text:
Reviews from some of the Y4 Physics Tuition students:
*Note: All reviews and testimonial are verifiable and back up with ACTUAL hardcopies / screenshots. They are not fictional.
"Mr Khoo's teaching style fits me better which contributed to my improvement in results from B4 to A1. Thank you for being such a great Physics teacher!"
Selene Tan, Nanyang Girls' High (2018)
"Mr Khoo's lessons has helped me build a good foundation for Physics as I learn the topics before the school starts on it. I have a stronger grasp in Physics now and the lessons are really useful and they really helped with my grades."
Lin Zi Xuan, Hwa Chong Institution (2018)
"The notes provided were very helpful in letting me understand concepts such as Electromagnetic Induction. The worksheets have also sharpened my answering techniques and exposed me to more question types. Mr Khoo let us practice more exam-style questions while my school teacher uses a self-directed learning approach when teaching. I like that interesting questions that are also challenging are printed for us to try."
Yong Khee Hou, Hwa Chong Institution (2018)
"I have made progress in terms of my understanding of concepts as Mr Khoo focuses more on concepts and practise whereas my school just goes through the notes, so I feel that I am quite lost in school and Mr Khoo's lessons helped me. I do very well in quizzes now. I like that we get to recap on concepts and past year topics that I have forgotten. Thank you for being patient and taking time to clear any doubts I have!"
Clarissa Aw Xuan Ting, Nanyang Girls' High (2018)
"I have seen a substantial improvement in my grades from C5 to A2! I am able to communicate my questions for each topic more freely in Mr Khoo's class. In school, my teacher tends to skip concepts that he deems are 'easier' but during tuition, Mr Khoo focuses on every detail."
Joanne Lim, Nanyang Girls' High (2018)
"Thank you Mr Khoo for being so patient and willing to set aside time, even if it is after class to answer my questions. I feel more confident in approaching questions compared to initially when I was intimitated by the mere sight of Physics questions. My school teachers are good at their content, but they do not deliver it in a way that can be understood by students at this age. However, Mr Khoo doesn't use extremely technical terms and explains things in a clear, concise manner that is easy to understand :) "
Tanushaa, Cedar Girls' Sec Sch (2018)
"The constant topical revisions through MCQs and structured questions and revising the notes given has allowed me to better grasp the challenging topics in Physics. I like that I am able to clarify my doubts instantly and the relatively small class size makes lessons extremely conducive for learning."
Matthew Lee, ACS (I) (2018)
"I like that Mr Khoo's lessons are very clear and he goes through everything step by step. I can also clarify my doubts after each lesson so i can understand the subject better. Thanks for helping me pass and get my first A1 for Physics!"
Celeste Lim, River Valley High School (2018)
"My school teacher is very strict and she does not go through our revision papers and expect us to understand by reading the answer key. Mr Khoo is not so scary... and he helps to clarify all my doubts. I like that he explains and find analogies for us to understand the key concepts better. Thanks for being super patient with me and I am finally quite confident for Physics!"
Hannah Teong, River Valley High School (2018)
"I like that Mr Khoo's lesson allows me to be able to clarify my doubts and helps me identify common mistakes. He gives clear explanations and allow students chance to ask questions. He will also explain areas of mistakes and misinformation."
Samuel Cheong, Hwa Chong Institution (2018)
"I like that Mr Khoo would walk around, giving hints when I meet a question that I do not know how to do. My school teacher tend to just show the answers. There will be some school lessons where the topic is new, thus I am not very confident about it. However, most of the time, we would have had a few lessons on the topic at Mr Khoo's class already and so I would feel more confident."
Lionel See, Hwa Chong Institution (2018)
"I am able to answer calculation and explanation questions more accurately now and I understand the concepts more clearly. Now I understand the Physics lessons in school more easily. There is also time after class to clarify doubts and Mr Khoo provides individual help in class."
Ong Yiting, Nan Hua High Sch (2018)
"My school teachers does more class discussion which made me more confused as we were building on each others' answers when we were unclear of the chapter. Mr Khoo uses the students' answers to mark and show us the correct phrasing and terminologies to use and made me more sure of what to write in future. He also helps us personally to address our own misunderstandings."
Chai Ning, School of Science and Technology, Singapore (2018)
"My grades and understanding of the concepts have improved. Mr Khoo has a good approach of going through the notes for the chapter before giving us practices to do and I feel that it helps me to recap on each of the chapters. He also ask us not to be shy in asking questions when we do not know a certain concept which I feel is great as I get to ask whatever I need to clarify. Thank you Mr Khoo for your dedicated teaching and I hope I will do you proud in 'O' Levels!"
Dorcus Tan Zhi En, Christ Church Sec Sch(2018)
"I understand the physics concepts better now and I know how to solve more questions when I am doing Physics exams papers. Mr Khoo's explanation is very clear and I know how to apply the concepts to the questions"
Natasha Lee, Methodist Girls' School (2018)
"Mr Khoo gives all the students a lot of attention and help that they need through the thorough explanation and tips on how to improve and pitfalls to take note. Thank you for guiding me these past 2 years and you have really made Physics much clearer. I pay more attention towards Physics and my love for it also grew. I have a clearer understanding of the topics and Mr Khoo has helped me clear my misconceptions on different topics. I hope that I will not disappoint you and I will try my very best!"
Tee Kaile, Swiss Cottage Sec Sch (2018)
"I feel that I have a greater understanding and appreciation towards the subject now. I like that Mr Khoo would sacrifice his own time to prolong the lesson and ensure that the students learn as much as we can before leaving."
Alix Ray Oh, ACS (Barker) (2018)
Reviews from some of the Y3 Physics Tuition students:
"School teachers usually do not explain much on the topics as they expect us to learn before hand. Mr Khoo explains more in depth and gives a clearer explanation. I like that his lessons are engaging and the notes are detailed. Now I understand what is going on in school."
Marcus Ng, Hwa Chong Institution (2018)
"My overall understanding of Physics has improved and Mr Khoo has better teaching and more practice worksheets that contributed to my improvement."
Christy Chng, Nanyang Girls' High (2018)
"Mr Khoo explains very clearly with examples and he also focuses on frequently asked questions. He explains every questions in the practice papers with lots of details and he is very approachable. He makes sure every student can follow through the lesson."
Lam Jun Harng, Maris Stella High School (2018)
"I like that lessons are very informative but at the same time, I do not feel overwhelmed by all the new things I learn. Thank you for helping me improve in Physics. I used to really dislike the subject, but now, after understanding more, I found a passion for the subject :)"
Muhd Faiz, Hua Yi Sec Sch (2018)
"Mr Khoo teaches me till I understand, and lessons are taught ahead of school and I know what my teacher is teaching now. My grades has also improved! Thank for teaching me :)"
Elise Loke, CHIJ St Theresa's Convent (2018)
"While I do not understand what my school teacher teaches as she teaches too fast and I find it hard to grasp key concepts require to answer questions. I have made progress in Physics through Mr Khoo's class as I am able to understand concepts better and apply in my tests and exams through Mr Khoo's examples and elaborations."
Sanjith, St Joseph's Institution (2018)
"I like Mr Khoo's teaching of the lessons and I feel that every time I go to school for Physics, I can understand what was taught as I have learnt it in Mr Khoo's class already and I know how to solve the questions. I have also gotten an improvement in my grades to A1."
Ryan Quek, St Patrick's School (2018)
"Mr Khoo's lessons are clear and concise. There is an excellent learning environment and the use of appropriate examples to illustrate Physics concepts and I understand the concepts better after each lesson."
Ming Peng, Hwa Chong Institution (2018)
"Mr Khoo uses real life examples and applies Physics concepts to it which allows me to understand Physics more and through this, remembering it also comes naturally. Now I am able to find different ways to solving questions and I am able to apply the formulas for different concepts. I really enjoy your lessons! :) "
Elise Loke, CHIJ St Theresa's Convent (2018)
"My school teachers is too fast and do not really go in depth, hence there is no chance to clarify my doubts. But in Mr Khoo's class, I can clarify my doubts easily and understand what is going on. I like that there is a lot of practices given and I get to learn more here. Thank you for teaching me and being so patient :)"
Madeline Yap, Crescent Girls' School (2018)
Thank you messages and testimonial from his ex-Physics Tuition students:
Chng Lip Kiam, Hwa Chong Institution
I just got back my Term 3 Test for Physics. I got an A2, 74%! It's a huge improvement from the C6 grade I got in Term 2. Ever since Term 2, I lost interest in Physics, thinking that it is a tedious subject, having to draw 'vector diagrams' that I completely do not understand. However, after attending Mr Khoo's Physics tuition, I gained a passion in Physics! I could understand what was really going on through his detailed teaching and explanations. After just a few lessons, my foundation for Physics greatly improved, resulting in huge leap in grades for my Physics test in Term 3. I benefited greatly, and had major takeaways from Mr Khoo's lesson, attaining both good grades and finding fun in Physics.
*Lip Kiam is 2nd from the right.
Nick Foo, Hwa Chong Institution
The Physics tuition are interesting and there are lots of Physics exercises to do. It allows me to practise more and to understand the Physics topics better. My Physics grades have also improved from a F9 at the beginning of Sec 3 to an A2 now for my latest Mid-Year Exams in May 2015.
Chng Lip Kuang, Hwa Chong Institution
I can clear all my doubts during the Physics tuition. Also, there is exposure to a wider range of Physics questions which are likely to come out in tests or examinations, hence making it easier to tackle them. In addition, new Physics topics are being taught earlier, which ensure that I have a stronger foundation before learning them in school.
Joy Poon, Nanyang Girls' School
You're better than my school teacher because you see if your students understand everything!! :) Mr Khoo goes through the important concepts of the Physics topic first before letting us try the Physics practice questions. It refreshes my memory about the Physics topic and he often asks students to give him the Physics definitions etc, so he knows whether the students are clear about the Physics concepts.
Luke Loo, Hwa Chong Institution
I have a better understanding of the Physics concepts after the tuition as well as an improvement in my Physics results. The greater exposure to Physics questions also aid in my learning and helps me sufficiently prepare for school lessons as well as my examinations.
Natalie Teo, Singapore Chinese Girls' School
I am able to understand past Physics topics better and I am more aware of the pitfalls and the things to look out for when approaching different Physics questions.
Law Li Zhe, Fairfield Methodist Secondary School
After Mr Khoo's tuition, I find it easier for me to understand and do the Physics questions.
Clarissa Tan, Cresent Girls' School
I feel clearer about the Physics topics covered during our intensive revision lessons because I am exposed to more questions and I can understand the Physics topics better. The pace during the Physics tuition is comfortable.
Chen Wei, Bukit Panjang Government High School
I did badly for my Physics during my mid-year examinations in Secondary 3. After that, I lost interest in Physics and my Physics results did not improve in my class tests. I turned to Mr Khoo for help. Mr Khoo teaches by ensuring that I understand the physics concepts instead of forcing us to memorise. This helped me build a strong foundation in physics. I grew to like physics and continued with his tuition till I graduated. I achieved an A1 for my GCE 'O' Level.
Jane Yap, K.C.P.S.S
" Mr Khoo, thank you very much for always being patient in helping me clear my doubts over the Physics topics. Thank you for spending more time after the class to explain the physics concepts and to use live examples to help me understand better. With your help, the physics concept became easier to understand and my grades improved greatly from D7 to A2."


