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The following Cyclone Advice has been issued by the Bureau of Meteorology.
Schools and Faculties should check their areas of responsibility and secure any loose items.
Staff and students are advised to review their personal cyclone preparations. Information and advice is available on the JCU Emergency Website and the Bureau of Meteorology site.
Staff and students may obtain updated information at Bureau of Metrology Cyclone Information site.
Any persons planning to travel in the affected areas should check latest Cyclone Information prior to commencing travel.
A further email will be sent if and when a Cyclone Watch is issued.
Australian Government Bureau of Meteorology
Tropical Cyclone Warning Centre
Media: The Standard Emergency Warning Signal should NOT be used with this
Issued by the Bureau of Meteorology, Brisbane
Issued at 10:56am EST on Thursday the 18th of March 2010
A Cyclone WATCH has been declared for coastal areas from Cardwell to Yeppoon.
At 10:00 am EST Severe Tropical Cyclone Ului, Category 3 was estimated to be
1140 kilometres northeast of Mackay and
1310 kilometres east of Cairns and
moving south southwest at 6 kilometres per hour.
The cyclone is expected to remain about the same strength.
Severe Tropical Cyclone Ului is expected to begin moving in a south-westerly
direction tonight towards the Queensland coast.
On current predictions the most likely scenario is for the cyclone to cross the
coast Sunday morning between Cardwell and Mackay. However, it is important to
understand that some uncertainty remains in this outlook period.
DAMAGING winds should develop between Cardwell and Yeppoon during Saturday as
the cyclone approaches the coast.
The windy conditions over much of the Queensland east coastal waters will
continue due to the tight pressure gradient generated by a combination of a high
pressure system situated in the Tasman Sea and Severe Tropical Cyclone Ului.
Seas and swell are expected to increase along much of the Queensland east coast
and produce dangerous surf conditions on the exposed coasts.
People between Cardwell and Yeppoon should consider what action they will need
to take if the cyclone threat increases. If you are unsure about the actions to
be taken, information is available from your local government or local State
Emergency Service.
Details of Severe Tropical Cyclone Ului at 10:00 am EST:
.Centre located near...... 15.0 degrees South 157.8 degrees East
.Location accuracy........ within 20 kilometres
.Recent movement.......... towards the south southwest at 6 kilometres per hour
.Wind gusts near centre... 205 kilometres per hour
.Severity category........ 3
.Central pressure......... 960 hecto Pascals
Please ensure that neighbours have heard and understood this message,
particularly new arrivals or those who may not fully understand English.
The next advice will be issued by 5:00 pm EST Thursday 18 March.
Ian B Brooks | Manager – Security and Parking, Facilities Management Office
Division of Finance and Resource Planning
James Cook University, Angus Smith Drive, Douglas, QLD 4811
JCU CRICOS Provider Code: 00117J


