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The Perfect Game Plan: Coming Off The Line
Image Source
Day 19
A half-hearted commitment is no commitment.
READ: Mark 10:17-23
With just minutes to go, the Stags went for broke, throwing everyone forward, including the goalkeeper, in order to keep their hopes alive. Shoving and tugging, the players fought to position themselves for the corner kick.
The Rhino goalkeeper came for the ball, then changed his mind and started retreating as players rose to meet it. But it managed to evade them all and fell to Fathi Sunny, the smallest man on the pitch, who sneaked in behind the struggling bodies and thumped in an unstoppable header past the stranded keeper.
Changing your mind after coming off the line can be disastrous. The rich young ruler in Mark 10:17-23 found that out when he looked for Jesus, seeking to inherit eternal life. He had lived a moral life and believed his wealth was a sign of God's approval (vv. 19-20). He thought all he needed to do was just a little more good and heaven would be assured. Could Jesus help?
But he was challenged by Jesus to give away the symbol of his confidence—his wealth (v.21). Human efforts can never satisfy God and earn us eternal life. That is why life everlasting is a gift from God. The young ruler needed to follow Jesus.
Sadly, he "came off his line" to meet Jesus but left empty-handed. How would you respond?
The Uruguayan team is known by another name. Name it. Who was the Italian player whose missed penalty in 1994 led to Brazil winning the World Cup for the fourth time?

subset: commoncrawl


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Ms. Ha, parent of a camper named Trung Anh (2014)
Ms. Ha, parent of a camper named Trung Anh (2014)
I'd like to extend my gratitude to APC's staff for your great ideas and thorough management. I am thankful for my child to have opportunities for networking, learning, and challenging himself.
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Ms. Lan Anh, parent of a camper named Trieu Duong (2014)
Welcoming my son back home, hearing his stories, and viewing pictures made us regretful that one week session had gone so fast. Many thanks to APC for designing such an amazing summer camp.
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Ms. Thao, parent of a camper named Nhat Thanh (2014)
APC has left a positive impact on my son. The first day after returning home, he told me about all the fun he had at camp. He told me about the camp activities 6 times in the first day and a half after being back home.
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Ms. Thu, parent of a camper named Ngan Ha (2015)
Dear Mr. Paul & APC.Summer 2015 is a very special summer for my daughter, Mai Ngan Ha – Cabin Zion. After camping, she has changed so much because she spent many experiences in the camp.
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Ms. Phuong, parent of campers named Phuong Khoi & Phuong Mi (2015)
Dear Paul and All at APC Camp. My kids – Phuong Khoi & Phuong Mi [Session 5B] are still telling us nice stories about their experience at the camp. Especially Phuong Khoi – he almost turns to tears when I read him your letter!
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Mr. Dung, parent of a camper named Long Vu (2015)
Dear Sir and APC team. I want to say THANKS to all of you for all the best things at APC ' 15 for my son, he had a nice summer with new friends, activities, and you and he always smile when telling of what was experienced at camp.He always remembers and looks forward to seeing you again.
Best wishes to all of you.
Ms. Sheree Jarman, parent of a camper named Amy Jarman from Australia (2016)
Amy had such a great time. She was super excited when she learnt a girl from last year was there who she met and she made a new friend too and they are planning to email each other to meet up next year.
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Ms. Saowapa, parent of a camper named Wanfahsai Sompornphan from Thailand (2016)
I sent my daughter from Thailand to join your camp for two-week period. I think it is worth the time and money. She is out of her comfort zone, doing things that she might not always love to.
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Valentine, trại sinh từ Pháp (2014)
Chloé and I are having so much fun! We made lots of new friends and the food is so good (Best canteen ever ++).
Toledo, trại sinh từ Việt Nam (2014)
Unforgetable memories. Love my Yellowstone cabin and my counselors. I love this camp so much!
Jenny, trại sinh từ Việt Nam (2014)
I wasn't sure about my feelings towards APC at first because of homesickness but as the days passed I really enjoyed my time there and I wish I could have stayed for longer than 1 week. The counselors are amazing! They're so nice, supportive, and cool. I'll definitely be coming back next year!
Ekaterina, trại sinh từ Nga (2014)
The weekend excursion is very wonderful. On Saturday, counselors bring me to the museum and on Sunday I play golf. There is so much fun there.
Tam Le, trại sinh từ Việt Nam (2016)
American Paradise camp is the best camp. l ẹnjoyed the games, activities and made new friends there.
Lưu Vi Quân – Trại sinh từ Việt Nam (2015)
The best camp ever! Caring and nice counselors, fun activity… great memories! I'm sure I brought back home all the memories at camp, hope that I can go next year.


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Our Ministries
Heron Park Baptist Church has an engaging and active congregation. We have a number of groups within the church for people to get involved and share their gifts. We also work with many other groups outside our church, both locally and internationally so that we as a congregation can get involved in helping our community and our world. If you click on the links below you can learn more about our ministry partners.
Local Church Ministries
Sunday Worship
Mid-Week Bible Study
Women of Faith
- Women of Faith meet on the third Thursday of each month at 7:30 PM in the Portable.
Youth and Young Adults
Sunday School / Nursery
- During our Sunday services we offer both Sunday School and Nursery programs from children aged infant – 12 years old. If you visit us just ask one of our ushers and they will be glad to show you where these ministries take place.
The Gathering Place Community Drop-In
- Thursdays from 10 AM – 3 PM in the Portable
Young Moms Support Group with Youth Unlimited
- Mondays at 7:30 PM in the Portable
Community and International Missions
Summer Day Camps
- Every Summer we offer both a Children's Day Camp and a Youth Camp. Please check our calendar for dates and times.
Oasis Community Centre
Philip Aziz Hospice Care Centre
Latin American Mission, Nicaragua (Rommel and Ana Julia Raudales)
- Rommel and Ana Julia serve in Granada Nicaragua. They help people become free from addictions through support groups, teaching, and discipleship. They serve under the leadership of LAM (Latin American Mission).
Canadian Baptist Ministries
- HPBC supports CBM and their Guardians of Hope program which ministers to children in Africa and India who have been affected by HIV AIDS.
- Emo and Kathy Yango, who have been missionaries from our church for over 20 years, have also served with CBM in the Philippines.


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On March 16 & 17, then again on March 23 & 24, during the Bud Light Spring Jam, Snowmass will host two Terrain Park Boot Camp sessions for all ages. Learn rails, boxes, and jumps from the pros. The features offered in the terrain park over these two weekends are the perfect size for beginners. This is a free event. Helmets and valid lift tickets or season passes are required.
Important Cookies Information: This message will appear only once. To give you the best possible experience, this site uses cookies and by continuing to use this site, you agree that we can save them on your devices. Our cookies do not collect personally identifiable information. For more information, please read our updated Privacy and Cookie Policy, which also explains how to disable cookies if you wish to do so.


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Afternoons with Sam and Christian- 18/10/18
Sam Stove and Christian Jantzen hosted the show today. They were joined by Anthony Caceres ahead of Melbourne City's match this weekend.
Mitch Cleary wrapped up all the AFL trades, Gav Robertson joined us in the studio to talk about the state of Australian cricket, and we were joined by Australia's beach sprinting champion Jackon Symmonds.


text: The guy on Becoming NSYNC, that's becoming Justin, looks just. like. him. And thd JC dude, I saw him in profile and slightly from the back a few times and he looked a little like him. The Joey guy was kind of wierd looking. I think it was the fake facial hair. But Lance and Chris...no way. Although that guy did <i>dance</i> like Lance. ;)


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Assessing the value of cyber-insurance
I've ventured into new territory lately: cyber-insurance. Here's why.
Hotel chains. Zoo gift shops. Amusement parks. Our own U.S. government's Office of Personnel Management. Security breaches continue to abound, apparently undiminished. And they are all over the news, which is causing me no end of headaches at work (especially with the overly dramatic coverage the network news provides). Just today, Trump Properties announced a security breach that compromised credit card numbers, with a particularly telling statement: "Like virtually every other company these days, we have been alerted to potential suspicious credit card activity and are in the midst of a thorough investigation." "Like virtually every other company" — except mine, as long as I can prevent us from being a victim like all the others.
To read this article in full or to leave a comment, please click here
Read more: Assessing the value of cyber-insurance


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Security researchers from UpGuard have found more than 540 million Facebook records exposed in a public database. This information includes 22,000 passwords in plaintext and some other sensitive information.
Facebook has been dropping the ball lately, big time. After the Cambridge Analytica issue, the company has been the spotlight of many privacy violation issues. The last one included millions of passwords of its users in plain text, but things just got worse.
"Facebook's policies prohibit storing Facebook information in a public database. Once alerted to the issue, we worked with Amazon to take down the databases. We are committed to working with the developers on our platform to protect people's data," a Facebook spokesperson said in a statement.
However, we now have found out that there were millions of data records stored in one of Amazon's public servers. The information in this server included photos, events, passwords and more that were stored on Amazon servers without any protection and came from "Cultura Colectiva" and an app called "At the Pool" that hasn't been active since 2014.
Source: https://pocketnow.com/facebook-users-information-private