text:
When revolutionary design meets advanced technology, legends are born.
Indeed, when the Audi TT concept car was first unveiled to the public in 1995, it met with immediate and huge acclaim.
Few production cars resembled their concept quite as closely as this one. And when the Audi TT first went on sale in 1998, it quickly became one of the most popular sports cars in its class.
In 2006, another milestone. The second generation TT launches. With Audi Space Frame technology, it's 90kg lighter – translating into an agile and responsive drive that garners award after award.
Now we've reached the next chapter: the third-generation TT. Unique, distinctive, unmistakably Audi: it continues to define the notion of what a sports car should be.

subset: commoncrawl


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Pennsylvania Warrant Search
If an individual has a warrant out on them, it means a judge has released a paper granting law enforcement the capacity to arrest the individual for them to be brought into court. Warrants are usually released when someone has been charged or found guilty of a criminal offence, owes penalties to the court, or is in contempt of court. Most often, Pennsylvania warrants are utilized by the police so that they can put a suspected offender behind bars after which search their property with regard to added evidence. There are various different types of warrants, depending upon the particular situation.
Pennsylvania Statewide Warrant Search System.
Online Warrant Search (Needs Registration) – https://ujsportal.pacourts.us/Secure/Warrants/Search.aspx.
Pennsylvania Warrant Search At County Level (Top Countries)
Philadelphia County – Philadelphia
Checking for Warrants – https://co.lancaster.pa.us/367/Criminal-Division
Allegheny County – Pittsburgh
Warrant Office – http://www.sheriffalleghenycounty.com/warrants.html
Montgomery County – Norristown
Active Bench Warrants Online Search – https://www.montcopa.org/1415/Active-Bench-Warrants
Bucks County – Doylestown
Search Warrants Online – https://warrants.buckscountyonline.org/default.aspx
Delaware County – Media
Sheriff's Office
201 W. Front St Media, PA 19063
Lancaster County – Lancaster
Criminal Division – https://co.lancaster.pa.us/367/Criminal-Division
Chester County – West Chester
Chester County Sheriff
201 W Market Street, Suite 1201 West Chester, PA 19382
Ph: 610-344-6850
York County – York
Warrant Division – https://yorkcountypa.gov/courts-criminal-justice/court-courtrelated-offices/sherifs-office/warrants.html
Berks County – Reading
Warrants and Fugitives Division – https://www.co.berks.pa.us/Dept/Sheriff/Pages/WarrantsandFugitivesDivision.aspx
Domestic Relations Bench Warrants List – https://www.co.berks.pa.us/Dept/Courts/DRS/Pages/Domestic%20Relations%20Bench%20Warrants.aspx
Westmoreland County – Greensburg
Westmoreland County Sheriff's Office
2 N Main St Greensburg, PA 15601
Warrant Division (724) 830-3462
Lehigh County – Allentown
Warrants Unit – https://www.allentownpa.gov/Police/Divisions-and-Units/Warrants-Unit
Luzerne County – Wilkes-Barre
Warrants Division – https://www.luzernecounty.org/547/Warrants-Division
Northampton County – Easton
Northampton County Sheriff's Department
669 Washington St, Easton, PA 18042
(610) 559-3084
Erie County – Erie
Warrant Division – https://eriecountypa.gov/departments/sheriffs-office/divisions/warrant-division/
140 W Sixth Street Room 400 Erie, PA 16501
Dauphin County – Harrisburg
Dauphin County Sheriff's Office
101 Market Street Suite 104 Harrisburg, PA 17101
(717) 780-6590
Cumberland County – Carlisle
Bench Warrant Division – https://www.ccpa.net/2229/Bench-Warrants
Warrants Division Phone: 717-240-7322
Lackawanna County – Scranton
Warrant List Online – https://www.lackawannacounty.org/index.php/departmentsagencies/public-safty/sheriffs-office/warrants
Washington County – Washington
Fugitive Warrant Unit – https://www.co.washington.pa.us/213/Fugitive-Warrant-Unit
Butler County – Butler
Butler County Sheriff
300 S Main St, Butler, PA 16001
(724) 284-5245
Beaver County – Beaver
Bench Warrants – http://www.beavercountypa.gov/Depts/Sheriff/Pages/Bench-Warrants.aspx
Monroe County – Stroudsburg
Search Active Warrants Online – http://agencies.monroecountypa.gov/warrantsearch/Default.aspx
Centre County – Bellefonte
Outstanding Bench Warrants Search – https://centrecountypa.gov/375/Outstanding-Bench-Warrants
Franklin County – Chambersburg
Franklin County Sheriff
157 Lincoln Way E, Chambersburg, PA 17201
(717) 261-3877
Schuylkill County – Pottsville
Bench Warrant Search – http://www.co.schuylkill.pa.us/info/Warrants/List.csp?OfficeCode=S
Cambria County – Ebensburg
Cambria County Sheriff's Office
200 South Center Street Ebensburg, PA 15931
(814) 472-1691
Fayette County – Uniontown
Fayette County Sheriff
61 E Main St # 1B, Uniontown, PA 15401
(724) 430-1295
Lebanon County – Lebanon
Sheriff's Office
400 S 8th St Lebanon, Pennsylvania 17042
(717) 228-4410
Blair County – Hollidaysburg
Warrant Unit – http://www.blairco.org/Dept/Sheriff/Pages/WarrantDivision.aspx
Warrant Unit Phone Number: 814-639-2383
423 Allegheny Street Hollidaysburg, PA 16648
Mercer County – Mercer
Mercer County Sheriff's Office
205 S Erie St, Mercer, PA 16137
(724) 662-6135
Lycoming County – Williamsport
Warrant Search Portal – http://warrantportal.lyco.org/
Adams County – Gettysburg
Warrants Search Online – https://adams.crimewatchpa.com/sheriff/warrants
Pennsylvania Arrest Warrant
An arrest warrant in Pennsylvania is issued by a judge or grand jury whenever law enforcement has done an investigation deciding that there is a reasonable opinion, or "probable cause", an individual broke regulation. The arrest warrant is a legal document permitting the authorities to arrest and hold a person. Normally, the individual will not be aware that an arrest warrant has been made until the time of police arrest. Law enforcement officers might make a surprise visit to an individual's home or workplace to make an arrest. The person is transferred to jail where they're imprisoned devoid of bail until they are transported to court before a judge to have an arraignment, release hearing, and other proceedings.
Pennsylvania Bench Warrant
A bench warrant is produced if someone has violated the policies of court, most often if they neglect to show up for a court hearing or to answer a subpoena. It can be made for failing to pay a fine or failure to exhibit evidence of signing up for or completing community service or other court prescribed activities. A Pennsylvania bench warrant allows the instant arrest of a person. Law enforcement officials will not commonly look around for individuals of bench warrants, and definitely will bring them in should they encounter them for other reasons.
Pennsylvania Fugitive Warrant
Fugitive Warrants in Pennsylvania also referred to as "Fugitive from Justice Warrants", are specifically generated to stop whoever has committed an offense in a different area. For example, if somebody has committed a crime in one state and made an effort to run away to another to hide out, they may have a Fugitive Warrant out there for their criminal arrest. Typically, if somebody is arrested with a Fugitive Warrant, they'll be moved back to the jurisdiction in which the transgression was perpetrated so that they can be taken to court and in the end punished.
Pennsylvania Search Warrant
As opposed to the other warrants detailed, a search warrant is not about arresting an individual or taking them in custody; rather, it is about searching for proof. By having a Search Warrant in Pennsylvania, it will be possible for law enforcement to go into plots of acreage, houses, or establishments to locate evidence which they can use in future trials. Anything that is regarded as proof can then be taken and made use of in court. Authorities are only able to search the specific location detailed on the warrant.
How to Find Out if You Have a Warrant in Pennsylvania
The government, and every individual city, state, and county government, keep their own internet site in which the general public could search its list for Pennsylvania outstanding warrants. These websites are generally updated, simple to use, at no cost, and incognito. It tends to be a popular option for people questioning if they have an outstanding warrant. Another choice to find out with regards to outstanding warrants will be to get in touch with the city, county, state, or federal office and question them.
Pennsylvania Warrant for My Arrest?
People with outstanding warrants in Pennsylvania have choices. Getting legal advice from a legal professional and turning oneself in is always the most sensible plan of action. It will reflect significantly better in the eyes of the court as compared with deciding to delay the law enforcement officials to make an arrest.


