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Bundle Includes:
The Joy of Photography - Take Your Passion for Photography to the Next Level
Since the age of film photography, the history of FUJIFILM has paralleled the path of the professional photographer. Our story is the endless pursuit of unparalleled photographic expression, and the X series was born. What is the meaning of a camera or photos in your life? Now you can hold the answer to explore the depths these questions. FUJIFILM X. It is the promise of unprecedented photographic pleasure.
Pursuit of Image Quality - Commitment to Uncompromising Image Quality
The high-quality FUJINON lens, the larger sensor, and the processor - each device is the product of our commitment to uncompromising quality in every detail. Each exploits the full potential of the other, achieving an optimum balance that enhances their total performance. This is the FUJIFILM way - a development approach that has produced breakthrough after breakthrough in image quality. FUJIFILM X. It is the promise of ultimate image quality.
Exploration of New Angles on Photography - Subject Through the Viewfinder
Experience photography with the viewfinder that incorporates the cutting edge of FUJIFILM technology! Through the viewfinder, your eye finds the freedom to compose your shot in a wide field of view and the luxury of a bright, clear view of the scene. Here is the pleasure of focusing on your subject, and the endless fascination of exploring the scene from every angle. FUJIFILM X Series. It is the promise of discovery of a new world through the viewfinder.
Quality & Operability - The Joy of Sharing Every Moment with Your Camera
The tactile pleasure whenever you hold it and operate the controls. The delight of its styling with a timeless attraction. Your growing attachment to this instrument every time you venture out together. These are qualities that cannot be measured, and the difference is the passion and experience of FUJIFILM. FUJIFILM X. It is the promise of a camera that transcends the definition of a photographic instrument and opens your senses to a world of possibilities.
Large APS-C X-Trans CMOS II Sensor
OLPF-less architecture and the original pixel array are the keys to resolution rivaling a full-size sensor. Also the unique integration of phase detection pixels in the array contributes to the dramatic leap in AF speed.
Leading the way to the ultimate image quality. APS-C 16M X-Trans CMOS II Sensor & EXR Processor II
The extreme resolution of FUJIFILM's bespoke APS-C 16M X-Trans CMOS II sensor with OLPF-less architecture. The clarity of the signal achieved by the optimization of every aspect of its processing circuitry. The enhanced image quality produced by the powerful EXR Processor II.
Advanced technology transfers the power of the lens into true-to-life photos.
X-Trans CMOS II incorporates an original color filter array with a highly random pattern, eliminating the need for an optical low-pass filter (OLPF). These filters are used in conventional systems to inhibit moire at the expense of resolution. The X-Trans CMOS II array lets the sensor capture unfiltered light from the lens, achieving an unprecedented level of resolution.
In addition, utilizing the enhanced performance of the EXR Processor II, Lens Modulation Optimizer (LMO) factors are calculated to compensate for aberrations and diffraction blur that occur when light passes through the lens and then are applied to produce images with amazing sharpness.
Setting new standards in low noise performance - X-Trans CMOS II Sensor & EXR Processor II
In the X-Trans CMOS II sensor, the optimized circuits elevate the S/N ratio and produce a clean signal that is enhanced by the powerful new EXR Processor II for a further increase in image quality. The original signal processing of the X-Trans array featuring advanced noise separation technology combines with a newly developed noise reduction process that exploits the color differential to suppress chromatic blur, resulting in image quality far beyond its sensor size.
Intelligent Hybrid Auto Focus - Auto-switching between phase detection and contrast AF. Intelligent Hybrid AF brings your scene into focus in only 0.08 sec*.
Equipped with both the super fast phase detection AF system, and contrast AF for accurate focusing in dark scenes, Intelligent Hybrid AF instantly switches to the optimal focusing system. Applying the fastest algorithm depending on the subject and scene, Intelligent Hybrid AF can bring your subject into focus in the blink of an eye - only 0.08 sec*. at its fastest speed so those priceless moments will never escape your lens.
EXR Processor II - Double the processing speed of the previous generation
The image processing power of the newly developed EXR Processor II not only produces images with increased resolution and higher quality at higher speeds, but also accelerates operational responses. Adoption of a dual CPU and increased clock frequency elevate performance to about twice the processing speed of the previous generation processor**. These improvements also speed up operation, reducing start-up time to only approx. 0.5 sec***. Working in tandem with the high-speed signal readout of the X-Trans CMOS II sensor, the processor reduces the shooting interval to 0.5sec, and raises the maximum continuous shooting speed to 6fps.
High-Speed Continuous Shooting
Maximum High-Speed Continuous Shooting Speed of 6.0fps (max. 31 frames*4) Shoot at a maximum burst speed of 6 frames per second at full 16-megapixel resolution to capture a series of exposures of moving subjects and other challenging photographic scenes and later select the best shot.
High Performance Mode
From instantaneous autofocusing in as fast as 0.08 sec*. to faster start-up, you can maximize the performance of the FUJIFILM X100S to its limits. Also after turning OFF the power, the FUJIFILM X100S enters a "sleep" mode (for a maximum of 24 minutes). Turn ON the power during this time, and the FUJIFILM X100S "wakes up" instantly, reducing the normal start-up time from about 0.9 sec. to approx. 0.5 sec. ready for you to frame and capture the moment.
* Fujifilm research as of November 2012 based on CIPA guidelines and conducted in "High Performance" mode.
** Compared with the EXR Processor Pro.
*** High Performance Mode
*4 Max. number of frames can be shot in JPEG setting
Hybrid Viewfinder
There's an indescribable pleasure that peering through a viewfinder provides. And now Fujifilm have taken this further with the launch of the newly developed Hybrid Viewfinder. Whether you're framing your shot through the Optical Viewfinder (OVF), or Electronic Viewfinder (EVF), your eye will not only see the subject and scene, but also a range of shooting data projected by an integrated high-definition LCD panel. This perfect marriage of intuitive analog operation and state-of-the-art digital functionality gives birth to the discovery of new dimensions of enjoyment behind the lens of the ultimate compact.
Instantly Switch between OVF and EVF
When you want to view the subject with maximum clarity or keep shutter time lag to a minimum, the Optical Viewfinder (OVF) impresses with stunning optical quality. For confirmation of focus, exposure, white balance and depth of field while shooting the scene, just move the lever to Electronic Viewfinder (EVF). According to the demands of the shooting conditions and your creative inspiration, the FUJIFILM X100S empowers you with the capability to switch between two viewfinders.
Vivid Frame and Text Data Display Projected from the Built-in LCD
Using a conventional "bright frame" optical viewfinder configuration as a base, the FUJIFILM X100S has an integrated 2,360K-dot LCD panel to display shooting information. Compared with a conventional display that uses an illuminating window to bring in external light, this hybrid approach produces a crisply defined bright frame and sharp easy-to-read text information.
Reverse Galilean Optical Clarity
Offering a comfortable horizontal apparent field of view (approx. 26 degrees), the viewfinder 0.5x magnification is ideal for lens with a 35mm focal length (35mm format equivalent). Adoption of a high-precision prism, high-refractive glass and Super EBC coating, enhance enjoyment of a bright, clear optical image with minimal aberrations.
Amazing Clarity in both OVF and EVF
The unique viewfinder shutter controls the entry of light from the optical viewfinder. When it is open, your eye sees the precise clarity of an optical image. When it is closed, the sharp definition of the Live View projected from the LCD panel is displayed.
Eye sensor
When you bring the camera to your eye, the viewfinder can sense it and will switch automatically to viewfinder mode. Then when you lower the camera the display switches to the LCD on the back of the camera. Alternatively you can select to always display images on the LCD or to always use the Viewfinder depending on your preferences.
Built-in Diopter Adjustment
You can easily change viewfinder focus setting from -2 to +1m-1 (dpt) via the dial located next to the viewfinder.
Eyepiece Supports Viewing by Eyeglass Wearers
By setting a relatively high eye point (distance between the eyepiece and the naked eye) of about 15mm, the design facilitates natural and comfortable viewing even by glasses wearers.
Optical Viewfinder (OVF) - Optical Image Clarity & Rich Information Display
Framing shots with the sharply defined bright frame projected by the LCD panel is a real pleasure. In addition, the freedom to customize the information displayed in the viewfinder lets you confirm key settings while you enjoy framing your shots.
Automatically Adjust Frame and Information Display Brightness
Automatically adjusting multiple levels of display brightness according to ambient light conditions, the newly developed Hybrid Viewfinder delivers the crystal clarity of the optical image while optimizing the brightness of frame and information display for comfortable framing of every shot.
Power Control System: OVF Power Save Mode
If you turn this mode on when using the optical viewfinder, the power saving system is activated, doubling the maximum number of images per full charge from 330* in normal operation. It is ideal for getting the most out of your battery capacity and getting a few more valuable shots out of your charge.
* Maximum shots from a fully charged NP-95 lithium battery pack, based on the CIPA test standard.
Electronic Viewfinder (EVF) - 100% Coverage 2,360K-dot of High Definition Quality
When using the EVF, you will enjoy 100% coverage on a sharp image display delivered by a 0.48-inch high-definition LCD delivering 2,360K-dot of resolution. From precision framing of macro shots with "Live View" to quick post-shot reviewing of your results, the EVF is ready with its vividly accurate display whenever you need it.
Manual Focusing - "Digital Split Image", the world's first manual focus system** to exploit the power of phase detection pixels.
Tapping the power of the phase detection pixels integrated in the X-Trans CMOS II sensor, Digital Split Image helps you manually focus your shot with greater precision. While checking the split image displayed in the LCD monitor or EVF, you can manually adjust for pinpoint focus, especially helpful when working with an open aperture or macro shooting.
Focus Peak Highlight For pinpoint manual focusing
When manually adjusting focus, this function highlights high contrast areas of your subject for smoother and more accurate focusing.
Manual Focusing - Exactly the focus that you want
In the viewfinder, the distance index bar is displayed together with the depth of field scale and aperture value, providing helpful guides for focusing. For pinpoint precision in manual focus mode, just press the Command Dial and confirm sharpness with a 4x zoom view of the focus point. And at a touch of the AE/AF Lock button, you activate the built-in Focus Aid function for automatic focusing of the subject in the focus frame.
23mm F2 Single Focal Length Lens
The best image quality without compromise, packed into a slim compact body that you want to take everywhere with you... These were the aims when the FUJIFILM X100S was being developed. And they have been achieved through the incorporation of a newly developed, non-interchangeable, non-collapsible, fixed focal length lens. While featuring the generous brightness of a maximum F2 aperture, the large-diameter rear lens group is integrated into the body for an ultra-slim profile. In addition, the optimization of the sensor for this special lens fully exploits the advantage of a fixed focal length lens for superior edge-to-edge image quality.
Optical Design with a Priority on Performance
The simple all-glass lens configuration (6 groups/8 elements) is designed around a single high-performance double-sided aspheric lens. Uncompromising image quality is assured by the application of multi-layer HTC-EBC(High Transmittance Electoron Beam Coating) coating and other technologies. The result is perfectly balanced optical excellence promising low aberrations, sharp resolution and faithful color reproduction.
Double sided aspherical lens
The use of an aspheric lens increases the freedom in lens design; however, it does not necessarily lead to the development of a good lens. For the FUJIFILM X100S, spherical lens elements are used as much as possible, and one double-sided aspheric lens made by a glass molding process has been adopted as the most effective element for delivering maximum performance.
Super EBC - Aiming for High Quality Images
All the lens elements used in the FUJIFILM X100S have been treated with multilayer Super EBC (Electron Beam Coating), the same process used for Fujinon broadcasting video lenses and large-format camera lenses acclaimed by professionals. Reducing ghosting and lens flare, the treatment promises clear image quality.
Capture superb "Bokeh" effects with the 9-blade aperture diaphragm
Providing a circular opening at the largest aperture, the 9-blade aperture diaphragm lets you capture pleasingly defocused background effects. Even with a slightly wide angle, the background is softly out of focus while the foreground is sharply defined.
The Built-in ND Filter
Equivalent to 3 f-stops, the ND filter in the FUJIFILM X100S lens reduces the amount of light to 1/8. In situations where the light is very strong but you want to shoot at a slow shutter speed or do not desire to close the aperture, the built-in ND filter captures the flow of water or flowers swaying in the breeze in bright sunlight or professional portraits with a beautiful defocused background.
10cm Macro
The FUJIFILM X100S lets you bring the edge of the lens as close as 10cm from your subject. Outstanding shooting range and exceptional performance in a variety of scenes set this lens apart.
Wide Conversion Lens* Broadening the scope of FUJIFILM X100S expression is as simple as adding this lens!
Specifically designed to seamlessly unite with the look and feel of the FUJIFILM X100S lens without impacting on its exceptional performance, the Wide Conversion Lens expands the angle of view from the original 35mm** to 28mm**. Landscapes become more dynamic and the depth of wide macro shots will amaze. Its very light weight of 140g and compact design let you explore a wider range of expression without sacrificing the excellent portability of the FUJIFILM X100S.
* Sold separately
** 35mm format equivalent
The design of the FUJIFILM X100S prioritizes "photographing"
The FUJIFILM X100S employs numbered dials for aperture, shutter speed and exposure compensation and is equipped with a viewfinder that allows you to select your composition. The design of the FUJIFILM X100S resembles the cameras of the film age, and there is wisdom that has been passed down behind it. This gives the FUJIFILM X100S commonality that transcends the ages. The FUJIFILM X100S is designed to enable you to "quickly" capture that moment you wish to document.
Compact Body
The exceptional performance of the lens, viewfinder and rich functionality are all packaged into a compact body that fits comfortably in the palm of your hand.
Precision-milled Metal Ring and Dials
Featuring high precision parts including the aperture ring, shutter speed dial and exposure compensation dial which are all milled from solid metal with exacting measurements.
Die-cast Magnesium Top and Base
Made from strong, yet lightweight, die-cast magnesium, the FUJIFILM X100S's top and base are not only essential components, but also create an air of solid authority and enhance the feel of the product and your pride of ownership.
Leather-like Finish Delivers a Quality Look and Durability
Compared with real leather, synthetic leather is the practical choice that promises resistance to the elements and higher durability.
Satisfying Shutter Sensation
You can even choose from 4 shutter sounds: "Mirror Up", "Focal Plane", "Lens Shutter" or "Silent".
Metal Lens cap
Coordinating with the texture of FUJIFILM X100S's metal body, the aluminum lens cap looks the part and fits snugly thanks to its fabric liner attached to its step-machined inner surface.
Q (Quick Menu) Button - Fast Shortcut to Shooting Menu Settings
Press the Q (Quick Menu) button and skip directly to a choice of ISO sensitivity, Film Simulation and other frequently used shooting menus. Then just use the selector button and the main or sub command dial to choose a menu and make settings even while shooting.
"Made in Japan" - the Mark of Premium Quality
Each and every part of this camera is the product of high precision engineering and the highest quality standards.
High Performance LCD Monitor
2.8-inch, 460K-dot LCD with High Contrast, High Brightness and the convenience of a Wide Viewing Angle On the LCD, you can view the same image displayed in the electronic viewfinder. You can also switch it to show a simple shooting data display.
Film Simulation Mode - Replicate FUJIFILM's acclaimed color reversal photo films with Film Simulation.
Just like choosing the ideal film for your creative direction, this powerful mode lets you simulate the film color and tonal qualities of FUJIFILM's acclaimed color reversal films: the natural look of PROVIA, the dramatic tonality and vivid colors of Velvia, and the soft tones and beautiful skin color reproduction of ASTIA. Faithfully reproducing Fujichrome color quality loved by professional photographers, Film Simulation transforms your vision into masterpieces of color expression. You can also replicate the timeless beauty of monochrome film photography with a selection of monochrome filters.
Enjoy the exceptional definition of Full HD Movie Shooting!
Full HD Movie (1920 x 1080) mode offers 60fps for smoother capture of the action in full high definition detail. Shooting movies at the high bit-rate 36Mbps results in enhanced image quality and clarity that reveals every detail from individual leaves in the trees to subtle changes in facial expression. You can also take advantage of Monochrome and the vivid color expression of other Film Simulation modes, and exploit the brightness of the lens to shoot movies with a stunning "bokeh" effect.
Intelligent Hybrid AF also keeps you focused on your movie.
Automatically switching between phase detection AF and contrast AF depending on the scene, the Intelligent Hybrid AF also demonstrates high-speed and high precision autofocusing performance in movie shooting.
Artistic photography made fun and simple. Advanced Filters
Featuring a choice of 8 artistic effects, FUJIFILM's Advanced Filters make it easy to transform your photo into a work of art. Before you press the shutter, you can preview the effect on the LCD monitor. Manual control of the filters also lets you fine-tune brightness.
Add a New Dimension to Photographic Expression with Multiple Exposure
Just select Multiple Exposure mode and take your first shot using either OVF or EVF. While viewing it on the LCD screen, you can frame and shoot the second exposure. This ability to precisely position and focus the second shot lets you not only 'see' how the finished Multiplex Exposure image will look, but also explore other creative photographic possibilities.
RAW PHOTOGRAPHY - 14-bit RAW Shooting
Capture Richer Tonality - The high precision 14-bit RAW data format lets you record moments with richer tonality and captures more detail.
In-camera RAW Converter
The FUJIFILM X100S's built-in RAW data converter lets you view and edit your results without the need for your PC. The conversion of RAW data not only takes into account exposure compensation, white balance and other in-camera image quality control settings, but also lets the user apply Film Simulation modes in the converter mode.
Special FUJIFILM X100S RAW Conversion Software Included
For the management, viewing and conversion of RAW image data on your PC, you will find a special FUJIFILM X100S version of the powerful and easy-to-use RAW conversion software powered by SILKYPIX included in your camera box.
Exposure Control - At a glance you know your current Aperture and Shutter settings without powering up.
When you hold the camera for a shot, your left hand naturally controls the Aperture Ring and your right comfortably finds the Shutter Speed Dial. Everything is ideally positioned so you can concentrate on composing your shot. You are in complete control with a choice of aperture priority AE, shutter speed priority AE, program AE and manual exposure control.
Adjust directly with Exposure Compensation Dial
For photographers who always want access to detailed exposure control, the Exposure Compensation Dial is positioned in easy reach of your right thumb for smooth ?2EV adjustment in 1/3EV steps without taking your eye from the viewfinder.
"T" (Time) & "B" (Bulb) Long Exposure Modes
Turn the shutter speed dial to "T", set a time between 1/2 and 30 seconds (1/3EV steps), and the countdown begins. In "B" mode, you can keep the shutter open for a maximum of 60 minutes.
Easy-to-use AE/AF Lock button
With a touch of the special AE/AF Lock button on the back of the camera body, you can lock both exposure and focus for the subject. Using the setup menu, you can also set the button to lock only AE or AF.
Selectable Metering modes
From a choice of "MULTI" metering for accurate response to a variety of lighting conditions, "SPOT" metering for precise reading of approximately 2% of image area in the center of the screen, and "AVERAGE" metering for an average exposure setting for the entire scene, you can swiftly select the best metering for your shot.
Focus Mode selector (AF-S, AF-C and MF)
The focus mode selector on the side of the camera lets your fingers smoothly find and switch between AF-S (Single AF), AF-C (Continuous AF) and MF (Manual) while looking through the viewfinder.
Selectable AF with a 49- point Metering Matrix
Within the screen, the auto focus area is divided into a 49-point matrix. AF accurately and swiftly recognizes the primary subject and brings it into crystal clear focus, and also lets you freely select the position of the AF frame. You can also change the AF frame size and pinpoint the focusing.
0.01-sec. Shutter Time Lag
The shutter time lag is only 0.01 sec., so you can capture the precise instant you wish to and enjoy a comfortable shooting experience.
AF Assist Lamp for Low-Light Scenes
In low light settings when even the subject is hard to see through the viewfinder, the AF Assist Lamp illuminates the subject and assists Auto Focus.
White Balance Setting
Compensate for the color of different light sources with a choice of 9 white balance presets in addition to Auto White Balance. You can also make custom white balance settings using a gray card or other surface, or by selecting the optimum color temperature (Kelvin value).
Precise White Balance Setting
Fine tune white balance by adjusting R (red) - Cy (cyan) and B (blue) - Ye (yellow) in 9 steps. You can make adjustments and confirm their effect on the actual image during shooting. With this powerful setting, you can adjust individual white balance parameters, tweak settings for the more accurate correction of white balance or explore the creative effects that can be achieved with filters.
ISO Sensitivity - ISO100-25600 Sensitivity setting range
Select from the broad sensitivity range of ISO100-25600 for shooting at full 16-megapixel resolution The FUJIFILM X100S also lets you set the AUTO ISO range (up to ISO6400) and the shutter speed limit. For quick access to ISO settings, you can assign this function to the Fn or Q Button.
Image Quality Control - Color, Tone & Sharpness Adjustment
Fine-tune image quality with "color" for color saturation adjustment, "HIGHLIGHT TONE" and "SHADOW TONE" for tweaking contrast in highlights and shadows, and "SHARPNESS" to stress or soften image outlines. With this built-in detailed image quality control, you can produce an image that precisely matches your creative objectives.
2 color Space Types
Select either sRGB for a standard range of color reproduction on general displays or Adobe RGB for its broader color rendition depending on how you intend to output and use the image.
Noise Reduction Control
Choose from 5 different levels of noise reduction depending on whether your priority is the crispness of resolution or keeping noise reduction to a minimum, and explore the capability to tune sensitivity-related textural quality when shooting high-sensitivity scenes.
Powerful Built-in Auto Bracketing Functions
Empowering you with a choice of 4 different auto bracketing functions (AE, ISO Sensitivity, Dynamic Range and Film Simulation), the FUJIFILM X100S lets you experience the wide world of photographic expression.
Motion Panorama - Shoot panoramic shots and show them in stunning large-size prints.
As you sweep the camera across the scene, the FUJIFILM X100S captures multiple images and seamlessly stitches them together into a single panoramic photo. Even when enlarged to an A3-size print, there is virtually no loss of resolution. Holding the camera horizontally or vertically, Motion Panorama lets you shoot 120 degree or 180 degree views.
Super Intelligent Flash
Adopting Fujifilm's original TTL automatic flash control technology, the built-in high-precision flash system is ready to supplement lighting when shooting small items or capturing special occasions indoors and other low-light scenes. When even more light is required or shooting with the lens hood attached, you can use a separately sold TTL flash.
Shutter Counter
Previously shown in the menu screen, the total number of shutter releases is now displayed as a counter that shows every 100 shots.
* The count is also incremented each time the camera is turned off, playback mode is selected, or the optical viewfinder is activated
Swift Menu Page Selection and Scroll-free Navigation Within Each Page
In the Shooting and Playback menus, functions are organized into tabbed single-page screens for fast selection and setting. Just select a tab and find the item in the displayed list without scrolling.
Eye-Fi Card Compatibility - Wireless Photo Storage in Your Personal Computer!
The FUJIFILM X100S supports Eye-Fi SD memory cards with built-in WiFi for easy wireless transfer of image data to your personal computer. As you shoot, your photos can be swiftly uploaded and stored on your personal computer.
Self Timer (2 or 10 seconds)
Use the menu to select the Self Timer function. It is not only great for group photos, but also comes in handy in macro photography and low exposure shots when you want to avoid blur caused by manual shutter release.