text:
Debra Silverman is a psychologist and astrologer with over 40 years professional experience. In this episode we talk about how understanding astrology can help guide us to live a soul centred and happier life. Debra and I chat about:
- The 12 sun signs/ star signs and what they say about your personality
- My personal astrology chart and what it says about me
- The moon and rising signs
- The past 18 months and Debra's take on this
- Debra's background and journey to astrology
- Debra's wellness routine and top tip for inner peace
You can connect with Debra via:
Debra Silverman Astrology | Facebook
Debra Silverman Astrology – YouTube
@debrasilverman_astrology – Instagram
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Congratulations to our Bedford's Best Recognition Recipient, Goodview Elementary School's Octavia Davis!
Congratulations to our Bedford's Best Recognition Recipient, Liberty High School's Melissa Friedewald!
Nomination: "Ms. Friedewald has been instrumental in the success of my daughter. She always goes the extra mile for her students - not only academically but emotionally as well. She has revealed talent in my daughter that I truly believe may not have been revealed without the instruction that Ms. Friedewald provided."
Congratulations to our Bedford's Best Recognition Recipient, Huddleston Elementary School Bus Driver, Glenn Hancock!
Nomination: "Mr. Glenn is always there for the children on his bus. He always does his very best to keep them safe. He spoils them at Christmas time, etc. He sends them cards in the mail when something is going on in their life to raise their spirits. He is always there for them no matter what. He goes above and beyond. We wouldn't want any other bus driver."
Congratulations to our Bedford's Best Recognition Recipient, Forest Middle School's Jim Fitch!
Nominations: "Mr. Fitch was my 8th grade geometry teacher last year, and he is the best teacher I have ever had. Mr. Fitch is one of those teachers you remember years after you leave their class. He is always fair, very kind, and extremely funny. He really helped me when I was struggling with math, and always encouraged all of his students to do their best."
"He is the best teacher I have ever had. I got the best math grade that I've had in my entire student career, even though geometry was really hard for me. His teaching style was versatile and fit each student's individual needs."
Congratulations to our Bedford's Best Recognition Recipient, Bedford Elementary and Liberty High School Crossing Guard, Patrick Northrup!
Nomination: "He has a very dangerous job standing there directing traffic on 122. He does an amazing job keeping the traffic flowing in and out smoothly. You can definitely tell when he isn't there or someone else is directing traffic because things get backed up and don't flow as smoothly. He has a job that we all take for granted. He puts himself out there in front of those vehicles and does it efficiently no matter what the weather. He directs traffic at Bedford Elementary and then drives over to Liberty Middle/High School."
Bedford County Public Schools in partnership with the Bedford Area Educational Foundation will be using our Bedford's Best program to recognize two staff members a month in our school division who go above and beyond to make a difference in people's lives every day.
Here is our first Bedford's Best Recognition Recipient for this school year. Congratulations to Otter River Elementary School's Bethany Lyle!
Nominations: "I am not sure I can explain just how much Mrs. Lyle has helped our daughter during these past few years. I do not mean with covid related problems, I just mean our daughter needed someone to talk to that wasn't us. She needed someone who could listen and understand, and also help teach her the tools that she needed to handle things better. My daughter came home after first meeting with Mrs. Lyle and the first thing she said was, "Mom, Mrs. Lyle just understands me, she gets me!" Last year we had so many changes all in 1 month. It was a lot. Mrs. Lyle was the glue that held me and my daughter together. I am not sure how my daughter would have handled everything without Mrs. Lyle being there to support and understand. We are so happy Mrs. Lyle ended up at Otter River, and without a doubt, she is one that I consider to be Bedford's Best. She is so deserving of this recognition."
"When our daughter was having a rough time handling her emotions and we could tell something just was not right. We asked Mrs. Lyle to speak with her. She has been a very important part of our daughter's growth and has helped her find new ways to cope with the things that bother her. I am so appreciative to Mrs. Lyle because she truly helped our daughter through a very tough time. There are many other staff and faculty at Otter River who deserve recognition, but I believe that the love and kindness that Mrs. Lyle shows each and every student (and family) that comes through her door deserves to be recognized."
Congratulations to our Bedford's Best Recognition Recipient, Forest Elementary School's Taylor Murphy!
Nomination: "Ms. Murphy has been an exceptional teacher for my child. She brings out the best in her every day. She not only pushes the children to exceed their potential every day, but also assists them to give them much needed encouragement. Ms. Murphy has been by far one of the best examples of a true and caring role model for my child. You know that you have an amazing teacher when your child comes home and begs to send her a message through Dojo to say she misses her. Thank you for leading our young minds!"
Congratulations to our Bedford's Best Recognition Recipient, Staunton River Middle School's Amanda Heffelfinger!
Nomination: "Mrs. Heffelfinger has been a solid support system for my daughter at Staunton River Middle. Showing compassion, understanding, and offering solutions to help her with hard days. I appreciate the extra effort and care!"
Congratulations to our Bedford's Best Recognition Recipient, New London Academy's Jennifer Foust!
Nomination: "I often think school psychologists' work goes unnoticed & they really are such an important piece to our schools. Mrs. Foust is no exception, she is the BEST and goes above & beyond every day to provide support to students, staff, & parents! She is always willing to provide suggestions & help implement strategies for kiddos. She takes the time to help support parents in understanding the special education eligibility process. Lastly, she is always willing to provide a listening ear to staff and help to support them in any way she can."
Congratulations to our Bedford's Best Recognition Recipient, Goodview Elementary School's Marianne Masters!
Nomination: "All of my kids love Mrs. Masters, she's taught them all in P.E. Class. But during the 2020-21 school year she was my youngest child's homeroom teacher for second grade. Classes were small with so many new restrictions and rules. I was worried it would be such a hard and sad year for my kids, especially the little one. But she told me it was the best year ever and Mrs. Masters is the best. I'm so grateful that Mrs. Masters made the year so great. They did fun things, they learned in a fun atmosphere and got to be kids with a teacher that's always positive. There is no wonder why all the kids love her."
Congratulations to our Bedford's Best Recognition Recipient, Jefferson Forest High School's Justin Silvey!
Nomination: "We transferred in from another school district last year and there was quite a bit of challenge adjusting to not only a new school district, but to hybrid learning as well. The entire counseling staff was so great last year helping us with the transition. A few weeks ago, my daughter had some questions around her GPA and sent Mr. Silvey an email. He took time to sit with her and explain things so clearly in regards to her GPA. What I loved most is the time he took to ask incredible questions in regards to her overall health. When he spoke with me on the phone after and explained his questions, I was thankful to have someone so intentional with the students he interacts with. His questions should be standard for all ages because I've made a point to ask them to others and the response is inspiring. He is changing his part of the world one student (and parent) at a time. Mr. Silvey is truly the Best! "
Congratulations to our Bedford's Best Recognition Recipient, Stewartsville Elementary School Bus Driver, Annette Martin!
Nomination: "My children have been riding her bus for 5 years now. She always goes out of her way for them and all of the students on her bus. When it's their birthdays, she gives gifts and celebrates holidays with them. Also, she goes out of her way if we are having trouble in the morning. She will wait for us and always goes out of her way to make sure we are aware of any delays or changes. She buys gifts and cute masks for the kids out of her own money. I can just tell that she loves the kids and loves her job. She is truly a blessing to us."
Congratulations to our Bedford's Best Recognition Recipient, Liberty High School's Aaron Turner!
Nomination: "Mr. Turner has been instrumental in the transition of my son from middle to high school. He has taken the time to get to know my son, which is no easy task, as he has trouble trusting most adults. Mr. Turner is what you envision when you hear people talk about a teacher that changed their life. He takes the time, he invests in the kids he teaches, he makes sure he learns about what interests them so he can engage them in conversation and be THEIR PERSON.....which goes such a long way these days. He also holds them accountable....when Mr. Turner is disappointed in them, the kids feel that deeply. Mr. Turner is, by far, the embodiment of today's teacher. He realizes that connection matters along with academics and that the kids are more than a paycheck. We should have more teachers like him in Bedford County."
Congratulations to our Bedford's Best Recognition Recipient, Boonsboro Elementary School Bus Driver, Harry Ford!
Nomination: "Mr. Harry has been my daughter's bus driver for the past 3 years. She was so scared to ride the bus in Kindergarten a few years ago, and we were able to meet him one-on-one by chance in the parking lot at open house. He was so kind then (easing her fears), and has continued to show that same kindness every day. We love seeing him pull up and give us both a wave in the morning. Bus drivers are so important and have such an impactful job, and I'm grateful that I know my daughter is in safe hands every day. He is kind, always smiling (behind his mask), and makes it a point to wave and say hello every day. Keep up the great work, Mr. Harry! Your dedication doesn't go unnoticed!"
Congratulations to our Bedford's Best Recognition Recipient, Liberty Middle School's Scott Graham!
Nomination: "Scott Graham is the representation of what all educators should be! He is very involved with all the students, facility, staff, and parents. He is patient, kind, loving, encouraging, and above all, he truly cares for all of his students as if they were his own children. He motivates them to see the best within themselves and pushes them to be the best version of themselves daily."
Congratulations to our Bedford's Best Recognition Recipient, Staunton River Zone's Sherry Ayers!
Nomination: "Sherry is stretched working throughout the Staunton River Zone and still has the capacity and zeal to meet each family, with whom she works, where they are! She is vibrant and puts a smile on so many faces by simply being who she is. She works passionately and tirelessly with/for our students and families. She goes above and beyond the call of duty, and we appreciate her care and dedication!"
Congratulations to our Bedford's Best Recognition Recipient, Forest Middle School's Becky Mays!
Nomination: "Becky truly understands how to meet a student where they are and will make over 1000 attempts for them to feel successful, welcomed and a part of a large learning community invoking success and true understanding. She recognizes that teaching is more than just making sure that students have the content. Especially during these very unusual teaching times, she is able to balance multiple grades and multiple learning losses while still allowing each student to feel appreciated and accomplished. Isn't that what we really want in all of our teachers?"
Congratulations to our Bedford's Best Recognition Recipient, Bedford Primary School's Katie Clark!
Nomination: "I spent a lot of time volunteering at BPS when my son was there. I remember the first time I saw Katie Clark interacting in the cafeteria with her students - it was something I had never really seen before. The absolute love she has for her students is so evident. She is patient, kind, and puts so much into her job as a Special Education teacher. I always noticed how good she was with her kids, and how she put her all in every single day. I'm sure the parents of her kids know how lucky they are - as I was just someone who observed on multiple occasions what an amazing teacher she is! She is truly deserving of recognition!"


