text:
ST. LOUIS — Martial arts instructor Ken Harding calls it his dream job, running St. Louis School of Arms and teaching historical European martial arts five days a week, including swordplay.
"It's actually an Italian martial art and being part Italian myself I found a strong attraction to that," said the 53-year old Harding. "This is something not run of the mill. It's something that when you step in here you really feel that you've stepped outside your ordinary life."
Harding has been a martial arts teacher for three decades, much of it as a full-time instructor for swords, daggers, spears, and empty hand fighting. According to the St. Louis School of Arms website, Harding has spent 30,000 hours studying combative arts.
"Our source material comes out of 16th century Italian manuscripts, translated into English," said Harding. "The people who wrote these manuscripts used these techniques for actual combat."
The cost for the St. Louis School of Arms classes is $70 a month, with unlimited attendance. The first lesson is free and loaner equipment is available for beginners. Harding said he is currently working with 20 students, including an auto body shop retiree, a husband and wife, and a Shakespearean actor.
62-year old Jerry Hanft of Freeburg, IL said few people know he's been studying swordplay for more than seven years.
"I don't tell too many people. Maybe they'll find out," said Hanft. "It's challenging physically and mentally. I mean, you really have to think about what you're doing, and it is a physical workout. But it's fun and I'd rather be swinging a sword than a golf club."
Since movies are the swordplay frame of reference for most of us, it seemed to be a logical question about how often motion picture sword fights get it right in movies like "The Adventures of Robin Hood," "The Legend of Zorro," even the light saber scenes in the "Star Wars" franchise.
"Not a thing like what we do here," said student Michael Pierce, referring to movie sword fights. "But as an actor I love it because it tells a really fun story."
Pierce's story is that he performs with St. Louis Shakespeare. He wants to use his sword training to become a combat choreographer for onstage fight scenes.
"Which is obviously way different than this (sword class) because you don't want to hurt someone, but I definitely take a lot of inspiration from the work I do here," said Pierce.
Husband and wife Clark Asher and Elizabeth Kroes-Asher from South St. Louis are among the newest students.
"I took some fencing in college," said Elizabeth Kroes-Asher. "Which is kind of similar but not really."
Clark Asher said the classes appeal to him because of the variety.
"Because it's not just swords. As we do a two-handed sword, we also do daggers and grappling pugilism. So, it's something new, but sort of the basics carry over on each one, how you stand, how you move, that sort of thing," said Clark Asher.
The stance of these sword students is, if you're tired of the same old thing, pick up a sword.
"I get fulfillment out of it, like to further my own career, but I also love this for its own sake," said Pierce. "It's fulfilling in that regard too. It's a fun time."


text:
The 16th annual Lux Style Awards,held in collaborationwith GEO TV, unravel as the single biggest gathering of talent from across multiple industries and while the show must always go on, it may want tRead More »
Tag Archives: Lux Style Awards
Lux girls through the years
The 16th Lux Style Awards brought 5 Lux girls together under one roof. Instep wonders who the perfect Lux girl is amongst themRead More »
May the best brand win!
Following in Instep tradition, here is a break down of the Lux Style Awards fashion nominations for 2016 and our prediction of the winners!Read More »
A sky full of stars
In its 15th edition, the Lux Style Awards acknowledge and recognize the stars of tomorrow and pay a rich tribute to the late Amjad SabriRead More »
Wrapping up the LSAs, a night full of surprises
While most awards of the evening were comfortably predictable, several high profile upsets rocked the boat and ruffled many feathersRead More »
Deconstructing the LSA nominations
Some pleasant surprises and some skeptical oversights, was it all hunky dory at the LSA Nominee Reveal this year? Instep takes a look...Read More »
Back to the Future
Lux Style Awards stage a stunning return and deliver a night worth remembering for years to comeRead More »
Style Awards, but low on style
The LSAs 2015 was a night to remember but the fashion and style quotient left a bit to be desiredRead More »
LSA Snubs
We can't get over these glaring omissions from the Lux Style Awards' list of nominations recognizing excellence in 2014Read More »
Singing it all away
Instep takes a close look at the Lux Style Awards music nominations for achievement in the year 2014 and the artists who made us think, sing, dance, hum and dream away.Read More »

subset: commoncrawl


text:
HU2 doesn't improve much on the lack of details regarding the construction of exoskeletons (Robot Type 3) that has been lacking in the Palladium system. The book implies that one follows the rules for building a normal robot, purchasing PS and Speed attributes by the values given for normal humanoid robots. The physical systems involved are far too different from each other to make this ready of a comparison. Rather than relying on endoskeletal designs, one has to build exoskeletal designs. Buying a humanoid body (HU2 pg 200) hardly seems useful, except as a manequin. I believe separate items should be designed, and a new section called "Exoskeleton Construction" should be developed. I'll try to lay a framework that matches the spirit of the Robotics section.
Much of this work could be applied to building a Type 1 Robot. I'll leave those additions for another day, since I never wanted one of those as a player character.
The frame has to be custom fit to the intended user, requiring extensive computerized body modeling (3-7 full days of work by several trained technicians).
The basic choice to be made is the body type and size. As for type, current choices seem limited to humanoid bipedal, but possibilities for equine/centaur, serpent/gorgon, ape/hominid, and even reptilian/dragon types could exist. In the relatively low tech world of HU, the humanoid type is the only readily available option. The basic frame is essentially a set of external rods and hinges, adjusted to fit the character. A reinforced body frame is required for any model featuring enhanced strength and/or speed.
Assuming the character is of normal humanoid dimensions (~6' tall), without extra appendages:
At this point, the character is wearing a metal and plastic frame over their clothes (typically some type of bodysuit, for ideal fit). This is not meant to be used as body armor, and does not enhance attributes. It does provide support to a character's joints, allowing them to safely lift maximum weight for their PS. This may be useful for characters with injuries preventing them from movement and exercise.
The exoskeleton can be fitted with a system of external robotic "muscles". Two alternatives are available: the character can either replace his attributes with those of the robot (robotic armor) or enhance his own physical attributes (power armor). Operating robots with these two systems is different, requiring separate robotic piloting and combat skills. Note that the use of either of these systems will require the installation of a pilot interface (below).
Pilot Attribute Replacement (Robot Armor)
This option offers a replacement of the character's physical attributes. The character, when performing a physical action, is not using his biological muscles groups for more than superficial exertions. The character will eventually fatigue, but at one twentieth the normal rate. The base system allows the character to walk, run, lift objects, essentially to perform the full range of motions. This base system adds 150 lbs to the robot's weight.
Cost of basic attribute replacement system: $450,000
Attributes of base system are PS: 10; PP: 10; Speed: 20; Upgrade of the system is customized as follows; costs are determined by my Robotic Attribute Rules.
Pilot Attribute Enhancement (Power Armor)
This option provides lightweight, reasonably form-fitting motive systems enhancing the character's natural attributes. This means that the character, when performing a physical action, is actually using his biological muscle groups as well as the robotic systems. The character will fatigue, but at one third the normal rate because the exoskeleton performs a large share of the work. The base system will provide enough strength to carry the exoskeleton, allowing the pilot to perform a full range of motions with no penalties and adding 50 lbs to the robot's weight. Attribute enhancement is inherently more delicate work, and improvements cost a bit more than those of attribute replacement.
Cost of basic attribute enhancement system: $350,000
Upgrade of the system is customized as follows (reinforced frame is required); costs are determined by my Robotic Attribute Rules:
Notes and Options for Either System:
Weight due to increased attributes is added to the robot by eight lbs for each addtional PS point, five lbs for each additional PP point, and 1 lb per additional Speed point. Increasing the robot's attributes will make the robot less streamlined around the pilot's body. This presents no combat penalties.
See New Hydraulic Leaping and Lifting systems
Locking Joints
Joints can be equipped with high tensile metal mechanisms, allowing a robot to lock that joint in place. Moving the limb will require a PS capable of overpowering the robot's PS by at least 20 PS attribute points. If a joint is overpowered it causes damage to the mechanism. It is bent out of place, causing the joint to stiffen. The robot will be incapable of easily moving that joint until it is fixed. Combat penalties should be assessed on a situational basis by the GM.
Cost required for locking joints:
Single Joint: $5,000
Hand: $14,000
Arm and hand: $35,000
Leg: $28,000
Full body (incl waist, neck): $150,000
The following systems available in HU2 (pg 203) are appropriate for installation in a Type 3 robot:
Keep in mind that these system will add visible external bulk to the robot, since there is much less room for concealment than in a Type 2 robot.
The Audio, Optics, and Sensors available in HU2 (pgs 205-206) are all appropriate for installation in a Type 3 robot, except for the Maxi-Radar.
The Eye and Humanoid Robot Weapons available in HU2 (206-208) are all appropriate for installation in a Type 3 robot, including weapon arms. Concealed weapons are possible, but will increase the size of the area used to hide, since there is no "interior". Some Giant sized weapons (HU2 pg 208-209) may be appropriate (GM's discretion).
A computer will be needed to interface with and coordinate requirements for the onboard systems. The computer's operation is entirely independent of the pilot's direct control when properly operating. The computer can be programmed to relay information to the pilot, as well as interact with the pilot. Either of these capabilities will require appropriate pilot interfaces. In the high tech world of HU raw computing power is cheap, but programming and cofiguring the system is a challenge.
Cost of onboard computer with appropriate control cards and software: $65,000
Eventually the exoskeleton will have onboard features for the pilot to exert control over. Information will be relayed to and from the subsystems through one or more pilot interfaces.
Multi-Purpose Interface Systems
Some interface systems can be used to interact with some or all of the robot's subsystems.
The cybernetic implant prices below are listed for reference. Costs can be applied to the purchase of cybernetic replacement systems (if desired), as they are simply an intermediate step in that process. Corporate-sponsored pilots may recieve these implants, as well as the Hardwired body motion implants, as a type of employee benefit (which minimizes robot construction cost and makes the pilot more flexible).
Body Motion
For the pilot's body motion to be tranferred to external motive sources ("muscles") there must be either a preset list of programmed movements or continual feedback from the pilot's body. Preprogrammed movements (like "walk" and "grab") are probably not ideal for combat situations; pilot is -6 on initiative, strike, parry, dodge; rolling with and pulling punches is not possible. Advanced robotic pilot training (additonal pilot skill selection) can reduce these penalties by half. Using continual feedback means the robot will detect a pilot's intention to move a particular limb and take action to engage or assist that motion. Both of these options require an onboard computer component to process the incoming data.
Sensor Systems Output
The pilot will want to protect his bodily sensor systems, as well as recieve output from his enhanced robotic systems. Starting with vision, the pilot will (hopefully) opt for some eye protection. From this bargain option, one can upgrade to various onboard display systems.
Unless the character leaves open hole in the faceplate, Type 3 Robots require the
purchase of a Life Support Unit (HU2 pg 210). The system allows the character to filter
atmospheric air, using it to breathe. It also includes an independent oxygen supply, which
can be used in lieu of external air for up to four hours.
Cost of Life Support Unit: $100,000
The following systems are also appropriate for use with Type 3 Robots:
It should be pointed out that robotic materials are rarely magnetic. Magnetic shielding
to protect the robotic circuits from EM interference and attack can be installed.
Cost of Type 3 Robot Magnetic Shielding: $25,000
The power supply systems in HU2 (pg 202) are woefully undetailed and non-specific. I suggest using alternative rules; I have developed a set of rules that govern power consumption and supplies, including the addition of battery power (by far the most logical alternative for Type 3 Robots).
The robot should first be equipped with light permanent armor to protect it's inner
workings. This addition turns the robot into a full exoskeleton. The permanent armor has
100 SDC, and is custom designed for each model to protect the particular systems and
Basic permanent armor system: $135,000
Adds 115 lbs to weight of robot
Final, basic exoskeleton has attributes: Natural AR: 6 (full body); SDC: 225
When designing the above basic exoskeletal armor one can install attachments for use
with additional armor components. These components are easily removable and replaceable by
a trained technician (or a character with an appropriate skill selection, like "Basic
Robotic Mechanics"). This will protect the robot from interior system damage. Type 3
robots can have a maximum of 500 additional SDC. Extra removable armor (spare parts) can
be purchased with startup money, if desired.
Armor attachment system: $50,000
Cost of additional removable armor: $10,000 per 10 SDC
Stylizing the armor is possible. A graphic designer interacts with the
armor's manufacturer. Possible effects can increase the armor's visual appeal or
intimidation factor. A maximum effective PB of 16 is possible, as well as a maximum
optional HF of 12.
Stylized structure of armor: $15,000
Stylized color of armor: $1,000
Specialized coatings and treatments can be applied to the armor, giving it special properties. The most effective is to increase the armor's Natural Armor Rating, which is initially at 6. Rolls to strike below this AR will usually do no damage to the armor's SDC. This AR can be increased to a maximum of 15.
Other treatments can prevent damage caused by intense heat, lasers, and electricity. Note that the advanced alloys used in robotic construction are largely immune to cold damage (but not necesarily damage due to ice attacks). The treatment does not have to effect the entire SDC; if a partial amount is treated, the effect will last until that SDC is lost. Only one treatment can be used on a given section of armor. It is entirely possible to put one type of treatment on the body at large, and a different type on a specific area. Specifically, one can create forearms designed to parry a certain type of attack.
To assist in making the robot immune to electrical attacks, the character can install a
type of lightning rod. Part of the armor (which is hopefully given electical immunity) can
be charged, in order to attract electrical attacks. The attacks strikes that section of
armor, doing no damage. The system should not be left on continually, as it interferes
with other components. Use a normal parry roll, with a +3 bonus, to attract any electrical
attack striking within ten feet of the character.
Cost of "Lightning Rod": $15,000
Physical damage done to armor by strength category (normal bullets are considered extraordinary) is as follows:
|Strength Category
|Roll under AR
|Roll over AR
|No damage
|No damage
|1 / 4 damage
|1 / 2 damage
|1 / 3 damage
|2 / 3 damage
|1 / 2 damage
|Full damage