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"Retired" is, I suppose, the answer. I thought Detective Chow had been languishing in some back office somewhere, steaming open fortune cookies. But no, I think it's safe to say that he was given a quiet retirement morning tea and maybe a small speech with jokes about Molly and missing receipts. The thing is he just always took a lot longer to do something that should have been quite simple. Take a few photos, throw together some descriptive words, publish the damned review. But no, he had to go out of his way to make things difficult for himself and eat up a whole lot of time in the process. I mean, 12 hours to write a restaurant review? When you can tweet or urbanspoon or yelp the same conclusion in 30 seconds? Give me a break.
So, yeah, that. I enjoyed my time with Detective Chow, and still occasionally tweet as him (@foodscene).
So what have I done? In the ~18 months Detective Chow was blogging I think I did a lot I can be proud of.
Helping the little guy
When I started reading food blogs I noticed the same places coming up again and again. I guess if it's popular you want to check it out. But these were established blogs so what was the point in adding to the noise? Instead I focussed on smaller places in my local beat. Places like Oldtown in Newtown (breakfast and dinner), Fish & Co, Jester Seeds (my first post, now closed) and a bunch of others which are now closed.
My top five
I think my top five posts are as follows:
#5: South Coast food tour. Somehow this is my #1 post in terms of traffic. Which is great, seeing as (like the tour itself) the post showcases small producers and providores who deserve some attention.
#4: "No photos" Greek restaurant. What do you do when your blog is a photo comic and the restaurant tells you not to take photos of the food? You use paper cut-outs to tell an epic tale of Chinese and Greek philosophy.
#3: In which Detective Chow borrows from The Man from Snowy River (Sixpenny). Rather than being clever, this format was directly inspired by the restaurant experience. Sixpenny uses local and indigenous ingredients, and the Australianness really came through. So to capture some of that I turned to some great Australian poetry. I think I managed to a) describe the food, b) be loyal to the poetry, and c) take some excellent photos. And bonus points for the mouseover text on this one.
#2: Marque, in the style of a children's spy activity book with added Bond villain. This was again inspired by the restaurant experience itself. Marque doesn't give you a menu for the degustation; each dish is a surprise revealed when it is served. To recapture that experience I wrote some silly riddles for each dish, and spent hours finding some javascript code that would work in Blogger to make the answers reveal on a click. That and I think it's the first time I was so proud of my photos that I couldn't bear to put the lettering over the top of the photos themselves. It's also probably my favourite dinner ever.
#1: Postcards from a street food vendor in Vietnam. This was maybe my favourite holiday ever -- at least in terms of food -- and it's possibly my most useful post (well, series of posts) in terms of being a guide for people going to north Vietnam. Eating at these places instead of the tourist traps will completely change your Vietnam experience. Complete with Google maps with the locations and descriptions embedded. Four posts cover Hanoi, Cat Ba, Hoi An Part 1 and Hoi An Part 2.
And so Detective Chow and Molly finally said "I'm full", drained their glasses, and asked for the bill. Then they did a runner.
And they all ate happily ever after.
The End.