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Restructuring of gasification assets to unlock value for RIL
Gasification Undertaking is proposed to be transferred, as a going concern on Slump Sale basis, by way of a Scheme of Arrangement.
Gasification Undertaking is proposed to be transferred, as a going concern on Slump Sale basis, by way of a Scheme of Arrangement.
The company said that the carbon dioxide released during the process of producing 'Hydrogen' is highly concentrated and easy to capture, substantially reducing the cost of carbon capture.
This 100 MT coal gasification will happen in three phases. In the first phase -- from 2020-2024 -- 4 million tonnes (MT) of coal will be gasified and around Rs 20,000 crore will be invested for the same
During the gasification process, oxygen and water molecules oxidize the coal and produce syngas - a gaseous mixture of carbon dioxide (CO2), carbon monoxide (CO), water vapour (H2O), and molecular hydrogen (H2)
Pradhan stated that Odisha PCPIR was approved in December 2010 and the Memorandum of Association was signed between the Government of India and Odisha in November, 2011
Backed by Asia's largest alternative investment fund PAG, Yingde plans to invest more than $1 billion in India over the next five years to pursue organic and inorganic opportunities, a senior official said.
D K Sarraf, chairman at Petroleum Natural Gas Regulatory Board highlighted the difficulties being faced by CGD players to set-up projects
The 10 synthetic gasifiers that make up the project are now finally commissioned
A high-level committee under Chief Minister Naveen Patnaik will be clearing IOCL's expansion proposal on Monday.
China, the world's top crude oil importer, will maintain annual crude oil production of 200 million tonnes, or about 4 million barrels per day, before 2030, CNPC said
China, the world's top crude oil importer, will maintain annual crude oil production of 200 million tonnes, or about 4 million barrels per day, before 2030, CNPC said
The company, AG Dauters Waste Processing Private Limited, will set up an integrated plant based on German technology to process the solid waste generated in the city and produce energy, biodiesel and water as well.
Through its partnership with MN Dastur & Co, a premier consulting firm in the metals, mining and energy sector, the US Department of Energy and its National Carbon Capture Center (NCCC) envisions to accelerate the participation of government of India institutions and the Indian private and state enterprises
The ban would also benefit LNG importers and LNG regasification terminal and gas pipeline entities, as other industrial units shift from petcoke to alternate fuels such as natural gas
Usage of petcoke, a dirtier alternative to coal, in the energy-hungry country has come under scrutiny due to rising pollution levels in major cities
China National Offshore Oil Company said on Wednesday it aims to boost domestic oil and gas proven reserves including a 10-year plan to stabilise annual output at its top fields at Baohai Bay at 30 million tonnes
"Reliance is executing major projects in its energy and materials chain at Jamnagar covering para-xylene, cracker complex along with downstream plants."
Coal India had entered into talks with Sasol Ltd for setting up at least a Rs 3,000-cr project with coal supplied from either IB-valley or Talcher in Orissa.
CSIRO and NTPC have signed a letter of intent for scientific collaboration and to encourage joint research activities in the area of low-emission.
Union Minister Nitin Gadkari said the government is importing urea from China which is making it through coal gasification.


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In This Issue:
Common Toxins and Their Effects
Toxin Blocks and Tackles
Quick Links
Patient Testimonial: feeling great!
Next Lunch & Learn Wed, Dec 16th, 12-1pm
Triumph Pharmacy
Product of the Month: PaleoCleanse
Recipe of the Month: Mini Pumpkin Bites
Employee of the Month: Celeste Valle, MBA
Don't forget your loved ones as you purchase Christmas and Holiday gifts. We have GIFT CARDS to be used toward products and services including complete wellness programs, weight loss programs, nutrition services, supplements, B-12 injections, Meta-check metabolic analysis, allergy testing, customized gift baskets, and more!
And forget about Cyber Monday, click
to see our specials that last all month!
Quick Links:
Current Promotions
About us
Meet our Staff
Testimonial of the month
(an unsolicited email from a patient, Mrs.S.S.)
Hi Dr. M,
Great trip to Houston last week and sincerely enjoyed having time to meet with you to discuss my wellness plan for the upcoming year. I truly appreciate being a patient of yours and all your valuable advice. I'm feeling great and want to keep that going ... thank goodness I have YOU!
You also may be seeing two dear friends of mine that live in the Houston area. They asked me a ton of questions about what I was doing with you and how I was looking and feeling so good.
Read on..
Learn about
pellet therapy
as a hormone replacement option for our male and female patients.
Lunch & Learn
Dr. Mila McManus, founder of
The Woodlands Institute
for Health & Wellness,
cordially invites you to a
Lunch and Learn.
Dec 16th
12:00pm to 1pm
While enjoying a healthy lunch, compliments of
The Dinner Dude
listen to Dr. McManus speak about safe, natural, and effective solutions to your health problems. She will also discuss the latest on the
HCG diet
Share the good news
and bring a friend!
Seating is Limited.
Reserve your spot today!
RSVP to
[email protected]
call (281) 298-6742
Triumph Pharmacy
Triumph Pharmacy
is proudly serving our patients and their pets!
Chlordanes and Pthalates and Solvents...Oh My!
by Mila McManus MD
Toxins are everywhere and often unavoidable. They affect your body in various harmful ways. Know your risks and learn how to mitigate them in this article.
If you eat or breathe, you are introducing toxins into your body. It's been almost 4 years since we addressed this in our newsletter and felt that it was a great topic to revisit.
The toxins we are ingesting and inhaling relate mostly to our diet, lifestyle, and the quality of air we breathe. Ridding our bodies of toxins requires, above all, avoidance of them. It's much easier, more effective, and much more efficient to decr
ease your toxic load by avoidance than by trying to rev up detoxification with supplements, saunas, and chelation therapy (treatment for heavy metal toxicity). You can reduce your toxic load by up to 85% if you clean up your diet, don't smoke, and purify the air in your home
. A study done on non-exposed
people (i.e. people
not known to have been exposed to a particular toxin through their work, etc) showed an average of 91 toxins in their bodies, at least 50 of which were carcinogenic, and others that cause birth defects and/or are toxic to the nervous system, endocrine (hormone) system, and immune system. Scary, huh ?!
Read on..
Toxin Blocks and Tackles!
by Nancy Mehlert, MS
It is football season, so as I watch the players on the field blocking and tackling I cannot help but think about how that should be our attitude toward our toxic world. We need to block our exposure to as many toxins as possible and then tackle those that have already gained entrance to our body.
Fortunately, our body does have natural detoxification pathways which, when supported nutritionally and with supplements, are designed to detoxify routinely. In fact, every time you exhale, every time you sweat or use the bathroom or blow your nose, you are witnessing your body busy at the work with waste elimination. Yeah, I know, cleaning is never a pretty topic!
Some chemicals have a very short half-life and are out of the body within 24 hours, while others hang around in your body for several decades!
So what are specifics? Where should you start? Well, let's get the game started, kick off with some ways to Block, and then some ways to Tackle!
Read on..
Product of the Month:
PaleoCleanse Plus Detox packets
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The Woodlands Institute for Health & Wellness
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50th Anniversary of Carl Sandburg Home National Historic Site
October 17, 2018 @ 9:00 am - 4:00 pmFree
Carl Sandburg Home National Historic Site will celebrate its 50th anniversary with poetry, music, house and museum tours, outdoor activities, birthday cake, and a ceremony commemorating Sandburg's legacy. The public is invited. People are invited to join a community reading of Sandburg's The People, Yes, considered to be one of his most important poems.


