text:
2017 October Fortinet Official New Released NSE4 Dumps in Lead2pass.com!
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Following questions and answers are all new published by Fortinet Official Exam Center: https://www.lead2pass.com/nse4.html
What capabilities can a FortiGate provide? (Choose three.)
A. Mail relay.
B. Email filtering.
C. Firewall.
D. VPN gateway.
E. Mail server.
Answer: BCD
Which network protocols are supported for administrative access to a FortiGate unit? (Choose three.)
D. Telnet
Answer: CDE
Which is an advantage of using SNMP v3 instead of SNMP v1/v2 when querying a FortiGate unit?
A. MIB-based report uploads.
B. SNMP access limited by access lists.
C. Packet encryption.
D. Running SNMP service on a non-standard port is possible.
Answer: C
What logging options are supported on a FortiGate unit? (Choose two.)
B. Syslog
C. FortiAnalyzer
Answer: BC
What is the maximum number of FortiAnalyzer/FortiManager devices a FortiGate unit can be configured to send logs to?
Answer: C
Regarding the header and body sections in raw log messages, which statement is correct?
A. The header and body section layouts change depending on the log type.
B. The header section layout is always the same regardless of the log type. The body section layout changes depending on the log type.
C. Some log types include multiple body sections.
D. Some log types do not include a body section.
Answer: B
In HA, the option Reserve Management Port for Cluster Member is selected as shown in the exhibit below.
Which statements are correct regarding this setting? (Choose two.)
A. Interface settings on port7 will not be synchronized with other cluster members.
B. The IP address assigned to this interface must not overlap with the IP address subnet assigned to another interface.
C. When connecting to port7 you always connect to the master device.
D. A gateway address may be configured for port7.
Answer: AD
The exhibit shows the Disconnect Cluster Member command in a FortiGate unit that is part of a HA cluster with two HA members.
What is the effect of the Disconnect Cluster Member command as given in the exhibit.
(Choose two.)
A. Port3 is configured with an IP address for management access.
B. The firewall rules are purged on the disconnected unit.
C. The HA mode changes to standalone.
D. The system hostname is set to the unit serial number.
Answer: AC
Which firewall objects can be included in the Destination Address field of a firewall policy? (Choose three.)
A. IP address pool.
B. Virtual IP address.
C. IP address.
D. IP address group.
E. MAC address.
Answer: BCD
Which header field can be used in a firewall policy for traffic matching?
A. ICMP type and code.
C. TCP window size.
D. TCP sequence number.
Answer: A
The order of the firewall policies is important. Policies can be re-ordered from either the GUI or the CLI. Which CLI command is used to perform this function?
A. set order
B. edit policy
C. reorder
D. move
Answer: D
Examine the following CLI configuration:
config system session-ttl
set default 1800
What statement is true about the effect of the above configuration line?
A. Sessions can be idle for no more than 1800 seconds.
B. The maximum length of time a session can be open is 1800 seconds.
C. After 1800 seconds, the end user must re-authenticate.
D. After a session has been open for 1800 seconds, the FortiGate sends a keepalive packet to both client and server.
Answer: A
In which order are firewall policies processed on a FortiGate unit?
A. From top to down, according with their sequence number.
B. From top to down, according with their policy ID number.
C. Based on best match.
D. Based on the priority value.
Answer: A
Which statements are true regarding local user authentication? (Choose two.)
A. Two-factor authentication can be enabled on a per user basis.
B. Local users are for administration accounts only and cannot be used to authenticate network users.
C. Administrators can create the user accounts is a remote server and store the user passwords locally in the FortiGate.
D. Both the usernames and passwords can be stored locally on the FortiGate
Answer: AD
Examine the following spanning tree configuration on a FortiGate in transparent mode:
config system interface
edit <interface name>
set stp-forward enable
Which statement is correct for the above configuration?
A. The FortiGate participates in spanning tree.
B. The FortiGate device forwards received spanning tree messages.
C. Ethernet layer-2 loops are likely to occur.
D. The FortiGate generates spanning tree BPDU frames.
Answer: B
Two devices are in an HA cluster, the device hostnames are STUDENT and REMOTE. Exhibit A shows the command output of diagnose sys session stat for the STUDENT device. Exhibit B shows the command output of diagnose sys session stat for the REMOTE device.
Exhibit A:
Exhibit B:
Given the information provided in the exhibits, which of the following statements are correct? (Choose two.)
A. STUDENT is likely to be the master device.
B. Session-pickup is likely to be enabled.
C. The cluster mode is active-passive.
D. There is not enough information to determine the cluster mode.
Answer: AD
An administrator has formed a high availability cluster involving two FortiGate units.
[ Multiple upstream Layer 2 switches] — [ FortiGate HA Cluster ] — [ Multiple downstream Layer 2 switches ]
The administrator wishes to ensure that a single link failure will have minimal impact upon the overall throughput of traffic through this cluster.
Which of the following options describes the best step the administrator can take?
The administrator should _____________________.
A. Increase the number of FortiGate units in the cluster and configure HA in active-active mode.
B. Enable monitoring of all active interfaces.
C. Set up a full-mesh design which uses redundant interfaces.
D. Configure the HA ping server feature to allow for HA failover in the event that a path is disrupted.
Answer: C
In a high availability cluster operating in active-active mode, which of the following correctly describes the path taken by the SYN packet of an HTTP session that is offloaded to a slave unit?
A. Request: internal host; slave FortiGate; master FortiGate; Internet; web server.
B. Request: internal host; slave FortiGate; Internet; web server.
C. Request: internal host; slave FortiGate; master FortiGate; Internet; web server.
D. Request: internal host; master FortiGate; slave FortiGate; Internet; web server.
Answer: D
Two FortiGate devices fail to form an HA cluster, the device hostnames are STUDENT and REMOTE. Exhibit A shows the command output of show system ha for the STUDENT device. Exhibit B shows the command output of show system ha for the REMOTE device.
Exhibit A:
Exhibit B
Which one of the following is the most likely reason that the cluster fails to form?
A. Password
B. HA mode
C. Hearbeat
D. Override
Answer: B
Which IPsec configuration mode can be used for implementing GRE-over-IPsec VPNs?.
A. Policy-based only.
B. Route-based only.
C. Either policy-based or route-based VPN.
D. GRE-based only.
Answer: B
You are the administrator in charge of a FortiGate acting as an IPsec VPN gateway using route-based mode. Users from either side must be able to initiate new sessions. There is only 1 subnet at either end and the FortiGate already has a default route.
Which two configuration steps are required to achieve these objectives? (Choose two.)
A. Create one firewall policy.
B. Create two firewall policies.
C. Add a route to the remote subnet.
D. Add two IPsec phases 2.
Answer: BC
An administrator wants to create an IPsec VPN tunnel between two FortiGate devices.
Which three configuration steps must be performed on both units to support this scenario? (Choose three.)
A. Create firewall policies to allow and control traffic between the source and destination IP addresses.
B. Configure the appropriate user groups to allow users access to the tunnel.
C. Set the operating mode to IPsec VPN mode.
D. Define the phase 2 parameters.
E. Define the Phase 1 parameters.
Answer: ADE
What is IPsec Perfect Forwarding Secrecy (PFS)?.
A. A phase-1 setting that allows the use of symmetric encryption.
B. A phase-2 setting that allows the recalculation of a new common secret key each time the session key expires.
C. A `key-agreement' protocol.
D. A `security-association-agreement' protocol.
Answer: B
An administrator has configured a route-based site-to-site IPsec VPN. Which statement is correct regarding this IPsec VPN configuration?
A. The IPsec firewall policies must be placed at the top of the list.
B. This VPN cannot be used as part of a hub and spoke topology.
C. Routes are automatically created based on the quick mode selectors.
D. A virtual IPsec interface is automatically created after the Phase 1 configuration is completed.
Answer: D
A FortiGate is configured to receive push updates from the FortiGuard Distribution Network, however, updates are not being received.
Which are two reasons for this problem? (Choose two.)
A. The FortiGate is connected to multiple ISPs.
B. There is a NAT device between the FortiGate and the FortiGuard Distribution Network.
C. The FortiGate is in Transparent mode.
D. The external facing interface of the FortiGate is configured to get the IP address from a DHCP server.
Answer: BD
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text:
Google is going to start helping you spread the word about your awesome retail experience. They've launched a new service where they'll be essentially tying your Google Local results with photos from inside your store…and they are supplying the photographers!
I've been writing for a long time about the importance of your Personal Experience Factor. Your reward for getting it right is that you may qualify for being one of the first to be featured in this new service from Google.
According to this story from ReadWriteWeb, "The company says the photographs will be taken by professionals trained in low lighting, will be as unobtrusive as possible, will initially be traditional in format and will be stitched together to form panoramas in the future."
So, if your jewelry store promises the largest selection of engagement rings in Winnipeg on your radio ads, perhaps Google will step in and help you offer the proof via Business Photos.
My question: What about service businesses like HVAC, or plumbing or roofing? If you're busy roofing Portland, you probably don't have much of a retail presence. Wouldn't it be great if Google would jump in your service van with you and take some job site photos? Not very likely until after they've been inside every retailer. So, you'd better be doing it yourself. Just saying.
Here's the link to find out more about Google Business Photos.

subset: commoncrawl


text:
There is no photo as I am on the road and do not have access to my photos.
On to the top three for challenge #301:
These beautiful cards are displayed in no particular order. Great job, ladies and congrats!