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We've talked quite a bit on this blog about the idea of buyer personas.
And with good reason: crafting a buyer persona is how you know who your audience is, and knowing your audience is crucial to inbound marketing.
A buyer persona is your version of your dream customer. You build them by conducting market research, and interviewing a group of existing customers to find out what makes them tick.
There's a long list of questions you should ask in these interviews. If you're not familiar with the buyer persona concept, make sure you brush up on these questions. A good marketing strategy requires at least two personas, which means you'll need to do anywhere from six to 10 interviews. Continue reading "Matching Content to Your Buyer Personas" »


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Bad Chess: A quasi-futuristic chess set based on the expectations of 1980s culture, portrayed by both physical illusions and Augmented Reality.
Humans have contemplated and ruminated over what their future might look like since the beginning of time, often indulging themselves by fantasizing possibilities more akin and catered to the desires and aesthetic of the era they presently live in than what could be realistic in the time frame they set for themselves. This gluttonous go-getter exuberance is charming in an entertainment setting, and found its way to the forefront of media, eventually creating its own genre, SciFi (Science Fiction). The decade of the 1980s is a prime example of such exuberance, known for loud music, louder colors, and even louder hairstyles. The 80s had a garish flamboyance that was unmatched by any other decade in the 20th century, and it showed especially in its visions (and obsessions) of the future. In "Back to the Future II" (1989), lead character Marty McFly time travels to 2015, where he discovers flying vehicles, lasers, and lots of metallics, a far cry from how 2015 really looked when the time came. Arguably trends recycle every 30 years, so maybe it is realistic to think the future will look like an extension of the present, but not to the extent dreamt of. Bad Chess attempts to emulate this unrealism with the visual nature of the 80s.
Bad Chess is a contemporary representation of the ideals of the 1980s, taking advantage of the long history of chess, to show a cyclical preserved image of people's expectations for a shiny future. The chess set is composed of a dashingly clashing geometric board, an intensely epic graphic design on the box (inspired by 80s video game covers), and metallic cubic pieces with lasers. When the tips of these cubes are scanned by a phone, a 3-D model of the chess piece pops up, only to dissolve when the piece is killed in the game from a laser.