text:
Military Divorce Attorney Serving Denton, The Colony, Carrollton, Lewisville, and Flower Mound
Life in the military is not easy. Between the relocations, time spent apart, and the heavy stress military service places on all members of the family on a day-to-day basis, it is no wonder that even strong and loving spouses often find it necessary to go their separate ways.
At Helene Parker & Associates, L.L.C., we are privileged to represent military service men and women and their spouses. If you are going through a military divorce in Texas, you can rely on our Lewisville military divorce attorney's years of experience in all types of Texas family law matters to make sure that all aspects of your divorce are handled properly.
Military Divorce in Texas
When going through a military divorce in Texas, it is important to have a knowledgeable and committed divorce attorney on your side. Even when the spouses believe they are on the same page and wish to settle their divorce amicably, there are often a number of important, specific legal issues that will go overlooked if they do not have the representation of an experienced Lewisville military divorce attorney. When you work with us, you can rest assured that we will not let you move forward until you have had the opportunity to consider all of the issues and implications involved in your divorce.
Military divorces involve many of the same issues as civilian divorces. These include:
- Division of assets and debts
- Child custody
- Visitation
- Child Support and Medical Support
However, military divorces also require careful consideration of military retirement and other issues. For example, in military divorces, disagreements often arise with respect to establishing rights to military health care benefits, military survivor benefits, and the assets of military retirement plans. Our Lewisville military divorce attorney is experienced in representing military clients in obtaining domestic relations orders (DRO) for military retirement plans and other military benefits. In a military divorce, a DRO is a standard component of the parties' property division, and it is necessary for your military benefits administrator to separate and transfer title of joint military retirement assets and related benefits.
Texas Military Divorce Lawyer for Service Members Stationed Overseas
If one or both spouses are stationed overseas, the military divorce process becomes a bit more challenging. At Helene Parker & Associates, L.L.C., we have represented clients stationed in Iraq, Korea, Afghanistan, Japan, and throughout Europe. We will work with you to handle your military divorce in an efficient manner, on your schedule. We will do everything possible to minimize the amount of time you have to spend in Denton County, Texas, to deal with your military divorce. In some cases, we may be able to resolve your divorce without you having to appear in court.
Free Consultation with a Lewisville Military Divorce Lawyer
To schedule a free consultation with a Lewisville military divorce lawyer at Helene Parker & Associates, L.L.C., please contact us today. We serve clients whose permanent residences are located in Denton County, such as The Colony, Carrollton, Denton, Lewisville, Flower Mound, and surrounding areas.


text:
Moments of greatness are usually preceded by hours of preparation and work and failure and getting up again; that last part isn't a given.
America is at her best when she stands up for others who share her roots because America the beautiful idea is in every person. Shelves in libraries, domiciles and outposts around the globe are stacked with stories about the human spirit's desire to taste freedom, and endure it. Bear it. Honor it. Clutch it and palpably realize it every day.
Countless have sacrificed everything because they believed they were kindling resistance to whatever opposes the inherent right to live freely.
The roots of freedom do not grow out of weaponry or eloquence but from the grainy soil of resilience.


text:
Please Note: Toyota did something a little confusing when they made the Tacoma models. They made two different 2WD versions of the Tacoma. One is basically a 4WD Tacoma that is missing its transfer case and front drive components. Toyota calls these trucks PreRunner's. These trucks have 6 lug nuts that hold the wheels on. They also made a lighter duty 2WD truck that has 5 lug nuts per wheel. This version of the Tacoma has a different chassis and suspension system, most of the parts from the 6 lug truck do not fit the 5 lug trucks. The parts on this site are for the 6 lug version of the Tacoma.
The Tacoma was introduced in the US in February 1995 (March 1995 market launch) as a replacement for the Hilux, which prior to this was marketed in the US under the name Toyota Pickup. Compared with the Hilux, the Tacoma is engineered with a greater priority on ride quality, handling, comfort, and safety over ruggedness and payload capacity. The design is intended to better suit the needs of the US and Canadian pickup truck market, where pickup trucks, particularly compact and mid-sized models, are often used as personal vehicles, and less exclusively for commercial, agricultural, and off road use. The name was derived from the Coast Salish peoples' name for Mt. Rainier in Washington state.
There were a total of three engines available for the Toyota Tacoma:
Two-wheel drive Tacomas had 5-stud wheel lug patterns. The 2.4 L and 3.4 L engines were available in this vehicle depending on options. Automatic and manual transmissions were available.
Four-wheel drive Tacomas (also 2WD crew cabs 2000–present) had six-stud wheel lug patterns, which had been used on the prior pickups (pre-Tacoma trucks). The truck's frame is fully boxed until immediately after the front leaf spring mount bracket where it transitions into a c-frame section. The 3.4 V6's manual transmission was an R150F while the automatic transmission was an A340F (Aisin code is 30-40LE).
From 95-97 Single cab Tacomas had the option of a manual transmission with the 3.4 V6 engine. The aftermarket TRD supercharged 3.4L V6 produced 254 bhp (189 kW) and 270 lb·ft (366 N·m).[6] From 1997 on, the single cabs only got a 2.7 L or a 2.4 L 4-cylinder from the factory. TRD packages started in 1997 (if the V6 engine was selected, a differential locker in the rear came with it).


