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Last updated: August 22, 2022
These Wells Fargo Acquirer Terms ("Member Bank Terms") are additional terms applicable to the Stripe Payments Services for Visa and Mastercard products for which Wells Fargo Bank, N.A. ("Member Bank"), is a Payment Method Acquirer ("VM Payment Processing Services"). In these Member Bank Terms, Visa and Mastercard may be referred to individually as a "Network" and collectively as the "Networks", and the rules issued by a Network are the "Network Rules". Additionally, for purposes of these Member Bank Terms, if you are registered with a Network pursuant to applicable Network Rules as a high brand risk (or similarly designated) user of the VM Payment Processing Services, you are considered "Network Registered." Any terms used but not defined in these Member Bank Terms will have the meaning provided in the Stripe Services Agreement ("Agreement").
These Member Bank Terms constitute a legal agreement among you, Stripe, and Member Bank, which is formed by Member Bank's and Stripe's offer of these Member Bank Terms to you, your acceptance of these Member Bank Terms, and Member Bank's and Stripe's subsequent provision of VM Payment Processing Services to you.
These Member Bank Terms are offered to you and the legal agreement established by these Member Bank Terms becomes effective as provided below.
- For all users of the VM Payment Processing Services, except Network Registered users: These Member Bank Terms become effective only when you process more than $ 1 million in Transactions on a Network within any twelve-month period. Importantly, the $1 million threshold for effectiveness of these Member Bank Terms is set by each Network, and each Network may change its threshold for effectiveness of these Member Bank Terms at any time without notice to you. Until you process more than $1 million in Transactions on a Network (or such other threshold as may be established by that Network), these Member Bank Terms are not effective, and you do not have a direct legal agreement with Member Bank with respect to the VM Payment Processing Services.
- For Network Registered users of the VM Payment Processing Services: These Member Bank Terms become effective when you process your first Transaction on a Network.
You understand that Stripe or Member Bank may enforce any provisions of the Agreement that relate to Stripe or Member Bank's provision of or your use of VM Payment Processing Services, and you acknowledge you are directly responsible to Member Bank under the Agreement for any liability to Member Bank caused by your breach of the Agreement. Stripe or Member Bank may also terminate these Member Bank Terms at any time, which may limit or terminate your ability to use VM Payment Processing Services. Further, a Network may, at any time and for any reason terminate these Member Bank Terms with respect to Payment Processing Services for its products.
You must accept all of the terms and conditions of these Member Bank Terms to use the VM Payment Processing Services. If you do not accept them, you may not receive the VM Payment Processing Services.
1. Network Compliance and Disclosure
a. Important Member Bank Disclosures: Wells Fargo Bank, N.A., discloses that:
i. it is the only entity approved to extend acceptance of Visa and Mastercard products directly to you under these Member Bank Terms;
ii. it must be a principal (signer) to these Member Bank Terms;
iii. it is responsible for educating you on the Network Rules with which you must comply, but this information may be provided to you by Stripe;
iv. subject to Section 4 of these Member Bank Terms, with respect to Transactions processed through the VM Payment Processing Services, it is responsible for and must provide Settlement Funds to Stripe or Stripe Payments Company (as your agent in accordance with Section 4 of these Member Bank Terms) for distribution to you; and
v. with respect to Transactions processed through the VM Payment Processing Services, it is responsible for all funds held in reserve that are derived from Settlement Funds prior to funding you.
b. Your Responsibilities: In addition to any other responsibilities set forth in these Member Bank Terms, you agree that, at all times throughout the term of these Member Bank Terms, you will:
i. comply with the PCI Standards in using and maintaining Payment Account Details;
ii. maintain fraud and Dispute rates acceptable under the Network Rules;
iii. review and understand the terms of these Member Bank Terms; and
iv. comply with the Network Rules and Laws.
You may contact Stripe by mailing Stripe, Inc., 354 Oyster Point Boulevard, South San Francisco, CA 94080, or by calling or emailing as provided here.
You may contact Member Bank by mailing Wells Fargo Bank, N.A., P.O. Box 6079, Concord, CA 94524 or calling +1-844-284-6834.
Stripe is registered as a Payment Facilitator and an Independent Sales Organization (ISO) by Wells Fargo Bank, N.A., Concord, CA.
2. Purpose of these Member Bank Terms
When you process more than $1 million in Visa or Mastercard Transactions through a particular Payment Method Acquirer, or, if you are Network Registered, when you process your first Visa or Mastercard Transaction through a particular Payment Method Acquirer, applicable Network Rules require that you enter into a direct contractual relationship with the Payment Method Acquirer. These Member Bank Terms constitute your direct contractual relationship with Member Bank, which is a bank that is a member of the Networks and a Payment Method Acquirer for Visa and Mastercard Transactions. In accordance with the requirements of the Network Rules, these Member Bank Terms are offered and effective, and your direct contractual relationship with Member Bank is established, as provided in the introductory paragraphs above.
As a Payment Method Acquirer, Member Bank authorizes you to accept payment from your Customers by Visa and Mastercard payment card ("VM Payment Cards"). However, by using VM Payment Processing Services and accepting VM Payment Cards, you are not establishing a depository or other account with Member Bank.
Member Bank is not responsible for the provision of any Services by Stripe or your use of the Services for your business. As between Stripe and Member Bank, Stripe is responsible for evaluating your eligibility to receive the VM Payment Processing Services, authorizing charges, settling funds to your User Bank Account(s) as provided in Section 4, and providing the VM Payment Processing Services pursuant to the terms of the Agreement. Stripe, and not Member Bank, will provide customer service to you to resolve any issues you may have related to your use of the VM Payment Processing Services; however, you may contact Member Bank using the contact details set out above in the event that you are unable to resolve any complaints directly with Stripe. You are solely responsible for providing support to your Customers for all issues related to your products and services.
3. Compliance with Network Rules
a. Where you use the VM Payment Processing Services to accept charges from VM Payment Cards, you must comply with the Network Rules and limitations on use identified in the Agreement, including the guidelines, monitoring programs, and activity reporting (including excessive credits, Disputes, or deposits) set forth therein. Under the Network Rules, certain activity may subject you to Disputes, fees, fines, settlement delays, withholdings, audits of your processing activity, or termination of these Member Bank Terms and/or the Agreement. Without limiting the foregoing, you specifically agree to:
i. Only submit Transactions authorized by the cardholder;
ii. Only accept payment for the sale of products or services, and receipt of bona fide donations, and not for any Restricted Business, unless you have received prior written approval from Stripe;
iii. Submit a Transaction for the full amount owed by the Customer for the Transaction except where you and the Customer agree on a partial shipment (such as receiving a portion of an order), or where the Transaction qualifies for delayed delivery or special order deposits (such as paying for a deposit on a custom-built product);
iv. Not establish minimum or maximum amounts (except as permitted by the Network Rules), or condition charges for use of VM Payments Cards, and not discourage the use of one VM Payment Card brand over another;
v. Not impose surcharges or taxes (except where permitted by Law and Network Rules) and, where so done, you will only collect such amounts as part of the submitted charge;
vi. Only use the Networks logos or marks in a manner permitted by the Network Rules;
vii. Not submit a Transaction that represents collection of a dishonored check;
viii. Prohibit use of payment cards for disbursement of cash (except as permitted by the Network Rules and approved by Stripe);
ix. Comply with the security obligations identified in the Agreement, including compliance with the PCI Standards and only use cardholder data as permitted, and certify such compliance upon request, and not permit or promote fraudulent use of VM Payment Cards or cardholder data;
x. Make clear to Customers that they are transacting with you prior to, during, and after the Transaction, including providing clear statement descriptors;
xi. Use all reasonable methods to resolve disputes with your Customers, including those resulting in a Dispute, and not attempt to recharge a Customer for a Transaction that was previously charged back and subsequently returned to you unless the recharge is expressly authorized by the Customer; and
xii. Provide clear refund and exchange language that is consistent with Laws and the Network Rules.
b. Where you are Network Registered by Member Bank as a 'Marketplace' under the Network Rules specified by Visa ("Visa Rules") and you use the VM Payment Processing Services to accept charges from Visa payment cards, then, without limiting your obligations under Section 3.a. of these Member Bank Terms, you specifically agree to:
i. Ensure the third-party retailers and sellers for which you submit Transactions ("Marketplace Retailers") comply with the Visa Rules and the limitations on use identified in the Agreement in the same manner as provided with respect to you in Section 3.a. of these Member Bank Terms;
ii. Enter into a contract with each Marketplace Retailer before you submit Transactions for the Marketplace Retailer, the terms of which will conform to the Visa Rules for 'Marketplaces', these Wells Fargo Terms, and the Agreement;
iii. Immediately stop submitting Transactions for any particular Marketplace Retailer at the direction of Stripe, Member Bank, or Visa, which direction may be provided to you at any time for any reason;
iv. Ensure the Transactions you submit for a Marketplace Retailer are legal in the United States and, if the Marketplace Retailer is located outside the United States, the country of the Marketplace Retailer;
v. Not ask or require your Customers, or permit any Marketplace Retailer to ask or require any of your Customers, to waive their dispute rights;
vi. Only submit Transactions representing Marketplace Retailers' sales of goods or services using your 'Marketplace' platform website or application;
vii. Not knowingly contract with a Marketplace Retailer whose payment services previously have been terminated by or at the direction of Stripe, Member Bank, Visa or government regulators; and
You specifically agree you are liable for all acts, omissions, Visa cardholder disputes, and other Visa cardholder customer service-related issues caused by your Marketplace Retailers, and responsible and financially liable for each Transaction submitted for a Marketplace Retailer.
4. Authorization for Handling of Funds
Member Bank provides the funds it receives from the Networks for settlement of your Card Payments ("Settlement Funds") to Stripe or Stripe Payments Company, which accepts the Settlement Funds on your behalf. You agree to designate Stripe and Stripe Payments Company as your agent, and you agree that Member Bank's obligations to settle funds to you are satisfied upon transfer of the Settlement Funds to your designated agents, Stripe or Stripe Payments Company, per your explicit request and authorization.
You agree that you are not entitled to access the Settlement Funds prior to the Settlement Funds being credited to your User Bank Account (or to the account of any applicable third-party recipient that you have instructed Stripe to make a distribution to on your behalf). You further agree that you are not entitled to any interest or other compensation associated with the Settlement Funds, have no right to direct Member Bank to distribute Settlement Funds, and may not assign any interest in the Settlement Funds held by Member Bank. Member Bank may periodically make information available to you through Stripe regarding anticipated funds settlement from Payment Method Providers (such as the Networks). This settlement information does not constitute a deposit or other obligation by Stripe or Member Bank to you. Any settlement information communicated to you is for reporting and informational purposes only.
You authorize Stripe, as your designated agent, to instruct Member Bank on your behalf on how and when to make transfers of Settlement Funds to Stripe, including the initiation of holds, receipts, and disbursements of Settlement Funds. Settlement Funds will be held in pooled merchant funds accounts pending disbursement to you (or to any applicable third-party recipient that you have instructed Stripe to make a disbursement to on your behalf) in accordance with the terms of the Agreement, including these Member Bank Terms.
Any authorizations set forth in these Member Bank Terms will remain in full force and effect until your Stripe Account is closed or terminated.
5. Sharing of Data
a. You authorize Stripe and Member Bank to provide Protected Data to each other to (i) provide the VM Payment Processing Services, (ii) comply with legal and regulatory obligations, and (iii) perform underwriting and risk review, including verification that you are legally permitted to transact and receive funds. This includes sharing information you provided to Stripe before these Member Bank Terms became effective and information about Stripe and Member Bank's experience with you, such as termination of these Member Bank Terms and the reasons for such termination. Where required to comply with our obligations under Laws or the Network Rules, Member Bank may provide any data to law enforcement, the Networks, or government regulators.
b. You agree that you will not (i) use the Payment Account Details for any purpose other than to support VM Payment Processing Services, (ii) use the Payment Account Details for any purpose that you know or should know to be fraudulent or in violation of any Network Rules, (iii) sell, purchase, provide or exchange in any manner or disclose Payment Account Details to anyone other than Member Bank, Visa or Mastercard (as applicable); or in response to a government request. Further, you agree that you will at all times comply with the PCI Standards with respect to Payment Account Details and will indemnify and hold Member Bank harmless for any violation or breach of the PCI Standards, including but not limited to, any fines, fees or assessments by any Networks imposed upon you, Member Bank, or Stripe.
6. Term and Termination
These Member Bank Terms become effective as provided in the introductory paragraphs and shall continue in effect so long as you use the VM Payment Processing Services. These Member Bank Terms will terminate automatically upon termination of the Agreement, except for those terms which are intended to survive termination. In addition, the VM Payment Processing Services and/or these Member Bank Terms may be terminated at any time by Member Bank, Stripe, or a Network as provided in the introductory paragraphs.
7. Representations and Warranties
In addition to the representations and warranties made in the Agreement, you represent and warrant to Member Bank and Stripe as of each day on which you receive VM Payment Processing Services that: (a) you are legally able to enter into these Member Bank Terms; (b) you will not use the VM Payment Processing Services, directly or indirectly, for any fraudulent or illegal undertaking; and (c) you will only use the VM Payment Processing Services in a manner consistent with the Agreement, including these Member Bank Terms, the Documentation, and the Network Rules.
8. Indemnification
Notwithstanding the foregoing or anything to the contrary in the Agreement, you agree to defend, indemnify, and hold harmless Member Bank, and their respective employees, directors, agents, subcontractors, and affiliates (collectively "Member Bank Entities") from and against any claim, suit, demand, loss, liability, damage (including indirect or consequential damage), action, or proceeding arising out of or relating to (a) your breach of any provision of the Agreement or these Member Bank Terms; (b) your use of the VM Payment Processing Services; (c) your obligations to pay fees or fines to Stripe, your Customers, Payment Method Providers, or third parties; (d) your negligence or willful misconduct or the negligence or willful misconduct of your employees, contractors, or agents; and (e) all third-party indemnity obligations Member Bank incurs as a direct or indirect result of your acts or omissions (including indemnification of any Network, card issuer, or intermediary bank).
9. Disclaimer of Warranties
10. Limitations on Liability
In no event will Member Bank Entities be liable for any lost profits, lost revenue, lost business opportunity, loss of data, or any indirect, punitive, incidental, special, consequential, or exemplary damages arising out of, in connection with, or relating to the Agreement, including these Member Bank Terms, or the VM Payment Processing Services described in either, including without limitation the use of, inability to use, or unavailability of services provided by Stripe. Under no circumstances will any of the Member Bank Entities be responsible for any damage, loss or injury resulting from hacking, tampering, or other unauthorized access or use of the VM Payment Processing Services or your Stripe Account or the Protected Data, or your failure to use or implement security, controls, or processes that are appropriate for your business.
Member Bank Entities assume no liability or responsibility for any (a) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of the VM Payment Processing Services; (b) any misuse of VM Payment Processing Services or Protected Data; (c) any interruption or cessation of transmission to or from the VM Payment Processing Services; (d) any software bugs, viruses, or other harmful code that may be transmitted to, through, or in connection with the VM Payment Processing Services; (e) any errors, inaccuracies, or omissions in the VM Payment Processing Services or data, or any loss or damage resulting therefrom, regardless of the manner of transmission; or (f) defamatory, offensive, or illegal conduct of any third party.
Without limiting anything to the contrary, the Member Bank Entities' cumulative liability to you is limited to direct damages and in all events will not exceed the lesser of USD$10,000 and the aggregate amount of fees or compensation actually received by Member Bank from Stripe for Transactions processed for you through the VM Payment Processing Services during the three (3) month period immediately preceding the event that gives rise to the claim for liability. The limitation of liability in the preceding sentence will not apply to claims by you against Member Bank for direct damages for failure to transfer Settlement Funds to Stripe in accordance with Section 4 of these Member Bank Terms, in which case Member Bank's liability for such direct claim by you is limited to the amount of any Settlement Funds that Member Bank failed to transfer to Stripe in accordance with Section 4 of these Member Bank Terms
Without limiting anything to the contrary above, you agree to provide Member Bank, via a communication with Stripe, with written notice of any alleged breach by Member Bank of these Member Bank Terms, which notice will specifically detail such alleged breach, within sixty (60) days of the date on which you discovered or reasonably should have discovered the alleged breach. Failure to provide notice shall be deemed an acceptance by you and a waiver of any and all rights to dispute such breach.
This limitation of liability section applies to the fullest extent permitted by law in the applicable jurisdiction regardless of the legal theory that the claim is based, including without limitation contract, tort (including negligence), strict liability, or any other basis. The limitations apply even if Stripe or Member Bank has been advised of the possibility of such damage.
11. United States Only Services; No Illegal Activities
You may not use the VM Payment Processing Services or any services offered by Member Bank for or on behalf of persons or entities (a) in a country embargoed by the United States or (b) blocked or denied by the United States government. You further acknowledge and agree that you will not use your Stripe Account and/or the VM Payment Processing Services for illegal transactions, for example, those prohibited by the Unlawful Internet Gambling Enforcement Act, 31 U.S.C. Section 5361 et seq., as may be amended from time to time, or those involving any Person listed on the U.S. Department of Treasury, Office of Foreign Assets Control ("OFAC"), Specially Designated Nationals and Blocked Persons List (available at www.treas.gov/ofac) or the U.S. Department of State Terrorist Exclusion List (available at www.state.gov) or the processing and acceptance of Transactions in certain jurisdictions pursuant to 31 CFR Part 500 et seq. and other laws enforced by OFAC or in connection with illegal activity of any kind. Unless otherwise explicitly stated, Services are solely for use by individuals, companies, or other entities located (as defined under applicable law and Network Rules) in the United States, Puerto Rico, and the U.S. Virgin Islands.
Notwithstanding anything to the contrary in these Member Bank Terms, Member Bank may decline to process any Transaction submitted by you in its sole discretion.
12. Dispute Resolution
All disputes under these Member Bank Terms are subject to the applicable provisions of the Agreement. In particular, the dispute resolution, class action waiver, and arbitration provisions of the Agreement apply to disputes under these Member Bank Terms by, with, or against Member Bank in the same manner they apply to disputes by, with, or against Stripe.
13. Waiver; Amendment
The failure of Member Bank to assert any of its rights under these Member Bank Terms, shall not be deemed to constitute a waiver by Member Bank of its rights to enforce each and every provision of these Member Bank Terms in accordance with its terms. These Member Bank Terms may be amended by Member Bank or Stripe from time to time in the same manner as the Agreement may be amended by Stripe.
14. Miscellaneous.
These Member Bank Terms are entered into, governed by, and construed pursuant to the laws of the State of California without regard to conflicts of law provisions. These Member Bank Terms may not be assigned by you without the prior written consent of Member Bank and Stripe. These Member Bank Terms shall be binding upon and inure to the benefit of the parties hereto and their respective successors, transferees, and assignees. If any provision of these Member Bank Terms are determined to be illegal or invalid, such illegality or invalidity of that provision will not affect any of the remaining provisions and these Member Bank Terms will be construed as if such provision is not contained in these Member Bank Terms.