text:
Thank You very much. I will like to begin by thanking all of you who are here, because it fills us with great expectations, not hope, great expectations for Black America. There is a saying out there you know, heal a woman you heal a nation, same thing applies to men, heal a man you heal a nation. It is important to heal a man, but sometimes the obvious is not really the obvious, like why do you want to heal, why do you want to be healthy, the obvious answer might be well of course, and who wants to be sick. Who wants to have pain? Who wants to be dysfunctional? You have to understand that what motivates you to accomplish something is often greater than what you are accomplishing. You see that, I became aware of that you know, when my first son was born, and I began to think about raising this boy, and what kind of person that child will become. I say you know that's like 18—20—25 years down the road, will I be alive then. As the years go by will I have the money and the means to do that, after all was said I began to worry about things that I never ever give any taught to. Meaning that all of a sudden, I discovered a higher purpose for living, I took living for granted. Now I was living see looking 10—15—20—30 years down the road, I better be alive then, I better be resourceful then, I better, you follow what I am saying. That took on a new dimension, that child give me a higher reason for staying alive, for being financially stable and so on.
So when you think about healing and being healthy, you should think beyond just simply feeling good and having your mobility and your functions, you must thing of a higher reason. This is a holistic and by holistic I just don't want to say holistic medicine, I am talking about holistic life. Looking at life holistically, how does health, holistic health ties into your holistic view of life. Is health a part of your financial success strategy, think about it because many of you might be working your finances and you did not factor in health in there, you see that. How is health part of your marital strategy, you want to have a wife and kids, and accomplish things , but did you factor in health, you see that, you concerned about what's happening politically to us, the assault on Black people, especially Black men, by the police and white people and things of that nature and you might be a part of an action group or whatever, but did you factor health into it, and when I say factor-in health I just don't mean physical capability, and functionality. I am talking about mental ability, talent, power, physic ability, spiritual powers, is that clear to you. That's why it is holistic health, also holism in terms of living.
It is time that Black men in America begin to understand, that what is on your plate is going to impact your ability to save Black People. If every Black man when they sat down to eat understood that they are making a political statement, a financial statement, that they are making a political move, a financial move. If you understood that what is on your plate that what you are drinking will have an impact on our ability to survive and flourish as a nation, is that clear to you, that is holistic thinking. In other words, when we think about holistic medicine we think about the total person.....(Read More)


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Exciting Things at Durham NC Dentist Office – New Website, Community Involvement, and More!
Croasdaile Dental Arts is getting excited to unveil a new website! We've been working on a new site for our Durham NC dentist practice (at www.croasdailedentalarts.com) that will help patients get to know our doctors, our team, and our practice. Check back to see pictures of our team, new ways to request an appointment and learn about the dental services we offer.
Our practice welcomes you to our community – in our office and online on our website and through social media. We care about enriching our patients' lives through cutting edge dental care, as well as events like a food drive supporting Durham Rescue Mission. Croasdaile Dental Arts is collecting non-perishables from now until November 20, 2012, including:
- Pastas
- Dry cereals
- Oatmeal
- Sugar
- Canned fruits
- Canned vegetables
- Canned meats
- Soup
- Peanut butter
- Jelly
- And more!
College football is another love of ours at Croasdaile Dental Arts. Our team proudly displays their allegiances on Team Day Thursdays. It's another way we have fun at the office, while doing what we do best: helping our patients get quality dental care. Feel free to support your team's colors, especially on Thursday appointments with us!
If you have any questions regarding dental treatment, (or how you can help us give back) feel free to find us online or give us a call. We welcome you to join our Durham NC Dentist community!


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The International Special Events Society (ISES) has commissioned the second part of a research project that will explore the impact on the events industry supply chain during Summer 2012.
ISES UK published its research findings on the predicted challenges that the event supply chain would face during a busy summer. The research offered members and the wider events industry advice and information on how to position their organisations for an extremely busy summer. The second part of the research will provide 'lessons learned' from the unique supply-side experiences from hosting the Queens Diamond Jubilee, Cultural Olympiad and the Olympic & Paralympic Games. The research will aim to find out what actually happened within the supply chain and compare the findings against the pre summer industry predictions; providing future insight for the events industry.
Sponsored by staffing company Crewsaders, the research is based on a robust methodology that will utilise a comprehensive online survey as well as in-depth interviews to both ISES UK members and the wider events industry.
The findings will also aid the global events industry and the international network of ISES members on how the UK's supply chain adapted to decreasing supply-side capacities and the solutions adopted to create a successful summer of events. The findings of the research will be presented at The Special Event in Chicago in January 2013.
Participation in the survey will be of great benefit to the UK events industry. A link to the survey can be found here: https://www.surveymonkey.com/s/2LFHDH2


text:
This project consisted of finding a book that was published no later than 1980.
The book I found is called "Posters & Sign Work for Beginners" and was published
in 1939. It gives instructions and exercises for an inexperienced artist to create
engaging and stylized imagery and text for businesses, events and activities. The
goal was to transform this book in a contemporary context both in print and digital
(e-book). I completed the exercises in the book with the contemporary medium; Adobe
software. Through the e-book translation, it involved coding the pages using HTML and CSS.