Our sketch this week is from Donna:
Optional theme: Bling for New Years!
And here are the examples from the team:
Great cards, team! Truly beautiful and unique! Thanks so much to everyone on our team for their efforts throughout the year.
Remember, everyone, that you have two weeks to get your card done if you want to play along. Hope you have some creative fun!
****Note: There will be no sketch next week so that our team can have a little rest but we will begin again the following week. Hope you all enjoy your New Year!


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Validate the CVaR Portfolio Problem
Sometimes, you may want to validate either your inputs to, or outputs from, a
portfolio optimization problem. Although most error checking that occurs during the
problem setup phase catches most difficulties with a portfolio optimization problem, the
processes to validate CVaR portfolio sets and portfolios are time consuming and are best
done offline. So, the portfolio optimization tools have specialized functions to
validate CVaR portfolio sets and portfolios. For information on the workflow when using
objects, see PortfolioCVaR Object Workflow.
Validating a CVaR Portfolio Set
Since it is necessary and sufficient that your CVaR portfolio set must be a
nonempty, closed, and bounded set to have a valid portfolio optimization problem,
the estimateBounds
function lets you
examine your portfolio set to determine if it is nonempty and, if nonempty, whether
it is bounded. Suppose that you have the following CVaR portfolio set which is an
empty set because the initial portfolio at 0
is too far from a
portfolio that satisfies the budget and turnover
p = PortfolioCVaR('NumAssets', 3, 'Budget', 1); p = setTurnover(p, 0.3, 0);
If a CVaR portfolio set is empty, estimateBounds
bounds and sets the isbounded
flag to
[lb, ub, isbounded] = estimateBounds(p)
lb = NaN NaN NaN ub = NaN NaN NaN isbounded = []
Suppose that you create an unbounded CVaR portfolio set as follows:
p = PortfolioCVaR('AInequality', [1 -1; 1 1 ], 'bInequality', 0); [lb, ub, isbounded] = estimateBounds(p)
lb = -Inf -Inf ub = 1.0e-008 * -0.3712 Inf isbounded = 0
returns (possibly
infinite) bounds and sets the isbounded
flag to
. The result shows which assets are unbounded so that
you can apply bound constraints as necessary.Finally, suppose that you created a CVaR portfolio set that is both nonempty and
bounded. estimateBounds
not only validates
the set, but also obtains tighter bounds which are useful if you are concerned with
the actual range of portfolio choices for individual assets in your portfolio
p = PortfolioCVaR; p = setBudget(p, 1,1); p = setBounds(p, [ -0.1; 0.2; 0.3; 0.2 ], [ 0.5; 0.3; 0.9; 0.8 ]); [lb, ub, isbounded] = estimateBounds(p)
lb = -0.1000 0.2000 0.3000 0.2000 ub = 0.3000 0.3000 0.7000 0.6000 isbounded = 1
In this example, all but the second asset has tighter upper bounds than the input upper bound implies.
Validating CVaR Portfolios
Given a CVaR portfolio set specified in a PortfolioCVaR
you often want to check if specific portfolios are feasible with respect to the
portfolio set. This can occur with, for example, initial portfolios and with
portfolios obtained from other procedures. The checkFeasibility
determines whether a collection of portfolios is feasible. Suppose that you perform
the following portfolio optimization and want to determine if the resultant
efficient portfolios are feasible relative to a modified problem.
First, set up a problem in the PortfolioCVaR
, estimate efficient portfolios in pwgt
and then confirm that these portfolios are feasible relative to the initial problem:
m = [ 0.05; 0.1; 0.12; 0.18 ]; C = [ 0.0064 0.00408 0.00192 0; 0.00408 0.0289 0.0204 0.0119; 0.00192 0.0204 0.0576 0.0336; 0 0.0119 0.0336 0.1225 ]; m = m/12; C = C/12; AssetScenarios = mvnrnd(m, C, 20000); p = PortfolioCVaR; p = setScenarios(p, AssetScenarios); p = setDefaultConstraints(p); p = setProbabilityLevel(p, 0.95); pwgt = estimateFrontier(p); checkFeasibility(p, pwgt)
ans = 1 1 1 1 1 1 1 1 1 1
Next, set up a different portfolio problem that starts with the initial problem with an additional a turnover constraint and an equally weighted initial portfolio:
q = setTurnover(p, 0.3, 0.25); checkFeasibility(q, pwgt)
ans = 0 0 0 1 1 0 0 0 0 0
. Solving the second problem using checkFeasibility
demonstrates that
the efficient portfolio for PortfolioCVaR
is feasible relative to the initial problem:
qwgt = estimateFrontier(q); checkFeasibility(p, qwgt)
ans = 1 1 1 1 1 1 1 1 1 1
See Also
| estimateBounds
| checkFeasibility
Related Examples
- Creating the PortfolioCVaR Object
- Working with CVaR Portfolio Constraints Using Defaults
- Estimate Efficient Portfolios for Entire Frontier for PortfolioCVaR Object
- Estimate Efficient Frontiers for PortfolioCVaR Object
- Asset Returns and Scenarios Using PortfolioCVaR Object
- Hedging Using CVaR Portfolio Optimization
- Compute Maximum Reward-to-Risk Ratio for CVaR Portfolio


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Ads by Project Wonderful! Your ad could be here, right now.
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Once upon a time, just off the coast of New Zealand, there lived a happy tetrad of Deinococcus radiodurans bacteria.
As our tetrad of bacteria exited their sewer pipe, they marveled at the beauty of the ocean. This specific tetrad happened to be very proud of itself, and rightly so.
A nearby diatom happened to overhear the tetrad, and disagreed loudly.
A small isopod, overhearing the diatom, also stepped in.
The isopod boasted so loudly, that a nearby bony fish could not help but reply.
A tuatara, unimpressed by the fish's logic, scoffed from a nearby rock.
The tuatara was overheard by a nearby rook, who crowed loudly.
Steve, who had been listening to the entire argument thus far, was ready to set all the others straight.
Ads by Project Wonderful! Your ad here, right now: $0
© 2006-2012 by Arad Kedar.


text:
University of Connecticut officials have discussed creating helmet stickers, warm-up T-shirts and altering athletic uniforms in other ways to show support for the Black Lives Matter movement.
The school last month committed to joining others in the Big East conference in adding BLM patches to basketball jerseys.
But emails obtained by The Associated Press through a Freedom of Information request show discussions dating back to June and involving all sports at the school.
Those talks accelerated after the the NCAA's Rules Oversight Panel on July 30 approved rules to allow student-athletes in all sports to wear social justice messages on their uniforms.
"My plan is to ask the Administration if we will allow teams to participate," Daniel Glinski, the school's assistant athletic director for equipment services, wrote to other members of the department that afternoon. "My guess would be yes. If so, then I'll confirm if we're going to have one patch or allow each team to have one."
Chris Stasaitis, the equipment manager for the basketball program, wrote that he would prefer something less permanent than a uniform patch.
"I would strongly recommend something secondary or replaceable such as a shooting/warm up/deck/bench shirt, a helmet decal, or something like that, if I were asked," he wrote. "Also, a unified message, if at all possible. Patches sound good in theory, but finding room for them might be difficult and patches also tend to ruin jerseys and become a permanent part of them. We also would be talking about hundreds of jerseys, so do we really want to go that route?"
The emails show Glinski also expressed some concerns about a social justice patch.
"Will all student athletes be required to wear the patch, or is this an individual choice?" he wrote. "There will need to be an understanding that if we put a patch on the uniform, that will not be taken off, once applied."
The Big East announce on Aug. 20 that UConn and other members schools would wear a BLM patch on its jerseys.
That came as a result of a push by Coaches for Action, a group of assistant basketball coaches that includes Kimani Young, the associate head coach of UConn's men's team.
A department spokesman could not say what will happen with other athletic teams or whether students can opt out of wearing a patch. He also did not have information on how much the school estimates it would cost to augment uniforms to show support for the social justice initiative.
"We are still in the process of working towards all those decisions and trying to gain clarity on a start date for competition for all our sports," spokesman Patrick McKenna said in an email. "Once we have some clarity on those decisions we should have some answers to your questions."
The UConn women's basketball team was one of the first collegiate sports programs to issue a statement in support of the Black Lives Matter movement after Minneapolis police killed George Floyd in May.
Since then, basketball players have hinted on several occasions that they are planning something beyond just uniform patches when and if the season begins.
"I believe as athletes that we have this platform, especially here, we have a platform and a voice and we should use it, especially on topics like this that have been going on for hundreds of years," center Olivia Nelson-Ododa said last month. "And so the ability to speak out about it and advocating for the Black Lives Matter movement is very important to me, and I know for the rest of my team as well."


text:
Maximize your investment in Microsoft Excel by mastering its pivot table features. In this practical hands-on course, you will discover how to use different layout, subtotaling, and filtering options and discover a variety of advanced techniques for pivot tables, including Pivot Charts, Timelines, and Slicers. You will also master data analysis by learning how to quickly and easily summarize your data.
Wouldn't it be great to learn how to effectively use all the advanced Excel pivot table features? In this practical and information-packed course, you will learn how to maximize this program's functions and capabilities.
Most organizations rely heavily on Microsoft Excel pivot tables to analyze and report financial information. Your company is probably no exception. By learning these advanced techniques, you can become more valuable to your organization.
