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17 Jul Sony Pushes the Envelope with the A7RIV
Source: Thomas Fitzgerald Photography
Sony once again demonstrated its technological chops this week releasing a new version of its A7R series. The new model, the A7RIV brings the sensor to an impressive 61megapixels, and the new model also ads improved speed, autofocus and ergonomics. The fact that Sony can fit all this into a pretty small body is even more impressive.
For a certain segment of the market, this will be a significant camera. For some landscape shooters, commercial photographers and so on, the extra megapixels will be welcome. and if 61 megapixels wasn't enough it can do a sensor shift capture to combine multiple photos into a crazy 240megapixels.
What's even more impressive about the A7R4 is that it manages 10fps with a mechanical shutter, and it also has the equally impressive autofocus from the A6400 series. Sony really are showing Canon and Nikon how it's done. To be fair to the other manufacturers, Sony has a considerable head start and technological advantage, but it really throws down the gauntlet.
The only disappointment was that they didn't improve the video quality, but this is primarily a stills camera. Not that the video is bad. It still does proper oversampled 4K (which from a 61mp sensor is impressive) and up to 120fps in 1080p. Some were complaining that it doesn't do 4K 60p but to be honest, I'm not sure that's a big deal for most of the people who would buy this camera. For people who want a big resolution capture
Sony Pushes the Envelope with the A7RIV posted on Thomas Fitzgerald Photography on
Read the full article on Thomas Fitzgerald PhotographyHome


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Mother is amazing. She has embraced modern technology with gusto.
Her iPad is a blessing and she uses it for everything. "Searches" especially. Whether looking up the side effects of medication (All medications seem to cause a rash), reviews of films and plays, recipes, or family history, she has embraced the iPad's attributes and cannot imagine life without it.
But I wish I could say the same about mothers approach to modern packaging.
It is supposedly designed for ease of use, to keep products fresh, and to enable the user to open and re-close the packaging again in order to keep the contents within it well-preserved.
There are the milk cartons – squeeze the flaps, pull them back, press them forward and an opening appears. Then there are the frozen peas – cut above the dotted line, slide the little plastic square back, and like an open zip, the peas are accessible. Or, pull the collar on the drinks bottle outwards and it will slowly uncoil, allowing the user to turn the cap and access its contents.
What innovative inventions. Yes, but totally ignored by mother who sees every form of packaging as an opportunity to use a large pair of kitchen scissors.
There are gaping wide open milk cartons, loose peas all over the freezer compartment, and headless washing up and bleach bottles in the cleaning cupboard.
And her medicine bottles are not only child proof but adult proof too – the process of pushing the cap down and turning it, all at the same time, a very strenuous exercise.
Even I limber up and blow into my hands, legs astride, before trying to open one, and when I'm not there, mother just keeps the caps off.
Which probably explains why mother is now attending keep fit classes again – her stated aim to be able to pull the lids from cans without the little tab coming away in her fingers. (I've found a hammer and a chisel quite useful at these times – it's such a shame to waste food and drink).
As mother says '"Electric can openers are a great help – but don't get her started on those little sardine tins with a key".
I'd nodded in agreement, but inwardly I was thinking about a jar of jam, a door frame, the door I'm going to have to clamp onto the neck of it, and whether or not I should be turning the jam jar clockwise or anti-clockwise in order to get the darn lid off.

subset: commoncrawl


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Laura Nelson Posted 25th August 2017 Laura Nelson is a designer/maker from Yorkshire based in South London. Since an early age Laura has been a lover of all things silver and shiny. Originally trained as a product and furniture designer, her jewellery draws on her design skills and love of making. Laura has a curious […]Read More
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Tide to Take Over Laundromat in Clear Lake on RAGBRAI
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AAA Offers New Membership Benefit: Bicycle Roadside Service
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The Results Are In…
Before we get too far down the road planning RAGBRAI XLV, lets take a quick look back at what a great time we all had in 2016! Here is a ...
A big thanks to nuun hydration for supporting RAGBRAI
A big thanks to nuun for supporting RAGBRAI and keeping riders hydrated this summer!
Thank you to TransIowa Equipment
Thank you to TransIowa Equipment for helping keep the #RAGBRAI towns clean every day!
Thanks Jamis!
Just wanted to thank Jamis Bikes for supporting #RAGBRAI this summer. This is the 3rd year Jamis has brought a fleet of bikes to Iowa.
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RAGBRAI Web Store Now Open!
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RAGBRAI Training: Now that RAGBRAI is Over for Another Year, What Should You Do?
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Adventure Traveler's Video Captures the Essence of RAGBRAI
Check out this great RAGBRAI video from Ryan Van Duzer, who travels the world and creating content aimed at inspiring people to hit the road.


