is considering bans on flammable panels in high-rise buildings.


text: CDD> Facts and Maps> Map Collections> Open Space Map Gallery Open Space Map Gallery Maps showing the locations of public open space and related features throughout Cambridge. Public Parks, Playgrounds and Reservations Map This comprehensive map shows all of the major public open spaces in the city and contains information about the basic amenities that can be found at each. Learn more about Cambridge parks. Download Map Waterplay Locations Map Many Cambridge parks and playgrounds feature water play sprinklers, which come in a variety of different types and sizes. Find one near you and beat the summer heat! Download Map Community Gardens Map Many locations around the city have gardening space that residents can apply to use. For information about applying for community garden space, contact the Conservation Commission. Download Map Off-Leash Locations Map There are some dedicated off-leash areas in the city, while other parks have special rules regarding when animals may be allowed off-leash at certain times. See which parks allow some type of off-leash use. Learn more about off-leash park use. Download Map Open Space per 1000 Residents Using population figures from 2010 U. S. Census, this map provides a visual representation both of the amount of nearby public open space proximate to each Census Block and of the number of residents seeking to use that open space. Learn more about Open Space Planning in Cambridge. Download Map For More Information For more information about these maps and about GIS contact Brendan Monroe at 617/349-4641 or email@example.com.


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K&N FIPK Air Intake 57-2535
- Our Price: $349.99
- Shipping:FREE SHIPPING
- Part Number: 57-2535
- Rating: (32)
FIPK Air Intake
- Part #: 57-2535
- Carb Exempt
- 50 State Street Legal
- Installation Instructions
- Dyno Chart
Free ShippingSelect your vehicle details above to ensure item compatibility.
- The K&N 57 Series FIPK (Fuel Injection Performance Kit) boosts your power, torque, and throttle response
- Boosts of up to 26 horsepower
- Custom-designed for your specific make, model, and year vehicle
- K&N includes a washable cotton-gauze air filter you can wash and reuse for the life of your vehicle
- Crosslink nylon intake tube provides cooler, denser air to your engine than a metal tube
- Parabolic diverter chamber speeds up air velocity while smoothing out the flow
- C.A.R.B. exempt and emissions-legal in all 50 states
- Detailed instructions and a complete hardware kit help you install the FIPK Intake Kit easily in 90 minutes or less
- 10-Year / Million-Mile Warranty
Give your vehicle more power for towing and climbing, as well as more torque for faster acceleration and passing. The K&N Fuel Injection Performance Kit (or FIPK) wrangles in huge amounts of cold air flow, smoothing it and straightening it out for awesome combustion in your engine. The K&N FIPK provides huge power gains across your whole RPM range.
K&N is a legend in the industry for their quality intakes, and the Fuel Injection Performance Kit is no exception. Its crosslink nylon intake tube lets in more air and keeps it cooler than conductive metal tubes. Plus, your 57 Series FIPK kit includes K&N's signature high-flow Filtercharger air filter. This performance air filter is washable and reusable for as long as you own your vehicle. It pairs perfectly with the FIPK to let your engine suck in big gulps of cool, clean air for gains of up to 26 horsepower.
K&N builds your FIPK 57 Series Air Intake to your specific vehicle, ensuring a perfect fit and unbeatable performance. It includes all the hardware and detailed instructions you need for a painless installation to factory locations. Plus, it's backed with K&N's 10 year/1,000,000-Mile Warranty, so you know it's good to go.
Note: Thanks to the Magnuson Moss Warranty Act: US Code - Title 15, Chapter 50, Sections 2301 - 2312, the factory warranty of your vehicle is protected by law, even after the addition of aftermarket parts.
K&N 57-2535 fits:
- 1995-1997 Ford Ranger
- 1995-1997 Mazda Pickup