This course will teach you how to utilize the numerous pivot tables to develop useful analysis models and reports within your company. Impress your coworkers by learning how to create functional and eye-catching interactive dashboards using a combination of pivot tables, Pivot Charts, and Slicers. You will discover advanced techniques for pivot tables, like creating Timelines, calculated fields, and calculated items. You will learn how to use Excel's Table function to efficiently manage changes to the pivot table's source data in order to avoid making mistakes when data is added or deleted.
In your first lesson, you will develop a solid understanding of the requirements to use pivot tables. This lesson introduces the foundational elements needed to understand and get the most out of pivot tables.
Not all data is created equal. In this lesson, you will learn what's required to make sure your data is organized well enough to be used in a pivot table. You will discover a very common issue that occurs when the source data changes and you how to easily eliminate that issue.
Working efficiently with pivot tables requires knowing where to find the proper pivot table feature without searching high and low for it. Most pivot table features reside on one of the two pivot table Ribbon tabs. This lesson introduces the different features that are grouped and what each one provides.
Learn to group ordinary pivot table fields, which will create new fields that you can use within the pivot table or as a Slicer. In addition, you'll learn how to expand and collapse fields to help in summarizing the pivot table data. Then learn how to locate data anomalies in large data sets and the proper use of report filters which can assist in any data investigation as well as a great tool for creating multiple reports from a single pivot table report.
Most users may not know that there are certain options and settings that provide little-known but extremely useful features. Most of these features are accessed through the pivot table Ribbon tabs, but some are not. In this lesson, you will learn how to use some of the more obscure settings in the Pivot Table Options and Field Settings dialog boxes.
Similar to the Field Settings, the Values section of a pivot table report has unique settings and summarization options. For most people, simply summing or counting the data within the Values section is enough. But once you learn how to use these lesser-known settings, you will go from an average pivot table user to an expert.
A pivot table is ideal for analyzing and summarizing data. By default, the table does an excellent job at summarizing the data within the various fields, but there is a way to summarize the data even further. This lesson will show you how to group ordinary pivot table fields, which will create new fields that you can use within the pivot table or as a Slicer. In addition, you will learn how to expand and collapse fields to help in summarizing the pivot table data.
A pivot table is a great way to locate data anomalies in large data sets that would otherwise be hard to find scanning through the source table. In addition, the proper use of report filters can assist in any data investigation, as well as providing a great tool to create multiple reports from a single pivot table report. You will learn all about these tools in this lesson.
Pivot tables are extremely useful and flexible for data analysis and reporting. It's easy to add, remove, or simply move fields to create different-looking reports from the same source data. This lesson focuses on creating different versions of reports and the different techniques needed to do so.
Pivot tables are great for analyzing and reporting information, but they're limited in their functionality when your source data is missing needed information. Or, perhaps the information isn't needed in the source data and is only needed for analysis for a short time. This lesson will demonstrate how to use Excel's Calculated Items and Fields feature to create items that are missing from the source data.
Your pivot table isn't complete without a Slicer and pivot chart. In order to create an effective dashboard, you'll need a pivot table and a pivot chart controlled by multiple Slicers. This lesson focuses on creating and managing Slicers and Pivot Charts.
In the final lesson, you will learn about the many interactive tools and techniques available to make pivot tables and pivot charts fun to use. Similar to a Slicer, Excel offers a tool called Timelines. Timelines are available when a field available in your pivot table or chart is a date. Within a dashboard, using the Timeline feature can be useful and eye catching to the users.
There are no prerequisites to take this course.
Hardware Requirements:
Software Requirements:
Instructional Material Requirements:
The instructional materials required for this course are included in enrollment and will be available online.
Chad Wambolt
Chad Wambolt has spent his entire professional career in the finance field, working for both private and publicly-held companies with sales ranging from $500 million to $3 billion. He is a graduate of Boise State University, where he obtained his bachelor's degree in accounting. Through the course of his career, Wambolt became an expert user of Microsoft Excel. Since 1997, he has taught Excel to students of varying skill levels and helped organizations streamline internal processes.
I did not know anything about pivot charts, but have used Excel for years. I really enjoyed the course and will use pivot charts in the future.
I loved how this course walked me through all aspects of a pivot table, pivot charts, slicers, timelines, and pulled it all together at the end when we created an awesome, interactive dashboard using all these features. My boss was very impressed when I showed her my results. Thank you for making me a pivot table expert.
I've worked with pivot tables for years, but learned tons of information I hadn't heard of or used before. Thank you!


text:
Amphibians of Costa Rica is the first in-depth field guide to all 206 species of amphibians known to occur in Costa Rica or within walking distance of its borders. A diminutive nation with abundant natural wealth, the country is host to 146 species of frogs and toads. Frogs of gemlike beauty and dizzying variety abound: some species can fit on the end of a human finger; others would take two hands to hold. In the rainforests, you can find frogs capable of gliding from high in the treetops to the forest floor, some that carry their eggs or their tadpoles around on their back, and others that secrete glue-like substances from their skin that are capable of sticking shut the mouth of attacking snakes.
Costa Rica is also home to fifty-three species of lungless salamanders, whose unique adaptations and abilities have allowed them to colonize habitats inaccessible to other amphibians. In addition to the spectacularly diverse salamanders, frogs, and toads found in the country, Amphibians of Costa Rica includes the caecilians – bizarre and highly specialized creatures that somewhat resemble giant worms.
Author, photographer, and conservation biologist Twan Leenders has been studying the herpetofauna of Central America for more than twenty years. Leenders and his team of researchers have immersed themselves in the rainforests, dry forests, and swamps of Costa Rica – toting portable photo studios – to put together the richest collection of photographs of Costa Rican herpetofauna known to exist. In addition to hundreds of photographs, range maps, morphological illustrations, and precise descriptions of key field characteristics, Amphibians of Costa Rica offers a wealth of natural history information, describing prey and predators, breeding strategies, habitat, and conservation status.


text:
I like people that disagree with me and I would love BondInvestor to get in contact...
MTG, PMI, RDN and even ORI and GNW are all buys.
the best way to think about MI conceptually is as a bridge loan. if home prices collapse or the borrower loses a job in the first 3 yrs, the loan goes bad. otherwise, it's a solid investment.
the critical question to getting these stocks right is the level of cumulative defaults on 06/07 flow business. 05 is bad, but not catastrophic. the bulk business has already been written off. therefore, the only lingering uncertainty is what the level of defaults on 06/07 will be.
here is how to answer the question. MGIC's total claims paying resources (investments + collateralized reinsurance recoverable + the present value of installment premiums) is roughly $13B. that is 24% of the total risk in force. the subprime debacle (for which you were right to short the stock) will end up costing them about 8% of risk in force on a cash basis. that leaves 16% of risk in force (roughly $9B) available to satisfy claims on 06/07 business.
that leaves roughly 2/3rds of the claims paying ability ($9B) available to satisfy losses on flow business. the problems are concentrated in 06/07. the total risk in force on 06/07 is roughly $20B (may be high). so in order for MGIC to go bust, roughly 4/10 06/07 vintage loans must go belly up.
so how likely is that? well, if you obtain copies of MI annual statements, you can recreate loss triangles by accident year. they will show you that, over time, the cumulative default rate on a flow book is around 2%. it also demonstrates that by year 3, somewhere between 30 and 50% of lifetime defaults have been recognized.
you can use the loss triangles and historical seasoning curves to develop a rough model of what lifetime defaults will be on the 06/07 books, given the experience to date. they suggest cum defaults in the range of 10-15%. now, 06/07 only accounts for 40% of the flow book, so the total contribution to loss frequencies will probably by somewhere in the 4-6% range.
this analysis suggests that, far from being insolvent, there is actually tremendous value here that has been unrecognized by the market. the stocks are 10-20 baggers over a 5 year time frame.
that being said, i think all parts of the capital structure of these companies are interesting. for those who are intrigued by the analysis, but scared to own the equities, i'd point to RDN and PMI holding company debt. you are getting 13-25% YTM (face value 55-80% of par) for a senior interest in the holding company that owns the regulated MI subsidiary.
My further objection is that statutory capital deficiency happens way earlier than this - and stat capital deficiency will close the business as per TGIC.
But I remain to be convinced otherwise - and I have had a go at reconstructing Magic's loss triangles (with help from a reader) and we got not very far (probably because we gave up early).
If Bond Investor would like to share with me I would much appreciate it.


text:
2902.0 - Census Update, Aug 2002
ARCHIVED ISSUE Released at 11:30 AM (CANBERRA TIME) 08/11/2002
Page tools: Print Page Print All | ||
A periodic newsletter to keep clients informed of developments in Census products and services. Highlights recent and forthcoming releases, provides comments on census data and advises of user forums. Document Selection These documents will be presented in a new window. |


text:
Seed and seed genebanks
Handbooks for Genebanks No. 1:
The Design of Seed Storage Facilities for Genetic Conservation (3.5 MB)
This is an in-depth report of the factors to be taken into consideration when designing seed storage facilities for genetic conservation. (Revised 1990).
Authors: Cromarty, A.S.; Ellis, R.H.; Roberts, E.H.
Publication Year: 1982
Pages: 100
Language: English
Handbooks for Genebanks No. 2:
Handbook of Seed Technology for Genebanks Vol I: Principles and Methodology
This first volume of seed technology for genebanks deals with many of the principles of seed testing which need to be understood when monitoring the viability of seed accessions maintained in genebanks. It is the second in a general series of genebank handbooks. (Reprinted 1989)
Authors: Ellis, R.H.; Hong, T.D.; Roberts, E.H.
