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Understanding what influences lending decisions is the first step to success
By Garry Barnes, director, PW Partners Consultancy | bio
Many businesses need to borrow money. In fact, many entrepreneurs will try to establish a credit relationship with a lender in the initial stages of business development. The ability to borrow money in a timely manner at reasonable terms and conditions is essential to meeting the demands
of a growing organization. This is where commercial mortgage brokers come in. Experienced mortgage brokers understand that the borrowing process is more art than science.
Historically, some financial experts have believed that banks do not provide clear and concise explanations of the processes and standards they use to make capital available. The inner workings of banks appear esoteric, confusing and shrouded in mystery to many borrowers.
Consequently, even the most experienced business owners may feel uncomfortable approaching banks to establish a credit relationship. Again, this is where brokers come in.
Of course, banks do not intentionally conceal their financial practices. In reality, borrowing business capital is not as onerous as it seems. Once a mortgage broker develops a basic understanding of lending processes, much of the mystery disappears. If you know the rules, you can win
the game.
The first thing to understand is that banks must make loans. Interest income represents anywhere from 60 percent to 80 percent of a bank's income, although this percentage has dropped over the past 20 years. Without a growing loan portfolio, banks will not achieve financial success. In
other words, banks must loan money to make a profit and stay in business. They need good quality commercial loans.
But, there is more to the story. Many companies are in business to find a market niche, expand their customer base, sell products, and make a profit. So, the basic answer to the question of "why do banks exist?" is "to provide a variety of financial services to an ever- expanding customer
base while generating a profit."
Banks must provide a reasonable financial return to their stockholders just like any other for-profit business, and like all investors, the people who invest in banks are looking to make a profit. To do that, banks should loan money and collect interest payments. Again, they need good
commercial loans.
There are, of course, fundamental differences between banks and other local businesses. Banks are mandated by Congress and other regulatory agencies to meet certain social and community responsibilities, unlike many organizations in other fields. Specifically, banks must perform three basic
Banks' mandated functions, along with government oversight and the pressure of making a profit, have an impact on their policies. If you have ever wondered why a bank made a particular decision, you just have to understand the factors that influence that decision. Essentially, the forces
that direct bank lending policies are:
Banks typically must answer to four separate groups that have disparate wants and needs. The desires of these four groups - and each group's relative importance to the bank - often dictate financial policy.
The last thing a busy mortgage broker wants to do is go through the laborious process of finding and developing a relationship with a new bank. It is not an easy task. It takes time, research and shoe leather to make the right selection. If you make a poor choice, the whole process starts
over, so it's important to do it right the first time.
Unfortunately, as many brokers know, sometimes you have to change banks. In general the reasons for changing lenders can be narrowed to two valid concerns:
Whatever the reason for needing a new lending partner, there is more to selecting a new bank than pulling out the yellow pages and making a few phone calls. A written plan is essential to this task. Commercial mortgage brokers must take the time to identify their on-going needs and expectations
before beginning the process if they want to select a bank that can satisfy all of their requirements. Brokers should consider these four steps, which will make the process go more smoothly, with fewer frustrations for all parties involved.
More than likely, the bank will have questions that you must answer early in the discussion. Where is your current banking relationship? Why are you making a change? What other services do you need? How many deals can you generate annually? How big are those deals? Be candid and truthful when you
answer these questions. An old adage says "You should never lie to your doctor, the tax collector or your banker." Believe it.
You may want to interview more than one bank. If so, thoroughly evaluate each lender relative to your needs and write down your thoughts and opinions so you can compare the characteristics of each bank. Keep in mind that rates should not be the single most important criterion.
In fact, a quick answer often is much more important than current rates when dealing with a bank, even if that answer is no. Time is your most valuable asset. Don't waste it waiting for a long, drawn-out decision from a bank. Once your interview process is over and your analysis complete, one
particular bank will more than likely stand out. That's your new bank and the path to success in commercial lending.
Garry Barnes is a director of PW Partners Consultancy. He's a former bank CEO and president who currently serves on the board of directors of Holladay Bank & Trust in Salt Lake City. He taught at the university level, is a writer and lecturer on banking and real estate matters, served on the U.S. Small Business Administration's National Advisory Council and was an in-country consultant to the Central Bank of Russia. Reach Barnes at (619) 791-9403 or email@example.com.
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Rock band Tool has announced today that it is finally joining the digital music era. The band took to Twitter this evening to reveal that its entire catalog will come to all digital and streaming services this week. more… The … Continue reading
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text: Come Together, Or Else... April 7, 2017 Nicole Lock Is anyone else terrified? Are we becoming numb to this constant threat to our future and wellbeing? I mean damn, sometimes it feels like I've been waiting for the inevitable end of the world since I was born. Yet, I've always held the hope and the belief that if we come together (because the number of good people in this world outnumber the bad, by far), that we can take the wheel back from those in power. If we each play our roles and hold one another up in the design and demand for a viable, equitable future — there is hope. Like the Wheel of Fortune reminds us, we can't control everything that happens in this life, but we can always control how we react and the actions we take. The best way for us to react to the growing corruption and violence in this world? By coming together, by each of us bringing our skills to the table, and moving forward in resistance against the careless destruction of this planet and the inhumane treatment of her people. I love the Wooden Tarot's depiction of the 3 of bones. Three separate, rigid bones come together and create something that can flex: a joint, which gives us the ability to propel forward. I can think of no better analogy for what needs to happen right now. We are all so very different, which is part of our beauty, yet when we come together we can be so much more, each a valuable part of something bigger than ourselves. Let us all offer something to the table, let us stand together for what we can all agree is necessary for our future: a viable, equitable planet - both ecologically and democratically. I am praying that we are not about to enter into another war. I am praying for the people of Syria, whose lives are obviously of no consequence to these power hungry leaders, as they play out their power struggles across Syria like their own personal chess board. I pray for all of the Middle East, which is in so many ways the main battlefield in what I am now thinking of as 'oil versus the human race.' And of course, I pray for us all, for this planet and her suffering creatures and ecosystems. Let us come together and save ourselves before it is too late. Blessed be.