text:
The Golden Guardian was the second body cloned from the original Golden Age shield-bearer, the Guardian. Unlike the original Guardian, the Golden Guardian is fully armored. He joins the Justice League when Superman comes out of retirement. He travels with the rest of the team to the Gulag to contain the prisoner revolt. Captain Marvel arrives and blasts the Gulag, freeing all the prisoners, who then attack the surrounding Justice League members. He was killed in the U.N. nuclear bombing at the Gulag.
- 3 Appearances of James Harper (Earth-22)
- 3 Images featuring James Harper (Earth-22)
- Quotations by or about James Harper (Earth-22)
- Character Gallery: James Harper (Earth-22)
Community content is available under CC-BY-SA unless otherwise noted.


text:
SoulPath Art: my personal inner journey
I love that SoulPath Art is fluid. SoulPath drawings will change as you work on yourself. I was told very early on that I DO NOT draw "Soul Portraits," which are fixed representations. You have the power (and your Inner Self has the desire) to grow.
As you work aligned with your Soul Path, your Inner Self grows, your energetic vibration changes, and I tap into your shifted energy when I draw. To show you how this process goes, I'll use myself as an example.
I'll give you a quick summary of the interpretation from my guides. My life path is about working intimately with others, and guiding them to grow (all the different shapes and intersections). I have had lots of assistance and a direct connection from the other side-all the bright yellow. (At that point in time, I didn't understand how present they were with me). And that I was starting to move upwards on my path (the orange triangles), and could continue this upward movement through the future if I stayed on my current trajectory. (The triangles move off into the distance).
The area they wanted me to work was the bottom right. The slug-like shape showing a density and stagnant/stuck energy around my first chakra. (Note: the meanings of colors are not universal. Colors represent different things for different people). I needed to address my issues of (in)security and make changes in my familial role.
Five months later, in April, I did another one for me:
After 5 months of working very hard on my 1st chakra issues, we see progress. There are still similar intersecting shapes with upward sweeps but much less density. The symbols in the drawing are more universal and easier to relate to, because the Inner Self (which is part of the bigger Source) is taking charge.
Interpretation: I was to focus more on opening and expanding my heart. My default is to follow my head. I was being shown my heart is open, but to a limited extent. The heart is very small, and the green bridge only goes so far. I was being shown that there is far more energy and possibility in that area of my body/Self. And that if I open up and work on it, a powerful energy will be available. The cobra to me signals regeneration....my heart had been worn down by too much head-talk and too much relationship disappointment. When the cobra (the Kundalini) can rise through an expanded heart, the divine energy (orange and gold) becomes closer and more intimate.
A few months after that, I started seeing a lot of gold energy in my meditations.
If you're curious about your SoulPath, please commission one! They are beautiful personalized tools that can complement any healing modality.


text:
The court did not confirm suit of PKF and respectively previous verdict on its avoidance remains valid. Company director and 6 creditors, among them was not secured creditor TBC Bank, required removal of PKF from the rehabilitation management. The management informs that rehabilitation will be provided in accordance to the plan …Read More »
Monthly Archives: June 2014
A.T. Kearney's company puiblished the Global Retail Development Index™ (GRDI). The company notes that global retailers have become more strategic in their expansion and in avoiding the operational pitfalls of entries into developing markets. Using e-commerce, they are pressure-testing demand in new markets to reduce risk, and they are taking …Read More »
Textile Manufacturing Increased in Georgia due to World Cup
Ajara Textile has increased production due to the Football World Cup. Financial Director of the factory explains that Puma, one of a major partners, ordered 500 thousand pieces of sports uniform per one month for the football championship. Gia Lominadze notes that a Memorandum was signed with the most famous brand Nike, but Adjara Textile is expected to …Read More »
Businessman Levan Vasadze Against "Excessive Door -opening"
As you know, the Constitutional Court invalidated the Moratorium on land sales to foreign nationals. How legitimate was the decision? Under current law, the Constitutional Court had the right to take such a decision. Moratorium itself was more like trying to patch holes in the ship, which had sprung a …Read More »
The Association Agreement Signed
Georgia has signed the Association deal with the EU. The 1,135 page document has been signed by Georgia's PM Irakli Gharibashvili, President of the EU Commission Jose Manuel Barroso and President of the EU Council Herman Van Rompuy. The Association Agreement between the EU and Georgia will be signed by each …Read More »
What happens after Georgia Signs the Association Agreement with Europe?
What is the significance of the Association Agreement and what benefits will it bring to Georgia? The prospect of concluding a Deep and Comprehensive Free Trade Agreement (DCFTA) between Georgia and the EU gave fresh impetus to the process of enacting reforms in trade-related spheres. The DCFTA will be one of the …Read More »
Director of Georgian National Tourism Agency Acquainted Ukrainian "Forbes" with Advantages of Georgian Tourism
Number of Ukrainian tourists visited Georgia in January-May 2014 increased by 27% compared with the same period in 2013 and amounted to 48.8 thousand people. Director of Georgian National Tourism Administration George Sigua assures that "Ukrainians in Georgia will feel like home" in his interview with the Ukrainian "Forbes". He adds that in the …Read More »
Georgia to Sign Association Agreement with EU Today
Georgia will sign the Association Agreement with the EU today. Georgian Prime Minister Irakli Garibashvili, President of the Commission of Europe Jose Manuel Barroso and President of the EU Council Herman Van Rompuy will sign the Agreement. The signing ceremony will be held in Brussels at 9 AM local time, 11 …Read More »
Winemaking Waste could Become Fuel Starter in Georgia
In Georgia, winemaking waste could serve as a good starting point for environmentally friendly fuel production. Swedish company "Scania", one of the world's leading manufacturers of heavy trucks and buses, isdeveloping a new direction of business, whichincludes environmentally clean fuel production. According to the Ministry of Economy, "Scania" plans to open a sales and service center in Georgia in the near future. …Read More »
Rules Determining Amount of Bonuses and Salary Increases to be Adopted in the Near Future
Rules determining the amount of bonuses toemployees of state structures will be adopted in the near future – said Deputy Head of Administration of the Government of Georgia Nino Kobakhidze andHead of the Public Service Bureau of GeorgiaYekaterina Kardava. According to her, the government has already approved a document on bonuses, and it is a …Read More »
Businessman Gogi Topadze Launches Cooking Oil, Milk and Soap Business
Kazbegi company has started working on the business plan of cooking oil, soap and milk processing enterprises within the preferential agro-credit project. The MP and a founder of the company Gogi Topadze told commersant.ge. According to him, it will be a complex which is planned to be constructed in Kakheti region. …Read More »
What Harm did Moratorium on the Purchase of Agricultural Land by Foreign Nationals Inflict on Georgian Economy?
According to the non-governmental organization "Transparency International", the Constitutional Court of Georgia considered unconstitutional the Parliament's decision to ban the sale of agricultural land. Basis for the judgment was NGO's lawsuit over Parliament's decision that violates the rights of individuals and thefreedom of entrepreneurial activity. "The court decided that the suspension of the right to alienatethe land, even temporarily (the moratorium was in effect until the beginning of 2015), does not correspond to the Constitution of Georgia and …Read More »


text:
Decades of experience give us valuable perspectives and enable us to provide critical insights into the challenges and trends facing the biopharmaceutical industry.
This webinar focuses on defining the Tail Products Challenge and assessing possible solutions.
• Identifying Obvious and Non-Obvious Sources of Data
• Assessing and Sharing Data Across Internal/External Silos
• Interpreting Data and Drawing Meaningful Insights from Analysis
• Applying Data Insights, Modifying Investments and Measuring Performance
The attached White Paper provides extensive detail and commentary around some of the key activities that impact a company's Gross-to-Net management.