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ANSYS Convergence Conference Series Features Thought Leaders From Ford, Baker Hughes, Tetra Pak, Maxim Integrated and Infiniti Red Bull Racing
Thousands of industry leaders and ANSYS simulation experts exchange knowledge around simulation-driven product development
PITTSBURGH, April 29, 2014 /PRNewswire/ -- The global Convergence Conference series, presented by ANSYS (NASDAQ: ANSS), kicks off in May, bringing together industry visionaries to share the latest trends, best practices and applications in engineering simulation. Customer speakers from such industry leaders as Ford, Baker Hughes, Tetra Pak, Infiniti Red Bull Racing, Astrobotic Technologies, Maxim Integrated and Regal Beloit Corporation will share their simulation successes as well as lessons learned.
The Convergence Conferences feature panel discussions, workshops, breakout sessions and case studies as well as simulation tips and tricks showcasing the unique ways companies leverage solutions from ANSYS to solve challenging engineering problems. For example, presenters will discuss accurately simulating the behavior of polymers, using parameterization to speed up product development and understanding how simulation has become an essential part of business strategy.
"I'm pleased to be giving the keynote address at the UK Convergence Conference, where I'll discuss how Astrobotic is using ANSYS simulation to create an affordable delivery service to the moon," said John Thornton, CEO of Astrobotic Technology, Inc. "As we near the end of our competition in Google's Lunar X Prize, simulation continues to be absolutely essential to the aerospace and defense industry to design lighter, safer and more efficient equipment. I'm excited to share our story with attendees."
"Presentations from our customers across industries are the lifeblood of the Convergence Conferences," said Josh Fredberg, vice president of marketing at ANSYS. "ANSYS has the largest simulation community on the planet, and these events give thousands of people the opportunity to hear from true business leaders. That, combined with the product updates from ANSYS speakers, makes these events imperative for product innovators."
With local language presentations and numerous locations to choose from, there are many opportunities to learn how best-in-class organizations are maximizing their investments in simulation. There are scheduled events on five continents and in more than 30 countries, including the United States, Canada, Brazil, Italy, Germany, the United Kingdom, South Africa, Israel, India, China and Japan.
For more information on this global series of events, visit http://www.ansys.com/Conference/Locations.
About ANSYS, Inc.
ANSYS brings clarity and insight to customers' most complex design challenges through fast, accurate and reliable engineering simulation. Our technology enables organizations ― no matter their industry ― to predict with confidence that their products will thrive in the real world. Customers trust our software to help ensure product integrity and drive business success through innovation. Founded in 1970, ANSYS employs more than 2,600 professionals, many of them expert in engineering fields such as finite element analysis, computational fluid dynamics, electronics and electromagnetics, and design optimization. Headquartered south of Pittsburgh, U.S.A., ANSYS has more than 75 strategic sales locations throughout the world with a network of channel partners in 40+ countries. Visit www.ansys.com for more information.
ANSYS also has a strong presence on the major social channels. To join the simulation conversation, please visit: www.ansys.com/Social@ANSYS
ANSYS and any and all ANSYS, Inc. brand, product, service and feature names, logos and slogans are registered trademarks or trademarks of ANSYS, Inc. or its subsidiaries in the United States or other countries. All other brand, product, service and feature names or trademarks are the property of their respective owners.
Media: Tom Smithyman
[email protected]
Investors: Annette Arribas, CTP
[email protected]
SOURCE ANSYS, Inc.

