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French Camp, CA Whole Life Insurance Quotes
Are you looking for affordable whole life insurance in French Camp, CA? We can help you compare the best options. Enter your zip code at the top of the page and browse through California whole life insurance providers. Comparing quotes is the most effective way to lower your whole insurance premium in San Joaquin county.One of the most expensive forms of insurance is whole life and this is due to the fact of the cash value that it builds over time. What separates whole life insurance from others is that it lasts as long as you are alive and making payments. Whole life insurance is also more expensive due to the fact that the benefits must be paid in full at the time of the death.
One of the easiest ways to get French Camp, CA whole life insurance quotes is to use any number of the sites online. This will allow you seek out several quotes and see which one suits your specific needs. As you search online you will be able to read about the specific policies the company has available as well as get a free quote. You should seek out at least three quotes in order to find the best rates and plans that are available.
The death benefit that you choose in your policy is never going to change nor will the payments ever go up. However, if you decide to change or renew your policy at any time, you may have to pay a higher monthly premium due to an older age. This is one of the reasons it is important to take your time and really study several policies.
You want to consider what you family is going to need once you are gone. Think of how much money your family needs to survive now. Look at the various bills and cost of living as well as what would happen with the loss of an income. The total amount of the benefits that are to be paid after your death is one of the factors that determines the price of insurance that you are quoted. Of course, age, health, and occupation will also paly an important role in the quote as well.You should look at French Camp life insurance as early as possible as the cost will be much lower. This will also help at later stages of life when you will not have to budget out for the premiums as they will already be paid off. This money can also be borrowed against as it has already been built up into the policy. This is all the benefits of having a policy early and does not affect the price of the quote.
There are a few things you will want to consider when looking at various life insurance quotes in French Camp, CA. We hope that this article will allow you to make the best decision when providing for your family after you are gone. It is the last act you can do that will allow them to live the life they have become accustomed to.
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Getting lifestyle insurance policy can be difficult. You know you want to have ample to support out individuals still left driving if something would come about, just in scenario. But how considerably do you require? How considerably can you afford? Which variety ought to you get? Go through this report and you will discover seem advice that will help you navigate these murky waters.
Lifestyle insurance coverage will assist out your beloved types that are left behind if you go away. Funerals these days are expensive, and if you have daily life insurance coverage, it is not going to leave the ones that are nonetheless dwelling an astronomical bill to spend. It can also assist pay out for your children's higher education, if you are not about to do so.
It may be simpler said than accomplished, but try to avoid increased commissions when obtaining your arms on a new daily life insurance coverage plan. These commissions are compensated to a broker and agent, and the price of them is provided into the premiums. Look for a 'no load' coverage if you can acquire a policy immediately.
Calculate your real existence insurance policy demands, and let the outcome information how a lot you obtain. It can be fairly costly to above acquire any insurance, even though obtaining also minor insurance could go away your family associates with unnecessary financial problems. When you make the ideal choices about daily life insurance, you will be far more at ease.
Existence insurance insurance policies are much more cost effective the previously they are started. Even if there is no a single that instantly is dependent on your income, if this sort of a situation is very likely many years in the foreseeable future, then existence insurance policy is one thing you must contemplate. For illustration, if you do not have youngsters yet but count on to have a child a single day, investing in a existence insurance policies policy now will be much more price successful than investing later on.
You want to take into account a joint daily life insurance coverage policy if you're married. In essence, this is a single combined coverage, fairly than a pair of different policies. The top quality is reduced on these in contrast to the independent ones. The protection does not modify with this plan, it is just less expensive.
You should realize why you need to have a lifestyle insurance policy policy. Will not just go out and acquire a plan simply because a person advised you it was a very good idea. You ought to only purchase a daily life insurance policy policy if somebody in your loved ones, a wife or husband, or young children, depends on your cash flow source for help. The price of a lifestyle insurance policy policy will partly depend on a health care examination that you get. Nevertheless, there is nothing halting you from getting a medical checkup prior to purchasing for a policy. You need to undoubtedly do so to see if there are any sudden difficulties that you can solve prior to you get daily life insurance policies. Also, attempt to get in much better shape for that examination!
Obtaining daily life insurance is not just for prosperous folks. In reality, it is probably much more essential for these with lower to medium incomes than for those in higher tax brackets. Ultimate costs and living expenses is not going to go absent with the demise of a family member. You need protection to make confident these costs are protected.
Daily life insurance is one of these factors we want to purchase, but hope will not be employed--at least for a extended time. These guidelines will give advice in choosing a lifestyle insurance policy policy to cover long term provision for your family members in situation you are not there. Its greatest price is peace of mind for you and your liked ones.


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- Hassan Whiteside Says It's 'Tough' Watching Teams Outrebound Miami Heat While He's on Bench
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Report: Miami Heat Sources Provide Optimistic Update Regarding Goran Dragic's Injury Status
- Updated: November 27, 2018
Miami Heat guard Goran Dragic is expected to return from injury during the Heat's upcoming four-game homestand, according to Anthony Chiang of the Miami Herald.
While sources around Dragic were positive about his quick return to the lineup, Heat head coach Erik Spoelstra was noncommittal.
"There isn't a definitive update," Spoelstra said on Tuesday, later adding, "We'll continue taking it day by day."
The 10-year veteran has been plagued by injuries this season, having missed one game with an injury to his right foot and seven so far because of inflammation in his right knee. Dragic was pulled prior to the Los Angeles Lakers game on Nov. 18, and he had his knee drained of fluid the following day.
When Dragic hasn't been in the lineup this season, the Heat's offense has suffered. With Dragic, the Heat have averaged 108.4 points per 100 possessions. Without the point guard, the Heat have posted a woeful 101.3 points per 100 possessions, a figure which stands as the least efficient offense in the league.
The Heat need Dragic to contribute his 16.3 points per game as soon as possible.
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Kids Décor
Creating an environment your kids will love to live in is important. Decorate your kids bedroom and play area with our wide selection of kids decor including cushions, beanbags, rugs, wall stickers, artwork and more. Discover decor from popular brands including Gisela Graham, Janod, Karlsson, Lelbys, Skip Hop and The Wall Sticker Company.
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- 11/05/12--03:12: _Desert Locust Bulle...
- 11/05/12--03:45: _ECOWAS Launches Foo...
- 11/05/12--04:30: _Somalia: Somaliland...
- 11/05/12--05:16: _Somalia Rainfall Fo...
- 11/05/12--14:27: _Sahel: Food Insecur...
- 11/05/12--16:37: _Humanitarian Implem...
- 11/05/12--16:38: _USAID/OFDA Nutritio...
- 11/05/12--18:11: _Community conversat...
- 11/05/12--18:41: _North Mali Islamist...
- 11/05/12--21:56: _Grow Kenya Monthly ...
- 11/05/12--22:07: _Women of Mali call ...
- 11/05/12--22:24: _Les femmes du Mali ...
- 11/05/12--22:54: _Helping Refugee Chi...
- 11/06/12--02:38: _Bulletin sur le Cri...
- 11/06/12--02:45: _Somalia Dekadal Rai...
- 11/06/12--03:17: _Réunion de chefs de...
- 11/06/12--03:26: _West African army c...
- 11/06/12--03:28: _Aid agencies tighte...
- 11/06/12--04:00: _Bullettin mensuel s...
- 11/06/12--04:10: _Malawi VAC Food Sec...
Channel Description:
- 11/05/12--03:12: Desert Locust Bulletin No. 409 (5 Nov 2012)
- 11/05/12--03:45: ECOWAS Launches Food Security Programme
- 11/05/12--05:16: Somalia Rainfall Forecast Issued: 5th November, 2012
Wet conditions were maintained in the southern parts of the country with light to moderate rains being recorded in some areas over the period in review. The northern parts remained dry in the same period.
Currently observed river levels along the lower reaches of Shabelle River are at bank full level and there has been reports of flooding in these areas in the last few days.
However, observed river levels along the Juba are stable with no risk of flooding.
- The three days cumulative rainfall forecast (Map 1) indicates maintenance of wet conditions in the southern parts of the country with little or no rains in the central and northern regions. The rains are however expected to spread further to the north during the second half of the week as seen on the seven day rainfall forecast map (Map 2).
- 11/05/12--14:27: Sahel: Food Insecurity and Complex Emergency Fact Sheet #17
- 11/05/12--16:38: USAID/OFDA Nutrition Sector Update – October 2012
- 11/05/12--18:11: Community conversation: changing lives in Kenya
- 11/05/12--18:41: North Mali Islamists to meet top crisis mediator
- 11/05/12--21:56: Grow Kenya Monthly September 2012, Issue No. 24
- 11/05/12--22:54: Helping Refugee Children in Kenya
- 11/06/12--02:38: Bulletin sur le Criquet pèlerin No. 409 (06 novembre 2012)
- 11/06/12--02:45: Somalia Dekadal Rainfall Update Issued: 6th November, 2012
- 11/06/12--03:26: West African army chiefs meet on Mali intervention
- 11/06/12--03:28: Aid agencies tighten security
- 11/06/12--04:00: Bullettin mensuel sur l'évolution des prix No.11/septembre 2012
The number of vulnerable population is projected to increase from 1,630,007 to 1,972,993 people, representing a 21% increase (about 342,986 people). The new total maize equivalent now stands at 84,811 MT (up from 75,394).
