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text: {- | Channel messages -} module Sound.MIDI.Message.Channel ( T(..), Body(..), get, getWithStatus, put, putWithStatus, Channel, fromChannel, toChannel, Voice.Pitch, Voice.fromPitch, Voice.toPitch, Voice.Velocity, Voice.fromVelocity, Voice.toVelocity, Voice.Program, Voice.fromProgram, Voice.toProgram, Voice.Controller, Voice.fromController, Voice.toController, decodeStatus, ) where import qualified Sound.MIDI.Message.Channel.Voice as Voice import qualified Sound.MIDI.Message.Channel.Mode as Mode import qualified Sound.MIDI.Parser.Status as StatusParser import Sound.MIDI.Parser.Primitive import qualified Sound.MIDI.Parser.Class as Parser import Sound.MIDI.Parser.Status (Channel, fromChannel, toChannel, ) import Control.Monad (liftM, liftM2, when, ) import qualified Sound.MIDI.Writer.Status as StatusWriter import qualified Sound.MIDI.Writer.Basic as Writer import qualified Sound.MIDI.Bit as Bit import Sound.MIDI.Monoid ((+#+)) import Sound.MIDI.Utility ({-checkRange,-} mapSnd, ) -- import Data.Ix (Ix) import Test.QuickCheck (Arbitrary(arbitrary), ) import qualified Test.QuickCheck as QC data T = Cons { messageChannel :: Channel, messageBody :: Body } deriving (Show, Eq, Ord) data Body = Voice Voice.T | Mode Mode.T deriving (Show, Eq, Ord) instance Arbitrary T where arbitrary = liftM2 Cons (liftM toChannel $ QC.frequency $ -- we have to prefer one favorite channel in order to test correct implementation of the running status (20, return 3) : ( 1, QC.choose (0,15)) : []) (QC.frequency $ (20, liftM Voice arbitrary) : ( 1, liftM Mode arbitrary) : []) -- * serialization {- | Parse an event. Note that in the case of a regular MIDI Event, the tag is the status, and we read the first byte of data before we call 'get'. In the case of a MIDIEvent with running status, we find out the status from the parser (it's been nice enough to keep track of it for us), and the tag that we've already gotten is the first byte of data. -} getWithStatus :: Parser.C parser => Int -> Parser.Fallible (StatusParser.T parser) T getWithStatus tag = do (status@(code, channel), firstData) <- if tag < 0x80 then maybe (Parser.giveUp "messages wants to repeat status byte, but there was no status yet") (\cc -> return (cc,tag)) =<< StatusParser.get else liftM ((,) $ decodeStatus tag) $ StatusParser.lift get1 StatusParser.set (Just status) StatusParser.lift $ get code channel firstData -- | for internal use decodeStatus :: Int -> (Int, Channel) decodeStatus = mapSnd toChannel . Bit.splitAt 4 {- | Parse a MIDI Channel message. Note that since getting the first byte is a little complex (there are issues with running status), the code, channel and first data byte must be determined by the caller. -} get :: Parser.C parser => Int -> Channel -> Int -> Parser.Fallible parser T get code channel firstData = liftM (Cons channel) $ if code == 11 && firstData >= 0x78 then when (firstData >= 0x80) (Parser.giveUp ("mode value out of range: " ++ show firstData)) >> liftM Mode (Mode.get firstData) else liftM Voice (Voice.get code firstData) put :: Writer.C writer => T -> writer put = StatusWriter.toWriterWithoutStatus . putWithStatus putWithStatus :: Writer.C writer => T -> StatusWriter.T writer putWithStatus (Cons c e) = case e of Voice v -> Voice.putWithStatus (putChannel c) v Mode m -> putChannel c 11 +#+ StatusWriter.lift (Mode.put m) -- | output a channel + message code putChannel :: Writer.C writer => Channel -> Int -> StatusWriter.T writer putChannel chan code = StatusWriter.change (Just (code, chan)) $ Writer.putIntAsByte (16*code + fromChannel chan)

subset: commoncrawl


text:
Click HERE for the Remembrance Run photo gallery
AMERICUS - The Georgia Southwestern cross country team finished in 10th place out of 12 teams at the Fourth Annual GSW Remembrance Run held Saturday morning at the Sumter County Parks and Recreation Sports Complex. Jessi Young paced the Lady Hurricanes by finishing the 6K course in 25:00.76 for 28th place out of an event-record 100 competitors.
Lisa Espino opened her senior campaign with a time of 26:40.06, good for 60th place while Dana Woods was the third GSW runner across the line in 28:01.26. Linda Esparza finished 76th overall by finishing in 28:22.40 and Raven Martin took 79th in 29:03.37. Mikaela Shimko posted a time of 33:07.94.
With 43 points, Columbus State finished ahead of Clayton State (80) for the team title.
Cheyenne Thompson from the University of Montevallo crossed the finish line first overall with a time of 23:05.99.
A total of nine Peach Belt Conference schools participated in the women's race today to get an early look at the course. The PBC Championships will field 12 teams when the event comes to the Sumter Country Parks and Recreation Sports Complex on Oct. 26.
The Lady Hurricanes return to action Thursday when they head to Columbus State for a dual meet with the Cougars.
GSW Remembrance Run
Americus, Ga.
Sept. 7, 2013
GSW Individual Results
28. Jessi Young, 25:00.76
60. Lisa Espino, 26:40.06
71. Dana Woods, 28:01.26
76. Linda Esparza, 28:22.40
79. Raven Martin, 29:03.37
96. Mikaela Shimko, 33:07.94
Team Results
1. Columbus State (43 pts)
2. Clayton State (80)
3. Georgia Regents (100)
4. North Georgia (106)
5. Georgia College (110)
6. Young Harris College (129)
7. Montevallo (146)
8. Darton State College (249)
9. USC Aiken (264)
11. Chipola College (298)
12. Clark Atlanta (349)


