text: TCRLA_Public/150831.mbx T R O U B L E D C O M P A N Y R E P O R T E R L A T I N A M E R I C A Monday, August 31, 2015, Vol. 16, No. 171 HeadlinesA R G E N T I N ABANCO ITAU: Moody's Affirms B1 Long-Term Global LC Deposit RatingB R A Z I LCOMPANHIA DE SANEAMENTO: Moody's Assigns Ba1 Corp Family RatingC A Y M A N I S L A N D SCHAUMET INVESTMENTS: Shareholders' Final Meeting Set for Oct. 22COLORADO SECURITIES: Shareholders' Final Meeting Set for Sept. 7FIFTH AVENUE: Shareholder to Hear Wind-Up Report on Sept. 30FIFTH AVENUE VALUE: Shareholder to Hear Wind-Up Report on Sept. 30ISLAND PROPERTY: Shareholder to Hear Wind-Up Report on Sept. 7LUXURY HOLDINGS: Shareholders' Final Meeting Set for Oct. 22NAMBU COMPANY: Member to Hear Wind-Up Report on Sept. 14SAMPRASS LIMITED: Shareholder to Hear Wind-Up Report on Sept. 8TIMEPIECE HOLDINGS: Shareholders' Final Meeting Set for Oct. 22VIRGIL HOLDINGS: Shareholder to Hear Wind-Up Report on Sept. 7D O M I N I C A N R E P U B L I CDOMINICAN REPUBLIC: Truckers End Strike at Border With HaitiG R E N A D AGRENADA: Making Progress Implementing Economic Program, IMF SaysJ A M A I C AJAMAICA: More Devaluation ExpectationsJAMAICA: Business Leaders Expect Low InflationP E R UPETROPERU: Not Prepared to Operate Country's Largest Oil BlockT R I N I D A D & T O B A G OTRINIDAD & TOBAGO: Cash Inflows to Provide Cushion, Howai SaysX X X X X X X X X* BOND PRICING: For the Week From Aug. 24 to Aug. 28, 2015 - - - - -=================A R G E N T I N A=================BANCO ITAU: Moody's Affirms B1 Long-Term Global LC Deposit Rating-----------------------------------------------------------------Moody's Latin America Agente de Calificacion de Riesgo (Moody's)affirmed Banco Itau Argentina S.A.'s (BIA) B1 global scale andAaa.ar national scale local currency deposit and senior unsecuredratings as well as the Caa2 global scale and Ba2.ar national scaleforeign currency deposit ratings. The outlook for all ratings isnegative. At the same time, Moody's affirmed BIA's baseline creditassessment (BCA) at caa1 and downgraded the bank's adjusted BCA toba2 from ba1.The following ratings and assessments were affirmed:Long-Term Global Local-Currency Deposit Rating: B1Argentinean National Scale Local-Currency Deposit Rating: Aaa.arLong-Term Global Foreign-Currency Deposit Rating: Caa2Argentinean National Scale Foreign-Currency Deposit Rating: Ba2.arShort-Term Global Local and Foreign-Currency Deposit Rating: NotPrimeLong-Term Global Local-Currency Senior Unsecured MTN Rating: (P)B1Argentinean National Scale Local-Currency Senior Unsecured MTNRating and Senior Unsecured: Aaa.arLong-Term Global Foreign-Currency Senior Unsecured MTN Rating:(P)Caa1Argentinean National Scale Foreign-Currency Senior Unsecured MTNRating: Baa1.arLong-Term Global Local-Currency Senior Unsecured Rating: B1Long-Term Global Local-Currency Senior Unsecured Rating: Aaa.arBaseline credit assessment: caa1Long-Term Counterparty risk assessment: B1(cr)Short-Term Counterparty risk assessment: Not Prime(cr)The following assessment was downgraded:Adjusted baseline credit assessment: to ba2 from ba1RATINGS RATIONALEBanco Itau Argentina's ratings derive from its caa1 standalonecredit assessment and incorporates affiliate support to beprovided to the bank by its main shareholder, Itau Unibanco S.A.(BIU). Following Brazil's government bond rating downgrade to Baa3from Baa2, BIU was downgraded to Baa3 from Baa2, which indicatesrelatively lower capacity to provide support to its Argentinesubsidiary and as a result, we downgraded BIA's adjusted BCA toba2 from ba1. Nevertheless, thanks to affiliate support, ItauArgentina remains one of the strongest credits in Argentina, asreflected in its Aaa.ar national scale local currency debt anddeposit ratings. As BIA's ratings continue to be constrained byArgentina's local and foreign currency deposit and bond ceilings,they were affirmed.In affirming BIA's standalone assessment, Moody's considered thechallenging operating environment in Argentina, characterized byhigh inflation and weak economic growth, which will continue tojeopardize borrowers debt service capacity and impact the bank'snon-perfoming loan ratio, which more than doubles Argentina'sbanking system average as of June 2015, as a result of both higherdelinquencies and loan book contraction in real terms.BIA's ratings also incorporate the risks related to increasinggovernment regulation through mechanisms unfavorable to theearnings generation, such as lending mandates, lending rate capsand deposit rate floors. Profitability has also suffered becauseof the high level of competition from other local andinternational banks, which have been more aggressive than BIA inrecent years. While reported profitability metrics appear toremain strong despite these challenges, they are considerablyweaker when adjusted for the country's very high rate ofinflation. Even if net income has been reinvested as a result ofregulatory restrictions to distribute dividends in place inArgentina, BIA's capitalization remains modest when compared tothe banking system. Other key risks include the bank's relativelyhigh depositor concentrations.These risks and challenges are partly offset by the bank's well-established retail and corporate franchise, its experiencedmanagement team, its healthy earnings diversification as a resultof relatively high non-interest income, and its healthy liquiditymetrics.The negative outlook reflects the negative outlook on thesovereign coupled with the deteriorating operating environmentprompted by Argentina's default. The ratings could face downwardpressure if the operating environment deteriorates further,affecting the entities' business prospects, asset quality,profitability or capitalization or if the sovereign bond ratingand/or the country ceiling are downgraded.Banco Itau Argentina S.A. is headquartered in Buenos Aires, withassets of ARS 17.2 billion and equity of ARS 2.12 billion as ofJune 2015.===========B R A Z I L===========COMPANHIA DE SANEAMENTO: Moody's Assigns Ba1 Corp Family Rating---------------------------------------------------------------Moody's America Latina Ltda withdrew Companhia de SaneamentoBasico do Estado de Sao Paulo's (Sabesp) former Issuer ratings ofBaa3/Aa1.br and assigned a Corporate Family rating of Ba1 on theglobal scale and Aa2.br on the Brazilian national scale. At thesame time, Moody's lowered Sabesp's bca (baseline creditassessment) to ba2 from ba1. The outlook remains negative.In accordance with Moody's methodology for government relatedissuers, or GRIs, the Ba1 corporate family rating of SABESPreflects the combination of the following inputs: -- Baseline credit assessment (BCA) ba2 -- High-level dependence -- Strong level of government support -- The Baa3 rating of the State Government of Sao Paulo, whichhas a stable outlookUsing the above inputs the application of the GRI methodologyresults in a Ba1 ratingRATINGS RATIONALEThe downgrade on Sabesp's ratings reflects Moody's opinion thatthe company's recent weaker credit metrics will continue over themedium-term horizon and that its liquidity position is likely tocontinue to deteriorate.Sabesp's weaker credit metrics will mostly come from lower volumesales and the added financial costs associated with the company'swater savings program, increased debt levels to support itssizeable capital expenditure program and the devaluation of theBrazilian currency since over 40% of the company's debt is peggedto the American dollar or Japanese Yen.Sabesp has historically been able to steadily access the bankingand capital markets and has consistently secured long-term debt atvery low interest rates to finance its capital expendituresprogram as attested by the company's long dated debt maturityprofile with around 74% of its debt maturing beyond 2017.While Moody's expects this pattern to continue over the medium-term horizon the agency believes that Sabesp's liquidity positionwill remain under pressure in the near term, particularly giventhe potential breach of some financial covenants embedded in mostof the company's outstanding debt which would entitle creditors toaccelerate their debt payments if the breach were to occur in twoconsecutive quarters or in two separate quarters within the periodof one year.The total debt to EBITDA ratio of 3.65x stands out as the mostrelevant financial covenant that could be breached within the nexttwo or three quarters, which will ultimately depend onmanagement's ability to improve its operational performance andcontain the growth of its debt to a more manageable level. Underthis potential scenario, Moody's believes that the company isslated to renegotiate the terms and conditions or obtain waiversfrom most of its creditors to avoid the acceleration of its debtbut there is no assurance that this strategy will fully succeed.The negative outlook reflects the uncertainties about thecompany's ability to circumvent the expected deterioration in itsliquidity position as well as a further weakening of its creditmetrics, which would occur should the company impose a compulsoryreduction in water consumption because of the very critical lowwater levels of the company's two most important water reservoirs.In light of this rating action an upgrade is very unlikely in themedium term.Moody's would consider a further downgrade if it perceives apronounced deterioration of the company's liquidity or a furtherweakening of its credit metrics such that funds from operations(FFO) over debt falls below 10% or interest coverage stays below3.0x on a sustainable basis.A perception of a lower level of support from the regulatoryframework or the downgrade of the rating of the state of Sao Paulocould also trigger a downgrade rating action.SABESP is the largest Brazilian sanitation company as it provideswater and sewage services to 364 municipalities in the state ofSao Paulo. The state government of Sao Paulo is SABESP's majorshareholder, holding 50.3% of its total and voting capital. Thecompany's shares are listed in the Brazilian stock exchange(BM&FBovespa) and New York stock exchange. As per Moody's standardadjustments, in the last twelve months ended June 30, 2015, SABESPposted consolidated net sales of BRL 7,757 million, which does notinclude construction revenues, and net profit of BRL 778 million.