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Q3 2019 Kingstone Companies Inc Earnings Call
Hewlett Nov 30, 2019 (Thomson StreetEvents) -- Edited Transcript of Kingstone Companies Inc earnings conference call or presentation Tuesday, November 12, 2019 at 1:30:00pm GMT
TEXT version of Transcript
Corporate Participants
* Barry B. Goldstein
Kingstone Companies, Inc. - Executive Chairman of the Board & CEO
* Benjamin A. Walden
Kingstone Companies, Inc. - Executive VP & Chief Actuary of Kingstone Insurance Company
* Richard Swartz
Kingstone Companies, Inc. - Controller
Conference Call Participants
* Paul Newsome
* Robert Edward Farnam
Boenning and Scattergood, Inc., Research Division - MD and Analyst of Property & Casualty Insurance
* Scott Preston
The Maven Group, LLC - President & Managing Member
Operator [1]
Greetings, and welcome to the Kingstone Companies 2019 Third Quarter Earnings Call. (Operator Instructions) As a reminder, this conference is being recorded.
It is now my pleasure to introduce your host, Rich Swartz. Thank you, Mr. Swartz. You may begin.
Richard Swartz, Kingstone Companies, Inc. - Controller [2]
Thank you very much, Jenny, and good morning, everyone. Yesterday afternoon, the company issued a press release detailing Kingstone's 2019 third quarter results.
On this call, Kingstone may make forward-looking statements regarding itself and its business. The forward-looking events and circumstances discussed on this call may not occur and could differ materially as a result of known and unknown risk factors and uncertainties affecting Kingstone. For more information, please refer to the section entitled Factors That May Affect Future Results And Financial Condition in Part 1 Item 1a of the company's Form 10-K for the year ended December 31, 2018, along with the commentary on forward-looking statements at the end of the company's earnings release issued yesterday.
In addition, our remarks today include references to non-GAAP measures. For a reconciliation of our non-GAAP measures to the GAAP figures, please see the tables in our earnings release.
With that, I'd like to turn the call over to Kingstone's CEO, Mr. Barry Goldstein. Please go ahead, Mr. Goldstein.
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [3]
Thanks, Rich, and good morning. Thank you all for joining us on our third quarter 2019 conference call. I continue to share your disappointment and frustration with our recent results. No doubt the headline loss is upsetting to all. And believe me, I know misery needs no company. But before we can truly right this ship and focus on a return to profitability in 2020, I want to be as sure as I could that the past would not impair our future.
As mentioned on the August call, only a couple of weeks after my return to day-to-day management, the first action I took was to shut down commercial liability lines. It was those highly volatile lines that were the source of the vast majority of adverse development we recorded this year, including the amount we just booked. In fact, of the amount of adverse development recorded thus far in 2019, 80% of it comes from those same commercial liability lines. But it's important for you to note that the balance of about $2.3 million does relate to personal lines liability claims, but be aware that even after those amounts were added to the reserves, our results over the past 5 years reflect a redundancy in our personal lines reserves.
I'll defer to Ben to discuss the claims reserves. But know that Ben and I agreed we should get an updated viewpoint from an external independent actuary which was conducted during the third quarter. Liability case reserving is a judgmental process that depends on many, many assumptions. Individual opinions can vary and often change as new information becomes available. With all these assumptions, there is a wide range of possible outcomes, especially for commercial lines risks written in New York City. Only as results emerge, can we test if our assumptions are holding up or if they need to be recalibrated and that is what we've done over the past several quarters.
Turning to the rest of our business. Right at the top of my to-do list is a goal to retain our A.M. Best rating of A- Excellent. It took our team from mid-2009 until the first quarter of 2017 to achieve this, something I pride myself on and something I don't want to jeopardize. On an objective basis, we are taking the needed steps to preserve and improve upon the metrics employed by A.M. Best. From a subjective standpoint, Kingstone needs to return to a level of profitability more akin to our historical than our recent results, and we are taking those steps which require us to reduce our growth mandates and instead, focus strictly on profitability.
After many years of maintaining steady premium rates in New York, we've increased our homeowners rates effective November 1. We've applied for increases in other states as well. We've eliminated certain subclasses of business, seeking to deploy our capital where the near-term results can deliver the ROE we've become known for.
Finally, I'm now joined by an old friend, Meryl Golden. I've known Meryl since she ran the Northeast for progressive insurance, and my company was their biggest agent. The timing was finally right for us to work together, and she has, in just 45 days, brought much needed energy and passion to Kingstone and will be joining us on future calls.
Now I'll turn it over to our EVP and Chief Actuary, Ben Walden. Go ahead, Ben.
Benjamin A. Walden, Kingstone Companies, Inc. - Executive VP & Chief Actuary of Kingstone Insurance Company [4]
Thank you, Barry. As mentioned, it's important to note that our reserve adjustments are concentrated in one line that has now been put into runoff. For the last several quarters, we've been working hard to review and take appropriate actions to address commercial lines. As a public company, we've never felt it in our best interest to rely solely on my opinion regarding reserves. In order to ensure an objective and unbiased view, we rely on an independent actuarial consulting firm for our annual reserve opinions. After the liability case reserving issues started to emerge in the first 2 quarters of this year, we had an outside consulting firm perform a complete midyear review of all liability lines. We thought it was prudent to get an external opinion on reserves as soon as possible, rather than waiting for the normal year-end review. The outside actuaries review was completed in the third quarter, and it confirmed my own findings. This led to the additional $5 million in prior year reserve adjustments made this quarter. Of this amount, $4.4 million relates to commercial lines. Of the $11 million in reserve adjustments for the year, $8.8 million is from commercial lines. Writing small contractor and business owner risks in New York City is very difficult, and claims do not age well in these venues. The average claim size for these cases has turned out to be much higher than was originally anticipated.
Following the multiple recent internal and external reviews, we are confident the issues with commercial lines reserving have stabilized and will be put behind us. There are 188 commercial liability cases open as of September. We will be watching these very closely, as we did several years ago when we placed our commercial auto business into runoff.
Last quarter, we noted that we are reviewing reinsurance options for our commercial liability reserves. These could include a full loss portfolio transfer or an adverse development cover. We are still in the process of reviewing the cost of these options, and we'll make a decision before year-end. The good news is that we have taken the actions necessary on commercial lines, and we can now move forward with our profitable personal lines business. The reserve issues seen in commercial lines have not impacted personal lines over the long term. Personal lines business is dominated by fast-paying property claims, and the results are known quickly. These lines are not as strongly affected by the large claim volatility from prior years that we've seen for commercial lines and commercial auto. As Barry noted, we have been -- we have taken several pricing and underwriting actions to further improve our profitability in personal lines. We will begin to see the impact from those changes over the next several quarters.
Now I'll turn it back to Barry for some closing comments.
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [5]
Thanks, Ben. I want you to know that I'm aware that Kingstone has lost much, if not most, of its luster. I will restore the trust to stockholders, but it's going to take me some time. I want the numbers to speak for themselves as they had for so many years. It's a challenge to me, to Ben and to Meryl and Victor and the rest of the Kingstone team to do just that, but we're up to it, and we look forward to 2020 and beyond.
With that, I'll turn the call back to the operator to take some questions.
Questions and Answers
Operator [1]
(Operator Instructions) Our first question is from Paul Newsome with Sandler O'Neill.
Paul Newsome, [2]
Could you talk about the differences between the internal and external reserve estimates? And if there was a significant difference in the pivot you have -- midpoint of the estimated losses. And as well, can you talk about sort of where the reserve peg was placed in those reserve analyses in terms of the actuarial range?
Benjamin A. Walden, Kingstone Companies, Inc. - Executive VP & Chief Actuary of Kingstone Insurance Company [3]
Yes, I could take that, Paul. This is Ben Walden. So we are booking to the central estimate based on our internal review as of September. And as you know, that is what drove the increase in $5 million. We did get an external review as of June, and results of that were used to determine or to confirm where we think our carried reserve should be. But we are very close. We're in line with what the external actuary had through June, if we roll it forward to September. So we feel much more confident at this point that the reserves are where they should be.