text:
Date:Friday 13th July 2018
Doors Open:19:30
Show Begins:20:30
You're too late to book for this performance as it has ended.
You may only book a maximum of 6 tickets per performance. If you would like to book more then please call our box office on 0131 558 7272
Only members that have paid their annual subscription may access member priced tickets. If you have paid your annual subscription and you cannot select members tickets please call our box office on 0131 558 7272
Let your hair down at the end of the week with fabulous fun this Friday. We've put together a prime stand-up show with five of the best acts on the Scottish and International circuits.
With Hailey Boyle, Stu & Garry, Bryan Ghosh, Liam Withnail and host Billy Kirkwood.
Salt 'n' Sauce Promotions Ltd. Trading as 'The Stand Comedy Club'.
5 York Place, EH1 3EB
0131 558 7272
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text:
|Summary of 41 reviews :
|Room :
|Facilities :
|Service :
|Location :
|Hotel room status:
Adelphi Suites Bangkok places you right in the vibrant heart of Sukhumvit Road, Bangkok's busiest and most iconic thoroughfare.
Conveniently located on Sukhumvit Soi 8, Adelphi Suites Sukhumvit is just a short stroll away
from Nana BTS SkyTrain Station as well as some of Bangkok's most popular dining, shopping and entertainment venues.
|If you are looking for a serviced apartment in Bangkok, Adelphi Suites Sukhumvit is ideal for visitors who are looking to stay in Bangkok for anywhere from a couple of days to a couple of months. As one of the best serviced apartments in Sukhumvit, we combine a warm 'residence-like' atmosphere with traditional Thai hospitality. Adelphi's 93 guest rooms are tastefully decorated and afford all the comforts expected by the modern-day traveler, including en-suite bathroom, high-speed internet (15/5 Mbps), 24-hour reception and concierge, swimming pool, fitness center and on-site dining at the Monsoon Café and Restaurant, making it the perfect choice for your Bangkok residence.
As one of the best service apartments in Sukhumvit and a leading hotel in Bangkok,
Adelphi Suites Sukhumvit offers a range of stylishly designed and fully-furnished apartments –
providing a refuge of serenity and comfort in the heart of vibrant Bangkok. Upon arrival at this popular Nana hotel,
you'll also have the pleasure of experiencing Thailand's ubiquitous and warm hospitality. Designed in a contemporary Asian style,
Adelphi's 93 studio apartments and suites are decorated in rich and earthy tones.
Each of our well-appointed rooms also contain all the modern comforts
expect by the discerning traveler,
including en-suite bathroom, high-speed internet, DVD & CD player, 32" LCD TV,
cable television and safety deposit boxes to create one of the most popular serviced apartments in Sukhumvit.
Studio Room
36 sq.m.The Studio Room at Adelphi Suites Sukhumvit provides everything you need to ensure a comfortable & enjoyable stay in your serviced apartment in Bangkok. From the first moment you step through the door, the warm tones will ensure you feel right at home, right away!
All rooms offer a spacious 36 square meters and are tastefully decorated with modern furnishings and appliances. Each studio contains large and spacious cabinets, an en-suite bathroom with rain shower, a 32" flat screen LCD TV, satellite channels, DVD, and high-speed internet. Guests also have the option of either a twin bed or king-bed configuration.
One Bedroom Suite
48 sq.m.With 48 square meters of space, Adelphi's One Bedroom Suite provides the discerning traveler with a separate living and dining area – allowing you plenty of room to stretch out and relax in a homely environment in your serviced apartment in Sukhumvit. Each One Bedroom Suite is also characterized by beautiful floor-to-ceiling windows that afford stunning views of the Sukhumvit skyline. All rooms include two 32" LCD flat screen TVs (with satellite channels), a DVD and high-speed internet access as standard. Also included in each room is a fully-equipped kitchenette and washer & dryer – guaranteed to make your stay just that little bit more homely.
One Bedroom Premier
54 sq.m.Adelphi's Suites Sukhumvit's One Bedroom Premier suites provide guests with a generous 54 square meters of tastefully designed living space. A separate sitting room ensures you'll feel right at home as you relax, unwind and luxuriate in the stylishly appointed surroundings of your very own serviced apartment in Sukhumvit. With each suite offering stunning floor to ceiling windows, you'll also be able to enjoy the stunning views of the Sukhumvit skyline from the comfort of your Nana hotel room. These contemporary suites come with a wealth of amenities that include en-suite bathroom, a fully equipped kitchenette, King Size bed, high-speed internet, DVD player, and 32" LCD flat screen TV.
|Monsoon Café and Restaurant
Located on the ground floor of this popular Nana hotel, Monsoon Café and Restaurant covers all your dining needs – from early-morning breakfast and coffee, through to a late night snack and drinks.
Stylishly decorated, and with a relaxed and easy-going ambience, Monsoon offers a wide range of menu items and drink specials throughout the day. Whether you choose to dine indoors or outside on the terrace, you'll be sure to find something that takes your fancy. The menu includes a wide range of international dishes in addition to many local Thai favorites. For those who are longing for a taste of home while staying in their serviced apartment in Sukhumvit, there is also an array of café style fare and Western staples, such as burgers and pizzas.
A wide selection of alcoholic and non-alcoholic drinks and light snacks are also available at the Cocktail Bar – perfect after a long day outside in the hustle, bustle and tropical heat of Bangkok.
|Adelphi Suites Sukhumvit's serviced apartments provide all guests with a delightful range of facilities and services.
Our 24-hour reception and concierge are on hand to attend to all your requests and to ensure that you have a memorable stay in Thailand's vibrant capital city.
For added convenience, there is Wi-Fi internet connectivity in all public areas and internet workstations in the
lobby to ensure that you can easily stay connected in your urban escape.
|Fitness center
|Rooftop Swimming Pool
|Sun Bed
|Business Center
Ideally located in the vibrant Nana area of Sukhumvit Road, Adelphi Suites Sukhumvit is one of the best hotels in Bangkok and
places you right at the nexus of Bangkok's shopping, business, finance and entertainment districts. Only a short stroll down Sukhumvit Soi 8,
Adelphi Suites Bangkok is approximately 100 meters from Nana BTS SkyTrain – your gateway to exploring all that Bangkok has to offer.
Just a couple of stops away, you'll find several large and internationally renowned shopping centers, Bangkok's "Embassy Row",
a multitude of corporate office buildings and the Queen Sirikit National Convention Centre.
For those who don't want to venture too far afield from the comfort of their serviced apartment in Sukhumvit, there are also numerous eateries, entertainment venues, bars and clubs located within easy walking distance of this Nana hotel.
Both Suvarnabhumi and Don Muang International Airports are easily reached from Adelphi Sukhumvit Suites via either the Airport Rail Link or by taxi on the expressway network.


text:
Time Running Out to Join High Risk Insurance Pool [AUDIO]
Montana must stop taking new enrollees into the state's federally funded high-risk insurance pool by March 2, according to federal officials who wrote Insurance Commissioner Monica J. Lindeen last week.
Lindeen's Communications Director Lucas Hamilton says the federal high-risk pool stopped taking new enrollees on Friday, but that states had until March 2 to stop taking any new citizens into the pool. There are currently 344 people in the pool, which is administered by Blue Cross Blue Shield of Montana.
A high-risk pool is special insurance for people with serious pre-existing medical conditions who cannot buy insurance in the market because it is not available.
Montanans needing high risk insurance may still obtain it after March 2 through the other two programs managed by the state association. For more information, call the Commissioner of Securities and Insurance at 444-2040 or the Montana Comprehensive Health Association at 1-800-447-7828, ex. 2128
Lucas Hamilton


text:
The 'Other Places' feature makes it easy for Large Passions members to promote the other social networks and dating sites where they have a membership.
NOTE: This option is on hold until the 'Other Places' link section is added into member profile pages.
Why spend time creating memberships online if no one knows where you are?
The sites listed below are available to be added as links within Large Passions member profiles. If you have a membership in any of these sites & you would like to let people know where they can find you online (when you are not here), join Large Passions and use the 'Other Places' option to add the sites you participate in, into your account.
Promote your site for free! Do you run an online dating site, social networking site, large community site, forum, or association site focused on the BBW Community?
If you manage a 'social' site, and you would like it added into our 'Other Places' section, just let us know about it.
Provided we think your site would be of interest to our members, we'll add it.
Here's how we help one another:
1) Let your members know about us.
2) Every member of yours (that joins our network), can add a link to you into their profile page.
3) Contact us and let us know.
Can you think of a better way to advertise your site than to have your members choose to promote their personal connection with it?
(The sites listed below open in another window if you are curious about any that you do not currently participate in.)


text:
Joe Black - Take You Home Behind The Scenes (lisalisa) Remake [Unsigned Hype]
"take a look at the hottest kid in nyc new single "take you home" video shoot, as is takes place in the pr parade. Follow him @therealjoeblack"
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text:
|LRRS, Legends and Bando Champs to be Crowned
|Buffington sweeps legends, Gaudreau wins bandos
|Green Flag Flies on 2017 Season
|Legendary Weekend
|Legends Road Course World Finals Oct. 16-18
|NHMS to Host Road Course World Finals
Gappens: NHMS Race Season is Underway
The snow is gone (finally) and we are preparing for what will be a FANtastic 2013 racing season at New Hampshire Motor Speedway. The last few years have seen major renovations and improvements to our Loudon facilities, to ensure you and your family have the time of your lives. We will continue that pursuit as we embark on some exciting new projects and events designed to keep you on the edge of your seat.
One event in particular will get you up out of your seat, but I can't talk about that right now in detail. All I can say is I guarantee thrills and excitement and something every race fan in your family will love; heck, it will get the non-racing fans excited, too. More on that news is coming soon.
We know you are excited to see the biggest names in racing come back to New Hampshire to continue their exciting rivalries. Who knows what will greet us inside the gates? Perhaps Joey Logano and Tony Stewart will mix it up again. Maybe we'll witness a triumphant comeback by Denny Hamlin. Or Junior fans may be cheering the sport's most popular driver into Victory Lane for the first time at the Magic Mile. Their first appearance is the New Hampshire 300 on July 14.
Until then, we have lots of action packed on the track. The Legends cars have beefed up their schedule this year with full seasons on both the road course and mini-oval. We'll see BMW enthusiasts and many, many car clubs arrive for some road course action. The Loudon Classic returns for its 90th year from June 14-16. Events large and small start this month, including the Loudon Road Race Series, and the track is ready for all the action. I hope you'll check our schedule and spend some time hanging out with us this spring.
On a final note, the Boston Marathon tragedy weighs very heavy on all of our hearts. We will continue to keep our thoughts and prayers with all those who were injured and affected. As we do every year, our security directors (who are former high ranking State Police officers) will work with local, state and federal agencies along with NASCAR officials to review, analyze and update our security procedures to ensure the greatest level of safety possible for you. Your safety is our top priority at New Hampshire Motor Speedway, it always will be.
Yours in racing,
Jerry Gappens