subset: commoncrawl


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It's quick and easy to obtain an Evergreen Indiana Library card with the West Lafayette Public Library.
Fill out the Request Library Card form and let us know you did when you arrive. Please bring the following information with you when you come to the Library to apply for your new card:
- A government-issued picture ID with your current local address on it
- A government-issued picture ID and
- Proof of your local residence such as:
- Voter's registration card
- Car registration
- Lease or dorm contract
- Property tax statement
- Utility bill (telephone, gas, electric, water, etc.) issued within the last 60 days
- Bank statements issued within the last 60 days


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(GIN) – Worldreader, a "market-oriented, not-for-profit organization focused on increasing access to books in developing countries" is testing an e-book reader designed for developing countries at a school for orphans in Ghana.
The organization says the Kindle can give developing countries wide access to books since e-books are less than one-third of the price of a printed book. Although pricy to start, a Kindle essentially gives access to thousands of free, public domain books.
For the trial that started this week, 20 Kindles were provided to a school of 11-14 year olds in the city of Ayenyah. Six books were loaded onto the Kindles, including a collection of short stories called Folktales from Ghana.
According to the co-founder of Worldreader, David Risher, formerly of Amazon, the Kindle was chosen because of its ease of use, availability of ebooks, and its global wireless support but other devices may be introduced at a later date. It will be financed through fundraising and donations from Amazon.com at the beginning.