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Molecular Genetics and Subcellular Localization of Flavonoid Metabolism in Arabidopsis
TR Number
Journal Title
Journal ISSN
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There are at least two models describing how the enzymes of metabolic pathways are arranged in living cells. The first is a stochastic model, where enzymes are freely-diffusing in the aqueous environment of the cell, and the second, the metabolon model, has pathway enzymes organized as enzyme complexes. Both are valid scientific hypotheses in that they make predictions that can be tested regarding pathway regulation, localization, and function. The goal of the work presented here was to test the metabolon model using the flavonoid biosynthetic pathway in Arabidopsis, which has been hypothesized to exist as a metabolic enzyme complex.
Five novel mutants of the gene encoding the first enzyme of flavonoid biosynthesis, chalcone synthase (CHS), were characterized in an effort to develop tools for investigating the organization of flavonoid metabolism in Arabidopsis. A variety of mutant CHS genotypes were identified in this allelic series, including ones that displayed both null and temperature-sensitive phenotypes, based on endproduct analysis. Characterization of protein and RNA levels indicated that the stability of the CHS enzyme was reduced in some of the mutants as compared to wild type. In several of the alleles, homodimerization of CHS was also impaired. Effects of the mutations at the amino acid level were predicted from the three-dimensional crystal structure of the highly-homologous alfalfa CHS, which indicated substitutions at diverse sites on the enzyme, including ones that may disrupt folding and/or active site function. This allelic series should provide a useful genetic resource for ongoing studies of flavonoid enzyme structure, function, and subcellular organization.
In an effort to determine the in planta location of the first two enzymes in flavonoid biosynthesis, CHS and chalcone isomerase (CHI), immunolocalization experiments were performed. Results indicate that CHS and CHI are abundant in epidermal and cortex cells of the root elongation zone and the root tip, consistent with the accumulation of flavonoid endproducts at these sites. At the subcellular level, both of these enzymes were found to localize to the endoplasmic reticulum (ER), consistent with the hypothesis that the enzymes of flavonoid biosynthesis are organized as a membrane-associated enzyme complex. Analysis of the tt7(88) mutant, which lacks the cytosolic domain of the putative 'anchor' P450 enzyme, flavonoid 3'-hydroxylase, showed an altered distribution of CHS and CHI as compared to wild type, however CHS and CHI were still found to be associated with ER. These results suggest that complex interactions occur within the flavonoid enzyme complex to mediate the subcellular distribution of its constituents. Also evident from these studies was the asymmetric distribution of CHS and CHI in cortex cells of the elongation zone, a finding that may provide clues about the physiological function of flavonoids in roots. Together, these immunolocalization data support the metabolon model for the organization of flavonoid biosynthesis in Arabidopsis.
In an effort to develop tools to investigate the in vivo dynamics of flavonoid biosynthesis, fusion proteins between CHS or CHI and the reporter, green fluorescent protein (GFP), were produced. Transient transfection assays in epidermal cells from onion root bulbs and Arabidopsis seedlings indicated that the GFP component of the fusion constructs was functional, as determined via GFP fluorescence. To investigate the spatial and temporal dynamics of these fusion proteins in all cell types, Arabidopsis plants stably transformed with the CHI-GFP fusion constructs were generated. The analysis of these transgenic plants should provide information regarding the localization and dynamics of flavonoid biosynthesis in vivo, and thereby serve to offer new insights into the function and regulation of this important plant metabolic pathway. Overall, the research presented here represents a significant contribution toward understanding how subcellular organization may be important in regulating metabolism.


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Hey cuckold, do what your cheating wife did on your wedding day? Your wife wanted that lavish wedding at the country club. It was vital for her to have a more memorable wedding than her sister's. Planning was stressful, and sex relaxes her. You expected she was cheating on you before the wedding. You assumed that to stop after the wedding, but not so much.
She hooked up with your best friend, your best man. Remember at the reception there was a time where no one could find her. When she returned with a flushed face and her hair was a mess? She was outside hooking up with your best man, but don't blame him. You know how your wife is a seductive temptress that no man can resist when she wants him. She had him on the dancefloor and then she pulled him outside. She sucked his cock, and he fucked her in her very expensive wedding dress.
That was the first time your married cheating wife cuckolded you, but not the last
Now, that the two of you have been married for a while, she has had many sexual partners, even an occasional threesome. Does she bring her lover to your house, fuck him in your bed? I bet she wears expensive lingerie for him. Do you watch? You pay for that trainer she fucks, don't you? Do you join them? I would love to hear all the details while you stroke your cock and tell them to me.
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Last updated: June 14, 2019
Kris Bartlett English Vo1January 26, 2018Prof MartinsenSmart Phones and UsIn this day and age, there's many ideas and thought behind the question if Technology connects us or if it is only a mask and really leaves us feeling more alone. I believe that It has many good uses and your able to accomplish a lot with technology but at the end of the day it will only be a mask on what really is there in life and what really matters.
First off there's a lot of great things you can do on technology nowadays and it is near impossible to do anything without the use of technology. You can pay your bills manage and check your Bank statements and balances and even if you have a problem there's some customer service representative able to answer any questions about anything right there able to be accessed by your smartphone. With mobile technology we are also able to talk and keep in touch with our friends around us and the ones far away same if family lives far from you they never really as far with a click of a button to facetime and see them. Whenever we need to learn new things or more on a certain subject all the answers are always in your pocket with the help of google and online courses and much much more. With the help of aviation technology we are able to reach different places inserted of the years of time to reach in the past. Lastly the ability to socialise somewhat find our childhood lost friends, relatives, and important events in your life.But think about how often you grab your smartphone.
"Americans check their phone on average once every 12 minutes burying their heads in their phones 80 times a day, according to new research" (NYPost). People are constantly on their phones instead of picking up the phone to call them or, better yet, making plans to go out with that person.Technology is supposed to make us feel more connected by allowing us to stay in touch by using social media sites such as Facebook,snapchat, and Twitter. But are phones getting in the way of socializing. FOMO stands for fear of missing out. And this is what people are getting from thinking that if there not on there phones that they will miss out on things that are happening. But if you don't check your Twitter or Facebook every 10 minutes are you really missing out? The average person has become so dependent on knowing exactly what is going on in other people's lives and wanted to know others business without actually talking to them and getting to know them. We should be focusing on our own lives and and relationships with people.
This is why the technology is making us feel more alone. Because we as a society has become so dependent on checking what's new with people every ten minutes and knowing all of the useless information about others lives that be are actually digging ourselves a deeper hole of loneliness and that people don't want to reach out and talk face to face they just are going to want to see that post or comment.There are other ways technology has its good as well such as Transportation. Before the advancements in technology the average person depended on walking or using animals to get from place to place. Over time and more and more advancements to technology it was made possible to transport people and goods long distances with little effort and in a fairly short period of time rather than how long it would have taken if you walked or on horseback.
From the bicycles to cars to today's motorcycles, cars, planes, and ships, transportation has been completely transformed by technology. Another great use of the technology is if you Imagine a world where even the most dangerous and tedious tasks were performed by human hands and daily things such as doing laundry was done with physical labor. The modern technology has made manufacturing much easier and has created more time for individuals and families in doing those tasks why technology to dishes, laundry, and cooking.But overall the Phones and Technology is making the average person feel more alone because everyone has a phone and instead of paying attention to the world they pay attention to their phone with the useless information.
The really bad part of having a phone is that once you have it you become addicted you won't really be able to pay attention to anything else and get off of it. Personally I believe this is bad thing more than a good thing.I tell and encourage people around me that they should put the phone down for even for ten minutes just ten minutes and i bet them that they would see or do something they wouldn't be able to because they would have been on there phones.