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Sen. Diane Feinstein and a horde of members of Congress of both parties want to decide who is and who isn't a reporter. Sen. Feinstein says a "real" reporter is a "salaried agent of a media company."
Sen. Diane Feinstein and a horde of members of Congress of both parties want to decide who is and who isn't a reporter. Sen. Feinstein says a "real" reporter is a "salaried agent of a media company."
She mentions the usual suspects—New York Times, ABC News. She dismisses part-time staff. She dismisses freelancers. She dismisses those who write, often without pay, for the hundreds of alternative publications, and often break news and investigative stories well ahead of the mainstream media. She dismisses anyone who, she says, "have no professional qualifications."
The reason she wants to define what a reporter is or isn't is because there's a proposed federal Media Shield Law that would protect reporters from revealing their sources. Forty states and the District of Columbia currently have shield laws. Sen. Feinstein wants to amend the federal bill to take away existing First Amendment protections from anyone not involved in—apparently—salaried establishment media.
There are people who have minimal qualifications to be a reporter. Many write nothing but screeds. Many have problems with basic language skills. Many have little familiarity with the AP Style Book. Many have an inability to ask probing questions of government officials; many merely transcribe what they're told, whether from the president, a council member, or a local reader who is the focus of a feature. Some of them are paid salaries and are agents of media companies, which Sen. Feinstein believes are acceptable requirements.
There are also those who frequently allow "deep background" and "off-the-record" comments. Many news media won't allow sources to go "off-the-record." If the information isn't available to the general public, it shouldn't be available only to reporters. Access to news sources is something reporters enjoy that the average reader doesn't; but there is a responsibility to the reader and viewer and listener not to hide information.
There are those who overuse the "veiled news source," which is a part of the Shield Law. A veiled news source could be someone whom the reporter identifies as, "Sources close to the Governor state . . ." Often, the reporter doesn't question a source's motives for why she or he wants to give anonymous information, or if it is merely a "trial balloon" to use the media to put out information; if the people agree, sources become identified; if the public disagrees with a proposal, no one traces the "leak" to politicians or their staffs.
On more than a few occasions, reporters—whether "salaried agents" of a media company, part-timers for that company or for any of thousands of alternative publications or electronic media, or freelancers—have filled in holes in their stories with false identities—"A 55-year-old housewife in Podunka, who asked not to be identified, says . . . " Good reporters seldom use a veiled news source and then have to protect them should there be a court order to divulge the source of information.
On rare occasions, however, a reporter, in consultation with an editor, will allow a news source to be anonymous. Granting veiled news source status should not be given unless a source's information and identity puts her or him into significant personal jeopardy—and the information can be verified.
But, even if there are reporters who are lazy, who plagiarize, who abuse the veiled news source privilege, there are no enforceable ethics rules in journalism. Reporters aren't licensed—such as physicians, social workers, teachers, contractors, and cosmetologists. Only an editor can discipline or terminate an employee.
Nevertheless, whenever the government says it wants to define what a reporter is or is not—and the public, outraged over something a reporter or news operation did or did not do demands licensing and enforceable codes of ethics—a huge red flag should be in everyone's face. Not one part of the First Amendment determines who or what a reporter is, or what is or is not news. The Founding Fathers didn't forget to include that; they deliberately didn't want to include that. They believed government shouldn't be making those decisions, and the news media, even the media that base their news upon lies and scandal, must be independent.
And, yet, government and the news media often wink at the intent of the Founding Fathers and cozy up together.
The only thing more outrageous than reporters and sources playing golf or tennis together is reporters schmoozing at political receptions, the women dressed like they were movie celebrities on the Red Carpet, the men in tuxedos. And the reason why they go to these receptions? They claim it's because they "get their information" there.
But, "socializing" isn't the only thing that violates the intent of the Founding Fathers. It probably isn't a good practice for Congress to appoint news correspondents to determine who is or is not qualified to receive press credentials—subject to the oversight of House and Senate leaders. Until recently, the establishment press of "salaried agents" refused even to acknowledge that members of the alternative press, even those who have won awards for investigative reporting, should be allowed the privileges that mainstream reporters are allowed.
It violates the First Amendment when police agencies and governments at all levels decide who can or can't cover its activities. Usually, the ones excluded are reporters who are not "agents" of an establishment media company.
Until recently, it violated the intent of the First Amendment when the Federal Communications Commission determined what percentage of each day's programming should be devoted to which category because of a law Congress created that decided electronic media, unlike print media, are required to meet the "public interest, convenience, and necessity."
Under Sen. Feinstein's belief of who and what a reporter is, Ben Franklin, who wrote hundreds of articles under the byline of Silence Do-Good, and was never paid for it, would not be considered to be a reporter.
[In a 40-year professional career, Dr. Brasch has been a reporter and editor for newspapers and magazines, a multimedia writer-producer, and university professor. He writes a syndicated weekly social issues column and is the author of 18 books, most of them fusing history with contemporary social issues. His latest book is Fracking Pennsylvania.]


text:
The commercialization of the holiday season can make it easy to forget that the holidays are supposed to be about giving instead of receiving. Many children are so focused on the gifts they receive that parents often question whether their children are too self-absorbed to realize that they should be grateful for what they have in their lives. One way to help children be more grateful and understand the true meaning of the holiday season is to teach them about charity.
Importance of Raising Charitable Kids
We discussed the importance of raising a grateful child in a previous blog post, but it is also important to teach children about charity because the two topics are deeply intertwined. People are more likely to be charitable if they are grateful, but being charitable can also cause people to develop an increased gratitude for what they have in life.
In a study recently published in PLoS ONE, researchers from the University of British Columbia found that giving to others makes children happier than when they receive something. The study also found that children who sacrificed something of their own gained more happiness than children who gave something that did not cost them anything. This suggests that children have a natural, genuine concern for others and can benefit from being charitable at a young age.
Learning to be charitable as a child will also help children experience the benefits of giving to others when they become adults. As reported by Maia Szalavitz in Time, volunteering regularly can decrease early mortality rates by 22%, reduce chances of depression, and increase a person's life satisfaction and happiness. These scientific findings prove that encouraging children to volunteer and help others at an early age will help them live longer and happier lives.
Five Ways to Encourage Charity
Teaching kids to give back and help others isn't always easy, especially if your family is pressed for time, but the benefits your family gains from helping others will be well worth any scheduling conflicts you have to conquer. The following five tips are great ways for you to encourage charity and help your kids and family give back to the community:
1. Be a good role model.
If you want your children to be charitable, it's important for you to set a positive example for them to follow. This doesn't mean you have to head a fundraising committee or spend a lot of hours volunteering; small and simple charitable acts can have just as much of an impact on children as the larger ones. Giving any spare change you have, donating gently used items, or buying extra food to take to your local food bank are all great ways to show your child that you think helping others is important.
2. Talk to your children about charity.
Have a greater impact with children by making an effort to talk to them about charity in conjunction with being a good role model. Women Give 2013, a study by the Women's Philanthropy Institute at Indiana University, found that "talking to children about charity has a greater impact on children's giving than role modeling alone." The study also found that talking to children about charity and helping others is "equally effective" regardless of the parent's income level or the child's gender, race, and age. Encourage discussions about charity at the dinner table or after children do something charitable. It's better to give them an explanation of why what they're doing matters instead of just telling them that they need to do it. Reading books, such as The Lion and the Mouse and the books in our Learn to Get Along Book Set, can also help you and your kids discuss the importance of helping others.
3. Make giving to others a family tradition.
Making charity a family tradition will help your children feel more comfortable volunteering and will also provide additional opportunities for you to be a good role model for your kids. One popular tradition for many families this time of the year is to volunteer at soup kitchens, homeless shelters, or food banks. These types of volunteer experiences are good for older children, but you may want to consider other ways to give back if you have young children. In a recent article, CNBC's Kelley Holland reports that families with young children should skip volunteering at soup kitchens because kids do not learn as much from the experience since they cannot help serve hot food or be around stoves and knives. Volunteering at toy drives or delivering fruit baskets and gifts to hospitals and the elderly may be more appropriate charitable family traditions when your children are younger.
4. Come up with creative ways to give back.
You don't have to volunteer in soup kitchens or serve the homeless a Thanksgiving meal in order to be charitable. Donating gifts for Toys for Tots or for the Salvation Army Angel Tree are great ways for your family to give back this time of the year. You can also make giving back a little more personal for your kids by having them create their own projects or make their own greeting cards to send to soldiers or the elderly. Many charities have a spike in volunteers during November and December, so try to think of places that may not be getting the volunteers they need this time of the year. If an organization has all the help they need right now, it's best for you to find a charity truly in need of the help your family can give.
5. Pick charity projects that your kids and family will enjoy.
Strive to pick charity projects that let your children see how their actions truly impact and help others because the concrete evidence they gain from those experiences will help reinforce the value of charity. Your family will enjoy and learn more from the projects they can connect with, so try to find projects that match your family's interests, hobbies, and charitable causes. Another idea is for your family to come up with your own unique project to help meet an unmet need in the community. If your family is really busy during the holiday season, then come up with charity projects you can do together as a family at other times of the year. Try donating food items during the summer months, playing a baseball game for charity, or running a 5K race as a family to benefit an important cause. Remember that it's always a good idea to encourage your children to be charitable and give back throughout the year.
Aknin, Lara B., J. Kiley Hamlin, and Elizabeth W. Dunn. "Giving Leads to Happiness in Young Children." PLoS ONE. PLoS ONE 7.6 (2012): 3. PDF file. 18 Nov. 2013.
Holland, Kelley. "Teaching kids charity? Skip the soup kitchen trip." CNBC. CNBC LLC, 18 Oct. 2013. Web. 15 Nov. 2013.
Szalavitz, Maia. "Helping Others Helps You to Live Longer." Time. Dow Jones & Company, Inc., 23 Aug. 2013. Web. 15 Nov. 2013.
"Women Give 2013: New Research on Charitable Giving by Girls and Boys." Indiana University-Purdue University Indianapolis. Indiana University's Lilly Family School of Philanthropy, 2013. PDF file. 15 Nov. 2013.