Publication Year: 1985
Pages: 210
Language: English
Handbooks for Genebanks No. 3:
Handbook of Seed Technology for Genebanks Vol II: Compendium of Specific Germination Information and Test Recommendations
This second volume on seed technology for genebanks provides general approaches, detailed information, guidance and, when available, prescriptions for removing dormancy and germinating the seeds. It is the third in a general series of genebank handbooks. (Reprinted 1989)
Authors: Ellis, R.H.; Hong, T.D.; Roberts, E.H.
Publication Year: 1985
Pages: 456
Language: English
Handbook for Genebanks No. 4:
Compendium of Information on Seed Storage Behaviour
A two-volume set providing invaluable information for all concerned with plant genetic resource conservation, seed physiology and seed storage. Information has been collated from over 1200 publications on seed survival during storage for nearly 7,000 species covering 251 families of flowering plants, arranged in alphabetical order for easy reference. A 36 page introduction summarises current understanding of seed physiology as it relates to seed storage.
The introduction on seed physiology can be downloaded at the website of Bioversity International here.
The data on the more than 7000 species can be searched online in Bioversity's Species Compenium database here.
Authors: Hong, T.D.; Linington, S.; Ellis, R.H.
Publication Year: 1998
Pages: 901
Language: English
Handbooks for Genebanks No. 5:
Regeneration of accession in seed collections: a decision guide (4.5 MB)
This decision guide is intended to facilitate the development of optimum procedures for regeneration of seed germplasm. It deals with the timely identification of accessions with inadequate quality or quantity of seed. It also considers the regeneration of those accessions to produce new seed of maximum quality and optimum quantity, with minimum loss of genetic integrity and as cost-effectively as possible. The guide discusses establishment of achievable targets for quality and quantity of seed produced, the maintenance of genetic integrity and minimizing the cost of regeneration. Calculations are based on the requirements of different units of usage - the distribution unit, test unit and base unit - together with a safety factor allowing for losses and a factor allowing for uncertainty of usage. A single case study is presented by way of illustration, and discusses the consequences of the various causes of loss of genetic integrity, by drift, selection and contamination.. The guide aims to provide general considerations on how to improve the effectiveness of germplasm regeneration programmes. The guide includes a poster-size chart outlining the contents of the decision guide in schematic form.
Authors: Sackville Hamilton, N.R.; Chorlton, K.H.
Publication Year: 1997
Pages: 75
Language: English
Handbooks for Genebanks No. 8:
Seed Handling in Genebanks
Genebanks are the storehouses of plant genetic resources, providing the raw material for the improvement of crops. They play a key role in contributing to the sustainable development of agriculture, helping to increase food production and thus to overcome hunger and poverty. Inherent resistance to pests and diseases can be bred into crop plants, reducing the need to use chemicals that can have deleterious effects on farmers and the environment. The seeds contained in genebanks are a vital and irreplaceable resource, a heritage which must be conserved to provide future agricultural options in a world facing climate change and other unforeseen challenges. The sustainable conservation of genetic resources depends on effective actions by genebank staff, who play a critical role in ensuring that germplasm is effectively and efficiently conserved. They need to apply proper procedures for handling seeds to ensure their survival and availability to present and future generations.
The practical manual on Procedures for Handling Seed in Genebanks (Hanson, 1985), published by the International Board for Plant Genetic Resources (IBPGR), a predecessor of Bioversity International, has helped genebank curators and technicians in seed conservation in the past. Research over recent decades has yielded advances in knowledge regarding seed physiology and seed-storage behaviour. The Convention on Biological Diversity (CBD) in 1992, the International Treaty on Plant Genetic Resources for Food and Agriculture (PGRFA) in 2004 and related agreements have changed the global framework of germplasm ownership and benefit-sharing. The development of genetically modified organisms (GMOs) and associated controversies have important implications for the ways genebanks manage their germplasm, notably to prevent the unintentional introgression of exotic genes, including transgenes. All of these new opportunities and challenges called for an update of the 1985 handbook for genebanks.
This manual addresses these recent changes, and is intended to ensure that seed handling in genebanks meets today's requirements. The new manual is complemented by an interactive self-learning module which can be found here. The manual and self-learning module are intended to help address the challenges associated with the shortage and frequent turnover of qualified genebank staff, particularly in developing countries.
With this publication we hope to contribute to ensuring that genebank staff around the world will maintain to high standards of survival and quality the germplasm under their care.
Authors: Rao, N.K.; Hanson, J.; Dulloo, M.E.; Ghosh, K.; Nowell, A.; Larinde, M.
Publication Year: 2006
Pages: 147
Language: English
IPGRI Technical Bulletin No. 1: A protocol to determine seed storage behaviour (0.3 MB)
This publications provides an approach by which conservationists can determine whether or not long-term seed storage is feasible for a particular species, i.e. whether or not that species shows orthodox seed storage behaviour. It provides advice on the implementation of the protocol, examples of ways in which the results from seed storage studies could be misinterpreted due to confounding factors, as well as several alternative approaches for estimating seed storage behaviour prior to carrying out actual investigations with the seeds. In particular, the latter section introduces the concept of a multicriteria approach for estimating seed storage behaviour. It is intended to be used along with the Compendium (see IPGRI Handbooks for Genebanks No.4 - Seed Storage behaviour: a Compendium); these two publications are essentially complementary. The overall aim of the protocol is to guide and encourage further work in this area of seed physiology (particularly for species on which relatively less work has been done to date)m with the objective to expanding on/up-dating the type of species-specific data compiled in the compendium.
Authors: Hong, T.D.; Ellis, R.H.
Publication Year: 1996
Pages: 64
Language: English
IPGRI Technical Bulletin No. 6: Forest tree seed health for germplasm conservation (0.8 MB)
The conservation and use of forest genetic resources worldwide poses several challenges to scientists, policy-makers and, in particular, to local stakeholders interested in long-term strategies to manage these biological resources in a sustainable manner. The vast diversity of tree species, many of which are still unknown, the high level of threats and the increased demand for forest products require prioritization of actions, clear indications for research and development, and strategies to mitigate the current trends in the depletion of forest resources.
The strategy of conservation 'through-use' of forest genetic resources is a very important alternative to an in situ approach and, as such, is to be promoted and developed. However, basic knowledge and understanding of species' reproductive biology, seed production, seed quality and health aspects, limit the use of a larger number of species in important activities such as restoration, rehabilitation, agroforestry and on-farm conservation practices. Increasingly, the use of forest genetic diversity in research and breeding requires a greater movement of germplasm.
This Technical Bulletin, prepared by Drs J. R. Sutherland, M. Diekmann and P. Berjak, all well-known scientists in their respective areas of specialization, aims to breach some of the knowledge gaps in forest seed biology and technology and, more importantly, to contribute to future research on priority forest seed health aspects. In addition, this it aims to increase awareness amongst technical staff involved in conservation and use activities. To this end it presents state-of-the-art tools for the identification of the most important tree seed pathogens and provides clear and ready-touse molecular-based tools for the screening of fungi and virus in seeds.
Authors: Sutherland, J.R.; Diekmann, M.; Berjak, P. (eds.)
Publication Year: 2002
Pages: 85
Language: English
Genebank standards (0.2 MB)
FAO and IBPGR have been cooperating since the early 1970s to strengthen national capabilities in ex situ conservation of plant genetic resources. In 1991, the Commission on Plant Genetic Resources considered it "essential that appropriate standards be developed for genebanks operating within the international Network". The Commission requested the assessment and, if necessary, redefinition of genebank standards. Subsequently, an FAO/IBPGR Expert Consultation was convened in 1992 to discuss and update the Genebank Standards that IBPGR published in 1985. The Genebank Standards recommended by the Expert Consultation were then endorsed by the 5th Session of the Commission on Plant Genetic Resources to be widely utilized as the international reference in national, regional and international genebanks. The Genebank Standards are concerned solely with the storage of seed of orthodox species.
Publication Year: 1994
Pages: 13
Languages: English - Spanish - French - Arabic
Practical manuals for Genebanks No. 1:
Procedures for Handling Seeds in Genebanks
This manual is the first in a series of practical guides to suitable methods for processing and storing seeds in genebanks. It is aimed specifically at informing genebank personnel, especially those technicians and staff involved in day-to-day seed handling. (Reprinted 1988)
Authors: Hanson, J.
Publication Year: 1985
Pages: 115
Language: English
Regeneration and Multiplication of Germplasm Resources in Seed Genebanks: The Scientific Background
The regeneration of germplasm resources is an integral part of the conservation programme. This study is directed towards the strategy and tactics of seed regeneration and multiplication by sexual reproduction in relation to problems of maintaining the genetic constitution of the original sampled population.
Author: Breese, E.L.
Publication Year: 1989
Pages: 69
Language: English
Seed Science Research Series: Volume 8 1-74, September 1998, Supplement No. 1 Ultra-Dry Seed Storage, CABI / IPGRI Joint Publication
Seed Science Research provides an international vehicle for the publication or original papers and review articles on the fundamental aspects of seed research. The emphasis is on the physiology, biochemistry, molecular biology and ecology of seeds.