==========================C A Y M A N I S L A N D S==========================CHAUMET INVESTMENTS: Shareholders' Final Meeting Set for Oct. 22----------------------------------------------------------------The shareholders of Chaumet Investments Limited will hold theirfinal meeting on Oct. 22, 2015, at 10:15 a.m., to receive theliquidator's report on the company's wind-up proceedings andproperty disposal.The company's liquidator is: Mufeed Rajab c/o Dominique Massias P.O. Box 1111 Grand Cayman KY1-1102 Cayman Islands Telephone: (345) 949 5122 Facsimile: (345) 949 7920COLORADO SECURITIES: Shareholders' Final Meeting Set for Sept. 7----------------------------------------------------------------The shareholders of Colorado Securities Limited will hold theirfinal meeting on Sept. 7, 2015, to receive the liquidator's reporton the company's wind-up proceedings and property disposal.The company's liquidator is: Commerce Corporate Services Limited P.O. Box 694 Grand Cayman Cayman Islands Telephone: 949 8666 Facsimile: 949 0626FIFTH AVENUE: Shareholder to Hear Wind-Up Report on Sept. 30------------------------------------------------------------The shareholder of Fifth Avenue Global Equity Offshore Fund Ltd.will hear on Sept. 30, 2015, at 10:30 a.m., the liquidator'sreport on the company's wind-up proceedings and property disposal.The company's liquidator is: Jacqueline Stirling Bessemer Trust Company (Cayman) Limited P.O. Box 2254 Grand Cayman KY1-1107 Cayman Islands Telephone: (345) 949-6674 Facsimile: (345) 945-2722FIFTH AVENUE VALUE: Shareholder to Hear Wind-Up Report on Sept. 30------------------------------------------------------------------The shareholder of Fifth Avenue Value Creation Offshore Fund Ltd.will hear on Sept. 30, 2015, at 11:00 a.m., the liquidator'sreport on the company's wind-up proceedings and property disposal.The company's liquidator is: Jacqueline Stirling Bessemer Trust Company (Cayman) Limited P.O. Box 2254 Grand Cayman KY1-1107 Cayman Islands Telephone: (345) 949-6674 Facsimile: (345) 945-2722ISLAND PROPERTY: Shareholder to Hear Wind-Up Report on Sept. 7--------------------------------------------------------------The shareholder of Island Property Inc will hear on Sept. 7, 2015,the liquidator's report on the company's wind-up proceedings andproperty disposal.The company's liquidator is: Commerce Corporate Services Limited P.O. Box 694 Grand Cayman Cayman Islands Telephone: 949 8666 Facsimile: 949 0626LUXURY HOLDINGS: Shareholders' Final Meeting Set for Oct. 22------------------------------------------------------------The shareholders of Luxury Holdings Limited will hold their finalmeeting on Oct. 22, 2015, at 10:30 a.m., to receive theliquidator's report on the company's wind-up proceedings andproperty disposal.The company's liquidator is: Mufeed Rajab c/o Dominique Massias P.O. Box 1111 Grand Cayman KY1-1102 Cayman Islands Telephone: (345) 949 5122 Facsimile: (345) 949 7920NAMBU COMPANY: Member to Hear Wind-Up Report on Sept. 14--------------------------------------------------------The member of Nambu Company Limited will hear on Sept. 14, 2015,at 12:00 noon, the liquidator's report on the company's wind-upproceedings and property disposal.The company's liquidator is: Lion International Management Limited P.O. Box 71 Craigmuir Chambers Road Town, Tortola British Virgin IslandsSAMPRASS LIMITED: Shareholder to Hear Wind-Up Report on Sept. 8---------------------------------------------------------------The shareholder of Samprass Limited will hear on Sept. 8, 2015, at10:00 a.m., the liquidators' report on the company's wind-upproceedings and property disposal.The company's liquidators are: Probitas Limited Equitas Limited Clifton House 75 Fort Street P.O. Box 1350 Grand Cayman KY1-1108 Cayman IslandsTIMEPIECE HOLDINGS: Shareholders' Final Meeting Set for Oct. 22---------------------------------------------------------------The shareholders of Timepiece Holdings Limited will hold theirfinal meeting on Oct. 22, 2015, at 10:00 a.m., to receive theliquidator's report on the company's wind-up proceedings andproperty disposal.The company's liquidator is: Mufeed Rajab c/o Dominique Massias P.O. Box 1111 Grand Cayman KY1-1102 Cayman Islands Telephone: (345) 949 5122 Facsimile: (345) 949 7920VIRGIL HOLDINGS: Shareholder to Hear Wind-Up Report on Sept. 7--------------------------------------------------------------The shareholder of Virgil Holdings Ltd will hear on Sept. 7, 2015,the liquidator's report on the company's wind-up proceedings andproperty disposal.The company's liquidator is: Commerce Corporate Services Limited P.O. Box 694 Grand Cayman Cayman Islands Telephone: 949 8666 Facsimile: 949 0626===================================D O M I N I C A N R E P U B L I C===================================DOMINICAN REPUBLIC: Truckers End Strike at Border With Haiti------------------------------------------------------------Dominican Today reports that following the conclusion of anagreement, the strike of Dominican truckers and carriers waslifted Aug. 28, according to a statement by the TechnicalCommission of Management and Border Development (CTF) of theHaitian Government, quoted by Haitilibre.com.The digital outlet reported that negotiations between members ofthe Executive Secretariat of CTF, the Management Board of theUnion of Haitians Border Transporters (FENATRATH) and those of theDominican truckers' union (FENATRADO) allowed to reach anagreement that puts an end to the strike, which began on August 3,according to Dominican Today."The agreement is the result of a shared understanding of thevarious protagonists to reactivate the trans-border traffic andensure the regular flow of traffic of people and goods," thestatement said, the report notes.FENATRADO President Blas Peralta announced that Dominican truckershad begun to cross the border again loaded with goods, the reportadds.=============G R E N A D A=============GRENADA: Making Progress Implementing Economic Program, IMF Says----------------------------------------------------------------An International Monetary Fund (IMF) team led by NicoleLaframboise visited Grenada from August 20-27, 2015 to conductdiscussions on the third review of Grenada's IMF-supported programunder the Extended Credit Facility (ECF). The ECF arrangement wasapproved on June 26, 2014 for an amount of SDR 14.04 million (thenUS$21.7 million, or 120 percent of Grenada's quota at the IMF).The first and second reviews were completed on December 12, 2014and June 29, 2015 respectively. Total resources of SDR 6.04million (about US$8.5 million) have been made available to Grenadaunder the arrangement.At the conclusion of the visit, Ms. Laframboise made the followingstatement:"Grenada is making solid progress implementing its home growneconomic program, restoring fiscal sustainability, and laying thegroundwork for stronger growth. All quantitative performancecriteria for end-June were met, with the exception of the floor onsocial spending -- an indicative target -- due to technicalproblems related to information systems for the flagship socialassistance program SEED. Real GDP (at market prices) expanded by5.7 percent in 2014, driven by a rebound in key agriculture cropsand strong demand for tourism services. For similar reasons weproject growth of 3.1 percent in 2015 compared to 1.7 percent atthe time of the second review in mid-2015. The external positionhas strengthened, boosted likewise by lower oil prices andstronger tourism receipts."The fiscal performance is also positive, with the Government ontrack this year to deliver its first primary surplus in over adecade. Tax revenues have recovered to pre-crisis levels andexpenditures are being kept under strict control. The Governmenthas continued to repay its budget expenditure arrears and isexpected to clear them fully by the end of this year.The debt restructuring agreement with private creditors isexpected to be concluded in the coming weeks. It will be importantto finalize this agreement promptly so as to clear uncertaintyregarding financing and unleash confidence and investment."The Government pushed through a substantive agenda of legislativereforms in 2014/15 to strengthen the fiscal policy framework, taxincentive regime, and public finance management. These reforms,particularly the Fiscal Responsibility Legislation, have built asolid institutional foundation for fiscal prudence and disciplinethat will help secure and maintain a sustainable fiscal positionover the long term."Despite these positive developments, the reform job is notfinished. Unemployment remains high, particularly among the youth.Credit growth is still contracting and access to credit remainsdifficult. While activity has picked up, staff agree with theauthorities that reform efforts in the next phase of the programshould focus on measures to boost employment and foster broad-based growth that raises real incomes for low and middle incomegroups."In this respect, the team made progress toward agreement onstructural reform measures directed at improving the supplyresponse, including strengthening incentives for employmentcreation. The Government is also following through on theirstrategy to reform state owned enterprises so as to boost thequality and efficiency of public goods and services. The team alsoagreed with the authorities on overall fiscal targets for 2016 andrelated budget measures."Discussions will continue in the coming days via videoconferencefrom Washington, D.C. to refine details and secure a timelycompletion of the third review."Staying the course will lead to improved economic opportunitiesfor the people of Grenada, so we encourage Grenada to press aheadon its reform path. The IMF remains committed to supporting theGovernment of Grenada in its pursuit of fiscal sustainability andstronger growth. The team would like to thank the authorities andrepresentatives from the private sector for their cooperation andhospitality."The team met with the Prime Minister and Minister of Finance andEnergy, Dr. The Rt. Hon. Keith C. Mitchell; the Minister ofCommunication, Works, Physical Development, Public Utilities andICT, Hon. Gregory Bowen; the Minister of Economic Development,Trade, Planning, Cooperatives and International Business, Hon.Oliver Joseph; the Permanent Secretary of the Ministry of Finance,Timothy Antoine; the Executive Director of the Grenada Authorityfor the Regulation of Financial Institutions, Angus Smith; DeputyPermanent Secretary of the Ministry of Finance, Mike Sylvester,and other senior officials, representatives of the private sector,labour, and civil society, and the Monitoring Committee for theHome-Grown Program. A representative from the Eastern CaribbeanCentral Bank accompanied the team during the visit.=============J A M A I C A=============JAMAICA: More Devaluation Expectations--------------------------------------RJR News reports that Jamaica's business leaders are expecting thepace at which the Jamaican dollar loses value to increase in thenext three-to-six months.The projections were outlined in the Bank of Jamaica's July surveyof inflation expectations, according to RJR News.The report notes that the survey shows business leaders areexpecting the dollar to lose 1.4% of its value in the next threemonths, and 2.6% in six months. That is compared to the survey inMay, which showed the expectation was for a one per centdepreciation of the currency in three months and 1.5 per cent insix months, the report relays.Those same business leaders however said they expect the dollar'sdepreciation to slow in the next 12 months to 3.8 per cent, versusprevious predictions that it will slide by 4.3 per cent, thereport adds. * * *As reported in Troubled Company Reporter-Latin America on July 29,2015, Standard & Poor's Ratings Services assigned its 'B' issuerating on Jamaica's up to US$2 billion in bonds issued in twotranches. The first tranche is for up to US$1,350 million due in2028. The second tranche is for up to US$650 million due in 2045.The government will use the proceeds to purchase debt that Jamaicaowes to Venezuela as well as to finance the government's 2015/2016budget.JAMAICA: Business Leaders Expect Low Inflation----------------------------------------------RJR News reports that Jamaica's business leaders are expectingprice increase in the next 12 months to be moderate.The expectations were outlined in the latest Bank of Jamaicasurvey on inflation expectations which was conducted in July,according to RJR News.The survey, which serves as a guide to the central bank incharting its policy decisions, shows business leaders expectinflation in the next 12 months to be four per cent, the reportnotes.That is well below the target the central bank has set forinflation during that period. The forecast is that inflation willfall in the range of 5.5% to 7.5% in the current fiscal year, thereport relays.The medium term target is to reduce price increases in line withthat of the country's major trading partners, which should help toreduce the pace at which the Jamaican dollar loses value, thereport adds. * * *As reported in Troubled Company Reporter-Latin America on July 29,2015, Standard & Poor's Ratings Services assigned its 'B' issuerating on Jamaica's up to US$2 billion in bonds issued in twotranches. The first tranche is for up to US$1,350 million due in2028. The second tranche is for up to US$650 million due in 2045.The government will use the proceeds to purchase debt that Jamaicaowes to Venezuela as well as to finance the government's 2015/2016budget.