Paul Newsome, [4]
And then my second question has to do with the new mandate to focus more on profitability and less on growth. How should we think of the magnitude of change in the growth rate in the core home insurance business with the change in the mandate?
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [5]
I think -- Paul, this is Barry. Thanks for calling in. We've been reporting growth from both our initiatives outside New York, our expansion states as well as within New York. And that's going to be tapered back. I think you should be looking at personal lines growth rates in the low to mid-teens on a going-forward basis. And that would include the impact of pricing changes that will get rolled on.
Operator [6]
The next question is from Bob Farnam with Boenning and Scattergood.
Robert Edward Farnam, Boenning and Scattergood, Inc., Research Division - MD and Analyst of Property & Casualty Insurance [7]
Since you've kind of done more of a full-blown reserve review here with external actuaries, is it more likely that you may choose not to purchase the industrial reinsurance protection, if you're comfortable with the reserves now?
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [8]
Bob, this is Barry. We're still in the market for both an ADC and a loss portfolio transfer. It seems like what we've heard initially is they felt this, though, there's kind of blood in the water when I saw the pricing. We're very comfortable where we are at this point in the reserves. And there's no urgent necessity to moving forward on that now. We're seeing the fruits of what we've done since June. They're out. And we'll review this again before the end of the year, but I think it's probably fair what you said that we've got the reserves to a level that we feel less necessity to go out and purchase a reinsurance solution.
Robert Edward Farnam, Boenning and Scattergood, Inc., Research Division - MD and Analyst of Property & Casualty Insurance [9]
Okay. And the outside actuary that reviewed the reserves at midyear -- as a midyear, that was -- it sounds like that was a different actuary that does your typical -- your full year outside review. Is that the case?
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [10]
No. No, it's not. It's the same actuary. And whatever reason, there's a level of review required when their name is used. So I'm not mentioning their name. But the answer to your question is this is one and the same.
Robert Edward Farnam, Boenning and Scattergood, Inc., Research Division - MD and Analyst of Property & Casualty Insurance [11]
Okay. And then maybe for Ben, you said you've got 188 cases that are still open at the end of September. What type of policy limits are these claims -- the policies that these claims are on? And how are they reserved relative to the limits?
Benjamin A. Walden, Kingstone Companies, Inc. - Executive VP & Chief Actuary of Kingstone Insurance Company [12]
Okay. So the majority of these claims have a $1 million policy limits. There are a few that have a $2 million policy limit. We get very few full limit claims, but the average paid claims severity on these is about $50,000. That's after making the changes that we've adjusted in the third quarter. Prior to that, we were expecting an average claim severity closer to $35,000 $40,000. So that's what's really driving the difference in our reserve estimates at this point.
Robert Edward Farnam, Boenning and Scattergood, Inc., Research Division - MD and Analyst of Property & Casualty Insurance [13]
Okay. And in terms of the personal lines, I know certainly, they had development there, but it was minor, 2 points or so. Just what -- is there any commonality in terms of what types of claims that are driving that?
Benjamin A. Walden, Kingstone Companies, Inc. - Executive VP & Chief Actuary of Kingstone Insurance Company [14]
These are all liability claim issues. We write a lot of policies in the city, and a lot of the personal lines claims are slipping to all claims on sidewalks, they're in venues where you have very difficult challenging outcomes. So there is an overlap between some of the commercial lines and the personal lines. The good news on personal lines is that percentage of claims that fall into that category for personal lines is much smaller than it is on the commercial lines side.
Operator [15]
The next question is from Scott Preston with Maven Fund.
Scott Preston, The Maven Group, LLC - President & Managing Member [16]
2 questions. Barry, first, can you just talk about how the change in what you guys do on the growth side might affect the Cosi relationship you guys, kind of, just started?
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [17]
Yes, I can, Scott. Thanks for the question. That would incorporate Cosi as well. Some of the change in the growth is going to be a reduced desire on our part for those marginal lines of business that we had written previously. To be -- a lot of it had to do with competition. And when we had a competitor willing to write a certain type of line of business, which we didn't or which we didn't stress. We had a choice of trying to preserve and maintain strong relationships with our best producers or otherwise, allowing competitors, even some who are on the call today to pursue that business inside of our stronger agents. So at this point, we're tapering back. We've already made changes to reduce those. And that's going to apply both to -- both in the independent agent channel and the Cosi agency.
Scott Preston, The Maven Group, LLC - President & Managing Member [18]
Okay. And then finally, can you just kind of maybe provide a stair-step for us with your comments about it taking a while to kind of get things back on track. But on the other end, you're saying that you've kind of ring-fenced commercial. So I would think that going forward, the results should improve dramatically if you preserve properly for that. So can you kind of maybe walk through how the next couple of quarters, you might still have some impacts from commercial and how that might have prevented you from kind of returning from those -- to those normal levels of profitability sooner?
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [19]
Yes. When you take even the noise out of where we are today, and just to look at us on an ex cat basis to get to development, we're still running sub-90 combined. That's not going to -- we should stay there and start to improve. But as the price increases take hold, as the changes in underwriting take hold, and without giving any credit to a better outcome from our claims department, our strengthened claims department, we feel that, that combined should go back towards the, call it, the mid-80s, sometime towards the end of next year.
So what happens is we are rolling on an 8.9% increase in New York state, which when you -- it really excludes 2 counties in New York City that we've taken rate in February of last year. So overall, it probably winds up a 9% overall rate change during this year. But from November 1 on, all new business is being booked at those higher rates, but only starting December 15 this year, will the existing policyholders see a pricing change. It's -- we're going to monitor that very carefully to keep an eye on our retention. But at this point, when you start to think about the written premium rolling on, and then you need 12 months to earn out each policy to conclusion, it's going to take us the better part of a year or 1.5 years, till you really get -- we get -- start getting the full benefit of those price changes. So when I say you need patience, this is not a 1-year endeavor. I don't want...
Scott Preston, The Maven Group, LLC - President & Managing Member [20]
Then -- the price increases. But can you just walk through how -- what impacts commercial will still have on the business in the next 4 quarters as you run that off?
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [21]
Well, I'll let Ben take the commercial part of that.
Benjamin A. Walden, Kingstone Companies, Inc. - Executive VP & Chief Actuary of Kingstone Insurance Company [22]
So over the same time period, we're non-renewing all of our commercial lines policies, and that will be completed by the end of third quarter next year. At the same time, we are going to be continuing to close out claims that are currently open, and we think that the reserve levels that we have adjusted till now will be enough to cover that, but we'll see that over the next few quarters. The early results are favorable, as Barry had said.
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [23]
Yes. I don't feel comfortable in giving too much more color than that. Yes, the reserve -- the reset reserves are to the extent that we've closed out claims have been set properly. I'd asked Ben earlier, how many of these claims need to close before we can see some statistical significance out of them, and it's premature. We're not there yet. If, in fact, we get there by the end of this quarter, which it doesn't sound like we will, but it's possible. But as soon as we do, we'll start giving indications so that you'll have a better idea of just how this is panning out.
Operator [24]
There are no further questions at this time. I would like to turn the floor back over to Rich Swartz for closing comments.
Barry B. Goldstein, Kingstone Companies, Inc. - Executive Chairman of the Board & CEO [25]
Yes. Thank you very much. This is Barry Goldstein. All I can say is there's a few things that's happened to me in my life that have been very positive from a professional level, and, perhaps, the most pleasing is my having Meryl Golden join us in managing Kingstone on a going-forward basis. Together with Victor and Ben and the other Kingstone executives acting as a team, I think, we're far better placed now with her managerial expertise and leadership. And I'm sure you'll enjoy speaking to Meryl on the coming calls. Thank you all for your time today. Have a great day.
Operator [26]
This concludes today's teleconference. You may disconnect your lines at this time. Thank you for your participation.