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Work continues on the abutments at both ends of the Milton-Madison Bridge. Gravel fill has been placed in the stone wall enclosure on the Madison side and concrete beams have been set in place between the abutment and the first pier on the Indiana side.
The abutment on the Milton side is taking shape as workmen erect the stone wall enclosure and continue filling the enclosure with gravel. Crews will continue forming and pouring the piers on the Milton side as well as work on the abutment.
LOUISVILLE, KY - The Milton-Madison Bridge will be reduced to one lane on Wednesday, Oct. 3rd from 9 a.m. until 3 p.m. Engineers from the Kentucky Transportation Cabinet will be monitoring items on the bridge that were highlighted in recent inspections.
The Cabinet recently implemented a monthly inspection frequency to review these locations. The goal is to keep the Milton-Madison Bridge operational during the super-structure replacement project.
The lane closure is subject to change due to inclement weather and other unforeseen delays.
Louisville, Ky.– The Milton-Madison Bridge Project is expected to mark another major milestone next week when a second massive section of the new bridge is lifted into place. The 727-foot preassembled section of steel truss will be hoisted onto temporary piers, another in a series of steps to replace the US 421 bridge, connecting Milton, Ky., and Madison, Ind.
The Kentucky Transportation Cabinet plans joint walk-through inspections with the Indiana Department of Transportation on three Ohio River bridges this week. These inspections allow engineers an annual review of the structures and opportunity to discuss future maintenance projects on shared river crossings.
These inspections will require traffic restrictions to accommodate inspections on the following schedule:
Copyright © 2018
The Trimble Banner is your source for local news, sports, events, and information in Trimble County, KY and the surrounding area.


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Mountainsmith Modular Hauler 4
Item #73728
Submitted by | View Details
About Mountainsmith Modular Hauler 4
2nds. Haul it, store it, organize it... if you've got a lot of gear, you need the Modular Hauler 4. Durable, Mountainsmith-quality ripstop nylon holds four color-coded cubes and stores easily in your automobile or garage. Great for road trips, too!
- Removable cubes have clear tops for labeling
- Zip closure for access and and handle for easy transport
- Color (01) does not have the clear zippered labeling pouch on top
- Made in China , Viet Nam
Specs about Mountainsmith Modular Hauler 4
- Style: Duffel
- Capacity: 7500 cu.in.
- Carry options: Hand
- Material: Polyester
- Dimensions (HxWxD): 15x34x15"
- Weight: 5 lb.
- Made in China , Viet Nam
Do you own this product? Write a review and help others with their buying decisions!
4.333333 5 Overall Rating: 4.3 Based on 360 reviews
Most Helpful 5-Star Review
Perfect for a family of 4
Reviewed by Michelle@CrunchyInTheSuburbs from D.C. Suburbs on Sunday, July 21, 2013
This hauler is perfect for our family! Everyone gets a cube, and what fits, we take, what doesn't fit, gets left behind. Helps keep us from overpacking for trips. Initially we were sent the four cube things but the gray hauler case was the one that went with the modular hauler 3, but Sierra Trading ... Read More
Love them but....Verified Buyer Reviewed by ymnovak from California on Monday, October 22, 2018They are great versitile bags, the only problem with them is that the are floppy, as there is nothing inside them to hold them up. So I purchased a small rubbermaid tray (15X6) to fit in the bottom of them to give it more of a form. They truly are a great product, just wish there was something already built in for creating a more usable bag, especially for camping etc.
Great storage, needs more structureVerified Buyer Reviewed by Palmtree2104 from Northern California on Thursday, August 9, 2018I like the size of these cubes and the holder, but I thought it would be hardsided to make putting/taking the cubes in/out easier.
Quality lessVerified Buyer Reviewed by CA outdoor person from California Sierra on Tuesday, August 7, 2018What shipped did NOT match the photo and what we thought we'd receive.
Nice bags, but NOT the same as we bought 5 years ago. They are okay, but a lot cheaper/faster sown design.
Great for multiple carsVerified Buyer Reviewed by mkmontana from Kalispell, MT on Friday, August 3, 2018I switch cars frequently with my husband and this product means I can easily transfer gear from one vehicle to the other without losing or forgetting things. Love the durability and style.
Tiny camperReviewed by DiverLori from Ohio on Monday, July 30, 2018I just recently purchased a tiny camp which obviously doesn't have a lot of cabinet storage space, but does have under bench open storage. These Modular Haulers work great. Load up clothes, linens, and kitchenware into the individual cubes and then into the carry bag to the camper, either leave on the bench or floor, or unload the cubes to the under bench storage. All gear has it's own cube for easy access.
Tiny camperReviewed by DiverLori from Ohio on Monday, July 30, 2018I just recently purchased a tiny camp which obviously doesn't have a lot of cabinet storage space, but does have under bench open storage. These Modular Haulers work great. Load up clothes, linens, and kitchenware into the individual cubes and then into the carry bag to the camper, either leave on the bench or floor, or unload the cubes to the under bench storage. All gear has it's own cube for easy access.
Perfect for lots of things!Reviewed by SarahBeara from Iowa on Wednesday, May 30, 2018I have the Modular Hauler 3 and 4, and then discovered there was a cooler cube too! They have been in use for several years, and show no signs of giving up yet. I have used them for camping supplies, luggage, doggie luggage, and food organizers on road trips, and I even took one cube on deployment to the Middle East. Since the cubes are tall and narrow, you have to pack a little differently, but I use some Eagle Creek packing cubes to wrangle the small stuff. When the cubes are in the hauler, it can be pretty heavy so I purchased a Mountainsmith shoulder strap. Let's just say it didn't last long, so now we use a carabiner to attach the handles together and then each person grabs a side handle. I would definitely buy again, but I doubt I will need too!
Great ski bagsVerified Buyer Reviewed by Slrbs from Colorado on Monday, March 26, 2018This is the second MS modular hauler for our family. The first one served us for 5 years (and now will be for off season storage). What I like about the new bags (same size) is the material for the entire bag is the same, so much more durable. The old bags have a plastic top that ripped at the seam- fixable with basic sewing, but the current bags seem much stronger. When bags are full, it is a tight fit in the actual hauler- I do miss the side pocket the old hauler has, but that is a minor complaint. We use these cubes for our family to hold ski clothes, helmets, gloves goggles- fits nicely in car, easy transport and holds quite a bit.
Great for an organized family outing!Verified Buyer Reviewed by XPLORMOR from Vermont on Tuesday, March 20, 2018Ordered the Mountainsmith Modular Hauler 4 to help organize family outings. With our upcoming third annual trip to North Carolina to help celebrate my brothers Copper Barrel Moonshine anniversary, the timing couldn't have been better! We are a family of four and the individual bags are just the right size to pack for a week worth of clothes if packed carefully. I own several Mountainsmith bags and have had good luck with them. The Hauler 4 seems made well enough, I hope to get years of use out of these bags!
Very useful for family road tripsReviewed by bluemorpho from West Virginia on Wednesday, December 6, 2017We bought this about 5 years ago for a road trip, and each person in our family of 4 took a different color bag for his or her clothing and personal items. My 15-year-old still uses his bag as his primary suitcase. We were mostly car camping and sometimes staying in hotels. The hauler fit in our cartop carrier (a long narrow one designed for skis). Having our color-coded bags made getting in and out on overnight stops simple. Our bags have plastic tops with clear pockets. These are handy for a packing list, label, etc, or for keeping anything flat that you need easy access to. A couple of things worth noting: first, the handles are attached to the tops of the bags, and this is a weakness. Near the end of the first long trip, my (probably overloaded) bag split along the seam of the lid just above the zipper. This would be very hard to repair as there's not much fabric to work with to reattach the zipper, so that bag is now used for storage. I later found a same-colored, same-sized Mountainsmith bag on sale at an outdoor shop -- and the handles were attached on the sides below the zipper, a much more structurally sound design. So be aware that these bags don't (or may not -- don't know how consistent the product is) have the optimal design for carrying weight, and be careful not to overload -- or if you do, don't lift by the handle alone. Also as others have mentioned, the outer bag does not have any supporting structure, though when loaded it does keep things together. I've used it to corral other sorts of items besides the bags it comes with, such as folding chairs, sleeping bags and pads, tents. It also will fit a couple of cardboard cartons (bankers box or small moving box or apple crate size) and fits nicely in the back of a station wagon, making a secure place to hold grocery bags, etc. Overall we're pleased with the purchase, just a bit disappointed about the broken handle.
Question & Answer
Questions about this product? Get answers from community and staff experts.
"The pictures show two different models, is it the one with silver lid and net pouch.. or one with same color fabric top as body that's now available? And are these seconds or overstock being sold. "
"The pictures don't match the one shown in the video. Which one are you selling?"
The one in the video is currently sold out. The item is the images is correct.
"Is this waterproof or water resistant? (or neither?)"
Not sure of if it is technically water proof...
I have used it is rain and over night boating..
And inside were never damp or wet...
These seem to have some water resistance, but they are not specifically listed as either waterproof or resistant.
"Can you buy the Hauler bag only-no cubes? I bought several cubes a while back so thought It might be better to hold them together."
We are not able to sell this without the cubes.
"Are you now selling the newest version or an older version?"
We did not receive this item as a closeout, but as 2nds.
"Does it comes with 4 basic cubes?"
Yes, it comes with 4 basic cubes in the large open hauler
Yes it does.
I haven't purchased the basic cubes separately to verify they are the same, but it definitely comes with 4 cubes. And they look like the basic cubes.
"Is this the same Mountainsmith Modular Hauler 4 as the darker-colored charcoal outer bag with darker cube bags shown on the Mountainsmith website (the one that won the Summer 2014) [...] Gear Award), or is this, perhaps, an earlier version? I have seen some reviews fault it because it collapses if not full, but the one on the Mountainsmith site claims it has foam padding so that it is free-standing. They both have the same name and dimensions, but colors and prices are different."
This is an older model.
"Will this fit in the trunk of a compact car?"
It most likely will fit, but it would be best to measure your trunk. The hauler's dimensions are 15" wide 35" long and 15" tall.
"If anyone has used this for clothing-how much can you pack in one cube approximately? We would like to use for our 4 kids when we go camping or for an overnight but having trouble visualizing what clothes might fit. (Or something else to visualize the size-like a box of cereal or how much food it fit for you) "
Each cube is approximately 9" wide, 15" long and 15" tall.
We have an older version but the same hauler. Plus we added a few cubes. Each child (we have 4 as well) has their own cube for sandals/clothes/teddy bear/etc and then they can bring a backpack for books, games, electronics. We also use a cube for our clothes, and then one cube for "family" items such as family toiletries (shampoo, conditioner, toothbrushes/toothpaste- in case kids forget toiletries, first aid kit, medications, etc). I LOVE these as it really helps to keep organized and the cube fit a lot. We pack for a week at a time, you really find you don't need as much as you think so everyone having the same size cube for clothing works well.
"Do the cubes or hauler come w/ shoulder straps? The descriptions I've seen says loops for shoulder straps, but doesn't say if they are included."
The hauler does not come with shoulder straps.