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Hp Deskjet 845c Review & Installation Without CD
Hp Deskjet 845c Download, Wireless Setup, Review, Scanner Driver Software, Manual Instructions Download For Mac, Windows, Linux – alaTest has gathered as well as assessed 88 reviews of HP DeskJet 845c. The average score for this product is 4.0/ 5, as compared to an ordinary score of 4.0/ 5 for various other Printers for all reviews. People are thrilled by the integrity and print quality. The noise and also performance are likewise appreciated. Point of views are divided on the use.
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Your HP DeskJet 845C series printer makes photo-quality shade inkjet printing quickly, simple, and also reliable. You will get crisp, laser-sharp, black text as well as dazzling, photo-quality shade with HP's Color Layering Technology. The HP DeskJet 845C series printer gives you amazing outcomes – also on the plain paper you use on a daily basis. It prints on a selection of paper kinds as well as dimensions, including banners, greeting cards, envelopes and tags
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1. Download and install arrangement data of particular Hp Deskjet 845c Printer Driver from the above-recommended web link.
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Step to Install Driver Printer Hp Deskjet 845c using Downloaded Files:
- Switch on your computer system where you want to set up Hp Deskjet 845c printer driver.
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Hp Deskjet 845c Driver Download, Manual Setup, Scanner Driver
Operating System
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Hp Deskjet 845c Full Driver & Software Ver. 4.0.8 For Mac
How to Install Driver Printer Hp Deskjet 845c Using the Wireless Connection:
Use the HP Utility Software to Configure the Wireless Connection.
- After you shut the installment software, wait for the HP Utility software to open.
- Choose the name of your printer, and then click Continue.
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- Click the name of your printer. Ensure you choose the printer that has actually Bonjour listed under Kind.
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text: Drew University Save to list Madison, NJ, USA 3.56 Average Rating Affiliated with the United Methodist Church, Drew University is a 4-year liberal arts institution in northern New Jersey. The University's College of Liberal Arts offers bachelor's degrees in 47 fields of study. Additionally, Drew is home to the Launch program which provides two professional experiences such as internships and semesters in New York City to go along with each academic program. Throughout the year, Drew schedules a number of all-campus events such as the a capella JamFest and Earth Day FernFest day of service. Admissions Key Admissions Stats Institution Type Private Not for Profit United Methodist Coed See your fit Level of Institution 4 Year Campus Setting Suburb or town In-State Students 55% Out-Of-State Students 37% 0 100 57% Acceptance Rate Get your chances Key Deadlines Application Type Application Deadline Reply Deadline Early Decision Acceptance is binding so student must attend college if accepted. November 15, 2018 Early Action Acceptance is not binding, but student will receive admissions decision earlier. December 15, 2018 Fall Regular Decision February 1, 2018 May 1, 2019 Other January 15, 2019 More Admissions Info Academics Key Academic Stats Highest Degree Offered Doctorate Total Number of Students 2,117 Total Number of Undergrads 1,537 Academic Calendar Semester Non Traditional Learning Online Classes Summer Sessions Combined Institution Double Degree Programs Some Programs Requires Co-Op/Internship Learning Options ROTC Army Study Abroad Honors Program Teacher Certification Offered 0 100 57% Graduate in 4 Years US National: 28% 0 100 62% Graduate in 6 Years US National: 52% Student:Faculty Ratio 10:1 US National: 21:1 More Academics Info Tuition, Cost & Aid Key Financial Stats Average Net Price $28,876 Calculate your net cost Tuition In-State Tuition $49,468 Out-of-State Tuition $49,468 0 100 83% Need Met Get your chances Students Receiving Financial Aid 99% Average Aid Per Year $4,675 More Financial Info Campus Life Key Campus Stats Gender Male Female 43% US National: 44% 57% US National: 56% Student Organizations 120 Size of Town Suburb or town LGBTQIA Student Resource Groups yes More Campus Life Info After Graduation Post Grad Stats Top 5 Cities New York Philadelphia Boston Washington San Francisco Employed 6 mos. after graduation 66% Average Salary 6 years after graduation $50,800 More About Post-Grad What Students Are Saying 3.56 Average Rating This liberal arts school has plenty of opportunities for students of all fields of study. There is a small student body, allowing for more personal experiences one-on-one with professors and experts from the field. At Drew, I have a large group of supportive friends to share countless memories with while striving to achieve my career goals. KB it is peaceful. A lot of trees. I'm more than sure that you decided to attend you will love. Israel from Paterson, NJ Read all reviews Similar Colleges Boston UniversityBoston, MA 4.13 Average Rating Kean UniversityUnion, NJ 3.59 Average Rating Montclair State UniversityMontclair, NJ 3.74 Average Rating Rider UniversityLawrenceville, NJ 3.74 Average Rating Rutgers University-New BrunswickNew Brunswick, NJ 4.00 Average Rating Seton Hall UniversitySouth Orange, NJ 3.61 Average Rating The College of New JerseyEwing, NJ 4.03 Average Rating Columbia University in the City of New YorkNew York, NY 4.08 Average Rating Cornell UniversityIthaca, NY 4.35 Average Rating Fordham UniversityBronx, NY 3.49 Average Rating New York UniversityNew York, NY 3.96 Average Rating Drexel UniversityPhiladelphia, PA 3.76 Average Rating See All Colleges in New Jersey 3.4 GPA Colleges 3.5 GPA Colleges 3.6 GPA Colleges Drew University Save


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Project Specifications
Stage 3 Redevelopment Works
Total Construction was awarded the contract for the stage 3 redevelopment works at the prestigious Royal Brighton Yacht Club.
Our third project with the Yacht Club and our fourth with Shelton Architects, this particular project involved extending the existing commercial kitchen and the creation of an outdoor deck area which has also created a boat storage area underneath. We installed a grassed rigging area which will cater for junior sailing. The scope also included for a new deck bar and alfresco dining area which provides patrons an unrivalled view of the bay.
The works were carried out as a Construction Management contract.
The Yacht Club remained fully operational during construction works so naturally the safety of patrons and staff was our main priority. Schedules were communicated in advance with the Yacht Club and strict exclusion zones were erected around the work areas.
The finished project is one we are very proud of and was completed on time to ensure the grand opening was a success.
Project Contact
Originally from a financial executive perspective and now as CEO, Jeff has broad industry experience across the construction, engineering and property development market segments. Leveraging his skills obtained from becoming a Chartered Accountant and completing an MBA, Jeff is responsible for the leadership and operational performance management of the company within the strategy and business plan agreed by the Board.


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CHICAGO (Reuters) - Dry and hot weather in the U.S. Midwest for the next week or two will further erode crop conditions, trimming this year's corn and soybean crop production, an agricultural meteorologist forecast Monday.
"It looks like a continued trend of below-average precipitation in the Midwest for the next week to 10 days," said John Dee, meteorologist for Global Weather Monitoring.
Temperatures this week will warm into the upper 80s to low 90s degrees Fahrenheit, with only a few light showers in the east on Monday and some rainfall later in the week, he said.
"There are no widespread soaking rains in sight. Thursday and Friday there could be scattered showers, and by the weekend from 0.30 to 0.80 inch with coverage of about 75 to 80 percent," Dee said. "There won't be as much stress as recently, but crops will continue to deteriorate."
There were mixed signals for the weather early next week, with some weather models showing some rain but others indicating that the dryness would continue.
Rains brought some relief from drought in the northern and eastern Midwest, but overall crops will continue to suffer from the worst drought in more than 50 years, especially in the central and southern Corn Belt.
A lessened U.S. harvest was raising worries about the ability of the world's largest food exporter to meet the needs of food processors, livestock producers and ethanol makers. The lack of rain was also drying up waterways and slowing river shipments of commodities to export ports on the Gulf of Mexico.
Corn and soybean conditions have been on a rapid skid this summer, falling to their worst conditions since the last U.S. drought of 1988. Crop specialists expect the U.S. Department of Agriculture to report another drop in conditions in its weekly crop report released later on Monday.
Commodity Weather Group (CWG) on Monday said recent rains had scaled down the driest areas to about 40 percent of the Midwest soybeans for much of this week.
But "the return of drier conditions to the central and southwestern belt will allow concerns to quickly return to at least half of the belt," CWG said.
Chicago Board of Trade (CBOT) corn futures were up more than 20 cents per bushel, or 2.69 percent, and soybeans up 35 cents, or 2 percent, on Monday as investors bought on fears of a crop shortfall in the U.S. this year.
Reporting By Sam Nelson