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Actualidad Económica, Tendencias Y Mundo World
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The partnership — titled "Project Nightingale" — entails Google serving … Read the rest


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from The Century Dictionary.
- noun A fog produced by wind blowing over fields of ice.
Sorry, no etymologies found.
< P class = MsoNormal style = "MARGIN: 0in 0in 10pt; TEXT-INDENT: 0. 5in; LINE-HEIGHT: normal; TEXT-ALIGN: justify" > The road is still black as pitch beneath swirls of ice-fog.
An ice-fog lay thick above fields where only last autumn corn had grown high beneath camouflage nets; I couldn't see Carlos, but from the mist I could hear the popcorn sound of guns in full-auto mode, interspersed with the more distant noise of enemy fire.
There is some ice-fog in this valley, a thin haze in the air above the creek, and that is always a sign of cold and stagnant air.
Anna stood in the ice-fog trying to remember what it was she was doing, where she'd been going when she'd exited the tent so precipitously.
It might be natural ice-fog, or it might be more hot venting.
It might be natural ice-fog, or it might be more hot venting.
Steam and hydrogen flame were torn away in white ice-fog; the flaming heat under the ice there was yanked away toward the Antarctic Ocean before it touched us.


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The large global production of plastics and their presence everywhere in the society and the environment create a need for assessing chemical hazards and risks associated with plastic products. The aims of this study were to determine and compare the toxicity of leachates from plastic products made of five plastics types and to identify the class of compounds that is causing the toxicity.
Selected plastic types were those with the largest global annual production, that is, polypropylene, polyethylene, and polyvinyl chloride (PVC), or those composed of hazardous monomers (e.g., PVC, acrylonitrile–butadiene–styrene [ABS], and epoxy). Altogether 26 plastic products were leached in deionized water (3 days at 50°C), and the water phases were tested for acute toxicity to Daphnia magna. Initial Toxicity Identification Evaluations (C18 filtration and EDTA addition) were performed on six leachates.
For eleven leachates (42%) 48-h EC50s (i.e the concentration that causes effect in 50 percent of the test organisms) were below the highest test concentration, 250 g plastic/L. All leachates from plasticized PVC (5/5) and epoxy (5/5) products were toxic (48-h EC50s ranging from 2 to 235 g plastic/L). None of the leachates from polypropylene (5/5), ABS (5/5), and rigid PVC (1/1) products showed toxicity, but one of the five tested HDPE leachates was toxic (48-h EC50 17–24 g plastic/L). Toxicity Identification Evaluations indicated that mainly hydrophobic organics were causing the toxicity and that metals were the main cause for one leachate (metal release was also confirmed by chemical analysis).
Toxic chemicals leached even during the short-term leaching in water, mainly from plasticized PVC and epoxy products.
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The authors would like to thank Wilhelm och Martina Lundgrens Vetenskapsfond (a scientific foundation) for financial support and Prof. Åke Larsson for his comments on the manuscript.
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Lithner, D., Nordensvan, I. & Dave, G. Comparative acute toxicity of leachates from plastic products made of polypropylene, polyethylene, PVC, acrylonitrile–butadiene–styrene, and epoxy to Daphnia magna . Environ Sci Pollut Res 19, 1763–1772 (2012). https://doi.org/10.1007/s11356-011-0663-5
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- Plastics
- Plastic products
- Leachates
- Toxicity
- Daphnia magna
- Epoxy