subset: commoncrawl


text:
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text:
Faculty and Staff
The following links provide resources for all faculty and staff at Holy Family School. You can either contact the school here or reach out directly to a member of the faculty or staff through the links below.
Ms. Sara BoyeaPre-Kindergarten Teacher
Biographical Info
Bio coming soon!
Categories: Faculty
Updated 1 year ago.
Holy Family Education Council
The Holy Family School Education Council Governing Body is made up of Jason Ellis (President), Corinne Fitzpatrick (Vice President) and includes Lisa Avery, Andrew Duso, Mrs. Monique Dwyer, Fr. Joe Giroux, Marianne Jadlos, Fr. Thomas Kornmeyer, Fr. Ray Moreau, Paul Normandeau, and Eric Poirier.


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How to Buy Cardio Equipment for Your HomeReady to take your cardio workout to the next level? Get started with the basics on buying treadmills, elliptical machines and exercise bikes.
Treadmills get a bad rap.
Many devoted runners would much prefer to log miles outdoors, where the air is fresh and the scenery is new. There's also that unfortunate nickname — deadmill. But trust us, there's plenty to love about bringing your cardio indoors.
Training on a treadmill, elliptical machine or exercise bike offers a low-impact, convenient means of reaching your health goals. And the latest cardio equipment is outfitted with performance-minded features that help you make the most of your workout.
So give the treadmill — and the elliptical and exercise bike, for that matter — a second chance. Learn more about buying cardio equipment for your home gym with these tips from our experts:
All About Treadmills
Running or walking can be a key component to any effective workout routine. And treadmills allow users to train for a wide range of sports or activities. A veritable gym staple, treadmills help maintain endurance, improve cardiovascular health and torch calories. Plus, they're easy to use and adapt to your fitness needs. Key treadmill components include:
- Motorized treadmills have one motor that drives the belt and another (the lift motor) that raises and lowers the running bed to create an incline. Allow you to set a pace and maintain a consistent speed while working out.
- Treadmill Duty is the amount of power output at which the motor is rated. These motors are specifically designed for treadmill usage.
- Continuous Duty is the amount of continuous motor power that is consistently delivered during heavy usage over an extended period of time.
- The power of your treadmill is typically measured in horsepower. Peak horsepower is the maximum a treadmill can generate for a short period of time.
- Raises the treadmill's running bed for increased resistance
- Mimics walking or running up hills, making your workout more challenging, burning more calories and further increasing muscle tone
- Manual incline means you change the incline yourself. This is typically offered in four different placements, such as 3 percent incline, 5 percent incline, 7 percent incline and 9 percent incline. Treadmills with manual incline are less expensive than those with powered incline.
- Power incline offers you automatic adjustment so you can change the incline while you're walking or running to add variety and challenge to your workout. Power incline is convenient and simple to use.
- Thicker treadmill decks offer more cushioning and comfort to legs and joints.
- Proprietary deck cushioning systems provide superior comfort and impact absorption as you train.
- Belts vary in length, depending on whether the unit is geared more for walkers/joggers or runners.
- Widths range from 16-22 inches. Lengths vary from 45-60 inches.
- For comfort, look for an extended-size deck or belt.
- Most treadmills have a speed setting from 1-10 mph.
- Exercisers often walk, on average, in the 2-4 mph range while runners are in the 5-7 mph range. These figures vary by person.
- Emergency shut-off stops the machine should you fall.
- Some treadmills can only be turned on with a specific key or special code.
- Handrails provide stability.
All About Elliptical Machines
Elliptical machines offer many of the benefits of treadmills, but place less stress on the knees and other joints. These machines move your feet somewhere between the circular motion of a bike and the flat motion of a treadmill, easing joint stress for an effective, low-impact workout. Like treadmills, ellipticals can be customized to dial up speed, resistance and general intensity. There are three types of elliptical machines:
- Makes you move more efficiently by forcing each leg to move in a forward sloping motion with the pedal.
- Optimal for lower-body workouts only.
- The force of one pedal drives the other, forcing your legs to move in the elliptical motion.
- Minimal impact on lower-body joints.
- Includes both foot pedals and rotating arms to maximize workout efficiency
- Trains both legs and arms for a full-body workout.
All About Exercise Bikes
Exercise bikes are the ultimate in low-impact cardio training. They place minimal stress on joints and bones and are an effective workout tool for novices and elite athletes alike. There are two main types of exercise bikes:
- Similar in form and structure to regular cycling bikes.
- Helps provide excellent lower body and cardiovascular workout.
- Upright bikes take up the least amount of space of all types of fitness bikes, fitting into limited spacing areas.
- Allows for more intense workouts than other types of bikes.
- Comes with chair-like seat or "bucket" seat.
- Help promotes more efficient blood flow throughout the body.
- Helps prevents you from "cheating" as you pedal, because you cannot stand up.
Get started putting together your home gym with the complete collection of cardio equipment at DICK'S Sporting Goods.