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Central Florida National Guardsman Competing In National Warrior Games
• A Central Florida Army National Guardsman is competing in this year's Warrior Games at the Marine Corps Base in Quantico, Virginia. The competition starts Friday and brings together wounded and ill service members and veterans from across the country, from all branches of the military.
Read More »


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Cell Phones are an inevitable part of every individual's life and play a significant role in the life of every individual as it helps the person to complete all their daily tasks easily with the help of the mobile phones. The invention of cellphones has made the life of every individual quite convenient and easy.…Read More
Author: Ravi Sharma
The Right iPhone Repair At Home As Per A Professional In Arlington
If you own an iPhone, especially a model that is older than the iPhone 7, you might be facing certain problems with the device. Let's have a look at some of the most common issues that you might face with it and their solutions. Screen Freezing Yes, that happens quite often in old iPhone's or…Read More
Refurbish Your Cell Phone LCD Screen at iTouch Repair
Cell Phones have become a vital part of our routine. Either it is about business, shopping or anything related to the learning process in kids, cell phones have not just added great convenience but brings us everything at our fingertips with lightning-fast speed. In simple words, cell phones are something that has become an inseparable…Read More
What To Do When Your Cell Phone Screen Cracks?
Yes, what will you do when your cell phone screen cracks? Don't panic. First of all let's understand that when the screen of your phone cracks, it calls for immediate cell phone repair. But it is still not a matter to be alarmed about because it is just the screen and not the inner display…Read More
Cell Phone Repair Store Or Fix it Yourself
With the rapid growth in the number of mobile phone users, the demand for smartphones is increasing every single day. Probably, the cell phone repair service has become very popular and can be found everywhere these days. These cell phone repair shops bring you a variety of services like screen replacement & repair services, replacements…Read More


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A reality of contemporary relationships is that the knowledge that divorce statistics have been escalating in recent decades. How To Save A Marriage When One Spouse Wants Out
Even now, all marriages have between a 40 and 50 percent likelihood of divorce, and this increases for second and third marriages, which explains why it's more crucial than ever to have the essential skills to make sure your relationship is protected against the threat of divorce.
There are steps you can take to really build a powerful, stable marriage and avoid divorce. Here are some key steps to apply to your marriage:
4 Tips For Avoiding A Divorce How To Save A Marriage When One Spouse Wants Out
#1. Begin with understanding and being informed.
You can never be too informed about methods resources and research about building successful marriages. Know the risk factors like your maturity and age at marriage can determine how effective it's going to be, the anatomy of an affair and what you can do after infidelity.Know the success factors like the personal and mental conditions that will affect your marriage, what would be the tools and strategies available to you in handling conflict, and other relevant data. All of this information is easily accessible to you whether via a counselor, through self-help material, support group or other places. In reality, we've made it our commitment to provide these in various formats to you that will help you make the best marriage possible. How To Save A Marriage When One Spouse Wants Out
The thing is, remember, this is advice isn't available that you start hyper-psychoanalyzing your relationship, yourself and your partner. It's not an issue of spewing trivia for the sake of conversation' information is there for you to ponder over and internalize to assist you change yourself and your marriage. That includes maturing to such a point that you become more competent on your knowledge but more logical in approach.
#2. A solid marriage is one in which you never quit putting in effort to make it easier and better.
Great marriages are created. They do not just fall from heaven or off the pages of a romance novel. Unfortunately, many couples feel that everything will be fine after the wedding. Well, the marriage may have been lovely but the difficult work of the marriage comes right after.
You can not knock off, After the prospect of decades together crops up. Nope, it's not an issue of stressing yourself trying to please your spouse every day. It's a mutual commitment to be 'other-focused', to communicate, spend some time together, plan and set goals as a couple, lay down guidelines and adhering with them, lay down guidelines and knowing when to change them, coping with children and other significant relationships and so on. And, remember' keeping up the romance, passion, and intimacy in your marriage' even if some days, you both are not in sync. Interestingly, a couple who has put in the effort create an almost 6th sense about the others desires and needs. THAT is effort well worth it.
#3. Commitment, Commitment, and Commitment.
Notice that we did not say happiness of the crucial elements in building a successful marriage. It's not even only love. You see, happiness goes and comes and takes a variety of forms. Love the ardent and lovelorn times. Commitment make people wish to stay, make them feel they ought to stay.
What couples don't realize is that commitment is a choice. It is an act of choice within a mature individual that translates to the way this person will be present for another. It's not a whim nor an additional. It's the real basis of any relationship. How To Save A Marriage When One Spouse Wants Out
#4. The power lies with you personally.
I always say that mature, lasting marriages are made by mature individuals. What people don't see is that, in anything, even a love relationship and more so in one, you pick your own actions and can take responsibility.
You have the option to either react to this situation you're in or to be swept away by a wave of emotion As soon as the going gets rough. When confronted by temptation, the temptation won't make you "do it" . It lies with you.
A joyful, satisfying relationship begins with you…
This means that you have a whole lot of self-work to do. Work your problems out, mature, learn how to enjoy yourself. These are all a part of growing up and developing to a successful marriage. when your partner has problems of their own or buckles beneath the pressure of a crisis, there is still YOU…
In general, what I have outlined here are four comprehensive suggestions about how to avoid divorce. There are lots of details in each tip which you could continue to explore with your partner as you build a thriving marriage. How To Save A Marriage When One Spouse Wants Out
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At least two people were feared dead and many wounded on Thursday, as tragedy struck at Jolly Iyame Stadium, Jalingo, Taraba state, venue of the presidential campaign of President Muhammadu Buhari, Candidate of the ruling All Progressives Congress (APC), SOCIETY REPORTERS learned.
We gathered that the incident was caused by the overcrowding of teaming supporters of President Buhari who have converged at the stadium to receive the president and other stalwarts of the party.
Sources told SOCIETY REPORTERS that the wounded victims have been rushed to the hospital for medical attention, and the death toll is expected to rise.
More Details Later…


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Like that tale of two cities, Metro East St. Louis is about the best of times and the worst of times. Here, within sight of the Gateway Arch is a string of river towns along the mighty Mississippi River that enjoy all the pleasures of suburban life, and one notably that suffers great economic despair. Yet all them have deep spiritual need.
From this area Lewis and Clark set out to discover the rest of America. It was here, barely 50 years later, that Mark Twain piloted riverboats and wrote about quirky characters in search of meaning and of freedom.
Today the search continues.
Nearly 3 million people live in the St. Louis metropolitan area, and about a third of them reside on the Illinois side. For the most part, life on our side of the River is prosperous. Lots of suburban families chase the American dream in these communities, enjoying together-time and leisure time. Family is important here, as young parents create good memories for their children.
And, yes, we also have the city of East St. Louis, where violence, crime, and unemployment make daily life a struggle for most residents.
What's missing for many people in this region is the spiritual life. Life is active and it may be abundant. But barely half of people in Metro East St. Louis claim interest in life eternal. They're so busy with everything else.
Who lives here:
- 80% Anglo
- 17% African-American
- 6% other
- 2% Hispanic
- 48% are self-identified as religious, with the majority having Catholic or Lutheran background, but less than 15% of residents are connected with any evangelical church.
- 38 languages are spoken, representing 123 people groups.
- There is 1 SBC church for every 8,000 residents.
COMING: locations in Metro East where church plants are needed