=======P E R U=======PETROPERU: Not Prepared to Operate Country's Largest Oil Block--------------------------------------------------------------EFE News reports that Peru's prime minister told lawmakers thatstate-owned PetroPeru lacks the technical expertise, specializedequipment and financial resources to operate Lot 192, thecountry's largest oil block."It would be irresponsible for technical reasons to assign thistask to PetroPeru. It lacks the technical personnel, it doesn'thave the necessary equipment and the government lacks the funds toallocate the 700 million soles (some $212 million)" needed forcrude production, Pedro Cateriano said, according to EFE News.The report notes that the rights to develop Lot 192 were awardedfor two years to Pacific Stratus Energy, a unit of Toronto-basedPacific Rubiales Energy, to maintain production after a failedinternational bidding process, he added.But authorities and indigenous and grassroots groups in thenorthern region of Loreto, where the block is located, havecriticized that process and are demanding that the government takeover operation of Lot 192 to guarantee the correction ofenvironmental liabilities, the report relates."At present, PetroPeru is immersed in the process of upgrading theTalara refinery, a megaproject that is the government's exclusiveresponsibility," Energy and Mines Minister Rosa Maria Ortiz, whoaccompanied Cateriano during his appearance before Congress, toldthe legislators, the report discloses.Lot 192, located near Peru's border with Ecuador, yields around11,000 barrels of crude per day from 16 wells and accounts for 17percent of the country's total oil production, the report notes.The block had been developed since 2001 by Argentine oil companyPluspetrol.With that firm's contract expiring and a recent internationalbidding process failing to attract interest, the Peruviangovernment directly awarded the block to Pacific Stratus Energy,the report relays.Indigenous communities accuse Pluspetrol of polluting the area andnot paying compensation for use of their ancestral lands, thereport adds.================================T R I N I D A D & T O B A G O================================TRINIDAD & TOBAGO: Cash Inflows to Provide Cushion, Howai Says--------------------------------------------------------------Trinidad Express reports that Trinidad and Tobago government willbe receiving one-off cash inflows which will provide a significantcushion and enable it to make any fiscal adjustments in thecontext of anticipated lower oil prices over the next year andperhaps over the medium term.This is the assurance given by Finance Minister Larry Howai at thepost-Cabinet news conference at the Office of the Prime Minister,St. Clair, according to Trinidad Express.=================X X X X X X X X X=================* BOND PRICING: For the Week From Aug. 24 to Aug. 28, 2015----------------------------------------------------------Issuer Name Cpn Bid Price Maturity Date Country Curr----------- --- --------- ------------- ------- ----Anton OilfieldServicesGroup/Hong Kong 7.5 74.65 11/6/2018 CN USDArgentina Bocon 2 307 1/3/2016 AR ARSArgentina Bocon 20.5 50.3 1/4/2016 AR ARSArgentina BonarBonds 23.6 9/10/2015 AR ARSAutomotoresGildemeister SA 8.25 49.25 5/24/2021 CL USDAutomotoresGildemeister SA 6.75 49 1/15/2023 CL USDAutomotoresGildemeister SA 8.25 48.87 5/24/2021 CL USDAutomotoresGildemeister SA 6.75 46.12 1/15/2023 CL USDBA-CA FinanceCayman 2 Ltd 0.69 60.5 KY EURBA-CA FinanceCayman Ltd 0.60 60 KY EURBanco do BrasilSA/Cayman 6.25 65.08 KY USDBanco do BrasilSA/Cayman 6.25 65.26 KY USDBanco Mercantildo Brasil SA 9.62 75.25 7/16/2020 BR USDBCP Finance Co 2.05 57.53 KY EURCA LaElectricidadde Caracas 8.5 41.2 4/10/2018 VE USDChina PreciousMetal ResourcesHoldings Co Ltd 7.25 44.98 2/4/2018 HK HKDCia CerveceriasUnidas SA 450.45 12/1/2024 CL CLPCia SudAmericanade Vapores SA 6.4 56.36 10/1/2022 CL CLPCSN IslandsXI Corp 6.87 72.5 9/21/2019 KY USDCSN IslandsXI Corp 6.87 88.75 9/21/2019 KY USDCSN IslandsXII Corp 7 59.5 BR USDCSN IslandsXII Corp 7 58.75 BR USDDecimo PrimerFideicomisode Bonos dePrestamosHipoteca 4.54 60 10/25/2041 PA USDEmpresa delos Ferrocarrilesdel Estado 6.56 1/1/2026 CL CLPEmpresaDistribuidora YComercializadoraNorte 10.5 84.75 10/9/2017 AR USDESFGInternationalLtd 5.75 0.41 KY EURGeneralExplorationPartners Inc 11.5 63.62 11/13/2018 CA USDGeneralShoppingFinance Ltd 10 51 KY USDGloriousPropertyHoldings Ltd 13.25 58.03 3/4/2018 HK USDGol Finance 8.75 65 BR USDGol Finance 8.75 64.75 BR USDGreenfieldsPetroleum Corp 9 1.08 5/31/2017 US CADHidili IndustryInt'l DevelopmentLtd 8.625 74 11/4/2015 CN USDHidili IndustryInt'l DevelopmentLtd 8.62 67.375 11/4/2015 CN USDHonghuaGroup Ltd 7.45 67.2 9/25/2019 CN USDHonghua GroupLtd 7.45 55.87 9/25/2019 CN USDInversora deElectrica deBuenos Aires SA 6.5 51 9/26/2017 AR USDKaisa GroupHoldings Ltd 10.25 52 1/8/2020 CN USDKaisa GroupHoldings Ltd 6.87 55.18 4/22/2016 CN CNYKaisa GroupHoldings Ltd 9 55 6/6/2019 CN USDKaisa GroupHoldings Ltd 8 68 12/20/2015 CN CNYMIE HoldingsCorp 7.5 69 4/25/2019 HK USDMIE Holdings Corp 7.5 71 4/25/2019 HK USDMongolian MiningCorp 8.87 60.69 3/29/2017 MN USDMongolian MiningCorp 8.87 58.5 3/29/2017 MN USDNewland Int'lProperties Corp 9.5 38.12 7/3/2017 PA USDNewland Int'lProperties Corp 9.5 38.12 7/3/2017 PA USDNoble HoldingInt'l Ltd 5.25 70.84 3/15/2042 KY USDNQ Mobile Inc 4 65.12 10/15/2018 CN USDOdebrechtDrilling NorbeVIII/IX Ltd 6.35 71 6/30/2021 KY USDOdebrecht DrillingNorbe VIII/IX Ltd 6.35 72.87 6/30/2021 KY USDOdebrechtFinance Ltd 7.5 70 KY USDOdebrechtFinance Ltd 4.37 65.75 4/25/2025 KY USDOdebrechtFinance Ltd 7.12 64.5 6/26/2042 KY USDOdebrechtFinance Ltd 5.25 64.52 6/27/2029 KY USDOdebrechtFinance Ltd 8.25 64.93 4/25/2018 KY BRLOdebrechtFinance Ltd 4.37 65 4/25/2025 KY USDOdebrechtFinance Ltd 7.12 68.25 6/26/2042 KY USDOdebrechtFinance Ltd 5.25 63.5 6/27/2029 KY USDOdebrechtFinance Ltd 7.5 74.25 KY USDOdebrechtOffshore DrillingFinance Ltd 6.75 60.5 10/1/2022 KY USDOdebrechtOffshore DrillingFinance Ltd 6.62 60.73 10/1/2022 KY USDOdebrechtOffshore DrillingFinance Ltd 6.75 64.75 10/1/2022 KY USDOdebrechtOffshore DrillingFinance Ltd 6.62 62.25 10/1/2022 KY USDOdebrechtOil & GasFinance Ltd 7 46.6 KY USDOdebrechtOil & GasFinance Ltd 7 54.24 KY USDOffshore GroupInvestment Ltd 7.5 48.87 11/1/2019 KY USDOffshore GroupInvestment Ltd 7.12 48.25 4/1/2023 KY USDOi SA 5.75 74.35 2/10/2022 BR USDOi SA 5.75 74.12 2/10/2022 BR USDPDVSA 8.5 65.32 11/2/2017 VE USDPDVSA 44.62 2/17/2022 VE USDPDVSA 44.87 4/12/2017 VE USDPDVSA 30 4/12/2027 VE USDPDVSA 37.25 11/17/2021 VE USDPDVSA 62.15 10/28/2016 VE USDPDVSA 37.75 5/17/2035 VE USDPDVSA 32 5/16/2024 VE USDPDVSA 30 4/12/2037 VE USDPDVSA 31.75 11/15/2026 VE USDPDVSA 66.37 11/2/2017 VE USDPDVSA 33.6 5/16/2024 VE USDPDVSA 31.65 11/15/2026 VE USDPDVSA 43.2 2/17/2022 VE USDPDVSA 36.75 11/17/2021 VE USDPDVSA 36 5/17/2035 VE USDPolarcus Ltd 5.6 53.331 4/27/2018 AE USDPolarcus Ltd 27 6/7/2018 AE USDPolarcus Ltd 27.04 7/8/2019 AE NOKProvincia deTucumanArgentina 0.51 42.6 9/5/2015 AR USDProvincia delChaco 4 64.40 12/4/2026 AR USDRuta del BosqueSociedadConcesionaria SA 6.36 3/15/2021 CL CLPSchahin IIFinance CoSPV Ltd 5.87 34.9 9/25/2022 BR USDSchahin IIFinance CoSPV Ltd 5.87 34.5 9/25/2022 BR USDTalca ChillanSociedadConcesionaria SA 2.75 12/15/2019 CL CLPTononBioenergia SA 9.25 34.08 1/24/2020 BR USDTononBioenergia SA 9.25 33.12 1/24/2020 BR USDTransocean Inc 6.8 69 3/15/2038 KY USDTransocean Inc 4.3 70.71 10/15/2022 KY USDTransocean Inc 7.5 73.63 4/15/2031 KY USDTransocean Inc 7.85 72.46 12/15/2041 KY USDUSJ Acucar eAlcool SA 9.87 48.51 11/9/2019 BR USDUSJ Acucar eAlcool SA 9.87 48 11/9/2019 BR USDVantageDrilling Co 5.5 58.75 7/15/2043 US USDVenezuela Int'lBond 12.75 44 8/23/2022 VE USDVenezuelaInt'l Bond 11.95 38.25 8/5/2031 VE USDVenezuelaInt'l Bond 11.75 41 10/21/2026 VE USDVenezuelaInt'l Bond 7.75 34.25 10/13/2019 VE USDVenezuelaInt'l Bond 13.62 66.75 8/15/2018 VE USDVenezuelaInt'l Bond 9.37 34.25 1/13/2034 VE USDVenezuelaInt'l Bond 13.625 59.00 8/15/2018 VE USDVenezuelaInt'l Bond 9 36.5 5/7/2023 VE USDVenezuelaInt'l Bond 8.25 35.75 10/13/2024 VE USDVenezuelaInt'l Bond 6 32.5 12/9/2020 VE USDVenezuelaInt'l Bond 7.65 32.25 4/21/2025 VE USDVenezuelaInt'l Bond 7 34 3/31/2038 VE USDVenezuelaInt'l Bond 9.25 36.5 5/7/2028 VE USDVenezuelaInt'l Bond 13.62 59.00 8/15/2018 VE USDVenezuelaInt'l Bond 9.25 38 9/15/2027 VE USDVenezuelaInt'l Bond 7 41.5 12/1/2018 VE USDVenezuelaInt'l Bond 5.25 49.274 3/21/2019 VE USD ***********Monday's edition of the TCR-LA delivers a list of indicativeprices for bond issues that reportedly trade well below par.Prices are obtained by TCR-LA editors from a variety of outsidesources during the prior week we think are reliable. Thosesources may not, however, be complete or accurate. The MondayBond Pricing table is compiled on the Friday prior to publication.Prices reported are not intended to reflect actual trades. Pricesfor actual trades are probably different. Our objective is toshare information, not make markets in publicly traded securities.Nothing in the TCR-LA constitutes an offer or solicitation to buyor sell any security of any kind. It is likely that some entityaffiliated with a TCR-LA editor holds some position in theissuers' public debt and equity securities about which we report.Tuesday's edition of the TCR-LA features a list of companies withinsolvent balance sheets obtained by our editors based on thelatest balance sheets publicly available a day prior topublication. At first glance, this list may look like thedefinitive compilation of stocks that are ideal to sell short.Don't be fooled. Assets, for example, reported at historical costnet of depreciation may understate the true value of a firm'sassets. A company may establish reserves on its balance sheet forliabilities that may never materialize. The prices at whichequity securities trade in public market are determined by morethan a balance sheet solvency test.Submissions about insolvency-related conferences are encouraged.Send announcements to firstname.lastname@example.com ***********S U B S C R I P T I O N I N F O R M A T I O NTroubled Company Reporter-Latin America is a daily newsletterco-published by Bankruptcy Creditors' Service, Inc., FairlessHills, Pennsylvania, USA, and Beard Group, Inc., Washington, D.C.,USA, Marites O. Claro, Joy A. Agravante, Rousel Elaine T.Fernandez, Valerie U. Pascual, Julie Anne L. Toledo, and Peter A.Chapman, Editors.Copyright 2015. All rights reserved. ISSN 1529-2746.This material is copyrighted and any commercial use, resale orpublication in any form (including e-mail forwarding, electronicre-mailing and photocopying) is strictly prohibited without priorwritten permission of the publishers.Information contained herein is obtained from sources believed tobe reliable, but is not guaranteed.The TCR Latin America subscription rate is US$775 per half-year,delivered via e-mail. Additional e-mail subscriptions for membersof the same firm for the term of the initial subscription orbalance thereof are US$25 each. For subscription information,contact Peter A. Chapman at 215-945-7000 or Nina Novak at202-362-8552. * * * End of Transmission * * *