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Fri, 30 January 2009
Tony Blankley advocates true "American Grit" ...what it will take to survive and win in the 21st American Century. Then, the upcoming Red Flannel Run.. .Kathy Strottman from Riverfront YMCA and Mary Greig fitness practitioner.... lotsa stuff.... Harry Reid said what? Golly.. the Lutherans til we die? Listen. Then, have you ever heard of Bishop Castle? Great story of American individualism.
Direct download: mickelson-2009-01-30.mp3
Category:podcasts -- posted at: 9:01am CST


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Crystal Wands Instruments of Consciousness by Lawrence Stoller
We are now working with Lawrence to create special healing wands exclusively for Exquisitecrystals.com. We will try to have on hand Isis based wands and when possible Dow healing wands. We feel that the quality of the healing wands from Lawrence Stoller is the very best we find anywhere. Lawrence treats the crystals with love, compassion and honors their innate nature when creating these amazing healing tools. While our Brazilian made Vogel wands have very exacting cuts, they are not honored as beings. We prefer the method that Lawrence uses. Following is an article explaining Lawrences' process of creating healing wands. On Crystal Wands Instruments of Consciousness by Lawrence Stoller The crystal wand holds an archetypical niche in the recesses of the human psyche. Over the past few decades, ancient lore has combined with the modern fascination of crystals. From technology, to mineral and art collectors, from healers to shamans and metaphysicians, crystal wands are used as tool and companion. Why? I first became fascinated with crystals in 1983 and have been working with (and cutting) crystals, almost on a daily basis. Thousands of crystals have passed through my hands and studio, allowing me to gain an understanding of the process of transforming a crystal from its rough dormant state, to being dynamic, energized and alive. I use them personally as tools for meditation, as art, for healing, for creating resonance in our home, reality creation, and for exploring mystery. Crystal wands can be experienced from different perspectives: In technology they are sliced into thin wafers, put in an autoclave dipped in a supersaturated solution, and with heat and pressure initiates (re)growth into synthetic crystals, which are then cut again into different configurations for technological applications. Quartz is an oscillator that amplifies, focuses, condenses, and moves energy as a function of its piezoelectric properties. For personal energy work crystals can be used as tools in a similar way as they are used in technology - to move energy. Because crystals are consciousness they can also be enjoyed as companions. Crystal lovers smile, because they experience a quality of beingness generated by an activated crystal. There are many conversations about the geometry of cutting crystals, topics include: maintaining the c-axis of the crystal, cutting them to specific angles to enhance their energetic flow, incorporating sacred geometries, etc. While crystals may look similar, each crystal has its own unique character. Is there one formula for cutting that suits all crystals? Of course not. This would rob the crystal of its individual character and diminish it ability to flow energy. When a crystal is cut specifically to align with its individual nature, you have a powerful tool and companion. As in technology, crystals for personal use are cut into many shapes and configurations and for various purposes. Form follows Function. Some crystals are happy to be cut into crystal balls. Some crystals have "skull energy†and want to express themselves in this form, some large crystals are cut up into smaller pieces, into wands or other shapes. While some crystals are very happy to be cut into crystal balls, not all are. Those who are sensitive to such things can tell immediately if a crystal is harmonically balanced (happy) with the way it is cut. Before cutting I make sure that I have the crystals permission to change its form (after millions of years). This respects the individual nature of the crystal. Often in the cutting process the crystal will suggest a change in shape. Forcing a crystal into a shape can be hard on the cutter as well as the crystal. Thus crystal cutting should be approached with a sense of flexibility, and being attuned to dynamic changes of the crystal. If the nature of the crystal is respected in the cutting process, the finished crystal will awaken, to become a wonderful friend and ally. If we were manufacturing hammers, we would see the hammer as (only) a tool, and manufacture each one from the same static mold. But crystals are a natural life form. And while a crystal can be used as a tool for healing, meditation or resonance work, it also has its own unique properties of beingness. And when cutting, I work with the crystal to respect this individuality. Thus I have found that after working with thousands of crystals, I have never cut 2 exactly the same. By listening to the crystal, I work with it to find it's optimal form. And when a piece is finished and it is expressing its optimal form it is undeniably happy, palpably awake. When finished, if it isn't resonating like a fine tuned instrument, I will often go back and re-tune it to enhance the energy. Quartz crystals grow with an extremely predictable structure. They are unlike any other earth mineral in that each crystal grows with 6 sides, and the natural side faces are always angled 60 degrees from one another. Nature has established an unbending physics in the growth of the quartz crystal lattice structure. Natural tip faces do vary slightly, within a range of a few degrees. A small percentage of crystals grow with a point on each end, or double terminated. These are commonly referred to as healing crystals, though any crystal can be used in the healing process. In a general sense, the tip of a crystal acts like the nozzle on a hose. With pressure the water comes through the hose, when it reaches the nozzle it is condensed tighter, creating more pressure. As you twist the nozzle it will create a tighter stream of water, or when loosened, it will create a broader spray. Same is true for a crystal. The sharper the tip angles, the more condensed the energy that comes from the tip. The only problem with very sharp tip angles on a crystal is that it can easily chip. And what is the actual perceivable difference in the flow of energy between a 26-degree and a 32-degree tip angle? Very few can make this distinction. I have found that in general, the tip angles of crystal wands are happiest when cut between 28 degrees and 32 degrees, as measured by a protractor, from the side face to the tip face. The bottom angles of a double terminated crystal are usually a bit more relaxed at 38 degrees, which is what the DNA blue print the natural crystal is. Note: The 51-degree angle often referenced for crystal wands is actually an awkward way of measuring the crystal, since it measures the bisected crystal and tip angle. This form of measurement is used so as to conform to the angle measurement of the Great Pyramids. But it is the same angle, using a different means of measurement. Using a common protractor, the angle from side face to tip face is 38 degrees, which again, is the natural growth angle of the crystal. It can be said that the Pyramids were designed from the natural geometry of the quartz crystal. Cutting a crystal is very challenging, and takes great care and precision to maintain the natural 60 degree angles that Nature intended. A majority of crystals that are cut have lost the accurate angle configurations in the cutting process because these angels were not respected. Crystal wands are commonly cut in 6, 8, or 12 sided shapes, and sometime more. Each different shape will create a different resonance in the way the energy moves through the crystal. I have found that (for the most part) after 12 sides there is no noticeable energetic difference in cutting more sides to a crystal. In the end, what is most important is how does the crystal feel, is it happy, does it sing, do you resonate with it? If in the cutting process the crystal is respected by precise adherence to the cutting of its angles and polish, and if the form of the crystal is aligned with the nature of the crystal, then you have a wonderfully tuned instrument, an activated crystal. Cared for, respected and used as an instrument to improve the quality of ones life, such a crystal can be a life long tool, companion and friend.
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LAKE BUENA VISTA, Fla. — The Angels acquired another pitcher on the final day of baseball's winter meetings — but not the veteran starter they would like to add to their rotation.
Matt Garza remains high on their shopping list, but General Manager Jerry Dipoto said the Angels do not currently have an offer on the table to any free agent. That also would apply to Raul Ibanez, with whom the Angels have had discussions about filling their vacancy at designated hitter.
On Thursday, however, the Angels added left-handed reliever Brian Moran. The Toronto Blue Jays selected Moran in the Rule 5 draft, then traded him to the Angels for a $244,000 international draft slot.
Moran, 25, went 2-5 with a 3.45 earned-run average for triple-A Tacoma last season, with 85 strikeouts in 63 innings. He held left-handers to a .235 batting average.
Moran would give the Angels a second left-handed bullpen option — beyond Sean Burnett — if they use Hector Santiago in the rotation. That depends on the Angels' ability to sign Garza — or, for a lesser amount, a veteran starter such as Chris Capuano, Jason Hammel or Mike Pelfrey.
The Angels replenished their pitching depth at the meetings. In all, they lost Mark Trumbo but added Moran, Santiago and Tyler Skaggs, enabling them to fill out a starting rotation and stage a spirited competition for bullpen jobs in spring training.
If Moran does not make the major league roster, the Angels must offer him back to the Seattle Mariners, Tacoma's parent club.
Moran's brother, Colin, a third baseman, was selected by the Miami Marlins in the first round of last June's draft. Moran's uncle is B.J. Surhoff, who played 19 seasons for the Milwaukee Brewers, Baltimore Orioles and Atlanta Braves.