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LiveU, the leader in live video streaming and remote production solutions, today announced its new native 5G compact video transmission solution, the LU300S, for dynamic live coverage on-the-go, enabling producers to leave no global or local event uncovered. Featuring the latest bonded encoding technology, the LU300S reliably transmits up to 4K 10-bit HDR high-quality video over 5G networks for a superior viewing experience, while keeping production costs low.
In the fast-paced production industry, reliability and flexibility are key when covering live events. Based on LiveU's proven LRT™ (LiveU Reliable Transport) technology, the unit offers broadcast-quality video streams with support for up to six IP connections, including four 5G/4G cellular connections, WiFi and LAN – ensuring reliability even in low cellular coverage areas. Producers can be flexible with their resources with LU300S's small size (weighing just over 2 lb/900 g), easy operation, and carrying options (camera mount, cross-shoulder pack and belt pack) freeing up field crews to focus on the story and get the best coverage possible, from every angle. With a simple set-up, the unit can be managed both remotely from the convenience of the production control center, and locally by the field crews via the unit's intuitive interface, as part of a cost-effective remote production (REMI) workflow. Designed for high-intensity environments, the LU300S has a ruggedized design with everything needed to go live.
Samuel Wasserman, CEO and Co-founder, LiveU said, "Once again, LiveU brings technological innovation to a small-sized transmission solution. We have seen how the flexibility of the LU300 has enabled customers to boost viewer engagement for a wide variety of sports, entertainment and other live events. This brand-new offering encompasses the latest developments in 5G, 4K 10-bit HDR video quality, and HEVC encoding for even higher-level productions. Providing built-in 5G support, the LU300S delivers the highest bandwidth and ultra-low latency. The industry's most popular field unit, the LU300, has already proved itself in extreme use cases around the world, such as motorsport and airborne firefighting services, and we're excited to see the incredible new opportunities opening up with the LU300S."
Supporting LiveU's move to the cloud, the LU300S integrates seamlessly within a cloud production ecosystem. Users can reliably capture live streams with the LU300S in the field and transmit the feeds to LiveU's Matrix IP management and distribution solution.
Enabling richer video and audio productions, the LU300S offers up to 4Kp60 10-bit HDR transmission over 12G-SDI or HDMI for optimal color depth and richness, and up to eight audio channels. With dual-SIM support, the unit turns easily into a hybrid local/roaming unit for newsgathering on-the-go.
LiveU's end-to-end cloud-based solutions, including the LU300S, will be on display at NAB in Las Vegas. For more info, visit: https://get.liveu.tv/nab-2022/.


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Imaginative Creative Explorers: that's the name the first group of campers came up with 17 years ago when TBAWP's youth programs began.
I.C.E. is a unique camp. There may be other Creative Writing camps, but our model is wholly original (no really, we've been to conferences! We're one-of-a-kind.) I.C.E. is open to students going into third grade all the way up to students going into their senior year of High School. It is our mission to provide camps that are fun, offer new experiences and present opportunities to build new friendships. I.C.E. Writers' Camp was created to provide an environment in which writers feel safe to explore their abilities and receive feedback on the writing process from their peers and Tampa Bay Area Writing Project Consultants. Please note that this is not a remedial camp; rather it is fast-paced and vigorous with lessons that are in-depth and challenging.
Each session is two weeks long, Monday-Friday from 9:00 AM to 3:00 PM. Tuition is $400. Every camper will receive a t-shirt, a copy of the anthology, and a renewed love of writing.


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Integrating Legacy Time Clock Data
Is there a way to keep what you have?
Yes, there is. You might have a large number of time clocks at many locations, and they work fine. You might have a home-grown system that collects project and hours data, and it's doing a good job. You might be consolidating this data into your own database and it's also working well. But your time and attendance software is not, or a software vendor has hit you with an upgrade or maintenance fee that is making you choke. Pacific Timesheet legacy integration solutions can help.
Benefits Of This Integration
- Supervisors can check attendance performance using tablets on the plant floor
- Supervisors and foremen can check attendance in the field
- Time clock data can be integrated with payroll
- https://www.pacifictimesheet.com//fast.wistia.net/embed/iframe/47hb3bdrm3?popover=true
Case 1:
Large Installed Base of Time Clocks
Pacific Timesheet can integrate your time clock, gate log or access control data feeds into our system in real time. The benefits are many:
- Multiple integration options:Multiple data format and web services integration options allow you to integrate your time clock data with Pacific Timesheet in one step.
- Multiple sites supported: Our integration connectors and tools allow you to integrate multiple sites in near real time.
- We can fill in holes: Pacific Timesheet can replace damaged time clocks with its own solutions, or install new time clocks in new facilities or locations
Case 2: Multiple Non-integrated Timesheet Software Systems
Pacific Timesheet can integrate many separate timesheet software systems into our system in real time. There are a few important reasons to do this:
- Acquisition of new divisions: You might have acquired new divisions using time tracking software in office or plant locations that are working well.
- Already Existing Systems: You might have a new directive from senior management to consolidate for reporting purposes data from many different systems into one integrated system.


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Nick Crombie
BM BS (Notts) Specialist Anaesthetist (GMC 4647052)
BM BS (Notts)
Specialist Register for Anaesthetics
Dr Nick Crombie is a consultant anaesthetist at the Queen Elizabeth Hospital in Birmingham where he specialises in major trauma and complex head and neck surgery.
Having qualified from Nottingham University Medical School, Nick trained in the West Midlands gaining both the Fellowship of the Royal College of Anaesthetists and the Fellowship in Immediate Medical Care of the Royal College of Surgeons (Edinburgh). Nick is an experienced air ambulance doctor and has been the Medical Director of Midlands Air Ambulance for six years. Nick is also involved in research in prehospital medicine.
As a highly experienced hospital anaesthetist, Dr Crombie offers a deeper level sedation for nervous patients that need it and has a wide ranging cocktail of medications and equipment at his disposal to achieve the sedation, monitoring and recovery required to meet every patient's individual needs.< BACK TO TEAM


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Know More
We are in need of Silicon scrap on a regular basis. We can import 4 to 5 containers of around 200 to 300 tons of silicon scrap. Metal scrap suppliers, who can provide silicon scrap on a regular basis, kindly contact us with existing stock you have.
Once we get accurate quality silicon scrap from metal scrap suppliers, we can extend our purchase on a regular basis. We are expecting genuine replies from metal scrap suppliers from all around, with all the details as well as scrap images.


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This map of Layton Lake District shows the best locations to hunt and what animals you'll find there. Have a look and you'll know where to hunt if you want to hunt certain species or want to find an overall hotspot for animals.
Other The Hunter: COTW Guides:
- Outpost Locations at Hirschfelden Map.
- Outpost Locations at Layton Lake District Map.
- Gameplay Tips.
- Where to Shoot?
Locations with good animal population are encircled by a yellow line on the map. These spots often have a good view and feature several need zones.
There are colored circles on the border of the yellow lines showing what animals are most common over there. These can be big (very common) or small (common). Check the legend at the bottom of the map to find out what color represent each species. The very best spots are marked by a yellow star, usually you'll find plenty of animals over there.
Important Note: Animals roam in other locations too and it's possible that you find other species (less common) in a location than shown. But overall this should give you a good impression. Let me know if you have any remarks or improvements.
Layton Lake District Map
Updated after the release of white-tailed jackrabbit. Apart from the addition of the jackrabbits, the locations of other animals have changed as well (mostly Moose).
Hirschfelden Hunting Reserve Map
The best locations for Canada Geese are around open fields, so the east half of the map including Schönfeldt.


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Münstermann has supplied various filter systems for a customer in the chemical industry (plastics production) in the past few years.
All filters have been dimensioned for throughputs of 10,000 to 50,000 m3/h. Various extraction points are de-dusted at which rubber dust and zinc stearate dust occurs. All filter units are designed in the ATEX version for the Ex-zones 21 and 22. Along with the relief of pressure by means of burst discs in the filter housings explosion diverters and non-return valves are employed. The filters are produced in the SK36-version each with 4.5 metres of piping.
The final expansion stage has been planned and installed together with the Engineering Office I & H Franke.