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The economy of Scotland is closely linked with the rest of the United Kingdom and the wider European Economic Area.Scotland has the fourth largest GDP per capita of any region in the United Kingdom after the South East of England, East of England and Greater London, though it is still lower than the average of the United Kingdom as a whole. It should be noted that revenue from North Sea oil is not included in these figures.
Scotland was one of the industrial powerhouses of Europe from the time of the Industrial Revolution onwards, being a world leader in manufacturing and shipbuilding related industries, at the time, which today has left a legacy in the diversity of goods and services which the Scottish economy produces from textiles, whisky and shortbread to aeroengines, buses, computer software, ships, avionics and microprocessors to banking, insurance, fund management and other related financial services.
In common with most other advanced industrialised economies, Scotland has seen a decline in the importance of the manufacturing industries and primary-based extractive industries. This has, however, been combined with a rise in the service sector of the economy which is now the largest sector in Scotland, with significant rates of growth over the last decade.
The British Pound Sterling is the official currency of Scotland, and the central bank of the UK is the Bank of England which retains responsibility for the monetary policy of the whole of the United Kingdom.
After the Industrial Revolution, the Scottish economy concentrated on heavy industry, dominated by the shipbuilding, coal mining and steel industries. Scottish participation in the British Empire also allowed the Scottish economy to export its output throughout the world. However heavy industry declined in the latter part of the 20th century leading to a remarkable shift in the economy of Scotland towards a technology and service sector based economy. The 1980s saw an economic boom in the Silicon Glen corridor between Glasgow and Edinburgh, with many large technology firms relocating to Scotland. Today the industry employs over 41,000 people. Scottish-based companies have strengths in information systems, defence, electronics, instrumentation and semi-conductors. There is also a dynamic and fast growing electronics design and development industry, based around links between the universities and indigenous companies like Wolfson[1], 4i2i[2], Linn, Nallatech[3] and Axeon[4]. There is also a significant presence of global players like National Semiconductor and Motorola. Other major industries include banking and financial services, construction[3], education, entertainment, biotechnology, transport equipment, oil and gas, whisky, and tourism. The Gross Domestic Product (GDP) of Scotland was measured at just over £86.3 billion (€126 billion, $170 billion) by the Office for National Statistics in 2005[4], giving a per capita GDP of £16,944 (€24,792, $33,460). Average annual economic growth for 2006 was at 2.2% [5].
Edinburgh is the financial services centre of Scotland and the sixth largest centre in Europe, with many large financial firms based there, including the Royal Bank of Scotland (the second largest bank in Europe and fourth largest globally[6]), HBOS (owners of the Bank of Scotland) and Standard Life Insurance. Glasgow is the fourth largest manufacturing centre in the UK, accounting for well over 60% of Scotland's manufactured exports. Shipbuilding, although significantly diminished from its heights in the early 20th century, is still a large part of the Glasgow economy. Aberdeen is the centre of North Sea offshore oil and gas production, with giants such as Shell and BP housing their European exploration and production HQs in the city. Other important industries include textile production, chemicals, distilling, brewing and fishing.
Scotland has a large abundance of natural resources from fertile land, suitable for agriculture, to oil and gas. In terms of mineral resources, Scotland produces coal, zinc, iron, oil shale. The coal seams beneath central Scotland, in particular in Ayrshire and Fife contributed significantly to the industrialisation of Scotland during the 19th century. The mining of coal - once a major employer in Scotland has declined in importance since the later half of the 20th century, due to cheaper foreign coal and the exhaustion of many seams. The last deep-coal mine continues to operate at Longannet on the Firth of Forth.
Only about one quarter of the land is under cultivation - mainly in cereals. Barley, wheat and potatoes are grown in eastern parts of Scotland such as Fife and the Scottish Borders. The Tayside and Angus area is a centre of production of soft fruits such as strawberries, raspberries and loganberries, owing to the mild climate. Sheep raising is important in the less arable mountainous regions, such as the northwest of Scotland which are used for rough grazing, due to its geographical isolation, poor climate and acidic soils. Parts of the east of Scotland (areas such as Aberdeenshire, Fife and Angus) are major centres of cereal production and general cropping. In such areas, the land is generally flatter, coastal, and the climate less harsh, and more suited to cultivation. The south-west of Scotland - principally Ayrshire and Dumfries and Galloway - is a centre of dairying. Agriculture, especially cropping in Scotland, is highly mechanised and generally efficient. Farms tend to cover larger areas than their European counterparts. Hill farming is also prominent in the Southern Uplands in the south of Scotland, resulting in the production of wool, Lamb and mutton. Cattle-Rearing particularly in the east and south of Scotland results in the production of large amounts of beef. Farming in Scotland has been particularly hard hit in recent years and is still recovering from the effects of the BSE and the European ban on the importation of British beef from 1996. Dairy and Cattle farmers in south-west Scotland were affected by the 2001 UK Foot and Mouth outbreak, which resulted in the destruction of much of their livestock as part of the biosecurity effort to control the spread of the disease.
Because of the persistence of feudalism and the land enclosures of the 19th century the ownership of most land is concentrated in relatively few hands (some 350 people own about half the land). In 2003, as a result, the Scottish Parliament passed a Land Reform Act that empowered tenant farmers and communities to purchase land even if the landlord did not want to sell[7].
About 13,340 km² of land in Scotland is forested[8] - this represents around 15% of the total land area of Scotland. The majority of forests are in public ownership, with forestry policy being controlled by the Forestry Commission. The biggest plantations and timber resources are to be found in Dumfries and Galloway, Tayside, Argyll and the Scottish Highlands. The economic activities generated by forestry in Scotland include planting and harvesting as well as sawmilling, the production of pulp and paper and the manufacture of higher value goods. Forests, especially those surrounding populated areas in Central Scotland also provide a recreation resource.
The waters surrounding Scotland are some of the richest in Europe. Fishing is an economic mainstay in parts of the North East of Scotland and along the west coast, with important fish markets in places such as Aberdeen and Mallaig. Fish and shellfish such as herring, crab, lobster, haddock and cod are landed at ports such as Fraserburgh, Stornoway, Lerwick and Oban. There has been a large scale decrease in employment in the fishing industry within Scotland. This is due to the historically low abundances of commercially valuable fish in the North Sea and parts of the North Atlantic. In order to rebuild stocks the EU's Common Fisheries Policy places restrictions on the total tonnage of catch that can be landed, on the days at sea allowed and on fishing gear that can be deployed. These measures have so far been unsuccessful. In tandem with the decline of sea-fishing, commercial fish farms - especially in salmon, have increased in prominence in the rivers and lochs of the north and west of Scotland. Inland waters are rich in fresh water fish such as salmon and trout although here too there has been an inexorable and so far unexplained decline in abundance over the past decades[9].
With Scottish waters consisting of a large sector of the North Atlantic and the North Sea, containing the largest oil resources in the European Union - Scotland is the EU's largest petroleum producer, with the discovery of North Sea oil transforming the Scottish economy. Oil was discovered in the North Sea in 1966, with the first year of full production taking place in 1976. With the growth of oil exploration during that time, as well as the ancillary industries needed to support it, the city of Aberdeen became centre of the North Sea Oil Industry, which it still is today, with the port and harbour serving many oil fields off shore. Sullom Voe in Shetland is the site of a major oil terminal, where oil is piped in and transferred to tankers. Similarly the Flotta Oil Terminal in Orkney is linked by a 230 km long pipeline to the Piper and Occidental oil fields in the North Sea [10]. Grangemouth is at the centre of Scotland's petrochemicals industry. The oil related industries are a major source of employment and income in these regions. It is estimated that the industry employs around 100,000 workers (or 6% of the working population) of Scotland [11].
Whilst in recent years, North Sea oil production has been in decline, an estimated 920 million tonnes of recoverable crude oil remaining - Over two and a half billion tonnes were recovered from UK offshore oil fields between the first North Sea crude coming ashore in 1975 and 2002 [12], with most oil fields being expected to remain economically viable until at least 2020 [13]. Recently with the prevailing high oil price, there has been a resurgence in oil exploration, specifically in the North East Atlantic basin to the west of Shetland and the Outer Hebrides, in areas that were previously considered marginal and unprofitable [14].
Scotland is endowed with some of the best energy resources in Europe, and is a net exporter of electricity, with a generating capacity of 10.1GW primarily from coal, oil, gas and nuclear generation [15]. With prevailing international concern over the use of fossil fuels in power generation, Scotland has been identified as having significant potential for the development of renewable energy sources, with abundant wave, tidal and wind power. The principal companies operating in the sector are Scottish Power, Scottish and Southern Energy and British Energy.
The Scottish Government has set ambitious targets that 18% of Scotland's electricity generation be derived from renewable sources by 2010, rising to 40% by 2020. Currently renewable energy sources provide Scotland with 13% of its electricity production, with onshore wind generation making the largest contribution, and supporting several thousand jobs. There are many windfarms along the coast and hills, with plans to create one of the world's largest onshore windfarms at Barvas Moor on the Hebridean island of Lewis [16].
There have also been major developments in harnessing the wave and tidal potential around the Scottish Coast, with the LIMPET (Land Installed Marine Power Energy Transformer) [17] energy converter being installed off the island of Islay, which produces power for the National Grid. LIMPET, developed in Scotland, is the world's first commercial scale wave-energy device.
Scotland's heavy industry began to develop in the second half of the 18th century. The Carron Company established its ironworks at Falkirk in 1759, initially using imported ore but later using locally sourced Ironstone.The iron industry expanded tenfold between 1830 and 1844.[18] The shipbuilding industry on the River Clyde increased greatly from the 1840s and by 1870 Glasgow was producing more than half of Britain's tonnage of shipping[19] The heavy industries around shipbuilding and locomotives went into severe decline after World War II.[20]
Manufacturing in Scotland has shifted its focus in recent years with heavy industries such as shipbuilding and iron and steel declining in their importance and contribution to the economy. It is generally argued that this has been in response to increasing globalisation and competition from low cost producers across the world, which has eroded Scotland's comparative advantage in such industries over the later half of the 20th century. However, the decline in heavy industry in Scotland has been supplanted with the rise in the manufacture of lighter, less labour intensive products such as optoelectronics, software, chemical products and derivatives as well as life sciences. The Engineering and Defence sectors employ around 30,000 people in Scotland. The principal companies operating in the sector include; BAE Systems, Rolls-Royce, Raytheon, Alexander Dennis, Thales, Selex and Babcock. Not only has the decline of heavy industry, in the last 20 to 30 years, resulted in a sectoral shift of labour, it has led to smaller firms, strengthening links with the academic community and substantial, industry-specific retraining programmes for the workforce.
Whisky is probably the best known of Scotland's manufactured exports contributing around £800 million to the Scottish economy, supporting 41,000 jobs as well as adding £2 billion to the balance of trade making it one of the UK's top five manufacturing export earners[21]. The Whisky industry also generates a substantial income for the government with around £1.6bn raised in duty each year[22]. The principal whisky producing areas include Speyside and the island of Islay where there are 8 distilleries providing a major source of employment for the island. In many areas the whisky industry is closely related with tourism, with many distilleries also functioning as tourist attractions.
The electronics industry in Scotland Silicon Glen is the phrase that is used to describe the growth and development of Scotland's hi-tech and electronics industries in the Central Belt through the 1980s and 1990s, analogous to the larger concentration of hi-tech industries in Silicon Valley, California. Companies such as IBM (which maintains a plant at Greenock near Glasgow) have been in Scotland since the 1950s being joined in the 1980s by others such as Sun Microsystems at Linlithgow. 45,000 people are employed by electronics and electronics-related firms, accounting for 12% of manufacturing output. Today, Scotland produces 28% of Europe's PCs; more than seven per cent of the world's PCs; and 29% of Europe's notebooks.[23]
Historically Scotland's export trade was based around animal hides and wool. This trade was firstly organised around religious centres such as Melrose Abbey.[24] The trade expanded towards long-established maritime bases for Scottish trade at Bruges and then Veere[25][26] in the Low Countries and at Elbląg and Gdańsk in the Baltic.[27]
During the 18th century, the trade in linen overtook that in wool, peaking at over 12 million yards produced in 1775. [28] Production remained in cottage industry units but the trading conditions were locked into the modern economy and gave rise to institutions such as the British Linen Bank.
The cotton mills began to replace linen in economic importance during the 1770s, with the first mill opening in Penicuik in 1778.[29] The trade brought urbanisation of the population, including large numbers of migrants from the Highlands and from Ireland. The thread manufacturers Coats plc had its origin in that trade.
In modern times, Knitwear and tweed are seen as traditional cottage industries but names like Pringle have given Scottish knitwear and apparel a presence on the international market. Despite increasing competition from low-cost textile producers in SE Asia and the Indian subcontinent, textiles in Scotland is still a major employer with a workforce of around 22,000. Furthermore the textiles industry is the 7th largest exporter in Scotland accounting for over 3% of all Scottish manufactured products[30]
Scotland builds around 24,000 new homes per year, about 1% of its existing dwelling stock. The home building industry in Scotland directly and indirectly contributed around £5 billion to the Scottish economy in 2006 - that's 6% of GDP and greater than that of higher profile industries such as agriculture, fishing, electronics and tourism. The net value of new building and repairs, maintenance and improvements combined is just under £11.6 billion, which is 14.0% of Scottish GDP in 2006.[31]
The Scottish Government plans to increase the number of new homes built each year to 35,000 by 2015. Communities Scotland, the government agency previously responsible for housing strategy has been replaced, this function now being undertaken by core Government bodies. The 'Right to Buy' has also been ended for new social housing built by councils and housing associations, and a new 'Sustainable Communities Initiative' has been established to encourage local authorities and their partners to plan for and build sustainable new settlements.[32][33] Eight out of every ten new homes are for private purchase. The industry works in partnership with local authorities and housing associations to provide low cost housing for sale and social housing for rent. [31]
Excluding intra UK trade, the United States and the EU constitute the largest markets for Scotland's exports. As part of the United Kingdom and the European Union, Scotland fully participates in the Single Market and Free Trade Area which exists across all EU member states and regions. Recently with the high rates of growth in many emerging economies of SE Asia such as China, Thailand and Singapore, there has been a drive towards marketing Scottish products and manufactures in these countries, with Singapore entering the top ten markets for Scottish exports in 2004.
|Export destination
|Value (£billion)
|Republic of Ireland
|Source: Scottish Executive Global Connections Survey 2005
Edinburgh is Europe's fifth largest financial centre[34], with influential financial players such as the Royal Bank of Scotland , the Bank of Scotland, Scottish Widows and Standard Life all having a presence in the city.
Centered primarily on the cities of Edinburgh and Glasgow, the financial services industry in the Scottish Economy expanded greatly in recent years, with a growth rate of over 35% over the period 2000 to 2005[35]. The sector employs 5% of the Scottish workforce or 113,160 people and generates £5bn or 6% of Scotland's GDP[36].
Banking in Scotland has a long history, beginning with the creation of the Bank of Scotland, in Edinburgh, in 1695 and expanding greatly to support the trading developments of the 18th and 19th centuries. Retail banking services to ordinary people followed in the 19th century, on the trustee savings bank model pioneered by Rev. Henry Duncan[37] Today Scotland is home to 4 clearing banks - the Bank of Scotland, the Royal Bank of Scotland, the Clydesdale Bank and Lloyds TSB Scotland. The Royal Bank of Scotland which was until 2008 the second largest bank in Europe, fourth largest in the world by market capitalisation and has significant international operations opened its new global headquarters in Edinburgh augmenting the city's position as a major financial centre. In 2005 Scotland ranked second only to London in the European league of headquarters locations of the 30 largest banks in Europe as measured by market value [38]. [39]
Although the Bank of England remains the central bank for the UK Government, three Scottish clearing banks still issue their own banknotes: (the Bank of Scotland, the Royal Bank of Scotland and the Clydesdale Bank). These notes have no status as legal tender; but in practice they are accepted throughout the UK.[40] The full range of Scottish bank notes commonly accepted are £5, £10, £20, £50 and £100. (See British banknotes for further discussion).
The first half of the 19th century brought the creation of many life assurance companies in Scotland, predominantly on the mutual model. By the 1980s there were 9 members of the Association of Scottish Life Offices but these have demutualised and most were taken over[41]. Standard Life, based in Edinburgh, demutualised and has remained independent[42].
Starting in 1873 with Robert Fleming's Scottish American Investment Trust[43], a relatively broad stratum of Scots invested in international investment trust ventures. Around 80,000 Scots held foreign investment assets in the early 20th century.[44]
Nowadays Scotland is one of the world's biggest fund management centres with over £300bn worth of assets directly serviced or managed in the country[45]. Scottish fund management centres have a major presence in areas such as pensions, property funds, investment trusts as well as in retail and private client markets. Similarly asset servicing on behalf of fund managers has become an increasingly important component of the financial services industry in Scotland with Scottish based companies providing expertise in securities servicing, investment accounting, performance measurement, trustee and depositary services and treasury services.
It is estimated that tourism accounts for 3% of Scotland's economic output. Scotland is a well-developed tourist destination with attractions ranging from unspoilt countryside, mountains and abundant history. Tourism is responsible for sustaining 200,000 jobs mainly in the service sector, with tourist spending averaging at £4bn per year [46]. Domestic tourists (those from the United Kingdom) make up the bulk of visitors to Scotland. In 2002, for example, UK visitors made 18.5 million visits to Scotland, staying 64.5 million nights and spending £3.7 billion. In contrast, overseas residents made 1.58 million visits to Scotland, staying 15 million nights and spending £806 million. In terms of overseas visitors, those from the United States made up 24% of visits to Scotland, with the United States being the largest source of overseas visitors, and Germany (9%), France (8%), Canada (7%) and Australia (6%), following behind. [47]
See also: Transport in Scotland
Infrastructure in Scotland is varied in its provision and its quality. The densest network of roads, railways and motorways is concentrated in the Central Lowlands of the country where around 70% of the population live. The motorway and trunk road network is principally centred on the cities of Edinburgh and Glasgow and connecting them to other major concentrations of population, and is vitally important to the economy of Scotland. Key routes include the M8 motorway, which is one of the busiest and most important major routes in Scotland, with other primary routes such as the A9 connecting the Highlands to the Central Belt, and the A90/M90 connecting Edinburgh and Aberdeen in the east. The M74 and A1, in the west and east of the country, respectively, provide the main road corridors from Scotland to England. The Scottish Executive has stated that it intends to spend £3bn on a capital investment scheme to improve Scotland's road and rail system, over the next decade [48], with the setting up of a national agency in January 2006 - Transport Scotland to oversee this. Many roads in the Highlands are single track, with passing places.
The rail network is primarily centred on the central belt and is used principally as a means of public transport, with some freight movements - for example from the port facilities at Grangemouth and Hunterston Ore Terminal. After a large rationalisation of routes in the 1960s, which led to station and line closures, the rail network is currently being expanded, to cope with ever increasing levels of passenger demand. The rail-operator First ScotRail operates most routes within Scotland, with long-distance connections to London operated by National Express or Virgin Trains. Proposals which have been mooted include the construction of a high-speed MAGLEV rail system connecting Edinburgh and Glasgow which, it estimated, will cut journey times between the two cities by around 30 minutes [49]. Other measures suggested include the electrification of the rail system in order to cut journey times.
In 2004, 22.6 million passengers used Scotland's airports, with there being 514,000 aircraft movements [50] with Scottish airports being amongst the fastest growing in the United Kingdom in terms of passenger numbers. Plans have been published by the major airport operator BAA plc to facilitate the expansion of capacity at the major international airports of Glasgow, Edinburgh and Aberdeen, including new terminals and runways to cope with a large forecast rise in passenger use. Prestwick Airport also has large air freight operations and cargo handling facilities. Scotland is well-served by many airlines and has an expanding international route network, with recent long-haul services to Dubai, New York, Atlanta and Canada.
Major deep-water Port facilities exist at Aberdeen, Grangemouth, Greenock, Peterhead, Scapa Flow and Sullom Voe. Scotland is connected to mainland Europe by a dedicated ferry service between Rosyth (near Edinburgh) and Zeebrugge in Belgium. In addition to this many remote island communities on Scotland's western seaboard are served by lifeline ferry services operated by the state-owned company Caledonian MacBrayne, which carry tourists as well as freight and are vital to the economies of these islands.
See also: Politics of Scotland
The public sector, in Scotland, has a significant impact upon the economy and comprises central government departments, local government, and public corporations. In quarter 3 of 2005, there were 577,300 people employed in the public sector, which accounts for 23.4% of employment in Scotland - this includes all medical professionals employed within the National Health Service in Scotland, those employed in the emergency services and those employed in the state education and higher education sector[51]. This is in addition to employees of the government in the civil service and in local government as well as public bodies and corporations.
There is a clear separation of responsibility of the powers of both the UK government and the devolved Scottish Government in relation to the formulation and execution of national economic policy as it affects Scotland - this is set out under Section 5 of the Scotland Act 1998.
The UK Government along with the Parliament of the United Kingdom retains full control over Scotland's fiscal environment, in relation to taxation (including tax rates and tax collection) and the overall share of central government expenditure apportioned to Scotland, in the form of an annual block grant. It also retains complete responsibility for the operation of the Welfare State, in terms of pensions, unemployment insurance and child benefit - as part of the UK-wide Welfare State exercised by the UK Department for Work and Pensions and HM Treasury.
The Scottish Government has very limited power to raise or lower the rate of income tax in Scotland by up to 3p in the pound, but has the power to vary business rates and can regulate the application of local taxes such as the council tax levied by local authorities in Scotland. Nevertheless the Scottish Government has full control over how Scotland's annual block grant is divided between government departments, such as healthcare and education and on state-owned enterprises, such as Scottish Water and Caledonian MacBrayne. The Scottish Government does however have control over Economic Development policy, and controls, funds and regulates the national Economic development Agency - Scottish Enterprise. In 2008, for example, the budget of the Scottish Government was around £33bn, [52] which the Scottish Government can spend on the areas under its jurisdiction such as education, healthcare, transport, the environment and justice.
The 32 unitary authorities in Scotland have the ability to levy a local tax, called the Council Tax which is used to pay for local services such as refuse collection, street lighting, roads, pavements, public parks and museums. The value of residential property is the base for the tax, with each dwelling allocated to one of eight bands coded by letters A through H (H being the highest) on the basis of its assumed capital value. Each local authority sets a tax rate expressed as the annual levy on a Band D property inhabited by two liable adults. The budget of local authorities is supplemented by direct grants from the Scottish Executive.
Education in Scotland is well-funded with very high levels of participation in all sectors of education. Participation in further and higher education is especially high, with Scottish universities generally being recognised as amongst the best in the teaching of medicine, law, engineering, science and technology. Increasingly Scotland is being seen as an exporter of education, with the number of overseas students applying to studying at universities throughout Scotland, rising substantially in recent years [53]. Most universities are linked with a flourishing research and development sector; the University of Dundee is at the heart of a biotechnology and medical research cluster [54]; the University of Edinburgh is a centre of excellence in the field of Artificial Intelligence and the University of Aberdeen is a world-leader in the study of offshore technology in the oil and gas industry [55] . Scotland generally has a well-educated population - adult Literacy rates are at over 99%.
Another major component of central government expenditure in Scotland is on healthcare and healthcare related services. The National Health Service (NHS) is the publicly controlled provider of the majority of healthcare in Scotland, with the NHS being a major employer not only in terms of doctors nurses and other key healthcare workers, but also in terms of administration. The service is administered differently from the rest of the United Kingdom and is largely free at the point of use to residents in Scotland, except for dental services (where those over 19 must pay) and prescriptions (free to the elderly and subsidised for others). In the short term spending on healthcare in Scotland remains high in response to the nations' poor diet and high instance of heart disease. In the medium to long term, the challenges of an ageing population are likely to increase demand for health services and put increasing pressure on the health service in Scotland.
Total Population: 5,494,801 (2007 est)
Working Age Population: 2,475,386 (2007 est.)
GDP (£billion): 86.3 (2006)
Manufacturing GVA (£million): 28, 900 (2007)
Number of VAT registered companies: 185,925 (2007 est.)
Number of Large Companies (250+ employees) in Scotland: 2,240 (2007)
Number of new homes built pa.: 24,581 (2006)
Employment Rate (% of adults of working age): 78.7 (2007)
Median Gross Weekly Earnings of full-time workers on adult rates (£): 592.70
Claimant Unemployment Rate (%): 2.1 (2007)
People of working age claiming key Social Security benefits (%): 11.7 (Feb. 2007)