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I'm Stuck on You Magnet
Succulents are so popular right now, but if you are bad at keeping plants alive put this cute cactus magnet on your fridge! No watering required to keep the plants alive!
- "I'm stuck on you"
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New York, November 09, 2021 -- Moody's Investors Service (Moody's) has affirmed the Ba3 corporate
family and senior secured ratings of Claros Mortgage Trust, Inc.
(CMTG), and revised its outlook to stable from negative.
Today's rating action reflects Moody's assessment of CMTG's resilient
performance during the coronavirus pandemic-induced downturn in
the commercial real estate (CRE) sector, and its expectations that
over the next 12-18 months, CMTG's asset quality will continue
to improve and its capitalization will remain strong.
Issuer: Claros Mortgage Trust, Inc.
....Corporate Family Rating, Affirmed
....Senior Secured Bank Credit Facility,
Affirmed Ba3
Outlook Actions:
..Issuer: Claros Mortgage Trust, Inc.
....Outlook, Changed To Stable From
CMTG's Ba3 long-term corporate family rating reflects the
benefits to creditors from the company's strong capital adequacy,
including low leverage, and solid profitability. The ratings
also reflect the risks from CMTG's concentration in CRE lending,
its significant reliance on confidence-sensitive secured funding,
which encumbers certain of its earning assets limiting its access to the
unsecured debt markets particularly during times of stress, and
its limited operating history through a full credit cycle given the company's
recent formation in 2015.
A key credit strength for CMTG is its strong capital adequacy, which
provides it with significant capacity to absorb losses for any unexpected
deterioration in asset quality. The company's capital ratio (measured
by Moody's tangible common equity/tangible managed assets) was approximately
36% as of 30 June 2021, the highest among all rated non-bank
CRE lenders. In addition, CMTG's gross leverage (measured
by total debt/equity) was relatively low at approximately 1.7x
as of the same date. CMTG's recent initial public offering,
which resulted in over $100 million of gross proceeds, should
modestly reduce the company's leverage. We expect CMTG's
capital and leverage ratios to compare favorably to peers over the next
several years, though they will likely weaken as the company grows
its loan portfolio.
CMTG's concentration in the highly cyclical CRE sector is a key credit
challenge inherent in its business model. The coronavirus pandemic-induced
downturn in the CRE sector led directly to deterioration in CMTG's asset
quality, mainly driven by certain loans in CMTG's land and hotel
portfolios. As of 30 June 2021, CMTG's ratio of problem loans
to gross loans was a high 8.6%, the weakest among
rated peers. However, during the third quarter of 2021,
a loan representing 4.0% of the total was repaid.
At 30 September 2021, CMTG's ratio of problem loans to gross
loans had decreased to 5.9%; excluding loans that are
current on debt service, the problem loans ratio was 4.7%.
Moody's expects CMTG's non-accrual loans to gradually
decline over the next 12-18 months as operating conditions improve
and the company makes progress resolving these problem credits.
Despite the elevated level of non-accrual loans, CMTG has
not incurred any credit losses since the start of the pandemic.
Moody's attributes this performance largely to CMTG's focus
on first-lien mortgages, low average loan-to-values
(65.9% weighted-average loan-to-value
as of 30 June 2021), properties located in major US markets that
usually experience more limited price declines during downturns than suburban
areas, and well-capitalized institutional borrowers.
Moody's also notes that recent growth in the loan portfolio has
been focused on markets outside of New York, helping to reduce the
portfolio's geographic concentration.
Moody's has revised CMTG's outlook to stable from negative based on the
resilience of the company's performance during the coronavirus pandemic-induced
CRE downturn, and its expectations that asset quality will improve
and capitalization will remain strong over the next 12-18 months.
CMTG's ratings could be upgraded if the company: 1) improves
its funding profile by reducing its reliance on confidence-sensitive
secured borrowings, 2) increases its business diversification while
maintaining good asset quality, 3) continues to demonstrate strong,
predictable profitability, and 4) maintains high capital levels
and low leverage that compare favorably to peers.
CMTG's ratings could be downgraded if the company: 1) experiences
a material deterioration in asset quality and profitability, or
2) increases its leverage (debt/equity) ratio above 3.5x given
the current portfolio mix.
The principal methodology used in these ratings was Finance Companies
Methodology published in November 2019 and available at https://www.moodys.com/research/Finance-Companies-Methodology--PBC_1187099.
Alternatively, please see the Rating Methodologies page on www.moodys.com
for a copy of this methodology.
For further specification of Moody's key rating assumptions and
sensitivity analysis, see the sections Methodology Assumptions and
Sensitivity to Assumptions in the disclosure form. Moody's
Rating Symbols and Definitions can be found at: https://www.moodys.com/researchdocumentcontentpage.aspx?docid=PBC_79004.
For ratings issued on a program, series, category/class of
debt or security this announcement provides certain regulatory disclosures
in relation to each rating of a subsequently issued bond or note of the
same series, category/class of debt, security or pursuant
to a program for which the ratings are derived exclusively from existing
ratings in accordance with Moody's rating practices. For ratings
issued on a support provider, this announcement provides certain
regulatory disclosures in relation to the credit rating action on the
support provider and in relation to each particular credit rating action
for securities that derive their credit ratings from the support provider's
credit rating. For provisional ratings, this announcement
provides certain regulatory disclosures in relation to the provisional
rating assigned, and in relation to a definitive rating that may
be assigned subsequent to the final issuance of the debt, in each
case where the transaction structure and terms have not changed prior
to the assignment of the definitive rating in a manner that would have
affected the rating. For further information please see the ratings
tab on the issuer/entity page for the respective issuer on www.moodys.com.
For any affected securities or rated entities receiving direct credit
support from the primary entity(ies) of this credit rating action,
and whose ratings may change as a result of this credit rating action,
the associated regulatory disclosures will be those of the guarantor entity.
Exceptions to this approach exist for the following disclosures,
if applicable to jurisdiction: Ancillary Services, Disclosure
to rated entity, Disclosure from rated entity.
The ratings have been disclosed to the rated entity or its designated
agent(s) and issued with no amendment resulting from that disclosure.
These ratings are solicited. Please refer to Moody's Policy
for Designating and Assigning Unsolicited Credit Ratings available on
its website www.moodys.com.
Regulatory disclosures contained in this press release apply to the credit
rating and, if applicable, the related rating outlook or rating
Moody's general principles for assessing environmental, social
and governance (ESG) risks in our credit analysis can be found at http://www.moodys.com/researchdocumentcontentpage.aspx?docid=PBC_1288235.
The Global Scale Credit Rating on this Credit Rating Announcement was
issued by one of Moody's affiliates outside the EU and is endorsed
by Moody's Deutschland GmbH, An der Welle 5, Frankfurt
am Main 60322, Germany, in accordance with Art.4 paragraph
3 of the Regulation (EC) No 1060/2009 on Credit Rating Agencies.
Further information on the EU endorsement status and on the Moody's
office that issued the credit rating is available on www.moodys.com.
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issued by one of Moody's affiliates outside the UK and is endorsed
by Moody's Investors Service Limited, One Canada Square,
Canary Wharf, London E14 5FA under the law applicable to credit
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available on www.moodys.com.
Please see www.moodys.com for any updates on changes to
the lead rating analyst and to the Moody's legal entity that has issued
the rating.
Please see the ratings tab on the issuer/entity page on www.moodys.com
for additional regulatory disclosures for each credit rating.
Joseph Pucella
Senior Vice President
Financial Institutions Group
Moody's Investors Service, Inc.
250 Greenwich Street
New York, NY 10007
Client Service: 1 212 553 1653
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Associate Managing Director
Financial Institutions Group
Client Service: 1 212 553 1653
Releasing Office:
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New York, NY 10007
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Food & Drink
Where the Possibilities are Endless
Singapore's pavilion is 'an oasis in the desert' at Expo 2020 Dubai
Jacopo Prisco, CNN • Updated 2nd December 2021
There is no shortage of eye-catching structures at Dubai's World Expo, but the lush greenery of the Singapore Pavilion makes it a standout. Built around three massive plant-covered cones, the pavilion isn't a traditional enclosed building, trading walls for a green belt of trees and plants capable of creating their own microclimate.
Visitors enter through a garden meant to appear as an oasis in the desert, which connects with Singapore's reputation as a "City in Nature" and offers a corner of calm in the middle of the bustling Expo. "But it's not just a pavilion filled with greenery," says Phua Hong Wei, director of WOHA, the Singapore architecture firm that designed the pavilion. "It showcases the coexistence of architecture and nature. It demonstrates that buildings can be designed as a responsible and sustainable environment, achieving net-zero energy and water in the desert. It becomes a prototype with strategies that are scalable and adaptable, from buildings to cities."
Related content
This Expo pavilion makes its own water and energy
Inside, the three nine-meter tall cones function as thematic areas, under the shade of a hanging garden. In the City Cone, a film narrates the rise of urban areas and the challenges threatening the natural world; in the Rainforest Cone, a high density of plants imported from Singapore recreates a slice of thick jungle; and in the Flower Cone, darkness sets the atmosphere for a visual feast created by a myriad of orchids.
The pavilion's canopy walk.
courtesy Quentin Sim
Green technology
The structure is designed as a series of linked systems, inspired by nature. A canopy over the top, with more than solar 517 panels, generates clean energy that powers everything. Water is drawn from the ground and desalinated to irrigate the plants and provide cooling via mist fans; these use high-pressure nozzles to create a fine mist that lowers the perceived temperature by 6 to 10 degrees Celsius, keeping the pavilion cool in the desert without using air conditioning.
The greenery covering the ground, walls and ceiling acts as a natural surface to keep the temperature down and filter the air. Small robots traverse the green walls, equipped with cameras and sensors that monitor the health of the plants and collect data such as humidity and oxygen levels. With that information, the amount of water is calibrated for irrigation and grow lights are adjusted.
Singapore's pavilion at Expo 2020 Dubai is a vision of green innovation.
"The climate crisis reminds us that humans are part of the larger ecosystem and we cannot ignore the impact of human actions on the planet," says Phua. "The Covid pandemic is another alarm bell that made us realize how valuable access to space and nature is. Both are critical reminders that we have to actively and urgently care for the environment. The pavilion takes an approach that buildings should do more, give back and make a positive impact on our environment."
Related content
Italy's eco-friendly Expo pavilion is made using orange peel and coffee grounds
On the top floor, a "sky market" offers a space filled with vendors and workshops, and a circular gallery illustrates Singapore's relationship with nature. The theme of the pavilion is "Nature, Nurture, Future," intending to show how nature, technology and architecture can be integrated, and highlighting the city-state's track record in this area. Although densely populated, almost half of Singapore is covered in trees or vegetation, with this "green coverage" growing from 36% in 1986 to nearly 50% today.
According to Phua, many of the technologies implemented at the pavilion can be replicated in other buildings, or even at a city-wide scale. "Our solar canopy, desalination plant, auto-irrigation system and dry mist fan are integrated systems that enhance and improve the environment," he says.
"By incorporating nature into our buildings and cities, and protecting our natural spaces, flora and fauna, we can take crucial steps in the fight against climate change."
A year of the world's
Best Beaches
There's a perfect beach for every week of the year. Join us on a 12-month journey to see them all
Go to the best beaches