text:
"The company was very punctual and professional in the installation process."
"The timing was great. They did the job very efficiently."
"I was most satisfied with everything. This one was the icing on the cake. It was done perfectly."
"We have used Vito Services mainly for Heat & AC. They have always given us excellent service."
"They provide great service, reasonable price, and they're very careful. They made sure it was perfect, so I thought they were fantastic in terms of what they did. They do excellent work and I would highly recommend them."
"I was most satisfied because I felt like I was getting straight answers to straight questions. They took the time to come out multiple times to answer follow up questions. I had never done an HVAC install before and they were very patient with me because I had a lot of questions. I learned a lot. They were very patient and very competitive with their pricing. Their customer care was great also and that was one of the main reasons why I went them. I had been with John Flood for 9 years, but I switched to go with them."
No review comments provided
"Punctual, professional"
No review comments provided
"I think the installation of the hot water heater went well."
"I am most satisfied with the workmanship. They were always on time and professional."
No review comments provided
No review comments provided
"Everything exceeded expectations."
No review comments provided
"The company was very punctual and professional in the installation process."
No review comments provided
"I was most satisfied with the professionalism."
No review comments provided
"I was most satisfied with them putting away the untidy items."
"I am most satisfied with the tub. The installation was good and it was a positive experience overall."
"We were most satisfied with the timeliness with which our project was completed."
"The timing was great. They did the job very efficiently."
No review comments provided
"I am most satisfied with Vito Services that they were fast and efficient. They even took care of things that fell apart on my end that feel apart, when they did not have to."
"I am most satisfied with them coming out in a timely fashion and doing the job correctly."
No review comments provided
No review comments provided
No review comments provided
No review comments provided
"I was most satisfied with their professionalism and quality."
"The work is done really well."
"I was most satisfied with the price, value, and performance."
No review comments provided
"I was most satisfied with the workmanship."
"I was most satisfied with their communication."
"I was most satisfied with everything. This one was the icing on the cake. It was done perfectly."
"I was most satisfied with the quality and knowledge of the technicians work."
"I was most satisfied with their response time, it was done efficiently, and they were nice people."
"We have used Vito Services mainly for Heat & AC. They have always given us excellent service."
No review comments provided
"Customer Service was excellent"
No review comments provided
"The re-tiling of the shower was well done."
"Honesty and professionalism"
"Response time to issues."
"Timeliness and qualifications of Vito personal."
No review comments provided
No review comments provided
"They ended up coming same day and fixed the issue and corrected another issue"
No review comments provided
"I know they are metro area, but they have their shop basically a half mile from my house. The estimator joked that he could jog over here."
"I was most satisfied with their punctuality."
No review comments provided
"The workers were great timely and courteous"
"They've done several things. I can't think of the last thing they did. They're friendly and they clean up well after things. I'd give them an A."
"They were fine. They did a bathroom—new bathroom. They did it on time, neat job. I was working through a general contractor, so I didn't work with them that much. I'd give them a B."
"They re-plumbed my house, and they were professional. They did a good job. I'd give them a B."
"There were several calls that they've made—some were good, some were not so good, so it's kind of a mixed bag. They repaired some faucets. They repaired some ceiling leaks from pipes. Major work and minor work. They did the work fast, and I didn't have so much problems cleaning up, so that was a positive side. On the negative side, the minor part was they just weren't' careful enough; and I have the same problem that I had when they left, so kind of a mixed bag. I would say it's about a B. Their expertise was there."
"They changed the pipes that were under the ceiling, the tubs, the bathroom upstairs that were leaking ,and also the bathtub was getting full of water and everything else. The supervisor was very, very good—explained everything in terms that you could understand and very responsible and also very down to earth about prices. Didn't try to con us. This is so much and that was it. Some other people that we had added this and that. Very truthful, very honest, very gentleman—everything was very good, and the people who came and did it were young men, also very, very good. Excellent, excellent, excellent—A."
"I was having a toilet put in by our maintenance guys and they needed to—think there was a ring in the bottom—replace in the floor. I'm not sure what it's called, but they had to replace it. Our maintenance guys couldn't do it. I liked the fact that they were able to come that same day to do the work. I remember it was pretty expensive, though, and getting the same-day service is probably what the situation was. Otherwise, that was pretty much it. For quality and customer service, I'd give them an A."
"It's all awesome. It's all great. Can you just write everything good? They've done several different things, even changed our air conditioner. They've fixed toilets, changed our A/C unit. They've done a bunch of stuff, and it's always great. They are very responsive. They know what they're doing, and everyone's very friendly and professional. It's an A+."
"They've always been great. One time we had a leak in our toilet that they fixed. And then another time we had like a clog in our garbage disposal. They show up on time, the people are nice, and I think their prices are pretty fair. We've had the same guy every time, and he's great. I'd give them an A."
"They did plumbing work for me. They were timely, and the workman was knowledgeable. A is fine."
"Vito only did a small job. We had a leak on the floor, and they came and they sorted it out and it was a pretty easy job. It was just trouble-free. There were no problems, very polite, and offered their services again and keep in touch. I'd give them certainly a B."
"I've used Vito way back last year. It was a bathroom toilet plumbing. First of all, I asked for rates over the phone, how much you charge for a visit, how much you charge for half an hour or each half an hour and so on and so forth. And they said, 'We cannot give you that information. The technician when he gets there, he will call you and tell you how much it's going to cost.' So, I thought it would be something reasonable. But he went there and all he had to do was to change what is inside the toilet, and he did and he said that before he did the job, he said, 'Look, it's going to be $450 something. And I didn't know what to do because I have tenants living there, and I needed to do that as soon as possible and maybe he knew that. So, he was charging me almost $450, and I didn't have any other way out, so I said go ahead. But I'm never going to call them back again. I don't think I would use them again because even the lady who answered the phone was not helpful at all when I asked her. I'd give them probably a D. I was not there. That's an apartment that I own that I rent to somebody else and I was out of town, so I had to deal over the phone and I'm pretty sure that they did their job, but it was outrageously expensive."
"Always right there and always very cooperative and get the job done. Give it a triple A. They're just easy to get ahold of, and they come when they say they're going to show up. I've had various things done. I've had repairs in the bathroom and in the kitchen at the sink and an assortment of things. They've also done some work on my heating units at one time. I can't remember exactly, but I know that I've always called them. They're my first source for help. I live in a condo. In general, they are very knowledgeable, and they're very polite and clean. I think that's important. I don't want someone coming in making a mess for me and leaving me with it. They always put down something on the floor to be sure, that if they're doing anything that could get messy, it won't be on my floor after they leave. And overall I just feel very comfortable with them, and I really would use them anytime I need help. I'd give them an A+. They're great. They're just great."
"Vito gave a yearly check and fixed one of my toilets. The man is very friendly. He's been here before and very thorough. Everybody's been very nice on the phone and very helpful. I would give them an A for excellent."
"They did outdoor plumbing work in the yard. Good customer service. They were very prompt in many inquiries. A+ across the board."
"They fixed the bathroom and the garbage disposal. They're pleasant, and they do the job. I'd give them an A."
"They did just a lot of repairs. It was plumbing work. They did a lot of different things and there's some things that they did that I called back and said, 'Oh, this isn't working quite right,' and they came back fixed all those things. Everything was working properly within the thirty days. I'd give them a B."
"They did plumbing for me. They replaced a spigot head on my backwater spigot and didn't have the part, so he improvised and then they had to come back out and do it again because it didn't hold up. And then it's just leaking and they came back out and they finally did it. So, they replaced two pipes in my basement. And two weeks after that, it was leaking again. And I spent a fortune with them. The guy didn't want to work with me at all, you know, all he wanted to do was charge me $400 to plumb my laundry room sink. There ain't no way I'm paying $400+ to snake my laundry room sink.. So, I had somebody else come out and it cost me $200. I won't call Vito back again. They're too way overpriced, and they won't negotiate. I just finished giving the guy $700, and then he wanted to turn around and charge me another $400 to plumb my laundry room sink. Give them an F. I paid $1,100 to replace two pipes and then it leaked again and filled up my laundry room, and they want to charge me $400 to snake my laundry room sink. The guy wouldn't even negotiate with me. I'll never call them again and I will never recommend them either."
"The guy came in, he did it, and he didn't have to come back. Everything went very well. I had a pipe that broke inside the kitchen, and the wall had to be removed—but they didn't have anything to do with that. They just came and they put the pipe in that was busted. I'll say A+ because I haven't had any problem. Everything has worked splendid. He said he was coming out, and he came out on time. He cleaned up behind himself."
"The only negative thing I have to say is that I asked for a receipt for the work that was done, and I never got a receipt. Louis works for you, right? The experience was good, but the thing about it was I need that receipt. No complaints with quality of work and expertise."
"They took care of the problem. I think it was a garbage disposal, but I'm not positive. It was on a rental property that I have. It's an A+."
"It was fine. They were professional and seemed to know what they were doing. They replaced my hot water heater. I would give them an A."
"It was a good experience. Vito came out on time, performed the work well, and everything went according to plan. They were just doing plumbing for me. I'd grade it A+."
"They did excellent work, and I had no complaints."
"Nothing special. I believe they replaced the water heater. I would say a B."
"Job supervision was good. They did plumbing work in a basement that I was finishing. I'd say it's a B. I'd say there was a slight issue. Cleanliness could have been a little better by some of the guys."
"They're good people. They did good work. I'm satisfied with their work. That's why I keep calling them back. Do a lot of plumbing for me, replacing things and pipe or install, fixing commodes. The pipe is broken inside a wall and you have to rip out the tile, so a lot of work. I would say a B+. My issue with the company is response time, which everybody has that issue. So, if that's the case, then you'll have to give them an A, but everybody has that issue."
"The guy was real friendly. He was real educational. He was talking me through the process of everything. So, I liked that I learned something. So that's good. They changed out two faucet heads for a washer. It was a hot and cold head. We had old ones and they were leaking, so he changed them all, put new fittings on. I'd say it was a B. It was only one cosmetic thing. Everything else was fine. There were no leaks; everything else was good. It was two different connectors, so to me it didn't really make a difference, but my mom saw it, she was like, 'It looks different,' but I'm okay. That's the only thing I could say."
"The last time he put a garbage disposal in. He came out and it was okay, but I did have a slight problem—we had it taken care of after that. I would say it's about a C. He did the work, but I just didn't like the follow-up."
"They provide great service, reasonable price, and they're very careful. They made sure it was perfect, so I thought they were fantastic in terms of what they did. They do excellent work and I would highly recommend them."
"I use them all the time. They're great. They're very efficient, quick. They identify the problem, they fix it, they make good recommendations. They did drainage work. I'd grade it A+. I just had them do something else."
"They were very professional, and they were accurate in what they did, so I had a good experience with them. They checked on a faucet for me. I had a faucet leak or something or suspected a leak. I would give them an A."
"It was an okay experience. I wouldn't necessarily go out of my way to hire them again. They did a fine job. There wasn't anything bad. They weren't great. They did plumbing for me. I 'd give them an A. Another plumbing company did work for me this year, and they were terrible."
"I forget what they did, but they're always good. I don't remember what they did, but they are our regular and they did a good job. They're very reliable. They come on time; they keep their appointments; they do nice work. I'm very satisfied. I'd grade them an A."
"They've done great work for us. They're very easy to schedule. They're always available. And then the other thing that is helpful is they are knowledgeable. When they come out, they assess the problem quickly and get it taken care of quickly. They did plumbing. I would give them an A+."
"I have nothing but good things to say about my friend. They came very quickly. We had bad work that was done, and I needed them to—I was trying to find someone to help me with it and they did everything perfectly. Put everything back in place, left the place clean and they were friendly and very kind. I would give them an A+ definitely. I was actually trying to use them again in a little bit when I get my money together."
"I needed them in an emergency. My kitchen sink was clogged for a few days and my husband couldn't clear it. So I just picked Vito out of a book, and the man who came was very pleasant. And he explained to me what he was doing and everything worked out very well. It was certainly an A. They were very nice when I called. The person might have been a woman, who said, 'Oh, we have a truck not far from where you live and we'll send him right out to you.'"
"It was fine. I had no complaints and I would recommend them."
"I had a positive experience. I liked that they came and did what they were supposed to do."
"They just did the job that they came out to do. I was pleased. They did plumbing and fixed my garbage disposal. I'd say it was an A."
"It was rea good. The service was good."
"I had a positive time with them."
"It was all good. It's been so long. I do know we're going to use them again. Basically, I believe they just did plumbing. It was an A. I would recommend them."
"They fixed it, but they were not cheap. I've just had a plumbing problem, would not use them again because they charged an awful lot of money, but they were good. They fixed it. I'd grade them a B. I would grade them A for the work and C for the money."
"It's okay. They're just a little bit too expensive and overcharged us for a lot of things. I'm actually a contractor. Used them quite a bit. They just did plumbing for me. I would grade it a D."
"It just wasn't I got it fixed. They kind of told me it was positive to begin with, but then they wanted me to get a whole brand new hot water heater, do different things. I got another plumber, and he put the thing in that we could put it in. I talked to another plumber and he said that's fine. So, I really saved a lot of money. They fixed the pilot for me, and then the next day it went out again. So, I called them up and I said, 'You sent somebody over here and they fixed it, but it's doing it again.' So, they sent another technician over, and that technician said, 'Oh well, man, you need to have a new hot water heater put in. I talked to another master plumber, and he said, 'How old is it?' And I told him, and he said, 'That's crazy, let me come over.' He took a look at it, got me the new lighter part, starter part, put it in for $200. I saved a couple of thousand. I'd give them a D. The quality of the work is good when they do it, if it's correct, but the expertise is—there's a lot of times you can fix something. Instead of buying a whole new house because my roof is bad, I'm not buying a new house, I get a new roof, you know what I'm saying? If there's something wrong with the part of the thing and the thing is basically good, why put the whole new water heater in. So, their work is good when the work is correct. Customer service is okay, it's fair."
"Vito has been here for different things. They've always been very responsive in getting here quickly and finishing the job as quickly as they can. They've done plumbing and drainage work for me. I would say it's an A+."
"It was fine. I won't use them again. I don't think they're very good. They're expensive, and some of their guys aren't very knowledgeable, and I thought their staff was awful at organizing. It was just plumbing. I would grade them a C. I would not recommend them at all."
"The technician was very clear in his explanation of what was happening. They were taking a look at a problem that we were having with a backflow valve in the basement that they had installed. I would say A+."
"I've used them before. Very good work. Very good work, I'm very pleased. They did plumbing. They worked on all three of my bathrooms. I'd give them an A+. They were very good. I've used them several times."
"I pay for a kind of a preferred status, become a partnership, a partner. Their response time was pretty good, because I have rental properties. So, in order to be able to call them and tell them what the issue is, they usually were able to address it pretty quickly or at least get someone there pretty quickly. A lot of times I was there for the work. It could have been either work on plumbing or HVAC unit, both. It would be an A."