Storage of seed at low temperature is the main ex situ conservation method employed in genebanks. The recommended preferred conditions for long-term seed storage, according to the Genebank Standards published in 1994 by FAO and the International Plant Genetic Resources Institute (IPGRI), are 3-7% seed moisture content, depending on the species, at - 18°C or cooler.
In the late 1980s, systematic research was initiated by the International Board for Plant Genetic Resources (IBPGR, now IPGRI) to investigate the effects of very low moisture content on seed longevity. Much of this research was based on the general assumption that the relative benefit in terms of longevity became greater for each successive reduction in seed moisture content, although this may vary among species. One of the most compelling reasons for undertaking research in this area was the prospect of developing 'low-input' alternatives for medium- to long-term cold storage of seed germplasm through its storage at room temperature (i.e. ultra-dry seed storage). Such an approach, it was believed, would allow for a secure and cost-efficient alternative for seed storage in cases where a reliable supply of electricity is not available for refrigeration of storage rooms. In line with its objectives to develop and broaden the applicability of conservation techniques, IPGRI actively supported research activities in this area, including significant work conducted in research institutes and genebanks in China.
To make appropriate recommendations to the plant genetic resources community, in particular regarding the applicability of the ultra-dry seed technology, it was deemed necessary to resolve the basic questions of the optimal seed moisture level in relation to storage temperature, including the possibility of over-drying the seeds. It was in recognition of this need that IPGRI initiated the global ultra-dry seed storage experiment in 1995. During the Second International Conference on Seed Science and Technology, Guangzhou, China, 12-16 May 1997, a Satellite Symposium on ultra-dry seed storage and longevity was organized by IPGRI to assess the current state of the art in this research area.
Authors: Black, M.; Walters, C.; Cohn, M.A. (eds.)
Publication Year: 1998
Pages: 73
Language: English
Proceedings of a Consultation Meeting 4-7 December 1995, ICRISAT, Hyderabad, India: Regeneration of Seed Crops and Their Wild Relatives (1.5 MB)
The ex situ conservation of plant genetic resources is of vital importance to contribute to long-term global food security. Ex situ conservation consists of a series of routine operations and activities, of which many are interlinked, and all of which need proper management. Regeneration of stored germplasm seed samples is one of the key activities as it has a direct bearing on the quality of the material conserved, it requires specific knowledge and expertise and it is usually labour intensive. An average of 50 percent of current national collections are in need of regeneration and urgent action is needed to avoid much of the stored genetic diversity being lost for ever. The deliberations of this meeting resulted in a much better understanding of the complexity of the regeneration process, and generated suggestions and ideas on how to make the process more efficient and cost-effective.
Authors: Engels, J.M.M.; Ramanatha Rao, R. (eds.)
Publication Year: 1998
Pages: 167
Language: English
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text: Our client received a NOID after attending his interview to determine eligibility for adjustment of status. After analyzing the applicant's address history, Service alleged that several years back, the applicant had failed to continuously maintain lawful immigrant status due to a failure to take a full course load as a student on F-1 status. We responded with a detailed letter from the University, explaining that despite the distance education, the school's academic program structure and the applicant's attendance records were consistent with regulatory requirements for a full course of study. The case was approved approximately two months after we submitted our response.


text:
The Code of Federal Regulations Title 7 contains the codified Federal laws and regulations that are in effect as of the date of the publication pertaining to agriculture.
The Code of Federal Regulations Title 8 contains the codified Federal laws and regulations that are in effect as of the date of the publication pertaining to immigration and naturalization to the United States.
The Code of Federal Regulations Title 9 contains the codified Federal laws and regulations that are in effect as of the date of the publication pertaining to animals and animal products, including animal feeding, health, stockyards and processing, and animal-related food safety and inspections.
Celebrate the beauty of America's National Parks with a stunning poster showcasing art by the iconic artist Charley Harper! In the 1970s and 1980s, artist Charley Harper created 10 illustrations of the life and landscapes of the national parks. The National Park Service's Harpers Ferry Center for Media Services developed a series of national parks posters using these illustrations to showcase the diversity of plants and animals in their environments. Harper's unique minimalist style is brought to life in vivid colors, highlighting the intricate details and whimsical creatures found within our national treasures. This flagship project had a lasting influence on the graphic identity of the National Park Service. Perfect for nature lovers and art enthusiasts alike.
What type of resources does the Federal Government produce relating to childhood & adolecnce (teens)? In this collection, you will find official resources for children and about children and teens such as drugs, opioid misuse of prescription medications, brain behavior and addiction to drugs, marijuana and teens, tobacco, alcohol, suicide prevention, talking with children about suicide attempts, youth violence, prevention of violence extremism in schools, psychosocial issues in dealing with disasters, community intervention with gangs, children with disabilities, financial aid and paying for college, college preparation checklist, and more.
Are you looking for resources to research China and official U.S.-China relations publications/
In this grouping of official publications, you will find numerous titles about The People's Liberation Army and the Chinese military, plus China-Russian relations, a few annual print volumes about Congresssional-Executive Commission on China annual reports, select printed volumes about China highlighted in the Foreign Relations of the Untited States (FRUS) series, cyberspace, wargames, select Mineral Yearbook Area Reports, and if you are interested in learning about America's tariffs, check out the Harmonized Tariff Schedule 2019 and our recent blog about the importance of tariffs.
Enjoy this collection of publications published by the Central Intelligence Agency's Historical Review Program.
The CIA's Historical Review Program identifies and declassifies collections of documents that detail the Agency's analysis and activities relating to historically significant topics and events. These collections, centered on a theme or event, are joined with supporting analysis, essays, video, audio, and photographs, and showcased in a booklet plus DVD.
The mission of the Historical Review Program is to broaden access to CIA historical material in order to promote a greater understanding of the scope and context of past actions. Not only does it aim to improve current decision-making and analysis by facilitating reflection on the impacts and effects arising from past foreign policy decisions, it also showcases CIA's contributions to national security by providing the American public with valuable insight into its inner workings. Finally, it demonstrates the CIA's commitment to the Open Government Initiative and its three core values: Transparency, Participation, and Collaboration.
The Office of Public Affairs (OPA) advises the Director of the CIA and other senior leaders on media, public relations and communication matters. The OPA Director oversees the daily interaction with the media, the general public and the CIA's workforce. OPA also manages the Agency's cadre of speechwriters, who help prepare speeches and testimony for the Agency's most senior leaders and write other communications for employees.
OPA is composed of three mission areas:
- Media Relations- Interacts with the press and the entertainment industry
- Public Communications- Manages public communications, including managing the CIA website content, organizing public events with CIA officials, distributing publications and responding to public inquiries
- Internal Communications- Employee communications, including the CIA Intranet


text:
The president put politics and ideology ahead of preserving hard-won gains in the region.
by Victor Davis Hanson // National Review Online
In his first term, Barack Obama all but declared victory in America's Middle East struggles.
As he precipitously pulled out all U.S. peacekeepers from Iraq, the president had his own "Mission Accomplished" moment when declaring the country "stable," "self-reliant," and an "extraordinary achievement."
Those claims echoed Vice President Joe Biden's earlier boast that Iraq somehow would prove Obama's "greatest achievement."
After the death of Osama bin Laden, and during Obama's reelection campaign, the president also proclaimed that al-Qaeda was a spent force and "on the run."
But what exactly was the new Obama strategy that supposedly had all but achieved a victory in the larger War on Terror amid Middle East hostility?
Fuzzy euphemisms replaced supposedly hurtful terms such as "terrorism," "jihadist," and "Islamist." The administration gave well-meaning speeches exaggerating Islamic achievement while citing past American culpability.
We tilted toward Turkey and the Palestinians while sternly lecturing Israel. Military victory was caricatured as an obsolete concept. Leading from behind was a clever substitute.
Middle Easterners gathered that a bruised America would limp away from the region and pivot its forces elsewhere, saving billions of dollars to be better spent at home. The new soft-power rhetorical approach sought to win over the hearts and minds of the Arab Street, and thereby deny terrorists popular support.
To grade that policy, survey the current Middle East, or what is left of it: Egypt, the Gulf monarchies, Iraq, Iran, Israel and the Palestinians, Libya, Syria, and Turkey. It is fair to say that America has somehow managed to alienate friends, embolden enemies, and multiply radical Islamic terrorists.
So what happened?
In short, the Obama administration put politics and ideology ahead of a disinterested and nonpartisan examination of the actual status of the 2009 Middle East.
The more Obama campaigned in 2008 on a failed war in Iraq, a neglected war in Afghanistan, an ill-considered War on Terror, and an alienated Middle East, the more those talking points were outdated and eclipsed by fast-moving events on the ground. By Inauguration Day in January 2009, the hard-power surge had largely defeated al-Qaeda in Iraq. It had won over many of the Sunnis and had led to a U.S.-enforced coalition government, monitored by American troops.
But there remained one caveat: What had been won on the ground could be just as easily lost if the U.S. did not leave behind peacekeepers in the manner that it had in all its past successful interventions: the Balkans, Germany, Italy, Japan, the Philippines, and South Korea.
Likewise, the once-derided "War on Terror" measures — Guantanamo, the Patriot Act, military tribunals, preventative detentions, renditions, and drones — by 2009 had largely worked. Since 9/11, America had foiled dozens of terrorist plots against our homeland and neutralized terrorists abroad, killing tens of thousands in both Iraq and Afghanistan.
Obama for a while privately accepted that truth and thereby continued many of the very protocols that he had once derided.