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You are here: Reference > JavaScript > client-side > event handling > methods > bubbleEvent (external)
bubbleEvent method (external)
Dispatches the current standard event from a Scriptlet Component to the browser window.
This method is only supported by Scriptlets and cannot be used in HTML applications. If you need to dispatch an event in HTML, use the dispatchEvent method.
You can find the related objects in the Supported by objects section below.
Return value:
This method has no return value.
Supported by objects:
Related pages:
External links:
User Contributed Comments


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Wondercool Eyelet Short Sleeve Bodysuit 2 PackAdd to Wish List
Comfy bubs sleep better, so we've added X-Temp body cooling technology to our well-loved baby bodysuits range. This soft and stretchy short sleeve Wondercool Eyelet Bodysuit 2 Pack features innovative heat-responsive fabric to help summer sweeties stay cool and sleep well.
- Wondercool eyelet summer baby bodysuit in a handy 2 pack
- Soft and stretchy Aussie cotton with thermal cooling technology
- Press studs for easy changing
- Red Nose-approved for safer sleep
Fire hazard classification according to AS/NZS 1249:2014: Caution label on Size 3 & Above
Material: Main: Cotton (Australian) / Nylon / Elastane (Exclusive Of Trims).
Manufactured In: China
Product Code: BX3LA_24K
Buy Online, Return In Store - You can return all orders (including online orders)to your nearest Bonds stores (including Bonds, Bonds Kids and Bonds Outlet Stores but excluding Bonds Clearance Stores).
Want to return your item in store? Not a problem, let's get started. - In Store Return Check
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Fire hazard classification according to AS/NZS 1249:2014: Caution label on Size 3 & Above


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In my last post about clarity, I'd get back to "negative clarity". Now, despite the firm protests of my students on the last Oregon photo workshop I gave, negative clarity does not require the use of fine California vintages. Instead it's a feature, introduced by Adobe in Lightroom 2 and Adobe Camera Raw, that allows the strength of the clarity effect to be negative as well as positive, and the visual effect of negative clarity is both interesting and occasionally quite useful. In this post, I'll talk a bit more about it but also suggest an interesting application or two.
Now, the classic example of negative clarity is it's use in soft, "feminine" portraits, where it often acts as a sort of digital makeup, reducing the visibility of wrinkles and creating a sort of soft glow on the face. I've applied it to an image of my own face up above, gently painting in the effect on my face but leaving my hair and the background out of the effected area. Lightroom also provides a more specific "soften skin" effect for the local adjustment brush, if you look closely it simply dials in about 1 part sharpening for every 4 parts negative clarity. It's a good idea, using too much negative clarity on the skin (or anything else) quickly creates a plastic sort of effect, a little bit of sharpening can let you push the effect a little harder before it starts looking unreal.
Similarly, negative clarity can be fairly easily used to create a moderate "romantic' feel to other images, flower and garden images, children and pets, although it's difficult to do much of this without the image screaming cliché.
Still, there are a few places I've found interesting applications of the effect, partiucularly when used locally and judiciously. Locally, it does a nice job of softening and deemphasizing (without removing) texture in older patches of snow, as well as in the highlights in waterfalls. In waterfalls, a bit of softening the water but not any surrounding rocks can increase the conceptual contrast between "soft" and "hard", you can also use regular positive clarity on the rocks to push this even farther.
Besides that "plastic-like" effect I described, the other place where you'll start seeing artifacts from "too much clarity" will often be in highlights near shadow areas, you'll sse a halo or glow extending into those shadows from the highlight pretty easily even at moderate negative clarity settings. While this can be a problem, in critiquing a student image during a recent workshop I reviewed an beautiful image taken in the shade of a large seastack, and was only disappointed by a completely burnt-out area from the sky, the composition didn't lend itself to cropping away the moderately-sized blank area. I suggested experimenting with adding some local negative clarity to just that section of the image, and in the context of that image, the glow "worked", giving life to what would have been a blank area of white.
A final caution–it's easy to go overboard and not notice at first. As with many effects, I'll often dial a setting in, then take a moment or two to walk away from the image and come back to it, negative clarity is a lot like cologne, too much is a lot worse than too little!


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Welcome to the lab, Jonathon Muncie and Allison Drain, both joining us from the UC-Berkeley/UCSF Bioengineering Joint Graduate Group!
Export 6 results:Author Title Type [ Year]
Filters: Keyword is Cell Transformation, Neoplastic and Author is Paszek, Matthew J [Clear All Filters]
The tension mounts: mechanics meets morphogenesis and malignancy.. J Mammary Gland Biol Neoplasia. 9(4):325-42.. 2004.


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Insurance Needs Assessment: For Empty Nesters and Retirees
What you need to know.
With the children now out of the house, financial priorities become more focused on preparing for retirement. At this stage, you may very likely be at the height of your earning power and fast approaching peak savings as you lay the groundwork for retirement. During this final leg to retirement—and throughout your retirement period—wealth protection is critical.
The preservation of your assets may not be solely a function of your investment strategy, but may include a comprehensive insurance approach to protect you against an array of financial risks, most especially health care.
In addition to wealth protection, you can also now be seriously contemplating a number of important estate and legacy objectives.
Even though your mortgage may be paid off—and thus released of the lender's requirement to have homeowners insurance—it remains important to consider coverage against property loss and exposure to personal liability. Now is an ideal time to review your policy as the cost of replacing your home and the belongings contained therein may have grown over the years.
Also, consider an umbrella policy, which is designed to help protect against the financial risk of personal liability.
There are several key health insurance issues facing empty nesters and retirees.
If you retire prior to age 65 when Medicare coverage is set to begin, you will need coverage to bridge the gap between when you retire and when you turn 65. If your spouse continues to work, you may want to consider getting yourself added to his or her plan, though you may need to wait until the employer's annual enrollment period.
Alternatively, you also may purchase coverage through a private insurer or through HealthCare.gov (or your state's program, if available).
Once you enroll in Medicare, you should consider purchasing Part D of Medicare, the Medicare Prescription Drug Plan, which can help you save money on prescriptions.
Additionally, you may want to consider other Medigap insurance, which is designed to pay for medical care not covered by Medicare. Medigap plans are bought through private insurance companies and best purchased within the first six months of turning age 65 in an effort to get the best price and the most choices.
This coverage may continue until you retire. When you stop working, you should consider canceling your disability insurance as the need for it has expired.
The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation.
The financial obligations that drove your life insurance needs while you were raising a family may have evaporated. However, you may find new needs arising from estate issues, such as liquidity, creating a legacy, etc.
Several factors will affect the cost and availability of life insurance, including age, health and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.
Extended Care
For some, extended care insurance is a priority in this stage of life. With the expense of children in the rearview mirror, you can now turn your focus to buying protection against potentially the most significant health-care expense you are likely to face in retirement.
Designed to pay for chronic, long-lasting illnesses and regular care, whether in-home or at a nursing home, extended care insurance coverage is critically important since most of these costs are not covered by Medicare.
Glad M. Perez may be reached at firstname.lastname@example.com or 908.333.0885.


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There is more than one reason why we are such big fans of T-shirt bras here at Cosabella: they give ultra-smooth look by fitting like a second skin, they are invisible under t-shirts and most importantly they are comfortable. The T-shirt bra is one bra that every woman should own; however, most T-shirt bra complaints come from the esthetics department, with women claiming that they are not sexy enough. Keeping that in mind, Cosabella was determined to bring its followers a sexy rendition of this wardrobe staple, adding mesh, lace or scalloped embroidered edges to sexier and more appealing designs. Here are some of our most popular styles.
Cosabella's newest T-shirt bra the Never Say Never Comfie T Bra- Designed for wearing with your favorite t-shirts for maximum comfort and coverage, this contour bra will deliver that and more. Breathable cups and lace. In Black, Blush and White.
Comfie T Bra available at these retailers:


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'Deadliest Catch' star gets probation for spitting on Uber driver
06/29/2018 4:42 am PDT
via KCPQ:
SEATTLE, Wash. -- (KCPQ) -- Celebrity crab-boat captain Sig Hansen was sentenced Thursday to probation for spitting on an Uber driver last year in Seattle.
The Seattle Times reports the 52-year-old "Deadliest Catch" star on Thursday was given a deferred sentence, ordered to undergo alcohol treatment and put on a year of probation.
The punishment lined up with what prosecutors recommended under a plea deal with the reality TV star in which he pleaded guilty to assaulting Waheed Lawal.
A judge handed down the sentence after learning that Hansen agreed to outpatient treatment and to abstain from drug and alcohol use for a year.
Hansen, who lives north of Seattle, was accused in May 2017 of spitting on the driver and denting his car after learning he couldn't pay cash for his family's ride home.
FULL STORY: 'Deadliest Catch' star gets probation for spitting on Uber driver - KCPQ