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Privacy Policy
Who processes your personal data?
We are Cowboy SA, with our registered office at rue de la Régence 67, 1000 Bruxelles, Belgium, company number 0669.908.031, VAT-number: BE0669.908.031, e-mail email@example.com.
We are the 'controller' for the processing of your personal data.
What do we expect from you?
We expect that you only communicate personal data about yourself to us. If you also communicate personal data about other people to us, then you must ensure that you are entitled to do so.
We also expect that the personal data that you communicate to us is correct and that, if specific data changes, you promptly inform us of this change.
Why do we process your personal data?
The purposes for which we process your personal data depend on how you enter in contact with us.
You surf on our website
We process information about your use of our website, in order to remember your choices, manage and improve our website. We refer to our cookie policy for more information about this.
You contact us (e.g. by filling in a form on our website, by sending us an e-mail)
We process your personal data in order to answer and manage your request (e.g. request for information, subscription to our newsletter, complaint). This processing is based on your consent.
You purchase Cowboy products/services and you download the Cowboy app
We process your personal data for the purpose of client management, based upon the performance of the contract with you regarding the provision of the smart bike.
This includes the processing of your name/e-mail/bike reference/private key in order to activate your personal Cowboy account and to start/stop the bike; the processing of the location of your bike in order to allow you to track and record the duration/distance/speed of the rides with your bike; the processing of the information (including photos) you may send us in the context of our bike maintenance and reparation service; the processing of the location of your bike in the context of the bike retrieval functionality.
Aforementioned functionalities are essential characteristics inherent to our smart bikes, which are necessary in order to meet your expectations as user. Without your personal data, we cannot perform the contract with you. This processing may involve compiling a profile. This profiling has no effect on you, except to the extent that it allows you to benefit from the functionalities concerned.
We may process your personal information for our legitimate business interests.
Legitimate Interests' means the interests of our company in conducting and managing our business to enable us to give you the best service/products and the best and most secure experience. It can and does also apply to processing which is in your interests too.
Processing for our legitimate interests may include processing for the purposes of (i) fraud prevention and compliance; (ii) certain direct marketing and promotional activities; (iii) the provision and operation of referral marketing programmes; (iv) network and information systems security; (v) data analytics; (vi) enhancing, modifying or improving our service; (vii) identifying usage trends; or (viii) determining the effectiveness of promotional campaigns or advertising.
In connection with the above activities, we may share your personal information with trusted suppliers who assist us in our data processing activities. For a list of our current suppliers with whom we share data and what they do with that data, please click here.
When we process your personal information for our legitimate interests, we make sure to consider and balance any potential impact on you (both positive and negative), and your rights under data protection laws. Our legitimate business interests do not automatically override your interests - we will not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted by law).
You have the right to object to this processing if you wish and if you wish to do so please contact email@example.com.
In any case
We may process your personal data for the management of compliance and disputes (eg prevention/detection/sanctioning of unlawful activities and/or abuse of Cowboy's resources, defense of legal claims), based on our legitimate interests. We believe that the management of compliance and disputes contribute to safeguarding and promoting our economic, commercial, social and financial interests. The processing may involve compiling a profile and has no effect on you, except in the context of management of compliance and disputes. We may anonymize your personal data and process aggregate data for research and development, based on our legitimate interests (eg statistics about sales, market analysis, statistics about the users and use of our products/services, development and improvement of our products/services). We believe that research and development can lead to enhancement of customer experience, product improvement and innovation, which will help the persons concerned by our products/services (such as customers, distributors, suppliers). Research and development may involve compiling a profile. All identifying elements, such as your name, your address, etc., are eliminated. This profiling has no effect on you, except to the extent that this processing activity might lead to enhancement of customer experience, product improvement and innovation, which is an advantage for you.
The provision of your personal data for these purposes is a contractual requirement but you can object to the processing (see article 8 below).
With whom do we share your personal data?
We can transfer your personal data to companies that process personal data in our name and on our behalf (known as 'processors'), to scientific institutions in the context of research and development, to third parties when there is a legal obligation to do so, to our commercial partners, and to the police or judicial authorities at their request if they are entitled to request the personal data.
Is your personal data transferred outside the European Union?
We can transfer your personal data to countries outside the European Union, including the United States. Each transfer will be based on appropriate safeguards (adequacy decision and/or standard data protection clauses of the European Commission). If you would like to know how to obtain a copy of the appropriate safeguards, you can contact us at the address stated above (article 2) or via firstname.lastname@example.com.
For how long is your personal data retained?
Your personal data is retained for as long as you are in contact with us (e.g. you use our products/services, subscribe to our newsletter) and for up to maximum 10 years after the end of this relationship.
What are your rights?
You can contact us to exercise the following rights, in accordance with the conditions laid down in the applicable legislation:
Withdrawing your consent for the processing of personal data, to the extent that the processing of your personal data was initially based upon your consent. Seeking access to, or correction, deletion or restriction of your personal data. Objecting to any processing for direct marketing and/or any processing based on the legitimate interests as processing ground (such as research and development). Seeking the portability of your personal data, which you have communicated to us.
You can exercise some of these rights via the settings in your personal account with us (if you have such a personal account).
You can exercise all of these rights by contacting us at the address stated above (article 2) or via email@example.com.
You also have the right to file a complaint with the competent data protection authority (e.g. in Belgium: Commission for the Protection of Privacy, rue de la Presse 35, 1000 Brussels, firstname.lastname@example.com, www.privacycommission.be).
Cookie policy
Cowboy uses cookies to ensure you get the best experience on this website.
A cookie is a text file that is placed by the server of a website on your computer or on your mobile device when you consult that website. The cookie contains a unique code that allows recognizing your browser during the visit of the website (a so-called "session cookie") or later repeated visits (a so-called "persistent cookie").
Cookies can be placed by the server of the website you visit or by partners this website collaborates with. The server of a website can only read the cookies he has placed. That server has no access to other information on your computer or mobile device.
This website mays use the following types of cookies:
Cookies for browser functionality or user-friendliness
They remember the used language, personalize the webpage, remember useful information (such as current purchases in a shopping cart).
Keypad-friendly cookies
They make automatic text proposals (identification, address, passwords, …)
Statistical or analytical cookies
They collect information about the use of the website to improve its operation.
Cookies origin of the visit
The website administrator can know the origin of the visit (e.g. search on search engine).
Visit and follow-up cookie
They allow to follow the surfing route on the website.
Tracking cookies
They are used by third parties to check the browsing behaviour of the internet user. This information allows advertisers to adjust their advertising based on the habits of the Internet user.
Advertising cookies
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The Humanities, Government, and Modern Languages Department is a multiple discipline department. We offer courses in eleven different disciplines in five discipline areas.
Our department philosophy is grounded in the realization that we exist to serve several groups. We are heavily involved in supporting the various occupational programs, both terminal and transfer, within the college. We also work closely with those Liberal Arts, Communication and Social Sciences Division students intending to transfer to baccalaureate degree-granting institutions. Finally, students -- primarily senior citizens -- enrolled on a non-credit basis are of major importance in our efforts to serve Montgomery County residents. Just as Sinclair is a comprehensive institution of higher learning, we are involved in a comprehensive effort to serve our various constituencies imaginatively, energetically, and faithfully.
We believe that the systematic and rigorous study of our academic disciplines has intrinsic merit. Education within the liberal arts framework truly liberates the individual; it allows one to look at the world as a whole, to reflect on the meaning of one's existence, and to celebrate the richness of the human experience. It also reinforces a pattern of lifelong study that can be immensely fulfilling and highly rewarding.
It is clear that those students taking courses within our department are building skills and patterns of thought essential for success within their careers. Rather than striving to educate individuals for a vocation, we seek to prepare them for a lifetime of creative work. We attempt in systematic fashion to develop in our students the ability to tolerate uncertainty in problem-solving; to analyze information carefully and evaluate it critically; to comprehend the processes involved in looking for solutions; to master higher-order thinking skills; and to speak and write clearly, concisely, forcefully, and logically. Our students are entering a world filled with uncertainty in terms of jobs which appear and vanish with startling rapidity. We endeavor to equip them with the skills essential to make the transition to career fields undreamed of at this point.
More about this department. Is there significant occupation job growth? Does available career paths have rewarding aspects or have a unique appeal. Department goals and objectives can be included if they are directed at potential students about how we can help them.
Are programs more for direct employment or transfer program? What career resources and transfer options are there?
For program specific information click on the program below:


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President Trump will finally be unveiling his long-awaited $1.5 trillion plan to repair and rebuild the nation's crumbling highways, bridges, railroads, airports, seaports and water systems Monday. But, the proposal will not be one that offers large sums of federal funding to states for infrastructure needs, but it is instead a financing plan that shifts much of the funding burden onto the states and onto local governments.
Critics say that will lead to higher state and local taxes, and an increased reliance on user fees, such as tolls, water and sewer fees, transit fares and airline ticket taxes.
Senior White House officials who briefed reporters over the weekend say the plan is aimed at fixing the current system of funding infrastructure that they say is broken in two ways.
The first is that the country has been under-investing in infrastructure, leading a state of growing disrepair. The American Society of Civil Engineers gives the nation a grade of D+ for the condition of transit, highway, bridge, rail, water and other infrastructure, and says the country is in need of an investment of $2 trillion more than is currently budgeted.
The second way the White House says the system is broken is in the lengthy federal permitting process, which officials say can take five to 10 years or longer, driving up costs.
A program that would flip funding burden
Administration officials say the president's plan addresses the funding shortfall by committing $200 billion in federal funding over 10 years to stimulate state and local spending and private investment. Half of the funding, $100 billion, will be used as incentives to entice cities, counties and states to raise at least 80 percent of the infrastructure costs themselves.
So, for example, if a state has a project or need identified and can come up with 80 or 90 percent of the funding for it through increased state or local taxes, like the gas tax, or with user fees like tolls, then under this plan, the federal government would kick in the rest.
Critics worry that would lead to only projects that could generate revenue, such as toll roads or bridges, getting funded.
That's a radical departure from the way many projects are funded now. Funding for federal-aid highways, including interstates, is usually allocated in an 80-20 federal-state split. This program would flip that funding burden. Major mass transit projects are often funded on a 50-50 federal-local basis. Again, this plan puts a much greater burden on local taxpayers and users.
To address concerns that projects in rural areas don't have the ability to generate much in user fees, the White House plan calls for spending $50 billion of the $200 billion on rural infrastructure needs. That funding would go to states in the form of block grants, giving governors and state legislatures the authority to figure out the best way to spend that money.
And $20 billion would go to federal loan programs that are aimed at attracting private investment in infrastructure, and into private activity bonds.
Projects with an eye to the future
The White House also wants to earmark $20 billion in funding for "transformative" projects, which a White House official says "have a vision towards the future." These would be "projects that can lift the American spirit, that are the next-century-type of infrastructure as opposed to just rebuilding what we have currently."
The remaining $10 billion would go into a capital financing fund, which the administration says would go toward funding federal government office building infrastructure.
The $200 billion in federal funding would not be new revenue but would come from cuts "in other areas of the federal budget," some of which will be outlined in the president's budget plan that will also be released Monday. That includes funding cuts to existing federal transit programs, the TIGER grant program "and things where the administration thinks that infrastructure funds haven't been spent efficaciously," said a senior administration official.
But the White House officials say this new infrastructure plan "is a program that sits on top of existing programs. So we're not proposing eliminating the Highway Trust Fund, or changing the state revolving funds. So to the extent that communities are eligible for federal funds already, that eligibility remains."
Trump wants to streamline federal environmental review
The president's plan does not address a huge yearly shortfall in the federal Highway Trust Fund, which is funded by the federal gasoline tax. That tax of 18.4 cents a gallon for unleaded, 24.4 cents a gallon for diesel, hasn't been raised in 25 years and because of improvements in fuel efficiency and inflation, it raises less money now than it did when last raised in 1993. So Congress is already using deficit spending to pay for some transportation infrastructure needs funded by existing programs.
In addition to the financing component of the plan, Trump wants to significantly streamline the federal environmental review and permitting process for infrastructure construction projects, which they say can often involve several different federal agencies that can drag the process out. The president's plan will call for the creation of "One Agency, One Decision" type of process that would put one lead federal agency in charge of completing an environmental review within 21 months.
President Trump will outline some of these principles in a meeting with mayors and other state and local leaders at the White House Monday. Trump will work with Congress to make changes, if needed. The infrastructure spending plan would need 60 votes to pass in the Senate so it will need democratic support, but the White House officials say this is one issue on which there should be room to compromise, because they say the president's infrastructure plan is in line with priorities and objectives outlined by members of both parties in Congress, even if not in the way it would be funded.
"This is in no way, shape or form ... a take it or leave it proposal," said one senior administration official. "This is the start of a negotiation."
"The president has said he is open to new sources of funding," the White House aide said. "We want it to be bipartisan."
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Height: 30 inches
Spacing: 20 inches
Hardiness Zone: (annual)
Other Names: Semperflorens, Fibrous
Group/Class: Wax Begonia
Brand: Ball
Beautiful big, vigorous plants present bright, extra large flower over deep bronze foliage, blooming throughout the entire season; mounded habit, perfect for adding color to shady patio containers or garden landscapes; deadhead to promote new blooms
Ornamental Features
Whopper® Red Bronze Leaf Begonia features dainty clusters of red orchid-like flowers with yellow throats at the ends of the stems from mid spring to mid fall. Its attractive glossy heart-shaped leaves remain coppery-bronze in colour throughout the year.
Landscape Attributes
Whopper® Red Bronze Leaf Begonia is an herbaceous annual with a mounded form. Its medium texture blends into the garden, but can always be balanced by a couple of finer or coarser plants for an effective composition.
This is a high maintenance plant that will require regular care and upkeep, and usually looks its best without pruning, although it will tolerate pruning. Deer don't particularly care for this plant and will usually leave it alone in favor of tastier treats. Gardeners should be aware of the following characteristic(s) that may warrant special consideration;
- Insects
- Disease
Whopper® Red Bronze Leaf Begonia is recommended for the following landscape applications;
- Mass Planting
- Border Edging
- General Garden Use
- Container Planting
- Hanging Baskets
Planting & Growing
Whopper® Red Bronze Leaf Begonia will grow to be about 30 inches tall at maturity, with a spread of 24 inches. When grown in masses or used as a bedding plant, individual plants should be spaced approximately 20 inches apart. Its foliage tends to remain dense right to the ground, not requiring facer plants in front. Although it's not a true annual, this plant can be expected to behave as an annual in our climate if left outdoors over the winter, usually needing replacement the following year. As such, gardeners should take into consideration that it will perform differently than it would in its native habitat.
This plant does best in partial shade to shade. It requires an evenly moist well-drained soil for optimal growth, but will die in standing water. It is not particular as to soil pH, but grows best in rich soils. It is somewhat tolerant of urban pollution, and will benefit from being planted in a relatively sheltered location. Consider applying a thick mulch around the root zone over the growing season to conserve soil moisture. This particular variety is an interspecific hybrid. It can be propagated by cuttings; however, as a cultivated variety, be aware that it may be subject to certain restrictions or prohibitions on propagation.
Whopper® Red Bronze Leaf Begonia is a fine choice for the garden, but it is also a good selection for planting in outdoor containers and hanging baskets. It can be used either as 'filler' or as a 'thriller' in the 'spiller-thriller-filler' container combination, depending on the height and form of the other plants used in the container planting. It is even sizeable enough that it can be grown alone in a suitable container. Note that when growing plants in outdoor containers and baskets, they may require more frequent waterings than they would in the yard or garden.