But there was again one problem. Obama kept posturing to the world that he would close Guantanamo and substitute civilian trials for military tribunals. He continued to say that he did not enjoy using renditions or drones — even as he upped the latter's deadly missions tenfold.
The results were contradictory messages that encouraged radical Islamists. The conclusion radical Islamists drew was that even the Obama administration had admitted its anti-terrorism protocols were either morally questionable or ineffective.
Blaming a video maker instead of immediately taking out the known jihadists who had murdered Americans in Benghazi only reinforced that mixed message. So did exchanging five terrorist kingpins in Guantanamo for an alleged American military deserter in Afghanistan.
A series of empty Middle East red lines, deadlines, and withdrawal dates likewise reinforced the idea of American abdication.
We warned Syria of air strikes and then backed down. We surged in Afghanistan only to simultaneously announce a withdrawal date for our troops. We issued Iran lots of deadlines to stop enriching uranium, only to forget them and end sanctions in hope of negotiations.
As was the case with Russia, at first there were few consequences to such reset diplomacy and promises of easy victory. Al-Qaeda had been nearly wiped out in Anbar province in 2007–08 and was still regrouping. Iran had been crippled by sanctions and was wary of U.S. intentions. Terrorists did not wish to end up at Guantanamo or in a military tribunal.
But newly emboldened terrorists gambled that the old deterrence was stale and now existed mostly as Obama's reset rhetoric. They gambled that it was a great time to go on the offensive. They may have been right.
Once more in the Middle East, Barack Obama is looking to blame others for a mess that has grown since 2009. But mostly he just wants out of the lose-lose region at any cost and wishes that someone would just make all the bad things go away.
© 2014 Tribune Media Services, Inc.


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Website terms: simple information site
This template is a Net Lawman document. It is our hope that you find it useful and simple to use for your site.
We offer a document review service for those that need any help editing it or would like a lawyer to evaluate that your edited document will protect your business in the way that you would like. For this service, just contact our legal team at [email protected].
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- to keep the reference to Net Lawman in the document; and
- to link to our site if you publish the document or any variation of it on a website.
If you would like to remove the reference to Net Lawman, you may then want to purchase a license from us. Please reach us at [email protected].
We remind you that you will need to edit this template before you make it accessible on your website. To do this, you should download our free Guide to editing legal documents (http://www.netlawman.co.uk/uploads/Editing Legal Document Templates.pdf). You should also read the notes at the end of the template. Do let us know if you have any questions.
Your website may need a privacy policy as well. You can get this document for free at https://www.netlawman.co.uk/d/website-privacy-policy.
The template for the terms and conditions is available on the next page. You will find the drafting notes commenting on each paragraph at the end of this document.
Terms and Conditions
The terms and conditions below are the binding contract between "Us, We, Our Name." By using or visiting Our Website, you agree to bound by them.
The terms and conditions are based on a Net Lawman written set in accordance with the license agreement. They are designed to protect your right and ours as well.
I / We are [Your business name], a company registered in [Name of Country], [company number]. Our address is [State your address].
You are: Anyone who visits or uses Our Website.
Kindly ensure that you carefully read this agreement and keep it. If you do not agree with it, you Should leave Our Website immediately.
These are the agreed terms
1. Definitions
"Content" means the visual, textual or aural content encountered as part of your
experience on Our Website. This may include, images, texts, sounds,
animations, videos, among other things.
"Intellectual Property" means every sort of intellectual property owned by us, whether
registered or not or registrable in any country. This includes
intellectual property that comes into existence after today; and including
among others, trademarks, copyright, patents, software, unregistered
marks, designs, creations and inventions, domain names, discoveries and
all rights which are derived from these rights.
"Our Website" means any website or service designed for electronic access by fixed
devices or mobile which is owned or operated by us.
"Services" means the services provided from Our website.
2. Children on Our Website
- Whatever the age consent in your country, we believe that they should be
Protected from inappropriate content. To protect your children, you should know
our policy, which is as follows:
- Our volunteers have checked the children's categories, and where necessary, the
- We do not knowingly collect information from any person below the age of 16
- Any person of any page may freely access any page of Our Website. We do not
moderate content nor check for identities.
- It is you, not us, who provide access to Our Website for the children in your care.
It is for you to ensure that the Content your children may have access to is suitable
for them.
- Where links are concerned, you may want to check the privacy policies of the sites
that your children are likely to visit frequently to see how they collect and use
- You may also find the Filter software useful.
- You acknowledge that We are not responsible for anyone that someone else has
placed on Our Website for the content of site accessible by a link from Our
- You now agree to waive any claim you may otherwise have against us on account
of age-related Suitability of Content and to indemnify us against any claim made
by any claim made by any person on behalf of a child in your care.
3. Intellectual Property
You always agree that you will:
- Not do anything which does or might reduce the value of Our
Intellectual Property or challenge our ownership of it.
- Inform us of any suspected infringement of our Intellectual Property.
- As far as concerns our work made accessible by us to you,
you will not:
3.3.1: copy or make changes to any part of its code:
3.3.2: use in any way not anticipated by this agreement.
3.3.3: give access to anyone else other than you, the licensee in this agreement.
3.3.4: in any way make information about it accessible to any person other than
you or generally.
- Not use the Intellectual Property except directly as intended by this agreement or
in our interest.
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- The law differs from one country to another. This paragraph applies if the
Applicable law allows.
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sub paragraph shall be deemed to be reduced in effect, only to the extent
necessary to release that warrant, condition or term.
- You are advised that Content may have typographical errors or technical
inaccuracies. This is expected in any large website. We would be grateful if you let
us know immediately, should you find any.
- Our Website has links to other internet websites. We have neither control nor
Power over any such website. You acknowledge and agree that we shall not be
Liable in any way for the Content of any such linked website, nor for the loss or
damage associated with use of such linked website or from buying goods or
services via such a website.
- The [Our Name] Website and [Our Name] Services are provided as is. We make
no warranty or representation that Our Website will be:
4.5.1: useful to you:
4.5.2: of satisfactory quality:
4.5.3: fit for a specific purpose:
4.5.4.: accessible or available, without interpretation, or without error.
- We claim no expert knowledge in any subject. We disclaim any liability or
obligation to you arising directly or indirectly from information you acquire
from our website.
- We accept no responsibility for third party advertisements which are posted on
Our Website or via the Services:
- We shall not be liable to you for any loss or expense which is:
4.8.1: indirect or consequential loss; or
4.8.2: economic loss or any other loss of business, profits, turnover, or goodwill
even if such loss was reasonably foreseeable or we were aware you might
incur it.
- This paragraph (and any other paragraph that restricts or excludes our liability) is
applicable to our directors, officers, employees, agents, subcontractors, and
affiliated companies (Who may enforce this clause under the Contracts (Rights of
Third Parties) Act 1999/ Contracts (Rights of Third Parties) (Scotland) Act 2017 and
to ourselves.
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- Our policy is solid and accurate. It complies fully with the Data Protection Act 2018
Which is at [link to privacy policy].
- If any provision or term of this agreement is at any time held by any jurisdiction to
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only to the extent minimally necessary to bring it within laws of that jurisdiction
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form. Subject to that, each provision shall be interpreted as severable and shall not
in any way affect any other of these terms.
- No delay or failure by any party to exercise nay right, power or remedy will operate
as a waiver of it nor indicate any intention to reduce that or any other right in the
- Any communication to be served on either party by the other shall be delivered by
hand or sent by first class post or by e-mail.
It shall be deemed to have been delivered:
If delivered by hand: on the day of delivery
If sent by post to the correct address: within 72 hours of posting;
If sent by e-mail to the address from which the receiving party has last sent
the email: within 24 hours if no notice of non-receipt has been received by
the sender. [Take care before agreeing to accept service by e-mail. It may be
convenient, but you could miss or accidentally delete the message].
5.5 The construction, validity, or performance of this agreement shall be governed by
the laws of [England and Wales/ Scotland/ Northern Ireland] and you agree that
any dispute arising from it shall be litigated only in that country.
Explanatory Notes
Website terms: simple information site
General notes
What you need to do to comply with the Data Protection Act 2018
The Act applies to all personal data you collect, use or store. The scope includes data about any INDIVIDUAL.
We have drawn an extensive privacy notice. It reassures your website visitors that you take their privacy seriously. Importantly, your adopting this act will prompt you to make changes that are necessary in your day to day business. You can download it at https://www.netlawman.co.uk/d/website-privacy-policy
For this terms and conditions document, there is no need to explain to customers that you comply with law - any more than you would tell them you comply with any other law.
As a vastly reduced summary, the important areas of the Act to consider are:
- you do not have a provision where you are assuming implied consent of customer to use his information in the way you think fit.
- if you allow a user to post information to your website, you may not process, change, or edit that information without express consent, if such information include his name, image, address, etc.
- Until now, you could ask for a tick to a box showing that your client or customer has read your T&C. That is no longer good enough. There is no need to say exactly what you might do with your user's data.
- The most important elements of data to consider are personal data and any data which you want to use - for example as a testimonial.
You may find full list at:
We have drawn this terms and conditions document believing that it will help you make the necessary changes on your website and use an updated privacy notice. This terms and conditions document will help you run your business seamlessly while conforming to the Act.
Paragraph specific notes
Notes numbering refers to paragraph numbers.
- Definitions
We have no comment.