text:
If you leave your computer on for a long time, it is usually a good idea to restart it from time to time. In addition, if you manage multiple computers, it is difficult to remember when everyone has received a reboot. That's why Windows keeps track of all your operating time and the last time your computer was started for you.
Here's how to access this information:
Using the Task Manager
The Task Manager is a useful tool that allows you to view all running and launched applications. Although the Task Manager is perfect for monitoring active processes, you can also use it to monitor system performance. With this function, you can monitor the use of your CPU, memory and disk in real time. You can also consult other relevant information such as the availability of your system. To check your availability with the Task Manager, do the following:
- Press Ctrl + Shift + Esc to start the Task Manager.
- Once the Task Manager is started, go to the Performance section. In the
- Performance tab, you will find all kinds of useful information about your CPU, as well as system availability.
Using PowerShell
Open a high PowerShell prompt, type the following, then press Enter :
(get-date) – (gcim Win32_OperatingSystem).LastBootUpTime
You can see the start times in days, hours, minutes, seconds and milliseconds.
Here, you use the Get-Date cmdlet to return the current date and time, then subtract the value of the LastBootUpTime property that comes from the Win32_OperatingSystem, called TechNet. GCIM is an alias for Get-CimInstance.
Use the control panel
Another simple way to determine the uptime of your system is to check the status of your network adapter using these steps:
- Open Start.
- Locate the Control Panel and click on the top result to open the experience.
- Click on Network and Internet.
- Click on Network and Share Center.
- In the left pane, click Change Adapter Settings.
- Double-click on the network adapter connected to the Internet.
Once the steps are completed, you can calculate the availability time of your computer from the duration information, which indicates the availability time of the network connection that is reset each time the device starts (Of course, these methods work as long as you have not reset your network connection since the last time the device started.)
Using the Systeminfo command
- Select "Start".
- Type "cmd", then press "Enter".
- Enter "systeminfo" and press "Enter".
- A line entitled "System Boot Time" appears.


text:
Minor or major repair
When it comes to repairs, you'll usually be responsible for minor repair jobs, unless they're caused by disrepair or damp.
In most cases, it's the landlord's responsibility to make major and structural repairs.
Tenants are usually obliged only to take reasonable care of the property, for example carrying out minor jobs such as gardening and general housework.
- Inform your landlord or letting agent of problems as soon as possible
- Use our how to claim against your landlord for disrepair guide
- If your landlord won't make repairs contact your local environmental health department
Damage to personal property
The landlord must also take reasonable precautions to prevent their property from causing personal injury or damaging personal property.
This obligation will also apply to the tenant, and anyone living with them and their visitors.
If the property you're living in is damp, or in a poor state of repair, you should first complain to your landlord or letting agent. You can use our how to claim against your landlord for disrepair guide.
Once your landlord is made aware that your house is in disrepair then they should take action to fix the problem as quickly as possible.
If your landlord doesn't fix the problem, you can contact your local council's environmental health department to inspect the house.
If the disrepair is serious enough, the council will serve the landlord with a legal notice to carry out repairs.
Gas safety
The safety of gas installations and appliances are the landlord's responsibility.
The landlord must arrange and pay for safety checks and any necessary work to be carried out on appliances at least once every twelve months.
The checks must be carried out by a person who is registered with the Gas Safe Register. You can ask your landlord for proof of this.
Electric appliances
Landlords also have responsibility for ensuring that any electrical appliances supplied with the accommodation are safe.
This includes heaters, cookers, kettles, and any other electrical goods.
If an electric appliance, like a washing machine, breaks down your landlord should repair or replace it within a reasonable period of time.


text:
This summer our concrete contractors completed this driveway project in Mission, BC. Not only does the new broomed concrete driveway look great and will last for years to come, it also features a trench drain across the bottom to help with drainage issues caused by the sloping driveway. The broom finish may look simple but it is a very durable, … [Read more...]
Mission BC Broomed Concrete Driveway with Trench Drain
Abbotsford Eagle Mountain Stamped Concrete Driveway
Between the downpours and frost we experienced last week our Abbotsford concrete contractors pushed through and were able to finish off this stamped concrete driveway up on Eagle Mountain. On Wednesday we poured the stamped concrete sidewalks and borders and covered with insulated tarps to help protect the concrete from the elements. We … [Read more...]
Broomed Concrete Driveway with a View
Given today's blustery weather we thought we'd share this stunning Abbotsford driveway project with a gorgeous view we were able to wrap up just a few weeks ago. Our concrete contracting crew had been working on the coloured exposed aggregate concrete borders on this long driveway over the last month and finally had the opportunity to pour the … [Read more...]
Steep Concrete Driveway in Abbotsford
There's no such thing as too big or too steep to our Abbotsford concrete contractors! Believe us, this Abbotsford driveway was both. Earlier this week our crew arrived on site towards the end of the day with just enough concrete left to pour this steep concrete driveway. The concrete will be left to cure for a day before saw cutting. A good … [Read more...]
Concrete Firepit Gazebo Resealing
At Captain Concrete we love repeat customers! We made this concrete firepit and gazebo for a customer in Abbotsford three to four years ago just in time to enjoy for a family wedding. They called us back last year to replace their driveway and we just recently came back to reseal the concrete. Customers often think that sealing concrete is just … [Read more...]
Exposed Aggregate Driveway Replacement in Abbotsford
See our concrete contractors in action as we replaced an old driveway in Abbotsford this week. From start to finish, we took care of the entire job! This new exposed aggregate concrete driveway is durable, resistant to extreme weather and will require little maintenance in the coming years. A great investment for the … [Read more...]
Sunken Driveway Repair in Abbotsford
Despite all the rain we received this week our concrete contractors managed to complete this much needed sunken concrete driveway repair for new homeowners. Shortly after moving in these homeowners decided to replace the old concrete driveway that had sunk in front of their garage. This was a smart decision as sunken concrete driveways pose … [Read more...]
Widening Concrete Driveway After Tree Removal
This summer we provided a very creative solution for one our clients. This is actually Part Two of the concrete driveway update for this homeowner. Our concrete contractors had previously poured the large exposed aggregate concrete portion of their driveway. Since then the homeowners decided to remove a tree at the front left side of the … [Read more...]


text:
The Happening celebrates local artists, designers, musicians and businesses in Wellington West from Somerset Bridge to Island Park. All funds raised from the festival are returned to the community through art grants. Plan to join us May 25-June 2, 2018 for a week of jam-packed days of creative events at local businesses. Then bring your family and friends to Parkdale Park, the new home of our Park Party as we have collaborated with ArtsPark! Saturday, June 2nd, 2018 from 10 am to 10 pm. Enjoy the usual awesome ArtsPark programming but this year WITH CRAFT BEER & SPIRITS & then The Happening takes over the programming at 4 pm for the evening! Live music, makers market, Happening art throwdown, interactive art & crafts, children's activities, and of course delicious local snacks.
Learn more about the events, and how to get involved as a sponsor or volunteer go to thehappeningottawa.ca Follow us on social media to keep up to date on what's HAPPENING & watch for the full listings early spring.