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A question of industry
A question of industry
THE noose is tightening around the 1 lakh odd industrial units in Delhi. Close on the heels of its closure orders served on 9038 polluting industrial units in the non-conforming areas, the Supreme Court served notices on March 27 to polluting units in Wazirpur and Ashok Vihar industrial estates to clean up their acts or quit the city.
These latter units have been asked to install pollution control measures, like common effluent treatment plants, by June this year. The Department of Environment, Delhi, backed by a sympathetic apex court, is all set to commence an extensive unit-wise survey of the city's industries from April 15 to ascertain the nature of industrial activity and the pollution caused due to it.
Notices have also been served on the governments of Haryana, Uttar Pradesh and Rajasthan to immediately identify areas within the National Capital Region (NCR) Master Plan 2001, for accommodating the industries which will be pushed out of the city.
The government obviously took the orders seriously. They very next day, P K Thungan, Union minister of state for urban development announced the drawing up of a decongestion agenda, including the shifting of a large number of government and public sector undertakings from the Capital.
The industry, however, is unfazed, banking, as it were, on the fact that this cleaning up of Delhi's Augean Stables will take years.
Somnolent for years, the administration's new green zeal has been boosted by the Supreme Court's orders against the industries, which account for 1/3rd of the 2,200 tonnes of pollutants ejected daily into the Capital's air, and the high degree of water pollution. Says D S Negi, Delhi's environment secretary, "Till date, any action by the pollution control authorities was countered by stay orders from the courts." The Supreme Court's orders mean that industry will not have that recourse so easily now.
In its March 24 verdict the court had directed the Central Pollution Control Board (CPCB) to issue notices to 9038 industries -- including Sriram Foods and Fertilizers Ltd, Britannia Foods, the government-owned Modern Foods, Kwality Icecream, Sylvania & Laxman, Pure Drinks etc., -- charged with causing air and water pollution.
The court also passed a verdict against 114 units which, despite being within the conforming areas, were not permitted in the Master Plan. The 2-judge bench remarked that a very grim picture emerged regarding the increase of pollution in the city. Says M C Mehta, environmental lawyer, "Not only are more and more industries coming up in the residential and commercial areas, but the activities in which these industries are involved are highly polluting."
The shifting of polluting industries had become a hypocritical mantra chanted over and over again since the 1st Master Plan was drawn up 30 years ago. Despite provisions of the 1st and 2nd Master Plans, the city administration continued issuing licences to new industries and ignoring those coming up illegally.
But, says I K Kapila, an environmental engineer with the Delhi Pollution Control Committee (DPCC), "During the last couple of years activities against these industries has intensified as organisations like World Health Organisations and National Environmental Engineering Research Institute have placed Delhi as the 4th most polluted city in the world."
Delhi's water pollution record is horrifying. The Yamuna is a river of muck, carrying over its 25 km stretch through the city some 430 million litres of untreated sewerage and 20 million litres of industrial effluents everyday.
Negi adds, "What is more alarming is that more than 1 million litres of DDT alone flows into the river. While the norms say that all the national rivers should have water quality C -- fit for drinking after minor treatment and filtering -- the CPCB has found Yamuna water unfit for bathing."
Though the length of the river basin area of the Yamuna in Delhi is only 2 per cent when compared to Haryana and Uttar Pradesh, the pollution loads contributed by Delhi are 71 per cent of the total waste water and 55 per cent of the total Bio-chemical oxygen demand (BOD) per day. In fact, a study by the Confederation of Indian Industries last year squarely blamed the industries in the non-conforming as well as the industrial estates for causing 'dramatic' upturn in pollution curves.
But while the CPCB estimates talk of 93,000 industrial units in the city, the CII reports insist there are over 1 lakh units. Only about 10,000 of these have environmental clearance from the DPCC and only 31,000 are registered with the civic bodies.
A mere 500 units have installed pollution control measures. There are 86,000 units in the 35 non-conforming areas and the 22 critically polluted industrial estates. The list of non-conforming areas, or those not meant for industrial activities include residential and commercial areas like Connaught Place, Shadipur, Daryaganj, Anand Parbat, Kalkaji, Shahdara, Nand Nagari, Sagarpur and Karol Bagh. In some of these areas can be found highly polluting industries, like rubber and lead reprocessing, poor quality hydrocarbon producers, arc smelters, foundries and tanneries.
Delhi is a magnet for industries: it is well connected by road, the electricity situation is better than in most other states, and raw material is easily available. It is the apple of the government's eye, and amenities are as easily available as lobbyists who can bend laws with alacrity.
But there has to be more determination than diatribe if anything concrete has to come out. The first toddling step in this regard had been taken only in April last year, with the constitution of the NCR Planning Board, under the chairmanship of the Chief Secretary, Delhi. But former minister of state for environment and forests, Maneka Gandhi, told Down To Earth, "The apathy of the government and the administration can be gauged from the fact that till date there is no complete survey of the existing industries in the city. How can shifting be initiated when one does not even know who they are and what they do?"
Negi, however, counters this argument, "We are on the right path. As per the Master Plan and the Environment Protection Act, 1986, a detailed inventory is going to be drawn up."
However, the state government is not going to find it easy to relocate the industries. Jag Pravesh Chandra, leader of the opposition in the Delhi Assembly claims, "Nothing has been done to identify the areas where these factories would be relocated. It is a daunting task to find alternative sites for over 80,000 factories. And then, why should some other states agree to house these factories?"
Vijay Kumar Malhotra, member of the Rajya Sabha adds, "Between 1967-72 all the industries in the non-conforming areas were provided alternative sites. The land they vacated was not acquired by the government, and the proprietors set up other units on them. They now not only have 2 sites, but also bigger pieces of land at throw-away prices."
The 9038 units ordered to be closed by the Supreme Court are, however, in a fix. This is the 1st time that they cannot thwart any relocation or closure move by approaching the courts. The only breathing space for the others is the lack of land and infrastructure in the NCR. The governments of Haryana, Uttar Pradesh, Rajasthan and Punjab have been demanding funds from the Delhi government for creating the infrastructure for relocating these industries, which in turn is not forthcoming.
The authorities also anticipate an immense amount of public resistance to their plans. Almost 1/3 rd of the city's revenue comes from the industry sector. It provides employment to over 1 million people, a majority of whom face prospects of losing their livelihood. Thus, the administration has its work quite cut out.