- Children on Our Website
The purposes of this paragraph are, to inform parents and guardians that your website may contain inappropriate content as well as to protect you from a claim on that account. The last sub paragraph covers the situation where a third-party act on behalf of the child to avoid the previous disclaimer. Erase this paragraph if you are uncertain that it is needed.
- Intellectual Property
Few business managers appreciate just how much IP is owned by the business. There is a wide variety of variety of IP rights, from trademarks to domain names. It is a good idea to leave this provision in place and ensure that it is edited, as necessary.
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This is a new USA Today/Gallup poll out there that shows something very interesting. When asked, Americans chose both Sarah Palin and Hillary Clinton as the two women they admire the most.
Lets take a look at this, as I think it says some very interesting things about America. First, without a doubt, both Sarah and Hillary are feminist icons. They are both hard core, successful women. Both tough as nails.
No surprises in the way the polling shakes out, either. Gallup asked 1025 adult Americans to rate their most admired. These two came out on top in basically a dead heat, considering the +/- 4 point margin of error.
What woman living today do you admire the most?
Hillary Clinton......................16%
Sarah Palin...........................15%
Oprah Winfrey...............8%
Michelle Obama.............7%
Condoleezza Rice.......2%
Queen Elizabeth..........2%
Margaret Thatcher...1%
Maya Angelou.........1%
Of course, this was pretty partisan, as both ladies got the bulk of their support from their particular political parties, which is why this poll fascinates me. It's a good look at how both liberals and conservatives look at the world.
It should be noted too, that more Republicans were apt to admire Hillary Clinton than democrats were to admire Sarah Palin. Roughly 6 percent of the Republicans asked admired Hillary, while only 1 percent of the democrats admired Sarah. Again, several things come into play here, at least in my mind. One, Conservatives, and Republicans are generally more open minded, and democrats are more apt to follow the party line, no matter what. One also has to factor in education and how informed Conservatives generally are vs democrats.
Frankly, you can count me in the list of those that has at least some admiration for Hillary Clinton. I blame our friends at HillBuzz.org for this! (Just kidding, these are some of the best folks out there. They honestly do have me looking at Clinton in a different light!)
I don't agree with her on many issues, and sometimes have my doubts about her competency, but compared to most democrat/communist party members, she comes out looking pretty good. She's by far the most competent member of the Obama administration.
One thing that fascinates me, especially considering both of these women truly are feminist icons, is how they got there. I also think it says a bit about Conservatives and liberals. And what matters to them.
First lets look at Hillary. Frankly, you know you are an icon, when you only need a first name, something both Hillary and Sarah pull off well! Mention either one, and people know who you are talking about, though, I give Hillary the edge here, as she's enjoyed this status longer.
Hillary took a rather conventional path to her place in the world, even for a feminist. She met Bill in college, got married and started a family. Hillary has a degree in law, and was a practicing attorney. Of course, Bill was the politician and star of the family from the start. As he worked his way through Arkansas politics, she worked and raised their daughter. Then of course, she became First Lady of Arkansas, and then, of course, First Lady of the United States. And, no doubt, she was one of the more outspoken and active presidential spouses. Of course, like in any family, the wife is most certainly a husband's strongest, most trusted adviser.
After Bill's time in office was over, Hillary certainly made the most of her opportunity. She was able to use her time as First Lady to make a successful bid for the United States Senate, using that time honored tradition of trading on her successful husband's name to get her foot in the door, and then her own ability to cross over the threshold.
This is not to take anything away from her either, it just is what it is. Hillary worked hard in the Senate, and proved that she hard earned a shot at the presidency, at least to those who support her. And she was considered the front runner. If not for Obama, she might indeed be the one sitting in the Oval Office right now. Personally, I think we'd be better off!
But she still did well, and while Obama didn't choose her as Vice President, probably out of fear of being overshadowed, she was chosen as Secretary of State, not exactly a bad thing.
Sarah's life and path was a little different. She was more of an athlete, and dreamed of being a sportscaster at ESPN. She was a leader even then, and as team captain, led her high school team to a state championship.
She met and married her high school sweetheart. A hard working, ruggedly handsome guy with whom she has five beautiful children. He would go one to be her trusted adviser, Sarah also put herself through school, working several jobs, as well as earning some scholarships. This, of course, is why it took her longer than many of her peers in politics. She has a degree in journalism.
Like most of us, she went to work. Among other things, she worked as a commercial fisherman, with Todd. A tough, physical, but rewarding profession. She's the complete outdoorsman who hunts, fishes, and loves to run every chance she gets.
Finding a need to serve, she became interested in politics, and steadily went from a seat on the city council to Mayor, then made an unsuccessful run at Lt Governor, which led to a position as the state's chief energy and environmental regulator, and that of course, led her to becoming one of America's most successful Governors, which found her in the 2008 presidential race, as the VP nominee. Her path was that of a self made woman who really had no family or spousal name to trade on. Of course, she did enjoy the support of her entire family, all along the way.
Oh, and she got to be a sportscaster, as well. At least at the local level.
Two different paths, by two different feminine and feminist icons. That's what makes this such an interesting poll, one that is interesting to contemplate.
This of course, brings both Hillary and Sarah to 2008 and the presidential election. Neither were successful in the respective bids, but both have endured.
Like Sarah Palin, Hillary was savaged by Barack Obama and his Chicago street thug tactics. They went after both her and Bill, America's "first black President" as he was lovingly called by the dems until Obama showed up on the scene. With a new golden boy though, the Clintons, once the most powerful force in democrat politics, were now racists, "straight up", as Janeane Garofalo would say.
Of course, that wasn't even a good warm up for what the Obama slime machine had ready to go after Sarah with. Frankly, you would have thought Sarah was the Presidential candidate, and John McCain didn't even exist. Throughout the campaign, the real contest was between Obama and Palin. Those were the two who were always compared, McCain was almost an afterthought. And frankly, considering just how poorly McCain's "all-star" campaign performed, and how severely they restricted Palin, never allowing Sarah to just be Sarah, It was a smart strategy by Obama and his team.
Other than that one odd breakdown though where Hillary cried a bit, maybe for effect, maybe just out of sheer frustration, she endured the hate piled on her by the Obama campaign, the ultra-left wing radicals that now make up the party's base, as well as the entire media.
Then she went to work for Obama, becoming Secretary of State, third in line to the presidency. Not too shabby.
Sarah also endured. Frankly though, and I've said this before, and surely will say again, in the 50 years I wandered this planet I have never seen the effort to destroy someone that I have seen thrown at Sarah Palin. You had everything Obama and his weasels could throw together, the most vile, ugly, dirtiest Chicago style hate and slime they could muster, followed by an over the top assault by the dishonest media, and of course, the recruitment, by the campaign, and then continued coordination from the White House after the election, of the Alaska Mafia., the radical bloggers and serial ethics charge filers.
Sarah of course, after watching Obama and the Mafia make her job in Alaska totally undoable, as they stole millions in taxpayer dollars, famously stepped down from office, in what is turning out to not only be an incredibly smart and self sacrificing move for Alaska, but also the shrewdest political move most of us have ever seen. This truly shows that Sarah has incredible political instincts.
Since stepping down, Sarah has become a record setting, best selling author, who is in her fifth straight week atop the New York Times Best Seller List, the spot she debuted in.
Sarah has also become the most popular Conservative in America, hit the talk show circuit, even doing a gag with Conan and Bill Shatner, and is now considered the absolute favorite to win the 2012 GOP nomination, as well as the presidency.
More importantly though, is the fact that just as the Obama campaign never let up on her, even after the election, she never let up on Obama. Unrestrained by the McCain campaign, and just being herself, Sarah has been on the attack ever since. No quarter is given to Obama, Congress or any of their insane ideas.
Sarah has turned a social network into her personal domain, and her every note to her over 1 million Facebook supporters is picked up by all of the news media and quoted world-wide. She has shown a knack for condensing relatively complicated issues down to their rawest, simplest forms for maximum impact.
Her first comment on ObamaCare and the inevitable rationing of health care, especially to the elderly, disabled, and chronically ill, birthed what might be the most important phrase of the year, if not the decade. "Death panels" will forever be the phrase most associated with ObamaCare.
Of course, as with everything Sarah, "death panels" stirred incredible controversy. (Hint: it was supposed to) Those on the left called her every name in the book, some even printable. So strong was the attempt to discredit her, the President actually felt he had to single her out, little Sarah from Wasilla, a private citizen, in his joint session in front of Congress. The dog and pony festival of lies he put on back in the summer that prompted Congressman Joe Wilson to actually call him on it, giving us the decade's second best phrase "you lie!" This one is used often now after Obama says anything more complicated and involved than "good morning" or "hello."
Anyhow, not only did she drive the democrat/communists crazy with this incredible succinct and accurate description of health care rationing, she also embarrassed the Rockefeller, country club, RINO wing of the Republican Party. Of course, embarrassing milquetoast moderates is fairly simple.
Now some tried to make it complicated, or were just dumb, or maybe they were trying to muddy the waters, by claiming it was all about "end of life counseling, which is certainly a troubling issue, but not where she was going.
In the end, two things have happened, the far left St Petersburg, Florida newspaper proclaimed "death panels" the "lie of the year" while simaltaniously Senate Majority Leader, and hack, Harry Reid placed a questionable provision in his version of ObamaCare that would make it nearly impossible to take the "death panels" out of the picture...ever!