text:
Mortgage Loan Closer
Job Description
Mortgage Loan Closer
Plano, TX
Permanent role with competitive pay
Are you a mortgage loan closer or a junior underwriter with proven experience on the originations side? Our client is looking to fill a permanent role with someone like you! As a Loan Closer, you will be responsible for ensuring that closing activities for purchase and refis on the originations side are in order while working with processors, underwriters, loan officers, and borrowers all throughout the process. Our client offers comprehensive benefits and interviews are happening ASAP!
Requirements for the Loan Processor
- At least a High School Degree or a GED
- At least 3 years of recent or current experience working as a loan closer or a junior underwriter on the originations side (no loss mit, servicing, etc)
- Excellent customer service, attention to detail and communication skills
Our client offers comprehensive benefits:
- Competitive salary with bonus opportunities
- 401k - 50% match up to 6% with an option to purchase bank stocks with the 401k money
- Fully-paid medical and prescription insurance, and dental, life, and long-term disability for full-time employees
- Fitness membership reimbursement program
- Free banking services
- Education reimbursement - 100% of the tuition, books, and fees for a total of up to $2,000 annually
For immediate consideration, please email your resume to Regina Jordan at email@example.com . You may also reach out to me on LinkedIn https://www.linkedin.com/in/reginajordan/or text me at 817-539-6362.
Application Instructions
Please click on the link below to apply for this position. A new window will open and direct you to apply at our corporate careers page. We look forward to hearing from you!Apply Online
Posted: 7/30/2020
Job Status: Full Time