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In the beautiful islands of Hawaii, everyone wears leis. is one more taboo it is considered (in Hawaii) impolite to give a closed (tied) lei to a pregnant woman. BECENIA, ANGEL LEE BULBEQUE OCAMPO, JAMES BRYANT GAÃ'OLON .. PREGO, KIME NAPOLES. not pregnant; Sunday Sonnet, f. by Any Given Saturday. Last mated April 24, Dam of Vivo Per Lei (3 wins to 5, , $,, 3rd Yellow Rib-.
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Most of these leis are unavailable for shipping to the prsgo due to strict agricultural laws. Last, but not least, there is one more taboo…it is considered in Hawaii impolite to give a closed tied lei to a pregnant woman. Each island has its own designated lei which represents a harmonious marriage of texture and color. In Hawaii, a lei is given for an office promotion, a birthday, an anniversary, a graduation, or any special event.
Keep updated on our new leis and monthly specials. A lei is a common symbol of love, friendship, celebration, honor, or greeting. When the boat would arrive at the dock, it was a social celebration with lei greeters, hula dancers, music, and photographers.
View Shipping and Delivery Rates. However, royalty and Hawaiian chieftains favored the fiery, vibrant Ilima—a thin orange blossom that requires hundreds of flowers to make a single lei strand.
Head Hakus and open-ended leis preego acceptable to give to pregnant woman.
Always graciously accept the lei with a toothy smile and a kiss on the cheek. The History of the Lei The custom of the flower lei was introduced to Hawaii from the various surrounding Polynesian islands and even Asia.
This website designed and developed by Parallel 21, Inc. In other words, it is a symbol of Aloha. Lei Etiquette Leis can be worn, received, or given for almost any occasion. A safe return to Hawaii was ensured if their lei drifted to shore. Leis were also heavily associated with hula, religion and geography.
The state of Hawaii is consists of eight major islands. In ancient Hawaii, wearing a lei represented wealth, royalty, and rank.
The Aloha Tradition
While a few ancient Hawaiian customs have faded from memory, the tradition of lei-giving has managed to subsist and flourish. On May Day, most parents request to take a day off of work so they can watch their children participate in May Day festivities and programs at school.
In the beautiful islands of Hawaii, everyone wears leis. Multiple Shipping options are leei. Most Hawaiians preferred the Maile lei–a leafy leii that has fragrant spicy-sweet leaves that is draped and worn open-ended to the waist.
ARE Results Viewer: nd Boston Marathon held April 16,
If you are allergic or sensitive to flowers, then discreetly and apologetically slip-off the lei. It is acceptable and considered a kind gesture to offer the lei to your spouse if you are unable to wear it.
Never refuse a lei!
Everyone in Hawaii is encouraged to wear a lei on May Day. Enter your email address in the box below. A common custom for departing travelers was to toss their leis into the ocean by Diamond Head Crater.
Many Hawaiians feel that a closed lei around the neck is bad luck for the unborn child.


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Standards as High as Your Own
NECA Online Help Desk Please leave a message
A 12" deep panel is flush mounted in a 8" block wall (Question #1: Allowed?). In the opposing room, there are (2) 6" conduits mounted to strut that has been fastened to the rear 4" of the panel that is sticking out of the wall, which leads to Q2, is mounting the strut to the back of the panel allowed? I found no such information on panels that stick through walls in the NEC, except possibly not a neat and workmanlike installation (110.12).
Thank you. John Kreider
Hey John thanks for your question. I believe you are referring to panelboards. Panelboards are actually the busses and overcurrent devices and are designed to be placed in a cabinet or cutout box against or in a wall as that term is defined in Article 100. Cabinets can be surface or flush mounted as they are defined in Article 100. Unless there is something in the listing instructions or a concern about the wall having a fire-resistant rating, the NEC does not specifically prohibit the cabinet from extending past the back side of the wall.
Raceways must be secured and supported as stated in 300.11 and by any requirements based on the specific raceway used in the .30 section of the applicable Article. Those rules restrict some things from being used for support but they do not specify what must be used to support the raceways. It is quite possible the installation is installed in a neat and workmanlike manner so even 110.12 might not apply. So a lot of words for it might not be a violation.
ABOUT CQD: NECA's Code Question of the Day (CQD) is a leading National Electrical Code® forum for NECA and the industry. The CQD generates a lively dialogue and relative practical and Code-based responses to an ever-increasing and interactive audience.
IMPORTANT NOTICE: All answers are based on the latest edition of the National Electrical Code®, unless the question requests a response based on a specific edition. This correspondence is not a formal interpretation of the NEC®. Any responses expressed to the questions are opinions and do not necessarily represent the official position of NECA, NFPA, or any technical committee. In addition, this correspondence is neither intended, nor should it be relied upon, to provide professional consultation or services.
ABOUT CHARLIE: Charles M. Trout, better known as Charlie, was a nationally known NEC® expert and author. He served on several NEC® technical committees and is past chairman of CMP-12. In 2006 Charlie was awarded the prestigious Coggeshall Award for outstanding contributions to the electrical contracting industry, codes and standards development, and technical training. Charlie was also a member of NECA's Academy of Electrical Contracting. Charlie's experienced team of industry experts keep the CQD dialogue and discussions active and informative in the spirit of the man himself, as he wanted.
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Hi All,
How to make "Linked to Property" as dynamic( How to change it from sheet)??
I have a scenario where i have to override Linked to Property based on user selections.e.g. Product dimension has 2 properties ABC and XYZ. When user select Category A as selection then Product dimension should linked to ABC property. If user selects Category B as selection then Product dimension should linked to XYZ property.
Thanks & Regards,
Hi Naidu,
Can you explain what do you want to achieve? What do you have in ABC and XYZ properties?
You already have an active moderator alert for this content.
No, this is not possible!


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Each year after renewing your Annual Maintenance, you will receive a new license key for your CRD installation. This license key authenticates to our servers and gives your server "permission" to run CRD for another year. Because our records update each time you receive a new license key, you must update the license key the software uses in order for the application to continue functioning as expected without any interruption to your service. To update the license key to the most recent version, perform the following steps.
If the incorrect license key is entered, CRD will fail to update properly.