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The author of the V. I. Warshawski novels, most recently "Critical Mass," was hugely influenced by "A Portrait of the Artist as a Young Man": "I felt as though I'd fallen into words and wanted to drown in them."
What books are currently on your night stand?
I'm trying hard to read Thomas Piketty's "Capital in the Twenty-First Century" but keep returning to fiction. Right now: John Williams's "Stoner," Claude Izner's "Strangled in Paris."
Who is your favorite novelist of all time? And your favorite novelist writing today?
I don't have an all-time favorite. There are books I reread or wish I'd written. I love the Victorians: Elizabeth Gaskell, Charles Dickens, George Eliot, in that order. I loved "Gilead" and "Wolf Hall," which is a staggering achievement. I reread Barbara Pym and Jane Austen and my old detective favorites when I'm stressed out.
Who are your favorite writers of detective fiction?
Margery Allingham among the classics. Peter Dickinson, Dorothy Salisbury Davis, Dorothy Hughes.
Which do you consider the best detective stories of all time, and why?
Anna Katharine Green, for defining the consulting detective for the 19th century; Wilkie Collins, for playing with the form and transforming it; Dashiell Hammett, for reinventing the form for the 20th century; the Holmes oeuvre, for making detective fiction popular in both Great Britain and America; Amanda Cross and Lillian O'Donnell, for opening the door that enabled Marcia Muller, Linda Barnes, Sue Grafton and me to challenge the form in new ways.
What makes a good detective novel?
Believable characters first, a good story, an understanding of how to pace dramatic action. I like commitment by a writer, to the form, to the story — there are lots of slick writers of crime fiction who aren't writing out of passion, but for the market. They write good English sentences, but for me, the lack of commitment makes them uninteresting.
Of the books you've written, which is your favorite?
My books all have different strengths and weaknesses, but if I had to choose, I'd pick "Hardball." It's very personal because the back story is in the civil rights movement in Chicago in the 1960s. That's when I first came here, working as a volunteer on the city's extremely turbulent South Side.
You earned a Ph.D. in history from the University of Chicago. Do you still enjoy reading history? Who are your favorite historians to read?
Richard Hofstadter was a great stylist; 2014 marks the 50th anniversary of his "Paranoid Style in American Politics," which is as insightful a dissection of our country today as it was when he first published it. My dissertation dealt with the 19th-century roots of fundamentalism in America. I read a fair amount of natural history as background — Darwin, some of the early geologists, a lot of the moral philosophers. I still like to read natural history — Neil Shubin's "Your Inner Fish" is also on my night stand.
What do you like to read when you travel?
Partway through "Wolf Hall" I went to England on tour. I carried that big, fat book across the Atlantic, couldn't wait to finish my events so I could go back to it — I'd read until I couldn't keep my eyes open.
What do you like reading right before bed?
Short stories, mostly. Joan Wickersham's "The News From Spain" and Jaan Kross's "The Conspiracy" are two that I've just finished. I have insomnia, and sometimes at 3 in the morning, I read from "The Pillow Book of Sei Shonagon," a journal kept by a woman at the 11th-century Japanese imperial court, and then write in my own journal in her style: Seven Things That Bring Me Pleasure; Eight Things Over Which I Have No Control.
What kind of reader were you as a child?
I was a flashlight-under-the-covers reader. I loved books about girls doing active things — biographies of women like the astronomer Maria Mitchell, or Harriet Tubman or Marie Curie. I read Laura Ingalls Wilder, all the Alcott books and a wonderful out-of-print German novel, "The Wicked Enchantment." As an adult, I realize it is a parable of the Nazi takeover of Germany, but as a child I loved the brave heroine, her little dog Winnie and the aunts who look after them both.
If you had to name one book that made you who you are today, what would it be?
When I first read "A Portrait of the Artist as a Young Man," at 17, I felt as though I'd fallen into words and wanted to drown in them. I reread the book 20 or 30 times and longed to write like Joyce. I used to practice Joycean sentences and punctuation.
If you could require the president to read one book, what would it be?
Kafka's "The Trial," so he realized how futile it is to try to find meaning in the ways Congress reacts to his initiatives.
You're hosting a literary dinner party. Which three writers are invited?
P. D. James, who is always witty and engaging; Shakespeare, to hear that language spoken by himself; and Sappho. The four of us would all miraculously understand modern and Renaissance English and ancient Greek.
Disappointing, overrated, just not good: What book did you feel you were supposed to like, and didn't? Do you remember the last book you put down without finishing?
"War and Peace." I read all 1,400-plus pages. The first 100-page riff on the great Russian soul was interesting. During the second hundred-page riff, I thought, This is dull, but maybe it's a reinforcing literary device. When I got to the third, I wanted to take a blue pencil to the text. And then I reached the end, and it turns out that Natasha's brooding artistic yearnings are symptoms of a mental illness for which pregnancy is the cure. She's become fat and is ecstatically inspecting a soiled diaper.
Last book I didn't finish — "The Luminaries." I read 120 pages and couldn't get engaged by any of the characters.
What's the one book you wish someone else would write?
A history of the women in physics in the 20th century. I read as much as I could find for background to my recent novel, "Critical Mass." Maria Rentetzi has written some of that story, but very little is known about women who did major work in the field (Ellen Gleditsch, Marietta Blau and others).
Whom would you want to write your life story?
I'd love Elizabeth Gaskell to do for me what she did for Charlotte Brontë.
What books are you embarrassed not to have read yet?
Lots. "Don Quixote," "The Canterbury Tales," "Gravity's Rainbow." I know I'll never read "Paradise Lost."
What do you plan to read next?
I'm lucky to live a few blocks from a great bookstore — Seminary Co-op. I'll go there and browse and see what fits my mood at the moment.