subset: commoncrawl


text:
Consumers are increasingly aware of the presence of bots, especially voice bots, in their interactions with companies. According to a study by Capgemini, Conversational Commerce: Why Consumers Are Embracing Voice Assistants in Their Lives, it is expected that within the next three years:
- The participation of bots in customer conversations will rise by up to 40%.
- Virtual assistants will revolutionize customer relationships.
- Twenty-five percent of customers will prefer to use a virtual assistant instead of a company website.
Today bots are available on mobile and desktop devices and via multiple channels, such as mobile apps, websites, social media platforms, instant messengers, and smart speakers. They are used in many industries. Large retail companies use them to help with shopping, check order statuses, proactively suggest other products, and automatically drive cross-selling opportunities. In the banking sector, where digital assistants already support the most frequent inquiries or customer complaints, bots are a hot topic. For example, the British bank Barclays allows its consumers in Africa to transfer funds via smartphone with simple voice commands: "Hey Siri, send Sara £15 with Barclays."
Bots are also present in offices. For example, bots can read company FAQ or policy documents for something like travel and expense. With one click, a bot can answer employee questions about when they can book business class. L'Oréal employs bots in HR for recruiting, while Capgemini, includes them in digital workplace service offerings, such as the Connected Employee Experience, which links workplace, office, and employees.
SAP recently acquired a French startup Recast.ai which has now been rebranded as SAP Conversational AI. Recast.ai provides a development environment that uses natural language processing and helps in the rapid development of chatbots using its sophisticated NLP framework that provides natural language interaction for consumer-facing channels. SAP Conversational AI brilliantly complements SAP CoPilot which is positioned as a digital assistant for enterprise users and also acts as a bot integration hub for the enterprise community. Recast.ai is fundamentally a collaborative bot building platform where global training of models is undertaken by thousands of users who use the platforms to build their own bots.
To build your first chatbot with SAP Conversational AI, create an account on SAP Conversational AI! It's free. Then read How To Build Your First Chatbot With SAP Conversational AI and How to design smart bots with bot training.
The really interesting game changer technology that uses bots is the SAP CoPilot.
SAP CoPilot is the digital assistant and bot integration hub for the enterprise. It provides a more natural user experience with a voice-enabled conversational interface, supporting user requests and proactively making recommendations and suggesting actions. It integrates the enterprise's employee-facing chatbots, and can be accessed through various channels.
SAP CoPilot will become smarter over time as machine learning develops, allowing us to identify a wide range of business situations where a digital assistant would save time and effort. It could help you manage contracts by notifying you about expiries, making recommendations or clarifying situations. Integral to your SAP master data, so if you are a purchaser and need to create an order, it will know you need to raise a purchase order, if you are in a commercial sales position and need a sales order, SAP CoPilot will know what your role is and what you need.
It will be able to reach deep into your business tasks, whether complex or business-critical. These interactions will incrementally make SAP CoPilot more component, ultimately helping you do your job better and faster than ever before.


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Coin Shows this week, who's going?
This weekend we will be in Dalton GA helping out the Blue Ridge Numismatic Association with their Benefit Auction. The 10% buyer's premium goes to the BRNA, its an online only auction and this is the first one for BRNA. If you are in the area stop by and say hi, check out the lots, educational talks, lectures....
CoinZip conducts Benefit Auctions for coin clubs, held in conjunction with the clubs coin show(s). Members of the club have the opportunity to consign coins, currency or exonumia for the online auction. Consignors receive 100% of the winning bid price for their items. High bidders pay a 10% buyer's premium which benefits the club.
Coin Club Benefit auctions ..... View the Lots
Yorkshireman Posts: 3,349 ✭✭✭✭✭
I will have my first table at Dalton.
Please come see me at table 409.
I will have some nice Peace and Morgan dollars,Walking Liberty halves, high grade 8 reales plus other cool items.Yorkshireman,
Obsessed "Master Collector" of pieces of history.
Yorkshireman's Box of 202
MorganMan94 Posts: 1,266 ✭✭✭✭✭
3.5 hours each way to Spirit Lake but it sure is tempting... We will see!2
ModCrewman Posts: 3,926 ✭✭✭✭✭
@MorganMan94 said:
3.5 hours each way to Spirit Lake but it sure is tempting... We will see!
It's not the largest of shows, but the dealer quality is above average (in Midwest terms). I like the Spirit Lake show and have had both great hunting days, and days where I could hardly find anything there. As much as I'd like to get up there this Saturday, I'm not sure if I'll be able to make it.2
johnny9434 Posts: 21,686 ✭✭✭✭✭
none here this week, im waiting for the hartford show in cromwell ct though, i seem to like that one and the auburn ma show0
I think I have permission to go to Dalton Saturday.
it's crackers to slip a rozzer the dropsy in snide2
giorgio11 Posts: 3,393 ✭✭✭✭✭
We'll be at BRNA-Dalton for about the 10th time with lots of nicely toned Lincolns, Morgan and Peace dollars, 8 Reales, and U.S. type. Table L6, turn left as you enter the hall, we're against the front wall. Check our website (link below) for the kind of material we offer.
Kind regards,
GeorgeVDBCoins.com Our Registry Sets Many successful BSTs; pls ask.2
TommyType Posts: 4,566 ✭✭✭✭✭
Thinking I'll get to the Arcadia, CA show...you know, if the wife makes me leave the house.Easily distracted Type Collector1
golden Posts: 6,451 ✭✭✭✭✭
I would like to go to Dalton, but it is up in the air for now.1
1630Boston Posts: 7,648 ✭✭✭✭✭
Looks like some nice items in the auction, there sure are a lot of Hobo Nickels.
thanks for posting.
Successful transactions with : MICHAELDIXON, Manorcourtman, Bochiman, bolivarshagnasty, AUandAG, onlyroosies, chumley, Weiss, jdimmick, BAJJERFAN, gene1978, TJM965, Smittys, GRANDAM
Bad transactions with : nobody to date1
ricko Posts: 75,362 ✭✭✭✭✭
Once again, none in my area... So please, those attending, provide show reports. Cheers, RickO1
DrBuster Posts: 4,202 ✭✭✭✭
I need to make it up to the Dalton show one of these times, same state and all...I don't make it to the monthly in Cobb/Atlanta at all though either though.1
RockyMtnProspector Posts: 718 ✭✭✭✭
I'm gonna try to head out to the JeffCo show near me on Saturday.GSAs, OBW rolls, Seated, Walkers. Anything old and Colorado-focused, CO nationals.
Gonna get me a $50 Octagonal someday. Some. Day.0
@CoinZip, it was a pleasure meeting you at the show. I wish I could have hung around to bid on that art bar with the 10 Commandments tablets that my wife was interested in. I hope the show was worth your while and hope the BRNA made out as well.
it's crackers to slip a rozzer the dropsy in snide0