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Lucky bamboo house plant
Lucky bamboo is a popular and now widely available plant that many people associate with Feng Shui and good fortune. The ultimate low-maintenance plant, lucky bamboo can be grown in water and can survive under almost any light conditions. Lucky bamboo is believed to bring good luck and fortune when you give it as a gift to friends, family, or co-workers.
Although most often grown in water, lucky bamboo can also be potted in soil. Only one caution about lucky bamboo leaves is that leaves are mildly toxic, so they should not be kept in a place where pets or young children might try to "sample" them.
Lucky bamboo is not really a bamboo but actually a member of the Dracena family, Dracaena sanderiana. This plant brings lively chi energy into your home or office and asks little in return. That's why you find it in office lobbies, on desks, in retail store, as well as in homes. Lucky bamboo plants have a well-earned reputation as nearly indestructible. These tough stalks can survive in vases of water or in soil and under a wide variety of light conditions. Even a poorly kept lucky bamboo plant will live for a long time.
How to Care For Lucky Bamboo
Water: Lucky bamboo can grow indefinitely in a vase filled with at least an inch of water and pebbles for support. However, because it is highly sensitive to chlorine and other chemicals commonly found in tap water it's best to give your lucky bamboo distilled water, or tap water that has been left out for 24 hours to allow the chlorine to evaporate. Change the water weekly. Healthy lucky bamboo roots are red, so don't be concerned if you grow your plant in a glass container and see red roots.
Light: Lucky bamboo prefers bright, filtered sunlight and is more tolerant of too little light than too much. Avoid direct sunlight since it can scorch the leaves.
Temperature: Lucky bamboo likes warmer temperatures of between 65 degrees Fahrenheit and 90 degrees Fahrenheit. Avoid placing your plant in front of air conditioning or heating vents.
Potting: In addition to water, lucky bamboo can be grown in a well-drained, rich potting soil. Keep the soil moist, but avoid soaking it.
Fertilizer: Plants grown in water need fertilizer once every other month, using a single drop of liquid fertilizer. Special lucky bamboo fertilizers are available.
Trimming: When the plant becomes top heavy trim the offshoots with clean trimmers, and avoid cutting the main stalk.
Problems: The most common problems related to lucky bamboo are connected to chlorinated or dirty water. Brown leaves usually indicate polluted water. Dead leaves should never be allowed to rot in the water since this might introduce bacteria. If algae is growing in the water it's usually because the plant is growing in a clear vase, allowing light to penetrate. To solve this problem, switch to an opaque container.


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I'm talking about the town here, not my disposition. It's only a mile from Bondi as the crow flies, but some might say it's a world away. You see, there's a great divide that runs through Sydney. It's called the harbor. And it separates Sydney from North Sydney. That's just geography. More importantly, it separates Bondi Beach in the Eastern Suburbs from Manly Beach in the Northern Beaches. The harbor is full of bull sharks because we're meant to be separated. Because Bondi is better. But the Manly people...they think they're better. And so we're locked in a bitter battle over who's beach is better.
Some might say this is one of those superfluous arguments that can never be resolved. Paris versus London. Melbourne versus Sydney. Coke versus Pepsi. There's no right answer, these people say: just what's better for you. My mom once expressed a similar sentiment when she declared that she liked tie games because it meant nobody lost. She was promptly kicked out of America.
As an unbiased person I thought I'd compare the two combatants across a number of areas. This is a completely impartial comparison even though I lived in Bondi*.
Name: I have to give this one to Manly. After all, the name of the town is Manly. It was actually named for the manly comportment of the aborigines by an officer of the First Fleet. There are only two places that can outdo that name, and they're called Manlier and Manliest. They don't exist yet but I've got my eye on some cheap land in North Dakota and will someday become the Manliest Mayor. Has a ring to it. Bondi, an aborigine word, roughly translates into "the sound the waves make crashing on rocks." Poetic. But not manly. +1 Manly
Beach: Bondi is like the spokesperson for Australian beaches. It's famous and it's got an amazing setting -- curving from the cliffs of North Bondi south to the start of the beautiful Bondi-to-Bronte ocean walk. Whenever an advertiser needs an urban beach scene for a commercial they film it at Bondi. Manly also has a nice beach but it doesn't have quite the iconic setting. It also has a sewage pipe jutting out in the middle. It did have a whale and her calf stop by to play with some swimmers, which is cool, but the calf probably has developmental issues from the sewage now. +1 Bondi
Food/Bar Scene: Manly has a few winners. Some friends are constantly at one of three bars by the wharf and it's got a microbrewery that makes some solid beer. Bondi has actually changed a lot just in the years we've been there. Quite a few small, funky bars and new restaurants have opened up shop. We don't have a brewery but it's only a matter of time before some hipsters open one. Plus we've got Icebergs, which might have the best view in Australia for a bar. +1 Bondi
People: The usual lazy dig against Bondi is that it's "full of Poms and backpackers". That's only partially true. It's actually full of hipsters. Think skin-tight jeans, plaid shirts or deep v-cut oversized t-shirts, Ray Ban Wayfarers, and beanies with a 5 day shadow. Manly seems to be full of tourists, though. And Poms and backpackers as well. Draw
Wildlife: Besides an abundance of Staffordshire dogs in Bondi (all the hipsters buy them; there's seriously no originality when it comes to dog purchases in this part of the country) we've got Flying Foxes in the evening and the lovely sounds of the Kookaburra early in the morning. Manly had those whales, which is nice. But no one likes a retarded whale which is exactly what Manly will have once that calf returns next year. Draw
And that settles it: Bondi wins with 2 points to Manly's 1 point. Sorry Manly, the East is better after all.
*This may be slightly partial after all.


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Monday, July 25, 2011
Am I a photographer?
10 comments:
- AJ said...
Yes, you ARE a photographer Jim! Wonderful collection of photos. I especially love the gazelle shadow on gazelle photo. Many great photos are captures of moments like that. It's good that you had your camera then and snapped a shot before any of the animals moved.
- July 25, 2011 at 12:10 AM
- Jim said...
Just a few I put up to support the post that Mari has done on her site.
I think that all travel bloggers begin to think more about the pictures they take because writing inspires them to look more deeply at the surroundings they are in, and how to convey that to the reader. So you think more about how you're going to write the story and how you are going to photograph the scene. You're really good in both media AJ!
How's your health mate ?
- July 25, 2011 at 12:30 AM
- Rimly said...
You know I loved your photos that were featured in Mari's blog. And these are equally spectacular. You should send these to Mari.
- July 25, 2011 at 1:00 AM
- Corinne Rodrigues said...
Absolutely fantastic, Jim. I love your photography and the narration. You may be right about the travel blogger bit. I see Nelieta's blog too telling a story with pictures supported by narration.
- July 25, 2011 at 5:07 AM
- Mari Sterling Wilbur said...
You are definitely a terrific photographer. I love your narratives that explain the photos. In this post I love the Zebra - it looks like the Zebra is standing next to a mirror!:D The antelope is beautiful and the shadow almost looks like a graceful tattoo. I'm hoping you'll be a guest photographer on my blog again soon. It was an honor to have you!
- July 25, 2011 at 2:38 PM
- Mari Sterling Wilbur said...
Oh! And thank you for the nice comments about my blog - I appreciate your enthusiasm.
- July 25, 2011 at 2:39 PM
- Jim said...
Hi Rimly, thanks for the comments. I love your writings also, always touching the soul!.
Yes Corrine , I think like you - the best travel stories have a balance between a good photo and good narration, and leaving some things to the reader's imagination.
- July 25, 2011 at 3:35 PM
- Kevin craig said...
Hello jim you are a very good photographer.All your photos are awesome I like most Brandberg Mountain, Namibia looking so beautiful .Thank you very much for sharing .
- July 27, 2011 at 4:42 AM
- cath said...
I always enjoy your photos Jim. You have an excellent eye and perspective. And while I am not a professional photographer and can't give you advice on the technical aspects, I do have an artist's eye, and say keep up the good work! Your photos tell wonderful stories.
Twitter me @jonesbabie
- August 4, 2011 at 5:32 AM
- Jools Stone said...
Beautiful. Think the Impala one is my fave, very clever shadow, almost like you've given him a little tattoo!
- November 20, 2011 at 1:33 AM


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leonstafford necesitaba un nuevo diseño de página web y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 36 diseños de 12 diseñadores freelance.
Beijing Car Service
Beijing Car Service provides professional English speaking drivers that are careful, courteous and highly trained that will chauffeur you to your destination quickly, safely and stress-free!! We service the city of Beijing as well as the nearby city of Tianjin and the province of Hebei.
We will customize the main theme concept ourselves to suit each page in the site, though we will look highly upon candidates who offer to include such samples in their designs.
The current site is very outdated:
We tried to redo on this development site, but are unhappy with the results:
We are looking for capable designers who can read our design brief and understand what we need, even if we don't know ourselves yet!
Desired functions of new website design:
- high impact theme
- instant recognition of what service is offered to customers
- professional looking, while maintaing image of being a "local service"
- easily readable font sizes
- efficient use of space on page to deliver the most content in initial viewport
- optimized for minimum 1000px width, 600px height and scaling "gracefully" for large/wide monitors (does not need to be fluid layout, but can be)
- creative use of CSS sprites to keep page assets minimal
- externally linked CSS + JS assets
- standards compliant and cross-browser compatible, clean and commented CSS/xHTML
We will be taking the winning design and slightly modifying for additional regional cities we service. The winning candidate may be given preference for additional header/logo design work for subsequent sites (extra incentive to do well on this one!).