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2 cl lemon juice
½ tsp hibiscus syrup (self made)
1 TL Chambord
1 egg white
Ingredients for hibiscus syrup:
230 ml water
120 g sugar
85 g dried hibiscus flowers
Preparation Hibiscus Syrup:
Heat water and sugar in coated pan until sugar is completely dissolved. Add dried hibiscus flowers and allow to infuse at low heat for about 15 minutes, while stirring. Take the pan from the stove and allow to infuse for another 20 minutes. Use strainer to fill into a glass bottle.
Pour all ingredients into a shaker filled with ice. Strain into a tumbler filled with ice.


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The Rise of ETFs: What You Need to Know
Part Three: The AAM Approach to ETFs
Parts One and Two in this series outlined the reasons why so many investors are turning to passive strategies instead of actively managed funds, but also that there are several considerations and potential pitfalls when investing in ETFs. This instalment explains how AAM assists clients when we recommend the use of ETFs or index funds.
Our Model Portfolios
AAM has embraced the use of low-cost ETFs and include them in our model portfolios where we feel they are appropriate and available to our clients. However, there are investment sectors and asset classes where we feel that an active manager can justify the additional fees that they charge. In less efficient markets there may not be a suitable index for an ETF to track, or if there is one we might judge that it is not the best way for our clients to generate exposure to this sector or region.
Figure 3: AAM Advisory Investment Process
Figure 3 illustrates the process we follow to determine which funds to include in our model portfolios (which is explained in greater detail in our Investment Principles document). Step 3 is where we assess individual funds, both active and passive. We undertake quantitative fund analysis that includes examining risk, returns and fees but also we also employ qualitative fund analysis where we consider factors such as the fund's organisational strength, the consistency of the fund's investment strategy, asset size and asset growth.
We intend to ensure that when we do use actively managed funds, they have a mandate which is significantly different to the benchmark or index, which could otherwise be better tracked using a low-cost index tracker. In less efficient markets and also in sectors which are different to the 'headline' indexes, it takes skill, time, application and patience to perform well and in these instances, we believe that active fees can be justified.
The AAM Passive Model Portfolios
For those clients who wish to invest solely in passive strategies, the Investment Research Team at AAM runs several passive model portfolios across different currencies and risk profiles. These portfolios are constructed using the same methodology as our model portfolios except the investable universe is limited to passive funds. Your AAM financial planner will talk you through the options and explain the AAM Passive portfolios to you.
As with any investment though, it is important to build a financial plan, assess your capability to tolerate, and appetite for, investment risk, build a suitable, diversified portfolio which aligns to your risk profile, and then implement this plan. AAM will monitor your portfolio and recommend rebalances when required to ensure that the portfolio remains aligned, as well as provide clear and concise advice and reporting along the way.
A Call to Action
Whatever your thoughts on passive investing and ETFs, having a portfolio that is appropriate to your level of risk is even more important. Advice from a licensed, regulated financial services company will help you to ensure that you have a robust and sensible plan in place to achieve your financial goals. Ongoing management, sensible diversification, low-fees and investments which are in the right currency for you may be more important than whether you invest using passive or active funds. Overall, the approach to planning your financial future shouldn't be passive even if the investment strategy is. So take the next step, and book a consultation with us.


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ilan.kushnir1 needed a new logo design and created a contest on 99designs.
A winner was selected from 224 designs submitted by 65 freelance designers.
We provide a platform for female and male models for them to publicize their dating services.
red, black, purple, gold
we don´t want a huge mix of colors, but we do want to express the values of the colors selected above.
We want to look reliable, classy, luxurious and attractive, subliminal sexual details accepted.
Find out how a design contest works or learn more about our logo design services.


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Drawing of 2 female nudes and a head
Auston Osman Spare
- Art Funded
- 1942
- Presented by
- Sir M Sadler & Michael Sadler through The Art Fund
One of six drawings by Austin Osman Spare from the Desmond Coke collection presented to six museums in the UK and the Commonwealth.
One of nineteen gifts to fifteen museums by Sir Michael Sadler through the Art Fund between 1921 and 1942.
Desmond Coke collection.
Leeds Art Gallery
The Headrow, Leeds, West Yorkshire, LS1 3AA
0113 378 5350
Opening times
Tues – Sat: 10am – 5pm Sun: 11am – 3pm


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Princess Anne has given her backing to genetically modified crops, putting her on a collision course with her brother, the Prince of Wales, who has said in the past they could cause 'environmental disaster'.
An active farmer and patron of almost 50 countryside organisations, Princess Anne told BBC Radio 4's Farming Today GM crops have important benefits for providing food and she would be open to growing them on her land.
"To say we must not go there 'just in case' is probably not a practical argument", she said.
"Gene technology has got real benefits to offer. It would maybe have an occasional downside but I suspect not very many.
"We grow some very good plants here remarkably easily. I do not see the problem in saying 'is there something we could do to improve their abilities?'"
The Princess also suggested she would be open to using GM to help improve the health of her rare-breed cattle.
Prince Charles, who runs his own organic farm, has very different views.
A royal patron of the Soil Association, he has said GM crops damage the earth's soil and even appeared to link their use to climate change in an interview with The Telegraph in 2008.
He has expressed mistrust of the 'gigantic corporations' behind GM technology and claimed in 1998 they were taking us into 'realms which belong to God and God alone'.
The royal row came as the EU parliament voted to ban the import of 20 GM maize varieties from Syngenta for use in feed and food.
Stitch up
Keith Taylor, Green MEP for the South East and a member of the EU Environment Committee said: "This is a right royal stitch up. Princess Anne holds no elected public office and is supposed to remain politically neutral. Yet she is using her considerable unearned status to push a nakedly political agenda.
"In stark contrast, just this week, I joined elected MEPs from across Europe to vote against the import and use of untested GM maize in the EU.
"It is the sixth time in just over a year the European Parliament has signalled its opposition to the approval of new GM foods."
But the NFU's chief science and regulatory affairs adviser Helen Ferrier said British farmers should have the choice to access the best technologies to ensure they can remain competitive and produce high-quality food while protecting the environment.