text:
Email to a Friend
Availability: In stock
15% off
Be the first to review this product
The Legend ContinuesEmbracing both tradition and evolution — the iconic Cross profile takes a broader point of view
Created with a keen appreciation for modernist design and lasting value, Century II offers a bolder look and wider girth than the original Classic Century. Saturated with color or finessed with fine metal, it's everything we're famous for, only 'bigger'.
-Lifetime mechanical guarantee-Premium Gift Box
+ Enlarge
Use spaces to separate tags. Use single quotes (') for phrases.
© Dalys1895 LLC, 2019


text:
ICYE Costa Rica / ACI < Back to map Asociacion Cultural de Intercambio de Costa Rica (ACI-CR) – ICYE Costa Rica was founded in 1967. The office is located in… read more →
ICYE Colombia < Back to map ICYE-Colombia is a non-for-profit association founded in 1981 and was accepted as a member of the ICYE Federation in 1982. The Colombian committee is… read more →
ICYE Brazil / Associação Basileira de Intercambio Cultural (ABIC) < Back to map ICYE Brazil was founded in 1987 with it's main office based in Porto Alegre. The program is… read more →
ICYE Bolivia/ Intercambio Cultural International de Jovenes (ICIJ Bolivia) < Back to map ICYE Bolivia was founded in 1964 and is a non profit, non-governmental organization, formed under the guidance… read more →
Subir al Sur, < Back to map Subir al Sur founded in 2006, is an Argentinian NGO, promoting peace and intercultural education through voluntary service. Subir al Sur organises work… read more →


text:
Eliminating Organizational Waste To Increase Profits
Last week, Small Business Administration made a small effort to loosen up its lending restrictions for its SBA 504 loan program and allow business owners to refinance their existing debt and improve their cash flow. Being from the top management of the company, the average salary is recorded to be somewhere around USD 88,000 per year. At the same time, the workhorse 7(a) loan program, which is usually for loans in the hundreds of thousands of dollars, was likewise increased to 90%.
According to the Small Business Administration (SBA), 40% to 60% of small businesses fail following a major disaster. And remember there are lenders now making such a loans even in this economy. The demand of data mining and data management is certainly going to increase in the future, increasing job opportunities in this IT field.
When lenders see a good credit record your chances of getting a loan …


text:
Two boats came to the rescue of three stricken boaties thrown into Manukau Harbour when their vessel capsized this morning.
The drama unfolded around 10am when a 5.5m vessel overturned in the water 2km off Clarks Beach.
Northern Region Coastguard duty officer Melissa Ousey said two other vessels saw the incident and rushed to the aid of those in the water.
"Three people were in the water for a short time," Ms Ousey said.
"They were then picked up by two other vessels who saw it capsize."
Coastguard monitored the incident over the radio but because of the prompt action of those on the water it did not need to respond, she said.
One of the boats towed the capsized vessel back to Clarks Beach following the incident.
She said the capsizing happened well short of the notorious Manukau Bar, which was not posing problems for boaties today.


text:
True or False?
- Jim Ellis uses a Customer Retention Management tool to capture and follow our sales prospects. Failure to comply with Jim Ellis CRM Policies and Procedures is not an option, and can result in termination.
In which cases is an IRS Form 8300 or a meeting with the General Manager appropriate?
- Client comes in and pays $5,700 cash for a used vehicle.
- Client comes in and pays $7,150 down to hold a vehicle, a few days later comes in and pays $3,000 to complete the sale.
- Client comes in with $9,900 cash for a used vehicle, you notice the top few bills were obviously rolled up and have a white powder residue.
- Client asks what the lowest price we can do without filing with the IRS?
- Client has a down payment of $6,000 and finances another $18,000 to purchase a truck.
- Client agrees to a sale price of $57,000. The next day he shows up with to grocery bag full of $1s and $5s.
- Client comes in with with $6,500 cash from a shoe-box that smells very suspiciously like marijuana.
- Client comes in and trades in his BMW for $18,000, and finances the rest of the new car.
- Client comes in and sells his used Porsche for $25,999. Comes back inthe morning with $25,999 in cash and uses that money for a down payment on a new Maserati.
You have just started your Demonstration Drive with a customer, driven off the lot and pulled over with the air conditioning running so the car stays cool and let the customer into the driver's seat. Which actions are appropriate?
- Get out and politely open the door for the customer to exit and walk around to the driver's seat.
- Unlock the doors, turn off the car, grab the keys and open the door for the client, enter the car, and hand the client the keys.
- Turn off the car, hand the keys over to the client and go open the door for them.
- Turn off the vehicle, get out, toss the keys a minimum of 20 yards away, open the door for the client, and retrieve the keys.
Put the Test Drive steps in order...
- Log the customer into CRM.
- Make a copy of the Client's Drivers License and Insurance. Ensure the information matches the Client, and annotate the vehicle stock number and the time of departure on the copy.
- Leave copies at the dealership with the Sales Manager.
- Drive the Client off of the lot.
- At a predesignated spot commence driver switch.
- Lead the customer through the designated demonstration route. Answering questions, and monitoring the drivers ability as needed.
- Ensure the client pulls forward into a designated parking spot.
Identity Theft
How long do you have to address a discrepancy with your pay check?
- One week after delivery of the check.
- 60 days, with the exception of commission which extends until 90 days.
- 30 Days from receiving your check.
- 3 months, no exceptions.
- Before the start of the new fiscal year.
- Legally obliged to keep records open for 3 years or termination, whichever is sooner.
What are the possible and definite outcomes of not using your CRM?
- Nothing. (It's a tool. I can use it if I want, but I don't have to.)
- Loss of Job
- Loss of commission
- Loss of your significant other
- Loss of Revenue
- Loss of the offender's left pinky finger.
- Bread and Water only for a week.
Which statements are True?
- An Odometer Disclosure is only required on trade-ins.
- You will only get paid for a pre-owned deal, when the deal is completely done, and all ROs are accounted for.
- You can get paid commission if the only thing missing is the Title on the trade in vehicle.
- The Buyers Order is required to be complete before receiving any commissions.
Which of these are ways to find out how you're doing as a Salesperson?
- Informal Review
- Ask your Peers.
- Formal Annual Review
- Compare your sales to competitor salespeople.
- Study you CSI report.
Where would you find the information below in the handbook?
Dress Code?
Paid Sick Leave
FMLA Regulations
Use of Dealership Equipment and Property
Anytime a client pays cash for a vehicle the cash must be counted by three individuals and sealed in a signed envelope. What three individuals are required?
- General Manager
- Sales Representative
- Cashier
- Sales Manager
- Finance Manager
- Billing Clerk
True and False
- A client comes in to look at a few different models. It is the best practice to get the keys for all of the cars together to present to the client.


text:
Japan's minister resigns over scandal
The minister resigned days after the ruling party suffered a crushing defeat in a parliamentary election.world Updated: Aug 01, 2007 11:29 IST
A Japanese minister resigned over political fund scandals on Wednesday, days after the ruling party suffered a crushing defeat in a parliamentary election.
Prime Minister Shinzo Abe has accepted the resignation of Norihiko Akagi, who held the agriculture, forestry and fisheries portfolio, Kyodo News quoted a cabinet official as saying.
"Media reports concerning myself and other factors had an impact on the election," Akagi told reporters.
Akagi's scandals surfaced soon after he took the post on June 1 when Abe picked him to succeed Toshikatsu Matsuoka, who committed suicide amid another political fund scandal.
After the failure to maintain majority in an upper house election on Sunday, Abe, who is under mounting pressure to resign, said he would reshuffle the cabinet to continue political reforms.
The agricultural minister has been criticised for refusing to disclose receipts for expenses booked for a political support office at his parents' house.
Later, it was found that Akagi booked a dozen million yen in operating costs in Tokyo for another political group over the seven years to 2003 even after it relocated in 1996 to Ibaraki prefecture.
On Friday, the minister was hit by another revelation that his two support groups booked some 200,000 yen (about $1,700) in mail costs in 2003 by attaching photocopies of the same receipts to their official funding reports.
First Published: Aug 01, 2007 11:24 IST


text:
Fabrics from Glynn Boyd Harte's Originals' collection for Dolphin Studio are seen here in the artists drawing-room. 2 A selection of the Dolphin Studio fabrics, wallpapers and borders. 3 Garden Trellis' wallpaper and border make up wall panels on 'Dolphin Stripe' paper. The cushions on the neoclassical sofa are covered in Linen Check'. At right, an early design for The Dolphin Brasserie. every aspect of the new venue. Table-linen, menus, murals and fabric were all forthcoming. Due to its unusual position next to a swimming-pool, diners have the occasionally dubious pleasure of being able to watch the underwater antics of the swimmers, but most seem to enjoy this mildly bizarre setting. Needless to say, the theme of the Boyd Harte contributions are decoratively aquatic. We all had such fun,' he now recalls, and, as the collaboration had proved so thoroughly enjoyable, nobody was surprised when discussions began over the possibilities of setting up a business to sell Glynn's designs to a wider public. While we were still humming and hawing about the idea, Miriam dropped in one day and set the whole show up. Just like that!' says Boyd Harte admiringly, adding sotto voce, Miriam can be extremely forceful'.
Small living room decorating Photo Gallery
Maybe You Like Them Too
- Easy Interior Design and Decor Tips
- How The Apple Made Its Way To Britain
- Christmas Decorations
- Rosalia Collection Mattresses
- Most Popular Outdoor Design Ideas


text:
I am delighted you want to check out my personal website, however
please talk to my agents about commissions as they handle all of that for me.
I look forward to working with you.
Photography, film-making, animation, fine art, painting and sculpture – Yorkshire-based artist Chris King tried a whole range of disciplines before settling on illustration. The feeling you get from drawing with a pencil on paper is like no other for him, and so he launched his illustration career in 2008.
From an early age, he's taken inspiration from comic books - everything from The Beano to Akira – and some of his earliest memories are of copying out pages of Asterix the Gaul in coloured crayons. Film is another big influence, it's the story-telling element that he likes to portray in his art. Music is always playing when he's working.
Give us a few details and we'll get back
to you quickly with an idea of Chris's
availability and fees.
Written a book?
Read our Guide for Authors and Private Commissioners that gives you a helpful idea of fees, briefing and timing.
New to commissioning
Check out our easy 1 minute guide
Want to talk to someone?
Call one of our expert agents
Cookies: Our website uses cookies to help us better understand your needs and so provide you with the best online experience.
You can find out
more about cookies and the information they collect in our updated Terms. By using this site
you are agreeing upon our updated Terms.
or Create a new lightbox
(to access/manage online portfolio)
Your browser settings indicate you may prefer the USA, Canada and the Americas site.If so, please click the flag above to change to it.