text: NAIC Summer 2016 National Meeting: key developments Insurance Alert Share this 7 SEP 2016 The National Association of Insurance Commissioners Summer National Meeting, held on August 24 - 28 in San Diego, produced a number of noteworthy developments related to international, financial, and other regulatory matters. Many of these matters are interconnected on both public policy and technical grounds and involve a mixture of domestic and international political issues. The next several months appear likely to be a dynamic and fluid period of time for US and international regulators as well as for insurers whose business prospects can be deeply affected by regulatory changes − particularly those discussed in this report. The most significant developments were: INTERNATIONAL ISSUES It is well known, by now, that the globalization of the insurance industry has led to the globalization of insurance regulation. The industry is becoming increasingly subject to international regulatory requirements and global regulators are now required to manage important relationships with their counterparts in other countries. This is not always seamless. The importance of international regulatory cooperation and the tension that can arise from it was evident during the meeting. Most significantly, as the European Union begins to implement Solvency II, the NAIC and a number of US companies view European regulators to be increasingly demanding on US firms doing business in Europe through subsidiaries, branches, or on a cross-border basis. Most of these issues arise because the US has not been deemed an "equivalent" regulatory jurisdiction under Solvency II. As the NAIC President, Director John Huff, stated in his Opening Session speech, "we have seen some key jurisdictions imposing additional, potentially discriminatory, requirements on US insurers." He added that the NAIC has "worked in good faith and with thoughtful regulatory restraint to roll back collateral requirements for firms from many of these very same EU jurisdictions." President Huff went on to express the NAIC's dissatisfaction with the attempt by the US Department of Treasury and US Trade Representative to address this disparity through a covered agreement, which the NAIC has long opposed both substantively and procedurally. The NAIC objects to what it considers to be a lack of transparency with, and an unwillingness to seek input from, state regulators by the federal officials handling the covered agreement negotiations. These themes from President Huff's speech resonated in a number of other Committee, Task Force, and Working Group meetings. The most direct development tied to President Huff's remarks was a panel consisting of representatives from Chubb, CNA, Liberty Mutual, RGA and Transatlantic Re that the International Insurance Relations (G) Committee convened during its meeting. The panel provided committee members with examples of new requirements and restrictions that European regulators (the UK PRA and German BaFin, in particular) have imposed on them. The industry representatives were unanimous in the view that it is important to resolve pending issues between the EU and the US and, in particular, for the US to be granted equivalence under Solvency II. The committee did not discuss what the NAIC or individual states might do in response to these developments, but as discussed below, activities during other parts of the Summer Meeting indicate that the NAIC leadership and membership are seriously concerned about these developments. For example, the Reinsurance Task Force requested its Qualified Jurisdiction Working Group to study and report on European Union member state implementation of Solvency II and its potential impact on Qualified Jurisdiction status. In addition, the Reinsurance Task Force held its own panel discussion regarding the actions EU regulators have taken that have adversely affected US and other non-EU reinsurers. A second major international activity is the ongoing effort by the ComFrame Development and Analysis Working Group (affectionately, the CDAWG) to develop the NAIC's comments in response to the International Association of Insurance Supervisors' "Global Insurance Capital Standard Version 1.0" (the ICS) consultation document. The Working Group redistributed an outline dated August 15, 2016 of its proposed comments to the consultation. This outline contains several items that are in many respects highly critical of a number of the technical positions currently reflected in the ICS and, on the other hand, very supportive of positions that have previously been expressed by many US stakeholders, such as how subordinated and senior debt should be treated for purposes of qualifying capital. CDAWG is planning an in-person public meeting on September 27, 2016 in Washington, DC to continue working on its comments. The ICS will ultimately be included in the IAIS's ComFrame document. At an NAIC & IAIS Secretariat Q & A Session, Peter Windsor from the IAIS explained that the IAIS has decided to rewrite the format of ComFrame, as it currently exists, departing from the current structure of having three elements, several modules within those elements, and parameters and guidelines containing ComFrame's detailed terms and conditions. In its place, ComFrame will be folded into the existing Insurance Core Principles (ICPs). Ostensibly, this is being done in order to clarify the position of ComFrame proponents that ComFrame is based upon the ICPs and logically extends them to Internationally Active Insurance Groups. Some interested parties (including some US regulators) are not so sure about this intent, expressing concerns that making ComFrame a part of the ICPs will increase the risk that ComFrame will eventually become an FSAP standard. Regulators and interested parties also discussed briefly a stakeholder session to be held on September 27, 2016 in Basel, to discuss the IAIS plan to have a consultation on new guidance it is developing on the subject of resolution and recovery planning by supervisors and insurers. Materials are being developed for inclusion on this topic in both the ICPs and ComFrame and, based on previous remarks by the IAIS, will apply to all insurers, subject to the principle of proportionality. This could have a significant impact on insurers if the requirements tilt more toward the approach that federal regulators have already taken in connection with the resolution plans for systemically important insurers. FINANCIAL REGULATORY DEVELOPMENTS The NAIC's dissatisfaction with the covered agreement negotiations emerged in a very real way during the Financial Condition (E) Committee meeting, at which the Committee Chair, Superintendent Eric Cioppa, unveiled the NAIC's intent to engage in "contingency planning" in order to consider alternatives to collateral if the outcome of the covered agreement negotiations is that there must be "zero collateral." The NAIC is considering three options: 1) expand the certified reinsurer process; 2) develop an RBC charge to be applied if a reinsurer has posted zero collateral; and 3) require all non-US reinsurers to file financial information with the NAIC under the terms of a new model law. During the discussion on this topic, Texas Commissioner David Mattax made the suggestion that perhaps the NAIC needs to reconsider its entire credit for reinsurance system. None of the regulators said anything to disagree with that idea. Interested parties from the RAA and the AIA were quick to point out that any such initiative would require an enormous effort. The upshot of this discussion is that at least some US regulators think the use of collateral and the concept of credit for reinsurance should be replaced with a different system. Next steps were not announced. The NAIC's disagreement with actions by foreign regulators is also part of the motivation for the work being done by the Group Capital Calculation Working Group. Launched late last year, the Working Group is in the process of constructing a US group capital calculation tool using an RBC aggregation methodology, which is now being referred to as the Inventory Method. When this goal was introduced, some interested parties saw it as possibly being a valid alternative to the ICS. To the dismay of some interested parties, however, the Working Group is struggling to find the correct balance between simplicity and accuracy in executing its charge. Currently, that struggle is focused on three specific issues: the factor to be used for non-insurance entities that are not subject to other capital requirements; the treatment of non-insurance entities that are subject to capital requirements; and the use of scalars for non-US insurers. During the Summer Meeting, NAIC staff presented a list of eight questions for discussion on these issues (to which a ninth question was added during the meeting). Although some regulators pushed the industry to try to respond quickly to these questions, interested parties who prefer a slower, more deliberate approach were successful in obtaining a sixty day comment period. At this rate, it is doubtful the calculation tool will be ready for at least two or three years. Four other financial regulatory issues of note occurred during the Summer Meeting. Local state deposits: During the Receivership and Insolvency Task Force meeting, the members were told the Capital Adequacy Task Force is seeking the input from other NAIC Committees, Task Forces, and Working Groups on whether there should be a new "restricted asset" capital charge for assets that insurers place on deposit with state officials "for the benefit of all policyholders" (i.e., not just those in the state that holds the deposit) in the event of an insolvency. Evidently, some regulators think the charge may be necessary to reflect the fact that the release of these deposits is often delayed. While access to deposits may be a problem facing insurance receiverships, it is puzzling that regulators are suggesting a capital risk charge as a possible response to the problem rather than directly addressing the causes of the delays in some states in releasing deposits in the first place. ERM reports: At the Group Solvency Issues Working Group, members discussed a survey in which only three states reported that the information contained in the industry's enterprise risk management (Form F) reports is "very effective" or "effective." The Working Group solicited comment from the industry about how to address this problem, but received little feedback. In reaction, the Working Group will now develop more detailed instructions for insurer use in completing Form F filings through a guidance manual that will be reviewed and considered by the Working Group. Interested parties will need to be watchful to ensure that any such new guidance does not establish new substantive requirements beyond the scope of the holding company model act and regulation. Infrastructure investments: The Valuation of Securities Task Force held a special session to explore the topic of infrastructure investments. The Task Force Chairwoman, Director Anne Melissa Dowling, highlighted the growing need for investing in the nation's infrastructure and noted that various national and international organizations have identified this growing need as a natural fit for insurance companies (especially life insurers), given the long-term nature of many infrastructure investments and the long duration of life insurer liabilities. The purpose of the special meeting was to identify and evaluate any potential impediments to insurers participating in infrastructure projects, and then respond with responsible solutions that do not encourage or improperly incentivize insurers to do anything that does not make sense from an investment perspective or is not financially prudent. The meeting was organized into four panels to discuss the issue from different perspectives: actuarial, insurance industry, rating agencies, and consumer. Panelists expressed a consensus that: (i) infrastructure investments are needed; (ii) various forms of infrastructure projects exist which need private capital investment; (iii) infrastructure investments provide lower default risk than other types of investments; and (iv) insurance companies already find some of these investments attractive, but their ability to make such investments is hindered by having limited access to such investments or by encountering regulatory impediments. Some panelists suggested that the Task Force consider adjusting the RBC charge as a way to stimulate further activity by insurance companies in such infrastructure investments. Although the agenda of the meeting included a discussion of next steps, the Task Force did not discuss future plans or take any official action, but nevertheless appeared interested in continuing the discussion. Codification of AG 48: Essentially finishing the NAIC's efforts to reform the use of life insurance reserve financing methods that many regulators find troubling, the Reinsurance Task Force adopted the Term and Universal Life Insurance Reserve Financing Model Regulation, which, in effect, codifies existing standards governing Triple X and A Triple X captives currently contained in AG 48. Regulators and interested parties (on both sides of the issue) pronounced the Model Regulation to be an acceptable and workable compromise. NAIC staff will prepare a project history memorandum to be submitted along with the Model Regulation for consideration by NAIC members as the new model works its way to formal adoption by the full NAIC. As is the case in all NAIC models, the focus now turns to what the handful of states in which these reserving transactions occur (i.e., the states where insurers that cede the risks, and the captives that reinsure them, are located) will do to adopt and enforce this new regulation. Finally, one matter that did not involve international or financial condition regulatory issues received considerable attention from many attendees. The Cybersecurity Task Force met to update regulators and interested parties on various cybersecurity topics. The Task Force announced that the Commission on Enhancing National Cybersecurity issued a request for information to gather data from stakeholders on a variety of cybersecurity issues, including on the topic of cybersecurity insurance (due September 9). The highlight of the meeting, though, was a discussion of the revised draft of the Insurance Data Security Model Law (the Model Law), which was released for comment on August 17. The purpose of the Model Law is "establish the exclusive standards in [the] state for data security and investigation and notification of a data breach applicable to licensees." "Licensee" is defined under the Model Law as "any person or entity licensed, authorized to operate, or registered pursuant to insurance laws of [the] state." An updated version of the Model Law, dated as of August 17, was distributed in the meeting materials, after the Task Force had received over 40 comment letters from industry, trade associations, and consumer representatives to a version of the Model released last March. Nevertheless, this updated version did not appear to garner support from those who submitted comments. In fact, so many interested persons wanted to share their objections to the revised Model Law that Chairman Adam Hamm had to limit each commenter to two minutes. Representatives from the ACLI, AIA, PCI, RAA, and the IIABA and other agents/brokers organizations objected to (among other things): the potential for lack of uniformity due to the broad grant of authority to insurance commissioners the lack of clarity regarding the timing and content of breach notification unclear definitions of terms, such as the term "personal information," and the use of vague, undefined terms such as "state of the art techniques" These commenters implored the Task Force to spend more time reworking the draft. The common message was that the revised Model Law was not workable and that various industry groups would vigorously oppose the Model Law in the states if the NAIC adopted it as written. The comment period for the Model Law ends at the close of business on September 16. After the deadline, a conference call will be scheduled. Chairman Hamm invited all interested parties to present their concerns. Chairman Hamm also noted his goal to finalize the Model Law by the December National Meeting. Once the Task Force adopts the Model Law, it will go straight to the Executive Committee for action, then on to the Executive and Plenary Joint Committee for adoption as an official NAIC model law. Find out more about these developments by contacting: William Marcoux Stephen Schwab Peter Rice David Brummond Kathleen Birrane Carla Small Cliff Roberti