Prices are higher in the southern parts of Malawi and on average they range from MK65 to MK85 per kg followed by the central region ranging from MK60 to MK80 per kg. The northern region has the lowest average price range of MK50 to 60 per kg.
The Ministry of Agriculture and Food Security estimates 3.6 million metric tonnes of maize production during the 2011/12 agricultural season compared to 3.89 million metric tonnes produced last year. This projection represents an overall national maize surplus of about 800,000 metric tonnes.
The country experienced poor rainfall pattern during the 2011/12 agricultural season resulting lower production in both rain-fed and irrigated crop.
The Desert Locust situation remained serious during October as second-generation hoppers formed bands in Niger and Chad, and adults formed small swarms in Chad. A similar situation is likely in northern Mali but could not be confirmed due to insecurity.
The ECOWAS Commission has launched an "ambitious programme" to promote food self-sufficiency and reduce food import into the region by 40 percent over the next three years, Vice-President of the Commission, Dr. Toga Gayewea McIntosh has said.
He told visiting Minister of Foreign Affairs of the Federal Republic of German, Dr. Guido Westerwelle in Abuja on Friday 2nd November 2012, that the region is determined to pursue this programme during the tenure of the present management at the Commission which came to office early this year "even if we have to concentrate on our staple foods."
The vice-president paid tribute to the German Government for its support to ECOWAS in the areas of peace and security as well as capacity building to better equip the organisation discharge its mandate of promoting the socio-economic development of its 15 Member States.
He canvassed the country's support for the region's food self-sufficiency initiative and regional infrastructure improvement, to serve as catalyst for development through addressing gaps in West Africa's section of the Trans-African Highway along the coast.
Dr. McIntosh also applauded Germany's pledge of 1 million Euros to support people displaced by the crisis in Mali.
Dr. Westerwelle, who was at the Commission as part of a West African tour that took his six-member delegation to Senegal, Mali and Nigeria, praised the "strong and sustainable" relations with ECOWAS since 2006." He also commended the role played by ECOWAS in the international arena and it's commitment to economic growth and development, describing it as a "sign of the growing self-confidence of the region."
Also at the meeting were the ECOWAS Commissioners for Political Affairs, Peace and Security, Mrs. Salamatu Sulaiman and her counterpart for Human Development and Gender, Dr Adrienne Diop.
Both Commissioners briefed the minister on the recent developments in Guinea Bissau and Mali, illicit drug trafficking and humanitarian situation in the region, particularly related to the crisis in Mali.
Somaliland is situated in the north-west of Somalia, with administrative capital in Hargeysa. It has remained relatively stable since its unilateral declaration of independence in 1991 with functionong institutions and a peaceful transfer of power through democratic elections in 2010. It has a longstanding border dispute with Puntland over the eastern side of Sool and Sanaag regions. While access to these areas is challenging, most of Somaliland is readily accessible to aid agencies. Prolonged drought is the major cause of displacement in recent years, especially in Sool, Sanaag, and Togdheer regions.
Rainfall Performance (30th Oct. to 4th Nov. 2012)
Rainfall Forecast (5th to 11th Nov. 2012)
· Nearly one year since the onset of the food insecurity and nutrition crisis in the Sahel, food security conditions have stabilized and are expected to improve to No Acute Food Insecurity—Integrated Food Security Phase Classification (IPC) 1—in most areas by November due in part to positive agricultural production forecasts, according to the USAID-funded Famine Early Warning Systems Network (FEWS NET). Nonetheless, FEWS NET notes that recent flooding and increasing numbers of desert locusts remain significant threats and could reduce this year's agricultural output in some areas. Ongoing insecurity in Mali and related displacement could also result in continuing above-average humanitarian assistance needs in parts of Burkina Faso, Mali, Mauritania, and Niger through late 2012.
· The rate at which Malians are fleeing to neighboring countries recently slowed, according to the Office of the U.N. High Commissioner for Refugees (UNHCR). In August, the number of new arrivals in Burkina Faso, Mauritania, and Niger declined by 61 percent compared to the preceding month, decreasing from an estimated 60,000 people per month to approximately 23,500 people per month.
· In mid-September, the Mali Protection Cluster—the coordinating body for humanitarian protection activities in the country—revised the estimated number of internally displaced persons (IDPs) in Mali from 174,000 to 118,795, reflecting a decrease of 32 percent. Due to access challenges in the north, the new estimates may not represent the full number of IDPs in Mali, and the cluster continues working to obtain a more comprehensive count of IDPs.
· USAID's Office of Food for Peace (USAID/FFP) recently provided nearly $20 million to partners in Mali, Mauritania, Niger, and Senegal, primarily to support temporary employment and training opportunities that enable beneficiaries to generate income while improving community assets. The U.S. Department of State's Bureau of Population, Refugees, and Migration (State/PRM) also contributed $4 million to increase access to community health care and support the operation of local water systems for conflict-affected populations in northern Mali.
· In FY 2012, the U.S. Government (USG) provided approximately $400 million in humanitarian assistance to benefit more than 3 million people in the Sahel. USG support included food aid, cash transfers, agricultural and livelihoods activities, protection and other assistance for displaced people, and humanitarian coordination and logistical support.
The activities proposed hereafter are still subject to the adoption of the financing decision ECHO/WWD/ BUD/2013/01000
Chad is a large but sparsely populated land-locked country, with a population of 11,506,000, bordered by Sudan, Libya, Niger, Nigeria, Cameroun and the Central African Republic (CAR). Roughly 60% of the national territory is desert, 25% falls in the semi-arid Sahel belt, while the remaining 15% approaches sub-tropical conditions but is subject to flooding.
The United Nations Development Programme's (UNDP) 2011 Human Development Index places Chad 183rd out of 187 countries. The Gross national income (GNI) per capita is USD 1,105 per person. Life expectancy at birth is 49.6 years, while the 2010 maternal mortality rate per 100,000 births is 1,200, the second highest worldwide. One in every five children is born with low birth weight and exclusive breastfeeding is practiced by only 3.3% of Chadian women. The European Commission Directorate-General for Humanitarian Aid and Civil Protection (DG ECHO) has assigned a Vulnerability and Crisis Index score of 3/3, its most severe ranking.
Chad suffers from chronically poor governance and is emerging from a long period of civil conflict. Following the normalization of relations with Sudan in 2010, ending several years of proxy war during which each country supported each other's rebel groups, parliamentary, presidential and local elections were held in 2011 and 2012.
Chad relies on oil revenues (20% of GDP), foreign assistance and foreign capital for most public and private sector investment projects. Oil exports started in 2004, and the peak production capacity of known oil fields has already been reached. Cotton, cattle, and gum arabic provide the bulk of Chad's non-oil export earnings.
Officially, at least 80% of Chad's population relies on subsistence farming and raising livestock for its livelihood. Although difficult to quantify, remittances are also an important source of income. Inflows of remittances to Chad's impoverished Sahel regions from Libya have dried up since the conflict there in 2011, and this continues to affect an already fragile livelihood base.
In 2012, 3.6 million people nationwide were affected by a food and nutrition crisis linked to poor harvests and high market prices for basic commodities. This situation was compounded by trade restrictions due to regional instability in Libya, Nigeria and to a lesser extent, Sudan. A massive food-aid, cash and voucher response has stabilized the situation by maintaining the food security status of vulnerable segments of the population, but this has done little to improve overall conditions.
Eight of the nine regions of Chad's Sahel belt present Global Acute Malnutrition (GAM) and Severe Acute Malnutrition (SAM) rates above emergency thresholds, with five hovering around 20% (Batha, Kanem, Hadjer Lamis, Bahr El Ghazal, Wadi Fira). The capital city N'djamena and the region of Guera are considered critical, while Salamat, known as the bread-basket of Chad, records a GAM rate of 16%. This not only points to a difficult food security situation, but to the complex nature of malnutrition in Chad, where land access and access to basic health care, clean water, hygiene and appropriate infant feeding practices are a major challenge.
Coverage of SAM and Moderate Acute Malnutrition (MAM) treatment by DG ECHO partners increased significantly in 2012, both in terms of children treated (up to 150,000 expected) and the number of health districts supported (roughly 45% of functional health centers provide nutritional services, although the degree of outreach is dependent on the presence of an NGO partner). This scale-up is encouraging, although less than 50% of children have access to appropriate treatment, while effective prevention strategies are lacking and the involvement of government and development partners remains extremely weak.
Recurrent drought (2009/2010, 2011/2012), floods (2010) and epidemics (measles, meningitis, cholera) pose additional risks for a population with limited coping strategies. State services are largely ineffective with only partial coverage and insufficient human resources, particularly in the health sector. Chad's recent history is characterized by widespread internal conflict resulting in displacement (98,000 Internally Displaced Persons (IDPs) and 83,000 returnees) and compounded by competition for limited resources, as well as the spill-over from conflicts in neighbouring Darfur (288,000 refugees), Central African Republic (56,000 refugees) and Libya (over 90,000 registered returns), the sum total of which contributes to the ongoing complex emergency in Chad affecting half a million conflict-related displaced persons, refugees and returnees.