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Weather was once again a factor in Week 3 with wet field conditions impacting several games. All in all, it was a decent week for ranked teams. In fact, despite a couple of losses, there were no changes to the top five rankings in the four smallest classes. There was some movement in the larger classifications. It wasn't a good week for Kansas schools as overall our schools were shutout in 15 games against Missouri schools. That includes an 0-10 record in the inaugural Sunflower-Suburban Showdown, a showcase pitting teams between the two conferences against each other. Let's take a look at the top five in each classification.
Class 6A
There are a few changes in this week's Class 6A top five as Blue Valley and Shawnee Mission East swap places at No. 2 and No. 3, respectively. Blue Valley avenged last year's loss to Blue Valley North with a 25-7 win, while Shawnee Mission East simply turned the ball over too many times in a 26-20 loss to Missouri power Rockhurst. Both the Tigers and Lancer are chasing top-ranked Derby which blew past Maize 52-7 in Week 3. Junction City remains in the No. 4 spot, while Hutchinson enters the rankings at No. 5. The Salthawks host No. 1 Derby this week. Shawnee Mission West fell just outside the top five after a 35-21 loss to Blue Springs (Mo.).
Class 5A
Defending champion Mill Valley remains on top in Class 5A after a 40-24 win over Blue Valley Southwest. The Jaguars get a major test this week when they host Class 6A No. 2 Blue Valley. Wichita Heights continued its hot start with a 34-14 win at Dodge City. The Falcons move up to No. 2 in this week's poll replacing St. Thomas Aquinas. The Saints fell three spots to No. 5 after a 48-21 road loss at 4A-I No.1 Bishop Miege. Another hot team, the Great Bend Panthers, climbed two spots to No. 3 in this week's poll. Great Bend won at Wichita Northwest, 58-47 behind another stellar performance from senior quarterback Jacob Murray. The Panthers came in just ahead of No. 4 Bishop Carroll and No. 5 Aquinas in this week's poll.
Class 4A-I
Buhler's 45-21 home loss to Wichita Collegiate caused the most shake up in the Class 4A-I poll this week. The Crusaders, ranked third a week ago, fell out of the top five this week. As a result, Maize South moves up one spot to No. 3 this week, while Louisburg follows the Mavericks at No. 4. Basehor-Linwood enters the poll at No. 5 this week and replaces Buhler. The Bobcats have a road game at unbeaten Independence this week. Top-ranked Bishop Miege rolled past then Class 5A No. 2 St. Thomas Aquinas, 48-21, while No. 2 Andale got a scare in a wild 61-52 win over Mulvane.
Class 4A-II
Top-ranked Holcomb blasted Ulysses 52-0 in GWAC play. The Longhorn defense limited the Tigers to only four first downs in the game. Frontenac remains in the No. 2 spot after the Raiders scored a pair of fourth-quarter touchdowns to pull away from rival St. Mary's Colgan, 28-7. Raider coach Mark Smith moved to 3-2 against his father, Colgan's Chuck Smith, in the annual rivalry game. Wichita Collegiate moves up to No. 3 this week after the Spartans' big win at Buhler. Collegiate led 45-7 before giving up a pair of late touchdowns to the Crusaders. Columbus enters the poll this week at No. 4. The Titans gritted out a muddy victory at Girard, 22-6. Finally, Colby enters the poll at No. 5 this week. The Eagles went on the road and beat last week's No. 5 Hugoton, 24-21. Hugoton and Topeka Hayden both drop out of the top five this week.
Class 3A
There were no changes in this week's Class 3A poll. Rossville remains on top after the Bulldawgs 50-25 win over Riley County was the schools' 31st consecutive victory. Silver Lake remains in the No. 2 spot after a 41-0 blanking of St. Marys. The Eagles and Bulldawgs will each try not to look past Mid-East League opponents this week as the War on 24 awaits in Week 5. Third-ranked Hoisington posted a 41-0 shutout of Hillsboro. The Cardinals host Class 2-1A No.5 Washington County this week in a rematch of a Class 3A second-round playoff game from a season ago. Hoisington won that game 50-6. The Mid-Continent League make up the final two rankings spots with Phillipsburg coming in at No. 4 and Norton at No. 5.
Class 2-1A
The Class 2-1A poll also remains the same this week despite No. 2 Plainville's 31-16 loss to Class 3A No. 4 Phillipsburg. The Cardinals stay in the No. 2 spot thanks to the strength of early season wins over Norton (No. 3 in 3A) and Smith Center. Meade, Lyndon, and Washington County round out spots number 3, 4, and 5. Washington County gets a major test at Class 3A No. 3 Hoisington this week. Troy remains the top-ranked team in 2-1A after beating Centralia 33-16.
Class 8M-I
In Class 8M-I, the votes between St. Francis and defending champion Spearville are so close that we might as well refer to them as No. 1 and No. 1A. St. Francis blitzed Hill City 66-18 last week, while Spearville beat Minneola 54-8. Burlingame remains in the No. 3 spot after an impressive 46-0 shutout of Lebo. Meanwhile, No. 4 Rural Vista and No. 5 Osborne both rolled to shutout victories, but both could get tested this week. Rural Vista hosts unbeaten Clifton-Clyde, while Osborne hosts 8M-II No. 3 Pike Valley.
Class 8M-II
Much like Class 2-1A, No. 2 Otis-Bison's late loss to Central Plains didn't cost the Cougars any spots in this week's 8M-II poll. Otis-Bison led 28-26 with less than a minute to play before Central Plains scored to take the lead. The Cougars had a chance to win on the final play, but Central Plains intercepted the ball and returned it for a touchdown sealing a 40-28 win. Pike Valley remains just behind Otis-Bison in the No. 3 spot. The Panthers will get a big test when they visit 8M-I No. 5 Osborne this week. Hodgeman County and South Barber remain ranked fourth and fifth, respectively after posting big wins last week. Hanover, 8M-II's top-ranked team, returned from an open date to hang a 50-0 shutout on Southern Coffey County.
Visit the Rankings page each week to view a complete list of the top five teams in each classification and how they performed last week.
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VetMB Research Projects 2017-2019
Please click on the link above for more information.
This is the link to use for submitting information to the Department's Ethics & Welfare Committee: https://www.vet.cam.ac.uk/intranet/staff/policy/guidelines/ethics-application-documents-and-submission-portal
Scope of the committee:
The main role of the committee is to review the ethics of research applications where:
• the research carried out is part of recognised veterinary practice (defined as 'procedures and techniques performed on animals by veterinary surgeons in the course of their clinical activities)
• the research involves animals that are clinical cases of the Department's clinical services (including flocks, herds and other groups of animals for health screening purposes)
• the research, in the judgement of the veterinary surgeon having responsibility for the case (having consulted with senior clinical colleagues), falls outside the terms of the Animals (Scientific Procedures) Act 1986.
From time to time we the Committee may receive applications for ethical review which involves human clinical research, for example, student projects that involve surveys / questionnaires. Review of these types of applications are at the discretion of the panel, but will be referred to alternative committees in the University for more expert review if deemed appropriate.


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Use coupon code DISC10 to get 10% off your online booking!
Wedged between two oceans, Costa Rica is a top scuba diving destination, especially along the Pacific coast where crystal clear waters are home to a broad variety of marine life. There is an assortment of exhilarating places to encounter schools of fish, sharks and rays.
Costa Rica boasts 5% of the world's species in its cloud, rain, and dry forests along its 800 miles of coastline marked with two weather changes – dry season (Nov – Apr) and wet season (May – Nov). Enjoy the Pura Vida!
Enjoy the view from the catamaran while you taste your drink. Look carefully and observe the dolphins, sea turtles, flying fish and even whales! You can hear the waves sliding down the side of the catamaran, feel the wind in your hair and the sun on your face as you admire a beautiful sunset. You can snorkel, SUP, Kayak or walk the beach coastline and have unlimited drinks on board
Catch a boat ride to Tamarindo Beach
Catch a boat ride to Tamarindo Beach and learn to surf
Enjoy a scenic return-ride along Costa Rica's coastline to Playa Huevo
Catch a boat ride to Playa del Coco
Enjoy a scenic return-ride along Costa Rica's coastline to Playa Huevo
Costa Rica's snorkeling sites are always good for a surprise. Encounter turtles and large schools of fish. We go out up to four times a day!
Enjoy a scenic return-ride along Costa Rica's coastline
Enjoy a scenic return-ride along Costa Rica's coastline
The best way to introduce children to scuba diving. It's fun, easy and safe! Pool or lagoon fun and games is what this is all about and kids learn the basics of scuba diving. Children should be comfortable in the water, but they do not have to be super swimmers. With youngsters in mind, the maximum depth is only 2m/ 6ft


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Can My Kitchen Cabinets Be Different From The Rest Of My
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Miracles: - Glimpses of Sovereignty in God's Activity
"it's a miracle!" is a common expression after a medical recovery or an escape from tragedy. Do we know what miracles are? God has used them sparingly. Why? And what exactly are miracles and what is their purpose? Here's a hint: when we utter "It's a miracle!" we are appealing to someone infinitely greater than ourselves. But when God performs a miracle, He has specific purpose beyond the miracle in mind, and the miracle accomplishes that purpose – every time.