text:
Orange County Ethiopian Adoption Network
We Heart Ethiopia Dinner
THIS FRIDAY, February 8th, 6:00
At the Hausams in Orange
Bring all your little Valentines!
RSVP by commenting in this post or in the guestbook & sign up to bring a dish to share
I know, I know! No post from me in a long time! It's so hard to post when all we're doing is waiting...Hopefully that will change fairly soon :)
Hi there, you may remember meeting me at teh Frankfurt airport when you were heading to Ethiopia and we were on our way home with Elijah. Lori shared your photos with me and I was thrilled to have photos from our pitstop there (Elijah & I were sick on the flight home and the camera didn't come out). Thanks for inadvertantly sharing with us. For some photos of Hope Hiwot and her cooking, check out our blog at youneekgang.blogspot.com I think they were at the beginning of Jan.
God bless,


text:
Senate President Bukola Saraki has said that he would make known his decision on his next political ambition and party membership at the proper time.
He spoke to journalists at the Ilorin International Airport on Tuesday.
He was visiting Kwara, his home state, for the first time after his victory at the Supreme Court.
Saraki was recently discharged and acquitted by the Supreme Court over an alleged false declaration of assets case brought against him by the Federal Government.
The National Deputy Publicity Secretary of the All Progressives Congress (APC), Yekini Nabena, had accused Saraki of sponsoring friction within the party and challenged him to be straightforward about where he truly belongs. Read more


text:
5 Hidden Treasures To Discover In Istanbul
I've traveled to over 30 countries in the past decade, and I can confirm that the rumours of traveling being addictive are true! Experiencing different cultures, religions and foods completely opens your mind to the many diverse lifestyles that inhabit our planet. The experience is truly priceless. But there's always that one place that you've always wanted to visit but never got around to it. For me, that place is Istanbul. I've heard loads of stories from fellow travelers about how amazing Istanbul is with it's rich history and culture. How the smell of delicious foods being cooked circulates throughout the city. As a result, I've done some research into some of the hidden treasures to discover when visiting Istanbul. To give you a brief insight into some of the wonders you can find in Istanbul, here are four hidden treasures not to be missed!
1.Visit the Hagia Sophia Cathedral
While it may not be that hidden (large, beautiful building – you really can't miss it), it is certainly a treasure of Istanbul that you must visit. Built in the 6th century AD and also known as the Church of Divine Wisdom, the Hagia Sophia was first a Pagan Temple, then a Mosque, and finally back to the Cathedral we know it today. The most amazing thing about this Cathedral is that it is the only religious site in the world that has served to three religions throughout it's existence! As you can imagine, the Cathedral consists of rare and expensive marbles, vast amounts of gold mosaic and rich liturgical furnishings. You can touch the 'weeping column' to be healed of illness, drink from the well in the great hall, and visit the tomb of Queen Sophia where, if touched by anyone, would cause the whole Cathedral to come tumbling down!
2. Shop at the Grand Bazaar market
The Grand Bazaar market is one of the world's most exciting shopping experiences, so naturally it's a hidden treasure in Istanbul that you surely don't want to miss! Being one of the largest covered markets in the world, the Grand Bazaar consists of 60 streets and over 5,000 shops. From jewellery, leathers, carpets, embroideries, spices, hand-painted ceramics and antique shops, the Grand Bazaar has been an important trading centre in Istanbul since 1461. Open from Monday to Saturday, the Grand Bazaar is every shopaholic's dream where you can find prized items for bargain prices. Sit at one of the cafe's and watch the world go by in a romantic atmosphere to get an authentic taste of the old Istanbul.
3. Taste the specialities of Istanbul's street food
There are hidden treasures to be discovered literally everywhere in Istanbul with all of its tantalising street food. Fell like a snack? Eat a kumpir which is a baked potato loaded with cheese, butter, olives, pickles, corn and more. Or you could try a sesame seed covered pretzel from the red stands along Istiklal Avenue. From traditional Turkish pastries made of flaky dough and stuffed with feta cheese and minced meat to chicken breast pudding, Istanbul has an abundance of delicious street food everywhere in the city, so be prepared to put on a few kilos when you visit!
4. Go to a whirling dervish show
The whirling dervish shows are a unique religious ceremony you don't want to miss when visiting Istanbul. The ceremony consists of dervishes (Muslim holy men) that spin themselves into a trance-like state that triggers a divine experience, bringing them closer to God, and is a form of meditation that traces back to the early 13th century. While there are many whirling dervish shows throughout the city, the best place to witness the unique ceremony is in Konya, where the Mevlevi order was founded. Remember, while the ceremony resembles a performance, it is still a religious occasion so refrain from talking and taking pictures with flashes while the dervishes are spinning.
5. Stay in luxury
When travelling, it's always nice to go that little extra mile and stay somewhere luxurious. When you visit, stay at one of the famous old city hotels like the to ensure you make the most of your experience. There's nothing better than relaxing in a comfortable bed after spending the whole day exploring a new city! Some hotels even have some upgraded in-room compendiums and great resort-style features. So, even if you want to take a break from exploring the city, you still have plenty to do at your hotel.
Istanbul is one of the world's most amazing cities with it's rich history of culture and religion. While there are many hidden treasures to discover, this article only gives you a brief insight into the wonders that you can find in Istanbul.
If you're a hotel looking to add some great information and entertainment features to your TV system, get in touch with Lifestylepanel which supplies the ultimate hotel guest engagement system. Make your guests more comfortable by providing recommendations on things to do and places to eat, along with entertainment features such as Wi-fi and Movies on Demand. Visit http://lifestylepanel.com for more information.


text:
Posted 1 year ago
CP-1 Professional Hair Care System (KOREA) This styling shampoo reduces pesky flyaway,helping to smooth ans soften hair with styling-straight formular. It's the ideal shampoo for taming curly,thick,unmanageable,unruly hair. Finally here at NICE Cosmetics outlets. Check out instore for our special promotional deals for CP-1 range. Our dedicated sales staff will advise on the usage and benefits
Advertisement /


text:
Ever get disturbed with how much sugar AND carbs are in granola you find at the grocery store? Ever notice MOST granola contains soy ingredients? Try this homemade recipe. It not only is easy peasy, but it is a heavenly Oat-ey and Maple-y taste, packed with Superfoods!
Prep time: 15 minutes . Bake time: 20-25 minutes Total: 35-40 minutes
16 servings
- 3 cups of old fashioned oats
- 1/2 cup coconut flakes
- 1/2 cup flax seed
- 1/2 cup pumpkin seeds
- 1/2 cup walnuts
- 1/2 cup slivered almonds
- 3 TBSP coconut sugar
- 1-2 TSP cinnamon
- 1/2 tsp sea salt
- 1.5 tsp vanilla extract
- 1/3 cup maple syrup
- 1/4 cup coconut oil
- Preheat oven to 350 degrees.
- Mix the oats, nuts, seeds, sugar, cinnamon and coconut flakes in a large bowl.
- In a small bowl, mix the vanilla, coconut oil (melted), salt and maple syrup together.
- Combine small bowl into large bowl Mix together until the maple syrup mixture seems to be evenly spread.
- Then on two cookie sheets, spread out your granola mixture.
- Bake for 20-25 minutes. It took 23 minutes for mine.
- Let cool. Then store in a sealed off container for a maximum of 2 weeks.
This recipe is CUSTOMIZABLE. You can add or remove as you please. You can exchange the oils and sugars your preference. You can replace the Pure Maple Syrup with Raw Agave Nectar OR Raw Honey.
Macros per Serving:
Serving size 1/2 cup
- 188 calories
- 22g carbs
- 10g fat
- 4.5g protein
- 8.6g sugar
- 4g fiber
You can also try making it with 1/2 the above oil and maple syrup. I've tried it and it still tastes good, but does not bind together as well. Macros as such would be: 165 calories per half cup, 19.5g carbs, 8.5g fat, 4.5g protein, and 4.5g fiber (net carbs of 15g per half cup which would be amazing for granola!)


text:
If you're thinking about selling your business, we might be interested. As the leading non-bank financial services company in Florida, Amscot is always looking for the right opportunities to expand our extremely successful Money Superstore concept. So, if you own a check cashing or money services business in Florida, that you're interested in selling, then maybe it's time to talk.
For more information, please contact
Joe Monaco at 813-637-6237.
Sign up for email updates and be the first to know what's new at Amscot.
From timely product information to new branch openings & special offers.
Enter your email address
© 2013 - 2019 Amscot Financial, Inc. All Rights Reserved.