USAID's Office of U.S. Foreign Disaster Assistance (USAID/OFDA) is at the forefront of the humanitarian community's efforts to prevent and treat acute malnutrition. USAID/OFDA-supported programs are community-based, linked to local health systems, and use evidence-based approaches that decrease morbidity and mortality resulting from malnutrition. In addition to supporting infant and young child feeding programs, USAID/OFDA funds nutrition education, initiatives aimed at improving nutrition systems, and operational research to advance best practices and build local capacity to treat acute malnutrition. In Fiscal Year (FY) 2012, USAID/OFDA provided nearly $67 million to support nutrition activities, including nearly $65 million for nutrition interventions in 16 countries and more than $2 million for global and regional nutrition initiatives. The majority of USAID/OFDA's programs were based in the Horn of Africa and western Africa's Sahel region—two areas where drought severely impacted communities' abilities to produce and purchase sufficient quantities of diverse foods, thereby increasing the risk of spikes in acute malnutrition levels among vulnerable populations.
Posted by Rachel Faulkner
Concern Worldwide has been helping people to come together and solve problems in their local communities. We've been using an approach called community conversation. It shows how to solve issues as a group.
Coming together
It gives people a chance to share ideas on how to make changes. One community we've worked with in Migori County have been able to solve problems they've had for years. By meeting up and talking they discovered that a high number of teenage girls were dropping out of school because of a lack of sanitation. Once they realised, they were able to ask members of the community to help.
This led to more openness; they started to talk about other issues such as the violence affecting women and girls. We have since begun to train schools in how to protect their pupils from further abuse.
An end to stigma
HIV is another issue which has been brought up in community conversations. Jane is HIV positive and the stigma around her illness made it hard to get medical treatment for her son who was malnourished. Talking about the myths around HIV with each other made her community aware of discrimination as a problem. Jane's life has changed dramatically:
As a result of these conversations, I was referred to a health clinic, who gave me advice about what I need to do to keep my children as healthy as possible. My baby was put on treatment and given extra food and since then he has gained weight and is a healthy child.
Positive futures
This approach to solving problems can make a big difference to how communities live. For members of the community, like John Okore, there is now a better way forward. In his words:
Now we know how to catch fish for our own.
OUAGADOUGOU, Nov 6, 2012 (AFP) - Representatives of Ansar Dine, one of the armed Islamist groups in northern Mali, are to meet lead mediator Burkinabe President Blaise Compaore Tuesday, as plans for military action take shape.
Mediators are trying to get Ansar Dine to break ties with its jihadist allies -- Al-Qaeda in the Islamic Maghreb (AQIM) and the Movement for Oneness and Jihad in West Africa (MUJAO), long seen as an AQIM splinter group.
The groups took over a large swathe of northern Mali in the wake of a March coup attempt in the country's capital Bamako.
The 16-nation Economic Community of West African States (ECOWAS) has demanded that Ansar Dine end "terror and organised crime" in the region, abandon its allies and engage in a dialogue to re-establish a unified Mali.
Burkinabe mediators on Monday pursued their talks with Ansar Dine for two hours, ahead of the meeting between the group's delegates and Compaore, the lead mediator in Mali's ongoing crisis, at 4:00 pm (1600 GMT).
"We made good progress," Burkinabe Foreign Minister Djibrill Bassole said after the latest round of talks in Burkina Faso's capital.
The Islamists will now have to open a dialogue with the Malian government and continue consultations with the secular Tuareg group called the National Movement for the Liberation of Azawad (MNLA) and communities in northern Mali to create an "inclusive process", Bassole added.
So far the Ansar Dine delegates insist their group -- made up mainly of Malian Tuareg like its chief, Iyad Ag Ghaly -- is independent from the two other groups, has not committed "any act of terrorism" and favours a negotiated settlement to the crisis.
-- Non-African troops could play a role --
Experts finalising details for a military intervention said Monday that non-African troops could play a role in ousting the Islamic radicals from northern Mali, if African leaders agree to such a plan.
"If African heads of state agree, there will be non-African troops on the ground to help Mali win back its territory," an African official taking part in a meeting of international experts in Bamako told AFP on the last day of the conference.
The official who spoke on condition of anonymity did not elaborate on where the troops would come from.
He said that the number of troops sent into Mali by ECOWAS "could reach 4,000 instead of the planned 3,000" and would be spread throughout the country.
He said delegates from Algeria had agreed not to give up the struggle against the armed Islamists, who are backed by AQIM.
Algeria, with its superior military, counter-terrorism and intelligence capabilities, is seen as key to any military operation but has been hesitant to get involved.
US Secretary of State Hillary Clinton visited the north African heavyweight last week to lobby for support in ousting the extremists, who Western powers fear may turn the vast desert zone into a haven for terrorists.
They have already implemented a strict version of Islamic law, stoning and whipping transgressors, and have destroyed "idolatrous" ancient cultural treasures.
The Bamako conference was attended by experts from ECOWAS, the European Union, the African Union, the United Nations and Algeria, who are helping Mali draw up a plan to be presented to the UN on November 26.
Another delegate told AFP that the UN was expected to finance the bulk of the military operation.
West African leaders will meet in Abuja, Nigeria, on an as yet undecided date to approve the plan.
© 1994-2012 Agence France-Presse
The Kenya Horticulture Competitiveness Project (KHCP), funded by the United States Agency for International Development (USAID), is transforming the lives of smallholder farmers through enhanced productivity, crop diversification, and improved market access. This month's highlights include:
• French beans for export increases farmers' income
• Innovative commercial ag-nutrition model completed
• 300,000 consumers targeted in the community-based distribution approach of nutritious products
• The Kenya Plant Health Inspectorate Service (KEPHIS) certifies passion fruit nurseries
• New potato investment in Rift Valley paying off
"This occupation is the cruelest one that the Malian people have had to undergo, nowadays women are deprived of all liberties and even the choice of a husband is dictated to them by the occupying forces," says a displaced woman* living in Bamako and originally from Timbuktu – a city occupied by armed groups today. "Even worse, the woman is married to several men against her will. Nowadays our children can no longer go to school," she added.
Mali is currently experiencing an unprecedented security, political and humanitarian crisis, threatened by armed conflict in the north of the country which is having a direct impact on the population, and especially on women and children. The country has had to face radical armed groups such as Ansar Dine, Mali's northern rebel MUJAO and Al-Qaida in the Islamic Maghreb (AQIM) – groups that have taken control over the northern part of the country where they enforce a strict interpretation of the sharia as well as restrictions, especially targeting women.
"The city of Gao has recorded the worst cases of gang rape or rape by an individual and such crimes are still being perpetrated. How to help these innocent victims on whom the occupation has taken a heavy toll? Nowadays in Gao everything belongs to these people who lay down the law and wreak havoc uninhibited," says another woman from Gao, a city located in the north-east of the country, now residing in Bamako. She deplored the "cruelty" of the armed groups targeting women in particular.
"As for the populations who have remained in the occupied areas, their daily existence has become a nightmare: enforcement of the sharia with no tangible proof; stoning and amputations are performed. At present, young girls and boys are forcibly enrolled in the armed groups or are indoctrinated to become jihadists," she explained.
According to the UN, instability and insecurity have driven more than 250,000 Malians to flee to neighbouring countries – not to mention the 174,000 other displaced persons within the country itself. Given this alarming state of affairs, the women have made a list of their demands, entitled "Appeal from the women of Mali."
On 20 October, Jan Eliasson, Deputy Secretary-General of the United Nations, visited the country and met with female leaders supported by UN Women and the UN system in Mali in order to hear their proposals and demands aimed at helping to resolve the conflict.
Assembled in Bamako, the capital of Mali, approximately 40 female leaders together with officials from the Forum of Malian civil society organizations participated in the discussions.
"Though they are the main victims of the various crises that Mali is experiencing, women are still not very much involved in the various bodies managing the transition," stressed Mrs. Diakité
Saran Keita Diakité, President of the Women's Peace and Security Network for ECOWAS countries (REPSFECO/Mali), read out the recommendations to the UN Deputy Secretary-General.
The concrete recommendations made by the women at the meeting were strong. "We, the women from civil society in Mali (…), demand the following at the decision-making level: at least 30 per cent female representation in all bodies for crisis management and post-crisis management; participation in political and institutional governance, security and the electoral process; capacity-building in terms of mediation, negotiation, prevention, conflict-management and peace-consolidation; advocacy by the UN Secretary-General in favour of reparation for the harm suffered by rape victims as well as their care; and immediate implementation of a support fund for the self-empowerment of the women of Mali."
A copy of the appeal was handed over to the Deputy Secretary-General, who assured that the message from the women of Mali would be carried to the highest level and that he would follow the situation closely.
UN Women is also setting up a psycho-social and economic assistance programme for displaced women and young girls affected by the conflict.
*The names of the women have been withheld for their safety and security.
« Aujourd'hui les femmes sont privées de toutes libertés et même le choix de son conjoint est dicté par les occupants. Et pire, la femme se marie à plusieurs hommes contre sa volonté. Aujourd'hui nos enfants ne peuvent plus aller à l'école », dit une femme* déplacée vivant à Bamako originaire de Tombouctou, une ville occupée par les groupes armés. « Cette occupation est la plus cruelle que le peuple malien puisse vivre ».