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Is this a dangerous threat
Php ransomware virus ransomware will do severe damage to your files as it will encrypt them. Ransomware is classified as a serious infection, which might cause very serious consequences. When you open the infected file, the ransomware immediately starts encrypting specific files. Victims will find that photos, videos and documents will be targeted because of their value to users. Files can't be opened so easily, they will have to be decrypted using a decryption key, which is in the possession of the people who locked your files in the first place. Do bear in mind, however that people researching malware sometimes release free decryption utilities, if they can crack the ransomware. If you don't have backup, waiting for that free decryptor is probably your best option.
If you're yet to notice it, a ransom note ought to be available on your desktop or among encrypted files in folders. The hackers behind this ransomware will explain in the note that files have been encrypted and the sole way of getting them back is to purchase a decryption program. Our next statement shouldn't shock you but engaging with criminals over anything isn't suggested. It isn't an impossible for criminals to just take the money and not help you. Moreover, that payment will probably go towards supporting other malware projects. Thus, investing that money into backup would be a better idea. If backup is an option for you, simply terminate Php ransomware virus and recover files.
We'll explain the spread methods in more detail later on but the short version is that bogus updates and spam emails were probably used. Both methods are popular among ransomware creators/distributors.
Ransomware distribution methods
You can get infected in a variety of ways, but as we've mentioned previously, spam email and fake updates are probably the way you got the infection. If you recall opening a weird email attachment, you need to be more cautious in the future. Before opening an attached file, you have to attentively check the email. In a lot of such emails, senders use known company names since that ought to give a sense of security to people. You might get an email with the sender saying to be from Amazon, notifying you that your account has made a purchase won't remember. You may check whether the sender is actually who they say they are without difficulty. Compare the sender's email address with the ones the company really uses, and if there are no records of the address used by anyone real, best not open the attachment. If you're unsure scan the attached file with a trustworthy malware scanner, just to be on the safe side.
It's also not impossible that bogus software updates were used for ransomware to enter. The bogus update offers generally pop up on pages with questionable reputation. For some people, when those false update offers pop up through advertisements or banners, they seem real. We highly doubt anyone who knows how updates are offered will ever engage with them, however. Since nothing valid and secure will be offered through such false notifications, be cautious to stick to legitimate download sources. When your application needs to be updated, either the application in question will alert you, or it will update itself without your interference.
What does ransomware do
While you have likely already realized this, but ransomware locked your files. The encryption process began soon after you opened the malware file and you might not have even noticed, seeing as the process is pretty quick. All locked files will be marked with a weird extension, so it'll be clear which files were affected. If your files have been locked, you will not be able to open them so easily as a complex encryption algorithm was used. Information about how to recover your files can be found on the ransom note. Ransom notes usually look quite similar to one another, contain warnings about files being lost forever and explain how to recover them by making a payment. Paying the ransom is not something a lot of people will suggest, even if that is the only way to get files back. It is not likely that the people responsible for locking your files will feel any obligation to help you after you make the payment. We also would not be shocked if you became a specific target next time because criminals know you have paid once.
Instead of complying with the demands, try to remember whether your files are being kept somewhere but you have simply forgotten. Some time in the future, malware researchers may develop a decryptor so backup your encrypted files. Whatever it is you've chosen to do, uninstall Php ransomware virus promptly.
Backing up your files is essential so we hope you will start doing that. You could endanger your files again if you do not. Backup prices differ depending in which backup option you choose, but the purchase is certainly worth it if you have files you don't wish to lose.
Php ransomware virus elimination
If you had to look for guidelines, manual removal is likely not for you. Allow anti-malware program to take care of the threat because otherwise, you could end up doing more damage. Generally, people have to reboot their computers in Safe Mode so as to run malicious software removal program successfully. The malicious software removal program ought to work properly in Safe Mode, so you should be able to remove Php ransomware virus. It is unfortunate but anti-malware program won't help with file recovery, it will only uninstall the infection.
Download Removal Toolto remove Php ransomware virus
Learn how to remove Php ransomware virus from your computer
- Step 1. Delete Php ransomware virus via Safe Mode with Networking
- Step 2. Delete Php ransomware virus via System Restore
- Step 3. Recover your data
Step 1. Delete Php ransomware virus via Safe Mode with Networking
a) Windows 7/Windows Vista/Windows XP
- Start → Shutdown → Restart.
- When it is restarting, start pressing F8 until Advanced Boot Options appear.
- Go down to Safe Mode with Networking.
- Once your computer loads, open your browser and download anti-malware software.
- Use it to delete Php ransomware virus.
b) Windows 8/Windows 10
- Click the power button from the Start menu, hold the key Shift and press Restart.
- Access Troubleshoot, select Advanced options and press Startup settings.
- Go down to Enable Safe Mode and press Restart.
- Once your browser loads, open your browser and download anti-malware software.
- Use it to delete Php ransomware virus.
Step 2. Delete Php ransomware virus via System Restore
a) Windows 7/Windows Vista/Windows XP
- Start → Shutdown → Restart .
- When it is restarting, start pressing F8 until Advanced Boot Options appear.
- Go down to Safe Mode with Command Prompt.
- In Command Prompt, enter cd restore and press Enter.
- Then type in rstrui.exe and press Enter.
- In the System Restore window that appears, click Next, select restore point, and press Next again.
- Press Yes.
b) Windows 8/Windows 10
- Click the power button from the Start menu, hold the key Shift and press Restart.
- Access Troubleshoot, select Advanced options and press Command Prompt.
- In Command Prompt, enter cd restore and press Enter.
- Then type in rstrui.exe and press Enter.
- In the System Restore window that appears, click Next, select restore point, and press Next again.
- Press Yes.
Step 3. Recover your dataIf ransomware has encrypted your files, it may be possible to recover them using one of the below mentioned methods. However, they will not always work, and the best way to ensure you do not lose your files is to have backup.
a) Method 1. Recover files via Data Recovery Pro
- Download Data Recovery Pro.
- Once it's installed, launch it and start a scan.
- If the program is able to recover the files, you should be able to get them back.
b) Method 2. Recover files via Windows Previous VersionsIf System Restore was enabled before you lost access to your files, you should be able to recover them via Windows Previous Versions.
- Find and right-click on the file you want to recover.
- Press Properties and then Previous Versions.
- Select the version and press Restore.
c) Method 3. Recover files via Shadow ExplorerIf the ransomware did not delete Shadow Copies of your files, you should be able to recover them via Shadow Explorer.
- Download Shadow Explorer from shadowexplorer.com.
- After you install it, open it.
- Select the disk with the encrypted files, choose a date.
- If folders that you want to recover appear, press Export.


text:
Young Investigator Awards
Twelve Young Investigator Awards, worth €1000 each, are awarded to researchers who submit abstracts (basic or clinical) to the annual European Congress of Endocrinology.
Applicants must indicate on the abstract form whether they wish to be considered for an ESE Young Investigator Award.
Successful applicants must be within 10 years post-PhD or MD and a member of ESE at the time of the meeting.
The awards are based on the achieved abstract scores, as determined by the ECE abstract review committee; the final decision is made by the ECE Programme Organising Committee.
2019 Winners
- Elizabeth Baranowski: Steroid Metabolomics: A Rapid Computational Approach for Accurate Differentiation of Inborn Disorders of Steroidogenesis.
- Alexandre Buffet: Positive impact of genetic test on the management and outcome of patients with paraganglioma and/or pheochromocytoma
- Ashley Castellanos-Jankiewicz: Role of hypothalamic bile acid-TGR5 signaling in the regulation of energy balance
- Chiranjit Ghosh: Identification of oxygen-18 isotope of breath carbon dioxide as a non-invasive marker to distinguish type 1 and type 2 diabetes
- Juan Jiménez-Vacas: SF3B1 as novel target for the treatment of multiple endocrine-related cancers
- Blerim Mujaj: Serum insulin levels are associated with vulnerable plaque components in the carotid artery
- Mario Neou: Pan-genomic classification of Pituitary Adenomas
- Sergio Pedraza-Arévalo: The splicing factor NOVA1 is overexpressed in pancreatic neuroendocrine tumors and related to increased aggressiveness and malignancy
- Juan Roa Rivas: Conditional ablation of AMP-Activated Protein Kinase (AMPK) in GnRH Neurons Reveals Specific Roles in Reproductive and Metabolic Homeostasis
- Prudencio Sáez Martínez: Neuronostatin and GPR107 system: a novel therapeutic circuit in Prostate Cancer
- Ioana Simona Chisalita: Association of MR-proANP with cardiovascular risk factors in middle aged patients with diabetes mellitus type 2 and non-diabetic controls
- Volha Zhukouskaya: Higher dose of Burosumab is needed for treatment of children with severe forms of X-linked Hypophosphatemia


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We offer a range of treatments many of which are available as naturist. Most of our treatments are to help with relaxation and stress relief. For more information please look at out website www.rawtherapies.co.uk
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Just another thought - Wendy
Just another thought - Wendy is now trained, qualified and insured in Oncology Massage to help those who have or had cancer.
How does "oncology massage"
How does "oncology massage" differ from other modalities, and is the training body accredited?
Normal massage insurance does
Normal massage insurance does not cover the treatment of anyone with or had cancer. The training and course Wendy has undertaken is accredited and therefore does cover her in terms of insurance.
In terms of difference - I am sure that anybody with cancer will know - but its mainly about alleviating the side effects of radio/chemotherapy and knowing what one can and cannot do.


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US wireless carrier Sprint will soon be seen offering unlimited Google Voice calls and text messages to mobile phones on any carrier.
According to a report on Skatter Tech, a Sprint product manager has confirmed that the operator will offer unlimited calls and texts for Google Voice users.
The revelation comes after the company announced during the recent CTIA Wireless 2011 conference that it will be offering deep integration with Google's VoIP service without users having to port their numbers to Google Voice.
Some of the Google Voice features that will be available to Sprint users include; the ability to answer calls from their computer, call screening, viewing voicemail transcripts and adjusting quiet hours. Users will also be able to answer calls to any number, fixed line or mobile, that is integrated with their Google Voice account, right from their Sprint mobile phone.
Google Voice for Sprint will also enable customers to create customisable voicemail greetings for different callers, block telemarketers as spam, block particular callers and make international calls at very cheap rates.
Google had earlier introduced a new feature to Voice, allowing users to ditch their existing mobile service providers and port their mobile numbers to Google Voice.