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Our Purpose
University of Wollongong is a research-intensive university with an outstanding reputation for its learning environments across a broad range of disciplines.
Our commitment to our students is evident in our graduates, who are recognised for their capability, quality and success in the global workplace.
UOW is an international network of campuses and regional learning centres. Together with our partners, we make a strong and connected presence in our communities.
We are a young and vibrant university with undiminished ambitions. We value our research capacity to work on complex interdisciplinary problems. Our spirit of inquiry drives our research and learning environments and our objective of earning a place in the top 1% of the world's universities.
Welcome to UOW
Welcome to the University of Wollongong, an institution ranking among the top 2% of universities in the world, with an enviable record in teaching and research. More »
Our Mission
The University of Wollongong is a global leader in discovery and learning, working to transform people and the world we live in. More »


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Research Compliance
Boston College is committed to an effective compliance program that is coupled with its efforts to facilitate the pursuit of its research programs. In these research programs, compliance with pertinent regulations and policies is essential to enhancing the public trust. The university's research compliance program provides support and education for faculty members, students, and staff in regulatory requirements for scientific research. The Office for Research Integrity and Compliance (ORIC) has three main responsibilities: research compliance education, oversight, and information clearinghouse.
Educational Programs
ORIC collaborates with other university offices and committees in providing a variety of educational programs. Many of these programs are related to the Responsible Conduct of Research. Other programs will be developed upon special request and as needs develop. If you would like to suggest an educational session or program related to research compliance, please contact Dr. Stephen Erickson, Director, ORIC, either be telephone (2-3345) or by email.
Research Compliance Oversight
ORIC will assist administrative offices and compliance committees by providing advice and assistance in the development of policies and procedures that best meet their needs and fulfill the relevant compliance requirements.
Research Integrity and Misconduct
University Research Compliance Committees and Offices
Research Compliance Clearinghouse
ORIC serves as a resource to researchers, administrative offices, and compliance committees. In the pages that follow, you will find resources on a broad range of research compliance requirements. Additional resources will be added as they become available. In addition, ORIC will also assist you in special searches for information. If you need information you do not find on these pages, please contact Dr. Stephen Erickson, Director, ORIC, either by telephone (2-3345) or by email.
ORIC Staff
Director: Dr. Stephen Erickson, 617-552-3345
Office Fax: 617-552-2970
Office for Research Integrity and Compliance
Waul House 208
270 Hammond Street
Chestnut Hill, MA 02467
New Developments
Administrative Records Retention
Administrative records related to research projects have a variety of retention requirements. This can be highly confusing and could expose the University to significant audit findings. The Directors of the Office for Research Integrity and Compliance, Office for Research Protections, Office for Sponsored Programs, Office for Technology Transfer and Licensing, and Office of Environmental Health and Safety, collaborated in creating a matrix of these record retention requirements. It covers a broad array of records and provides both the length of time records must be kept as well as the regulatory or policy sources for the various retention requirements. We hope you find this matrix useful.
The Conflict of Interest Policy Pertaining to Sponsored Projects has been amended to more completely address conflicts of commitments. You can find the revised policy and the new disclosure form on our Conflict of Interest page.
We are also announcing the publication of the Addendum to the Policy on Conflicts of Interest and Commitment Pertaining to Sponsored Projects that addresses the new Public Health Service Regulations. This includes NIH grants as well as awards from all other agencies covered by the Public Health Service (PHS). There is also a new disclosure form that contains items required by the PHS regulation. There is a new training requirement for principal investigators and others having responsibility for the design, conduct, or reporting of the research. The training can be satisfied by completing either the CITI COI program or the NIH Program. Please note that if you take the NIH program, you must print the certificate at the time you take the course as you cannot log out and then return later to print it. Once printed, please send the certificate to Stephen Erickson.
In addition, the following policies have been writted or amended in the past year or two:


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Style # 216124
AVAILABILITY: Unavailable for immediate shipment.
With a stunning jacquard print and a comfy tight knit that holds you in, this bebe dress is sure to turn heads no matter where you wear it. Try it with a pair of embellished heels and a minaudiere to glam it up.
- 65% rayon, 35% nylon
- Center back to hem: 35" (89 cm)
- Dry clean
- Imported
- Model is 5'9" and is wearing a US size S
Keyhole Jacquard Dress is rated out of 5 by 2.
Rated 5 out of 5 by Niki2 from Nice Fit This dress looks and fits nice. The pattern draws alot of attention to your body. I was swarmed with compliments :)
Date published: 2013-07-09
Rated 1 out of 5 by MangoMag from Not worth it! This dress looks gorgeous online, but very cheap in person. The fabric is thin and looks cheap. I'm returning!
Date published: 2013-06-03


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OTTAWA — The U.S. Environmental Protection Agency has made a veiled threat to take Canada to the International Joint Commission in a dispute over plans to expand coal production in the Elk River Valley of southeastern B.C., near the Montana border.
The threat was made in a letter that outlines concerns about the potential for pollution running down B.C.'s Elk and Fording rivers into two bodies of water shared by B.C. and Montana — Lake Koocanusa and the Kootenay (Kootenai) River.
The letter was sent to Canadian Environment Minister Peter Kent in December by EPA Administrator Lisa Jackson.
She told Kent she hopes the federal and B.C. governments will support a study of the cumulative effects of existing and planned coal mine expansion in the area, mostly by Teck Resources Ltd.
"A cooperative bilateral approach on potential mine development in the Elk River Valley could obviate the need for a joint reference to the International Joint Commission," wrote Jackson, who resigned last month.
The U.S. government is under pressure from Montana's senators, who wrote to the U.S. Secretary of State in September complaining about the threat to the "treasured" Kootenai-Koocanusa watersheds.
Senators Max Baucus and Jon Tester argued mine expansion may be a violation of the 1909 Boundary Waters Treaty.
The treaty established the International Joint Commission to settle cross-border disputes involving pollution of rivers and lakes. It is made up of three Americans appointed by the president and three by Canada's federal cabinet.
The letters from the EPA and the senators complained Canadian authorities are examining coal projects on a piecemeal basis and are not considering overall impacts, including the "significant and continuing" increase in selenium leaching from waste rock into rivers and lakes.
Selenium is a "naturally occurring substance that is toxic at high concentrations," according to the EPA.
"B.C. is evaluating each coal mine expansion individually, with no legal requirement to conduct a programmatic environmental review to delineate the cumulative water quality and aquatic life impacts from contaminant loading from all of the mines," the senators wrote.
"Drainage from the Elk Valley mines present serious risks to the Kootenai Basin water quality and valued trout fisheries. It is imperative that international scrutiny be applied to the mines' downstream impacts."
A spokesman for Environment Minister Peter Kent said there hasn't been a formal referral to the International Joint Commission.
"The government of Canada is committed to working with the Province of British Columbia on addressing issues of concern to the U.S. in the Elk Valley," the spokesman, Rob Taylor, said in a statement.
He said environmental officials from the EPA and the state of Montana are participating in the B.C. government's review of Teck's Line Creek mine expansion proposal.
There will also be American participation in a planned federal review of Centermount Coal Ltd.'s proposal to construct the Bingay mine about 21 kilometres north of Elkford.
The EPA has raised concerns about both the Bingay and Line Creek mines.
The EPA said in a statement that it is pleased a federal review has been ordered for the Bingay proposal.
Teck spokesman Chris Stannell said his company has submitted regulatory applications for two mines, Line Creek and Fording River, in order to "extend the life of the existing mines and maintain jobs at those operations."
He said the applications do, in fact, consider the cumulative impact of all the Teck mines on the health of the watershed, and the company is proposing "significant investments" in water treatment facilities and water diversions.
"We are confident our existing and future development can be conducted in a way that balances environmental priorities, while also supporting jobs and economic growth in B.C."
The expansion of coal production in the area has drawn interest from environmental groups who say the mines threaten water quality and aquatic life in an important international watershed.
The coal is exported to Asian steelmakers.
"We're especially concerned about the proposed Bingay coal mine that would be located next to the Elk River, smack in the middle of a globally significant wildlife corridor that connects the Flathead River Valley to Banff National Park," said Sarah Cox, acting executive director of Sierra Club B.C. "Three years ago, the World Heritage Committee recommended a moratorium on new mining in that corridor."
She said there are several coal exploration projects underway in the area.
The EPA wrote to the B.C. Environmental Assessment Office in December expressing concerns about B.C.'s assessment of the Line Creek expansion, stating "we do not agree" with B.C.'s conclusion that the impact of selenium on water quality would be "negligible." It also expressed concern about the affect of selenium on bull trout, a threatened species in the U.S.
B.C. Environment Minister Terry Lake was not available for an interview, but said in an emailed statement that the B.C. government understands the need to consider the issue of selenium "very seriously." It said an update of B.C.'s guidelines for selenium in water has been proposed and is out for "external review." And it said Teck is developing a valley-wide selenium management plan.
But the EPA letter complained Teck considered but dismissed additional mitigation measures - such as speeding up construction of a water treatment plant - due to "costs, operational complexities and . . . limited environmental benefits."
"These additional mitigation measures have potential to further reduce the extent of water quality impairment and adverse aquatic life effects, and reduce selenium loads to Lake Koocanusa," wrote the EPA's Montana director, Julie DalSoglio, noting high selenium concentrations found in waters not only near the mine but in Montana's Lake Koocanusa.
"Consequently, we are concerned about the dismissal by Teck of these measures."
Read my blog, Letter from Ottawa, at vancouversun.com/oneil