Le Mali traverse actuellement une crise sécuritaire, politique et humanitaire sans précédent menacé par un conflit armé au nord du pays qui affecte directement les populations en premier lieux les enfants et les femmes. Le pays doit faire face à des groupes armés radicaux tels que Ansar Dine, Mouvement pour l'unité du djihad en Afrique occidentale (MUJAO) et Al-Qaïda au Maghreb islamique (AQMI) qui ont pris le contrôle de la partie nord du pays, où ils appliquent une interprétation extrême de la charia, ainsi que des restrictions prenant en particulier les femmes pour cible.
« La ville de Gao a connu les pires cas de viols collectifs et individuels qui continuent encore. Comment assister ces victimes innocentes qui payent le plus lourd tribut de l'occupation? Aujourd'hui, à Gao tout appartient à ces gens-là qui dictent leur loi et sévissent sans retenu », dit une autre femme originaire de Gao, une ville située au nord-est du pays, qui vit désormais à Bamako. Elle déplore également la « cruauté » des groupes armés ciblant spécifiquement les femmes.
« Parmi les populations restées dans les régions occupées, leur vie au quotidien est devenue un calvaire: application de la charia et sans preuve tangible ; il y a des lapidations et des amputations. Actuellement, les jeunes filles et garçons sont enrôlés de force dans les groupes armés ou endoctrinés comme djihadistes », explique-t-elle. Selon l'ONU, l'instabilité et l'insécurité ont poussé plus de 250.000 Maliens à fuir dans les pays voisins, sans compter les 174.000 autres déplacés internes. Au cours de la rencontre, les femmes ont également fait part des difficultés extrêmes auxquelles font face les familles de déplacées qui peinent à subvenir à leurs besoins et ceux de leurs enfants.
Le Vice-Secrétaire général des Nations Unies, Jan Eliasson, était en visite dans le pays le 20 octobre afin de rencontrer des femmes leaders soutenues par ONU Femmes et la Coordination du Système des Nations Unies au Mali et d'écouter leurs propositions et leurs revendications pour contribuer à la résolution du conflit. Réunis à Bamako, la capitale du pays, près d'une quarantaine de femmes leaders et de responsables du Forum des organisations de la société civile du Mali ont pris part aux discussions.
La Présidente du Réseau Paix et Sécurité des Femmes de l'espace CEDEAO (REPSFECO/Mali), Saran Keita Diakité, a saisi l'occasion de cette réunion pour lire ce texte et interpeller le Vice-Secrétaire général des Nations Unies.
« Bien qu'étant les principales victimes des différentes crises que le Mali traverse, les femmes restent très peu impliquées dans les organes de gestion de la transition », a souligné Mme Diakité.
« Nous, femmes de la société civile du Mali … au niveau décisionnel réclamons : une représentation d'au moins 30 pourcent dans tous les organes de gestion de la crise et post crise, de la participation à la gouvernance politique et institutionnelle, sécuritaire et au processus électoral; le renforcement des capacités en médiation, négociation, prévention, gestion des conflits et consolidation de la paix ; un plaidoyer du Secrétaire général des Nations Unies pour la réparation des préjudices subis par les victimes de viols et la prise en charge de toutes les victimes de violation de droits humains ; et la mise en place immédiate d'un fonds d'appui pour l'autonomisation des femmes du Mali ».
Une copie de cet appel fut ensuite remit au Vice-Secrétaire général de l'ONU qui a, pour sa part, assuré que le message des femmes du Mali sera porté au plus haut niveau et qu'il suivrait la situation de près.
ONU Femmes met également en œuvre un programme d'assistance psychosociale et économique aux femmes et filles déplacées et affectées par le conflit.
*Les noms des femmes ont été retirés pour leur protection et sécurité.
Anne C. Richard serves as Assistant Secretary of State for Population, Refugees, and Migration
It is hard to be a refugee, but I think it must be even more difficult to be a refugee child, trying to learn and grow and enjoy childhood despite living in some of the most challenging circumstances on earth. On a trip to Kenya, I visited with refugee children in two very different locations: in the Kakuma refugee camp in northwestern Kenya and in a safe house in Nairobi for girls who are victims of violence.
In the large (103,000 inhabitants and growing) Kakuma Camp that shelters refugees from Somalia, South Sudan and other nearby countries, aid workers grapple with a big problem: there is little respect for the rights of children. Many children are forced to work, others are neglected or expected to raise little siblings and some suffer from other forms of exploitation. Too many have been orphaned or separated from their parents. Nearly all the children live precarious lives.
In the camp hospital, we saw a baby whose feet and lower legs were badly burned by falling into a cooking fire -- an unfortunately common occurrence. A child from the local Turkana community that surrounds the camp was malnourished and getting emergency feeding. Nearby, a beautiful but listless girl lay in her mother's arms, stricken with a severe case of malaria.
There are 15 primary schools in the camp, but only about one-third of children attend school. Many of the students in primary school are older children, desperate to get an education. Some parents are reluctant to send girls to school because they know they will come in contact with boys. Positive steps are being taken, though. For instance, Angelina Jolie has endowed a boarding school for girls that ensures a number of refugees will get an education.
There are non-governmental organizations in the camp that support children and other vulnerable populations. FilmAid, a non-governmental organization supported by the U.S. Department of State, uses the medium of film to convey important public service messages such as awareness-raising on the needs of children and to provide some entertainment to camp residents. We visited FilmAid as they were running a session for women and girls on standing up against SGBV. There are also child rights' clubs and youth centers in the camp.
Children are also victims of sexual and gender-based violence, which aid workers refer to as "SGBV." According to the UN refugee agency (UNHCR), 25 percent of SGBV cases involve children. About half are girls and half boys who are abused, raped or otherwise harmed by adults.
The U.S. Government is responding to the needs of all refugees in Kakuma, including these vulnerable children. In Kenya, PRM provided over $53 million in humanitarian assistance in the last fiscal year and we will be continuing aid in FY2013. This enables our international and non-governmental organization partners to provide a range of services in Kakuma and elsewhere in Kenya, including health care, information and education, child protection, psycho-social assistance, prevention of and response to SGBV, and reception and registration for new arrivals.
In Kenya's capital of Nairobi, I met refugee girls who were victims of SGBV. They live at a safe house called Heshima Kenya, which is supported by the U.S. government. The adolescents, several of whom had children, will stay in the safe house until foster families can be found.
They also learn basic literacy and math and receive training in tailoring so that they have a marketable skill. I was particularly impressed by the dedication of the Kenyan staff members who demonstrated obvious affection for these refugee youth.
Many of these children were first traumatized in their home countries and forced to flee violence or persecution. Here in Kenya, they have a chance to recover from the horrors that prompted them to become refugees in the first place. Aid from the United States and other donor countries is essential, however, to keep them out of harm's way and safe from further danger and exploitation. In each place I visited where boys and girls were helped -- from the camp hospital, to a FilmAid discussion group, to Heshima Kenya's safe house -- I felt a great pride in my country for doing so much to rescue these vulnerable children.
La situation relative au Criquet pèlerin est restée préoccupante en octobre avec la formation de bandes larvaires de deuxieme génération au Niger et au Tchad et celles de petits essaims au Tchad. La situation est probablement similare dans le nord du Mali mais cela n'a pas pu etre confirmé en raison de l'insécurié. Bien que les opérations de lutte effectuées au Niger et au Tchad aient réduit les effectifs acridiens, il subsiste un risque élevé que davantage de groupes d'ilés et de petits essaims se forment en novembre et se déplacent vers l'Afrique du nord-ouest et le nord-ouest de la Mauritanie. Une diminution de signalisations d'essaims au Tchad fin octobre semble indiquer que les migrations ont déjà commencé sur quelques sites. Une reproduction locale a entraîné une augmentation des effectifs acridiens dans l'ouest de la Mauritanie, où de petits groupes de larves et d'ailés ont été traités. Dans la Région centrale, des opérations de lutte ont été réalisées contre de bandes larvaires dans le centre du Soudan. La reproduction hivernale débutera probablement sur une échelle limitée le long des deux rives de la mer Rouge pendant la période de prévision.
This bulletin provides summary of 10 days (Dekadal) observed rainfall in Somalia
During the third dekad of October, (21st – 30th October 2012), wet conditions persisted in some areas with moderate to heavy rains being received in the south and central parts of the country. There was general reduction of rainfall activities in the northern parts of the country. Figure (1) shows the rainfall observational network and monthly rainfall distribution for selected stations across the country. The table below is a brief summary of the rainfall situation by region for this dekad. This update will be issued every 10-days throughout the rainy season.
Par Serge DANIEL
BAMAKO, 06 nov 2012 (AFP) - Des chefs d'état-major ouest-africains étaient réunis mardi à Bamako pour étudier le plan d'opération de la force composée de milliers de soldats de leurs armées qui devra reconquérir le nord du Mali occupé par des islamistes armés, élaboré par des experts internationaux.
Cette réunion, qui doit détailler les plans de la reprise du Nord occupé depuis plus de sept mois par des islamistes liés à Al-Qaïda au Maghreb islamique (Aqmi), a lieu au moment où des négociations se tiennent à Ouagadougou et Alger avec certains d'entre eux, afin qu'ils se distancent d'Aqmi.
Les chefs d'état-major de la Communauté économique des Etats d'Afrique de l'Ouest (Cédéao) doivent se prononcer sur le "concept stratégique" de la reconquête du nord du Mali, mis au point pendant une semaine à Bamako par des experts internationaux, africains et occidentaux.