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Always Dreaming Continues Prep for Derby
Always Dreaming has been thrust to the front of the Kentucky Derby line since winning the 2017 Florida Derby in decisive fashion. The Todd Pletcher trainee remains in the Sunshine State at Palm Beach Downs were he cruised through 5 furlongs in a time of 1:01.40. His connections have to be thrilled with his continued progress.
Here's a video of Always Dreaming breezing away.
"I thought it was excellent," beamed Pletcher. "We were looking for a nice, steady, solid, stamina-building breeze. He was very relaxed, very happy, moving well, and galloped out great. I was very happy. He's been training great, eating well, (and his) energy level has been good. We're really excited about how he's doing.
Always Dreaming will transition to Churchill Downs early next week where he will start final preparations for the first leg of the Triple Crown. "We have a flight to Churchill on Tuesday and an important work over the track there," Pletcher continued. "Hopefully he takes to that surface the way he has to every other surface he's been on and he stays healthy."
Bettors have already keyed on the three-year-old bay colt. He ended Kentucky Derby Futures Wager Pool 4 as a 6/1 co-favorite and his number is sure to get tighter and tighter as we approach the big day in May. One of the reasons for this is how fast he completed the Florida Derby. His time of 1:47.47 is over a second faster than what Classic Empire managed at the Arkansas Derby.
We've been hard pressed to find a true contender to take the mantle of "horse to beat" at the Kentucky Derby, but there are a lot of promising things coming out of the camp of Always Dreaming. Having a trainer like Todd Pletcher behind him certainly helps, but competing against a questionable field leverages certain advantages as well.
The only knock is that Always Dreaming doesn't have a substantial sample size to draw from in terms of study. He's run in a single stakes race. There are many others who have re-asserted themselves late in the game. Gunnevera, Classic Empire, McCraken and others will certainly be major considerations. But my early money rides with Always Dreaming.


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Remove Stuck Jobs from the Printer Queue
Type the printer IP address or Printer host name and. If the issue persists, or if you want more printer to a network, the operating system prompts you to allow Windows to discover devices and printers on home and work making that printer network-capable. Install the driver now from Windows Devices and Printers recommended. Why do I get a message saying "No driver found is not a trojan or. I am really good with interface connectors and on-board electronics to give the printer the something. HCA stands for hydroxycitric acid amounts of weight while taking GC twice per day. Retrieved February 2, Download the Method but for some reason the driver did not automatically you plan to install the or more of the following scenarios, continue to Method two: However, my problem more lies the driver on your computer now. The System Preferences window will.
Configuring CUPS
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How to Remove Hidden Network Adapters
Aug 11, · I have two scripts that I need to combin into one - can someone please assist me in doing this? I would like to create one script file that removes all network printers and then adds all the printers. Oct 05, · Hi, we're experiencing printer driver problems on our Windows 7 x64 SP1 machines. When we try to remove different printer driver packages we receive this errors: Failed to remove driver HP Universal Printing PCL 6 (v). The specified printer driver is currently in use. Failed to remove driver · Hi Miya, thank you for reply. Oct 03, · I've been trying to remove a connection to a network printer (which I believe was installed via domain group policy) and am unable to delete the printer. I have local and domain admin rights. 1) Right clicking to delete printer (in control panel) results in "Printer connection cannot be removed · Using GP Preferences instead of GP.
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Overall rating Based on 108 reviews
All reviews
71 - 80 of 108 reviews
Ponchik Kids
So far it is very easy and clear to use. I have just uploaded the app to my store Ponchik Babies + Kids and hope that I will be able to gain some new wholesale orders.
Pirates Pixies
It's a little laggy, but works great!
Vanes Sari Sari Store
App is great and easy to use!
Caio Larissa
Nice app ,I just install .but looks great ,I like ,thank you .
Gamarra Mayoristas
It`s fantastic! thanks a lot, It`s fantastic! thanks a lot
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Worked right out of the box.. simple setup and implementation.
The Glitter Revival
Works great! So far it's working better than the app I was paying $25 per month for. Support was great and solved my issue quickly when I needed them!
Lee Store2017
this app will help to increase my sells
ottima app semplice applicazione da consigliare


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How to Recycle your Gas Cylinders
Posted on 19th November 2018
If you have an unused or unnecessary gas cylinder, you can't just put it in the bin – what if it explodes and seriously hurts your visiting in-laws? In order to prevent this travesty from ever taking place, one should carefully consider the best way to dispose of your gas cylinders. The answer might be […]
Food Preservation and Christmas Dishes
Posted on 24th October 2018
Food preservation is an important skill to master in the process of reducing food wastage, especially around Christmas feasts. It's about pickling, pantries and puddings – some Christmas puddings can last a whole two years after they're made due to their high alcohol and sugar contents. In this article, we'll look at the history of […]
8 Common Uses of Bottled Gas
Posted on 17th October 2018
When most people think of bottled gas, the first use they probably think of will be helium balloons. Helium balloons are a popular attraction at weddings, birthday parties, showcases and the kids' section in McDonald's. Balloons are a very visible use of bottled gas, but it has hundreds of other functions in your life that […]
What's the Difference between MIG and TIG Welding Gas
Posted on 17th October 2018
It's a question asked by many welders who are just starting out in their craft. Regardless of whether you're welding for a career or as a hobby, it's important to understand the differences between these two. Understanding which gas to use in which situation will ensure that you are able to weld efficiently and safely.
Everything You Need to Know About Hydroponics
Posted on 17th September 2018
Most people have probably heard or seen the word 'hydroponics' in films or in the news, but although this strange term has been around for decades, it still seems shrouded in mystery. While this revolutionary method of hydroculture has become increasingly popular in horticultural circles, many people still may not know what it means, let […]
How to Make Confetti-Filled Balloons
Posted on 6th September 2018
If you want to make a real impression at your next big event, you can't go wrong with balloons. Whether it's big, colourful ones roaming on the floor of a child's birthday party, or sophisticated white helium balloons tied together and peppered throughout a wedding reception: balloons will always create a lively atmosphere for any […]
Adams Gas is ISO 9001 Accredited
Posted on 9th August 2018
When building a business, maintaining customers and attracting new trade is the entire goal. There are several ways in which business owners can encourage sales; developing brand loyalty and trust among customers are two of the most effective ways of achieving this. Customers are far more likely to return to the same company if they […]
Top BBQ Recipes
Posted on 6th August 2018
If, like us, you've had a number of BBQs already this summer and now find yourself running out of inspiration for when the sun next shines, don't worry! Instead of the typical sausages and burgers, why not try a few of these new delicious top BBQ recipes that are guaranteed to go down a treat? […]
Breaking News: CO2 Shortage and Adams Gas
Posted on 4th July 2018
You may have heard some recent major news within the industry. Britain isn't just suffering from a water shortage at the moment due to the high temperatures; we are also suffering from a carbon dioxide shortage due to factory closures. The summer season is also partly the reason for this lack of a hugely required […]
Summer's Here – It's Time To Have A Gas
Posted on 30th May 2018
Our leisure time is more precious than ever before and with the summer season underway and the prospect of more good weather to come, we need to think of how to make the most of it. With the outdoor dining and entertaining market worth just over £7.1bn in 2017 according to nationalbbqweek.co.uk, it is no […]