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This blog discusses current weather, weather prediction, climate issues, and other topics
Monday, February 9, 2009
7 PM Update
As per the earlier forecast, a new Puget Sound convergence zone has formed over north Seattle. There are heavy showers, some with small hail pellets, and even some lightning (my dog is in hiding now). The radar shows this well (image) as does the surface chart (image). Temperatures are a little warm for snow in most locations, but in the most intense areas, wet snow could reach the surface. And strong thunderstorms can produce lots of soft hail, ice pellets, or graupel that can turn the ground white anyway.
25 comments:
Is it suppose to drift south Cliff?
- February 9, 2009 at 6:52 PM
- andycottle said...
I`ll be the second one to post in this blog..
Hello guys! :o)
A cool day here today with high of 41 and low of 31. Currrntly having a light rain/snow pellet mix. But here`s the catch....or maybe not the catch....I saw a a bright flash of lightning off to my SW with loud rumble of thunder! at about 645pm. The say thing is....I missed getting the lightning on my camera but think i might of gotten some of the thunder on it.
Right now I have 34 with dp at 31
- February 9, 2009 at 6:54 PM
that was graupel, not hail.
- February 9, 2009 at 6:55 PM
- andycottle said...
Ignore my first post. made a few typos`s
Hello guys!
A cool day here today with high of 41 and low of 31. Currently having a light rain/snow pellet mix. But here`s the catch....or maybe not the catch....I saw a a bright flash of lightning off to my SW with loud rumble of thunder at about 645pm. The sad thing is....I missed getting the lightning on my camera but think I might of gotten some of the thunder on it.
Right now I have 34 with dp at 31
- February 9, 2009 at 6:56 PM
- WeatherNerd said...
You saved yourself, I was ready to jump on your typos. Just kidding! :)
I live in Totem Lake and am just on the southern edge of The Zone right now. Started out as hail, changed to almost pea sized graupel and now is very small graupel. It's coming down hard enough to bring the temp down 3 degrees in the past half hour and is beginning to coat everything, including the roads.
- February 9, 2009 at 7:09 PM
- JayDee said...
Sleet in Alki...well, it ain't snow...
- February 9, 2009 at 7:10 PM
Definitely snowing here in North Seattle at 137th near 99. Big flakes and coming down pretty hard. There's at least a half inch so far.
- February 9, 2009 at 7:32 PM
In West Seattle in the past 15 minutes we had heavy downpours of hail and sleet leaving a heavy coating all over the roads and grass. Now its moderately snowing with a temp of 35 degrees. Any idea at how much snow we're gonna get from this cliff?
- February 9, 2009 at 7:37 PM
It's changed to definite snow here, too (NE Seattle) at 7pm. Nice (wet) medium sized flakes. Now I have to go look up "graupel".
- February 9, 2009 at 7:38 PM
2 inches here in N. Edmonds
- February 9, 2009 at 7:40 PM
- andycottle said...
Hi WestherNerd. Yeah, I caught my self....lol! :o)
- February 9, 2009 at 7:41 PM
- andycottle said...
Guys here a short vid I took of an ice pellet shower at Molbaks that occurred shortly before 6pm this evening. The shower only lasted maybe a couple minutes, but was nice to see while it lasted.
- February 9, 2009 at 7:43 PM
- andycottle said...
Also... lightly snowing here with 32 and dp at 30. Trace of snow so far today/ this evening.
- February 9, 2009 at 7:45 PM
An hour of very small pellets, but
now snow. Snowing pretty hard, big clusters quite a few an inch or larger here in MLT, accumulating at
maybe an inch an hour, but just
a quarter inch in the last twenty
minutes or so.
- February 9, 2009 at 7:47 PM
83 with an east wind coming of the mountains. RH 25% here in Bellingham. Clear all the way out to Vancouver Island.
- February 9, 2009 at 7:53 PM
just kidding!
- February 9, 2009 at 7:53 PM
Did the same as early this morning here, Trace on the concrete up to an inch on the car tops. Looks like it is over with, just some flurries now. Enough for a good snowball fight though.
- February 9, 2009 at 8:12 PM
Andy -- with all due respect, I don't think most people really care that much.
I'm just disappointed that Cliff's forecast was so vague.
- February 9, 2009 at 8:15 PM
Fascinating how Seattle is in the bullseye of the convergence zone tonight and completely shadowed at other times.
Soft, snowy hail earlier, one lightning flash (so typical!), and then some light snow. It's over now, and we got just a light dusting at Crown Hill, 335 ft.
- February 9, 2009 at 8:24 PM
- JayDee said...
Just normal rain now at Alki...which isn't bad.
- February 9, 2009 at 8:25 PM
- andycottle said...
Well if they don`t care about the snow amount that there place, than so be it. Let others take interest in it..
- February 9, 2009 at 8:33 PM
- andycottle said...
Tue 1pm NAM. | This model shows some light snow amounts over central sound for early tomorrow morning through early afternoon time frame. 1000ft temps appear to be in the low-mid 30`s with SELY winds, so precip will likely remain light. However, the WRF-GFS shows us central sound folks to be pretty dry with no snow falling over out area. Even in precip mode, it appears dry for us during the ''10am'' period. Though the model could be wrong about precip, it could still be cool enough support snow on the higher hills with SELY flow at 925mb and temps of -3 or -4c. However 850mb winds show SSWLY winds with temps there of about -2 or -3c. So could start out as snow or some other type of mix when and if precip falls over the central sound region before turning to rain over the lowlands during the afternoon hours. Should also note that in looking at the temps just above the surface, the 1000ft temps for tomorrow over central sounds basically stay in the mid 30`s(34, 35) with 2000ft temps being the lower 30`s(31-33) for the morning and much of the afternoon over the central sound region with SELY flow. So again and as stated. Could see snow over with precip arrives or just a mix. But will likely depend on precip intensity, temperature, and elevation.
10am Tue WRF-GFS.
- February 9, 2009 at 8:34 PM
- paintlover said...
32 in Enumclaw....left over light dusting from this afternoon....but wishing, wondering, and HOPING if we will get any for tomorrow.
- February 9, 2009 at 8:36 PM
Olympia missed it all! Not even a clue that it was snowing just 60 miles away.
- February 9, 2009 at 9:10 PM
Glad to hear I'm not the only one with a chicken dog when it comes to weather. Let's hope there's no thunder with the snow - last time it happened I was awakened by something wet on my face - yes, a terrified and drooling dog, staring at me in hopes of waking me up!
Thanks for writing an informative and fun blog, and for all the pretty pictures!
- February 9, 2009 at 10:18 PM