Une fois approuvé par eux, ce concept, qui doit préciser la composition de la force, le niveau de participation des pays de la Cédéao qui en constitueront le noyau, le financement et les moyens militaires dont elle devrait disposer, devra ensuite l'être par les dirigeants politiques africains.
Il sera alors transmis, avant le 26 novembre, au Conseil de sécurité de l'ONU qui, le 12 octobre, avait voté une résolution donnant à la Cédéao 45 jours pour préciser ses plans de reconquête du nord du Mali.
"Il s'agit de s'entendre sur un concept d'opération pour aider rapidement le Mali à récupérer le Nord", a déclaré à l'ouverture de la réunion le général Soumaïla Bakayoko, chef d'état-major de l'armée malienne. "Je peux vous affirmer que nous sommes prêts à jouer notre rôle", a-t-il dit.
"Le concept stratégique soumis aujourd'hui est la fois flexible, innovant et consensuel. Il est flexible, parce que notre champ de divergences s'est progressivement réduit pour aller vers un consensus", a-t-il ajouté.
Le général guinéen Sékouba Konaté, chef de la Force africaine en attente (FAA), chargé par l'Union africaine (UA) de superviser la préparation de la force de la Cédéao au Mali, assiste à la réunion.
Force de 4.000 hommes
"Je voudrais saluer déjà le travail qui a abouti à l'élaboration du concept. Les crises auxquelles le Mali est confronté sont préjudiciables à la paix dans la sous-région", a-t-il déclaré.
Des troupes non africaines pourraient participer à la reconquête du Nord si les chefs d'Etat africains donnent leur accord, avaient indiqué lundi des experts à l'issue de leur réunion.
Jusqu'à présent, l'envoi de troupes non africaines a toujours été écarté par la France et les Etats-Unis, prêts à un appui logistique. Mais des responsables ouest-africains espèrent une intervention de leur aviation, qui pourrait s'avérer décisive pour chasser les groupes islamistes.
Un responsable africain avait également indiqué que "le nombre de militaires" de la force de la Cédéao, "pourrait atteindre les 4.000 au lieu des 3.000 initialement prévus" et qu'ils seraient répartis "un peu partout" au Mali.
Parallèlement à la préparation de la force armée à Bamako, la médiation burkinabè poursuit à Ouagadougou ses discussions avec Ansar Dine (Défenseurs de l'islam), l'un des groupes islamistes contrôlant le nord du Mali avec Aqmi et le Mouvement pour l'unicité et le jihad en Afrique de l'Ouest (Mujao).
Une délégation d'Ansar Dine doit rencontrer mardi après-midi le président Blaise Compaoré, médiateur au nom de la Cédéao, après plusieurs entretiens avec son ministre des Affaires étrangères, Djibrill Bassolé.
M. Compaoré veut convaincre Ansar Dine - surtout composé de Touareg maliens comme son chef Iyad Ag Ghaly - de rompre avec ses alliés jihadistes d'Aqmi et du Mujao, d'opérer un éventuel rapprochement avec les rebelles touareg laïcs du Mouvement national de libération de l'Azawad (MNLA).
Le MNLA prône l'autodétermation du nord du Mali et y avait lancé l'offensive en janvier avec les groupes islamistes armés, avant d'en être évincé par eux.
Les jihadistes y imposent depuis la charia (loi islamique) de manière très rigoriste (lapidations de couples non mariés, amputations de présumés voleurs) et y commettent de nombreuses exactions dont des viols et pillages, selon de nombreux témoignages.
Une délégation d'Ansar Dine se trouve également à Alger: l'Algérie, puissance militaire régionale incontournable, privilégie le dialogue, sans exclure la force contre les groupes "terroristes" et sécessionnistes.
© 1994-2012 Agence France-Presse
by Serge Daniel
BAMAKO, Nov 06, 2012 (AFP) - West African army chiefs met Tuesday to study a proposal drafted by international experts on how their troops could expel Islamic extremists who have occupied northern Mali for months.
The meeting comes seven months after radicals linked to the north African Al-Qaeda branch took over the vast arid north, triggering fears in the region and among Western powers that the zone could become a new haven for terrorists.
Diplomatic efforts for a military solution have intensified, but negotiations are also under way to get the main Islamist group Ansar Dine to cut ties with Al-Qaeda in the Islamic Maghreb, with talks in Algiers and Ouagadougou.
Military bosses from the Economic Community of West African States (ECOWAS) need to approve the details for an eventual military operation which were decided during a week-long meeting of international experts in Bamako.
"It is about coming to a rapid agreement on an operational concept to help Mali quickly reconquer its north," said Mali's army chief General Soumaila Bakayoko.
"I can confirm that we are ready to play our role."
The plan will then be passed to regional heads of state for approval before being presented to the UN Security Council on November 26.
The United Nations wants clarification on the makeup of a regional force, the level of participation from various west African states, and the financing and military means available.
Guinea's former transition leader General Sekouba Konate, who was charged by the African Union with leading the standby force, also attended the meeting.
"I want to pay tribute to the work which has led to the development of the plan. The crises which Mali is facing are detrimental to peace in the sub-region," Konate said.
"Mali can count on its friends, its partners from the standby force, to respect its territorial integrity."
Mali, once one of the region's most stable democracies, has rapidly imploded since a Tuareg rebellion for independence began in January and rapidly overwhelmed the state's poorly equipped army.
Angry over the government's handling of the crisis, soldiers staged a coup in March, which only made it easier for the rebels to seize a string of desert towns such as Timbuktu, Gao and Kidal.
The secular separatists were quickly sidelined by Islamists fighting on their flanks who had little interest in their aspirations for an independent homeland and set about implementing strict sharia law.
Ansar Dine ("Defenders of Faith" in Arabic) and AQIM splinter group the Movement for Oneness and Jihad in West Africa (MUJAO) have stoned people to death, whipped them, amputated limbs and forced women to cover up.
However in talks in Ougadougou Ansar Dine delegates insist their group -- made up mainly of Malian Tuareg like its chief, Iyad Ag Ghaly -- has not committed "any act of terrorism" and favours a negotiated settlement to the crisis.
Their team in Burkina Faso will on Tuesday meet the country's President Blaise Compaore, who is the lead ECOWAS mediator.
The 16-nation west African bloc has demanded that Ansar Dine end "terror and organised crime" in the region, abandon its allies and engage in a dialogue to re-establish a unified Mali.
This will involve further negotiations with Bamako -- where a fragile interim government has struggled to assert itself -- as well as the Tuareg rebel group the National Movement for the Liberation of Azawad (MNLA).
Another Ansar Dine delegation is in Algeria for talks.
Algeria, with its superior military, counter-terrorism and intelligence capabilities, is seen as key to any military operation but has been hesitant to get involved, preferring a negotiated solution.
US Secretary of State Hillary Clinton visited the north African heavyweight last week to lobby for support in ousting the extremists.
It is expected that up to 4,000 African troops could be sent to Mali, regional experts have said, without ruling out the possibility of non-African troops taking part in the military operation.
© 1994-2012 Agence France-Presse
OUAGADOUGOU/DAKAR, 6 November 2012 (IRIN) - Aid agencies have stepped up security measures in Burkina Faso and Niger as the threat of kidnappings by Islamist groups mounts.
Security specialists fear Islamist groups currently in control of northern Mali will increasingly abduct foreign nationals to raise money to prepare for conflict, given the likelihood of an Economic Community of West African States (ECOWAS) military intervention predicted to take place early next year. Some say hostages could also be used as human shields.
As a result, UN agencies are using armed escorts for travel into rural areas of Niger and much of Burkina Faso, international staff have been withdrawn from many areas, and NGOs travel to at-risk zones only in convoy.
Five Nigerien aid workers were freed on 4 November, while a sixth aid worker - a Chadian national - died after having been shot by hostage-takers in southeastern Niger on 14 October. The freed hostages said they were mistakenly kidnapped by the Movement for Oneness and Jihad in West Africa (MUJAO) which had been "looking for a white person".
Western workers are the principal target, though regional African staff may also be pursued once ECOWAS member states firmly commit to contributing troops or support to the military intervention mission, say security specialists in Niger and Burkina Faso.
Areas deemed most at-risk include northern Burkina Faso near the Mali border - where most of the 35,000 Malian refugees are currently sheltering - and rural areas outside major towns throughout Niger.
Simmering popular discontent over the lack of development in Burkina Faso, high youth unemployment and the regime's failure to raise living standards also provides fertile ground for Islamist groups to boost their influence, say analysts.
Burkina Faso president Blaise Compaoré is playing a prominent mediation role in the Mali crisis while also supporting the call for international intervention; while Niger has been at the forefront of states neighbouring Mali to call for military intervention in the north.
Porous borders mean "there is a lot of movement of Islamist groups" across Burkina Faso and Niger, including suspected Boko Haram members in southern Niger on the border with Nigeria, according to Germain Mwehu, spokesperson for the International Committee of the Red Cross (ICRC) in Niger and Mali.
While urging vigilance, the security threat should not be exaggerated, said one aid worker. "We tend to scare ourselves." Thus far the situation in northern Mali has had just an "indirect" impact on security in Niger and Burkina Faso, according to security specialists, including head of the UN Department for Safety and Security (UNDSS) in Niger, Jean-Gabrielle Baba. But this could change as military intervention approaches.