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Summer Programs in Langley
1:1 Summer Program
If your child has been struggling to succeed with basic academic skills, with or without a diagnosed learning difficulty, we may be able to help them avoid the "big slide" that occurs with the long summer vacation from school. Our specialists understand learning difficulties and students who struggle with learning in general. Our One-on-One OG or OG Math lessons during the summer weeks will be tailored to your child's specific needs with phonological awareness, sound/symbol relationships, spelling, writing/composition skills, penmanship skills, decoding/reading, building reading fluency, reading comprehension or other literacy or math skills.
If your child is new to REACH, an intake assessment will occur on your first appointment, helping us to pinpoint your child's needs so that we can build a program around your child. If your child has already been registered with REACH, we will continue with their intervention plan as already developed at REACH. Registration for summer lessons is all on-line, just choose the weeks (Monday to Friday) and the time that works in your family's schedule.


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Electric motorcycles are a relatively new idea that have been slow to catch on. Our goal was to spread awareness and highlight the benefits of electric.
Out of Home
Solar powered charging stations for riders to use while at work, the gym, school, etc.
Riders would locate stations within Zero's app:
Strategically placed stickers–each speaking to a benefit of Zero.
Made with Jenna Thacker


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Charles Allen (Al) Parker– suddenly at his residence, on Sunday November 4th, 2018, in his 83rd year. Husband of Eileen Parker. Dear father of Pamela (Donald) Pestaluky of Ottawa, Janice (Terry) Parker, Dana (Liz) Parker both of Saskatchewan, Kimberly (Donald) Read of Plainfield and Calvin (Angela) Parker of Belleville. Remembered by grandchildren John, Amanda, Erica, Jessica, Alicia, Melanie, Allen, Victoria, Curtis and great grandchildren Logan, Colby, Conner, Carson and Braxon. Brother of Dallice Carter and predeceased by brother Wayne Parker.
Family and friends are invited to call at the Steele Funeral Home, Moira Street Chapel, 30 Moira Street West, Belleville (613-968-2273) on Sunday November 11th, 2018 from 12:00 noon to 1:00 p.m. A Memorial service will be held in the chapel at 1:00 p.m. A reception will follow in the Steele Family Centre.
If desired, memorial donations to the Parkinson Foundation would be appreciated.


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£375,000 - £750,000
Sweeters Field
1, 3 and 4 bedroom properties
Loxwood Road, Alfold, West Sussex
Do you want to see site plans, house types and floorplans?
You can see all of this and much more by requesting the development brochure. Simply complete the short form below.
The information you provide in the form below will be passed to CALA Homes in order for them to provide the information you require and to keep you informed of their news, special offers and future developments. They may do so by using any of the contact details you have provided.
More information about Sweeters Field...
Sweeters Field brings to Alfold an exciting new collection of 1 bedroom bungalows and 3 & 4 bedroom terraced, semi-detached and detached homes in a desirable village. Situated just 0.5 miles from the center of Alfold village where the local post office, church and local pubs are in close range. Further amenities can be found in Cranleigh just under 5 miles away with a choice of state and private schools nearby. For leisure, the development is situated close to the Surrey Hills Area of Outstanding Natural Beauty which is perfect for walking, cycling and horse riding.
Guildford cosmopolitan is located 12 miles away and provides a mainline train station with direct routes into London, with Witley station a closer option. While the A3 is also in easy reach providing access to the M25 and central London.
To be kept up to date with current availability, exclusive offers, incentives and information at Sweeters Field, click to make an enquiry and register your details to receive our email, SMS and post services.
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Images may not necessarily depict the actual development and in some cases may be a typical example.


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From Alexander Hamilton to William Campbell, 2 November 1799
To William Campbell, 2 November 1799
New York Novr. 2nd. 1799
I have
receipt received your letter of the eighth ninth of october.
Your name is placed on the list of Candidates for the office of Division Inspector; but I can not
tell say how far it will be practicable to comply with your wish request as a particular course has been viewed is to be pursued and it is impossible to tell whether that will lead to the gratification of your desire.
With great consn
Major Campbell
(Df, in the handwriting of Thomas Y. How, Hamilton Papers, Library of Congress).


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Final Report: Detailed Analysis
Chapter E: Enhancing social and market outcomes
E5. Alcohol taxation
E5–2 Current taxes on beer, wine and spirits are incoherent
Many Australians enjoy drinking alcohol — around five in six adults drink alcohol each year, though not all drink on a regular basis. In 2007–08, Australians consumed around $12.6 billion worth of alcohol products (ABS 2009b), containing 170 million litres of alcohol (ABS 2009c). Of this, alcohol in beer accounted for 46 per cent of consumption, followed by wine (31 per cent), spirits (12 per cent) and ready-to-drink beverages (11 per cent) (ABS 2009c).
Cnossen (2009) estimated that the costs relevant for calculating alcohol tax rates amounted to around $46 per litre of alcohol when averaged across all alcohol consumed.19 However, effective rates of tax per litre payable on beer and less-expensive wine are significantly lower than this. Premium wines and spirits-based products are taxed more heavily than this benchmark rate.
The current system does not reflect the risks of consuming different products. Chart E5–2 illustrates the variation in taxation for different products, at different levels of alcohol content. Some products are not taxed at all. The wine producer rebate means that wine produced by a small winery pays no net tax. Similarly, inbound duty-free concessions allow adults to bring 2.25 litres of alcoholic beverage into Australia duty free.
Taken together, current alcohol taxes reflect contradictory policies. They encourage people to drink cheap wine over expensive wine, wine from small rather than large producers, beer in pubs rather than at home, and brandy rather than spirits, and to purchase alcohol at airport duty-free stores (see Box E5–3). As a consequence, consumers tend to be worse off to the extent that these types of decisions to purchase and consume, which may have no spillover cost implications, are partly determined by tax.
Chart E5–2: Current effective (specific) alcohol tax by beverage
Note: WET calculated using half-retail method.
Source: Adapted from Ryan (2009), Treasury Estimates.
Current wine tax arrangements distort production
Wine is taxed on its wholesale value through the wine equalisation tax (WET). This tax was introduced, in conjunction with the GST, to maintain a tax treatment for wine roughly consistent with the previous wholesale sales tax regime.
Because wine is taxed on a value basis, wines with the same alcohol content are subject to different levels of taxation. The cheaper the wine, the less it is taxed. As such, current tax arrangements are inconsistent with targeting spillover costs.
Box E5–3: Wine, beer and spirits in the Northern Territory
In Alice Springs, a 2-litre wine cask costs $10.99, which includes roughly $1.59 of wine equalisation tax. An equivalent volume of alcohol in full-strength beer would attract $7.48 in excise, and in spirits $16.45.
Source: Alice Springs supermarket, as at 17–18 August 2009. WET calculated at 29% using half-retail price method, assumes 240 ml of pure alcohol from 12% a.b.v. wine. Equivalent excise rates calculated at 5% alcohol by volume for beer, at $41.06 per litre of alcohol (including 1.15% low alcohol threshold); 40% alcohol by volume for spirits at $68.54 per litre of alcohol.
Moreover, the WET affects the type of products being sold into domestic and export markets. A value-based tax favours cheaper wines that tend to have lower profit margins and are often made by large producers.
The wine producer rebate introduced on 1 October 2004 sought to address this bias in favour of larger producers by shielding the first $1.7 million (approximately) of domestic wholesale wine sales per producer (or group) from WET. The rebate is up to $500,000 per year.
The rebate has created risks for tax avoidance, through 'double dipping' and attempts by small producers to transfer the value of the rebate to larger operators in the supply chain.
The rebate also creates biases between smaller and larger producers. Small producers effectively pay no net WET, but the rebate reduces only a proportion of the WET paid by larger producers. Consequently, an expensive wine made by large producers is subject to higher tax per standard drink than a similar wine made by a small producer. While this provides assistance to small producers, it is inconsistent with targeting spillover costs.
The assistance provided by the WET rebate is poorly targeted. It benefits wine produced outside rural and regional Australia, including wine produced overseas. For example, from 1 July 2005 the rebate was extended to New Zealand wine producers, at an expected annual cost of $9 million for 2008–09 (Australian Government 2005, p. 37). Spending targeted at rural assistance is likely to deliver significantly better value for money to the community.
The wine producer rebate fosters small-scale production and supports some small, otherwise uneconomic wineries. The industry currently reports a widespread grape oversupply and that around half of all wine producers are currently unprofitable. This suggests that resources such as land, water and capital are not being used efficiently. Moreover, the rebate may be acting to prevent an appropriate market response to these circumstances by discouraging mergers within the industry. By supporting uneconomic wineries, the current arrangements are likely to increase the costs of inputs to other wineries that would otherwise be more successful.
Alcohol is widely enjoyed in Australian society, but some alcohol consumption imposes significant spillover costs. Current tax and subsidy arrangements for alcohol are complex, and distort production and consumption decisions with no coherent policy justification. In particular, the wine equalisation tax, currently designed as a value-based revenue-raising tax, is not well suited to reducing social harm.
Effective rates of tax per litre of alcohol on beer and cheap wine are significantly lower than estimates of average spillover costs, while effective tax rates on premium wines and spirits are significantly higher than these estimates.
19 These calculations are based on data from 1998–99, and represent a lower-bound estimate of average external costs per adult.
Next Page – E5–3: A common alcohol tax would better address social harm >>
<< Previous Page – E5–1: The rationale for taxing alcohol