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I am so grateful that my husband Andy is in charge of the orchard. Fruit tree maintenance, I am convinced, is an art. There are details to pruning that can make or break good fruit set, branch structure and ability to pick when the limbs are laden with ripe fruit. While I understand the basics, I am glad Andy is the one that executes the task.
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text: The Little Things Count June 4, 2014 03:39 AM Tweet Bees create an estimated $15 billion in agriculture crop value each year in the U.S. alone. Globally that is $363 billion in crop value. TAGS: Marketing, Overseas December 18, 2014 By Wyatt Bechtel Drovers Associate Editor Email Bees and microbes play a major role in the success of agriculture producers. It's the little things — like bees and microbes — that help feed the world. According to Becky Timmons, global director of applications research and quality assurance at Alltech, these two naturally occurring organisms will play a crucial role in feeding the world's growing population. In order to feed 9 billion people by 2050 agricultural yields need to increase 75 to 100%, Timmons shared during the closing session of the 30th Alltech Symposium in Lexington, Ky., last month. "Without microbes there would be no plants or animals," Timmons says. Biodiversity from microorganisms like bacteria, fungi and viruses each plays different roles to help shape the world microscopically. For instance, 1 gram of soil can contain up to 10,000 different species of bacteria, many of which contribute to bringing nutrients to plants. However, not all bacteria are good. Orange growers in Florida are currently threatened by a bacteria being spread from insects originating in Asia. "They are trying to control it by spraying more pesticides to kill the insect, but they can't really do anything about the bacteria," Timmons adds. Other microbes could be the answer to controlling the spread of these types of problems. People tend to think that viruses are all bad, but Timmons indicates that in times of drought viruses have been known to protect plants. Another tiny contributor for farmers and ranchers are bees. The flying insects are sometimes vilified because of their tendency to sting people and annoying buzzing sound, but the power of pollination is enough to keep bees in high praise. Here are some statistics that Timmons outlined when it pertains to bees: The average honey bee lives for about a month and the lifespan can range from one day to two years. A hive of bees must fly about 55,000 miles to make 1 lb. of honey. In China, there are 6 million different colonies of bees and 200,000 beekeepers. One hive of honey bees visits approximately 250,000 flowers per day. One out of every three bites taken by American consumers is directly or indirectly affected by bees. Bees create an estimated $15 billion in agriculture crop value each year in the U.S. alone. Globally that is $363 billion in crop value. Timmons notes that 90 percent of the crops consumed come from 12 different crops, like corn, wheat and rice, most of which are self-pollinating. However, bees are important for pollination in plants like alfalfa that are found in livestock diets, cover crops such as legumes that create nitrogen, oil seed crops or plants that are in ditches which decrease erosion. "When you start thinking about that you realize how important bees are and the flower sources are for them," Timmons says. Colony Collapse Disorder has been killing bees globally and is a problem that will need to be addressed to help maintain production. Since 2006, beekeepers have been losing one out of three hives per year on average. With most health problems bees have there will always be dead bees around the hive, but with Colony Collapse Disorder there are no bees to be found. Timmons believes there are many culprits that could be to blame for Colony Collapse Disorder: Pesticides: They are absorbed by plants into their vascular system and get into the soil. Bees ingest them at a sub-lethal level, and the pesticide acts as a nerve agent. Parasites: Varroa mite, an external parasite. Nosema, a unicellular parasite that has been reclassified as a fungus. Urbanization: As bees' food sources are taken away it becomes more difficult for them to reproduce and stay healthy. Monocrops: Monocropping creates a challenging environment for bees because it provides only a seasonal food source and no diversity. "What can we do to help?" Timmons questions about saving bees. "First of all you can join the public outcry from the people who are protesting, but there are other things you can do." Limiting the use of pesticides is one step that can be taken. Timmons says producers don't need to eliminate all use of pesticides, just reduce the amount of usage. Planting more wild flowers, trees and hedges is a natural solution that will increase the amount and variety of plants bees can pollinate from. Back to news


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Wednesday, February 06, 2013 • San Francisco, CA 94107
Emerging from Yu (a Tao term for being) assembling with the English word for balance (equilibrium, steadiness) is a philosophical approach to attaining sustainable lifelong wellness. In a culture fixated on instant gratification,YuBalance offers a pragmatic means to realizing your health and fitness requirements. Becoming a health conscious person for life isn't going to happen in two weeks or 90 days. Wellness is not a fad or an extreme challenge to be conquered (or failed) then forgotten. Wellness is a lifelong endeavor; one that requires patience, commitment and self-awareness.


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Information by Country
Madagascar: Background
According to the Ministry of Education, the net enrolment rate increased from 76.5 per cent in 2001-2002 to 97 per cent in 2005-2006. However, household survey1 data indicate a net enrolment rate of 67 per cent for 2004-2005.2 The Ministry of Education has not determined official gender-disaggregated gross or net enrolment rates, but the gender gap is estimated to be minimal for enrolment and non-existent in terms of completion rates.
The Madagascar Action Plan emphasizes the need to ensure the enrolment of all children, significantly improve the completion rate (from 57 per cent in 2006 to 95 per cent in 2012) and reduce the repetition rate (from 20 per cent in 2006 to 10 per cent in 2012), in line with Education for All and the Millennium Development Goals. The Ministry of Education updated the countrys Education for All plan and should be eligible to access a second installment of catalytic funds during 2007 as part of the Fast Track Initiative.
Girls education initiative
UNGEI was launched in Madagascar in 2005 with the aim of bringing gender issues into the mainstream of planning and policy, improving the quality of education for girls and boys, and advocating for specific actions in regions with high gender gaps.
Led by UNICEF, in support of the Ministry of Education and the Ministry of Population, partners at the national level include: Forum for African Women Educationalists (FAWE), Orange Madagascar, UN Development Programme, UNESCO, UNAIDS, US Peace Corps. At the community level, the UNGEI committee is composed by members of CISCO, the Mayors office, the Ministry of Population and the Womens Association.
Barriers to girls education
Key barriers to girls education include:
- Poverty and parents perceptions regarding the value of education.
- Cultural and economic factors affecting adolescents, such as child marriage and child labour.
- Poor quality of education, aggravating the trade-offs parents face between education and supplementary household income.
UNGEI in action
UNGEI in Madagascar is an advocate for action in regions where gender gaps in education persist. In 2006, UNGEI commissioned a series of studies to identify factors affecting girls education in these regions and to propose more gender-sensitive curricula. A girl-to-girl strategy, pairing older girls (big sisters) with younger girls, provides a peer support network that helps younger girls stay in school. Parents and local authorities have been sensitized to the special protection needs of girls.
Since 2002, the Ministry of Education has made primary school registration free of charge, and it has been distributing school kits to all new first grade students since 2003. These two measures have fundamentally contributed to boosting the enrolment level. Primary school enrolment jumped from 2.4 million in school year 2001-2002 to nearly 3.6 million in 2004-2005.
Primary education has been extended from five years to seven years so that children have a stronger foundation in learning basic competencies, as well as being able to continue seven years of education in their home village.
To improve quality, a Competency-based Approach has been introduced that aims to ensure children acquire competencies useful in real-life situations. This is carried out with the enhanced participation of stakeholders through the Contract Programme for School Success, through school mapping and through provision of school canteens.
UNGEI within other national and international frameworks
Members of the UNGEI group advocate for gender mainstreaming in the discussions concerning the following frameworks:
- Madagascar Action Plan (the countrys poverty-reduction strategy).
- Fast-Track Initiative, which Madagascar accessed in 2005.
- Common Country Assessment, carried out in 2003.
- UN Development Assistance Framework 2005-2009, which is focused on providing quality education for all at the primary level, as well as on providing literacy programmes.
In addition, girls education is included in the national Education Action Plan.
1 UNICEF, Enquête Permanente auprès des Ménages, 2005.
2 The divergence could be explained by differences in age-specific populations as estimated by the two sources, as well as by inconsistencies in how enrolment status is recorded.


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Count Roman Hamrlik as another player who has had enough of the labor stoppage, except he is frustrated with NHLPA executive director Donald Fehr.
In a Czech-language interview translated and published on Yahoo! Sports' Puck Daddy hockey blog, Hamrlik, a 38-year-old defenseman for the Washington Capitals, said that the players should have been able to vote on the league's proposal.
"I am disgusted. We have to push Fehr to the wall to get the deal. Time is against us. We lost (a quarter of the) season, it is $425 million. Who will give it back to us? Mr. Fehr?" Hamrlik was quoted as saying.
"There should be voting between players. Four questions—YES or NO—then count it. If half of players say let's play, then they should sign new CBA. If there is no season he should leave and we will find someone new. Time is our enemy."
Hamrlik's words sparked plenty of responses from fellow NHLPA members, most of whom disagreed with his assessment. Montreal Canadiens forward Erik Cole called Hamrlik's comments "the most selfish thing I've heard during the lockout."
Hamrlik told The Globe and Mail on Thursday that he will support whatever the players decide but he was not going to take back his comments.
"This is nothing against any of the players," Hamrlik said. "I stand with them. We are all together in this. And we want a great deal. A fair deal. Everybody's losing in this right now. Owners, players, fans.
"The fans are the reason for hockey. Some cities won't be able to recover their fans for future seasons. I just want to say I've been in the league for 20 years and faced three lockouts and there's only 14 other guys that have done that. I believe I've earned the right to say what I think.
"If someone thinks I'm selfish, I may be, but it's selfish to play hockey. Like everybody else, I want to win the (Stanley) Cup with the Capitals, or at least have a chance."
At least one player agreed with Hamrlik's statements: Capitals goaltender and teammate Michal Neuvirth.
"I agree 100 percent with Hammer," Neuvirth told TVA Nova Sport of the Czech Republic. "This lockout is not about majority of players, I think. It is about several superstars with big contracts."
In his interview with The Globe and Mail, Hamrlik added that he is no fan of NHL commissioner Gary Bettman. He also expressed disappointment that negotiations didn't start until July.
"Bettman, he is who he is. I don't like him. But there's no time. We're losing time. If we started in January, we have six, seven months to make a deal," Hamrlik said. "I'm not going against the players. I am with the players. But I'm just talking from my experience. That's all."
The lockout entered its 68th day on Thursday.


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Every body likes fit people either if it's a woman or a man. It's healthy and looks good. Also you can make everything you wear work with a fit body.
So here are some cool fitness/gym apps for iOS.
PS: As an advice (please) do not look like you are inflated. Just keep your shape.
Abs Workout
7 min workout challenge is still showing as £1.49 in the App Store, but if you download the Apple Store app, it's available for free from the home page. You just redeem a code. - Until Feb 2014
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