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A state panel rejects recall petition language against Jackson County's Sheriff. MSU researchers examine the link between opioid overdoses and suicide. A WMU sophomore is the MAC West Defensive player of the week.
(Michigan Radio) A state panel has rejected recall petition language to remove Jackson County's sheriff from office. Sheriff Stephen Rand has been accused of making sexist racist and other inappropriate comments to subordinates. But the state Board of Canvassers decided Monday to reject the proposed recall language because it lacked "specificity."
(WCMU) The opioid epidemic may be masking suicide attempts, according to research out of Michigan State University. Dr. Jennifer Johnson says as many as 20-percent of overdoses could be attempted suicides. She says overdose could be used as a warning sign to get people connected with supports to help them with suicidal thoughts.
Western Michigan University defensive tackle Ralph Holley has been named the Mid-American Conference West Division defensive player of the week. The sophomore made a career high six tackles, including two sacks in the Broncos 27-24 win over Eastern Michigan this past weekend. Holley also forced a fumble that led to a Western touchdown. The Broncos play at Bowling Green on Saturday.


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Rdxhd illegally leaks Shakuntala Devi Movie Online
Updated: Aug 01, 2020 22:42 IST
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Find a Park
View Statewide Map
7 Parks Found
Collier-Seminole State Park
Collier-Seminole State Park lies within one of the largest mangrove swamps in the world. A wide variety of wildlife, including several imperiled species, inhabits this unusual blend of temperate and tropical native plant communities.
20200 Tamiami Trail E.
Naples FL 34114
Faver-Dykes State Park
It's a great day to visit the park and enjoy sitting along Pellicer Creek, take a walk on the nature trail, have a picnic or stay in our campground. Faver-Dykes is conveniently located on the outskirts of St. Augustine, America's oldest city, and close to the highway.
1000 Faver-Dykes Road
St. Augustine FL 32086
Jonathan Dickinson State Park
Sixteen distinct natural communities create the mosaic that is Jonathan Dickinson, the largest state park in Southeast Florida. Rare environments as well as the pristine Loxahatchee River make this park a unique spot to explore on land or by water.
16450 S.E. Federal Hwy.
Hobe Sound FL 33455
St. Andrews State Park
With the Gulf Of Mexico on one side and St. Andrews Bay on the other, those that crave swimming, snorkeling or surfing will be more than satisfied. Well-known for its sugar white sands and emerald green waters, this former military reservation has over one-and-a-half miles of beaches on the Gulf of Mexico and Grand Lagoon.
4607 State Park Ln.
Panama City Beach FL 32408
T.H. Stone Memorial St. Joseph Peninsula State Park
Stretching 20 miles into the blue waters of the Gulf of Mexico, St. Joseph Peninsula is a true wildlife haven. Its powdery beaches and bayside salt marshes are nesting grounds for sea turtles, shore birds and the endangered St. Andrews beach mouse.
8899 Cape San Blas Rd.
Port St. Joe FL 32456


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Cabot Dividend Investor Weekly Update
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Article Excerpt
The FOMC is meeting this week and investors can hardly contain their euphoric bliss. In-the-know pundits are already factoring in a rate cut next month and more before the end of the year. The market rallied strongly yesterday as it salivated over the prospect.


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Beltrami County in the northern part of Minnesota proudly supports 116,000 acres of lakes and 459,000 acres of state forest lands. However, the county is also experiencing significant growth as new businesses move into the area.
In 2019, Delta Dental broke ground on a new, $12 million facility, Stittsworth Meats completed a substantial expansion, and Magnum Trucking deployed a new terminal. This activity has led to a net increase of 1700 jobs in the County.
To continue to bring in new businesses and support the current expansions, Beltrami County must ensure that support teams have reliable connections to digital resources.


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You're only trying to find out more to keep yourself protected or whetheryou're abused by a narcissist, about what a date with a narcissist appears like, learning can be advantageous. Narcissists work in patterns and behaviours. You merely must watch out for the signals. Let us take a look at a few scenarios that can help you peg whether or not you are dating a narcissist or maybe not.
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I'm not his ONE either. Perhaps when he gets to WY leszbian prostitutes, he will meet some angel that has the EDM obsession as him, and he will leave me. Who knows? Does it matter? In life, and in death, we are often separated from the ones we love. Someone moves, it's a bad time, somebody makes a mistake their spouse can't forgive them for, or somebody dies. We lose people because of situation. Because that they created the ones that we were supposed to keep- - they come back. Like this ex- boyfriend you can not get over. If he felt exactly the same way, you'd get back together. You aren't his ONE if he doesn't feel the same way and yours is out there someplace. Then the situation is going to be the same there as it would be if you chose partners on Earth, if we still have romantic partners in Heaven? You choose the person who's ideal for you now. And he'll do the same.
Regrettably, your spouse is trapped in some situation he or she no longer desires to become a part of. The only recourse is to wait it out, as painful as that is. Your spouse may not have a sense of where she or he is headed, today. He or she longs for occasions that are future, but nothing is being supplied. Nothing is coming.


text: March 5th, 2018 | 6:04 pm Love & Hip Hop: Miami Season 1 Episode 10 Songs 1.Sun Comes Up by Rudimental feat. James Arthur _artist_twitter_artist_fbVarious cast members and storylines are wrapped up in an extended finale / CODA sequence.2.Big Fish by Vince Staples feat. Juicy J_artist_twitter_artist_fbTrick Daddy and Trina host a BBQ.