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As with all games, Pokémon Black and Pokémon White has its own regional Pokédex, the Unova Pokédex. Unlike in previous games however, the Unova Dex has a bonus Pokémon listed as #000 at the beginning. This regional Pokédex is the first to contain no Pokémon previously released and so this page contains not only details on the Pokémon, but areas where you can see the Pokémon in either Trainer Battles or in the wild.
All Content is
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Pokémon And All Respective Names are Trademark & © of Nintendo 1996-2019


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Da Vinci's Vault Playtech Slots ReviewClick to collect: 200% up to £00000 signup bonus
Overall impression
A true high roller slot, those with light pockets should stay away
|Game Information
|Da Vinci's Vault
|Game Type:
|Video slot
|Whats hot:
|Whats not so hot:
|Expertly crafted graphics and animations
|Difficult to trigger the free spins in normal play mode
|High-Roller mode
|Unlimited amount of free spins with 2 wilds
|Medium variance but volatility increases after extended sessions
Where to play?
Playtech has been upping the ante lately and we're happy to report that its next installment Da Vinci's Vault 3D slots (based on the original Renaissance Man) really nailed the spot and the ideal 3D slot for high rollers.
The game has 20 paylines, 5 reels and offers a non-progressive jackpot of 10,000 coins. When it comes to bonus features it's jazzed up with duplicating scatters (bigger wins), a free spins bonus mode where an unlimited amount of free spins can be won along with 2 extra wilds!
Da Vinci's Vault can be played at our best playtech casino on PC desktops and mobile devices from 20 pence up to £100 per spin (Normal Play), free play is available too. Players who play the game on mobile phones or tablets will be happy to hear that wild wins are doubled.
Next to the 'Spin' button you'll see the 'High-Roller' feature, it gives you 5 Hi-Roller spins plus 3 vaults (Bronze, Silver and Gold) that's triggered once you've accumulated 3 Bronze, 4 Silver and 5 Gold medals.
The minimum wager per spin for high-staked players starts with £2 right up to a gargantuan £1,000. Each vault awards cash prizes and free spins, we recommend that you play the game with the High-Roller' feature activated. The biggest cash prizes are reserved for the Gold Vault' which takes payouts and volatility to the next level.
Paying symbols on the reels are cards from 10 to Ace, chalices, Vitruvian Man paintings, Mona Lisa, the golden wild, scatter (compass coin), flying machines (helicopters) and mechanical cogs (wild).
The symbols that pay the top cash prize are Mona Liza and the Golden Wild, 5 of them any position on the reels at the maximum bet pays 10,000 coins. Once again we have to commend Playtech for the game art and well-thought-out game mechanics. The RTP (Average Return to Player Percentage) is 96%.
Game Play
The coin range during normal play is £0.20 up to £100, when the High-Roller feature is activate it shoots up significantly starting with £2 up to £1,000 per spin.
The Auto Play spins the reels automatically from 10 spins up to 99 spins. If you click on 'INFO' (Paytable) the help screen tells you which symbols pays the most, how the free spins can be triggered and how the High-Roller mode works.
Bonus Modes
The wild symbol is the mechanical cogs, they complete winning combinations when they substitute symbols adjacent to them except the Cryptex and scatter.
Bonus games
Da Vinci's Vault contains 3 in-play bonus games, the first is the Scatter feature that's played randomly on any spin during the main game. The Compass Coin scatter doles out 2 to 4 additional Compass Coin scatters while 5 of them pays around 50x your wager.
Free Spins
(big wins during the free spins)
During normal play (High-Roller Mode not activated) the free spins feature is triggered by 3 Cryptex symbols (pitch on reels 1, 3 and 5), what we like about the free spins feature is that an unlimited amount of free spins can be won. We must warn you though it's very difficult to trigger! When the Da Vinci skull appears on the centre reels a wild will be selected randomly for the remainder of the feature.
Double Skull Wilds
During the Playtech ONE Channel Connect the double skull wilds really juices up wins during the free spins on tablets or mobile phones especially when the High-Roller mode is active. Strictly speaking you'll end up with 2 wilds during the free spins which will keep on coming until a third Da Vinci skull pitches which causes the bonus feature to come to an abrupt end.
High Roller Mode
(total amount of cash won during the free spins)
You can activate the High-Roller mode by clicking on the feature and by selecting your average stake per spin. Once done you'll get 5 High-Roller spins to hit it big that is by unlocking the Bronze, Silver or Gold Vaults. Once a vault is unlocked you'll see a wheel with bigger cash prizes, extra spins (by landing on the arrow) and free spins on them. Note, the bronze wheel does not offer any free spins.
We played Da Vinci's vault in the free mode and noted that after extended game play the volatility shoots up by a considerable margin. The visual side of the slots is great with a bunch of bonus features that will satisfy any player's taste buds.
If you play the game in the 'High Roller' mode don't go overboard with your average bet per spin unless you have the cash to spend. Mobile phone and tablet players will be spoiled with 2 extra wilds that doubles all wins. We can't fault the game but discretion is advised when played.


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It Has Begun — Dems Hire Money-Laundering Experts To Dig Into Trump's Financial Ties To Russia: Report
As they prepare to take control of the House of Representatives, Democrats in the Intelligence Committee are hiring money-laundering and forensic accounting experts to investigate Donald Trump's financial ties to Russia, according to a new report by The Daily Beast.
Citing three sources with knowledge of the matter, the Daily Beast revealed that the panel is hiring experts "to examine unanswered financial questions about Trump and Russia."
The experts would also work with the Intelligence Panel on all of the topics before the panel, a Democratic source told the Beast.
According to the report, Rep. Adam Schiff (D-CA), the likely pick to take over the committee, has signaled his interest in investigating Trump's relationship to Germany-based Deutsche Bank.
The Beast noted that Deutsche Bank loaned money to Trump at times when other lenders and the president may still owe it money.
RELATED: Trump Tower Exposed As a 'Cathedral Of Money Laundering' By Investigative Reporter.


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See the Slave Queen at http://SilverBulletSilverShield.com Dianne Feinstein wants to take our guns ahead of the financial collapse of the dollar when she conceal carries for her own protection.
Free men own guns.
Slaves don't.
Senator Feinstein, I am not your slave and you are a hypocrite.
"Laws that forbid the carrying of arms . . . disarm only those who are neither inclined nor determined to commit crimes . . . Such laws make things worse for the assaulted and better for the assailants; they serve rather to encourage than to prevent homicides, for an unarmed man may be attacked with greater confidence than an armed man."
--Thomas Jefferson
Democide or death by government, is the leading cause of unnatural death over the past century. The strongest reason for the people to retain the right to keep and bear arms is, as a last resort, to protect themselves against tyranny in Government. Thomas Jefferson (1743-1826)...
Views: 348
lol apeman all true
Feinstein is jewish. True.
Israel is an enclave, with all facets of politics and government controlled by jews. True.
All jews in Israel are permitted automatic weapons. True.
Feinstein is against Americans owning guns in America. True.
It is legal for jews in Israel to take accurate aim on and shoot nonjews. True.
Feinstein has not spoken out against the 9-11, HAARP, gulf oil well blow out, Wall Street fraud and total lack of action by the FTC and SEC against white collar crime in America and voted for most DHS special funding to go to domestic jewish groups. True.
We pay this bitch? True. Including perks over $200,000.00 per year.
I am a genius or America is proof too much incest and alcoholism is a bad thing, for commoner or Rothschild. True.


text:
About Us
Our Mission
CE Synergy strives to provide high-quality healthcare education for pharmacists and other healthcare professionals who specialize in hematologic and/or solid tumor malignancies, including those undergoing hematopoietic cell transplantation or other cellular therapies, that is:
- Accurate
- Scientifically robust
- Free of commercial bias
- Timely
- Valuable
CE Synergy will assist learners to maintain and expand their professional competencies through:
- Informative and relevant learning activities that ensure optimal medication management and patient safety for patients with cancer.
- Satisfaction of education requirements for professional licensure renewal.
- Partnering with organizations to meet professional certification standards, such as through Foundation for the Accreditation of Cellular Therapy (FACT) or Board of Pharmacy Specialties (BPS) certification.