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So far, nothing about the 2020 presidential race has been must-see TV. The candidates are well known. The storyline of the race is also well known.
The weird nature of campaigning in the age of COVID-19 has meant there are few spontaneous moments, like, say, Barack Obama meeting Joe the Plumber in 2008. Even the highly produced pair of national political conventions didn't have a single moment that is still being discussed a month later.
Indeed, the issues that have defined this race have little to do with the candidates themselves. Those would be the coronavirus, the economy, police shootings of Black people and a movement for racial justice, wildfires, and the death of Supreme Court Justice Ruth Bader Ginsburg.
So it is almost by default the first presidential debate on Tuesday night will be the most important evening in the presidential race so far. But one could go further: the first 30 minutes of the debate will be the most important of any half-hour before or after in the entire campaign.
Some of this is obvious. In 2016, the first presidential debate was the most-watched one in American history, with some 86 million viewers tuning in. A new Monmouth University survey said that three out of four voters in 2020 say they plan to watch the first debate. Importantly, in our deeply fractured media world, Americans of all backgrounds will do so in a communal event: every screen will have the same image and words, without breaks for spin and pundits, and without commercials.
In previous elections, political strategists generally point to the first 30 minutes of the first presidential debate as critical. They do so for fairly generic reasons: Can the American public actually see either one of the people on stage as president? This is particularly true for a challenger against a sitting president.
Further, in the first 30 minutes, we will have a sense of how the entire remaining debate series will go, as in are the candidates prepared and respectful or is the whole thing a hot mess?
While America has seen a lot of President Trump this year, they haven't seen a lot of Joe Biden, who has decided to campaign largely virtually due to the pandemic. Trump has framed Biden as an old man hiding his senility by staying in his basement.
In the first 30 minutes of the debate, Americans will get to judge for themselves whether Biden is ready. But Team Biden hopes the first 30 minutes won't be just a test for Biden, but the moment when the contrast between Biden and Trump is the clearest.
So, yes, the stakes are high, particularly for President Trump, who has trailed Biden in every national poll all year and appears to be headed for defeat in the critical swing states. Trump is a television showman, of course, and if he wants to do something, er, unconventional, he will have a wide opening at the beginning when the first debate topic is Biden's and Trump's records.
In 1960, Americans famously got their first physical impression of John F. Kennedy and Richard Nixon as they delivered opening statements. In the 1980 debate, Ronald Reagan seemed reasonable, not a hardliner, when he smilingly chided Jimmy Carter for an attack and said, "There you go again." In 1992, third-party candidate Ross Perot got the first question and got to share the stage with the sitting Republican president and Democratic nominee, which set the tone for the campaign. In 2000, the first question was about George W. Bush's readiness to be president.
So far, the race this year has been remarkable in this way: Biden's lead has been so stable, particularly in extraordinarily unstable times around the country. The first 30 minutes is one of the last chances for Trump to change that dynamic. One thing that Trump has going for him is that Biden hasn't had a good debate during this entire presidential race and he is a gaffe machine.
But if Biden survives the first 30 minutes of the first debate, the presidency could be his.
James Pindell can be reached at firstname.lastname@example.com. Follow him on Twitter @jamespindell and on Instagram @jameswpindell.


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Term Dates 2020, Workshops, One to Ones and Retreats
Updated: May 13, 2020
Due to Covid 19 government restrictions teaching will now start in the Autumn. If anyone wants contact with the teaching in the meantime please request a Zoom one to one through the contact page.
Autumn Term
Sept 7 to Nov 15
Winter Retreat - Nov 13 - 15
Timing and Location
Meditation - Saturday 12.15-1.45 Upper Studio Haelan Centre Crouch End N8
Practical Philosophy - Monday 7.30 Crouch End N8 (please contact for location)
One to Ones- Tuesday 10am to 10pm (please contact for location)


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Hydro Carbide
Hydro Carbide
Hydro Carbide Retains Sales in a Tough Market
Hydro Carbide manufactures tungsten carbide rod, die parts, rolls and other products for the metalworking market. The Gulfport, Mississippi, facility produces carbine rods for the aerospace and automotive industries and employs 100 people.
The Challenge
Hydro Carbide's Gulfport plant faced increasing pressure from the changing automotive and aerospace industries. The company was struggling to hold onto its market share and needed ways to cut costs and maintain their customer base. The Mississippi Manufacturing Extension Partnership (MEP.ms), a NIST MEP network affiliate, contacted Hydro Carbide to perform an assessment during the aftermath of Hurricane Katrina to determine their specific manufacturing needs. The assessment revealed their need for implementation of Lean manufacturing techniques.
MEP Center's Role
The company's Lean journey began with the MEP.ms Center at The University Of Southern Mississippi's Lean Enterprise Center (USM LEC) facilitating Principles of Lean Manufacturing workshops for the supervisors and shop floor employees. After the initial training, the MEP.ms Center at USM LEC along with the Hydro Carbide management began looking at specific issues on the factory floor and determined that excessive machine changeover times were a major constraint impacting lead times, customer deliveries and inventory levels. Focusing on these issues, the MEP.ms Center at USM LEC facilitated Set-up Reduction training and performed associated Kaizen events on specific machines throughout the plant. The training and implementation of set-up reduction techniques allowed employees to eliminate wasteful steps and focus on value-added activities. Results included lead-time reductions and increased on-time deliveries to customers.
• Retained sales of $5 million.
• Realized $322,000 in cost savings.
• Invested $150,000 in plant equipment.
"Implementing the Lean initiatives allowed us to keep our current level of business without having any cutbacks."Gary Dale, Plant Manager