Funny how liberals always try and have it both ways! "There's no such thing as 'death panels' and oh, by the way, it is now impossible (and illegal) to take the 'death panels' out of ObamaCare!"
For her part, where most people would have backed down, Sarah managed to mention death panels every chance she got! In her latest, she mentioned them no less than four times, shoving those "death panels" right up their...... well......you know where!
Long story short, Sarah has shown she is not afraid to fight what she believes in. To put it all out there, not hold back, or play it safe. She has proven she is politically courageous where others are incredibly timid. These are not the times for timidity and political cowardice.
We have seen some really interesting turns too. The media is acting a little different, treating her more seriously, even somewhat complementary. And not just the conservative media. A lot of this is because people are realizing what a complete and total disaster Obama is. He has managed to not only further anger conservatives, and totally alienate the so-called independents, he's even got many of the far left slingin' snot!
You really, really have to work hard to completely and absolutely piss everyone off , so congratulations Obama, you've not only found your true calling, you've managed to unite the country, just not in the way you imagined!
Again, what we are witnessing, with Sarah, is two fold. Part of this is her finally being able to be herself, and make her case to the American people, on her terms. Turns out, she incredibly good at that.
Second is all of those drunk on hopenchange are now sobering up and have one hell of a hang over. They are realizing that every single prediction Sarah made at her RNC speech, as well as on the stump, has come to pass. Now is the time for the big "I told ya so!"
This is leading to wild editorials from liberals such as David Michael Green, a professor of political science at Hofstra University in New York, where he says things like this:
You know, I've really been trying not to write an article every other week about all the things I don't like about Barack Obama.
But the little prick is making it very hard.
Like any good progressive, I've gone from admiration to hope to disappointment to anger when it comes to this president. Now I'm fast getting to rage.
How much rage? I find myself thinking that the thing I want most from the 2010 elections is for his party to get absolutely clobbered, even if that means a repeat of 1994. And that what I most want from 2012 is for him to be utterly humiliated, even if that means President Palin at the helm. That much rage.
Think this guy would have said something like that a year ago? You can read it all here, it's worth it!
Of course, among Conservatives, Sarah has become the absolute favorite. She is the defacto leader of the movement.
Politico, which leans left, just ended a reader poll. Out of nearly 17,000 votes, Sarah was chosen by 47 % of the readers as the biggest winner of 2009. Number two was Obama at 19%. "Someone Else" was third!
In the People's Republic Of San Francisco, Sarah's book, Going Rogue, is number three in sales! This in a town were many booksellers were proud to proclaim they would not even offer it for sale!
Even far left Ed Schultz over at Obama Central, MSNBC proclaimed her the biggest winner, going so far as to say "Show me what she has done wrong!"
This is pretty strong language.
By anyone's measure, whatever negative feelings that have been out there about Sarah Palin, slowly, methodically, and most assuredly, she is turning those around.
So let me end by saying this. Both Sarah and Hillary deserved to be called the most admired women in America. They earned it!
These two are both the biggest winners of 2009, by far.
Hillary is a big winner, because she's managed to avoid the absolute taint that has hung over the Obama administration since day one. She might be the only one to walk away from this fiasco with something that resembles a career.
Of course, I'm incredibly biased and in my mind, Sarah Palin is the biggest winner of not only 2009, but of the entire decade. Absolutely everyone, but her strongest fans wrote her off when McCain lost the election in 2008.
This became a weekly ritual, anytime her name was mentioned. "X" was going to end her career, no matter what "X" was!
Then she "quit" as Governor. Oh my, political suicide. Yeah, right. Incredibly savvy move that completely changed the game on Obama and his Chicago street thug strategy of trying to stop her before she ever had a chance to come after him. This, it seems, has turned out to be a flawed strategy. There's a reason why "they" say "let sleeping dogs lie" or "let well enough alone."
Up until midway through her book tour, we were told Sarah's career was over. Then something happened. I don't know if it was the big crowds, the great interviews, yucking it up with Shatner, or just the realization that this is one sharp woman, who is right more than she is wrong. One thing is for sure, there has been an incredible shift in the way most of the nation looks at Sarah Palin, and that's not only a good thing for Sarah Palin, but a good thing for America.
America needs strong, fearless, and ethical leadership. That describes Sarah to a tee.
As we prepare to start a new year, and a new decade, America has found a true leader we can all get behind, and believe in. Someone who has the courage and ability to bring this nation away from the brink of destruction, and get it back on track.
America's brightest and most exciting days are ahead of us, and Sarah Palin will be playing a major roll, bringing us not only energy and excitement, but the common sense and leadership we need to see this happen.
I for one cannot wait for 2010 and beyond!


text:
Statement of Dr Cem Kinay
with respect to Joe Grant Cay Undervalue Allegation
Istanbul, Turkey – 2February 2016
I have read in recent news that it is alleged that Joe Grant Cay, a Crown land, was valued at $75 million but was sold to my companies for $3 million.
I can not afford lawyers as Turks and Caicos Islands Courts have frozen all my worldwide assets not allowing me to spend any funds towards my right to defend myself and my companies, but I will make this statement today to set the record straight.
The allegations against Joe Grant Cay and myself are totally baseless. It is claimed that 200 acres of the 710 acres of the Joe Grant Cay Island was purchased at an alleged undervalue in June 2008. The undervalue claim is based on a set of confused valuation reports prepared by the Government's Valuation Officer, Mr. Shaban Hoza which was different from the valuation report prepared again for the Government, instructed by Hon. Governor Richard Tauwhare in June 2008 , by an independent accredited commercial appraiser in TCI, BCQS who valued 200 acres of Joe Grant Cay, at USD 3.2 million for commercial use, exactly the amount of money asked by the Government in June 2008, which my development companies have paid in full. It is significant that his Hon. Governor increased the price on the back of the BCQS valuation report from USD 2 million to USD 3.2 million.
Following our purchase, I have obtained 5 more valuation reports to justify the price of this transaction, 2 from local valuation companies and 3 from internationally repute appraisers: CB Richard Ellis and Ernst & Young in the USA; and Savills of UK which all agreed on similar valuation levels of the BCQS report which was the just and fair value of this Crown land.
The Development Agreement of Joe Grant on the other hand, was negotiated over almost 2 years with the Attorney General's Chambers before Hon. Governor Whetherell and Hon. Rhondalee Braithwaite executed it on behalf of the Crown on 7 November 2008. Joe Grant Cay Development Agreement signed by Hon. Governor Whetherell does not contain any privileges, favors or better conditions than any other Development Agreements signed by him or any other recent development agreements signed by previous Hon. Governors. All negotiations were dealt over almost two years by the development companies professional management team, our lawyer Owen Foley at Misick & Stanbrook, my joint venture partner's lawyer Mr. Chal Misick, Attorney General's Chambers and TCI Invest.
For the past 6 years, I have been living stripped of my basic human rights and assets just because the TCI Courts have concluded in connection with a political donation made to Michael Misick on 9 January 2007 "there to be a very strong probability that the money was paid as a bribe in order to ensure that the Defendant companies obtained the benefit of the proposed (Joe Grant Cay) development" disregarding the evidence that I have sent, stating that I was "late" sending evidence to the trial. My appeals were rejected and TCI Government has taken Joe Grant Cay back from my companies only to sell the same Crown Land, Joe Grant Cay for USD 4.04 million in October 2013.
For those who doubt that the development of Joe Grant Cay is not innocent, I have the following to ask: We have paid 3.2 million in 2008 for this 200 acre land, 5 years later, the same land has been sold for 4.04 million in an open market transaction ! I ask you what happened to the alleged tens of millions of dollars that the Government and some of our opponents claimed that this land was supposed to be worth?
I have the answer: The alleged valuation of this island was a big lie ! Joe Grant Cay's 200 acre was never valued more than what we paid for. That was the exact reason why many internationally repute valuation companies as well as all the local valuation companies have valued it at the exact value that we paid for it. That is why both Hon. Governor Tauwhare, and later on Hon. Governor Whetherell have approved and executed the sale of this 200 Acre land to us for USD 3.2 million, and that was why the sale was approved by the Attorney General, TCI Invest, Ministers, and the Premier and Hon. Rhondalee Braithwaite, Deputy Attorney General back then. Do you really believe that they were all 'deceived'? and did not know what they were selling?
In fact, there was no "favor" from anyone for Joe Grant Cay. In fact, we have paid the true value of this land, and the shameless dark forces took away from us alleging the "undervalue" sale.
The people of Turks and Caicos Islands was going to benefit from Joe Grant Cay development as this project was going to provide a sustainable source of income for the local economy. Today, we could have celebrated the opening Dellis Cay, and the commencement of construction at Joe Grant Cay. These could have provided much needed employment opportunities. I have seen the progress in North Caicos with my own eyes during Dellis Cay's construction and I have no doubt new businesses could have flourished both in North and Middle Caicos if we could complete what we had started.
In the past years, I have been victimized by politics. My assets were frozen and hundreds of people lost their jobs.
I am calling upon the TCI Government and the Attorney General to end these groundless accusations against me, return my assets, and clear my name as I have done nothing wrong. I have spent all my wealth in Turks and Caicos Islands, and lost most of my investments, lot of purchasers lost their investments too.
I still desire to realize my dreams concerning Dellis Cay and Joe Grant Cay. I have spent all my life in building my reputation. My life is full of success stories and honors. I intend to spend the rest of my life to defend these honors.
God Bless