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Easter is once again here and in the spirit of the season I want to sincerely wish all my readers, that are celebrating, a happy Easter indeed! Easter is definitely the bedrock of Christianity as it marks the glorious event of God's great love to mankind.
As you celebrate my prayer for you is that may the power that raised up Christ Jesus from the dead work mightily in you as you work to fulfill your dreams online!
I have never really being religious in my posts in this blog but in the spirit of this Easter season, I want to relay a story that was a great inspiration to me. It definitely shows that the power of the glorious gospel of Jesus is still available today if only we will put it to use.
I've just read a story of one Patrick Greene, a die-hard atheist who a few months ago threatened to wage a legal war against the nativity scene in Henderson County in Athens, Texas.
Greene previously threatened to sue if the nativity scene was again erected on public land "to show that Christianity does not rule my state of Texas, the Constitution does. Christianity is only one of the many faiths represented in this state." but now this same Greene has turned a Christian!
This is really a dramatic conversion that could be likened to that of Paul in the Bible. Paul who once was an oppressor of the Christian faith later became the most vibrant Apostle ever. However, while Paul's conversion came about by the intervention of the Lord Himself, Greene's resulted from the Christ-like action of the believers in Athens.
The report shows that while Patrick Greene was threatening with his law suit, he discovered that he was suffering from a serious eye condition that could lead to blindness as reported by the Friendly Atheist. The Christians in Athens on knowing of his situation rallied round and raised fund for him. At the end they were able to offer him $400 for groceries and other needs.
This simple act of kindness, which of course is a response to the commandment of the Lord to never retaliate a wrong but forgive those who wrong you and to pray for those who despitefully use you, caused Greene to re-think his atheistic inclinations.
Today Greene is not only a believer in the Lord Jesus Christ but the report indicates that he is considering going into Ministry. Hallelujah!
As you celebrate this Easter I think this is really a story that should inspire you. You may have recounted how the Lord Jesus prayed for those who were nailing Him to the cross on Good Friday. But do you remember that He has commanded us to do likewise?
Let the story of these Christians in Athens, Texas, once again remind you of the Lord's command. Live out the Easter life in everything you do. He rose that we may live a new life in Him. To Him be the glory.
Over to you: I don't know your faith but if this story in any way touches you, share your thoughts in the comment below.


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Taking the various headings of the conference sessions one by one:
1. As to insurance
Some types of discrimination between groups in society are presently forbidden to providers of insurance products, for example discrimination based on gender or race. Others are allowed, for example discrimination in the calculation of car insurance premiums based on age – young/old.
For health insurance, discrimination based on risky behaviour – smoking – is allowed, but equally, there is no regulatory barrier to discrimination based on genetic inheritance, or chronic health conditions.
FinTech and Big Data raises the possibility that new algorithms for calculating insurance risk will be introduced. In particular, these algorithms could be based at least partially on measured behaviour, either indirectly through data captured from other sources such as social media, or directly using data captured from a direct, real-time monitoring of behaviour for example from a black box installed in a vehicle.
Of course, for vehicle insurance, there is already a bonus/malus system in widespread use, whereby a track record of claims determines ex post conditions of access to insurance. With real time monitoring of behaviour, conditions of access to insurance could, theoretically, be determined by the reality of behaviour on a continuous rather than ex post basis – something that could be favourable, for example, for a young driver who drives prudently and well. Pay as you go premiums in other words.
Similar developments might be imagined for health insurance – based for example on the monitoring of life-styles, risky or prudent.
Would consumers be ready to accept direct or indirect monitoring of their behaviour in exchange for better conditions from insurance providers? Would they be taking such decisions in full knowledge and understanding of the implications? How could they make price comparisons with offers made to other consumers?
Would insurance providers be able to manage the complexity of such a detailed segmentation of insurance markets? Would the erosion of the pooling of risks this implies undermine their business model since even the most sophisticated of profiling and monitoring tools can and will give false results in individual cases?
Would the development of such algorithms risk creating new kinds of unacceptable financial exclusion since algorithms may reflect the sub-conscious prejudices of their creators or sponsors and not only objective realities. Should regulators be tasked with checking and approving such algorithms – with what staff, with what expertise? And against what standards – what types of discrimination are acceptable, and which are not?
So many questions, so few answers. But the good news perhaps, is that rapid change in the market for insurance products is thought unlikely. The impact of FinTech is likely to be mostly on the trading of risks within the financial sector, rather than on the interface between the insurance provider and the consumer.
Moreover, cross border marketing, and hence international competition for the provision of insurance products, is held back by the very different cost structures and legal systems in different countries.
One clear positive might be the introduction of artificial intelligence (AI) systems for giving advice to consumers on offers available in the market and their suitability for each consumer's specific requirements. Potentially, if well designed and genuinely independent of commercial interests, these could be more efficient and trust-worthy than human beings. But again, should there be some regulatory system for verifying this is genuinely the case, and who would do such a job?
Last but not least, what does all this imply for the future role of government as the insurance provider of last resort, or even first resort – for health risks, and for some life events such as divorce, unemployment? Private insurance providers can only be expected to offer coverage for certain categories and types of risk. After all, some types of risk coverage almost inevitably increase the hazard of the risk occurring, and that is an issue that can only be settled by moral and social choices in society.
2. As to payment services, transactions and transfers.
Access to payment services, and transaction and transfer services, is a fundamental need for all citizens in a "low cash" environment. While a completely cash free society seems unlikely and undesirable, access to electronic services is already a basic requirement to lead a normal life, or even access to social security benefits. From this perspective, the right to a basic banking account and related services as it will be established under PSD 2 is an important reform, whose practical application in every Member State of the European Union needs to be closely monitored.
FinTech offers a perspective of further progress in two respects. First the rapid spread of low cost electronic payment and related banking services is of clear potential benefit to consumers. Secondly, FinTech is opening up the possibility of greater competition for transfers and remittances to third countries, of particular benefit to migrants for example, who currently pay high fees in many cases. The regulator could do more to facilitate these developments, in particular by acting to prevent oligopolistic practices obstructing new market entrants, or which prevent cross border access to new providers in the jurisdiction of another country.
The impact of FinTech is both immediate and profound on the traditional providers of banking services. The accelerating closure of bank agencies, and the likely decline in the number of ATMs, impacts especially on rural areas and deprived communities. This creates new forms of exclusion for the populations concerned, and in general, for those who are not digitally literate, or have special needs (poor eye-sight for example), or who prefer not to use electronic services for whatever reason. Is this a matter on which the regulator should intervene, so as to preserve a universal service that is accessible to all groups in society? Traditionally, post office banking has had a social role as well as a commercial role, but privatization tends to privilege the latter.
3. As to credit.
Of course, credit should not be treated as a permanent top-up to an insufficient income so as to enable a normal life. It should be a temporary measure to smooth out over time affordable purchases, or to meet temporary unforeseen circumstances. In an ideal world, individuals and households would be in a position to accumulate savings equivalent to at least three months income, so as to be able to minimize the need for recourse to credit except for major purchases such as housing and possibly, a new car.
FinTech combined with big data offers the possibility of better algorithms for assessing the credit-worthiness of solvent households, based once again on the reality of behaviour rather than on categories of clients. For example, recent records of financial behaviour for example bank statements during the previous three months, are said to be rather reliable measures of credit-worthiness. This could be helpful for those who do not have an established credit history for whatever reason, or who find themselves in a generalized "at risk" category despite their individual behaviour.
Also, making available "apps" to consumers that give them an opportunity to assess for themselves their capacity to borrow, and to better understand what determines their creditworthiness and maybe adapt their behaviour accordingly, could be helpful to all concerned.
However, FinTech and Big Data also bring with them the risk that unscrupulous lenders could target more effectively vulnerable consumers, and so expand still more the market for high cost, or worse, toxic forms of lending.
Given that regulators have been, in many countries, unwilling to act vigorously to suppress usury, this risk must be considered serious. Universally, the poor and vulnerable pay more for credit than those whose needs are less. Should government in partnership with alternative providers do more, if the business case for providing fair and affordable loans to this market is not demonstrated?
Another concern is the widening scope of data on life-styles collected by credit rating agencies. Are these agencies collecting only data demonstrably relevant to assessing credit-worthiness, or are they increasingly engaged in comprehensive data mining for other purposes, such as marketing ideas and products in general? There are many calls for more transparency about their activities, for a right to challenge their assessments of credit rating without risking penalties, for a right to live off-line without being penalized when seeking credit. And of course, for better guarantees that data is kept safe. This is not so much an issue of FinTech as such, as a question of who collects and who owns big data, and for what purposes, and with what consent from those concerned.
Across Member States, the types of data collected and the criteria used to establish credit-ratings are quite different. There is no established orthodoxy as to the type of data it is relevant to collect. It would be attractive if, at a European level, a process could be started to build a consensus around what is genuinely needed, and what is not, and on that basis, to regulate the types of data that credit rating agencies are licensed to collect. A fundamental principle should always be, only collect what is strictly needed for the declared purpose.
The issue becomes even more important as the "internet of things" develops, and a new source of data about personal life-styles becomes available. What do you have in your fridge – does this suggest a healthy life-style?
Finally, in the modern world, there is a proliferation of new credit providers, including in particular, retailers. Access to credit is used as a means of capturing consumers. The business model is not to provide a service to a consumer, but rather as a tool for companies to segment markets and control consumer loyalties. Insufficiently regulated, competitive pressures amongst retailers lead to unsustainable credit offers and a new generation of over-indebted households.
In conclusion:
Not surprisingly, there are more questions than answers. Perhaps it is more important at this stage to be asking the right questions and collecting the right data to assess the reality of problems. It is arguably premature to be looking already for the right solutions, except in those cases where the issues are the most evident and urgent.
Another way to analyze the question is to look at the impact of FinTech and Big Data on specific groups:
- people who are not earning enough income to live a normal life in the society to which they belong. The solution has to be access to a sufficient income, not dependency on credit as a substitute;
- people just about managing who have no savings (such as young families). The best solution is to help households achieve a modest saving potential to reduce their need to call on credit, as well as ensuring access to affordable credit when needed. Is FinTech commercially motivated to play a role?
- people in unstable employment. Can Fintech and Big Data better take into account their prospects over time and provide temporary solutions in a more attractive form, for example within mortgage or pension schemes?
- people with special needs. Cross border marketing might help by creating larger groups of clients and hence a stronger business case for providing tailor-made solutions including by the design of universal services;
- workers mobile across borders and migrants. FinTech can help by increasing competition and reducing the costs of remittances, and by facilitating access to financial services including credit where there is no established credit history in the country concerned;
- finally people without a data profile. What will be the future for them?
At the time of writing of this newsletter, contributions have not been published on-line.
[This page was originally published on www.fininc.eu. To learn more about the transfer of EFIN's activities to Finance Watch, read our press release]
It was a wide-ranging debate in which much was said not least about big data, the right to privacy, and the reality or otherwise of consents given by consumers. But what can be concluded in relation to the specific issue in the title of the conference?CEPS - Place du Congrès, 1 – 1000 Brussels Finance Watch email@example.com aDFdtugMkzeEXUhHCmVG49806