Nationalization and armed escorts
Following the mid-October abduction, all non-essential expatriate staff in Niger were shifted to urban hubs such as Zinder, Maradi and Niamey; while national and regional staff continue to run operations. International staff have been similarly restricted in northern Burkina Faso.
But aid agencies' policy to "Africanize" positions in at-risk areas should perhaps be reconsidered with the aim of using nationals-only, said a security specialist with an international NGO who asked to remain unnamed, given the possibility that ECOWAS nationals could be targeted.
"It would not be good to be Ivoirian or Senegalese or Burkinabe in Niger close to areas with northern Mali at the moment," he commented.
In Burkina Faso, UN staff are using armed escorts for travel beyond Djibo (in Soum) and Dori (in Seno) in the Sahel region, and in Niger for most travel outside of major towns, according to Franck Kwonu, spokesperson with the UN Office of the Coordination of Humanitarian Affairs (OCHA) in Niger.
While UN agencies are using armed escorts, most NGOs choose not to, fearing it militarizes aid. One aid worker, who preferred anonymity, told IRIN: "In places like northern Mali, working with armed escorts would prevent us working on other things. If we don't stand on our core values [of impartiality and neutrality], then we're lying, and that is the message we bring."
The UN Refugee Agency (UNHCR) is reportedly setting up a secure zone for UN agencies, protected by gendarmes or military, in Douri, in the Sahel region of Burkina Faso. It also plans to relocate refugee camps such as Ferrerio which are less than 50km from the Mali border, in line with international standards.
Some 1,500 refugees already left Ferrerio of their own accord to shelter in Goutebo camp further inland, as they felt it to be more secure, according to NGO Terre Des Hommes (TDH), which helps set up schools in refugee camps.
Programmes affected
While security restrictions have not significantly slowed down operations in Niger, said OCHA's Kwonu, and ICRC spokesperson for Niger and Burkina Faso, Germain Mwehu, there has been an impact, at least in Burkina Faso.
Travel reductions mean Oxfam staff can spend less time consulting with refugees, said humanitarian manager Sosthene Konaté. Arianna Brindelli, programme officer with TDH, says the organization has scaled back its education operations in camps.
Transferring full responsibility for running programmes to national staff takes time and can slow down operations, aid workers told IRIN.
A 2011 OCHA report, To Stay and Deliver, outlined some of the creative ways aid agencies were finding to continue programming in highly insecure environments such as Iraq and Afghanistan, rather than defining strict aid cut-off thresholds.
Representatives from ECOWAS, the African Union, the European Union, the UN and Algeria are today closing up a five-day meeting in Bamako where they have been discussing next steps for intervention in northern Mali. At the same time, President Compaoré, representing ECOWAS, is meeting with Islamist group Ansar Dine to try to persuade them to break away from MUJAO; while the Algerian government is meeting other representatives from Ansar Dine in Algiers.
· Le mois de septembre boucle la campagne de commercialisation des produits agricoles 2011/2012. Les offres restent faibles malgré l'arrivée des produits de la nouvelle récolte sur le marché. Bien que les producteurs et les commerçants aient déstocké leurs réserves, celles-ci n'ont pas été suffisantes ni pour approvisionner les marchés ni pour invertir significativement la tendance haussière des prix.
· Les prix des céréales et légumineuses locales restent supérieurs de 13 à 20 % à ceux de septembre 2011, et de 16 à 30 % par rapport aux moyennes des cinq dernières années.
· Par rapport à août, les termes de l'échange se sont améliorés pour les %) grâce à l'approche de la Tabaski, mais aussi pour les dockers de Dakar grâce à l'important volume d'activités du port (+16 %).
· Un repli de la production de viandes bovines (-3,1 %) et ovines (-13,9 %) en 2012 est prévu suite à la mauvaise campagne agricole 2011/2012 et donc à la moindre disponibilité en fourrage et à la cherté de l'aliment de bétail. Cette tendance serait, cependant, atténuée par la bonne production de volaille (+6,3 %) qui continue de profiter de l'interdiction des importations, mais également de la production de lait (9,5 %) et d'oeufs (+3,8 %).
October , 2012 Food Security highlights…


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Purchasing an aircraft is a significant investment. As with any major purchase, private aircraft buyers want to be sure they're seeing all the available private jets for sale that meet their criteria, so that they can compare the price, configuration and condition of all such currently available private jets for sale worldwide. Moreover, many buyers who plunge into the market without the help of an expert advisor may not even have properly identified the best airplane for their needs, and a buyer can't make a great deal on the wrong airplane.
Are these lower prices the reason more Americans are chartering planes? Virtuoso's statistics indicate that the number of private charter trips increased by 10 percent from 2014 to 2016, and statistics from the research company Euromonitor show that the number of passengers in the United States who chartered planes increased from 4.88 million in 2013 to 5.32 million in 2016 (this number excludes helicopter charters).
About 70% of the fleet was in North America at the end of 2011. The European market is the next largest, with growing activity in the Middle East, Asia, and Central America.[8] In 2015 the total airplane billing amounted to US$21.9 billion, and 718 business jets were delivered to customers across the globe : 199 (27.7%) by Bombardier Aerospace, 166 (23.1%) by Cessna, 154 (21.4%) by Gulfstream Aerospace, 120 (16.7%) by Embraer and 55 (7.7%) by Dassault Falcon.[9]
No matter what company you're flying with, be sure to ask if there two pilots or one. (Though two pilots are standard on commercial flights, regulations vary for private planes of all sizes.) It also helps to ask if the operator owns the plane—typically, companies that own their planes offer better service. Never forget to ask about daily minimums and taxi fees. "If the hourly rate is $9,000 and you have a single 40-minute flight, you might assume you are going to pay $6,000," says Doug Gollan, creator of PrivateJetCardComparisons.com. "But if your provider has a daily minimum of 1.5 hours, you are going to actually be charged $13,500, plus taxi time, which in my comparisons I have found varies between being included and up to 12 minutes per segment."
Ms. Broder booked a jet charter this March from New Jersey to Las Vegas for her client Steven Michaels, an entrepreneur from Cherry Hill, N.J., and seven of his friends. The trip was in celebration of several of the men turning 50, and the group wanted an extravagant getaway. First-class tickets worked out to close to $2,000 a person round trip, while chartering an eight-seat Citation III jet was $3,500 each. When presented with both options, Mr. Michaels said that going private was a no-brainer. "The journey was like paying for a high-end tour or excursion and ended up being one of the most fun parts of the trip," he said.
In 2017 Honeywell predicts 8,600 aircraft to be delivered during the next decade for a total value of $264 Billion. Its breakdown is 57% big (85% in value) - super-midsize to business liner, 18% midsize (8% in value) - light-medium to medium, and 25% small (7% in value); the global demand is expected to come from North America for 61%, 15% from Latin America, 14% from Europe, 6% from Asia-Pacific and 4% from Middle East and Africa.[11]


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Manassas and its bordering towns are hosts to a number of different types of schools. You can choose among them in terms of proximity, student population, net price, and graduation rate through data from the National Center for Education Statistics.
Closest Schools to Manassas, Virginia
Colleges and universities located in and nearby Manassas, Virginia, all offer certificate programs and/or undergraduate level degrees. One of them is conveniently situated within the city itself. If you wish to pursue your studies within a 12-mile distance from Manassas, then choose from the schools included below.
- Strayer University-Manassas Campus (within the city)
- Columbia College - Centreville (4.3 miles)
- ITT Technical Institute-Chantilly (7.8 miles)
- George Mason University (11.3 miles)
- Stratford University (11.3 miles)
Largest Schools Near Manassas, Virginia
Northern Virginia Community College, a public institution, has the largest student population in Manassas, Virginia. The total number of students enrolled there in Fall 2014 was 51,487, all undergraduates. On the contrary, the majority of the other schools with large student population are private universities and institutes.
- George Mason University (33,729 students: 22,349 undergraduates)
- Strayer University-Virginia (6,850 students: 4,504 undergraduates)
- Marymount University (3,441 students: 2,363 undergraduates)
- Stratford University (2,971 students: 2,336 undergraduates)
- ITT Technical Institute-Springfield (757 students: all undergraduates)
Find schools that offer these popular programs
- Agriculture
- Architecture
- Biological and Biomedical Sciences
- Business
- Communications and Journalism
- Computer Sciences
- Culinary Arts and Personal Services
- Education
- Engineering
- Legal
- Liberal Arts and Humanities
- Mechanic and Repair Technologies
- Medical and Health Professions
- Physical Sciences
- Psychology
- Transportation and Distribution
- Visual and Performing Arts
Lowest Net Price
Cost is important to many students, and one way to compare schools is by looking at average net prices. This figure is determined by subtracting the amount of financial aid the average full-time undergraduate student receives from the total cost of attending the college (including living expenses, tuition, student fees, etc.). Average net prices at schools in the Manassas area ranged from about $6,000 to nearly $34,000 according to NCES figures from 2014-2015. However, the schools with the lowest net prices not exceeding $23,000 include:
- Columbia College - Centreville ($5,820)
- Northern Virginia Community College ($8,965)
- Columbia College - Fairfax ($9,793)
- George Mason University ($17,316)
- Stratford University ($22,509)
Highest Graduation Rate
A college's overall graduation rate reflects the number of full-time undergraduate students who completed an academic program within 150% of 'normal' time. For instance, a bachelor's degree program is designed to be finished in four years, so the overall graduation rate would include students who graduated in six years. The following list shows the schools with the highest graduation rates in 2015.