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Rehab Facility in Jacksonville, FL
Addict Rehab Centers rehab facility provides a safe, supportive, and healing environment for individuals struggling with addiction and other substance use disorders. Our team of medical professionals, addiction specialists, and mental health professionals at Addict Rehab Centers work together to create personalized treatment plans that address each patient's unique needs and circumstances. We offer a range of evidence-based therapies and holistic approaches, including medication-assisted treatment, cognitive-behavioral therapy, group therapy, yoga and meditation, and more. The Addict Rehab Centers team supports its patients in achieving sustained recovery and improved quality of life. We promote a culture of hope, empathy, and community, and we are committed to fostering long-term relationships with our patients and their families.
Rehab Facility Center Near Me in Jacksonville, FL
If you are looking for a "rehab facility center near me in Jacksonville, Addict Rehab Centers can help. Addict Rehab Centers facility offers comprehensive substance abuse treatment programs for those struggling with addiction and other related issues. Addict Rehab Centers is conveniently located in the heart of the community, making it easy for patients and their families to access our services. Our team of experienced medical professionals and addiction specialists has a deep understanding of the unique challenges surrounding addiction and are committed to providing individualized, effective treatment plans. At Addict Rehab Centers rehab facility near you in Jacksonville, we prioritize compassionate care and strive to create a safe and supportive environment where our patients can begin to heal and rebuild their lives.
Rehab Facility Programs in Jacksonville, FL
Rehab facility programs at Addict Rehab Centers are designed to assist individuals in battling addiction and its related issues. These programs are tailored to meet the specific needs of individual patients and can vary based on factors such as the severity of addiction, type of substance use disorder, mental health issues, and more. The most common programs are inpatient and outpatient treatment, detoxification, aftercare, dual diagnosis treatment, and relapse prevention. With the guidance of experienced professionals, these programs can help individuals achieve long-term recovery, wellbeing, and create a new and positive life.
Benefits of Drug Rehab Facility in Jacksonville, FL
Drug rehab facilities provide a range of benefits for individuals struggling with addiction. One of the most significant advantages of rehab is a safe and supportive environment that allows individuals to focus on recovery without distractions. Rehab centers offer a structured program of professional support that includes individual therapy, group therapy, medication-assisted treatment, detoxification programs, and aftercare. Rehab facilities also provide resources for developing healthy coping mechanisms and life skills, such as learning how to handle triggers and avoid relapse.
Prevention of Drug Addiction in Jacksonville, FL
Prevention of drug addiction is crucial to avoid its devastating effects on individuals and society. There are several ways to prevent drug addiction, including educating young people about the dangers of drug use, promoting healthy and positive coping mechanisms, providing more access to drug treatment facilities, and addressing the root causes of addiction, such as trauma, mental illness, and social disadvantage. Education is important because young people who understand the risks are less likely to experiment with drugs. Working with healthcare professionals to identify and treat mental health disorders and promote healthy stress management techniques can also help to prevent addiction. Families, schools, employers, and community groups can contribute to the prevention of drug addiction by offering support, education, and resources for those in need. By preventing drug addiction before it starts, individuals and communities can avoid the negative consequences of substance abuse and create healthier and happier futures.
Drug Rehab Treatments in Jacksonville, FL
Drug rehab treatments can vary depending on the individual's needs and the type of addiction. Some drug rehab treatment options include individual and group therapy, medication-assisted treatment, detoxification, and aftercare. The most effective drug rehab treatment plans are those that are tailored to the individual's specific needs, address any underlying mental health issues, and provide ongoing support and resources for long-term recovery.
Best Rehab Facility in Jacksonville, FL
At Addict Rehab Centers we claim to be the best rehab facility in Jacksonville because we provide Addict Rehab Centers offers evidence-based treatments, a comprehensive approach to recovery, experienced and licensed healthcare professionals, and a supportive and compassionate environment. Choosing the right rehab facility can be a life-changing decision, so it is important to do research and carefully consider all options. Drug rehab treatment plans are tailored to the individual's specific needs, address any underlying mental health issues, and provide ongoing support and resources for long-term recovery.
Residential Rehab Facility in Jacksonville, FL
A residential rehab facility is a type of drug and alcohol treatment center where individuals live on-site for a period of time while receiving treatment for their addiction. The Addict Rehab Centers residential rehab facilities provide a structured and supportive environment for individuals to focus on their recovery away from daily stressors and triggers. Residential rehab facilities offer a range of evidence-based therapies, including individual therapy, group therapy, medication-assisted treatment, and holistic therapies such as yoga and meditation. The length of stay at a residential rehab facility varies based on the individual's needs and can range from a few weeks to several months.
Symptoms of Alcohol Addiction in Jacksonville, FL
Alcohol addiction, also known as alcoholism or alcohol use disorder, is a chronic and progressive disease that can have serious consequences for a person's health and wellbeing. Some common symptoms of alcohol addiction include:
Cravings and an inability to stop drinking even when trying to quit
Developing a tolerance to alcohol, meaning the need to drink more to achieve desired effects
Withdrawal symptoms when not drinking, such as shaking, sweating, and nausea
Drinking despite negative consequences, such as health problems, problems with relationships, or legal issues
Spending an excessive amount of time drinking or recovering from the effects of alcohol
Neglecting responsibilities at home, work, or school due to drinking
Continuing to drink, even when recognizing it is causing physical or mental health problems.
Alcohol Rehab Facility Jacksonville, FL
An alcohol rehab facility in Jacksonville provides a range of services to help individuals recover from alcohol addiction, including medical detoxification, therapy, medication-assisted treatment, and holistic therapies. The goal of an alcohol rehab facility at Addict Rehab Centers is to support individuals in achieving and maintaining sobriety, while also addressing the underlying causes of their addiction. The length of stay and type of treatment program varies depending on each person's unique circumstances. The ultimate goal is to help individuals achieve sustainable recovery and prevent relapse.
Alcohol Rehab Cost in Jacksonville, FL
The cost of alcohol rehab varies depending on the type of facility, length of treatment, and level of care needed. Private luxury facilities tend to be more expensive, while public or government-funded facilities may provide lower-cost or free services to those in need. In general, the cost of alcohol rehab can range from a few thousand dollars to tens of thousands of dollars per month. The good news is that many insurance plans cover some or all of the cost of alcohol rehab, and financial assistance may be available for those who cannot afford treatment.
24-Hour Rehab Facility Care in Jacksonville, FL
Addict Rehab Centers provides round-the-clock care and supervision for patients undergoing addiction treatment. Addict Rehab Centers facility is staffed by medical professionals and trained staff who monitor patients' progress and provide support and guidance throughout the treatment process. Patients can receive intensive therapy sessions and medical care options that may include medication-assisted treatment, individual therapy, group therapy, and holistic therapies. The goal of Addict Rehab Centers 24-hour rehab facility care is to provide a safe and supportive environment for patients to recover from addiction and develop long-term strategies for maintaining sobriety in their daily lives.
Frequently Asked Questions About Rehab Facility
Rehab facility in Jacksonville offers a variety of services, including physical therapy, occupational therapy, and speech therapy.
The average length of stay for patients in our Jacksonville rehab facility is three to four weeks.
Yes, our rehab facility offers outpatient services in Jacksonville.
Yes, we accept insurance at our Jacksonville rehab facility.
The qualifications of the staff at our rehab facility vary depending on their position. However, all of our staff in Jacksonville are highly trained and experienced in rehabilitating patients.


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Hell No! I Won't Go! - Avoiding Death March Projects
- What Exactly Are Death-March Projects?
- So Why Should We Avoid Death-March Projects?
- Death-March Projects Are a Sign of Poor Management
- Don't Get Me Wrong; Long Hours Are Okay
- Hell, No, I Won't Go!
Ed Yourdon's book Death March: The Complete Software Developer's Guide to Surviving "Mission Impossible" Projects (Yourdon Press, 1999, ISBN 0-13-014659-5) states that the world would be a healthier place if more of us stood up to say, "Hell, no, I won't join this death march!" Unfortunately, he then spoils it all by stating "...death-march projects are the norm, not the exception." (See related article.)
Well, I beg to differ. Death-march software projects are not the norm. It is possible to run projects with sensible schedules that don't threaten to burn out the entire team. We don't have to deliver buggy software because we're too tired even to think.
What Exactly Are Death-March Projects?
The really crazy thing about death-march projects is that, as Tom DeMarco pointed out in his speech at OOPSLA in Tampa Bay (Oct., 2001), these death-march projects are characteristically insignificant. Yes, they're dramatically hyped by the organization, but their success or failure doesn't really matter. If the project really did matter, the organization would invest sufficient time and resources to make sure that it had a much better chance of succeeding.
Think about it. Really important projects that are valued by the organization get staffed, planned, and managed properly. The organization makes sure that the delivery dates are realistic given the desired functionality.
Insignificant projects, on the other hand, have to make great promises about what they can deliver at minimal costjust to get funded. Sure, if you can pull it off, you get to look like a hero. Even if you don't pull it off, you can still claim that it was successful because of how much you managed to accomplish.


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Handcrafted using techniques pioneered by our founder Jacob de Ruiter, this satchel is cut from full-grain black leather.
Weeks spent interacting with natural barks in wooden drums is how it matures to an exceptionally durable hide.
The surface is unaltered, showing authentic grain variations and occasional light scars or striations.
The back and front flap are masterfully made of a single piece of hide to minimize weak points.
We use heavy gauge nylon thread for long term durability and heavy-duty push locks hidden behind the pair of adjustable buckles.
It features an unlined capacious dual-compartment interior and asymmetric front pockets to organise your essentials.
Store confidential documents in the divider zippered pocket.
Attach the leather shoulder strap to lighten the load on your daily commute.
The Scholar satchel embodies Ruitertassen's timeless character.
You can personalise your leather satchel with your name, personal motto or a logo to make it completely unique.
♥ The Scholar Satchel is part of the HERITAGE collection.