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Username/Password Help
Reset your Password
If you have forgotten your new password, you can reset it on the web. Go to http://vw.my.vccs.edu, click on Forgot Password and follow the prompts. For additional information and instructions, please review the Student Tutorial located on the left of this screen.
Find Your Student ID, Username, and Password
If you are new to the college, after you have submitted your application, you can find your Username on the web. Go to http://vw.my.vccs.edu, click Forgot Username and follow the prompts. Passwords can be reset by clicking Forgot Password.
Make sure you have typed in your name exactly as it appears in our records. That is the name you used when you applied to the college.
If you need assistance, contact the Help Desk or the Enrollment Services Office, but please be sure you have followed all the tips and read the directions carefully on the MyVWCC Help site.


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At a time when bearishness is spreading like wildfire through the markets, portfolio and market risk analysis is essential, says Eoin Murray, Head of the Investment Office at Hermes Investment Management.
After considering five key risk categories, it is apparent to us that markets are at a critical point, with the stability of correlations and heightened event risk being headline concerns.
Troubled times: Global markets began this year by bucking a trend. Usually buoyed by the so-called 'January effect', this time markets around the world slid on growing concerns about China's economy, the oil price and the future path of interest rates. Investors are anxious and fear that this rout, following the volatility of last August, marks the start of a bear market. In this environment, it is vital for investors to be aware of the risk in their portfolios, as the distributions of asset returns are likely to change.
Five key measures of risk: Within the Hermes Investment Office, we consider at least five forms of risk, with several indices contributing to our view of each. These are as follows:
Volatility has undoubtedly increased given recent events. Even before the turmoil began, key indices showed that volatility was rising in equity and commodity markets and that it was only falling among currencies. Forward-looking indices indicate that investors should expect more frequent spikes in volatility. While these surges create uncertainty, they could also present opportunities for active investors to take advantage of rapidly changing prices.
Correlation risk can often be an imperfect measure, as it reflects either a long or short-term view, rather than a nuanced combination of the two. It is also problematic during periods of market stress of the kind being experienced now, in which correlation levels can change rapidly before reverting at a later date. One way to address this is to use the standard deviation of the correlations between asset classes, which shows the stability and, importantly, the historical reliability of correlations. This measure indicates that although correlation risk was relatively subdued throughout 2015, it appears to be very unstable and is likely to change rapidly as we progress into 2016.
Stretch risk reflects the likelihood of a 'snapback' for an asset class, where medium-term trends have masked longer term risks and volatility levels. Commodities are a good example of this, as relatively gradual falls in prices over the last couple of years have lowered volatility and failed to reflect the likelihood of an acute rise or fall in prices. This pattern has been evident in several asset classes amid an oscillating macroeconomic environment, making us extremely wary of mean reversion. Relative valuations between certain asset classes also appear stretched and should be monitored closely.
Liquidity risk measures currently reflect little of the turmoil in markets. Both funding and liquidity risk sit at pre-crisis levels, suggesting that liquidity is reasonably good in money markets and not critical in the credit markets – at least for now. However, trading volumes have been consistently low in the last year and liquidity, by its nature, is transient, meaning it can quickly evaporate when it is most needed. We believe that investors should be concerned about liquidity risk across asset classes in 2016, particularly since there is a possibility of contagion.
Event risk has proved to be particularly prescient in the last month, as evidence of the slowing Chinese economy and the rise in interest rates in the US prompted successive falls in the markets. Event risk is best assessed by two measures: turbulence and absorption. Turbulence refers to ongoing periods in which all or almost all assets behave uncharacteristically, while absorption refers to the ability of the markets to absorb shocks, therefore gauging susceptibility to systemic risk.
In the last year, markets behaved fairly typically, with fluctuations similar to those in most other years. However, the absorption ratio rose steadily from mid-2015 onwards, peaking at the end of the year. This is problematic, as the lack of turbulence could mean that the market has failed to price in the risk of a sudden sell-off.
Contagion: A further complication is the correlations among crises in different regions. Historically, crises have usually emerged in one market before spreading to others and then abating slowly. In 2015, local shocks did not become global, with only the August panic showing some signs of contagion. At the time, the policies of central banks were near-identical around the world throughout the year, which could have helped contain shocks. However, further tightening of US monetary policy by the Federal Reserve and the resulting policy divergence could increase the risk of contagion.
Mixed picture for messy markets: The risk profiles of the markets are particularly mixed. While they have behaved relatively normally over the last year, and could continue to do so, it is clear that the risk of a sudden shock is high. The current absorption ratio suggests that markets would be vulnerable to such an event, with liquidity risk potentially spreading across asset classes and correlations changing rapidly. From this analysis, the case that diversified portfolios are currently more risky than they initially appear to be is strong, particularly where they rely on negative correlations to reduce risk.
The views and opinions contained herein are those of Eoin Murray, Head of the Investment Office and may not necessarily represent views expressed or reflected in other Hermes communications, strategies or products.
Jeannie Dumas
Head of Corporate Communications & Shareholder Relations email@example.com +44 (0)20 7680 2152 +44 (0)7841 324061
Melanie Bradley
Head of Investment & Stewardship Communications firstname.lastname@example.com +44 (0)20 7680 2218 + 44 (0)7767 162 317
Rachael Dowers
Assistant Manager, Corporate Communications email@example.com + 44 (0)20 7680 4698


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From Friday 24th – Monday 27th of August 2012, Boots customers will get an extra 10 points per £1 when they spend £15 or more in store or £50 online.
Few other points:
- Boots Advantage Card holders usually earn four points for every pound they spend at Boots UK**, so take advantage of this amazing offer and be rewarded with additional Boots Advantage Card points with this offer.
- Boots Advantage Card points are not available on prescription items, infant milks (up to 6 months), gift vouchers/ cards, postage stamps, Boots Hearingcare, Boots Insurance (excluding travel insurance), Travel Services (excluding travel money), Boots Opticians Products and Services, mobile phone top-up cards, delivery charges, at our 'third party sites' including Treat Street and Boots Kitchen appliances
Now – the above took me a while to work out – I'm not saying it's as hard as a Mensa test but I was thinking, if I spend £100 then I end up with er…..er……I think its 1400 points which is £14, because you already get 4 points per £1 spent plus the additional 10.
You know those charts they have in sales where it shows you how much 20% off different amounts come to? I need that, but for points.
Anyway – spend away!