- George Mason University (69%)
- Columbia College - Fairfax (62%)
- Columbia College - Centreville (61%)
- Marymount University (50%)
- Stratford University (40%)
Different types of institutions are located in Manassas, Virginia, and depending on your needs you can opt to study in the one which is nearest the city, has the largest enrollment, highest graduation rate, or lowest cost of attendance.


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Pakistan ki taraqi main talba ka kirdar essay in urdu
Qaum Ki Taraqi Main Taleem Kiya Kirdar Ada Karti Hai. Aug 2017 - 5 min pakistan ki taraqi main talba ka kirdar essay in urdu Uploaded by right to live organizationA speech in which the speaker tells about the role of persons with disabilities in the development.
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Taleeeem Sab Ka HaaaQ Hy updated their profile picture. Sep 2015. Maiza Hameed PML-N, Kashmala Tariq PML-HK, Faisal Karim Kundi PPP and Ali Muhammad Khan PTI in fresh episode of In Focus on Dawn. Taraqi ke liay mojoda talimi nazaam main tabdili ki zarorat. Feb 2016. Articles & Essays. pakistan, tameer-e-watan me nai nasal ka kirdar, mahol ki aaludagi, hamara nizam-e-taleem.
August 28, 2015 1729 No Comments. Qaum Ki Taraqi Main Taleem Kiya Kirdar Ada Karti Hai. Search Results of Pakistan Ki Taraqi Mein Tulba Ka Kirdar In Urdu Essays and. Stories/urdu-stories/2270/0/Urdu-Story-of-Pakistani-Culture-and-community-in-urdu-Anaon-Main-Khushiaan.html.
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Feb 2012. ilm afrad ki zehni salahiyaton ko ojagr krnay or seeratokirdar ki. Punjab University. Pakistan Mein Talba Ka Kirdar at. Quetta Yazdan khan high school main yawme azadi ki taqrib main talba wa tulbat. Urdu Essay Topics Urdu Mazmoon. Tulba Ka Kirdar Pakistan Ki Taraqi Email. Identifier-ark ark:/13960/t44r0ht0p. Kings major course of action throughout all of ralba work was oirdar, and he was awarded The Nobel Peace.


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R. Refael Antebi
About the Piyut
In this Piyut we feel the pain of the poet and the people of Israel. He speaks of pain, suffering and affliction
and pleads for mercy, healing and consolation. The request is not in the physical sense only but in the
spiritual as well - give strength to my soul.
The poet addresses God in a rather uncommon term - expert healer - and thus emphasizes the dependence
of the individual and the nation God to heal the wounds of the exile and of the personal suffering. God is
described as faithful, following the verse in Deuteronomy: "Know, therefore, that only the Lord your God
is God, the steadfast God who keeps His covenant faithfully".
The Aram Tzuba tradition attributes this Piyut to R. Refael Antebi, the greatest poet among the Jews of
Aram Tzuba whereas the Moroccan tradition claims it was written by the poet R. Refael Edrei, who lived in
Morocco in the 20th century.
Hebrew Text
Refa tziri El ne'eman / ki ata rofeh uman
At roshi shur chal'shi / v'-ten koach l'-nafshi
P'tach sha'ar ha-rachamim / ram shochen ba-m'romim
Al avdach sim chasdach / eyn m'rachem biladach
El chai t'filati / v'-chusha l'-ezrati
Bi-m'hera d'ror k'ra / l'am ben ha-g'vira
ּכִי אַּתָה רֹופֵא אֻּמָן
ְרפָא צִיִרי אֵל נֶאֱמָן
וְתֵן ּכֹחַ לְנַפְׁשִי
אַּתְ ֹראׁשִי ׁשּור חַלְׁשִי
ָרם ׁשֹוכֵן ּבַּמְרֹומִים
ּפְתַח ׁשַעַר הַָרחֲמִים
ְאֵין מְַרחֵם ּבִלְעָָד
ְָעַל עַבְּדְָ ׂשִים חַסְּד
וְחּוׁשָה לְעֶזְָרתִי
אֵל חַי ְרצֵה ּתְפִּלָתִי
לְעַם ּבֶן הַּגְבִיָרה
ּבִמְהֵָרה ּדְרֹור ְקָרא
English Translation
Heal my pain O Loyal God
for you are a skilled healer
You lead me, You see my weakness
and grant strength to my soul
Open the gate of mercy
High dweller of the heavens
Upon your servant bestow your grace
there would be no
Oh Living God desire my prayer
and hasten to my aid
And speedily call for the redemption
of the nation born to the Lady [Sara]
Recording by the Piyut North America ensemble


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About BMG Elegant Homes
22 Buildings - 300 unitsLAUNCH DATE
Jan, 2015
Read LessRead More
BMG Elegant Homes is a luxurious residential project. This complex has a number of eco friendly features. The charm of this property is further increased by its aesthetic amenities. Exuding sophistication and class, these homes are brilliant in its form and function. The homes are crafted by the experts to suit the needs and demands of the potential residents of this modern enclave. With homes of this kind, BMG Elegant Homes is indeed an ideal dwelling you have always wanted to reside in.
- Strategic Location Advantage
- Ample Car Parking Space
- Sufficient Water Bodies and Parks
- Vaastu Compliant Homes
BMG Elegant Homes Price & Floor Plan
1335.00 sqft.
Price on Request
3 BHK Independent Floor
Super Builtup Area : 1335.00 sqft. at 3.5k per sqft
BMG Elegant Homes Bank Offers(1)
BMG Elegant Homes Amenities
Flat Amenities
Electrical: standard Toilets: standard paints Kitchen: standard paints Doors: standard Windows: standard Others: standard
Living/Dining: standard Master Bedroom: standard Other Bedroom: standard Kitchen: standard paints Toilets: standard paints Balcony: standard
Interior: standard paints Exterior: standard paints Kitchen: standard paints Toilets: standard paints
View All Amenities
View Less Amenities
Insights into neighbourhood
Sector 19 is a blooming locality that lies in the city center of Rewari in the Haryana state. The place has excellent connectivity with roads like Garhi Bolni Road, Bawal - Rewari Road and Rewari - Shahjahanpur Road giving connectivity easily through this place to other major localities and cities. Rewari Railway Station is at a very short distance from this place. Also through the Rewari - Shahjahanpur Road, this place gets connected to the Rewari - Sohna Road and straight to the Indira Gandhi International Airport in a very short time. Some of the schools and colleges located nearby the vicinity are Hindu Senior Secondary School, Shishu Shala Public School, RBS Modern Public School, Ahir College and Shaheed Baghat Singh College, apart from few others. Also for recreational and shopping purposes, one can avail the malls and shopping complexes of HUDA Mall, Super Saver Bazaar, BMG Mall, etc at arms distance from here. Also, the City Park in Sector 19 acts as a major landmark for people of all ages to engage in social activities or games and thus be connected with green nature. With every kind of necessity at easy reach, Sector 19 is a promising locality for a good and convenient life.
Explore Neighbourhood - Map View
Essentials Banks | Hospitals | Schools | Parks
- Bank/ATMsNone in this Area
- HospitalsNone in this Area
- SchoolsNone in this Area
- ParksNone in this Area
Amenities Groceries | Pharmacies | Shopping Malls
- GroceriesNone in this Area
- PharmaciesNone in this Area
- Shopping MallsNone in this Area
Entertainment Restaurants | Movie Theatres | Bars
- RestaurantsNone in this Area
- Movie TheatresNone in this Area
- BarsNone in this Area
Commute Bus | Train | Air
- Bus StopsNone in this Area
- Railway StationsNone in this Area
- AirportsNone in this Area
BMG Elegant Homes Developer Information
B M Gupta Developers Pvt. Ltd.
Established in
Total Projects
B M Gupta Developers Pvt. Ltd. is a well-known name in the real estate industry that has created world-class projects. Their experience in program management, construction management and resource management can be of value to all types of clients needing construction services. They approach each project with professionalism and personal attention that has established a unique place for them in the industry. Rich experience, commitment to quality and meeting expectations have been the key elements that make B M Gupta Developers Pvt. Ltd. a reliable and trustworthy entity.Read Less Read More
More Projects by B M Gupta Developers Pvt. Ltd.
Housing.com is a not a marketing partner for this real estate project ("Project") and is not acting on behalf of the developer of this Project. The Project has been displayed for information purposes only. The information displayed here is not provided by the developer. The information and data published on this Project are collected from publicly available sources. This shall not be construed as an offer for sale or an advertisement for sale by Housing.com or by the developer. Housing.com does not in any way facilitate the sales between the developer of this Project and the visitors/users of the website. Housing.com does not and shall not be deemed to validate or confirm the veracity of the information or guarantee its authenticity. Before deciding to purchase or taking any other action, you are requested to exercise due caution and independently validate and verify all information about the project.Read disclaimer.