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訂閱我們的定期快訊,收取來自Chico Hobby的最新消息!
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This weekend we saw two movies- World War Z (omg. Brad Pitt for life!) & The Fast & the Furious 6. I have been anticipating WWZ for a while now and it didn't disappoint- I really liked it. I didn't read the book first like I wanted but I've heard they are very different so I think I'll still keep it on my list. Cardy & I have a thing for the Fast & Furious movies. We love them! They're so cheesy & ridiculous but entertaining as hell! We went to a late night showing and ended up having the entire theater to ourselves. I never had that happen before. I kept whispering to Cardy and then I would realize I didn't need to be quite but it felt really weird talking out loud in a dark theater.
We also hit up the downtown farmer's market on Saturday and came home with some delicious cherries. We love walking through the market on Saturday mornings. It's one of our favorite things to do in the summer. The rest of our Saturday was spent running errands, napping, and planting some veggie plants Cardy had picked up. It was lovely.
On Sunday, Caroline & I headed up to Park City to check out the Park Silly Market. This was my first time and I didn't know what to expect. It was almost like a local mini Arts Festival. Lots of great vendors, music, food booths and a beer garden. Caroline & I were excited when we spotted a Bloody Mary bar so, of course, we had to stop for one. This was one of the raddest bars I had ever seen & I hope to duplicate it (on a smaller scale) for future parties. We had our choice of three Bloody Mary mixes and then an entire set up of garnishes. In the end our drinks looked more like a salad than a cocktail! It was awesome!
Afterwards, we walked up & down Main Street checking out the shops and running into another small farmer's market. I'll definitely be making the drive to Park City several more times this summer.
The only thing I didn't get to do this weekend was get Zoe out of the house. I do feel really bad that the hot weather has kept her in doors a lot lately. With temperatures over 100 degrees, it's just way too hot to do anything with her. The evenings are even unpleasantly hot but that's when we take her on some walks so the sidewalk doesn't burn her little paws. I can tell she is so bored being indoors. I'm off for a long four day weekend this week so I'm going to make it a point to get up early in the morning on Friday and take her on a nice hike. She'll love it!
{cutest girl ever!}


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I bet you thought it was going to happen. I bet you thought I was going to let it happen. Yeah, right!
Go an entire month without posting a single…well…post? That's how shaky things have been. They can sake, as long as they don't topple.
It almost happened, but just like paying taxes on the final day, which happens to be tomorrow and I'll tell you about that later, I am down to the wire, but in time. But in time. But in time.
Oh, I haven't forgotten.
Now, this was what I was going to say. Yet again, in the 20th Century,Spainwould shake the very foundations of the scientific and technological world with and bequeath to modern society an invention so profound that its effects are still being felt by me today. Literally.
It's the Chupa Chups, the Spanish version of the lollipop, and I just happened to have one in my mouth as we speak. That's how recent its reverberations can be felt. It's a cherry-flavored one and it's been pretty good for the first thirty seconds, but now I am getting a little tired of it and wish do away with it elegantly like tossing it over the balcony.
I even took a picture of it seconds before its execution. Its death. I placed it on a nice bare background for minimalist effect and artistic simplicity representing the futility of life as a sucker.
The Chupa Chups is almost round like a globe, though it has a thicker band protruding around its equator. You'll have to excuse the imagery. This product makes up the second tine of the great trident of Spanish inventions that I have heard about so many times throughout my life here. The others are the modern submarine and the mop and bucket, if you haven't been following this fascinating series.
When I first heard this bit of trivia, I expressed my admiration out of kindness and politeness, because it was quaint, and because anyone who openly claims with pride that their country boldly ventured where no candy maker had before, or so they say, certainly garners my praise.
I say that's sweet, no pun intended, and move on. Then after hearing it for the tenth time, I begin to wonder just what kind of information is meted out in those social studies classes, because it's nice to know that the Chupa Chups has its origins in the Iberian Peninsula, it's another thing that it should earn such an honored spot in the kingdom of technological advancement. It's a fine contribution to society, especially for those in the dental service sector, but no more so than thousands of others. Robert Kearn ofDetroit,Michigan, invented the intermittent windshield wiper back in1963, aprodigious creation from a driver's point-of-view, and yet most Americans do not know this, just like they are about the vast majority of human ingenuity.
But there you have it, a world where even the simplest things can share the limelight.
As to be expected, the ubiquitous lollipop did not see earthly light for the first time in Iberian lands. And, as to be expected, it is nearly impossible to determine just where it did.
The modern version of the lollipop has been attributed to a man named George Smith, who owned a candy company inNew Haven,Connecticut, my homestate. That really is a blow to the Spanish. By the way, New Haven also is said to be the birthplace of the hamburger, not dreamed up by some kooky-looking clown, so it should be noted that this otherwise discreet coastal city on the East Coast of the United States noted otherwise for its fine university, Yale, has also been one of the most fertile creators of modern pop gastronomy.
Chances are, though, the lollipop had been invented decades, if not centuries, before as its concept, eating without getting your hands all dirty, is hardly a novel one. Haven't you ever seen those Middle Ages movies with the Vikings plunging their swords into chunks of the roasted meat the size of footballs?
It was apparently this issue that prompted our Spanish hero, Enric Bernat, to come up with a similar answer to the age-old issue of what to do about the children tackling with sticky food. He had witnessed a mother scolding her child for getting his hands all messy after a bout with some sweets. For the most part, this has always been a debatable motive for telling your kid off, because most candy is simply not designed with a kid's mind in mind. They kind of assume the little one will handle the goodie responsibly, which is really asking a lot of any tot. So, the kid is given free reign to behave under the toughest of circumstances and gets told off to boot.
To resolve this problem. Bernant devised a candy which kept the child's hands away from the cause of all the stress. Then he took his newfangled treat to stores all over the country requesting that it be placed on the counter right next to the register and, yes, within reach of a child. This was a major breakthrough in marketing.
The campaign paid off, and Bernant's idea quickly became a hit and sales rocketed. One source says that the annual production is about 12 million per year, which comes in at about 33,000 lollipops a day. You would think that it would cover costs, but apparently not. The company closed down a big plant inAsturiasin 2011 and there is only one left in the country. These things out to be protected by the national heritage board.


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You break into the mansion at night.
It's huge and built like a maze.
You're trying to escape, but the monster is after you!
The chase begins.
Escape ghosts and endure evil jumpscare in this free yet terrifying survival horror game.
Discover heart-thumping terror, chase and scary creatures in this free atmospheric horror game. But no matter what, never play alone in the dark.
As you explore decaying rooms in search of riches, an eerie wail shudders through the dead air and fills your heart with horror. And the chase begins.
Lights flicker, books rattle on their shelves and the scary TV bursts into static.
Seven reasons to download Eyes – The Horror Game right now:
→ Multiple scary monsters and beasts to choose from – or create your own demon with custom visuals and audio
→ Multiple levels to unlock: an old haunted house, an abandoned hospital, and a desolated school. More added all the time!
→ Multiple gameplay modes to endure
→ Use mystical Eye runes to see through the monster's twisted vision and try to survive its grudge
→ Consult a hand-drawn map to plan your next move
→ Compete with fellow adventurers on the global leaderboards or play offline
→ The perfect horor & thriller game: tense gameplay, a scary beast, sudden jumpscare, and a chilling atmosphere
Will you escape the mansion? Download Eyes – The Horror Game today for free!


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Oxford University Press
Masters/PhD Degrees
Deadline: 6 Jan/20 Jan 2023 (annual)
Study in: UK
Course starts October 2023
Brief description:
The Clarendon Fund is a major graduate scholarship scheme at the University of Oxford, offering around 140 new scholarships every year. Clarendon Scholarships are awarded on the basis of academic excellence and potential across all degree-bearing subjects at graduate level at the University of Oxford.
Host Institution(s):
University of Oxford in United Kingdom
Level/Field(s) of study:
All degree-bearing courses at graduate level in any subject are eligible. This encompasses all full-time and part-time master's and all DPhil courses. A list of all the graduate courses offered by the University of Oxford can be found on the Courses page.
Postgraduate Certificate or Diploma courses are not eligible for this scholarship.
Number of Awards:
Approximately 140 scholarships are offered every year.
Target group:
All applicants from any country
Scholarship value/inclusions/duration:
All Clarendon Scholarships cover tuition and college fees in full.
Scholars on a full-time course receive a generous annual grant for living costs – which will be at least £15,609 for 2021-22. Scholars on a part-time course will receive a study support grant, to assist with non-fee costs. Scholars on a part-time course will receive a study support grant, to assist with non-fee costs.
The scholarships are normally offered for the full period for which you are liable to pay tuition fees to the University, which is usually the same as the length of your course.
Eligibility/Selection Criteria:
Clarendon Scholarships are awarded on the basis of outstanding academic merit and potential to graduate students from all around the world. Scholarships are tenable in all subject areas and are open to candidates who apply for a new master's or DPhil course by the January admissions deadline.
Application instructions:
If you apply for a full- or part-time master's or DPhil course at Oxford by the December or January deadline for your course, you will automatically be considered for a Clarendon Scholarship. You do not need to submit any additional documents specifically for the Clarendon Scholarships – there is no separate scholarship application form. You do, however, need to apply before the December or January deadline (6 or 20 January 2023) for your course if you wish to be considered for the scholarship.
It is important to visit the official website (link found below) for detailed information on how to apply for this scholarship.
Official Scholarship Website: https://www.ox.ac.uk/clarendon


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Croatia Hand Picked Specials
Below is a list of some very special holidays we have put together. They are not only special because some of them include a discount to the tune of 40%, but also because they contain some of the Croatia Tours current favourites, hand picked and put together with love !!