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Friday night tacos with corn & pineapple salsa
All the best food is interactive, and some rare beef tacos with a sweet and spicy salsa are just the ticket on a Friday night after a long week.
You will need
- Thin beef steak
- A pair of sweetcorn on the cob
- A good sized chunk of pineapple, or a few rings from a tin
- A chilli
- A handful of corriandor fine chopped
- Taco trimmings (sliced lettice, grated cheese, sour cream, an inappropriate number of hot sauces)
- Taco shells or (in my case some mini wraps)
- Pop the grill on as hot as possible
- Put the corn, pineapple and chilli under the grill under blackened
- Keep turning until everything is a bit charred on sides. Remove stuff as it's ready (the chilli browns quickly)
- Fry the steak under as well done as you want it, wrap in clingfilm and set aside
- Slice the corn off the cob, chop the pineapple roughly and fine slice the chilli
- Mix corn, pineapple, chilli and corriandor
- Slice the steak finely
- Heat the tacos, prepare all rest of the trimmings
- Assumble everything ready for eating.
The rare meat is melt in the mount. The salsa is a great mix of sweet, hot, charred and chunky. Piling food together and eating with your hands is the way to get close.


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Ironman and Rotary Help Build For The Future
Horwich Rotary President David Winstanley and Vice President Revd David Griffiths called at Bolton Hospice recently to present a cheque for £200 to fund raiser Josie Fowler to help the Hospice build for the future.
The cheque presented was raised by Rotary Charity Fundraisers through the sponsorship of competitors taking part in the very demanding Ironman UK Bolton event.
The Hospice exists to provide palliative and end of life care and it's expensive. Hospice care is not just a building, it is a way of caring for people.
The Hospice needs to raise around £3.2 million a year to continue to provide their services for free. Over its 25 year's history demand for the Hospice has increased considerably.
In order to care for the local people in the future in the best possible environment, Bolton Hospice is now committed to further expand and improve their facilities. This will include improving bedrooms, to be bigger and brighter and have en-suite bathrooms.
Ironman UK athletes and their sponsors with the support of local Rotarians are contributing to this valuable work.


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Incubus at Austin
Incubus are an American alternative rock/funk metal outfit hailing from California. Formed in 1991, the band consists of Brandon Boyd, Mike Einziger, Jose Pasillas, Chris Kilmore and Ben Kenney.
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Date: 27th February, 2020
Time: 7:22pm
Description: At 19:22hrs Dorset and Wiltshire Fire Control mobilised fire crews from Chippenham Fire Station to reports of a property fire in Eastern Avenue, Chippenham. Whilst still on route, Fire Control took multiple calls to the property stating that the property was involved in fire and therefore the decision was made to add an additional fire engine from Corsham Fire Station. Once the first crews from Chippenham were in attendance, they requested for further resources to deal with the fire, with the total number of pumps reaching 9, as well as special support resources including a command support unit, water carrier, British Red Cross vehicle and operational support unit. The crews used 2 breathing apparatus sets, 4 main jets, 2 high-pressure hose reel jets and other equipment to extinguish the fire.
Location: Eastern Ave, Chippenham SN15, UK


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If you have food allergies you know first hand how difficult it can be to find products that everyone in your family can eat. If you don't have food allergies, you might notice that you generally feel better when you avoid certain types of food like wheat, dairy, or excessive amounts of sugar. If you have spent any time trying to find convenience products that fit this bill, you have probably realized how difficult they are to find. Gluten-free products generally contain rice flour (which can contribute to the grainy texture) and loads of sugar. Sometimes they have the texture of cardboard. Sometimes they have that nasty aftertaste from Stevia, aspartame or other artificial sweeteners.
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Can be found here:
- Ogden Farmers Market
- Online


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Black coffee is the purest form of caffeine that you can have. Black coffee is the best way to kick off your day. Generally, coffee contains caffeine that is psychoactive and helps in boosting your mood in the morning, that in turn helps you be active with your routine work.
Having black coffee without sugar can help clean your stomach, as it kills all the microbacterial elements. Moreover, consuming coffee without milk can prevent any kind of acid reflux. In addition to this, it is very easy to prepare as it only involves boiling water up to 175 degrees and then mixing ground coffee in it.
Only 10% of the world's population consumes coffee without milk and sugar due to the bitter taste that it has.
You Will Be Fascinated to Know the Benefits of Coffee Without Milk
- Having a cup of freshly brewed black coffee helps kick start your day with lots of energy and also helps boost your mood
- It acts as a metabolism booster (boosts up your metabolism up to 50%) and has many anti-oxidant properties and hence helps in reducing the body fat.
- This beverage acts as a prime source for Vitamin B2, Vitamin B3, Pro Vitamin B5, Magnesium, Potassium, and Manganese.
- Black coffee can reduce the probabilities of Type 2 diabetes, and helps improve the condition of the liver.
- It prevents cancer as it has anti-cancer health benefits, such as fighting colorectal cancer and preventing liver cancer by 10-15%.
- This brew can help prevent diseases, such as Parkinson's disease, Alzheimer's, etc.
- Black coffee can boost your mood, help you fight depression, and reduce headache.
If Consumed in Large Quantities, Black Coffee Can Have the Below Side-Effects
- Too much coffee intake can make you sleep deprived and can hamper your daily routine.
- Having an extra dose of black coffee can cause constipation, and too much of this beverage can cause mood swings when you are deprived of it.
- Have you ever wondered how much time you waste in standing in a coffee queue and how much harm to the environment you are causing? Every day we throw 4-5 glasses and waste up to an hour in the queue. So, not drinking too much coffee can save time as well as the environment.
- Pure caffeine with tobacco can be life-threatening. It is a common practice to smoke while drinking coffee. Caffeine alone is quite beneficial; however, when mixed with nicotine, it can cause addiction and increase the possibilities of cardiovascular diseases.
To end off, based on the above facts and after going through all the advantages and disadvantages of black coffee, we can conclude that limited consumption of black coffee can help you reduce weight, fight cancer and cause other health benefits, whereas addiction to coffee can make you stubborn, give you mood swings, and cause constipation and acid reflux.
In case of any of the above situation, you can visit your nearest health expert to get needed help. For now, how about a black coffee?