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When it comes to parties and raving, Frankfurt is the top city in Frankfurt. Everyone who wants to taste the clubbing and having fun in Europe indeed stops in Frankfurt. The city if the heart of Europe and defines the cultures. We mean all the cultures – old and modern. You'll see places in old design meanwhile Frankfurt clubs that have a modern soul.
Even small night clubs are compelling at night. If you would love to have fun in Frankfurt, then night clubbing is the main point for you. Whether it's rainy or cloudy, night club will give you the best memory from Frankfurt.
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Night clubs in Frankfurt
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The Cave – You should miss this chance, Cave is one of the biggest night clubs in Europe. After Berghaim and Bassian, we should admit that Cave has another level of fame. European DJs rock the hall for the whole night, and you feel better into this existence. The cave would give you a great impression on Frankfurt and German people as a whole.


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Ocean Lovers & Surfers… For some, summer is that time of year when you think of glorious beach days and surfers riding all the waves. I personally don't surf but I think it might make it on my bucket list. However, I do know people who surf. I am not sure how big the surfing community is here in Cayman, but nonetheless avid surfers are able to find places to surf here. I would make a bet that most of those who love to surf are ocean lovers and with that love for the ocean when given the option to, they would choose to buy eco friendly surfboards. They are in luck! There are some surfboard manufacturers and/or companies that make surfboards out of recycled materials or eco friendly materials which is awesome! Check out Ocean Green Eco Friendly Surfboards
There are other ways to be an eco surfer such as:
1) When your surfboard breaks, donate it to a recycling company which can repurpose the broken surfboard into building materials.
2) If you have a surfboard that you no longer use consider turning it into eco art. Convert it into a one-of-a-kind coffee table or display it as an art piece on a wall.
So enjoy the waves this summer and keep on loving the ocean.
From one ocean lover to another xo


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When Chickens Turn Bad
Now I love chickens as much as the next man. Not in a creepy way; I don't have knitwear with pictures of chickens on them or even any amusing chicken ornaments. But as you know, I've put a lot of effort into building the Celestial Coop and optional run, so much so that it's starting to resemble Gormenghast.
That's ok because the Ladies Who Lay have been delivering the goods. Unfortunately and with great sadness, I have to say that one of them has Turned Bad.
I understand why and of course I'm sympathetic. Every one of them has come from a broken home. They've had their beaks trimmed so they have a hint of platypus duck to them and that can't be easy to live with. Some bastard keeps nicking their eggs and then locking them inside when all they want to do is be outside pulling up the grass. However, three of them have risen above those tough beginnings and have grown into fine, compassionate lady fowl.
The fourth, let's affectionately call her "B" after her namesake of Prisoner Cell Block H fame, is still working through some issues. She's moody and carrying a little extra weight over her sister chickens. She's loud-beaked and likes to be first into everywhere. If she were a person, I could imagine an extensive wardrobe of dungarees and numerous headscarves with offensive prints. But without a doubt, she's the top lady. The Big Clucker With A Grudge.
In hindsight, placing our three little chickens into that dysfunctional family was an error. Harvey, Custard and Sunshine had, up to then, led a fairly idyllic life. Plenty of organic food, as much wood shavings as they could kick and scratch across the floor. No cleaning up and round-the-clock protection from cats and other 2 year old predator boys. In that environment, Harvey was growing into a loveable yet rebellious teenager, his cock-swagger developing nicely like any other east-London wide-boy.
But then he met B and the reign of terror began almost immediately. Her mad unblinking eye barely left him as we carefully introduced the two little flocks. In fairness to Harvey, she's three times bigger than him and has very little in the way of a sense of humour. So I didn't hold it against him when he hid behind the bale of straw with Custard and Sunshine. I mean, if I met a mad chicken that was three times my size and looked like she wanted to eat me, I'd probably look for a handy place to hide too.
We were careful for the first few days to never leave the two flocks together alone even though I kept making novice statements like:
"Ah, they'll work it out."
"They have to be let out sooner or later."
"They're fairly stupid, they'll probably not even notice them."
We confined the chicks to the Celestial Coop during the days and the Ladies were booted into the Run. Perhaps that led to some bad feeling, who knows? But as I kept saying, "sooner or later" they had to meet and of course the first to explore the Run was Harvey. Unfortunately, while she is certainly not a Mensa candidate, B did notice him.
There's no other way to explain what happened next, except to say Harvey got bitch slapped. He took ten of the best, trousers down. B gave him a spanking he's unlikely to forget and showed about as much mercy as Arnie in The Terminator.
She pecked his head until the skin burst open on his neck. You'd think that would have been enough, but no. B proceed to peck until the skin peeled away to expose the whole back of his neck. The pain must have been excruciating. I found him squeezed up against the Run's door. His head was tucked so far under his body to hide from the assault that at first I thought she'd eaten it.
Honestly, I thought he might have been better off dead because the wound wasn't something I could see him surviving. After I got him home, Emma bathed it, cradled him for a few hours and then slathered antiseptic cream on it.
We don't have much in the way of private medical coverage here, but after surviving that first night, Emma has done her best to make sure Harvey gets the full BUPA treatment. He has a private room with full-height window, gets his backside cleaned twice daily of any chickeny mess, has fresh food and water hand-delivered on saucers and is positioned in the kitchen so he doesn't get lonely. Each evening he gets to lay on a towel on the sofa and watch TV for an hour. He's even had a boiled egg which — before you start complaining about us turning him into a cannibal or creating a living incubator for Mad Avian Disease — we made sure came from B so that's fair justice to my mind.
All in all, Harvey is doing alright out of his misfortune. Certainly better than his chicken sisters who are now in secure confinement inside the Celestial Coop, having to watch in terror as B paces the perimeter of their cage, ceaselessly searching for some chink in the defences.
The situation can't continue. So, I'm starting Charlie Ark tomorrow. It'll be a bit like a minimum security prison. Not so big and imposing as the Celestial Coop. A snug portable home for three small chickens where they can live free from the terror of B and her inexplicable ability to make her face disappear to avoid photos.


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