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The Essential Oil
As a regular user of Citrica Pizarra's essential oils, Kate Vaughan was looking forward to meeting its owner Eva Zomeño, and discovering more about her business. She was not disappointed and reports back on a day spent in very inspiring company.
Arriving at Citrica Pizarra I was immediately engulfed by the lemon trees lining the drive and the sheer abundance of greenery and growth! Eva took over Citrica Pizarra from her father and his father before him. Started in the 1950s in Murcia, the family made all their oils by hand, literally, as the essential oils would dissolve rubber gloves. Not for those with sensitive skin! They are now based in a scenic location in the hills outside Pizarra specialising in citric oils such as lemon, orange, mandarin, grapefruit, some lime as well as rosemary and rose petals for rose water, some cypress and sage.
La Chispa likes to highlight local artisan type enterprises and Citrica Pizarra is an inspiring example. Eva has a profound and enthusiastic knowledge of essential oils, and a deep attachment to her work, but explains that Citrica Pizarra does struggle to compete against multi nationals – their small factory only runs sporadically these days, when there is oil to press. The sheer volume of fruit needed is staggering – about 1,500 kilos of lemons to produce one litre of essential oil … and in her grandfather's days, when up to 60 local women were employed to press the oil by hand it could take up to 3,000 kilos for that same litre.
Citrica Pizarra is not so much a business as a way of life says Eva and running the business includes her children and even a few of the local neighbours when it is harvest time. Unlike the big multi nationals Eva's harvesting is governed by attention to detail and inherited knowledge… rosemary should be picked in the fuller summer sun, midday is best, green lemons picked in October or November produce more essential oil with a fresher smell and are then pressed immediately. "Recien cogido" (recently picked) and "puro" (pure) are words that pepper our conversation and the difference is clear. Tested by the University of Murcia a couple of year's ago Citrica Pizarra's lemon oil won prizes for having the best, purest quality.
It is clear that while demand for Eva's oil is strong and she has a loyal customer base business is not that easy. Determined not to give up, she has created a small line of 100% natural creams and massage oils already used extensively by local practitioners who appreciate the superior quality. Her plans for the future include a website to sell her essential oils directly as they are currently available only in Herboristerias or by mail order. Intrepid customers occasionally show up at her door and are rewarded as I was, by Eva's warm welcome, quality, great value oils and a sense that here is an enterprise that values natural production techniques. In these days where we are all so removed from the production processes it is inspiring indeed.
On my journey home I could not help but notice that I not only smelt fantastic, having eagerly tested the merchandise, but my spirits were definitely raised. Lemon oil from local lemon trees, what could be more uplifting as winter approaches?
Citrica Pizarra 952 483 066
Aromatherapy Courses:
Lawrence Body, Málaga 696 369 040
Mistiyan, Fuengirola 951 311 216
Christine Shaw, San Pedro 952 885 336
This post is also available in: Spanish


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Find out what's happening in the property investment arena both in the UK and internationally
We love Liverpool! 62% of higher education students select the north-west city as the best place to study in the UK
June 2, 2011Article by Ray Withers
It's great news for potential investors in student accommodation as new data identifying the best places in the UK to be a student has just been released.Accommodationforstudents.com, the UK's No 1 student accommodation website,conducted 46,000 student reviewsacross 62 university towns around the UK and found that 62% voted the city of Liverpool the best place to study.
Students were asked to rank the location of their university (out of 10) based on five different criteria – shops (supermarkets, corner shops, book shops, video shops), facilities (gyms, libraries, parks), transport links (buses, trams, trains, underground), going out (restaurants, pubs, clubs) and community (safety, student population, surroundings).
The findings obtained from the criteria show that although Newcastle took the title with an overall rating of 64% locations including Liverpool and Manchester weren't too far behind, taking joint second place at 62%.
Ray Withers, Director of leading property investment agency, Property Frontiers which has successfully marketed numerous student accommodation projects in the city of Liverpool, comments,
"We are delighted that Liverpool, home to three of the country's leading universities and around 53,000 students scored extremely well in the review. It's not surprising that students enjoy Liverpool life. Voted European Capital of Culture in 2008, Liverpool has a huge selection of cultural and leisure activities to enjoy from music and the arts to the UNESCO listed waterfront and the all-important A-grade nightlife. It's just a great place to study all round and we at Property Frontiers have certainly noted its potential."
He continues,
"As demand for academic courses reaches record highs according to UCAS with nearly 700,000 university applications in 2010 alone, investors are quickly beginning to appreciate that the UK's latest buy to let sector, student accommodation, is big business and can no longer be ignored.
"Data provided by Knight Frank 2010 indicate that rents in Liverpool in the last academic year, 2008/9 – 2009/10, increased by 13%, vastly exceeding the average 5% growth per annum seen nationally in the six years to 2008/9. And as Liverpool's universities are expecting to attract even higher numbers of applicants for the next academic year, creating strong demand for student accommodation, shrewd buy-to-let investors will certainly not want to miss out."
Many more young people are realising the value of higher education than ever before and Liverpool universities in particular have seen significant increases in applications between 2008 and 2010.
According to statistics from UCAS, in 2008 The University of Liverpool had 27,465 applications which rose to 32,022 in 2010 while Liverpool John Moores University received 28,123 applicants in 2008 rising to 34,182 by 2010. In addition, Liverpool Hope University received 8,314 applications compared to 7,627 back in 2008 clearly indicating that more and more students are seeking degree courses year on year, pushing up the need for accommodation and increasing opportunities for buy-to-let investors.
Currently only 50% of all students in the UK have access to high quality purpose-built student accommodation according to the Knight Frank Student Report 2011 however more effort is being made to change this with The University of Liverpool planning to invest £600 million poundsin its facilities, including a £250 million pound redevelopment of the university's student accommodation with the construction of a 710 bedroom development in the city centre campus already underway.
However, in spite of the university's attempt to increase the level of available student accommodation the stock of new student housing will nevertheless remain limited with demand continuing to outstrip supply as increasing numbers of students from both home and overseas seek to attend universities in Liverpool and the UK placing increasing pressure on the housing supply.
The emphasis has therefore now shifted to building new high quality private student housing developments such as Hatton Garden, the latest and most prestigious student project available through Property Frontiers.
The 98 private en-suite student rooms with flat screen TV and internet connection have excellent on-site facilities and will include sufficient kitchen space, communal lounges with 42 inch flat screen TVs on each floor, an on-site gymnasium, computer/media service centre, management office and laundry facilities.
Located in the heart of the city, minutes from John Moores University, Lime Street station and popular shops, restaurants and nightlife, Hatton Garden is everything a student could ever dream of and with rooms costing only £48,000, investors can expect weighty returns of 10.03% NET with the first year assured. Monthly rental income is to be paid from 1st March 2012.
For more information on this lucrative investment opportunity in Liverpool please contact Property Frontiers today on +44 (0) 1865 202 700.
Next: Is the turnaround now truly underway? »


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Lottie Dolls - Be Bold, Be Brave, Be YOU!
Meet Lottie - the relatable, childlike doll that encourages kids to be kids!
Lottie would rather be having fun and going on adventures than wearing high heels and make up. With the body proportions of a 9 year old girl, Lottie is an awesome role model that younger kids can relate to.
The motivation behind the creation of many of the Lottie Dolls is inspired by real children, who believe they can be anything they want to be!


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Mr. Robot season 3
Seasons: 2
Country: USA
TV channel: USA Network
Original release: June 24, 2015 – present
About TV show Mr. Robot season 3
Mr. Robot season 3 release date - October 11, 2017.
Mr. Robot Plot
The young programmer Elliot (Rami Malek) leads a brisk double. During the day he works as a cyber-security engineer, but at night he drives himself as a hacker. When one day he is recruited by Mr. Robot (Christian Slater), the mysterious leader of a subterranean hacker group, to destroy the company for which he is actually responsible, Elliot is faced with a difficult decision. Even if he wants to hold on to his job for the time being, he finds it increasingly difficult to resist the chance of giving a big blow to multinational businessmen, who rule and ruin today's world.
However, the new series of the third season will be released only in 2017, the third season should be expected in the summer. So while we can have patience and wonder what will happen next.
Mr. Robot season 3 release date
October 11, 2017
Mr. Robot is an American drama–thriller television series created by Sam Esmail. It stars Rami Malek as Elliot Alderson, a cybersecurity engineer and hacker who suffers from social anxiety disorder and clinical depression.


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My daily bread 17/04/08
That's a line from Fiddler on the Roof, in a song describing how the Jews of Anatevka prepare to leave as they have been expelled from the district. They review their belongings deciding what to take along and what to leave behind. This is sort of what I am doing (on a much smaller scale) as I decide what I will take to Toronto.
Usually, I just throw some pants and shirts, underwear and socks into a bag and say, "ready to go." I find myself giving it a bit more thought this year, as I look at each item and try to imagine what you would say about it. What kind of memories can I take with me, which will bring things most vividly to mind?
I cannot leave anything behind. I'll have to get a bigger bag to see if I can cram in every moment of time, whether looking at museum exhibits, or walking in the park. If I could describe every moment, I would have to transport many large tomes.
Today was a day of victory of sorts. The snow on the front lawn finally melted! I feel better, as if it is now ok to leave the lawn and let the sun do its work in growing grass.
I also wrote a humour column on Israel in connection with its upcoming 60th anniversary, which proved to be more of a struggle than I thought. We'll see if it gives anyone a laugh or two.