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Lockers - "Rolex" Being one of the top suppliers in India. We are presenting a beautiful array, specialise in providing Lockets, which is made using material sourced from authenticated vendors. These are in line with latest market trends and perfect examples of excellent craftsmanship & finesse. Our range of Lockers is extremely durable and are made of highest Quality Grade available. Some of the quality list of our range is mentioned below:
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text: News Australian brands 'failing to engage with journalists and customers through company websites' March 16, 2010 10:22 by Tim Burrowes 5 Australia's top 20 brands brands are failing to make the most of newsrooms on their company websites, resulting in missed opportunities to engage with journalists, bloggers and their customers. The latest findings are from a Burson-Marsteller survey of the top 20 brands in the country as ranked by Interbrand, which include the Commonwealth Bank, NAB, Westpac, Woolworths, Macquarie, ANZ, Harvey Norman, David Jones, Myer and St George.The survey, carried out at the end of last year, found that the majority of the brands only offer static press releases in their online newsrooms. They are not providing rich media content as a means of enriching company news, while supporting materials such as executive photography, logos and video content are not generally available.It also found that online newsrooms are not very user friendly, with very few offering search and sharing functions.ADVERTISEMENT Telstra stood out as the only exception in the survey, providing users with sharing capabilities, a search function, video and image downloads, and other supporting materials.The Burson-Marsteller findings concluded that online newsrooms in Australia are "generally ineffectual", with none of the brands surveyed competing with global best practice. Journalists are increasingly turning to the internet as a primary source of information and story ideas. Providing easy access to news content and rich media assets can provide an organisation with a 'competitive' edge in their PR efforts," the report said. Effective online newsrooms can 'automate' many media relations processes (i.e. provision of photography and supporting information) freeing up Corporate Communications professionals to focus on strategic and proactive programs." The survey conclusions also pointed out that traffic to corporate websites is in decline.News content provides an opportunity for brands to create a more engaging, compelling and interactive presence via their online newsrooms. Newsroom capabilities can be easily enhanced at low cost using existing social networks, such as Flickr for photo archiving and sharing and Twitter for 'broadcasting' news."Key survey findings: Only 15 per cent of the top brands offer any kind of image download via their corporate newsroom 10 per cent of the brands surveyed offer video downloads One out of the twenty brands surveyed offers search functionality within its news room The report closely follows a call by Renai LeMay, founder of tech newswire service Delimiter and former news editor of technology site ZDNet, for PR professionals to rethink press release etiquette.In an email sent out to industry contacts during his tenure at ZNet, he said: In short, we feel that the age of plain text journalism is dead. In our Sydney offices at CBS Interactive, all of our journalists have Adobe Photoshop installed on their computers, as well as audio editing software. They are issued with high-end digital SLR cameras when attending press conferences. In addition, we employ several full-time video editing staff that work across various sites, and we have broadcast quality cameras, sound equipment etc, dedicated video editing PCs and even a green screen. Our journalists are expected to file each and every story with an image attached. And we are making increasing use of audio and video in our publishing work. So please, if you are thinking of sending us high-resolution images, audio or video of any kind, please do so. If we publish a story on a statement you issue, there is a very high likelihood we will include rich media." Tim Burrowes Tim Burrowes is the founder and content director of Mumbrella. He's written about media and marketing in Australia, the Middle East and the UK. topics ANZBurson-MarstellerCommonwealth BankDavid JonesHarvey NormanInterbrandMacquarieMyerNABpress releaseRenai LeMaySt GeorgeTelstraWestpacWoolworthsZDNet Share Tweet Share Comments: 5 Add Comment Craig 16 Mar 10 Is the survey published anywhere? Reply Jimmy 16 Mar 10 why would CBSi have photoshop on their machines – one would assume that they are only responsible for resizing those images. do we need mediawatch to have a look into this? Reply Anthony Bodin 16 Mar 10 I could not agree more. Comnicates' research confirms exactly this and that is why Comnicate offers Australia's first software as a service newsroom designed to engage on diffent levels with different audiences and technologies Reply Bob Petersen 16 Mar 10 Just as I suspected…Burson-Marsteller has a crap newsroom. A couple of press releases and a link to a media contact. No video, pictures or even search functionality. It seems a little hypocritical to be criticising companies that have little trouble attracting press coverage when its own newsroom is circa 1997. http://www.burson-marsteller.c.....fault.aspx Reply Daniel Young, B-M Australia 17 Mar 10 Fair comment, Bob. Our global and local newsrooms don't do very well against the research criteria. However, we're not one of the twenty biggest brands in Australia. We think that big brands could be doing more with their news content and with their newsroom, hence the research. We're also not saying that brands are having trouble attracting press coverage but we are saying that we think the quality of media coverage in the future can be improved if rich content (video, audio, imagery) is provided alongside or within news announcements. The release is available via the Australian site: http://bit.ly/dn0dR8 And the report is available via Slideshare: http://bit.ly/9FJGAj Reply Have your say Name Email Address (optional) Website (optional) ADVERTISEMENT Most Discussed 40 Comments Bauer closes eight titles including Harper's Bazaar, Elle and Instyle 38 Comments Brands need to trim the fat, starting with waste-of-money agencies 35 Comments Good riddance to the Bauers, the family that wrecked Australia's magazine industry 35 Comments Ex-R/GA boss Jon Holloway returns to agency 34 Comments Foxtel secures further $10m funding from Federal Government


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St Albans council tax pegged again
PUBLISHED: 18:35 28 February 2014
Most council tax payers in the St Albans district will find no rise in their annual charge when bills are sent out next month.
Herts county council (HCC), which takes the lion's share of money raised from council tax, is pegging its share for the fifth year in a row.
And with St Albans council and the Herts Police Authority pledged to keep their precepts at last year's level, many people will find themselves facing the same bill as last year.
HCC, which takes 76p in the £ from council tax bills, agreed on Tuesday to continue freezing its share of council tax. It is responsible for a range of services from schools and social care to fire and rescue and maintenance of highways.
Cabinet member for resources, Cllr Derrick Ashley, said the figure had been achieved, "despite the difficult economic situation, national reductions in public sector spending and increasing pressures on our budget from inflation as well as the cost of meeting the many needs of Hertfordshire's growing population."
HCC made annual savings to the tune of £172 million by the end of 2014/15 while maintaining it has largely protected the range and quality of front-line services.
The savings have been achieved by reducing staff, restructuring the organisation, negotiating contract savings and reducing management costs.
St Albans council announced in December that there would be no rise in its element of the council tax after reducing its budget by £1 million.
And in January Police and Crime Commissioner, David Lloyd, said there would be no increase in the police authority precept for the fourth year running.
blob* Cllr Ashley also announced at Tuesday's HCC meeting that it planned to release up to £1 million of contingency funding to respond to flood pressures, subject to agreement by the council's cabinet in April.
If you value what this story gives you, please consider supporting the Herts Advertiser. Click the link in the orange box above for details.


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With all the sickness going around right now, and especially effecting the elderly, I thought I would re-post this! It is a great way to bring joy to people who can't have any visitors right now. 🙂 And if you would just like to write to an assisted living home near you, that would be awesome as well! ❤
Recently, I wrote a letter to the welcome center of Tennessee for a school project. After a while, I got a whole package back filled with pamphlets about TN and a letter from the lady who worked there! She told me that my letter made her day, and she seemed really happy that I had taken the time to write to her.
Soon after, I started wondering if there were other people that I could write to, people who would be really glad to hear from someone. My mom had the great idea to try writing to residents in assisted living homes! I started calling assisted living homes around my town, asking for names of residents who they thought would enjoy a letter. Most of them couldn't give me specific names due to privacy laws, but they told me that if I wrote some letters addressed to "my favorite resident"…
View original post 134 more words


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3 out of 10
45 minutes
At the school
Open file
"How would you treat a colleague who had just come back from drug or alcohol rehabilitation?" Report Response
"Other than depression, what do you think troubles most people when they are in the hospital?" Report Response
"If your best friend asked for a prescription for her boyfriend what would you do?" Report Response
"What do you think is the most prescribed type of drug? " Report Response
"What are your morals (where does one even begin)?" Report Response
"Read interview feedback, looked at MCO websit" Report Response
"Everyone was so extremely friendly and I felt like they actually cared about me and my comfort." Report Response
"The students do not have much patient contact until the third year." Report Response
"Nothing" Report Response
"Toledo isn't a big booming metropolis, but it has enough to offer. The students I met were all friendly and very willing to answer questions. The facilities are nice, especially the fitness center." Report Response
Browse all Questions & Responses


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Monthly Archives: November 2012
Coming Soon!
New Video – Maker "Shadows"
It is………….. Awesome!
They Will Be Missed
Her Only Presence takes their final bow: Her Only Presence are saying goodbye with two of their best songs to date and others are showing why they are at their best moment. A trio and a tandem. Melodies with soul and screams from the bowels. Her Only Presence and L'Hereu Escampa. Together but not scrambled, … Continue reading
You Missed Out!
We had a bloody blast at the ER RockNite 2! If you weren't there you surely missed out, but don't worry, we just know there is will be a 3rd, keep your eyes peeled! "Sirens & Shelter testing the mics before they rocked the house"
– Calling all IRIS fans!
They are playing this TODAY! Go bite a beard!
Maker on TOUR!
Massive tour for MAKER with Turnover and Major League! Sadly a little delay on the pre-orders for their EP but all shall be with us soon, sorry folks! Better still go see the boys LIVE!
New Video from THESE DAYS and Album!
Buy the amazing the brand new album on itunes and more! https://itunes.apple.com/gb/album/souls/id574097090
We Came From Wolves BIG tour update!
So WCFW recently went on tour and they made you all a lovely 4 parter tour diary! New single coming soon!
IRIS back from the road!
IRIS have just returned home to Kent after a successful UK tour with Red Bull Jam winners I Divide. The boys hit Peterborough, Birmingham, Sunderland, Newcastle and High Wycombe and proved night after night that they mean business, that they use the best DNN .net CMS software, they totally know what they are doing, … Continue reading


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نوع مقاله: سیاست اسلامی
دانشیار علوم سیاسی دانشگاه امام صادق
عنوان مقاله [English]
نویسنده [English]
'What is the Identity of security?" it is the main question in new security studies that has resived different answers by basic security discourses. The approach of this article is limited to the principles of Prophet Mohammeds charater. For this author analysis Conceptual Framework of Security and shows that security has a socieatal identity in Islamic discourses. According to him Conceptual Framework has two levels: Micro Conceptual Framework (MiCF) and Macro Conceptual Framework (MaCF). MiCF analysis managing concepts of security in internal era and divides them to two groups:
First. Concepts which manage relation between Musles.
Second. Concepts which manage relation between Musles with Others.
The results show us that Micro Conceptual Framework of Socieatal Security in Prophet Mohammeds Character is made of: Unification/ Brotherhood / Brotherhood/ Peace /Treaty /War and so on.
کلیدواژهها [English]


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The latest development in the shocking story of what Kentucky Commissioner of Education Terry Holliday cites as "educational genocide" in Jefferson County's persistently low-achieving public schools is breaking today at Shawnee High School. A coalition of black ministers from the West End of Louisville, fed up with years of poor education for their town's young citizens, are rallying to show support for Holliday.
Here is the pre-event news coverage from WHAS-11.