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Eating Fish Can Reduce the Risk of Diabetes, Study Suggests
ScienceDaily — A study analyses the dietary patterns of the adult Spanish population with high cardiovascular risk. The results reveal a high consumption of both red meat and fish. However, whilst eating lots of cured meats is associated with greater weight gain and a higher obesity rate, the consumption of fish is linked to lower glucose concentrations and a smaller risk of developing diabetes.
Mercedes Sotos Prieto, lead author of the study which forms part of the Predimed study (Prevention with a Mediterranean Diet) and researcher at the University of Valencia explains how "in Mediterranean countries, consumption of foods that typically form part of the diet here has decreased in recent decades. The consumption of saturated fats mainly from red meats and industrial baking has increased and this is really worrying."
Conducted in the Valencian Community on 945 people (340 men and 605 women) between 55 and 80 years of age and with a high cardiovascular risk, the aim of the study was to understand dietary patterns in terms of meat and fish consumption. It also sought to understand the correlation between the Mediterranean diet and its association with cardiovascular risk factors.
The results were published in the Nutrición Hospitalaria journal and show that the studied Mediterranean population eat a large amount of red meat and fish. However, the consumption of fish is associated with a decreased prevalence of diabetes and lower glucose concentrations whereas the consumption of red meat, especially cured meats is related to increased weight gain and obesity.
The researcher points out that "the red meat consumption of the sample population reaches an average of once a day, which is high in comparison to dietary recommendations. This could be influenced by many weight-loss diets which recommend eating grilled veal."
Eating red meat in excess is linked to higher cardiovascular risk, higher blood pressure, diabetes and a moderate decrease in life expectancy mainly due to cancer or heart disease. In contrast, fish appears in the Mediterranean diet and has health benefits for the heart.
Despite being a cross-sectional study that does not determine a causal effect, its authors confirm that there are many similar studies where the consumption of fish, both white and, even more so oily fish, is associated with a lower risk of developing diabetes type 2.
"Various hypotheses have been put forward that attempt to explain why the consumption of fish can be related to diabetes," they explain. "The increase of omega-3 in the cells of the skeletal muscles improves insulin sensitivity."
"It is important to understand the dietary patterns of the Spanish population in order to learn whether dietary habits are changing. We should therefore strengthen dietary education," outlines Mercedes Sotos Prieto, who goes on to say that "we ought to establish dietary intervention programmes so that we do not stray from the Mediterranean diet. In other words, such a diet involves decreasing the amount of red meat that we eat and maintaining equal levels of fish consumption."
Gender Differences
The high intake of saturated fats from red and cured meat consumption (7.4 +/- 4.7 times a week) was more frequent in men. Women proved to eat more white meat, especially chicken and turkey.
As for fish consumption (4.5 +/- 2.6 times a week), no significant differences were found between men and women. In general, women scored higher for "healthy dietary patterns" or "healthy diets" compared to men.
Story Source:
The above story is reprinted from materials provided by Plataforma SINC, via AlphaGalileo.
Note: Materials may be edited for content and length. For further information, please contact the source cited above.


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Oz through the Comics, Comics through Oz
At the end of Oz and Ends's first COMICS WEEK, I'm circling back to Oz. It might be possible to track every major thread of American popular culture through versions of Oz. Within a decade after L. Frank Baum and W. W. Denslow published The Wonderful Wizard of Oz in 1900, it had already inspired a blockbuster Broadway show, movies, records, and--what else?--comics. In fact, looking at the earliest Oz comics offers a window onto how that medium developed.
The first entry was the Queer Visitors from the Marvelous Land of Oz comics page, written by Baum and illustrated by Walt McDougall, an established newspaper cartoonist (more samples here and here). That comic was created to publicize The Marvelous Land of Oz (1904), and built around that book's grotesque characters: the Scarecrow, Tin Woodman, Jack Pumpkinhead, Sawhorse, Gump, and Woggle-bug. But those gentlemen and animals weren't in Oz. No, they were traveling around America, learning our strange ways.
To fill a page in each Sunday's paper, Baum wrote a short story and McDougall illustrated the tale with a series of panels packed with characters and speech balloons--some echoing the dialogue in Baum's prose, some new. Each episode ended with the thoroughly educated Woggle-bug about to answer some mystery the tale had brought up. In an interactive feature, readers were invited to mail their local papers the answer to the weekly question, "What did the Woggle-bug say?" Queer Visitors was therefore not quite a comic, and its stories were not quite stories. It lasted not quite half a year.
[ADDENDUM: Some panels from Queer Visitors reproduced in color can be found by scrolling down in this page from the BCF archive of Oz book discussions.]
Shortly afterward, Baum's erstwhile collaborator W. W. Denslow, who shared the copyright in The Wonderful Wizard of Oz, spun its most popular characters into his own comics page, Denslow's Scarecrow and Tin-Man. He, too, brought the Scarecrow and Tin Woodman, as well as the Cowardly Lion (whom Baum was neglecting), to America for rollicking adventures. They even meet Dorothy again, though (as shown above) she's much more frilly than before. Denslow's bold, rounded style matches modern tastes in cartooning better than MacDougall's, but his storytelling tended toward the "let's crash vehicles together" style. He also told his story through long captions, not speech balloons. Denslow's comic page lasted twelve installments.
By the time of the next Oz newspaper comic, in 1932-33, the medium had settled into the form we know best today: a short strip of black and white installments in each daily paper. Walt Spouse's The Wonderland of Oz adapted five of Baum's titles into this style. He followed the original stories closely, and based many of his pictures on John R. Neill's illustrations for the books. Spouse's comics still had no word balloons; instead, long prose captions beneath each panel told the stories. Among today's popular newspaper comics only Prince Valiant seems to follow that style. When some Wonderland strips were reprinted in a comic book called The Funnies in 1938-40, they were retrofitted with balloons.
In the last few years Hungry Tiger Press (also publisher of the John Dough and the Cherub pictured at right) has repackaged all three of these Oz comics in book form. Each book's format differs from the original publications, and from the other two, reflecting the strengths of the three sources and modern tastes.
Hungry Tiger Press has turned Queer Visitors into The Visitors from Oz, basically a volume of Baum short stories without McDougall's artwork. Instead, the book has art by the young Eric Shanower, before he received two Eisner Awards (and before his hair turned white).
Denslow's newspaper pages have been reformatted to make a picture storybook, The Scarecrow and the Tin-Man of Oz. That reprints all of Denslow's art, though only in black and white.
Finally, Shanower wrote a new script for Spouse's strips, using short speech balloons and short captions--thus turning those cartoons into more like what we expect from all comics today. Hungry Tiger Press has issued three volumes in the Wonderland of Oz series.
And Oz continues to be adapted into the latest trends in comics. In 2005 David Lee Ingersoll produced this thorough listing of Oz comics from the previous fifty years. And this month over at the Wonderful Blog of Oz, Eric and Tegan have shared news that The Land of Oz will soon be adapted in manga style.


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April Cardio Call
April Cardio Call
On Wednesday, April 9, Mr. LaMar Wiscombe, expert in l-arginine research and programs, will join us as the featured speaker for this month's Cardio Call!
Cardio Call with LaMar Wiscombe,
Director of Global Product Programs
When: Wednesday, April 9, 2014.
Time: 7:00 PM Mountain Time
To Join the Call, Dial:
Phone: 1-800-832-4695
Pin: 8908#
Remember, these Cardio Calls take place on the second Wednesday of every month. Mark your calendars and don't miss this opportunity for you, your team, and your guests to learn how the science behind the ProArgi-9+ formula makes it the superior L-arginine supplement on the market today.
About LaMar Wiscombe
With over 30 years experience in the natural health industry, LaMar brings a wealth of knowledge about nutritional supplements and the uses of medicinal plants and herbal products. LaMar, a Master Herbalist and massage therapist, has taught courses throughout the US, Canada, New Zealand, Australia and the UK on the use of quality supplements to increase your physical and mental health.
As a presenter, LaMar has conducted hundreds of seminars, been a featured radio personality and is the author of Mastering Modern Herbal Medicine: A Guide to Medicinal Plants and Plant Compounds. LaMar's ability to explain and simplify natural products, coupled with enthusiasm and a caring attitude, has helped many throughout the world understand and use complimentary health products more effectively.
LaMar is the Director of Global Product Programs at Synergy headquarters in the US. His responsibilities include extensive research on the many ingredients and formulas that Synergy WorldWide prides itself on.