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I know a lot of us have made stories and we can't have a story without characters. So this is just a place to to make up (or share) any characters that come inside your head. You can create as many as you like.
Physical description
Background story
Any other information unique to the character (powers, skills, etc.)
Have fun with it!
I am currently writing a film which is based around 4 mercenaries brought in by the government to help cull a mutant race that seem to be attacking the world. But the theme and styles are based around anime characters.
Physical description
Average build nothing out of the ordinary, very good looking and well groomed, but no real distinguishable features
Background story
Much like his physical background, he has no noticeable background to his life, he was brought up in a normal family father and mother but no siblings. At a very young age his parents could tell he was good athletic child with a good head on his shoulders and to help reach his potential they sent him to a private school who had a reputation of only having the best come through their system. Little did the family know that this school was actually build to produce mercenaries which is why grades were so good. During his time there Alfa was taught the how to fight with a sword and put though tough athletics courses, as well as the mentally draining test. At the age of 20 Alfa was the youngest ever student to progress to S class, and by 22 was the top mercenary at the school, which was why the school put him forward when the government came calling.
Any other information unique to the character (powers, skills, etc.)
Like any good swordsman, Alfas sword would represent his personality, which is why Alfa has a big flamboyant sword that he carries around on his back ( like of like Itchigos sword from Bleach or Clouds sword from Final Fantasy). Though he has no superpowers Alfa is trained to be that bit quicker and that bit smarter then most other people. The other real distinguishable feature is Alfa's array of suits. Though in the film he will be sporting a red suit
Guess I'll do one too lol. This is a character from a story I'm currently thinking of
Name: Natsuma
Age: 26
Physical Description: Natsuma is about average height, should length black hair, wears glasses, brown eye.
Background Story:
Natsuma is a no nonsense girl. Everything had to be just right with her. Nothing should go wrong as long as she was organized she thought. Eventually, she met a guy name who was well organized himself but mistakes still came to him but he knew how to roll with the punches better than she can. Through various interactions with each other and seeing how well he handled unexpected situations, she eventually fell in love with him and accepts to marry him. Setting up everything for the wedding was going well until a few days before the wedding when unexpected after unexpected started to happen. Her wedding day will be on big test of how she will handle this now might be disaster.
Other Info: None
Name: Rudy
age: 10
Physical Descrip: curly hair, has a huge smile, short and skinny, very athletic, has dimples
Background story:
he is emotionally disturbed, picks on his younger brother(horribly), who is just a year younger. gets angry quick, and quickly gives up when he feels cheated. He was abused by his teen mom. His father was stabbed many times. He has Two much older brothers, both of which have been sent to juvenile hall. He can barely read, and has no interest in books. He likes to play candy land, but doesnt want to be the last player to take a turn.
other info: his teachers & Principal have given up on him. His path seems to lead to a psychopathic muder.
this person exists in real life
Im a voice actress let me know if you need any voices for females ages 5-25!
A sci-fantasy character I've been designing.
Name: Sulac
Gender: Male
[apparent] Age: 39
Appearance: A somber figure at roughly 6 feet, two grey eyes peer cold and intentive at the world from under the hood of a worn grove green cloak. Light hair lines his chin, an unkempt beard starting its existence underneath a seemingly perpetual and neutral frown. Brown hair of the darkest shade-- black, one might be inclined to call it --perches upon a rounded nose, falling to the sides of the grey observers, unattended. Burrowed underneath the grove green fiber is an earthen vest of pouches -- some empty, some squared, some lumpy -- draped over a navy tunic. A harness criss-crosses his waist, securing a katana of pristine condition to his left, tassel of vivid ruby flaunting the hilt. Its onyx blade hidden within an unassuming wood sheath. Mucked linens embrace the legs, color lost to dirt, receding into supple boots of black plating. Gloves of the same black plating flex with dextrious hands, still, anticipating the world. The grove green mantle encompasses the whole, concealing all but a piercing curiosity.
Personality: Reserved and concise, few words loose this one's lips. Appearing without warning, he blends into the earth, an enigma faster than the wind. Yet a kindness shows in his actions, subtle yet ever present; a glimmer of his true nature.
Brief History: An anonymous traveller skilled in spellcraft. Few have seen him and fewer still claim an acquaintance.
True Brief History:
Spoiler Alert! Click to show or hide
A scientist from a society long forgotten, he lead the research into nano enhancement of the human frame. Achieving agelessness he soon began modifying his flesh to cause chemical reactions at range, imitating the "magic" made so popular by media of the time. Commercialising "magic" funded projects for a space fairing culture which abandoned the now morally destitute planet. Drifting the stars, Sulac engineered humanoid species and "enchanted armaments" which became standard military equipment and was used during expeditions and civil wars. Eventually finding a candidate, he renewed a dead planet, planting his humanoids and magic on the fresh surface. Imparting morales and basic guidance, he left and let the planet develop culturally. Centuries later Sulac left the space fairing society for his secret planet, his true dream. Unsure of the layout and development, he wanders the land, helping those in need, but at a distance. He constantly wrestles with a desire to openly interact with his people and to refrain from disturbing a world he does not belong to.
Hunting in the maze
Name: Aleksandar Diablo
Gender: male
Physical Description : messy hair, atlethic body, average height, green eye
Background story:
He is the offspring of a demon and a human, he realize that he's a half demon when a girl named Acura Angelus (the offspring of a angel and a human) sense his dark power and tell him that he's a half demon. He tell her that he don't wanna be an evil person he wanna do a good things, so she taking him to a camp (Daystar) where the offsprings of angel gather and train for battle. At first the campers don't accept him but slowly they accept him especially when he save the camp from the attack of demons.
other info (weapon,skills,transformation)
weapon : sword (something like Zanpakutō)
skill : Asura Cross ( It's like Ichigo's Getsuga Tenshō), Hell Raiser (It's like Oga Tatsumi's Zebul Blast from Beelzebub)
Transformation: Demon Phase 1 (description : in this phase Alexandar is surrounded by a black aura,
sprouts two demon-like wings and there are two horns that comes out from his head (like Devil Jin From Tekken).
Demon Phase 2 (he become more like a demon and surrounded by a red aura)
Demon Phase 3 (he become a demon and surrounded by a purple aura)
Name: Marjaan ( its a precious stone in urdu. red. ) Yahya
Age: 19
Physical apearence :
he is tall and slim. about 6ft. with beautifully tanned skin, and haunting green eyes. straight black hair that fall on his forehead. hes sexy as hell.
Stuff about him :
dresses sophesticatedly. likes alcholol but it doesnt get to him much. Hes sweet but strangly mysterious with a dark aura around him. he has a kind heart. misses his girlfriend alot who died and always wears a ring she gave him once.
he is the son of a rich buisnessman. his father is into prostitution aswell. he pities the girls and tries to help them. doesnt get along with his father so he is sent off to a posh college in another city and becomes another over indulgent rich kid with his friends until his younger brother comes to take him back and they unite as one to stand against what their father is doing.
other stuff:
marjaan is awesome when it comes to shooting with pistols and fighting with bare hands.
~I Stand With Gaza <3~
I started writing a short character-based story for fun about an ex-magical girl who fights the magical girl system for decieving those who contract with them. Although, I decided to drop it after MadokaMagica came out... Anyway, this the the main character for that story.
Name: Kyuuto (Cute)
Age: 17
Physical Appearance: Kyuuto is just an ordinary high school girl now, about 156cm tall, and soft pale skin (from avoiding going outside). The only features that stand out are her long dyed-yellow (not blonde) hair and unnaturally green eyes (aftereffects from when Kyuuto was a magical girl). And if I remember correctly, I think I made her never wear footwear except for a pair of white kneesocks...
Background: Kyuuto has always been a sweet girl. Her parents doted on her and there wasn't anyone who could hate her. Everything was fine until she unintentionally witnessed a murder take place in front of her own eyes. Since then, Kyuuto has been obsessed with preventing that from ever happening again. One day, though, she came across just what she was looking for- a magical animal, Raki (lucky) the Rabbit. Thus, the classic contract between girl and familiar was formed. For a time, Kyuuto was a successful magical girl, fighting for justice and all that. However when Kyuuto tried to save one of her comrades from perishing in an accident, she finds out that it was actually a murder attempt from that girl's own familiar. It is revealed to her that magical girls are disposed of after 2 years of service, as they become less cooperative with the familiars and know too much about the secrets of the system, and a new one is recruited. When she questions her own familiar, Raki, she finds out that he disapproved of the system, and tried to save her from that fate. Because of that, he was being targeted by other magical girls and familiars as a traitor. In a last ditch attempt to save her friend, Kyuuto sacrifices her own powers to turn him into a human, thereby forcing the familiars to cease their efforts in order to continue deceiving the other magical girls. That incident changed Kyuuto from a sweet and innocent girl into a cold realist, and instead fights against the magical girls and familiars for putting Raki in danger. That is where the story begins...
Other Information: Kyuuto's name is never revealed, and she herself goes by "Kyuuto" even after becoming a normal girl again. Both her and Raki (who is now a human and acts as mostly comic relief) live together in an apartment room. She fights against the magical girls with an ordinary gardening shovel and her normal strength, which is actually effective against the airheaded idiots that magical girls are (to be easily influenced). Due to her personality, she is an expert strategist and is knowledgeable in just about everything except for academics. Kyuuto also works at a local anime dvd rental, being somewhat of an Otaku.
...I also stopped this story for a couple obvious reasons...
Cute is JUSTICE, Flat is STATUS, Loli is SOUL.
This sound cool !!!!
Name : Jasmine
Age : 17
Gender : Female
Physical appearance :
ordinary high school girl
she is 160 tall
she is beautiful girl, with long black hair, green eyes and white skin
Personality :