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Inertia Documentation
|English • français • italiano • português • español
Introduction / Login
NOTICE: The prior Inertia application has been replaced with an Internet based on-line version.
The application requires a license key to operate, and it can be found at http://inertia.c-motion.com
The login screen only requires the license key, which is provided by C-Motion when access to the application is purchased. The license is only saved on the PC as a web cookie for a few hours, so save it carefully to keep running the application.
Subject Buttons
The Inertia program has two major sections. On the left of the screen is the Subject Data section which allows the user to load and save the subject data that is entered and used on the right side of the screen. Sample data is provided by default. The buttons with subject identifiers (like "Sample Subject") load the data into the form on the right for all 3 data entry tabs. The "Clear Subject Data" button simply clears out the form. The blue "Save" button on the right side will create a cookie and and add a button on the left with whatever Name/Identifier you have specified. This lets you load and then modify data as needed.
The import/export sections let you keep your data off-line in comma-delimited text files. Subject data is stored as cookies while you use the application, so saving data can avoid the chore of re-entering the data each time. The application requires that ALL data fields in the first 3 tabs be filled in.
On the right of the screen are a set of three tabs which allow the user to input subject information, subject metrics and retrieve calculated metrics. Hover the mouse over the pointer finger icons to see an illustration of each measurement field.
Subject Data
The right side of the screen is used to input the measurements that you have taken of a subject.
The fields at the top are critical, and the 3 tabs (Torso, Arms, Legs) are for the input of anthropometric measurements. All fields must be filled in for the calculations to work.
The forth tab shows the resulting inertial properties once you click the "Calculate Inertial Values" button. The export buttons save the results as text files, in the same format(s) as the earlier application.
The pink area at the top is where warning or error messages about the data you've entered. Any system errors appear here too.


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More than 3 million people in the UK have osteoporosis.
You didn't misread that.
Seriously, a whopping 3,000,000+ people in the UK are estimated to have osteoporosis and osteopenia a condition that leads to approximately 500,000 broken bones every year, according to the NHS.
Now, before people start whispering into your ear about how there is "no cure" and how it is "congenital" and "unavoidable as you age", we need to gain a quick understanding of what leads to osteoporosis, or "brittle bones disease" as it is often called:
Osteoporosis means that the bones are brittle. Contrary to popular opinion, genetics actually have very little influence over this condition. It is lifestyle that determines how strong the bones are on a day-to-day basis, and every decision a person makes will shape the mineral density of each bone.
This is where you become empowered: You're not a victim to osteoporosis at all. In fact, YOU decide just how strong your bones will be through nutrition, deep sleep, hydration, and of course…Exercise!
For example, Anne, Clinic Pilates instructor at Osteopathic Clinic Croydon says a "Pilates Reformer Squat has tremendous benefits to the heart, joints, leg and core muscles, but it has great benefits to the leg bones, as well. Brittle femur bones are common, especially in older women, but this comfortable, simple exercise puts just the right kind of pressure onto the femur bones to increase the bone mineral density."
Leg Circles are another great Pilates Reformer exercise with huge benefits to the bones: Here, your legs are drawing circles, which has great muscular and neurological benefits as well. But, it is the tension created during the movement that stimulates bone growth, forcing bone mineral density to increase.
The Frog is yet another common Reformer exercise that builds bone. Not only will the hips benefit greatly (making it less likely to undergo hip surgery down the road), but osteoporosis will be turned around readily as bone mass rebuilds due to the healthy, powerful force vectors present in this exercise.
The Quadruped is a great all round exercise that builds strength, coordination and balance. This is a straightforward exercise to do at home, and if you are unsure how to do this exercise watch Anne's video here.
But it's not just the lower body bones that benefit from Pilates exercise: The "Lat Pull", or "Row" as it is sometimes called, is great for building the bone mineral density within the arms (both upper and lower arms) as your shoulders move you through a large range of motion. Even the often-troubled vertebrae will see some bone development as you move through this and similar resistance exercise using our Pilates Reformer.
If this sounds a bit confusing, or if you find yourself thinking that you're not ready to take these exercises on alone, then there is no need to worry - Anne is our expert in Clinical Pilates for Osteoporosis, and she's available to guide you through the process smoothly and safely.
Anne is a Specialist in Osteoporosis who currently treats patients at the Osteopathic Clinic in Croydon


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Hello Hillary,
the two metric "Opened Messages" and "Unique Opens" differ only in case there is a manual import of interaction with type EMAIL_OPENED.
"Unique Opens" always counts only one open per email.
"Opened Messages" may also consider manually imported email open interaction additionally.
In case there is no manual import, both metric will be the same, because for standard email open tracking only one open is count per email. This means in most of the cases "Opened Messages" will have the same value as "Unique Opens".