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Zion Williamson, R.J. Barrett and the Blue Devils have been the center of college basketball hype all season.
Their team's legacy, however, will be defined during the next four weeks.
No. 3 seed Duke will begin postseason play Thursday at approximately 9:30 p.m. when the Blue Devils battle No. 6 seed Syracuse in the ACC tournament quarterfinals at the Spectrum Center in Charlotte. After struggling to close out the regular season, Duke should get a boost with the return of Williamson and will look to regain its spot on the top line of the NCAA tournament bracket this week.
"[The ACC has] four teams that have 25 or more wins. That's crazy. It's been a hell of a conference regular season," head coach Mike Krzyzewski said after the Blue Devils' defeat in Chapel Hill last Saturday. "Now, everyone's 0-0 and we go forward."
Following a 23-2 start to the regular season, the Blue Devils dropped three of their final six contests after Williamson sprained his knee in the opening seconds against North Carolina Feb. 20. Duke struggled to complement Barrett's dynamic scoring ability without Williamson's 21.6 points and 8.8 rebounds per contest.
More importantly, Williamson will provide a much-needed interior presence on both ends of the floor for the Blue Devils. Duke managed in the paint with Marques Bolden manning the middle, but Bolden has since been ruled out for the ACC tournament after suffering an MCL sprain against North Carolina Saturday, leaving the Blue Devils thin at the center position.
"We try not to let it impact us at all," Tre Jones said of injuries after Bolden went down. "I've gone down this year, Zion's gone down, and when that's happened, it's set us back as a team a little bit in those games…. We've just got to keep growing as a team. We're in the postseason now, so everything we did in the regular season, we've got to look at and learn from."
Jones' first-half shoulder injury Jan. 14 against Syracuse (20-12) knocked Duke out of its rhythm as the Blue Devils went on to fall 95-91 in overtime despite 35 points from Williamson and a near triple-double from Barrett. Duke (26-5) then avenged that loss Feb. 23 in the team's first full contest without Williamson as Barrett dropped 30 and sophomore Alex O'Connell drained a career-high five triples.
O'Connell has risen to the occasion at times with Williamson sidelined and could provide a much-needed sharpshooter off the bench for the Blue Devils during the postseason. The Roswell, Ga., native has converted 47.6 percent of his triples in the past five games despite going scoreless and missing all four shots he took in the regular-season finale at North Carolina, and he could get more open looks with another dynamic playmaker on the court.
O'Connell also should get significant minutes against the Orange Thursday after averaging 18 points per contest against Syracuse this season, including nine made treys. Duke's ability to connect from downtown will be essential against Jim Boeheim's patented 2-3 zone defense, which can be hard to penetrate at times.
"They play a zone defense, so just being able to space out and then making sure that my teammates have confidence in my shooting—tonight, I did that," O'Connell said after the Blue Devils' 75-65 win at the Carrier Dome. "I was just making sure that all night that the middle of the zone, they can attack it and I'll be spaced ready to shoot for them."
The Blue Devils will also likely catch a break against the Orange as leading scorer Tyus Battle is still recovering from a bruised hip suffered against Clemson in the regular-season finale. After Wednesday night's win against Pittsburgh, Syracuse head coach Jim Boeheim said Battle had "regressed" in his recovery, adding that the junior is "two to three days" away from playing.
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Battle was a key contributor in the Orange's upset win in Cameron, as he totaled a season-high 32 points on 12-for-28 shooting.
If Duke gets past Syracuse Thursday, it will likely set up a third edition of the Tobacco Road rivalry—a 9:30 Friday night showdown between the Blue Devils and Tar Heels that could be a battle not just for an ACC title game spot for a third straight season, but also for a No. 1 seed in the NCAA tournament.
In the event Duke advances to the championship game Saturday at 8:30 p.m., it could end up facing Virginia for the third time this season after the Blue Devils swept the regular-season home-and-home series.
"In order to win a championship, you have to be outstanding," Krzyzewski said. "These guys will react quickly. It depends on Zion, his shape, and I think it'll happen real quick."
Editor's note: This article was updated Thursday at noon after an official announcement that Williamson will return.


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Cape Spin! Coming Soon to Theaters
May 8th, 2012 - posted by Daniel Coffin
Just dropping a note to let everyone know that we will be announcing the summer rollout very shortly, so stay tuned. Feel free to contact us at firstname.lastname@example.com if you're looking to set up a screening or get Cape Spin! into your favorite local theater.
Comments post to the Cape Spin Facebook Page


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Dr. Jones' research program has focused primarily on the quality of life and psychosocial issues of individuals and families facing cancer. Her most recent scholarly and professional activities have clustered around the following platforms:
Jennifer M Jones, PhD
Senior Scientist, Princess Margaret Cancer Centre
- Translational research to inform clinical survivorship careThis platform specifically focuses on examining new approaches to predict, prevent and manage long-term adverse effects of cancer and its treatment and evaluating innovative models of follow-up care and support. This includes: i) Assessment of the prevalence and impact of long-term and late physical and psychosocial effects of cancer and its treatment; ii) Development and evaluation of sustainable and cost-effective psychosocial and self-management interventions for patients and their families and innovative models of care; 3) Integration of evidence into daily clinical practice through the development of integrated KT models and education.
- Fostering innovative health professional and continuing education that is designed to transform the patient experienceThis area of research has included the development and formal evaluation of multidisciplinary training programs in psychosocial oncology and palliative care, patient education, and cancer survivorship care.
Related Links
Support Care Cancer. 2019 Nov 28;:
Cancer. 2019 Jun 17;:
Implementation of a Novel Electronic Patient-Directed Smoking Cessation Platform for Cancer Patients: Interrupted Time Series Analysis.
J Med Internet Res. 2019 Apr 09;21(4):e11735
Cancer Med. 2019 Mar 21;:
Pfilates and Hypopressives for the Treatment of Urinary Incontinence after Radical Prostatectomy: Results of a Feasibility Randomized Controlled Trial.
PM R. 2019 Mar 14;:
Assessment of quality of life, information, and supportive care needs in patients with muscle and non-muscle invasive bladder cancer across the illness trajectory.
Support Care Cancer. 2019 Feb 14;:
Correction to: RiseTx: testing the feasibility of a web application for reducing sedentary behavior among prostate cancer survivors receiving androgen deprivation therapy.
Int J Behav Nutr Phys Act. 2018 Dec 04;15(1):124
Exploring cancer centres for physical activity and sedentary behaviour support for breast cancer survivors.
Curr Oncol. 2018 Oct;25(5):e365-e372
Re: Quality of life and symptom impact of thyroid cancer: A cross-sectional survey of Canadian patients.
Surgery. 2018 Oct 29;:
Patterns, perceptions and their association with changes in alcohol consumption in cancer survivors.
Eur J Cancer Care (Engl). 2018 Oct 16;:e12933
Senior Scientist, Princess Margaret Cancer Centre
Director, Cancer Rehabilitation and Survivorship Program, Princess Margaret Cancer Centre
Associate Professor, Department of Psychiatry (primary) and Dalla Lana School of Public Health (cross-appointment), University of Toronto
Co-Lead, Canadian Cancer Survivorship Research Consortium (www.ccsrc.ca)


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Have any questions? Contact us today on 01157 365 866
Or fill in the form below.
Design Ideas For Your New Fitted Kitchen In Nottingham
01157 365 866
Give us a call today!
As leaders in the kitchen design and installation space, we understand the need for customer satisfaction and it's for this reason we endeavor to leave you inspired and impressed with what we are able to deliver. We always look forward to delivering end-products that are sure to leave you proud every time you use them.
Regardless of whether your budget is as small as £5,000 or as high as £100,000, we can help you find a solution that fits your needs and wishes.
And whether you want to replace one cupboard or create a completely new kitchen, you can trust us to deliver satisfactory results, thanks to our rich experience in kitchen design and installation.
Quality and Longevity
Throughout the many years we've been in existence, we've always believed that what matters most to you as our client is the quality of our products, services offered, and the price that is paid for either or both. That pretty much explains why we don't run our business from high-end showrooms. In fact, we always negotiate with our suppliers to get the best prices.
When it comes to installation, we deal with reputable brands such as 1909, Nobilia, Second Nature. We also double up as suppliers and that means we offer our own extensive range of quality designer products just to ensure each of us has a chance to own quality items at afriendly price.
Customer Service
We have always built our business based on trust and honesty and the result has been solid relationships not just with customers but suppliers as well.
Also note that our passion goes beyond just offering quality products; expect excellent customer service, unique and creative designs, and more importantly, reliable, friendly and professional services.
Project management
You can trust us to have your back from start all the way to finish. This includes all the work from planning to designing to installation. And with our rich experience and proven competency, expect us to deliver a kitchen or bathroom that ticks all the boxes from practicality to beauty.
From your initial contact with us right to the end sign of when you are 100% happy with your new kitchen, we strive to put you as the customer first. Our business is build on excellent relationships with our customers, some of who are repeat customers after moving house or building extensions and in need of another new designed and fitted kitchen.
Rather than move around looking for reliable builders and kitchen installation experts, we save you all that hustle by taking care of every part of the process including the installation. Whichever work you want to be done, we are here to offer you our best help.
We only work with the very best intallers, joiners, tilers and other reputable trades people with whom we have build a relationship over the years. We will deliver you a kitchen to be proud of.
Our address:
Fitted Kitchen Design
29 Bridgford Road
West Bridgford
Have any questions?
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