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At Event Planner Provo Orem, we are interested in developing a lifelong relationship with you. Human beings go through many stages of life. Birth, milestone birthdays, graduations, first job, marriage, parenthood, retirement and ultimately transition. We have specialists in various departments able to encapsulate every aspect of life within a tasteful celebration. Our shower team was blessed with the opportunity to design, coordinate and execute both a bridal shower and baby shower for Rudy and Matthew. It all starts with an initial consultation. The shower team assists with the registry, vendor coordination, invitations and venue management.
Baby and Bridal Shower Consultations
Event planning committees are becoming increasingly popular. Perhaps you already have friends and family in place. Willing to take on the responsibilities of bringing your ideas to fruition. In many cases, we have worked with couples, moms and daughters with limited budgets. Our shower team can offer our professional expertise, while you and your team execute the details. It is our pleasure to assist in whatever way we can. Our team possesses the expertise, high taste level and contacts to provide valuable assistance for your baby and bridal shower. Consultations are gratis for those interested in enlisting Event Planner Provo Orem for design, coordination and execution services.
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It's important to understand your budget and know what you want. If this is your first time at the rodeo, we are empathetic to the fact that you may not now what your options are in totality. It was Rudy and Matthew's first wedding. They came from rather large families. There was no way their loved ones would let them skip out on a proper baby shower. Instead of burdening Rudy's best friends with the planning, coordination and execution, they hired Event Planner Provo Orem to assist. After using our soft skills to discern what the couple wanted during the initial consultation, our shower team dove head first into the planning, coordinating and executing the most beautiful baby shower anyone had ever experienced.
Registry and Vendor Coordination
Some of the couples we have worked with decided to forego the registry. Instead, they opted to have loved ones donate to an orphanage, organization's that serve single mothers or fertility research. Ultimately, the choice is up to the client. Should you decide to have a registry for your baby or bridal shower, we can help. With over two decades of experience, we can complete the registry on your behalf. Our shower team has a preferred list of retailers with superior quality products and services. Then there are is the cake and food vendor to contend with. Entertainment and décor must also be included. We can handle vendor management from A to Z.
Invitations and Venue Management
In this digital age, you may decide to bypass hard copy invitations. Either way, you still want to grab the recipient's attention and be able to keep track of RSVPs. If you're a traditionalist and want to hallmark the occasion with a weighted invitation, our shower team is ready and willing. We work with one graphic designer and two printers that meet our client's expectations. Whether you'd prefer a modern, traditional or chic styled invitation, our team can execute your specifications. Would you like an intimate and simple or lavish and grand shower? The venue will dictate the final experience. Enlist us to take control of venue management.


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The Kitchen Inc. building new headquarters in Springfield, Mo.
A Springfield nonprofit that serves the homeless is in the middle of a big construction project.
The Kitchen Inc. has been in the Commercial Street area for many years, but a two story building going up near Glenstone and Chestnut will be their new headquarters.
The stairwells and steel frame are up on the future Sam and June Hamra Family Support Services building. "This campaign and this focus of our campus was brainstormed several years ago and started into fruition in 2017," says The Kitchen Inc. CEO, Meleah Spencer. "So eventually, we'll be all together here."
It will house The Kitchen's donation center, administration and case managers. The emergency shelter building opened a year ago on their new O'Reilly family campus near Glenstone and Chestnut.
"The great thing about this is we're on a main street," says Spencer.
People working on permanent housing stay in the shelter for three to six months. But in the new building, case managers will work with many more looking for housing.
"The space that we're in right now; it's difficult to accommodate all the clients that we see, and those numbers have been increasing," says Valarie Wolfe, Home at Last program coordinator.
Today, The Kitchen's Home at Last program staff were at the veteran stand-down, and so was army veteran Keith Tedder.
"I had a medical problem, and so we were essentially homeless," says Tedder.
The Kitchen's program just got them into an apartment a couple weeks ago. "It's really good," says Tedder.
He believes The Kitchen's new headquarters will help more people find out about all they offer, and it will be easier to find The Kitchen's offices.
It's one of the reasons The Kitchen chose the spot, which is even on the bus route.
"When you're relying on bus transportation, that is a big thing here in Springfield," Spencer says.
It's all to ensure those looking for a home can find the help they need.
Spencer says The Kitchen has nearly $2 million more to raise, but they hope to move into the new building by this summer.


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syinix Electronics
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Syinix 1.5 HP Split Air Conditioner
The Syinix Split Air Conditional ACS12C01 – 1.5HP is one of the unique and comfortable AC that can m..
Syinix 1HP Split A/C+Installation Kit
Extraordinary Air Conditioner with undisturbed cooling available on Tienda26. Syinix is a Japan-base..
Syinix 2 HP Split AC Plus Installation Kits
Undisturbed cooling as it should be. This extraordinary air conditioner brings over convenience at l..
Showing 1 to 3 of 3 (1 Pages)


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haley is a twentysomething white cis lady originally from napa valley and now living in oakland, california with her husband and cat. by day she is a mobile developer turned engineering manager at a tech company, and the rest of the time you can find her in the garden, in the kitchen, or out exploring new bars and restaurants.
you can find her on twitter at @haley and on instagram at @midiprincess


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