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If you are a mother, have a mother, had a mother, know a mother or have ever seen a mother, this is the show for you. In this show my sister Regina and I will talk about motherhood and how this institution has effected us. We will give appreciation to our own mother. Callers are welcome to call in and express their own love for their mothers.
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Product description
This pretty dress features a lace fabric, long sleeves and high neck. Perfect for your next night out.
- Lace dress
- High neck
- Long sleeves
- Perfect party dress
- Designed in a mini length (back measurement 92cm approx)
- Fastening: zip
- Unlined
- 100% polyester
- Hand wash only
- Model wears UK size 8/EUR size 36/US size 4
- Model Height: 5ft 9inches/175cm
- This product is not available for British Forces Post Office and Channel Islands deliveries
Good things come to those who joinEnjoy an EXTRA 10% OFF* when you open a Debenhams credit card
*T&Cs apply. Credit available to over 18s & subject to status. Provided by NewDay Ltd. UK only
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Subject to exceptions, Debenhams is happy to exchange or refund your purchase within 28 days of delivery. Please check here for more details on our returns policy and exceptions.See more information


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Applying deodorant is not a rocket science, still people sometimes make mistake while spraying on deodorant sprays. Read ahead to find more about the do's and don'ts of deodorants.
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Single Family Detached
- 4 beds
- 2 baths
- $145,000 price
- 413096 mls id
- Square Feet: 2,210 sqft
- Year Built: 1964
This ranch is a must see! The homes features include: 4 bedrooms, 2 baths, hardwood and tile flooring, two gas fireplaces, and a large level back yard. The remodel to include tile floors, backyard fence, plumbing, and in the basement a total remodel with a family room and bedroom suite. *** Buyer to verify all information herein. All information taken from 3rd party and tax records. ***
- Site Link
- Style 1 Level Ranch
Related Listings
Single Family Detached
36 Pictures
This home features 4 bedrooms, 3 full baths, fenced in backyard, newer roof, windows, heat pump, and downstairs bath has been completely remodeled. The location is very close to downtown, I-81, and the hospital. Also, you can enjoy one or both of the fireplaces and outdoor fire-pit. ***Buyer to...
4 beds, 3 baths, 2,450 sqft, $145,000
Courtesy of: Legacy
Listing Agent: Daniel Jackson
Updated: 18th February, 2019 4:46 PM.
2306 King Mill Pike Bristol, VA


text:
address N0.2500,Xiupu Road, Kangqiao Industrial Area, Pudong, Shanghai
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Barry became a Fellow of the Royal Photographic Society in 1990 and was awarded the 1991 Fenton Medal of the RPS including Honorary Membership of the RPS. Work from this period can be found in collections in the UK , Europe and North America. He gave up full-time teaching in 1998 and he is now involved with photography full-time. Since 1998 he has had the time to develope my Wildlife Photography, much of which, has been accepted in International Exhibitions in the Uk and around the world.
Find examples of his work on his website.
A free tea or coffee will be served during the interval.
To find out more about Guildford Photographic Society, and joining us as a member, please visit our website.


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What A Partnership Between NEM, Ripple And Cardano Could Hold
There have been four blockchain firms, Fetch.AI, NEM, Ripple, Emurgo and Cardano which have all started to work together to create an association of European blockchain organisations, Blockchain for Europe. According to the new organisation, the policy debate in Europe has been fragmented, so that the firm's objectives are to foster the understanding of blockchain potential within the EU.
In November, the association hosted a summit which brought stakeholders together from around the world in talking about issues such as governance, trade, identity, transport and so on.
The head of regulatory relations, Dan Morgan said that "this is a critical time for policymakers in Europe as they seek to develop the right regulatory framework to capture the benefits of both digital assets and blockchain technology."
Co-founder and president of the NEM foundation, Kristof Van de Reck also commented on the matter saying:
"There is a lack of unbiased information especially when it comes to the open and decentralised application of the technology. By joining forces with different stakeholders that have blockchain at the core of their business, we aim to provide insights which are not tailored to the agenda of specific organisations or stakeholders."
This last statement is provided by a firm which provides blockchain.
The Chief Technical Officer and co-founder at Fetch.AI Toby Simpson commented saying:
"The convergence of technologies like machine learning, AI and decentralised ledgers delivers the opportunity for a world where technology works more effectively for the benefit of us all."
Blockchain in Europe is looking to the future for engaging in conversations with policymakers relevant industry players and academia.
Remaining on the same topic, the banking giant Santander and BBVA were two of the banks which were involved in the European Commission's planned launch of the International Association for Trusted Blockchain Applications in 2019.
BBVA said that the purpose of this publicly sponsored initiative is to "garner support from private blockchain and DLT experts to contribute to outline the EU's strategy regarding these technologies."
The head of research and development at BBVA, Carlos Kuchkovsky commented on the matter saying:
"Blockchain and other new technologies – artificial intelligence (AI), for example – have to be understood as simple pieces that make digital ecosystems reliable."
Source: Crypto Daily
XRP Price Stable Against Coinmotion Criticism
On Feb 15, the XRP is moving up slightly, trading at $0.3089.
Over a few weeks, the crypto has been forming a triangle, still without testing either the resistance or the support. The MACD is however moving up, which makes the resistance breakout at 0.3047 more likely; this may then push the price to 0.3230. The overall trend is descending, though, so once the resistance at 0.3047 gets broken out, the price may also be sent to the support at 0.2899 and then break it out, heading towards the midterm support at 0.2804, and the target at $0.2470.
Coinmotion, a crypto exchange based on Finland, added the XRP to its portfolio. At the same time, the exchange published an article called XRP Is a Centralized Digital Currency, saying that the altcoin is not really a crypto.
The article author, Pessi Peura, says the investing process shows that Ripple is more like a security than a crypto. Besides, the token is developed by a single company, which is risky: in case Ripple Labs loses its reputation in any way, the XRP will have big problems.
Finally, Peura says Ripple Labs is controlling its tokens, which is totally against the decentralized network principles. This is actually the most curious thing, as Ripple Labs says its token is autonomous, and no monopoly is possible.
Ripple has not commented on the article yet, but is likely to comment soon, as the company is usually quick at reacting at any criticism in the media. Most likely, Ripple Labs will say the usual thing regarding XRP having nothing to do with securities.
Any predictions contained herein are based on the authors' particular opinion. This analysis shall not be treated as trading advice. RoboForex shall not be held liable for the results of the trades arising from relying upon trading recommendations and reviews contained herein.
Bank-based Cryptocurrencies Not Realistic: Ripple CEO
ipple Chief Executive Officer (CEO) Brad Garlinghouse recently said that bank-based cryptocurrencies are not realistic and he believes they are "deeply misguided" for the entire industry.
These remarks come in the wake of the news reports that announced that the international bank, JP Morgan was all set to announce its own coin, JPM token. As earlier reported by Crypto-News India, the trials for the cryptocurrency, named as "JPM Coin" will begin in a few months and is designed for instant settlement of payments between clients. With the launch of its new cryptocurrency, the bank is preparing for the future to settle the transactions at lightning speed similar to that of Bitcoin rather than relying on old technology like wire transfers.
At the time, Umar Farooq, J.P. Morgan's Head of Blockchain projects had said, "So anything that currently exists in the world, as that moves onto the blockchain, this would be the payment leg for that transaction. The applications are frankly quite endless; anything, where you have a distributed ledger which involves corporations or institutions, can use this."
This is not the first time Garlinghouse expressed doubts about bank-based cryptocurrencies. In 2016, he had reportedly said, "A bank-issued digital asset can only really efficiently settle between the banks who issued it. Then, two scenarios can play out."
Detailing those scenarios, the Ripple CEO had stated, "Scenario one: all banks around the world put aside competitive and geopolitical differences, adopt the same digital asset, agree on its rules, and harmoniously govern its usage. Fat chance. Scenario two (the more likely scenario): banks not in the issuing group issue their own digital assets with their own sets of rules and governance."
Throwing in a good word about XRP, the CEO said, "We strongly believe banks need an independent digital asset to enable truly efficient settlement and we believe XRP is best positioned for that role."
It remains to be seen, how exactly XRP intends to do what it had set out to do.
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Ripple new version of XRP Ledger 1.2.0 launched
- XRP Ledger requested to update the code before February 27.
- XRP Ledger 1.2.0 is more resistance to censorship.
The San-Francisco-based blockchain company Ripple is reported to have released a new version of its renowned XRP ledger 1.2.0. The new version is designed to improve user experience as well expand the range of services it is offering.
The users of the ledger are requested to update to the latest version before February 27, 2019. The upgrade is vital because without it, the server won't be able to determine the authenticity of the ledger and in return transactions will not be processed neither will they be submitted.
What has changed?
The new version according to the team at Ripple, is more resistance to censorship. This means that the transaction being processed cannot be determined by any single entity. Moreover, the transaction will remain immutable after entering the ledger. While the previous version was resistance to censorship, the team claims that this version greatly improves the feature. Warnings will be issued if there are attempts to interrupt the working of the ledger.
Furthermore, the upgrade has integrated what is commonly referred to as MultiSignReserve amendment. Ripple has now made it easier who take part in signing transactions while reserving only 5 XRP. Other updates included bug fixing and removal of errors on two transactions.
The company has also launched a bounty program. Developers have been requested to review all the updates in the new version and communicate to the company in the event any vulnerabilities are detected.