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One of my favorite holidays is just around the corner! Three cheers for all things red, white and blue! Today I have teamed up with an amazing group of bloggers to bring you a giant round up of all things red, white and blue.
A big thanks to Abbey from The Cards We Drew for organizing this giant round up. For this big collaboration, I'm sharing the fun meringue cookie stands. You can see the whole post here.
I hope you all find a bunch of fun ideas to celebrate in style this 4th of July!


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|Kev Lobotomi <>, Ross Macfarlane <>, Tim Dolby <>, "" <>
|Mallee Emu-wren at Wyperfeld
|martin cachard <>
|Mon, 22 Sep 2014 18:41:25 +1030
hello all, further to my comment yesterday about Mallee Emu-Wrens in the Big Desert in the early 80's - i'm curious as to how extensively the area has been searched for them of late... it's a tremendous amount of remote relatively trackless country that I would imagine could well support any number of them there...??!! by the way Kev, Lake Tyrell has good reliable Redthroats too... cheers, martin cachard, cairns > Date: Mon, 22 Sep 2014 17:54:31 +1000 > Subject: Re: [Birding-Aus] Mallee Emu-wren at Wyperfeld > From: > To: ; ; ; > > > Since twitchers have been going there for 40 years looking for the only > twitchable population of redthroat in Victoria and despite this the redthroat > still survives there one would hope it wouldn't make any difference anyway. > Kevin bartram > > --- Original Message --- > > From: "Ross Macfarlane" <> > Sent: 22 September 2014 5:45 PM > To: "martin cachard" <>, "Tim Dolby" > <>, > Subject: Re: [Birding-Aus] Mallee Emu-wren at Wyperfeld > > Folks, this is tremendous news and potentially a really significant boost to > the survival chances of the Mallee emu-wren, as when Sarah Brown completed > her PhD a few years ago she was unable to locate any populations outside of > the Murray-Sunset / Hattah-Kulkyne complex, as it was generally believed the > populations in Ngarkat had been decimated by the fires in the early 2000s. > Since she also found they had very poor rates of dispersal, to find a > population here really is wonderful news as just maybe a small cryptic > population has been hanging on in a place no one had expected to find them. > > I would just like to add though: can we please not have a mad rush of > twitchers going looking for them in this place, at least and until someone > has been able to have a quiet look and see how many there are and how viable > this population is? This is one of our most vulnerable bird species, as the > MS/HK population is the last stronghold, and it could be wiped out overnight > by a big fire in the wrong place. This new population has the chance to > change the picture for this species' survival, so please can we not muck it > up until we know how safe it is in this new location... > > Yours in stipiturid sincerity, > Ross Macfarlane > > -----Original Message----- > From: martin cachard > Sent: Sunday, September 21, 2014 8:47 AM > To: Tim Dolby ; > Subject: Re: [Birding-Aus] Mallee Emu-wren at Wyperfeld > > hey Tim, > that's such wonderful news!! > > many moons ago I stumbled upon a family party of Mallee Emu-Wrens at Big > Billy Bore, further west in the northern Big Desert in the early 1980's... I > was in the area looking for Red-lored Whistlers. > the habitat was very thick Broombrush-heath with very sparse small patches > of spinifex, so it seems they don't mind sparse spinifex as a habitat > preference... > i'm not sure how long it's been since they have been recorded in the Big > Desert. > > cheers, > martin cachard, > cairns > > > > > From: > > To: > > Date: Sat, 20 Sep 2014 06:38:17 +0000 > > Subject: [Birding-Aus] Mallee Emu-wren at Wyperfeld > > > > Hi all, > > > > If anyone's heading to Wyperfeld National Park (Vic), Matthew Crawford has > > just photographed a family of Mallee Emu-wren along the Discovery Walk, > > see http://www.eremaea.com. Remarkably he found the birds in an area of > > open tea-tree woodland - although there are some stands of triodia nearby, > > he was some distance from significant area of triodia. Despite extensive > > previous surveys of Wyperfeld there's have been very reports of Mallee > > Emu-wren, and their presence along the Discovery Walk seems to me to be > > new and remarkable. In fact when I first heard about it I'd dismissed as > > miss-ID'd eclipsed Splendid or Variegated Fairy-wren. So I'm currently > > eating humble pie! Why are they there now? Migration, population > > expansion, or perhaps displacement due to fires? > > > > Cheers, > > > > Tim > > > > > > > > This email, including any attachment, is intended solely for the use of > > the intended recipient. It is confidential and may contain personal > > information or be subject to legal professional privilege. If you are not > > the intended recipient any use, disclosure, reproduction or storage of it > > is unauthorised. If you have received this email in error, please advise > > the sender via return email and delete it from your system immediately. > > Victoria University does not warrant that this email is free from viruses > > or defects and accepts no liability for any damage caused by such viruses > > or defects. > > > >
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Deepak Chopra and J Balvin, Pharrell Williams and Rosalía, Gustavo Dudamel and Carlos Vives and Ozuna and Afo Verde will be featured as part of a stellar set of insightful Q&A conversations during the 30th Anniversary Latin Music Week.
This year's event will take place virtually on its new dates October 20-23, 2020 here.
Latin star J Balvin will participate in a first-of-its-kind Q&A panel with well-being pioneer Deepak Chopra titled "Mind & Music: Finding Meaning and Fulfillment Through Mindfulness and Music." Balvin and Chopra will discuss what meditation means to them, its connection to music, and why they decided to start a meditation program together.
Grammy-winning Spanish singer-songwriter Rosalía will join a Q&A session with Oscar nominated, 13-time Grammy winning musician and producer Pharrell Williams in an artist to artist discussion of their parallel lives as renaissance artists with multiple ventures, from music to fashion.
Colombian singer-songwriter and philanthropist Carlos Vives will be joined by internationally renowned Venezuelan conductor Gustavo Dudamel, Music & Artistic Director of the Los Angeles Philharmonic, in an enlightening conversation on the power of music and the arts as a global agent of change for a better society.
And superstar Ozuna, one of the top-selling artists in the world, will join Afo Verde, Chairman & CEO, Sony Music Latin Iberia, to discuss the crafting, production and promotion of his hit albums and songs.
"At a time when Latin music is 'the new pop' and Latin artists are recognized in many different realms, we've brought together a fascinating group of artists with captivating personalities representing a diverse collective of topics: Film, classical music, wellness, social justice, fashion and the music industry, to name just a few," said Leila Cobo, vp, Latin Industry Lead, Billboard. "Together, they will have insightful, one-of-a-kind conversations that will highlight the Latin community in a way that's never been done before."
Celebrating its 30th anniversary, Latin Music Week will feature intimate artist conversations, industry panels, workshops and performances. Previously announced participants include Black Eyed Peas and Maluma. Artists confirmed for the two-part "On The Rise" panel include Mariah Angeliq, Camilo, Cazzu, Jhay Cortez, Lunay, Natanael Cano, Nicki Nicole, Rauw Alejandro and Sech.
Additional participants and schedule will be announced in the coming weeks. This year's Latin Music Week was originally scheduled to take place April 20-23 in Las Vegas, NV and was postponed due to COVID-19.
To reserve a spot and receive timely updates, RSVP here.