she is a friendly girl, maybe a little sensitive, but she have a good confident in her self, trust worthy enough and kind between all her friends, loves to help everyone but she hates arrogant people and can easily get mad when someone bothers her or her dear friend and she is the jealous type too.
Background story :
Jasmine always had a dream to travel to London and when she finally had that chance, she had to live with a royal family, but the parents traveled and she was stuck with their cold arrogant son, she met good friends at school and had a great time in her favorite country although she always fight with that mean boy, his name is "Kai", however she noticed that Kai always go out late and she followed him, that's when her life changed and she became a special girl, her peaceful happy life was taken away to be be a dangerous one while she had to fight the whole time and her partner was the mean boy who she hated the most Kai....
Skills after the change :
she can uses fire and wind element
good sword women
have the healing ability
Wish to have you as a friend ^_^
Name: Truck Driver
Age: 56
Gender: Female
Physical Appearance: None. This character is nothing more than a metaphor for the obsession of ones everyday life. Therefore she has no memorable physical features other than her baseball cap, the big mack by her side(metaphor for consumerism) and the truck she drives, who's bland and uninspired design is a direct contrast to the complexity of Truck Drivers character, one that lies not beneath but inside her graciously wide hips, belly and mouth.
Background Story: Truck Driver has no past, nor does she aspire for the future. This woman lives in present, breathes at the very hum and tilt of a passing moment in time. She sees no future for herself. She has no dreams, yet she views herself as a person without the falsified delusions of grandeur that define existence. She eats the furrows in her brow and pain behind her life with every bite of her big mack and every time she swallows.
Indeed, this woman?
She doesn't want or need a name, just money.
Just enough cash to get by, just enough money to exist.
In truth she inhabits the reality of a mother can no longer feed her children. Two sons who ran away to live with daddy because she didn't make enough to bring them to doctors, have them join a school club, save them the worries of what it is their going to eat today, unable to bring the moon and too broke to stop those footsteps from leaving home.
Other Info: She drives a truck. She is also plump(very, very plump).
Superpower: That of being faceless, of being of an enigma, of being weak and powerless but more importantly, the fact that she doesn't exist. That you'll never see her in the streets or in the driveway or on her way home from that road made of both broken glass and of broken dreams she no longer holds. You'll never see her name in a book or story, she's too powerful and relevant to be mentioned in the credits of a hollywood movie.
Her superpower is that she's a ghost.
You think you see her when try hard enough, in the girl you have a crush on, or in that even faced boy you call a friend. She has the power to give you nightmares of a world filled with complexity and failures.
But she doesn't exist, you tell yourself. Through TVs and Half-witt manequins you tell yourself you know the real world. Know that it's one of success and black and white lining on a silver wall where we truly are judges of right and wrong. We are success. We are not Ghosts.
We are not Truck Driver. We are the president, we are the next big thing. We are ceos and movie stars, pop icons and the perfect actress no ones ever heard of.
Millionaires, we all are.
You tell yourself.
Truck Driver doesn't exist.
Note: I'm 45% trolling, 55% on a fucking roll today.....
Feeling creative..
I wanna give this a try! Let's see......
Name: Layla
Age: 17
Gender: Female
Physical Description: High school student! (I'm so original )
About 5' 7'', or 173.736 cm.
Long flowing, milky brown hair with assorted blonde highlights.
Piercing and curious eyes as deep blue as the sea.
Perfect, light skin.
Usually seen wearing a small ring on her left index finger.
Personality (I feel this in necessary for any character description): She's a quiet, shy girl that lacks a lot of friends. She usually remains unseen and unheard. Despite how shy she is she's a very confident, capable girl with many talents ranging from being skilled at guitar to being a skilled baker. She's not easily riled up, but when she is, her rage is something to behold. Her entire personality changes, giving her the personality of an angered goddess.
Background story: At the small age of five, Layla was abandoned by her father and mother at the foot of the local shrine, leaving her with no place to go and no one to love her. Since she was so shy, she didn't dare ask anyone for help, but instead lived in the sewage and muck of her home town slowly being forgotten and left for dead by all her people. On what she thought wold be her last day of living, a small boy no older than her came over and looked at her with a pale sadness in his eyes. With all of his strength, he picked her up off of her broken legs and helped her to walk to the nearest restaurant, and to his family. As they walked he asked her her name, to which she responded out of kindness with tears in her eyes and pain shooting through her body. When the boy finally brought her to his family, they looked at him in horror, and yelled at him for what seemed like an eternity to Layla, telling him to put her back where she was found. Screaming endlessly, both sides's screams echoed farther and farther from Layla as she felt something pulling her away, and she collapsed.
The following week, she awoke in a hospital bed, with the boy right beside her, sitting in a chair, and looking deep into her now open eyes. And there he remained as she was slowly nursed back to health over the next three years.
At the tender age of eight, and now living with the boy and his family, they were robbed. The thieves broke into her house and held her new parents at gunpoint before, in a fit of rage, firing, killing both of them, forcing them to flee without stealing any items.
Left with no family, and no hope, the two wandered the streets. Having only each other, they resolved to find a new life somehow. As an attempt to make money, they both got jobs. The boy handed out fliers and Layla cleaned windows for a small fee. It wasn't much, but they managed to get by using what small amount of money they gathered each day.
At 15 years of age, Layla and the boy had gotten better jobs, better schooling, a better home and a better life. They made a pact when Layla turned this age. They made a pact to never let each other down, and to never give up on each other. They gave each other rings to remember this promise, and as a child's promise to belong to one another forever.
And so they remain, boy and girl. At the age of 17 her story continues...
(I'll let you make up the story from here)
Abilities: During her transformation, she can manipulate the elements and her surroundings and bend them to her will, forcing them, weither they are are existent or not, to do as she commands. She also gains temporary invulnerability and can corrupt the mind and force you to see illusions of things that are not there.
However, this takes up blood force(the source of her power), and as such she cannot use her transformation for very long.
While not transformed, she still has control of the elements on a basic level, however that element must be present in order to be replicated. For example: While not transformed, she can stand in the general vicinity to a fireplace and replicate it's flames to cast a fireball. But, while transformed, she could create endless flames out of nothing and do as she pleases, like making fire tornadoes or fire floods...
That's all I got.
Name: Jekay Kusho
Age: 11
Physical Description: Parted Brown hair down to his neck, brown eyes. 4''7, 128 lbs., wears a dark blue warrior's gi.
Background: Jekay lives in the Weapon World and is the son of a famous first class warrior and General of the Central Kingdom. As well as the grandson of the retired General of the West Kingdom. He wants revenge on the man who killed his father, "The Destroyer" but he can't because the Chosen One; his rival, Ekoay Ishia has to be the one to kill him.
Other Information: He uses one of the rarest and most difficult weapons to wield, the Golden Sword and has mastered 99 of its 100 techniques.
Mets love mets love forever~
Name: Fate
Age 16
Look: Dirty blonde hair, Bule eyes on left red on right, Pale white skin,Star on her left eye.
Details: Demon
She was born from the angels side but then something slipped up and now she is the demons princess. She is know as the black reaper and nobody likes her it say just by looking at her the world will be over for you. She is waiting for revenge for the pepole who killed her parents
Power: Has all elments inside her wind,water,earth,fire Nothing has or until stopped her.
Mostly never online (busy with traveling) Currently in Korea
Name: Hamada Eri (浜田・会梨)
Age: 19
Physical description: 155Cm. Dark brown hair with subtle (natural) reddish highlights. She's not chubby, but not entirely skinny, just healthy. She likes to wear long sweaters and tights, usually paired with boots or short heels in the winter.
Background story: Eri doesn't have much of a background story, but she's a very important character in the story. She's a regular student, with average grades, but her determination and leadership skills play a large part in the lives of her friends. She was asked by her classmates to be the class rep. but she denied it because she thought it would distract her from her studies. She spends most of her time with her friends or studying or cooking. She likes to plan trips with her classmates when there are days off.
She has a boyfriend, but she doesn't like to keep it public, because they don't really talk too much.
Hero's don't always have superpowers, and they don't always have to fight their way to prove it to their friends that do. The main plot of the story revolves around her decision of whether or not to tell somebody about something she saw. The decision will decide whether or not a stranger will live or die, or if the assailant will come for her instead. She needs to decide if her personal safety, or the integrity of her own humanity is more important, or if telling would even save the person at all.
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17 years old
Average build, Black Messy Hair, and brown eyes
Samura is the grandson of one o the greatest mages that has ever existed, but when he was 6 years old he was attacked by an animal that was imbued with the planet's powerful but poisonous magic. Samura was saved by a mage guild that protects civilians from these monsters. Samura was saved but there was a cost. The monster was able to inject a fragment of itself in Samura's arm and try to overtake his body. Being the grandson of the incredible mage, Samura's large amount of magic was able to suppress it, but it left Samura almost no magic to use. As he grew older the fragment begun to mutate Samura's magic. Now he is the only mage in the world who has green magic. Not only tat but it allows Samura to posses skills that other mages could never duplicate. The only problem is he has to train in an academy where they separate the advance from the below average. Since Samura's power is almost completely suppressed he has to start from the bottom and build his way up. He learns of his unique abilities while being looked down from other students of the academy.
Magic skills:
Able to summon a chimera that is able to change its form
able to use magical weapons that absorb magic
able to copy others magic abilities
able to change his magic to any element he wants
Bring it on...


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