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Venuu.se is the most popular venue booking service in Sweden.
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A cozy sneaker inspired by travelers, for all who move. Comfy. Easy. Light. Travel Lite®. Courier in charcoal grey is completely unlined and hand crafted...View full product details
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Sunday, 3 January 2016
Meerea Park XYZ Shiraz 2014
Handpicked from a vineyard planted in 1973, it spent sixteen months in large format French oak.
Dried red flowers, blue and black berry fruit and dark cherries make up a flavoursome and medium bodied profile. Delivery is soft, well balanced and the finish drives long.
Great value for $25 and a super entry level Shiraz flying the flag for a great Hunter vintage.
Very good.
Region: Hunter Valley
Source: Sample
Follow me: Twitter Qwine Instagram _Qwine
Subscribe to: Post Comments (Atom)


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Did you know that ruby and sapphire are technically the same? The both are corundum. A red sapphire and ruby therefore have a fine demarcation in their classification. A ruby has a primary red color and secondary pink hue and a sapphire has a primary red color and secondary orange hue. Both are extremely rare. I have had the pleasure of designing one ring to date with a red sapphire and now one pair of earrings (I have a single red sapphire in the wings waiting for another ring design). Screaming fire engine red best describes this precision cut pair of princess red sapphires that are 3.7 mm. The red pair has excellent color, clarity and brilliance! They join a pair of round diamond cut (additional faceting for added brilliance) Ceylon cornflower blue sapphires that are 3.8 mm and in total the red and blue sapphires are 1.15 carats total weight. Bright white round brilliant diamonds outline a figure eight which houses both pairs. The diamonds are prong set, weigh 0.50 carats total and are SI1 GH quality. The earrings are a bit over 1/2" in length and are made of 14K white gold.
• AGTA Gemstone Enhancement Codes N = Not Enhanced E = Routinely Enhanced C = Coating D = Dyeing F = Filling H = Heating HP = Heat & Pressure I = Impregnating L = Lasering O = Oiling/Resin R = Irradiation U = Diffusion W = Waxing/Polishing in Opaque Stones
• Color Symphony only sells gemstones that qualify as being natural. This includes both heated and unheated or untreated stones (with exception some blue topaz and colored diamonds may also be irradiated). As a proud member of the American Gem Trade Association we pursue ethical business practices and disclose all gemstone enhancements or treatments to our clients.


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Zimbabwe is set to join Rwanda on the Launch of Rwanda-Zimbabwe Trade and Investment Conference which is scheduled for 24-26 March in Kigali.
The conference is meant to find ways of boosting trade and investment between the two nations.
Deputy Minister of Foreign affairs and international Trade Honourable David Musabayana welcomed the initiative, describing it as a multifaceted approach that will see the two countries complementing each other in their economic aspirations. He said:
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The economic synergy that we are about to embark on with Rwanda is going to give the Zimbabwean economy the impetus for transformation.
Meanwhile, Rwandan Ambassador to Zimbabwe His Excellency James Musoni said that the partnership is the first of its kind in Africa. Musoni added that his country was prepared to share with Zimbabwe its experiences of sustained high economic growth for a mutually beneficial association.
Rwanda is one of the fastest-growing economies in Africa whilst the Zimbabwean economy has been lethargic and sometimes retrogressive over the past two decades.
More: Mukundi Africa; ZBC News


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August 31, 2012 (WLS) — 'GMA' host Robin Roberts' mother has passed away at the age of 88, just hours after Robin said goodbye to the show to take a medical leave of absence.
Roberts exited 'Good Morning America' to have a bone-marrow transplant from her sister Sally-Ann Roberts.
Roberts traveled home to Mississippi and made her way through flooded and blocked roads to be with her beloved ailing mother just in time.Lucimarian Tolliver Roberts was the first African American to head Mississippi's board of education.
She was passionate about music and the written word and even authored a book titled, "My Story, My Song," which Robin Roberts collaborated on.
Robin Roberts' last day on "Good Morning America" before leave was originally going to be Friday.
Robin Roberts told viewers in July that she has MDS, a blood and bone marrow disease once known as preleukemia.
But looking further ahead, Roberts noted she is luckier than many workers who become ill. She says her bosses have been generous in giving her the needed time off, and her job is waiting for her when she's well enough to return. She described herself as "very blessed."
"See you later. See you soon. I'll get back as soon as I can," she promised at the close of her emotional send-off from the show Thursday.
During her absence, a number of famous faces will be subbing for her, including previously announced fellow ABC News colleagues Katie Couric, Barbara Walters, Diane Sawyer and Elizabeth Vargas.
In addition, Roberts announced that Oprah Winfrey, Chris Rock and Rob Lowe will be among the stand-ins, as well as the cast of the ABC comedy "Modern Family."
But two of Roberts' on-air colleagues couldn't be there, thanks to the demands of breaking news.
From New Orleans, weather anchor Sam Champion voiced warm wishes, as did co-anchor George Stephanopoulos from the Republican National Convention in Tampa, Fla. He had left behind a gift for Roberts: a tap bell.
"Whatever you need, whenever you need it, ring that bell," he said.
CLICK HERE to read story
article courtesy of ABClocal.com


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CHESAPEAKE, Va. (WAVY) — A man who shot at police and later was involved in a standoff for nearly seven hours in April 2018 has been sentenced to 43 years in prison.
Jermel McSwain was found guilty Tuesday of two counts of attempted capital murder, two counts of use of a firearm in the commission of a felony, possession of a firearm by a convicted felon, eluding police and possession with intent to distribute schedule I or II controlled substances – second offense.
McSwain was sentenced to 43 years in prison and 40 years of probation.
He will pay $2,000 in fines and receive a 12-month suspension on his license.
Police said McSwain fired shots at officers during a two-city police chase.
Police attempted to stop someone driving a vehicle for a traffic violation on South Military Highway.
The driver did not stop, and a chase led police into Portsmouth. They then turned into a trailer park and fled on foot. The suspect fired a shot at officers before getting away; no officers were injured.
The shots left several bullet holes in the windshield of a police cruiser.
McSwain got away, but was arrested less than a week later after a nearly seven-hour barricade situation.
Police said a search of the car left behind that day by McSwain revealed capsules of white powder, a bag of green plant material, and a bag of white powder in the car.
Records also show a gun, a box of bullets, and hundreds of dollars in cash were also in his car.


text:
- It says my account is pending, what does this mean?
- An email has not come through?
- How do I reset my password?
- I do not see the "Lessons" or "My Pupils" options?
- My school does not appear when I search?
- I cannot change my display name?
- My work is upside down and needs to be rotated
- Oh no! Something went drastically wrong. Help?


text:
Here's everything you need to know about when the dance show will be back in 2019.
When does Strictly Come Dancing 2019 start?
An exact date has not yet been confirmed for the start of Strictly 2019 but it's likely to kick off in September.
In 2018 the line up was revealed at the end of August with the launch show on September 8.
The competition was won by journalist Stacey Dooley and her pro dance partner Kevin Clifton.
She will feature in the live tour along with other stars from the series including Ashley Roberts, Joe Sugg and Faye Tozer.
Who is rumoured to be in the line up of Strictly 2019?
There has already been some speculation as to who could be in the line-up of Strictly 2019.
It was confirmed that Alan Carr was the first star to be offered a spot on the show.
A source said: "Alan has met with the bosses and they all hit it off straight away.
"He's a perfect celebrity for Strictly because he's popular, funny and throws himself into everything — but has never had a day's dance training in his life.
Fearne Cotton is also rumoured to appear on the show.
Who is hosting Strictly 2019?
The 2019 series is likely to see the return of popular presenting duo Tess Daly and Claudia Winkleman.
The judging panel of Bruno Tonioli, Shirley Ballas, Darcey Bussell and Craig Revel Horwood will also stay the same.
And the evening show It Takes Two could also be back, but as Zoe Ball is taking over the Radio 2 Breakfast Show it is not known if she will remain at the helm.
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