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7 Prong Trailer Wiring Diagram – People today understand that trailer is a vehicle comprised of rather complicated mechanics. This automobile is designed not just to travel one place to another but also to carry heavy loads. This article will be talking 7 prong trailer wiring diagram. What are the advantages of understanding such knowledge? You will be surprised to know it.
To begin with, knowing the diagram of cables for trailer will be useful during troubleshooting. When issues occur with the trailer, motorist might want to understand where the problem spot can be located. It helps immediately in fixing errors. Second, knowing the diagram of wires for trailer is good for those who wish to test gathering for themselves.
Learning Trailer Wiring Diagram Better
Normally, there are three kinds of diagrams which people may take a look at when aiming to assemble wires such as trailers. Each cable has different function and design so it's essential for motorist to match the needs before deciding on one.
- 7-Pin Connector
This 7 Prong Trailer Wiring Diagram version is far more suitable for sophisticated trailers and RVs. It can transfer electricity better compared to the connector is suggested for higher-level electric in the auto. Here is the diagram for 7-pin connector.
- White Pin for the ground.
- Brown Pin for side markers, tail lamps, and running lights.
- Yellow Pin for abandoned brake light and left turn mark.
- Green Pin Yellow Pin for right brake light and right turn mark.
- Blue Pin for electric brakes.
- Red 12 volt auxiliary power.
- Purple for backup lighting.
- 5-Pin Connector
This 5-pin trailer wiring diagram is wonderful for trailer that has large capacity. But, it does not have as sophisticated and electric intensive characteristics that RV and other costly trailers may have. Below is the setup to get 5-pin connector for superior understanding.
- White wires for floor power.
- Brown cables for running lights, tail lamps, and side markers.
- Yellow wires for left brake signal and left turn too.
- Green wires for right brake sign and right twist also.
- Blue cables for electrical brakes so the car can operate much better.
- 4-Pin Connector
There's a really fundamental 7 Prong Trailer Wiring Diagram. It's the 4-pin connector. This sort of connector is excellent for consumer trailers. It should not be carrying heavy loads throughout the trip. Along with being light, it's suggested that the connector doesn't have any power-draining accessory. The simple diagram for the connector is very similar to above types.
- White cables for any electricity that occurs on the light.
- Brown cables for any running lights, rear lights, and peripheral markers.
- Yellow wires for virtually any left brake sign and left sign turn.
- Green wires for any perfect brake signal and right signal turn.
Driver should note several things related to the diagram, however. These items will prevent motorist from encountering any electrical problem during use. It's encouraged that the white wire should connect the floor to some white wire on top. Although this sounds dull, it is going to save user from hassles in the future.
There's another thing linked to diagram but is especially about routing. A way to wrap it around the trailer can be very interesting. It is because the wire will be able to distribute electricity to other trailer's components in equivalent manner. Wires should be protected by substance that is powerful and durable but does not hinder its working.
Hopefully the post associated with 7 Prong Trailer Wiring Diagram is helping motorist to designing their own trailer wires . If not it's still a terrific knowledge to get for when problems happen to your beloved car.


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Gunmen suspected to be bandits have killed the son of Senator Bala Na'Allah, Abdulkarim.
Okay.ng understands that Abdulkarim Bala Na'Allah was killed at his Malali (GRA) residence in Kaduna North Local Government Area on Sunday.
An aide to Senator Na'Allah, Garba Mohammed, confirmed the killing of Abdulkarim in a statement via social media.
"Suspected Kaduna Bandits Kill Captain Abdulkarim Bala Na Allah, the first Son of Senator Bala Na'Allah, in his Malali GRA Residence Kaduna today," he wrote.
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More details later…


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Laser scanners that enable 3D inspection of car components could shave ten weeks off the time taken to roll out new automotive production lines.
Automotive manufacturers Volvo and laser-inspection developers Metris have assessed the impact of using optical 3D inspection methods to measure the dimensional accuracy of automotive components, and of subsequent virtual assembly of the scanned parts.
They found that using laser scanning instead of tactile probes to verify the components' 3D geometry during the vital pre-production development phase produced results more rapidly and in a form which was easier to interpret.
"The components that make up a vehicle must fit perfectly," said Alfons Van Den Bergh of Volvo. "Dimensionally-stable components ultimately determine the production quality level of a car."
After evaluating the scanners during start-up and production of the Volvo C30, performing traditional inspection methods in parallel to set benchmarks, the company believes the rollout of new car assembly processes could be shortened by up to ten weeks as a result.
The company employed a Metris XC50-LS laser scanner mounted on a coordinate-measurement machine for automated feature inspection. A K-Scan handheld laser scanner was used for mobile inspection tasks, including final quality control of the finished vehicles and checking that gaps between vehicle sections were within defined tolerances.
Results from the laser scanners were presented as 3D point cloud, a digital representation of the surface generated from the thousands of measurement points scanned per second. The point cloud can then be compared to the original CAD data, giving an error color chart that clearly clearly shows out-of-tolerance deviations in a readily understood manner.
The data allowed Volvo to assemble virtual vehicles by connecting geometry data with representations of other components, such as CAD models or other scanned parts, resulting in substantial time savings.
Van Den Bergh is convinced that deploying the new scanning methods will also facilitate easier inspection of incoming components from other suppliers and allow clearer communication between them. "Optical laser technologies will undoubtedly gain importance in combination with tactile inspection methods," he said.
Do you have a review, update or anything you would like to add to this news story?
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This product profile describes the features and characteristics of the zoom lens.
The Thermo Scientific™ ARL™ EQUINOX 3000 X-ray Diffractometer for research enables accurate measurements.
KLA's Filmetrics F40 allows you to transform your benchtop microscope into an instrument to measure thickness and refractive index.
Davis Bowling
In this interview, AZoOptics talks to Davis Bowling, who provides guidance into extended reality (XR) optical testing and demonstrates how to optimize the testing process.
Jan Novotný
AZoOptics speaks to Jan Novotný, one of the founding members of Lightigo, about the significance of laser-induced breakdown spectroscopy (LIBS) in the elemental analysis field. Discussing Lightigo's rapid technology, Novotný discusses the latest trends in LIBS technology and its many benefits in several applications.
Dr. Stefan Weber
AZoOptics speaks to Phaseform, whose approach to adaptive optics is helping to refine optic technologies across applications like life sciences microscopy and optical inspection.