text:
It is important to not to view leprosy as an isolated problem in terms of development. It is our desire to see leprosy-affected and disabled people included in mainstream and Neglected Tropical Disease-specific development programmes so that they can reap the same benefits from government aid programmes as their able-bodied counterparts. Yet many NGOs and programmes do not include disability, with claims that it is too expensive, does not offer value for money or due to a lack of expertise.
Recent research carried out by The Leprosy Mission England and Wales with more than 5,000 leprosy-affected people from nine countries across Africa and Asia revealed that although they had seen changes around them, they did not feel they had benefited from the Millennium Development Goals.
The UN Convention on the rights of persons with disabilities states that disabled people have equal rights and must be included in development processes. 2015 brings the global challenge to develop Sustainable Development Goals that will not just halve poverty and reduce associated with it as the Millennium Development Goals attempt but to create goals which will include all to ensure that no one is left behind (United Nations General Assembly 2014).
One billion people globally are disabled, 80 per cent of which live in developing countries (DfID 2014). We know that permanent disability is a reality for many of the 1.5 billion people living with the consequences of NTDs.
The EC-funded Food Security for the Ultra Poor in Bangladesh was run by a consortium of NGOs is a good example of disability-inclusive development. The Leprosy Mission provided technical expertise and spearheaded the leprosy and disability components of this life-changing project which has seen more than 900 leprosy-affected families (out of a total of 40,000 beneficiaries) benefit from a new source of income. The majority are women-headed families, some as a result of their husbands being unable to work because of leprosy-caused disabilities. Others are leprosy-affected women like Momina desperately needing an income. Disabled women are doubly disadvantaged and subject to high levels of abuse (DfID, 2014).
Coming from the Gaibandha district of Northern Bangladesh, 50-year-old Momina's husband divorced her on hearing she had leprosy, taking with him their son and three daughters.
Despite being shunned by villagers, her brother gave her a place to stay. Her feet are numb as a result of leprosy-caused nerve damage and she cannot walk far without developing ulcers that, if they become infected, could result in her lower legs being amputated. This greatly limits her earning capacity. But Momina wants to work, not least to repay the debt she feels she owes her brother.
As part of the Food Security for the Ultra-Poor project, Momina was given 10 chickens, a goat and a cow. The chickens have produced 12 chicks and the goat two kids. She is able to sell eggs and milk and says she is "able to hold her head high" in the community. She is also benefiting from the camaraderie of being part of a 26-member women's support group. She even has 600 Taka (around £5) worth of personal savings as part of a self-help group cooperative, enough to support her when she next hits tough times.
As well as livelihood activities, the project provided rehabilitation services including physiotherapy, Occupational Therapy and the provision of assistive devices including protective footwear, wheelchair and crutches. A total of 70 per cent of people who received these services noticed positive changes in their ability to perform livelihood activities. Crucially many women stopped begging as a result and disabled women stated that working was empowering and meant they were more respected by their family as they were able to contribute to the family income. Many disabled women took on leadership roles within their group and 251 disabled women were included as members of federation committees.


text:
I've been waiting to roll out this series until we could also make it part of our November news letter, but I now get to share with our readers and listeners one of the more important podcasts you'll listen to this year.
Matt Bracy, senior counsel at Settlement Capital and one of the industry's leaders in all aspects of factoring joins The Settlement Channel and LBN audience from the NASP convention. Matt's guest is nationally renown Attorney Jeffery Hartley, a respected expert in the issue of bankruptcy law, and in particular how to work through the process of factoring or managing structured settlement annuities in bankruptcy. Attorney Hartley is a partner in the firm of Helmsing, Leach, Herlong, Newman and Rouse, PC, based in Mobile, Alabama and widely respected as one of the nations leading experts on bankruptcy issues. Attorney Hartley was appointed by the Majority Leader of the U.S. Senate in 1994 to be a commissioner on the National Bankruptcy Review Commission, and also formerly served as a Majority Counsel to the U.S. Senate Committee on the Judiciary, with legislative responsibility over the area of bankruptcy, antitrust, intellectual property as well as judicial nominations. He is a frequent speaker to legal and banking groups and we were delighted he was able to join us for this outstanding two podcast series.
The first podcast is available by clicking here and is a solid over view of the issues that are crucial to any attorney, judge or settlement professional who is dealing with bankruptcy and has a structured settlement or periodic payment that is going to be attached or needs to be liquidated as a result of a court order. So few people know what to do, where to turn or who the experts are and this podcast lays out the issues in a way that makes it clear to both the lawyer and the layman what their options are.
Click here for part one of our podcast with Attorney Jeffery Hartley and our commentator and expert Matt Bracy, general counsel of Settlement Capital Corporation and the author of "Capital Corner" the blog and podcast home of Settlement Capital Corporation and The Factoring Channel.


text: This seminar examines the emerging challenges associated with regulating work in the new economy, focusing particularly on app-based work. The course will begin with fundamental questions about who is (and who should be) an employee or an employer. It will then explore efforts to guarantee minimum work standards through regulatory interventions or private ordering. The course will ask students to think creatively about problems from across the work law spectrum, such as whether and how to facilitate workers' collective action; how to guarantee a minimum wage; and how to enforce non-discrimination laws and norms.


text:
A peek behind the curtain: The Dr. Phillips Center brings Orlando's arts into the 21st century with its grand opening this month, Inside: Our Annual Holiday Guide, MBA fires Orlando Pride director, suspends board, LGBT Welcome Center opens in St. Pete, Scott edges out Crist in governor's race, local news, celebrity interviews, and much, much more!
Watermark Issue 21.23// Nov. 6-19, 2014
On the Cover:
The $514 million Dr. Phillips Center for the Performing Arts is set to debut this month in Orlando, and puts a 21st century spin on the arts in the City Beautiful. Illustration by Jake Stevens
Page 10 | Orlando News
The Metropolitan Business Association fired Come Out With Pride president Mikael Audebert amid allegations of mismanagement; The Dr. Phillips Center is exponentially fabulous and LGBT friendly; Saunders, Stewart lose re-election bids.
Page 12 | Tampa Bay News
Michael Smith easily wins his re-election to the Largo Commission; Hillsborough Commission races too close to call on election night; St. Pete's LGBT Welcome Center finally opens its doors; St. Pete will turn red for World AIDS Day.
Page 27 | Giving her glow
The new Amazon Prime series Transparent delves into the story of a transgender woman sharing her journey with her ex-wife and their adult children. Judith Light talks about the project and why she decided to jump at the role of a lifetime.
Page 30 | Entertainment
Jobsite Theater's Vampire Lesbians of Sodom incorporates camp and music into the Charles Busch classic. We talk with director David Jenkins about his vision for the production, which runs at the Straz Center through the end of November.
Page 54 | Gallery W
Halloween fell on a Friday this year, meaning it turned into a weekend-long celebration of costumes and parties. Watermark had photographers everywhere, and we've collected some images of our favorite, festive costumes.
This issue is packaged with our annual Holiday Guide!
Click here to find a distribution site nearest to you!


text:
You & Me and the Kids
You & Me and the Kids
This is a handmade wooden sign. The lettering is painted by hand without the use of vinyl stencils. This piece comes framed and hanging hardware is installed on the back. Please allow up to 4 weeks for production. This piece is made from real wood and may have characteristics of real wood such as divots, knots, wood grain, etc.
Dimensions: 24"x48"
Please select shipping option or local pickup in Delaware, Ohio 43015 at checkout.
Add To Cart


text:
The agency has issued draft guidance detailing its oversight of next-gen sequencing devices used to diagnose infectious diseases.
FDA has published a draft guidance document explaining its perspective on diagnostics devices that use next-generation sequencing to identify infectious diseases. In the draft guidance, "Infectious Disease Next Generation Sequencing Based Diagnostic Devices: Microbial Identification and Detection of Antimicrobial Resistance and Virulence Markers," the agency describes its "systems approach" to regulating these diagnostic devices and proposes the use of the FDA-ARGOS database as an alternative comparator.
The technology is a crucial one and accuracy is key. Next-generation sequencing diagnostics for infectious disease "carry an absolute need for immediate and actionable results, sometimes within hours, as an incorrect initial diagnosis potentially leads to fatalities," FDA noted.
The draft guidance developed out of discussions on the topic from an April 2014 FDA public workshop and an April 2015 colloquium held by the American Society for Microbiology.
Next-generation sequencing can be used to identify one or several different organisms and combines the functions of what were previously many tests into one process, FDA explained. Yet there is a wide range of infectious diseases and many types of samples tested with each device, including spit, urine, blood, stool, cerebrospinal fluid. FDA suggests the "one system" approach similar to its method of oversight for other molecular-based diagnostics. "This approach will evaluate, in parallel, the system as a whole (including generation of clinically actionable data), and each individual step in the sequencing data pipeline as part of that system, from specimen collection to results report," according to the draft guidance document.
Get inspired to innovate in medtech at the MD&M East Conference, June 14-16, in New York City.
Indeed, the draft guidance includes a figure showing the steps in the sequencing process that are covered by FDA oversight: specimen collection, specimen preparation for sequencing, sequencing/chemistry/data collection, data storage/data analysis, and the report. If creating the final report also includes databases, or genome assembly, annotation, and finishing, these steps may also be part of FDA's purview.
The agency has also proposed that sponsors use the FDA dAtabase for Regulatory Grade micrObial Sequences (FDA-ARGOS); BioProject 231221 as an alternative comparator for clinical evaluation of pathogens, antimicrobia resistance, and virulence markers, part of a "least burdensome regulatory approach," the document stated.
According to the FDA document, sponsors should include information on the device description and validation in a submission. Intended use, test methodology, ancillary reagents, controls, and details on interpreting tests results and reports should be included in the device description, while pre-analytical factors, device performance metrics, analytical performance, instrumentation and software, and clinical evaluation should be part of the device validation section.
[Image courtesy of PRAISAENG/FREEDIGITALPHOTOS.NET]