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Pure Cotton unstitched suit with chiffon dupatta – Ganga cotton suits online
Summers are here with pastel colors choice in women's fashion. When we think to buy ethnic wear-Ganga cotton suits online, we think of cool colors and light prints. Spring flashes various eye-soothing colors. Pastels' colors and light embroidery give an elegant personality in every look.
Top – premium cotton satin solid
Bottom – premium cotton satin solid
Dupatta – pure chiffon printed
Women always like to flaunt their look with the latest fashion. These new arrivals from Ganga suits have the same niche to design your look. All the colors are so vibrant that match the summer sun. It has light embroidery with Swarovski work. The bottom is soft fabric dyed cotton. Dupatta adds the beauty with colorful laces all over. To conclude, This simple and sober salwar suit adds an aura to your professional or personal fame. The Ganga suits are much in high demand.
Also, the next step is to get rid of stitching services and give us a chance to serve a level ahead. We have an expert team of designer stitching. You will experience the best stitching services near you. Just buy our standard stitching. And, get the poster picture stitched product at your doorsteps..
So do not think, just start buying…!!


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Hello All,
Am I the only one that finds the navigation in the new community is difficult and not intuitive? Or am i missing something?
1) There is no way to see all latest posts in ALL forums. The forums are under each new topic, so there is no way to see all the latest posts in all topics. I definitely think this is a miss. It is useful to see all latest posts at once, it makes it easier to replay and participate in the discussion.
2) I cannot find the product enhancement forum. It was very convenient to have all product enhancement requests in one place.
3) No link to the blogs. During the general session in Anaplan Hub 18, Simon Tucker declared that the blogs were an important part of the community. However, I could not find a way to access them from the community page. I had to google "Anaplan blog" to find the link.
Besides these navigation "issues", I find the new community much better. I like the training section.
The search function in the new community is pretty cool.
There are some common selection (checkboxes), that for me, help me filter out noise quite quickly.
Click on the magnifying glass on the search bar, and it takes you to the search page. From there, you can narrow your search quickly with the checkboxes on the left... and then key in criteria on top of that.


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We've been making such exciting progress through our journey in Financial Land, and it's not time to stop now! No, today, we're going to tackle one of the most difficult aspects of personal finance, and you know what that is. Not picking out a killer new wallet. Saving.
And as usual, DailyWorth (which I still maintain you need to check out) has some solid advice for saving, and it comes in three steps.
#1: Make 90% of your savings passive. Everything from your 401K to your emergency fund should be an automatic process. Praise the Technology Gods! Every financial institution in the world wants to make this easy for you. Your employer, if they pay into a 401K for you, will directly deposit this stuff at the same time as your paycheck. Your bank account can probably automatically deposit into a savings account if you set it up monthly. Set as much of this up as possible. As a good friend of mine (who is one of the few natural savers I know) says, "I just assume a portion of [my paycheck] isn't even there." Saving is, frankly, a bit unnatural to most of us: money is one of the few forms of energy it's good to pile up toward a goal. By making it passive, you don't have to rely on your active impetus to be faithful to those goals.
#2: Save $500 first. This is known as your emergency fund. And once you hit $500, keep going. Don't touch this account for anything but a true emergency. What is a true emergency? Job loss, an unforeseen medical event, or a death (God forbid). That's it. Keep building on this fund until you have enough money in there to float you for a period of unemployment – at least one month's full living and bill payments, but preferably three (which is considered a pretty standard amount of time to spend looking for a job these days).
#3: Save your savings. You know that friend you have who's like, "I went shopping and got this deal and saved $20 on the cost of my new whatever"? Let me tell you from experience: she didn't save anything unless she put that $20 aside, in a savings account. Plan to pay full price for things, and set whatever savings you encounter aside.
So, that's a great starting point, and some smart rules to live by, but what exactly are you saving for? Here are a few things you'll want to put savings toward:
Emergency Fund: Everyone needs this. Everyone either loses a job or has a medical emergency or has to pitch in for someone else's, and you need money to take care of these things. You'll be amazed by the peace of mind you feel, even if your job is stable and you're in incredible health, just socking a bit away toward this fund every paycheck.
Semi-Emergency Fund: You can probably anticipate a few of the emergencies that will come up in your life. Know you're planning to have a kid? Start putting money in here; babies are expensive. Know that you want to continue using a computer for more than four years? Put replacement or repair funds in this account. Own a car? HELLO. They break. Save some money for repairs. These are predictable emergencies; you don't know when they'll happen, but you can safely estimate that they will happen. Give yourself a break and save in advance for them.
Retirement: Everyone wants this, and will probably need it. And women, you're special: you live longer than men, so chances are you'll be retired longer than the men in your life. If your job doesn't contribute to a 401K for you, ask them why not. And then set one up for yourself. They're fairly easy to set up, and you don't have to put a ton of money into it every paycheck; just $20 over the long haul, with interest, will give you a nice chunk of change when you're too bent over to run photocopies for 30-year-old sales assholes anymore. If your work does contribute, that doesn't excuse you from contributing. More is good. Think of it as taking care of your grandma.
Funsies: This is my favorite savings account. Funsies are everything from the annual Christmas present budget, to that vacation you want to take, to the wardrobe changes you envision for yourself in the next year of your life, to gadgets, books, special dinners, treats, or whatever. You could also call this your Rainy Day Fund, because this is the money you have on hand to treat yourself. Finally, this is also the fund you use to save up toward specific, personal goals.
And what about those of us (many of us) who don't have any elbow room in our paychecks? Why, darlin', that's when you get creative. There are savings everywhere. You can save on groceries, household items, and other regular purchases not only by coupon clipping and watching for sales, but also by targeting items you know you use regularly and using a program (like Amazon's Subscribe and Save) to get regular savings on those items (I use it for cleaning supplies and toiletries; I know another writer here uses it for regular bulk cooking ingredients, like high-quality flour). Around your home, some small fixes can make your home more energy efficient (plug leaky windows and doors, hang curtains over single-pane windows, call the landlord and demand he fix the effing leaky faucets now, etc.). If you have regular prescriptions, ask your doctor if there are generic forms of the medications you take, to decrease your monthly output there. Even debt payments can sometimes be negotiated down to give you a little wiggle room.
But once you find these savings, don't go splurge off the savings high. That elbow room sometimes feels so good, you don't know what to do with yourself. So let me tell you what to do: put the money in the damn savings account! I promise it feels better than (in my case) a new pair of shoes and a funky wall hanging. I figure fun spending is just like getting a tattoo: if you still want it in a few months, when you've had time to save the money for it without burdening yourself or taking a significant chunk out of your lifestyle, then go for that purchase. But in the mean time – save, save, save!
What are your savings tricks and tips? What are you saving for right now?


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|Saab May Cut Swiss Gripen Price to Counter Dassault Gambit
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Syrian Army Repels Terrorists' Heavy Offensive in Northern Homs
The army men clashed with the terrorists that attacked pro-government forces' positions in the village of Jabourin from the village of al-Mashrou'a in Northern Homs and managed to fend off their attack after killing a number of them.
In the meantime, heavy fighting is underway between the army soldiers and ISIL in Humeimeh and al-Mo'ayzileh in Southeastern Homs.
Relevant reports said on Friday that the army men exchanged heavy fire with ISIL in Humeimeh region in Southeastern Homs and repelled the terrorists' attacks.
ISIL left behind a large number of forces dead and pulled the remaining pockets of its fighters back from the battlefield.
In the meantime, the army's artillery and missile units shelled terrorists' positions in the villages of al-Ameriyeh, Ein Hossein al-Janoubi and al-Sa'an al-Aswad region after the terrorists violated the ceasefire and targeted the army positions near the village of al-Ameriyeh in Northeastern Homs.
A number of positions and military vehicles of the terrorists were destroyed in the attack.


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About Alamnag
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